vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I purchased a Western Union Money Order for {$490.00} and deposited it at XXXX XXXX XXXX. A couple days later on the XX/XX/XXXX, I received an email from XXXX XXXX saying, " Refer to Maker ''. So a week or so after I received this email, I sent Western Union everything including the receipt of the money order, along with the 'Refer to Maker ' letter so that I would not incur a fee as stated by the Western Union rep. Months and months go by as I can eagerly awaiting the arrival of my letter from western union so that I can take it to XXXX XXXX. No letter for two months!! Finally after non-stop calling day after day, they finally act useful and send it via email. I take this pdf letter to show a XXXX XXXX banker and they say, " there is nothing we can do ''. So now I'm back on the phone with Western Union and they say, " oh we'll send a source of receipt ( SOR ) so that XXXX XXXX has to give you the money back ''. I take the SOR letter to XXXX XXXX and AGAIN same line .... " sorry we can't do anything.. Western Union has the money. Take it up with them ''. For the past 3 months Western Union have been very unresponsive and unhelpful!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX  XXXX {$0.00} XXXX   XXXX {$850.00} XXXX  XXXX {$800.00} XXXX   XXXX {$460.00} XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The lender says that the borrower ( me ) can apply for a payment workout program to help recover from missed payments due to unemployment. The lender will tell the borrower what is the minimum payment required but when the borrower submits their request the lender denies the request with for the following reason : " Payment to income ratio exceeds hardship program thresholds ''. The lender will not disclose what the threshold is that must be met. I have made 3 attempts to sign up for the program, each time offering the requested minimum payment, and calculating my income based on three different models. Each time I am denied with the same denial statement but they refuse to tell me what the threshold is that I need to meet. 

All I want from the company is to make the minimum payment during my unemployment with a promise from me that I will return to normal payments when my income is restored. I have made 6 different attempts to accomplish this but each time the representative said that no one can tell me what the threshold is and no human can give an approval - only the computer program can grant an approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Potentially Negative show tooltip button XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXXXXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX   XXXX XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dischargedDispute all ftc violations

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Potentially Negative show XXXX  button XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute NXXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX  XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX  bankruptcy dischargedDispute all ftc violations

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 2020-06-23 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: IA

Complaint narrative:
On XX/XX/2020, I disputed information on my Experian consumer report with respect to incorrect information about my accounts ( attached ). Experian acknowledged receipt of my dispute by initiating a dispute of XXXX XXXX XXXX ( results dated XX/XX/2020 XXXX and declining to investigate XXXX XXXX XXXX in a letter dated XX/XX/2020. However, I have not been notified of Experian 's actions with respect to my other two disputes contained in the same XX/XX/2020 letter on page 2 ( XXXX XXXX  and XXXX XXXX XXXX. I attached relevant information of my disputes with XXXX XXXX  and XXXX XXXX including court 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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following  particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: LA

Complaint narrative:
lexis nexus report public records not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On multiple occasions, Nordstrom ( TD Bank NA ) only notifies me of a missed payment on the next month 's billing statement. Most recently, for the XX/XX/XXXX payment due date, Nordstrom emailed an electronic billing statement prior to the due date in lieu of a paper billing statement ( per my opt-in/request ) ; however, as the due date approached there were no reminder notifications nor any indication that I had missed the payment date until I received the XXXX billing statement on XX/XX/23. 

Furthermore, I was advised by the customer service rep on XX/XX/23 that because I have opted-in to receive electronic billing statements, it was not possible to set up alerts on my account. 

This practice of not informing customers of an approaching due date, or of a recently missed payment seems unfair and deceptive as it is a way for the institution to collect late fees customers. This practice is also not consistent with similar accounts that I have with other card issuers/financial institutions where I received multiple alerts, reminders, etc. to aid in effectively managing the account. 

This practice causes material harm to me as a customer in the form of late fees ( {$37.00} ) at a time when my household income as already been significantly reduced by COVID-19, as well as harm in the form of negative consumer reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant USDEPTED XXXX {$10000.00} XXXX XXXX {$13000.00}

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant USDEPTED XXXX {$10000.00} XXXX XXXX {$13000.00}

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX  XXXX {$850.00} XXXX XXXX {$800.00} XXXX  XXXX {$460.00} XXXX XXXX {$720.00}

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$850.00} XXXX XXXX {$800.00} XXXX XXXX {$460.00} XXXX XXXX {$720.00}

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant USDEPTED XXXX {$10000.00} XXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX someone used my XXXX and debit card to transfer money on XXXX 3 times for {$490.00}, I did not authorize this individual to make those transfers and I immediately notified CapitalOne in regards to these transactions. Capital One also paid several of my bills on a XXXX  balance which I had requested them not to pay as I paid from my new bank account causing me to pay an extra {$630.00}. I also was told by one of their employees to open new bank accounts which I did but the bank immediately closed them as they stated they no longer want my business. I was employed by Capital One for 30 plus years and was extremely disappointed with their service or lack thereof. I must have spoken to at least a dozen employees and received incorrect information each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX contacted Santander Consumer USA on my credit report reading ( 30 days late ) vehicle has been paid off since XX/XX/2014. And that in the system it's showing a lien or something on the vehicle because I can't get the titles to the vehicle. I'm in the process of trying to buy a new house and this is holding up my process of what needs to be taken care of. I need to resolved the problem

Company response to consumer: Closed with explanation