vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
In XX/XX/XXXX, I made two payments with the following case numbers to XXXX XXXX through Western Union : XXXX and XXXX. I need the transaction history to verify the payments with XXXX XXXX. So, I contacted Western Union on XX/XX/XXXX to request the transaction history. The agent that I spoke to confirmed the transactions and requested that I fill out the Transaction History Form and send it back to Western Union with a copy of my ID card and proof of address ( Lease, affidavit, or a bill I have sent the information by mail twice and by email three times. The attached letter is what I have been receiving from Western Union that my signature on my ID is not similar to the signature on the form. I really need the transaction history to verify the payments I made to XXXX XXXX in XX/XX/XXXX. I hope Western Union will send the transaction History on time. 

Also, I have done a few transactions to send money overseas, and the recipients have been denied to collect the money because of a lack of ID cards or unmatched names. This all I would like to get from Western Union. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We were with Owen we did a loan modification. Right before owen sold the mortgage they said we missed a payment. We didn't. but we paid the fees. the new bank also said we were late and kept charging us fees. We have paid our mortgage every month but our credit report says we are 30 days late since XXXX. I called my bank and they said we are not late and couldn't explain why our mortgage statement said we had XXXX due by the first. once they looked into it they said that they had sent investigators to see if we had abandoned the house. It makes no sense since we keep making the monthly payment due. and even after paying the extra amount they keep putting more on our bill, our monthly statement always has a large amount due every month. Currently my bill says I owe XXXX by XX/XX/XXXX. Now I cant even refinance my property because my credit report says I haven't paid my mortgage since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M & t bank closed my account on XX/XX/2020 and my check went in on XX/XX/2020. They had a creditor keep harassing me about paying the entire amount when I didnt need to.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
ally finacial account number XXXX this account is in dispute because XX/XX/2018 the vehicle was deemed a total loss by means of a tree falling on it. The insurance company settled this debt and the GAP insurance provided the difference. THIS ACCOUNT WAS NEVER LATE. HOWEVER THEY ARE STILL REPORTING ON ALL 3 REPORTS LARE 90 DAYS, 60 DAYS AND 30 DAYS.

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 2021-02-23 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 Finance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I called the One Main Financial office at XXXX XXXX XXXX XXXX, XXXX, CA XXXX with the phone number ( XXXX ) XXXX. XXXX answered me and I asked specifically for XXXX because she had helped me previously. XXXX told me that she was not available because she was with a client. XXXX told me I will take down your information and XXXX will call you back. 
After a few minutes, XXXX called me back and told me that my credit had been run. 
I told XXXX that I had not authorized this, and that they had only asked me for my name. 
XXXX forwarded the call to XXXX and said " I already did it. 
I called the company headquarters and explained what happened, and today Monday the XXXX, I received a call from One Main Financial and I spoke with XXXX XXXX and she said that she could not help me. 
I explained in detail what happened to XXXX and she told me that she believed her co-worker over me. 
This attitude is not ethical and not legal because they ran my credit without my consent and authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
ACIMA CREDIT : ACCOUNT NUMBER : XXXX IS REPORTING 60 DAYS LATE ON XX/XX/2018 AND 30 DAYS LATE XX/XX/2018. THIS ACCOUNT WAS NEVER LATE AND THE COMMENTS ON REPORTS ARE NOT ACCURATE. THIS COMPANY HAS NOT FURNISHED PROOF THAT THEIR STATEMENTS ARE CORRECT AFTER MULTIPLE ATTEMPTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Amex account number XXXX this account was never late. however it is reporting on XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 120 days late. it is also commenting all on 3 credit reports incorrect comments. we have asked they verify this information and have not done so. after multiple attempts we are using CFPB before filing suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX account number XXXX this account was never late. however it is reporting on equifax XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 120 days late. it is also commenting all on 3 credit reports incorrect comments. we have asked they verify this information and have not done so. after multiple attempts we are using CFPB before filing suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 a negative item was removed from my Experian Credit Bureau Report. I was on the phone with them When they took it off. At that time My Experian credit score was XXXX. 2 days later my credit score jumped up to XXXXXXXXFICO Score. On the XXXX of XX/XX/2021, I was informed by Experian that my credit score had been put back to XXXX, I naturally could not understand why this event took place. I ordered My credit report and saw they had put back my negative item. I called and expressed my concern and they again removed it in violation of FCRA code that requires Credit bUreaus to notify consumers of a major change in their credit report. my score went back to XXXX FICO. 
On the XXXX of XX/XX/2021, I called a major Mortgage lender to inquire about refinancing my home. After checking all 3 credit Bureaus they said Experian reported a XXXX credit score. 
I called Experian and could not get a logical or technical explanation of why this happened. They said they were reporting FICO Score correctly. But we do know that was a lie as their own paperwork to me said my FICO Score was XXXX ( paperwork included ) Today I called another Lender and he reported their FICO Score as XXXX. On XXXX I received an alert from Experian stating my FICO Score was now XXXX. Yet the new lender was shown a score of XXXX. I hope you can resolve this. I would like to have the companies I'm doing business with be shown accurate information

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Uplift, Inc
State: MA

Complaint narrative:
UPLIFT INC. ACCOUT NUMBER XXXX. IS REPORTING ON 1 CREDIT REPORT THAT I WAS LATE XXXX OF XXXX BY 30 DAYS. THIS IS INCORRECT AND THEY HAVE YET TO REPLY OR FURNISH ANY PROOF THAT I WAS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
UPLIFT INC. ACCOUT NUMBER XXXX. IS REPORTING ON 1 CREDIT REPORT THAT I WAS LATE XXXX OF XXXX  BY 30 DAYS. THIS IS INCORRECT AND THEY HAVE YET TO REPLY OR FURNISH ANY PROOF THAT I WAS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I got a collection letter from Convergent Outsourcing about a loan from XXXXXXXX XXXX I have never had a relationship with them or ordered anything with this company. I have been a victim of identity theft and many accounts have popped up that are not mine. This is one of them.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX : ACCOUNT NUMBER : XXXX IS REPORTING 60 DAYS LATE ON XX/XX/2018 AND 30 DAYS LATE XX/XX/2018. THIS ACCOUNT WAS NEVER LATE AND THE COMMENTS ON REPORTS ARE NOT ACCURATE. THIS COMPANY HAS NOT FURNISHED PROOF THAT THEIR STATEMENTS ARE CORRECT AFTER MULTIPLE ATTEMPTS

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Mailed offer that I was " pre-selected '' to be able to get a credit card with a {$200.00} incentive to open an account. When applied, was refused application due to having too many credit card request despite excellent credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been paying for the Credit monitoring service with Equifax since XX/XX/2020, and I havent been able to update my report when Equifax. I called them they tell me to call them back because the system has to make the correction and update, but theres no correction it still doesnt work .There are accounts on XXXX and XXXX  that are not showing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: IA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Discover Bank on XX/XX/2014. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. Discover Bank then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received a 1099-C form from JPMorgan Chase in XX/XX/XXXX stating that this debt was cancelled XXXX. This is not accurate. They are attempting to issue a 1099-C for an old debt. This was charged off by Chase bank in early XXXX, during a period of years that I was insolvent. After charging the balance off, Chase then passed the debt on to multiple collection agencies to collect ( including XXXX XXXX. and XXXX XXXX XXXX ) from XXXX through XX/XX/XXXX when I filed ChXXXX Bankruptcy which ended all collection efforts by Chase and any collection agencies from that point on. The debt was cancelled over eight years ago. This is nothing more than Chase sending out 1099-C 's for Zombie debts with the intent to harm consumers. This behavior is no different from that of a debt buyer. 

In addition to the incorrect date that they are attempting to claim that this debt cancellation was supposed to have taken place in, and more importantly, the amount that they have indicated is false. As stated on their own form, by law the amount can only include any unpaid PRINCIPAL BALANCE of a debt that is forgiven. That is purchases and cash advances only. Interest, finance charges, penalties and fees are not income and have no tax consequences and can not be included in the total. They are falsely stating the amount of {$3400.00} which includes a substantial amount of interest, finance charges, penalties and fees. Most of which had incurred over a period of multiple years. 

A quick XXXX search shows that this is not the first time Chase has done this to consumers and I am not the only one to receive very outdated and inaccurate 1099-C docs. 

By sending this inaccurate and false document Chase is not only attempting to force me to claim this as XXXX income, ( which it most definitely is not ) they are directly preventing me from being able to file my taxes. This is quite harmful to me. 

Chase needs to rescind the XXXX 1099-C that they issued. They need to do so quickly so as to allow me to file my taxes on time. 

( To note, Chase did not provide an address with which to contact them in their forms ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/XXXX a fraudulent purchase was made on my Discover credit card on my XXXX, I made a dispute with XXXX they stated they could not help me. I waited until XXXX of XXXX to try with Discover. They told me since I payed on my account and did not report fraud immediately they could not determine it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
LVNV Funding LLC, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX**** Balance Owed : {$460.00} Chargeoff XXXX/XXXX XXXX**** Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXX XXXX**** Balance Owed : {$17000.00} Chargeoff CREDITACPT XXXX**** Balance Owed : {$18000.00} Chargeoff XXXX  XXXX XXXX XXXX**** Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX**** Balance Owed : {$700.00} Collection Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 monetary relief
Consumer complaint received 2021-02-23 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: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX**** Balance Owed : {$460.00} Chargeoff XXXX/XXXX XXXX**** Balance Owed : {$0.00} Chargeoff CONSUMER PORTFOLIO SVC XXXX**** Balance Owed : {$17000.00} Chargeoff XXXX  XXXX**** Balance Owed : {$18000.00} Chargeoff XXXX  XXXX XXXX XXXX**** Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX**** Balance Owed : {$700.00} Collection Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am not able to log into my account since XX/XX/21. Their site is down. I attempt to call them instead but their Customer Services are always busy and I am not able to get it through. They are playing game and holding up my fund. I would ask them to call me to get this problem resolved, there is no way I can get hold of them. I believe they did it on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Problem 1 : I am unable to get a letter confirming my car has been paid off. When I call I am left online pressing buttons and get caught up in a loop. Unable to speak with anyone. 

Problem 2 : Late payment incorrectly reported for XX/XX/2021 and XX/XX/2021. 

Problem 3 : The last statement online is showing that there is still a balance. This is incorrect. I need a statement showing this loan has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US)
State: NM

Complaint narrative:
XX/XX/2021 I received a letter from Allied International Credit Corp stating they are attempting to collect a debt from XXXX for {$910.00}. This debt does not exist. After looking into this, I saw others have received the same notice. I am not contacting XXXX or XXXX because this is fraud and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank banned me for life in 2012 and ever since I can not open an account there. I tried to find out why many times they refused to say. It's 9 years later and I am sure they just made a mistake and I don't think it's fair to anyone to shut down their accounts like that without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been paying for the Credit monitoring service with XXXX since XX/XX/2020, and I havent been able to update my report when XXXX. I called them they tell me to call them back because the system has to make the correction and update, but theres no correction it still doesnt work .There are accounts on TransUnion and XXXX that are not showing on my credit.

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