vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sent a payment to my home mortgage account electronically on XX/XX/19. My account reflected the payment and then showed a XXXX  balance on XX/XX/19. Wellsfargo then " reversed '' the payment without my authorization, but did not return the funds back to me. The account then reflected I once again had an outstanding balance and did not reflect the payment from the day before. Wellfargo says this is due to " delay '' in processing the payment and that i will eventually reflect accurately, however right now the account in in error and incorrectly reflecting my amount due and my outstanding balance. Wellfargo has been unwilling to correct the issue simply stating that it will correct itself in due time.

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 2019-01-12 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: MO

Complaint narrative:
Hi there, I initiated a money transfer through Western Union Money Transfer company on XX/XX/XXXX. They promised that the funds will be available into the receiver 's account within 5 business days. But, it was not available even today which is XX/XX/XXXX which is more than 2  months. I was even not able to get any information on the issue. The only information I can get is that there was a pending verification. This is the only information I can get from both my online account and even from the Western union customer care. I did all the procedures which they had suggested me. I was keeping n calling them from these 2 months as there was an urgent need of this money to my receiver ( my father in XXXX ) but none of them were able to solve the issue. I was kept on call being transferred from one department to other department. I literally spent atleast 40-60 hours on call and chat with them. But each time they kept considering the issue as new one. I didn't see any kind any progress on my issue. Finally, I was fed up and lost hope that the issue would be resolved. Hence, I'm filing this complaint. Hope, the department would take necessary action and help that my funds would be available to my receiver. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: KS

Complaint narrative:
Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.

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 2019-01-12 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: KS

Complaint narrative:
Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: TX

Complaint narrative:
I have already reached out once to XXXX  & Equifax about the 2 following accounts : 1. XXXX XXXX XXXX - {$450.00}. This account do not belong to me. 

2.XXXX XXXX XXXX- {$12000.00} account does not belong to me. 
they response debts were verified - well according to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed  above. 

Under the FCRA, unverified, invalid accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: KS

Complaint narrative:
Please be advised over the past 4 months I have filed 4 complaints and  this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and  they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists 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 explanation
Consumer complaint received 2019-01-12 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I have contacted this company One Main Financial I received a notice back. That it has to be cause of my personal information. This can be fraud I have received several emails from this place. I even locked my credit report if this is not removed I will contact attorney about this situation. I will not be taken advantage of this need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: KS

Complaint narrative:
I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists 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 non-monetary relief
Consumer complaint received 2019-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists 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 explanation
Consumer complaint received 2019-01-12 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: KS

Complaint narrative:
I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and  they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: KS

Complaint narrative:
I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists 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 explanation
Consumer complaint received 2019-01-12 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: IN

Complaint narrative:
I was given a free credit report I noticed there are accounts on there that are NOT associated with me, I have never went to any hospitals EVER and receive any type of medical service, someone has either used my name or fraudulently said they were me. Theres 3 accounts from XXXX XXXX XXXX in the amounts of {$710.00}, {$730.00}, and {$590.00}. I want to either see a valid signature and ID that was used to verify me and or said it was me, I want proof of all documentation that was received in order to receive medical services from the facility or hospital.

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 2019-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings
State: NY

Complaint narrative:
There's 2 issues, Privacy and Interest/fees. 

I took out a loan for {$1500.00} ( possibly went up to {$1800.00} ), and I somehow now owe collections ( on my credit report ) {$2300.00} for Speedycash. They started taking out {$500.00} payments every two weeks, and I'm sure I paid over {$4000.00} in payments to them over the course of months, maybe even more. How can I owe {$4000.00} + {$2300.00} for a {$1800.00} loan?! I guess I didn't understand the paperwork but this ruined months of my life and forced me to take out another payday/installment loan with someone else to pay my rent. And of course that snowballed into a disaster. 
One point it got so bad I had to put a stop payment on an autopayment from them to pay my rent and they somehow got my debit card number ( I never gave it to them ) and made a payment to them on that. I think you can see in my emails attached I filed a Fraud report. I definitely filed one with XXXX XXXX. Now all of that was sent off to collections and I still owe them money somehow. So depressing. 

Now I can't get apartment because my credit score is too low and this is the only bad thing on there except for {$270.00} for my old cable box I think? 

Please help me figure out how to settle with them without paying them even more money. I feel so taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: FL

Complaint narrative:
Pacific Union XXXX County Clerk XXXX FL Police have responded to my house 25 times in past 2 years regarding fraudulent wellness checks by co borrowers parent. 

I was threatened and told to sell house by police and co borrowers parent. 

My house was put up for sale fraudulently without my signature. Police arrested me on false charges. The police officer XXXX laughed about how Id be held on no bond and my house would be sold before I got out of jail. 

DA signed formal charges same day they supposedly recorded a deposition with alleged victim but wouldnt produce it to courts. 

I asked for expedited trial and they dropped charges right away. 

But co borrowers parent still got my 401k and my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a 30 day late/misses payment. That is incorrect, I never missed a payment, nor late. I have a XXXX balance. I disputed the reporting with the company and credit bureaus in XX/XX/2018 and it was removed. It was added back to my credit profile in XXXX again. I did not authorize a payment they said was returned and it was returned because there was fraudulent activity on my account and they refuse to properly look into this matter. Ive tried multiple disputes to get this resolved.

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 2019-01-12 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: IN

Complaint narrative:
I was given a free credit report I noticed there are accounts on there that are NOT associated with me, I have never went to any hospitals EVER and receive any type of medical service, someone has either used my name or fraudulently said they were me. Theres 3 accounts from XXXX XXXX XXXX in the amounts of {$710.00}, {$730.00}, and {$590.00}. I want to either see a valid signature and ID that was used to verify me and or said it was me, I want proof of all documentation that was received in order to receive medical  services from the facility or hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: IN

Complaint narrative:
I was given a free credit report I noticed there are accounts on there that are NOT associated with me, I have never went to any hospitals EVER and receive any type of medical service, someone has either used my name or fraudulently said they were me. Theres 3 accounts from XXXX XXXX XXXX in the amounts of {$710.00}, {$730.00}, and {$590.00}. I want to either see a valid signature and ID that was used to verify me and or said it was me, I want proof of all documentation that was received in order to receive medical services from the facility or hospital.

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 2019-01-12 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: ACS Education Services
State: GA

Complaint narrative:
A student loan that I had with XXXX back in XX/XX/XXXX went into default, but I went through loan rehabilitation and it was completed in XX/XX/XXXX. This particular loan has been closed since XX/XX/XXXX, but they have updated the account to show me having a late payment in XX/XX/XXXX. That is not even possible. I do not have an open account with them. Again, this account has been closed since XX/XX/XXXX!!! I tried to dispute this with XXXX, but they said the account has been updated and it still shows that late payment. I have not paid one single bill late since then so this is damaging my credit report and needs to be addressed immediately.

Company response to consumer: Closed with explanation