vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I received the email below- DO NOT KNOW PERSON CITED - AMOUNT DOES NOT SHOW UP IN MY CU ACCOUNT, COULD MY IDENTITY HAVE BEEN STOLEN???? 
Local police officer I spoke with ( about another scam wanting XXXX or they would sell all of my info ) said to never press links or call #, it was common threat against seniors- If any repeat or similar, to report it. Please help ... 

Address info would not copy- just said SUPPORT and my address. 

TEXT OF EMAIL Western union : Money transfer confirmed Thank You for using Western Union : Your money transfer now available for pickup -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TRANSACTION DETAILS : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Your tracking number { MTCN } XXXX PLEASE USE THIS NUMBER FOR ANY QUESTIONS. 

Transactions date XX/XX/2021 Receiver name : XXXX XXXX XXXX Address : XXXX, Payment method : debit card Amount sent : - $ XXXXUSD Transfer fee : - $ XXXX Total : - $ XXXXUSD -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Exchange rate : XXXX Transfer XXXX Total final XXXX Issues with this transaction? If you haven't authorized this CALL US+XXXX Headquarters : XXXX, Colorado, United States Subsidiaries : Western Union International Services , LLC , MORE Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Media Relations XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach. As a consumer my rights has been violated numerous times by these credit bureaus and corporations. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. You CAN NOT have a late payment on a finance charge. VIOLATION!! Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also.Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!

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 2021-04-27 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: PA

Complaint narrative:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
US Bank Mortgage = Account closed paid off, Dates reported late= XX/XX/2020 2020

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
First, this is no longer an issue because the credit card company waived the interest fee that I was complaining about. However, the policy is just not right. 
In XX/XX/XXXX, I unintentionally did not pay the full amount on my Costco Anywhere Visa Card by Citi. I then incurred interest of {$14.00} on the bill due XX/XX/XXXX. I paid that bill in its entirety, including the interest, before the due date. Now on the bill ( with {$0.00} previous balance ) due XX/XX/XXXX there is an additional interest charge of {$37.00}. When I called on XX/XX/XXXX to inquire why there was interest charged when the previous balance was XXXX? -- the answer was that interest is applied until there is 2 consecutive months when the bill paid in full. 
Be aware that interest can be charged on a {$0.00} balance.

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 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo opened a fraudulent checking account in my name. After opening a identity theft case with them they have been unwilling to give me any details as to how this happened. In addition to allowing someone to open a new account in my name, they then apparently automatically updated all of my existing accounts contact information with the fraudulent information. It appears as though they have no identity theft protection or no dual authentication process in place. They are unwilling to give me any information as to how this happened. When I do call them, they send a text with a security code before they will speak with me but they will allow someone to open a new account and change account information with no security protocol. Given how secretive they've been with any information on how this could have happened it makes me wonder, Could this be another case of Wells Fargo representatives opening fraudulent accounts in their customers names.

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 2021-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of XXXX years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
Nissan Motor Acceptance, Car Installment paid off. Dates Reported late XX/XX/2020, XX/XX/2020, XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting this account on my credit report Account # : XXXX ... XXXX have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....

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 2021-04-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting this account on my credit report Account # : XXXX ... XXXX.I have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX is reporting this account on my credit report Account # : XXXX ... ..I have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....

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 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I applied for a mortgage from Navy Federal jointly with my wife at the beginning of XX/XX/2021. We went under contract for the purchase of a home on XX/XX/2021 the contract was sent to the mortgage lender on the same day via email. The closing date on the contract was XXXX XXXX. I did not receive any contact from Navy Federal until 5 days later when a XXXX XXXX envelope appeared on my front door. It contained all loan documents with a locked in rate WITHOUT ever being sent a loan estimate and agreeing to lock in the rate. Finally I was able to reach my mortgage lender and he never admitted to his mistake and said the rate was locked in and there was no way we could get better rates. I took it upon myself to apply for the same loan again on XXXX XXXX but without my wife to see if I could get a better interest rate which I did by .75 %. I then had a new loan officer per my request after the terrible experience with the original loan and after all documents were submitted ( so I thought ) the loan was transferred without my knowledge to a now 3rd officer. It was the first week of XXXX when we had asked for the appraisal to be scheduled. It was scheduled for Thursday XXXX XXXX. During the week of XXXX I received no document requests or contact at all from the new Loan officer. We then heard back from Navy Federal during the next week of XXXX that they could not contact the Appraisal company. Until finally on Friday XX/XX/2021 the Appraiser contacted Navy Federal and said he couldnt do the appraisal because his wife was sick. I had made sure to ask my loan officer if everything was done other than the appraisal and she assured me it was. We had to write an addendum to the sale contract to extend closing to Thursday XXXX. On Monday XXXX the appraisal report was finally reviewed and approved by Navy Federal but it happened around XXXX XXXX XXXX XXXX so they couldnt get the file approved for a Thursday closing date. Then I had to reach out again on Tuesday XXXX to my loan officer to ask the status of the loan and she said they had questions about our rental property which I had clearly explained in the application process that the tenants were moving in XXXX XXXX and I had submitted a copy of the lease agreement. They also had questions about an allotment on my paycheck which went to an investment account. Which they also had statements for. So basically it sounded like they didnt even begin reviewing documents until the Appraisal was final. Now we have to again ask the sellers to extend closing even further to the right. During the time after our original closing date of XXXX we have been forced to stay in hotels until we could close. Our experience with Navy Federal has been horrific and I will never bank with them again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank is misreporting a balance to my XXXX credit report. The account was settled for less than full, and is reporting correctly on both my XXXX and XXXX credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: OH

Complaint narrative:
I received a call from Direct Recovery Services LLC. The guy XXXX XXXX called me a liar stating i did not have the money in my account on XX/XX/21 when I stated i had the money he said i was lying as they were trying to collect it but unable to but i did not see anything come across my account and he started to get rude and ruder with me so i just hung up the phone as this was getting no where and he laughed when i stated i did not have the money in my account currently. the amount was supposed to be {$210.00} on XX/XX/21 for a deb to XXXX XXXX and {$210.00} on XX/XX/21 also the previous guy called my grandmother as well and was rude as well and stated im more worried about him calling my family rather than paying a debt and antagonizing me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: GA

Complaint narrative:
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. As a consumer my rights has been violated numerous times by these credit bureaus and corporations. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. You CAN NOT have a late payment on a finance charge. VIOLATION!! Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also.Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I purchased cryptocurrency from Binance XXXX using my bank account my bank account declined the transaction after the cryptocurrency was already deposited into my account therefore leaving me a negative balance that I owed them I deposited money from my bank account back into finance so that they can take the amount owed which they have already I have sent them countless support tickets trying to get A resolution for them to unlock my account so that I may withdraw my funds but my account has been locked due to risk management I received one email back asking if they have taken care of my problem and it has not been solved to this day no responses back from binance XXXX they have nearly {$5000.00} of mine locked in a new account and I would like to regain access ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/2021, I recieved an email from my XXXX XXXX reporting that a TD Bank account was created/opened in my name. My name is XXXX XXXX XXXX and the debt card number XXXX. On XX/XX/2021, I recieved a TD Bank debt card with my name on the debt card. I did not request or open this bank account with TD Bank. I called TD Bank to report this to their Fraud Department and they told me to report this activity to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: WV

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi and how are you doing? Although I appreciate XXXX XXXX getting back to me in regards to my previous dispute for a negative item or charge-off account reporting, but their investigation did not resolve my underlying issue. It's impossible that you verified this account because it continues to report the same errors, inconsistencies, with multiple inaccuracies, and different dates of last active and different dates of last payment. You mentioned that you sold my account back in XX/XX/2016 to a XXXX XXXX XXXX  - a debt buyer, but no way on my account is showed that it was sold or transferred to them. I believe under the fcra guidelines if the account was sold/transferred it needs to show on my credit report so I can resolve it directly with them. You failed to conduct a reasonable and truthful investigation because it continues to report the same errors and violations as before i disputed.

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