vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Company : Western Union, Global Operations Contact at WU :  XXXX Date of cancellation by western union : XX/XX/XXXX Tracking # provided by WU : Your tracking number ( XXXX ) is : XXXX Currency Transfer Amount : USD XXXX XXXX rejected 4 times ) Rejected Recipient Name of my currency Transfer : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  of my Rejected Recipient : XXXX Overseas Bank XXXX XXXX XXXX XXXX XXXX I don't understand on what lawful basis my currency transfer is being rejected. I have been a regular and satisfied customer of Western Union since XXXX. Wester Union has never before rejected any transfer I have made. 
It appears that WU took exception to my recipient for some unknown reason.

WU customer agent sought and received additional information from me and my recipient and still they rejected him. 
My intended recipient XXXX XXXX is a friend of mine. I don't know on what lawful basis they rejected my money transfer to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OCMBC, Inc
State: FL

Complaint narrative:
We received a pre-approval from loanstream in XXXX and went into contract to purchase a property. We submitted every piece of information that we could possibly give. Our initial closing was slated to be XX/XX/XXXX. On the Sunday before, they requested information ( at XXXX ). We worked diligently to provide this information and submitted it all on the XXXX ( Monday ) in the morning ( est ). We heard nothing. The closing was delayed until the XXXX. Right before the XXXX, they came back asking for more " information '' ( aka conditions ). The issue is that they were requesting things which we had already provided. The closing was delayed again. Fast forward several days, our contact with the seller expired. We are at risk of losing our deposit for the property. LoanStream continued to blame the broker, however, it was determined through personal phone calls which I made, Loanstream dropped the ball repeatedly. Every time that I called, they told me that the loan was being " finalized '' and in " docs ''. They pulled a bait and switch on the very last day of their contract ( we received their " counter '' on the XXXX and THEIR portion of the contract expired on XX/XX/XXXX ) upping the deposit and interest rate. The reason that they gave to us on the XXXX was " can't verify rent ''. They sent a denial letter stating " inaccurate collateral '' which is absolute lie because the property appraisal ( which they received weeks ago ) was {$400000.00} and we were purchasing the property for {$380000.00}. The denial mentioned nothing about the " rent issue '' that they claimed when they tried to raise the down payment and the interest rate. Because of Loanstream, we are out thousands of dollars and have been under constant financial stress and headache for the past 60 days. I have documents to back up my statements, a timeline of events to prove they are at fault as well as the testimony of the real estate professionals and broker. 

They also pulled my credit 3 times in a 60 day span and charged me {$30.00} every time as well as risked my credit score.

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 2020-01-02 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
Please refer to original case number XXXX. 

M & T guaranteed to remove the incorrect information from my report. I have the letter in which they indicated that they would update all credit bureaus in regards to fixing this issue. 

In XXXX of XXXX, my XXXX XXXX was totaled by a large truck on XXXX. XXXX deemed it as a total loss and paid off my car with the exception of about {$300.00} or so. I advised M & T that I was waiting on the GAP insurance to be processed, but because I kept getting threatening calls, I paid them off. Eventually they sent me the reimbursed amount in XXXX for about {$300.00}. The account was closed with a XXXX balance with a good standing. It was removed from all reports, but I received an alert from XXXX   that it was back on my report. My installment loan was for an account that is identified by the following 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 2020-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CHALLENGE FINANCIAL SERVICES
State: NV

Complaint narrative:
I was in an auto accident. Which my insurance provider had payed my vehicle off. I went back to the same dealership and was told because it was paid off within 6 - 8 months that wasnt enough history for me to get another loan without a down pmnt. Then i was told no XXXX made vehicles because the maintenance on the vehicle if it was to break down would be to expensive to fix under their warranty. So i pick a car. Not the car i wanted but a car. I paid XXXX down. I was paying my payment then fell behind 2 months. But was keeping contact with 2 people there. I asked for an extension and was told ok just pay XXXX i paid XXXX then my account was put in reposession. They reposesed my car. I have XXXX kids. XXXX with XXXX. I was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I WANT TO DISCUSS THE MATTER AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX BANK XXXX XXXX XXXX STILL REMAINS UNDER XXXX AND TRANSUNION, WHEN XXXX WAS ABLE TO GET IS REMOVED. THERE HAVE BEEN SEVERAL ATTEMPTS AT GETTING THIS ACCOUNTS COMPLETELY REMOVED FROM MY REPORTS SINCE I STARTED DISPUTING ON XX/XX/2017. ACCORDING TO THE FCRA IF AN ACCOUNT IS NOT VERIFIABLE ACCURATE, NOR COMPLETE THE ACCOUNT HAS BE REMOVED AS SOON AS POSSIBLE. THIS HAS BEEN ROLLING FOR WAY TOO LONG, AND I FEEL NOTHING HAS BEEN DONE BY XXXX OR TRANSUNION. PLEASE REMOVE THIS NEGATIVE ACCOUNT FROM MY REPORTS, IT'S GETTING IN THE WAY OF ME ACHIEVING MY GOALS.

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 2020-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have been getting garnished from my student loans for the past 2 years. They will not work with me to get a smaller paymt. 
I have applied for XXXX   employee forgiveness I have been a XXXX  employee  in XXXX XXXX/XXXX for over 10 years it will be 13 years in XX/XX/2020. Prior to that I was in XXXX   XXXX  in XXXX for XXXX XXXX XXXX for 4 yrs. 

I feel I qualify for this forgiveness program others at my work have qualified and have never paid any money back to their loans. I have paid over half my loan back by being garnished but paying back money should not matter how it get s paid voluntary or garnishment wise. 
I need help this is not right or just.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I submitted a free credit report request via XXXX  XXXX XXXXXXXX for Experion to provide my once a year report and have not received any information from Experian. I have tried to reach them but am unable to get in touch with anyone by phone.

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 2020-01-02 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 — Card was charged for something you did not purchase with the card
Company: UMB FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Solicited me last year and I accepted a one time one year subscription with them and then three days ago I received a receipt, where they debited my credit card without notification or authorization. 

I tried to contact them and the phone number ( XXXX ) goes to voicemail and no call is returned and the number for XXXX XXXX XXXX XXXX XXXX XXXX ) is disconnected. 

I also tried to email them ( XXXX ) and got a cryptic response with no signature or contact information and no secondary response after I replied. 

Attachments : 1. ) Screen shot of the receipt of them charging my credit card, 2. ) Screen shot of only email response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have a credit card from ALLY bank. I had a credit balance of {$5.00}. I requested a check In the amount of {$5.00} to Ms.XXXX on XXXXXXXX.I also spoke different employees of this bank on different dates regarding this check. So far I did not receive any check. The customer service of this bank was bad. They do not have any respect for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I called Mr. Cooper as the result of receiving an offer letter to improve my current mortgage rates or seek equity credit. During the call, I spoke to a XXXX XXXX, XXXX ( the last name not given ). XXXX assured me he would only do a " soft '' inquiry and I specifically said I did not want any hard inquiries on my credit report. He researched what he could do for me, lowering my mortgage payments, line of equity and we concluded there was no offer I could take advantage of at this time, so we hung up. Two hours later my credit monitoring service reported a " hard inquiry '' hit XXXX   and then XXXX. I confirmed by logging into XXXX and XXXX. The hard inquiries also hit my wife 's ( XXXX ) credit report. I immediately called Mr. Cooper back to speak to XXXX, they transferred me to his extension where I left a message reporting my complaint about the hard inquiry and requested it be removed. I called XXXX 's direct line ( XXXX ) again on XX/XX/XXXX stating the same complaint and request to remove. On XX/XX/XXXX, I called Mr. Cooper and filed a complaint with their customer support department. The hard inquiry is still on my credit report and I have not heard back from Mr. Cooper or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: GA

Complaint narrative:
XXXX XXXX, 2019 I contacted the debt to insure the accuracy.

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 2020-01-02 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: GA

Complaint narrative:
XXXX XXXX, 2019 I contacted the debt to insure the accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: GA

Complaint narrative:
XXXX XXXX, 2019 I contacted the debt to insure the accuracy.

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 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX American Express has hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to collect on my debt of XXXX. 

I am not disputing the amount owed or any interest owed to American express. I have been discussing my account with American Express, and trying to work out a reasonable solution. 

I was receiving many phone calls at work and I did not want to discuss my personal business on the phone. 

XXXX XXXX XXXX did an area search of all my neighbors and reached out to a retired Sheriff and asked them to reach me for a personal business matter - which means to anyone including a Sheriff its a debt collector. This neighbor has nothing to do with my family and should not be exposed to my personal information. 

When I complained to XXXX XXXX XXXX - the response was they will remove the number and add it to a do not call list. They told me it was in my contact list in my American Express Profile. This does not make sense, I never created a contact number in my American Express profile for this neighbor, which does not share our family name. So XXXX XXXX XXXX lied to me knowingly breaking the law on sharing personal information on a US consumer. 

I clearly understand the motive and I understand the job of a debt collector, it is the blatant abuse of a person in debt like me from firms like XXXX XXXX XXXX that must stop. 

The tactic being used is to embarrass and humiliate the debtor to submission. I was always in contact with American Express and I intend to make good on my debt. 

XXXX XXXX XXXX  intentionally contacted my neighbor to create a atmosphere of guilt and shame and purposely reached out to a local law enforcement officer ( Retired ) to make sure I would be compelled to call them and make a deal to pay this debt. 

This is unacceptable and illegal. I have been an American Express Card holder since XXXX and now because of temporary hardship issues I must make a different payment arrangements to make good on this debt. 

American Express is a great company and I want to pay this debt in full, I am sorry that I can not pay the debt today, I just do not want to be ridiculed and embarrassed in my own home town.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened a Wells Fargo Everyday Checking account on XX/XX/2019, and as part of the online account opening, made an opening deposit of {$50.00}. I opened the account on a page that offered a {$400.00} promotion bonus if I received a cumulative monthly total of {$3000.00} or more in direct deposits to the account. 

In XXXX, I received {$3000.00} in direct deposits. In XXXX, {$5700.00}. In XXXX, {$5300.00}. So I should have qualified for the bonus. Wells Fargo did not award the bonus and I called them to resolve this. Wells Fargo argues that they go by statement months and not calendar months. This was not said anywhere on the promotion page ; indeed, the language says " cumulative monthly total of {$3000.00}, '' and to a regular English reader, this means calendar month. Please award the bonus and issue an apology. A picture is attached of the promotion page.

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 2020-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had a XXXX Fico score prior to the payment issue on my account. Throughout the entirety of my loan with 5/3rd bank I paid ahead online using their website. I have been a good paying customer and continue to do so with this company. During the month of XXXX I was notified by XXXX XXXX through their XXXX product that I was going to have a late reported on my credit to my surprise. I looked up the item on the XXXX product and found that it was the 5/3rd auto loan I had on my truck. During this time I received no calls, no statements, no letters, no communication at all from 5/3rd bank causing this to go by with no notice. From working at a banking institution this lack of communication is against federal regulations and resulting in damaging customer financial well being. As soon as I found out I immediately paid 3 months of payments and paid my account ahead again. Due to the lack of communication from this bank this has now damaged my credit causing it to go down to XXXX!!!! I then called the bank and they were also shocked that no communication was turned on from my account. I have had this loan since XX/XX/2016. I am asking that this late be removed from my credit and get my FICO back to good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I'm experiencing ongoing issues from Kia motor finance company. Since XX/XX/XXXX, I've been experiencing acts of dihonesty which include missing payments, having false information reported to the credit reporting agaency, and a phony payment extension. I have sent Kia motor finance and the credit reporting agency all paymetns I made from my bank account and only the credit reporting agaencies updated the correct information regarding my payment history. I've been consistingly back and forth with them to correct my payment information and they consisting harrass me by stating that I'm 3 months behind which is incorrect. In XXXX they offered to put me on a payment extension in which I was informed that this would include the next 3 months without payment but I would be charged a {$25.00} fee for the extension of 3 months. So, I was informed to sign the extension agreement that was emailed to me and I signed it on XX/XX/XXXX and called kia back to informed them it was signed and the representative stated it was fine. Later in XXXX I got a collection call and they stated they never received the extension agreement and I saw the signed agreement in my email verifying my signature. Also, I noticed for the 1st time that the extension was for the past 3 three months ( XXXX, XXXX, XX/XX/XXXX ) and realized I was provided about misleading information about this extension they infomed me about. I attempted to reach out to speak with the Manager and they refused to let me speak with any manager at all. I have been going around in circles with Kia Motor Finance since I had this car with lies and misleading 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 2020-01-02 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: MS

Complaint narrative:
On XX/XX/2019, I disputed some unverified and inaccurate items that i seen on my report with experian. I haven't gotten any paperwork verifying this issue as of yet. please assist me in this matter cause its causing me great grief and stopping me from getting a house

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 2020-01-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX as the result of receiving an offer letter to improve my current mortgage rates or seek equity credit. During the call, I spoke to a XXXX XXXX, XXXX ( the last name not given ). XXXX assured me he would only do a " soft '' inquiry and I specifically said I did not want any hard inquiries on my credit report. He researched what he could do for me, lowering my mortgage payments, line of equity and we concluded there was no offer I could take advantage of at this time, so we hung up. Two hours later my credit monitoring service reported a " hard inquiry '' hit Transunion and then XXXX I confirmed by logging into XXXX and Experian. The hard inquiries also hit my wife 's ( XXXX ) credit report. I immediately called XXXX XXXX back to speak to XXXX, they transferred me to his extension where I left a message reporting my complaint about the hard inquiry and requested it be removed. I called XXXX 's direct line ( XXXX ) again on XX/XX/XXXX stating the same complaint and request to remove. On XX/XX/XXXX, I called XXXX XXXX and filed a complaint with their customer support department. The hard inquiry is still on my credit report and I have not heard back from XXXX XXXX or 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 2020-01-02 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an debt to my account that is in violation of my rights. This debt is paid off a while ago by XXXX and is still reporting a balance to my credit report. I have attached proof that this account is paid off. I need this entire account removed off of my credit, it is paid and is in violation of my rights for a paid debt.

Company response to consumer: Closed with non-monetary relief