vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Western Union has promoted and has made known through their website that money I will be sending will be available in minutes. They are somehow delaying the transfer, when my family overseas need it the most. I have transferred an amount of less than 100USD. I talked to their Customer Service and they tell me to wait for the whole day for the transfer to complete without even giving any reason as to why whatsoever. I chose the service because of their promise of swift transfer in minutes, yet they did not comply with their own terms. I would understand if they gave me a understandable reason for the delay, yet there was nothing coming from them, they just wanted us to wait. I wouldn't have chosen the service if that were the case. They even suggested that the receiver to travel to a nearest local agent location to receive the transfer, which would make the receiver spend unnecessary and significant amount of money, effort and most importantly time, which we are short of. 

Transfer Tracking # ( XXXX  ) : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is in reference to complaint XXXX on XXXX XXXX Experian said that it has deleted the 2 " XXXX '' Accounts. On XX/XX/XXXX as shown in the document attached the accounts were deleted from the account. But on XX/XX/XXXX the " XXXX '' accounts were illegally put back on my account which violates 15 U.S. Code 1681e - Compliance procedures

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 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello my name is XXXX XXXX. I am filing a complaint against CAPITAL ONE BANK I felt like I was blindsided by them, not being treated fair and they are not trying to give me the help I need. I wasnt able to pay my credit card bill two months into XXXX because the expiration of my visa. By XXXX of XXXX I call the bank because I didnt want to lose my credit card. I spoke to someone I honestly forgot her name she told me if I start paying the minimum which is XXXX I wont lose my account and they will take off the restrictions so my mom started paying the bill for me. In XX/XX/XXXX I paid XXXX and in XXXX I paid XXXX. I got a letter in XX/XX/XXXX stated my account is up to date. I miss the payment on XX/XX/XXXX, but just paid the bill in full on XX/XX/XXXX which is XXXX. My account still remain restricted. I call capital one and they are telling me because I paid the bill in full the. 
I cant use my card anymore the restrictions wont be lift and I need to throw away my card and the manager told me this. I was very frustrated because it was never stated in the mail they send me this will ever happen and even when I call no one said my card is not valid anymore. I still have access to this account so I was so confused when she said they wont be giving access to my credit card anymore. I paid the bill in full to save my credit card I didnt want to lose it, I kept in contact with the bank because I really didnt want to lose my card. My account is still open but it said its restricted. In the letter I have nothing state that when I pay my bill. The bank will take the money and the credit card. She kept on forcing me telling me they were warning me but its not true because I have all the letter and I kept in contact with the bank. She was forcing that it was stated in the letter and Im going to upload the picture theres nothing stating my account so shut down or I wont be able to use the money every again nothing like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Today XX/XX/2022, I called to Early Warning Services , LLC in order to get the results of AN INVESTIGATION THAT XXXX BANK OPENED WITH THIS COMPANY. This investigation began on XX/XX/2022, and the result was set to be answered in XX/XX/2022, after one month of investigation. I called today to hear the result of the investigation opened on XX/XX/2022, and the agent XXXX, employee # XXXX told me that Early Warning Services was not going to give me any answer until I receive some envelopes that Early Warning Services sent me some weeks ago, and I returned them to the sender. This company is committing A RETALIATION CRIME against my person because I do not want to receive their UNEXPECTED MAIL. Early Warning Services is VIOLATING MY CIVIL RIGHTS rejecting to provide the answer of an investigation. This investigation is about a hard inquiry posted in my profile in a fraudulent way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: DE

Complaint narrative:
Aargon Agency INC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX has been sending me collection notices in the amount of {$300.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/2022 at XXXXXXXX XXXX I received a voice-mail from a person stating they were with Synchrony Bank and that it was imperative for me to send a payment immediately regarding my Synchrony XXXX XXXX card. I was to mail this payment to Synchrony Bank - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX, Utah XXXX. I was to call them right away at XXXX to take care of this. 
My husband and I actually have an account with Synchrony Bank, it is not a XXXX XXXX, or an App on our smartphones and we have always paid our account to their correct address in XXXX, Florida. 
I called Synchrony Bank on XX/XX/2022 and spoke with a representative who made note of this issue.

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 2022-03-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
As of today, I have sent over six disputes to all three bureaus. I have not been verified of the initial results. I continue to receive template letters. Section 609 a ( 1 ) A of the FCRA states that. Bureaus are required by federal law to verify. through the physical verification of the original consumer contract. I requested that unverified accounts be removed immediately and there has been no results provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: IL

Complaint narrative:
As of today, I have sent over six disputes to all three bureaus. I have not been verified of the initial results. I continue to receive template letters. Section 609 a ( 1 ) A of the FCRA states that. Bureaus are required by federal law to verify. through the physical verification of the original consumer contract. I requested that unverified accounts be removed immediately and there has been no results provided.

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 2022-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent letters to credit bureaus for outdated and inaccurate information to be removed off my credit report. I didn't get any response within 30 days. All three credit agencies did not respond.

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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IN

Complaint narrative:
XXXX went through another collection agency to try and get me to pay a bill already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP
State: CA

Complaint narrative:
My complaint is about a leased vehicle where my insurance company paid the bank approximately $ XXXX more than the value of the vehicle after it was declared a total loss. 

My wife and daughter were in a hit and run accident. My wife was the driver and was found to be at no-fault. The vehicle was a total loss. It was leased from US BANK in XXXX XXXX. XXXX XXXX settled and sent a check directly to US Bank for an amount that is more than the value of the vehicle when it was leased to us 13 months ago. The lease shows that the agreed upon value of the vehicle was {$50000.00} ( Gross Capital Cost ). However, I also have a statement from US Bank dated XX/XX/XXXX that states that if I were to purchase the vehicle, the pay off amount was {$45000.00} I had just renewed the registration in XX/XX/XXXX and within the 13 months prior I purchased a few after market products that were installed in the vehicle for approximately {$1700.00}. All of our add ons, except for one item ( worth {$53.00} ) were still intact despite the accident. Receipts for those purchases were sent to our insurance company. XXXX paid the bank {$54000.00}, which if based on the pay off amount on the XX/XX/XXXX statement is {$8200.00} more than what it was worth 13 months ago. 

My wife and I reached out to the bank about the overage to find out if they would send it ( or a partial amount ) to us but they said we are not getting any refund from the settlement check, and they claim that we are not entitled to any amount at all. We called the bank and the insurance company and they are pointing fingers at each other. The bank can not point out the provision on the lease contract that states they are the entitled to the surplus amount and we were told to contact our insurance company. XXXX said they were told by the bank to send them the full amount and at that point there was nothing they can do. 

I believe the bank and insurance company 's actions were unjust and unethical.

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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates
State: FL

Complaint narrative:
This collection agency sent my a collection debt letter in XXXX. I responded back with a verification debt letter in XXXX. Weeks later, the company report this debt to the credit report. I respond back again with another debt verification. This collection agency still haven't response yet.

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 2022-03-02 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOS CCA Has violated my rights.. I have never contracted with this company... I demand they remove this in accurate information, that has been harming me. I have been denied multiple opportunities because of this erroneous information. 
I demand maximum penalty, damages and fines For the damage to my name and hindrance upon my life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX I made an error and transferred {$360.00} from my PayPal account to XXXX XXXX. I immediately noticed the error and contacted XXXX and they agreed to issue a refund. After a few days I didnt see the refund and again contacted XXXX who advised they sent the refund and to contact PayPal . I contacted PayPal many times before getting a response where I explained the issue. I believe they wrote down notes and advised they would look into it. Days later still no response from PayPal. I again contacted XXXX and they advised the refund had been issued and to speak to PayPal. Again many attempts to get a person to help me was unsuccessful. I called and messaged without response or I got the BOT response someone would get back to me. I repeatedly asked for a supervisor to no avail. I am extremely frustrated at this point as {$360.00} is alot of money for me as Im on XXXX income. On XX/XX/XXXX I received a refund for {$1.00} which was deposited into my PayPal. I quickly contacted XXXX who advised they had sent me the entire amount of {$360.00}. They advised contact PayPal. Again many calls and messages were sent with PayPal saying that I accepted the {$1.00} refund and they cant do anything else. I didnt accept this it automatically was deposited. Many attempts to get PayPal to understand this problem and I was finally advised my original dispute was amended and I should see the refund. I even received a case closed notice saying the dispute was closed in my favour for {$360.00}. I still have to received my refund and again PayPal is saying that nothing can be done. I went back to apple and they advised if PayPal would do a charge back they would reissue the refund. PayPal has refused to help me any further and said contact my bank. At this point the bank said they cant help as too much time has passed. PayPal is refusing to help me XXXX has said they will refund if PayPal does a chargeback. Im so upset and frustrated that PayPal can just ignore my problem I dont know where to turn. I have attatched correspondence a lot of which was done by the messages system PayPal uses. Please can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
I am showing 2 derogatory accounts on my credit that I have disputed in the past with all three credit bureaus. The only credit bureau that continues to report the accounts in question is XXXX. XXXX has blocked my report and refuses to report a score for no reason other than a previously reported identity theft to them. Also with the accounts that are in question both accounts have incorrect information the Toyota motor leasing was found not even to have my Social Security number these were a result of ID identity theft. When Toyota motor credit leasing was questioned they originally admitted that they had my social as ending in XXXX, ( I do not have the account number but it is included on page 23 of 36 on my credit report attached ) this is not my social and all of the information on the application was incorrect did not match me it was a result of identity theft. The next account coming from XXXX XXXX XXXX I have disputed on several occasions. XXXX XXXX XXXX continues to reseal this information to different debt collectors after they have been advised that this was a fraudulent account as a result of identity best. XXXX XXXX XXXX has been negligent in selling this information to now professional account services. I just disputed the same bill on multiple occasions from two other debt collectors that I had to dispute and have the same account removed for {$150.00}. This has been a burden and XXXX has been the only company to continue to violate the law by reporting these items even though I have supplied them on multiple occasions with disputes and police reports showing identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a check from the city of XXXX ( XXXX XXXX program ) as I tried to cash my check I was told that they couldnt cash it unless I was a customer of chase. At that time I opened a checking account with chase so that I could deposit the check. After depositing the check I tried to login to the my online account and got a error message stating suspicious activity and giving a number to call.. I called the number and was placed on hold for two hours inwhich the bank had closed. On XX/XX/22 I called and was place in line for a call back which took 1hr and was told I needed to contact the fraud department and was given the exact same number I had called to receive a call back. This service unacceptable! I need answers on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/22 I was contacted by Portfolio Recovery about a debt they had purchased from XXXX Bank of $ XXXX..They had been calling repeatedly..We came to an agreement of $ XXXX..Initially I tried to pay with my credit card.They said I couldn't pay with credit. The lady on then phone was speaking to me as if I were an idiot. Other companies had taken credit no problem. When I got my debit card to pay the agreed amount the lady said I hurt her feelings and she would not accept my money. Now I find they have put this back on my credit report as if it is new..I have an email they sent detailing the agreement. I was promised if I paid the {$630.00} the collections would be removed from all the credit reports..They never had any intentions of making a deal..They wanted to put this account on for another 7 years. I request your help in removing this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I just had a terrible experience with Capital One regarding my XXXXXXXX XXXX card. Fortunately I record all calls as I am told Capital One do as well. I wasted 46 minutes on the phone only to be disconnected as the third agent I was speaking with was troubleshooting with me and filing a report so someone could get back to me. OF COURSE NOBODY IS CALLING ME BACK. 

I am supposed to have a credit on my account for {$270.00} from XXXX XXXX ''. IT DOES NOT SHOW ANYWHERE and I attempted to call up " customer service '' to rectify this issue. 

It does not show anywhere online, on my XXXX. Just in your mobile app that I happened to download. 

This is not going to work. I need to be able to have confidence that capital. one can display credits, charges, correctly etc. It's basic. 

How can I have confidence in capital one 's ability to charge me correctly if they can't display charges/credits online? 

Please advise. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation