vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: CT

Complaint narrative:
On XX/XX/2022 @ XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX @ XXXX I used there Western Union machine ( that I have used for the last 2yrs ) to send money to my Godson XXXX XXXX XXXX XXXX {$25.00} and paid the {$9.00} ( processing fee ) total {$34.00} on XX/XX/2022 When XXXX went to receive the money there was an Error and contacted me right away. I then called Western Union ( WU ) An was giving a case # XXXX by Monday XX/XX/2022 I contacted WU w my case # an told it was in process an someone would be contacting me. Then on Tuesday XX/XX/2022 I was told to go to the store where the transaction took place. I did with WU on the phone w me then told never mind someone will be contacting me. So on XX/XX/2022 I called WU gave my case # and was told there was no case #. I asked to speak XXXX there supervisor but was told I could Not an told they could Not give me there supervisor name. So, I called my Bank XXXX XXXX XXXX  ) to see if I paid for my transaction and I did and showed it in my checking account. So, I called Western Union Corp in Indiana and spoke with XXXX @ XXXX on XX/XX/2022 an was giving a New case # XXXX and told by XXXX that I would be contacted XXXX by Friday XX/XX/2022 But No One had called or emailed me XXXX. So, Again called XXXX the WU corpXXXX on Monday XX/XX/2022 and gave them my case # & was told someone will be calling bk that day. But No one called bk. Again I call XXXX on Tuesday XX/XX/2022 told my case is being process. No one called or emailed me XXXX XXXX, again I call on Thursday XX/XX/2022 and told there was No case then received an email stating that I never paid for the transaction. So, last night XX/XX/2022 I was on the phone with WU Corp. for over XXXX & XXXX trying to correct this but got no where and once again told the supervisor was not available to talk and gave me a New Case # XXXX Hhhmmmm Not sure what else to do other than contacting you. Can you Please Help? Do I have to hire a lawyer to go after WU Corp? 
Thank you Sincerely XXXX XXXX Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This is regarding my Best Buy Citibank Visa card. On XX/XX/XXXX, I ordered a pair of speaker mounts for {$250.00}. They were to be shipped to my home within one week. This order was never received. On XX/XX/XXXX, I called because, we had not received this item. I was told that we would have another pair of speaker mounts expedited to us by the end of the week ( no later than XX/XX/XXXX ). This date passed by and we never received the reshipment of the product. On XX/XX/XXXX, I called to follow up on this and was informed that the order on XX/XX/24 was never sent out, but that they would credit my account for {$250.00} and cancel this order. Then we could place the order again and pick up the speaker mounts at our local Best Buy store. We were informed to wait 2-3 weeks for the credit to process to our Best Buy Citibank Visa account. This never occurred. I called again on XX/XX/XXXX and was told after months of informing Best Buy of this error that I'd have to open a credit card dispute. The credit card dispute was opened on XX/XX/XXXX and closed shortly thereafter. I was never notified that this was closed or of the results. There is only a letter in my online account stating this was opened and there would be no interest while this is investigated. There was never a letter indicating the results only a 'closed ' next to the investigation appeared online. No one informed me of next steps. Then, after calling twice, once on XX/XX/XXXX and then again today, XX/XX/XXXX, I was told that the item was marked 'delivered ' on their end and the only thing they can do is direct me to contact the local police department and carrier of this delivery. They indicated that I am responsible for these charges. At this point, my credit card is paid off with the exception of these charges ( {$250.00} ) and I'd like a resolution to this matter, as I've been unsuccessful working this out with Best Buy Citibank. I've attached the only letter in my account regarding this dispute as well a screenshot of the area indicating that the dispute was closed with no other details as to the reason.

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 2022-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
There is a XXXX collection on my credit report, that i has no idea of until the collection was reported to the Credit Bureau. I was never contacted regarding this debt. If I was contacted there was never a message left requesting a return phone call. Therefore I was not aware this account needed my attention. I have contacted IC Systems in regards to this debt, and they stated an address that I have no lived at in 5 years. If I had been contacted about my address change I would have taken care of the situation. My correct address is listed on the report given by credit karma from CI Systems. I have still yet to receive a notice for this collection. The only reason I even know about this debt is through my credit karma credit report. I have attempted to go to their website to look over the debt I supposedly owe, but the company requires a reference number to the account which I do not have because I have never received a notice. I have no files to attach to this complaint due to never receiving a notice.

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 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MS

Complaint narrative:
I applied for the covid forbearance plan that I was eligible for they advised that I was and said I would get my letter within the next week. I later learn that I was denied the assistance for Covid forbearance due to the property management team stated that the property is vacant how can you deem a property as vacant when the lights are on when the water is on and the gas is also on is beyond my understanding. The property has never been vacant and each and every time I try to work with this company they insist on advising that they will work with me and later this is never the case they hire these people who deemed the property as vacant. We have had a lot of storms in MS and therefore due to the storms it looks as if the property is vacant due to all the trees and waste after the tornado and constant rain which has made the up keep extremely hard the company hires people who sell my information to seize my home during this state I have had an unlimited amount of calls and text messages due to the breach of information within this company requesting that I sign over the home or I sell it to the outside rep. The company is hiring employees who are working for themselves to seize homes from the home owner in order to make a side profit for themselves giving out confidential information that is not suppose to be given out it is a breach in credit information a breach in privacy information it is a breach within this company that if they are doing this to me I am very sure they are selling the information of other homeowners to investors and other institution without the homeowners consent or knowledge it is important that someone investigates this company and their lack of assisting the homeowner using skillful tactics as loop holes claiming the property is vacant in order not to offer the programs available for the homeowner to keep their home only trying to seize and sell to investors who are within the company as colleagues to make a side hustle off of the homeowners expense an immediate investigation into the skillful tactics of this company is needed using slick loop holes to deny such as vacant after this brings it to the bank as not eligible for assistance due to slick use of loop holes within the mortgage system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Please see attached document that was sent as a letter to Chase Bank along with my pay-off documentation. In short, I have already paid all 36 months worth of tax payments associated with the lease cost of the vehicle, up front at the dealership. The tax arrangement is then between the dealership and Chase Bank. 

I requested a pay-off quote for my vehicle with 2 months remaining lease payments on my vehicle. The pay-off quote included taxes for XXXX and XXXX of 2022, even though as mentioned earlier, I have already paid taxes for 36 months up front. 

My letter clearly indicated wrongful/erroneous billing and requested prompt refunding of the tax payments in the amount of {$41.00}. Chase has ignored my request, and upon calling over a span of 2 months ( on or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I was informed by XXXX on XX/XX/XXXX that Chase has closed the investigation and will not be refunding me and that I need to speak to the dealer and that it is " too late in the process '' to do anything, even though my letter was sent many weeks ago with the paperwork to purchase the vehicle. 

Clearly the dealer has already remitted taxes to/on behalf of Chase, so I should not be left battling the dealership over this - Chase has collected 36-38 months of taxes already, so they need to be refunding me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I received a bill from the medical revenue service, for a medical procedure I had on XX/XX/2021 at XXXX XXXX XXXX. 
They claim that they tried to contact me several times regarding the debt. I didn't receive any notice regarding this debt from XXXX XXXX XXXX. Not a bill in the mail, no email, and if they tried to call me they didn't leave a message. Instead it was sent to a debt collection agency which XXXX me off. Im gon na pay the bill because I received the service, but I dont like the way it was handled on their part.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion provided credit score on my bank account webpage. When I pay a significant amount on my revolving credit card, my credit score drops. Has happened more than once. That appears to me as if the credit reporting company is working with the banking industry to drive consumers to increase and maintain their credit usage. Can you explain this situation? 

When an inquiry doesnt result in a new account, that shouldnt affect credit score. In my case, our company has a line of credit. At renewal, the do an inquiry on each member. That shouldnt impact my personal credit score. 

Thank you, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I have hard inquiries that was not made by me or authorized by myself could be related as fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 Cross country Mortgage XXXX XXXX XXXX Cross Country Mortgage XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am a victim of Navy Federal attempting to collect a dept. They have taken hold of my accounts including the exempt one which is an CD/IRA that belongs to my kids. I have filed a complaint with consumer financial bureau, XXXX, FTA and I also filed a motion with the court on XX/XX/XXXX for my assets to be released. The judge ruled in my favor and they have refused. They have scared me, bullied me, refused to speak to me and using abuse of power to take my funds to pay of a credit card I accumulated during the pandemic. I am not the only victim in XXXX they were sued XXXX XXXX for improper debt collection and this is the same issue that is happening to me. I was told by an agent called XXXX to call an attorney. She was being sarcastic because I said all my funds are locked up by navy federal. She demoralized me right on the recorded line. This occurred today at XXXX on XX/XX/XXXX. this is the second complaint i have filed against navy federal due to this issue. The consumer Protection bureau is suppose to assist consumers not intimidate them, give them false information and make fun of there issues over the phone. This is completely unethical, unprofessional and embarrassment to the state and the governor himself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Rock Creek Capital, LLC
State: PA

Complaint narrative:
at the time XX/XX/XXXX. I was working with XXXX, and they sent us advertising emails about flexible lease " for example " you can return your vehicle as soon as 30 days after your first payment due date no question asked! " where we can rent a car ( weekly ) and return with no question asked. 
I have emails to proof that. 
the car rental was returned on XXXX at the time I rented the car from XXXX rent company. and after 5 years I get a mail that I owe around {$2500.00} for early termination lease, from a different company and a bad credit reporting without even a single communication for 5 years. 
please note that I was not the original leasee nor I did sign the original lease or even saw the original lease. 

dates of car pick up : XX/XX/XXXX date of return : XXXX XXXX XXXX : XXXX Rock Creek Capital, XXXX XXXX : {$2600.00} actions that were taken by you or the company. bad credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish any information relating to a Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate

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 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
Home purchased in XX/XX/XXXX. Value re-assessed in beginning of XXXX causing additional tax statements to be collected. 
XXXXOn XX/XX/XXXX, I sent an email to XXXX ( per calling UWM ) requesting to pay additional XXXX  taxes due to tax assessment increase {$350.00} XXXXOn XX/XX/XXXX, I sent an email ( from XXXX ) to XXXX ( per calling UWM ) requesting to pay additional township and school district taxes- due to the assessment increase township- {$160.00} School- {$1400.00} XXXXOn XX/XX/XXXX, I sent an email ( from XXXX ) to XXXX requesting that i sent 2 emails requesting overdue taxes be paid- there is now a 10 % penalty. I called UWM ( united wholesale mortgage ) and this time they provided me the delinquenttaxes email to send statements to. 
-On XX/XX/XXXX, i called again since taxes were not paid. I was told to upload the documents to the UWM website secure message center- which i did. I was told they would escalate the situation and pay taxes. 
- I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX  that as of XX/XX/XXXX the unpaid taxes will be filed as claims in the XXXX XXXX dept of court records. I contacted XXXXXXXX XXXX XXXX on XXXX they stated that they sent a copy of the county tax request to XXXX XXXX Uwm 3rd party- who pays the taxes on XX/XX/XXXX, per their request. 
Current Amounts Due are : county- {$540.00} township- {$210.00} school- {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-04-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I filed XXXX  XXXX Bankruptcy on XX/XX/2022. XXXX XXXX was notified on XX/XX/2022, see attached document. Equifax was notified of my Bankruptcy filing by my dispute on XX/XX/2022, see attached document. Equifax failed to update both of my XXXX XXXX accounts to the accurate balance of {$0.00}, XXXX  XXXX date of XXXX, no latest prior to filing chapter, no past due, no 22 times of 90 days late and further failed to report the accurate history of the account. The account number itself is inaccurate as this was not my XXXX XXXX credit card account number. This is a FCRA violation as well as a violation of the automatic stay provided by Bankruptcy. On XX/XX/2022 Equifax sent me a letter that my dispute was processed and the information of charged off Credit card account, balance of {$13000.00}, with 1- 30 day late, 1-60 day late and 22- 90 days late was accurate ( this is NOT ACCURATE ). This is FCRA VIOLATION as Equifax had a copy of my bankruptcy petition which included both XXXX XXXX accounts, the credit card account and the personal loan account. Equifax failed to conduct a reasonable investigation of my dispute! Equifax has continued to report inaccurate information for both of my XXXX XXXX accounts since XX/XX/2022 all the way up to and including today XX/XX/2022. Since Equifax failed to conduct a reasonable investigation and has continued to report inaccurate information since XX/XX/2022, the XXXX XXXX credit card account should be deleted from my Equifax credit file or at the least, Equifax must report accurate information in my credit file.

Company response to consumer: Closed with explanation