vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/2019, I sent a money transfer to my mom in XXXX via Western Union. I sent a total of {$150.00} ( US Dollars ) to be received in US Dollars. My mom went to pick up the money at 4 different Western Union locations and none of them wanted to give her the money in US Dollars, they all wanted to give her Soles ( XXXX 's currency ), supposedly because they didn't have any dollars available. My mom gave up and accepted the Soles only to find out that they gave her an exchange rate of 3.10 but the local exchange rate is currently 3.32, so she received a total of XXXX soles instead of XXXX soles. This is a difference of XXXXsoles, which is about {$10.00} ( US Dollars ). When I received the notification that the money was picked up, it said they received {$150.00} ( US Dollars ) which is a lie since they received Soles not Dollars. Now, {$10.00} to me is not much, but it is a lot of money in XXXX and this was a Christmas gift that the agent in XXXX stole from my family. Also, I paid {$11.00} towards fees for this transfer, so in reality, I paid {$21.00} in total fees after this whole mess. I put a complaint with Western Union and after over a week of " investigation '', they called me to say the agent showed proof they gave {$150.00} ( US Dollars ). Unfortunately my mom lost the receipt so I have no way of proving they are lying but I still wanted to put the complaint because this is just so unethical. My family and I have been using Western Union for many years and this is the first time we ever put a complaint against one of their agents, and it was very disappointing that they will not do anything for a loyal customer and let these agents get away with this kinds of acts that are giving them a bad reputation. My family and I will not be using Western Union again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: WA

Complaint narrative:
I phoned the company and told them the account was paid in full and that they were still reporting that I owed XXXX $ on my credit. I asked them to update their information to reflect account paid in full over 2 years ago and also sent two emails about the situation to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI

Complaint narrative:
My mortgage from XXXX XXXX was " sold '' to this debt collector. I had received a bunch of harassing calls and letters for payment even though I was set up for EFT. I made a payment over the phone with a representative and paid exactly what was asked. I received a letter saying I shorted by XXXX cents and now they are forcing me to set up an escrow account. They are not abiding by the original terms of the loan either ; they are forcing me to obtain condo insurance when my master plans covers this. When I call the agents are rude or sound drunk and high. They are a predatory lending company and trying to take my property away from me as they are ruthless. This company is not accredited by better business bureau. They should be shuttered once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX never late XXXX   XXXX inaccurate/not mine XXXX  XXXX XXXX XXXX never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX inaccurate/not mine XXXX XXXX XXXX XXXX never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Since XXXX of this year, I've been sending update letters to Equifax, XXXX, and XXXX to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 


XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I called my credit card company to inquire about why my cash advance balance has grown while I have been paying off interest plus principle religiously for the past few years. What they said they are doing is, at the end of my statement period, they are assessing interest. Then, they set a minimum payment with a little bit of premium. They take my payment and apply the little bit of principle to the higher interest rate. Then, they take the remaining amount paid and instead of applying it to interest, they apply it to the lower balance and, at the same time, add that amount to the cash advance balance. 

The result is that the cash advance balance accrues and will continue to do so, eventually resulting in the entire balance being assess the often much higher interest rate. 

After speaking to multiple representatives at my bank, consulting with the consumer credit card act and reading my credit card agreement, this process continues to be very confusing. In one conversation this afternoon, at approximate XXXX XXXX EST, I spoke with a representative at Capital One who assured me that my cash advance balance was " not '' growing. Then, after some additional discussion, she pulled up the amount of the original cash advance, {$320.00}. 

Despite making payments over the past 3 years since that small cash advance in XXXX, my cash advance balance - or in other words the amount being charged the higher interest rate - is now {$1400.00} and is seeing a higher interest rate of 22.9 %. 

The small amount of principle is offset by the increase in the cash advance balance. 

I am certain the consumer protection laws was written with the intent that payments would be applied to the " higher '' interest rate balances first but it seems the credit card companies have created a work around that is actually resulting in a situation that is worse for the consumer. I am not sure if this is worse than when the law went into affect but this is probably not the result the drafters of the law intended. 

I feel additional legislation needs to be enacted that would require credit card companies to apply the amount paid to the interest and higher rate principle, not surreptitiously add the amount on to the cash advance balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I called XXXX XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX cst. informed them of my dispute in regards to a credit card balance that was owed to Amex, informed them more than 20k is unauthorized charges. They refused to put in my complaint saying the submitted one back in 2014. I spoke with XXXX at extension XXXX, I asked him for the lowest settlement by company policy, he lied and told me about 27k when XXXX was possibly the lowest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is not showing the terms of my Mortgage loan with XXXX  XXXX  XXXX which is a 30 year loan.Also the current payment status states ( no info ) for XXXX, XXXX and XXXX of 2019 : However, Transunion states that the last payment to XXXX  was XX/XX/2019 2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Upon receiving a promo with ID # XXXX from US Bank to refinance. I was denied based on some senseless technicality. I have renters in the unit that make payments. The payments would have been lower and should have been approved. They claim it was some federal regulations that prevented the approval. 

I have received numerous promos from various banks and financial institutions. All inform me of this nonsense. I consider it to be harassment to make offers ; waste my time ; and build up hope just to be denied. They will not stop sending this so called opportunities ( offers of deception ). 

Stop them from contacting me or follow through with their offers. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Since XXXX of this year, I've been sending update letters to XXXX, Experian, and XXXX   to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 


XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX   XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX  XXXX   XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was no reasonable investigation conducted. The credit reporting bureaus did not notify me of the investigation results via us mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My payments are done with the auto payment service provided by MyLoanCare and on XXXX of 2019 the company reversed payments for some months. The payments where made on time and I call the customer service department I'm kept on hold a long time. The person helps me fix the issue and they tell me its good, then I call in a few days later to confirm and the person says again that the problem is still there. 

I maid double payments to avoid getting my credit score damaged but they still keep sending bad information to the credit reporting agencies. 

I have all proofs of payment and I had my accountant review the account and we have a file with all the payments. The second problem is the balance showing on their statement does not match my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX never late XXXX  XXXX  XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CA

Complaint narrative:
On XX/XX/XXXX i got a loan from lending club in the amount of XXXX loan # XXXX. loan term was for 36 months, interest rate of 17.47 %. I paid on this loan for a year making payments of XXXX. On XX/XX/XXXX i decided to try and pay off the loan early, at that time the balance was {$5500.00}. I decided to send in a large payment of {$3200.00}. When i sent Lending Club {$3200.00} the loan was overpaid and therefore scheduled to be paid off early. NO payments should have been due until XX/XX/XXXX. The problem is that Lending Club kept on trying to withdraw via electronically the monthly payment of XXXX from my bank account monthly anyways. The Original loan documents stated that There would be no penalty for paying loan off early and then refinancing that loan. etc. ( confusing advertising, credit denied, Problem with the payoff process at the end of the loan, or refinancing loan ) -- Telephone agents told me that once i got my loan balance down to XXXX i would be allowed to reloan. XX/XX/XXXX of XXXX I made a {$3200.00} which reduced the loan balance from XXXX to XXXX, XXXX. After i made the payment agent told me to go online to reapply but each time i applied the loan was denied and this happened twice. ( XXXX ) .. XX/XX/XXXX Lending club contacted me to sit up payments for the remaining XXXX. They offered to restructure the loan if i agreed to pay XXXX mo. for 18 months, they said that even though the loan would be paid in full at the end of the 18 mo lending club would not remove the charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I was in a car accident XX/XX/2016 and I have been fighting the other person 's insurance for over 3 years. I finally got everything settled with my lawyer 's help.My lawyer settled with the hospital for {$500.00} and the check was cashed. A binding agreement was also attached stating that I should no longer be contacted for the balance once the check was cashed and also per NC Debt Collections laws state that I can not be billed after 3 years because of statue of limitations. The amount of {$1700.00} has been placed on my credit and I want to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XX/XX/2019 Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TN. XXXX XXXX : The Home Depot Account Ending in XXXX To Whom May Concern : The reason for filing this complaint with your agency is due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refusing to set up a payment arrangement on my Home Depot account ending in XXXX. 



Most importantly ; the customer service representative that I spoke with told me the account needs to go into default before they would consider any workout plan. I firmly believe, this plan is irresponsible for XXXX XXXX XXXX XXXX XXXX to offer that a customer account be reported delinquent instead of working out a payment plan. I am extremely disappointed in the way your company policy continually handles business. Not to mention the fact ; I even offered to pay {$120.00} a month payment plan and they referred me to an outside agency. 




Furthermore, I am requesting to have this complaint investigated thoroughly. I would like to thank you in advance for your prompt response and assistance in this urgent matter. 



Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
This debt was previously removed because it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: IL

Complaint narrative:
I took out a loan with Personify Financial XXXX, 2017 in the amount of {$3900.00} not realizing the interest rate was 98.22 %. the pay back would be {$12000.00}. I was in desperate need of a loan. I feel I was taken advantage of. Personify Financial is nothing short loan sharks. I thought there were laws against this and consumer protection against loan companies charging such ridiculously high fees. I paid them approximately {$7000.00} then started to realize the balance was not going down. I tried to contact the company to see if this could be looked at but nothing was done. I contact the better business bureau and logged a complaint. I would have even been willing to settle at a lower and fair amount taking into consideration what I had paid already. Paying back {$12000.00} on a {$3900.00} loan is terrible business practice. The Dodd-Frank Wall Street Reform act states the lenders must engage in fair lending practices. I feel that this company is not engaging in fair business practices and they are taking advantage of consumers. I would like my case investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
Hello! Thank you for your help. I recently received notice in XX/XX/XXXX that I have an account with XXXX XXXX  XXXX. They work with another company called RSEIH ( Rausch Sturm ). I received notice that I am going to be sued by RSEIH on behalf of XXXX XXXX XXXX. This doesnt seem right as I have no clue who owns the debt. I am extremely dissatisfied as I was not notified of this debt by XXXX XXXX XXXX or the above mentioned company that is contacting me for payment. This debt is old and is beyond the statute of limitations. In addition, the debt is less than {$900.00}. I did some research and I believe that this company is acquiring old debts and then reselling them and then trying to sue people to pay. This is not right and seems very predatory. I have even contacted the original creditor as of XX/XX/XXXX and they have no record of this supposed debt. In addition XXXX XXXX XXXX  did not provide any type of proof of ownership or any type of proof that they this debt is even valid.

Company response to consumer: Closed with explanation