vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-03 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: MA

Complaint narrative:
I have done the money transfer by using Western Union on XX/XX/XXXX at XXXX XXXX EDT. WU have promised me that within 5 minutes I will get the call from validation department & after that my brother can collect the money in XXXX. Their validation department has not called me until now ( XX/XX/XXXX-XXXX XXXX EDT ). Because of their false promise, my family has a tough time in XXXX & I also had a sleepless night. My family was looking for money urgently. I had made several calls to them during the last 14 hours. They are saying same line again & again that I will be receiving a call from their backend ( Validation ) team. They have not kept their promise & now Im asking them to cancel this transaction then also they are repeating same line that I will be receiving call from their backend ( Validation ) team ASAP, this time they have added another word to the line that I will be receiving a call in next 24 hours instead of 5 minutes. 

I am paying transfer fee & they also earning from dollar exchange rate on their terms & still they are not doing what they are supposed to do. I do not have any idea how they can streamline this process & stop doing false promises. My hard earned money is on no man zone & you know the importance of money at right time for personal usage. 

Im looking for your help so that Western Union will return my money & should start respecting the consumer time & needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 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:
I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XX/XX/XXXX and the funds for the vehicle were cashed in XX/XX/XXXX and the remaining balance was sent and cashed by the company on XX/XX/XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XX/XX/XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Premium Credit Bureau
State: GA

Complaint narrative:
I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by Premium CB XXXX XXXX XXXX XXXX XXXX FL, XXXX on XXXX XXXX, 2016. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into ( insert name of creditor ) inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
My mother and I jointly obtained a loan from XXXX XXXX XXXX Mortgage on XXXX/XXXX/XXXX in the amount of {$6100.00}. I stopped by their office and the lady was very rude stating " It left my office this morning and I could not offer life insurance on your mother ''. She kept my mothers XXXX certificate although she said she could not offer my mother life insurance for this loan. I think that was age discrimination and a joint account means two incomes had to be provided plus my mother putting her car up for collateral. I do not think this company is treating me fairly and they keep reporting to my credit bureaus. My mothers car is available and she should have been offered life insurance on this loan. I am XXXX and only draw a little over {$800.00} dollars that is why they had to have two incomes and collateral. They have had my mother sign contradicting letters and it seems that they twist things around to make them look good and collect the money. The pay off on this loan is over {$10000.00} with the interest. That is more than I make in a year. Can you please help me deal with this company that has cheated and twisted things around so much? Thank you very much and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schreiber Law LLC
State: MA

Complaint narrative:
On XXXX XXXX, 2017 I received a letter from Schreiber/Cohen, LLC which I will attach. This letter is a notice of a debt collection for their client, XXXX XXXX, XXXX. The original creditor being XXXX , XXXX . 
I have never in my life even heard of XXXX XXXX. I have never in my life acquired debt from XXXX. 
I went online and read the long history of problems and deceitful practices by both Schreiber/Cohen,  LLC and XXXX XXXX. 

I think it is disgusting that this can happen to someone. I am in the process of going through a mortgage and if anything happens to disrupt this process I do n't know what I will do. I am SO upset about this. 

I had a recent problem with XXXX XXXX and their reporting of a debt, and the CFPB really helped me a lot. XXXX ultimately admitted the error and I would have never been able to do that on my own ... I tried, having spent hours on the phone. 

I am frankly fearful to even call this Schreiber/Cohen, LLC company after reading the stories about them online. I work full-time as a single parent and am in the midst of moving and I do n't have time to do what I did with XXXX. 
I responded in writing to Schreiber/Cohen within the 30 days they state that I need to do before the debt is then assumed to be " valid '' ... .seriously?? 

Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX card by Citi no longer provides return envelope for paying your credit card bill. It is the only credit card company that I know of that refuses to send envelopes for payment. They stated it is part of cost-cutting initiative. Consumers should be protected from company policies that most likely will result in consumers paying late fees or finance charges. The risk of that is higher because Citi policy makes it harder and more cumbersome to pay your bill. They say consumers have different options to pay bill ( I.e. By phone ) - this creates a higher probability that consumers fail to pay on time due to failure to remember to call on time. Most check writers belong to older population. Protect the seniors of our community from major credit card companies such as Citi.

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 2017-09-03 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: AZ

Complaint narrative:
I received a debit visa card for a wells fargo checking account. I do n't have a wells fargo checking account.

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 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by COAF Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, 2016. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into COAF Finance inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XXXX XXXX XXXX and the funds for the vehicle were cashed in XXXX and the remaining balance was sent and cashed by the company on XXXX XXXX, XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
On XXXX XXXX, XXXX I received a letter from XXXX/XXXX, XXXX which I will attach. This letter is a notice of a debt collection for their client, Midland Funding, LLC. The original creditor being XXXX , XXXX XXXX 
I have never in my life even heard of Midland Funding. I have never in my life acquired debt from XXXX. 
I went online and read the long history of problems and deceitful practices by both XXXX, XXXX and Midland Funding. 

I think it is disgusting that this can happen to someone. I am in the process of going through a mortgage and if anything happens to disrupt this process I do n't know what I will do. I am SO upset about this. 

I had a recent problem with XXXX XXXX and their reporting of a debt, and the CFPB really helped me a lot. XXXX ultimately admitted the error and I would have never been able to do that on my own ... I tried, having spent hours on the phone. 

I am frankly fearful to even call this XXXX  XXXX company after reading the stories about them online. I work full-time as a single parent and am in the midst of moving and I do n't have time to do what I did with XXXX. 
I responded in writing to XXXX within the 30 days they state that I need to do before the debt is then assumed to be " valid '' ... .seriously?? 

Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 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: MI

Complaint narrative:
My name is incorrect. There is an added name that is n't mine.

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 2017-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
This provider rendered services while I was in XXXX XXXX Hospital. XXXX XXXX Hospital accepted the no fault assignment at the time of my treatment and has been paid in full to the present. I was receiving invoices for medical services provided that were a direct result of a motor vehicle accident. I told the billing department on several occasions that by accepting the no fault assignment neither I nor my personal insurance company can be held responsible for any bills as per regulation 83 of the NYS no fault law. ( LINK to Reg 83 : http : //www.dfs.ny.gov/consumer/faqs/faqs_reg83_nffeesch.htm ). I gave this link to the billing department and all of the information from the no fault insurance carrier to aid in their quest for payment. Still, unrelentingly, I was sent a statement every month asking for payment. I finally told the representative to stop calling and harassing me.
On a whim one day, I visited XXXX XXXX to find that the company had post 2 negative marks against my credit. That is not only wrong but ILLEGAL to seek compensation for medical bills that are no fault. I also believe the 2 negative marks were for one incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Hung up on by lender. 

My wife and I are both listed on this auto loan - her credit report shows no late payments, mine is flagged with late payments. I 's the same loan. The loan is now paid off and I 'm still getting hit with late payment notices. 

My suspicions are some one is in the background playing around with this account because of who we are. We paid the loan off on XX/XX/XXXX, cleared on XX/XX/XXXX. As you can see I am still getting flagged with late payments. 
And as of XX/XX/XXXX we are still waiting for the title. 

The lender is XXXX XXXX XXXX. This institution has thrashed 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
Consumer complaint received 2017-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I wrote a letter to FDIC which was forwarded to your Bureau. I was promised that you would let me know the companies response but you failed to do this. I called someone in your Bureau who told me she would sent me a hard copy of the companies response but it never arrived. Further you closed my Complaint file without ever responding to my request for the companies response. So far there is no resolution to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have significant concerns about Best Buy offering what this consumer perceives is a way to make consumers accept an annual credit card for a fee, when in fact, the consumer is eligible for their platinum credit card at no fee.. An initial letter was written to Best Buy who forwarded the letter to Citi Bank who apparently is the credit card company providing services for Best Buy. Their letter did not answer my questions to my satisfaction and they claim that they do not have to disclose why I was denied because of their proprietary credit card scoring. I have subsequently written the CEO of Citi Bank inquiring why a consumer with a > XXXX score, > 19 years of XXXX XXXX XXXX, > XXXX annual salary and over 1.4 million in net assets does not qualify for a Platinum Best Buy card. I advised him that it was very suspect that they would offer me a different credit card at an annual fee and concerns that this is a system wide policy which would be quite beneficial to the corporation at {$50.00} per individual.

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 2017-09-03 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: MI

Complaint narrative:
My name is incorrect. There is an added name that is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XX/XX/XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.

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 2017-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Speedy Cash took money from my XXXX XXXX debit card without my authorization. I receive my social security SSI payments in the amount of {$730.00} on this card on the XXXX of each month. On XXXX XXXX my card was debited by Speedy Cash for the amount of {$520.00}. When I called them they stated that my account was past due ( beginning XXXX XXXX ) and that it had gone into collections. I informed them that I had not been contacted by them or the third party debt collector. I also informed them that when I had a payday loan with Speedy Cash in the past that I was told the only way to make payment was to come into their office because they were not authorized to charge my debit card without me being present. I was told that they had the right to take money from my account. They also said that there was nothing they could do because the third party collector was involved. They gave me the phone number for that company. When I called, the representative told me that they were not involved in collecting on this account any longer because Speedy Cash had taken the loan back. I am confused by the back and forth. Now, I am in a horrible position. My account was basically drained which leaves me with no money for the entire month. No money for rent, utilities, doctor visit, or prescriptions. I am XXXX and have no idea what I am going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Our original Loan was XXXX after a couple of years of going back and forth and holding the Mod for a number of unfounded excuses they finally agreed to the DOJ/Mod but before anything could be done XXXX Transferred my loan to SPS on XX/XX/XXXX after a few months of the same with SPS we were finally sent a DOJ/Mod approval on XX/XX/XXXX we made our 1st initial trial payment and noticed that the amount of salary that was used to calculate my salary was wrong at more than double my true salary on XX/XX/XXXX we wrote to SPS and advised them of the issue the SPS rep assured me that i had the wright to dispute but to not stop making the other 2 trial payments after about 2 moths after I paid the final trial payment I was told the investigation was complete and it was correct under the advisement of the SPS rep I was told that I could simply refuse the DOJ/Mod and start a new one since I could not accept the first one because if I had accepted this I would be committing perjury and Fraud a my salary has never been {$10000.00} monthly. on XX/XX/XXXX I sent in my XX/XX/XXXX XXXX XXXX XXXX and on XX/XX/XXXX I called SPS and was told once more by the SPS Rep that if I did not agree I could dispute this once more on XX/XX/XXXX I received a letter to inform me that since on XX/XX/XXXX I did not agree then I could not qualify for the DOJ/Mod principal forgiveness program, I received foreclosure documents and my Lawyer has been able to stop the sale twice but I just find this very fishy that I was approved at a higher salary which was not true but at the corrected one I did not qualify for, I believe this is Fraud and it needs to be investigated to prevent this company to do this to anyone else even if I have to loose it all I will keep voicing my right as I did everything that was asked of me.

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