vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: UT

Complaint narrative:
I have been using Western union for 3 years to help my family financially in XXXX. So far, I have n't had any problems, but unfortunately when the problem came it came big. I sent XXXX dollars to my sister yesterday ( X/XX/2018 ), the money was to pay for my mom 's utilities. This morning my sister went to the bank to get the money, same bank she always does, then she called me saying she was at the bank and they told her that the operator was telling her that the transaction was canceled by me. they gave her a receipt showing the status. I checked in my WU account and showed her that the transaction was not canceled. She showed the bank operator and he said : while the status is as canceled here i can not do anything. There is one thing really important to know about WU system, once the bank operator types the tracking number to check anything, the system automatic sends me an email saying that the money was picked up by the receiver and also registers it as delivered, but the money actually was n't delivered. So when I called WU to tell them what happened and ask for help they told me the money was delivered. I said that was n't, explained everything to them and now they want to open an investigation that will take 20 days. Super Fair huh, my mom does n't get the money, i do n't get the money back, but instead they keep the money. I am super frustrated with the situation, last month i sent a total of XXXX XXXX XXXXo XXXX, imagine if this has happened? I just ca n't trust them anymore. One of the girl on the phone told me that the money was picked up in a XXXX, that is in a state that I do n't know anyone there. so was fraud, I asked her and she refused to give me information. So I would like to end saying that : 1- their operators speak terrible English, I literally cried on the phone because I just could n't understand what they were saying and they refused to get someone on the line that could speak the language. 2- They need to change their system, what kind of system that complete the transaction registering that the money was delivered when it was n't? When they bank types the tracking order, he is just checking what is in there and not delivering the money, after entering the tracking number then comes the questions to know if the person is there trying to get the money is the real one, then he needs to check the status of the money, if it is already available etc ... They have to fix that and get the system only register the delivery when the receiver has the money in hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I made a recurring payment of {$100.00} to my XXXX XXXX XXXX Credit Card to satisfy my payment due on XX/XX/XXXX. However, the minimum payment amount was actually {$100.00}. I failed to realized that my payment amount had increased after a recent purchase. In late XXXX I received a collection notice stating my account was past due. I called the collections department to confirm they had received my XXXX payment that cleared my bank account two weeks prior to the due date. I was informed of the payment shortage and acknowledged that I failed to adjust my monthly recurring payment after a recent purchase that increased my balance. I stated that I would make a one off payment immediately to bring the account current ( a {$30.00} payment posted to my credit card account on XX/XX/XXXX ). I asked the representative to reverse the {$27.00} late fee as a one time customer service gesture. The representative agreed. On XX/XX/XXXX I logged in to my online account to check the balance for a promotional financing offer that I knew was expiring soon. At that time I noticed that there had been no adjustment made for the {$27.00} late fee that was assessed on XX/XX/XXXX. On XX/XX/XXXX I called customer service to explain the issue and spoke to three different representatives who stated that there was not record of a promise to waive the fee and furthermore they would not be able to reverse the fee. I even requested to have the fee reversed on sheer principle since I 've been a long term customer, have never been late and always pay my promotional financing in full before they expire ; all separate from the fact it 's quite egregious to charge {$27.00} for a {$7.00} partial payment shortage. I was finally transferred to a resolution analyst who stated someone would review and get back to me before XX/XX/XXXX. At this rate, the expense that they 've incurred via several phone calls that were each in excess of 10 minutes and the value of time I 've personally spent - far more than {$27.00} has been exhausted. This issue could have been easily resolved and I 'd be a happy customer with the first call, I 'm ok with the oversight and the need to make a second call but at this point the lack of service is unacceptable.

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 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Upon return of our vacation, we logged into our Chase account to find that Chase charged us 8 seperate overdraft fee 's of {$34.00} each over the course of 24 hours. Not once, were my husband or I notified that we had overdrafted our account. Not once. EIGHT {$34.00} charges on our account and not one notification. Upon contacting Chase, I was transferred multiple times and the only response was that they could only refund 3 of the overdrafts and not all 8 that they had charged. Leaving me with a {$170.00} fee because Chase did not notify me of the overdraft charges when the occured. On top of this, I am signed up to recieve notifications for this account and if it reaches below a certain balance. Chase states that they notified my when they did not. I offered them my phone records from XXXX so they could see that these alerts were never recieved. Chase still refused to care and said they can only refund 3 of them and that no one in their company could refund me more than three of the overdraft fees. No one. As a XXXX XXXX myself, I know that statement is ludicrous. 

I have been a loyal customer of Chase Bank for over a decade with multiple business accounts, checking accounts savings accounts and credit cards. The representatives have been rude and condescending towards my requests and I beleive I have enough reasoning to be refunded the {$170.00} that they charged me on my account without any notifications, despite them admitting that I was in fact signed up to receive account notifcations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My payments have been deferred since day one on my student loans due to my family size versus my income. My loan payments have been reported late after I have completed all necessary paperwork and mailed it to the correct places. The first loan payment I have every made was this month XXXX. Before this date I have always been deferred on all of my student loan payments. One credit company removed all late payment from my report just recently after I filled a complaint. I filled the same complaint with Transunion and they did not remove the late payment. I could have never been late when all have been deferred for the life of the loan. This has cost me thousands in interest fees on other loans due to them reporting me late. Please remove all late payments from my report on all student loans since they could have never been late based on all loans being deferred for the entire life of the loan until XXXX. As of XXXX I started making income based payments on my student loans since I now make enough money versus my family size to do so.

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 2018-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Good Afternoon, I have a private loan with Navient called the Bar Study. I requested instructions on how to make extra payments towards the principal amount. I received instructions on how to accomplish this task. I paid extra according to their instructions and when I reviewed my account the money went solely to interest. I again emailed them and then was told that I could not may payments with special instructions to the principal amount. I believe Navient is purposely trying to keep customers from paying off their loans early.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Transunion to resolved unauthorized inquires showing on my credit report. I called and spoke to US representative by the name of XXXX. Ive recently checked my credit report and noticed many inquires that were removed during a breach in XX/XX/XXXX- XX/XX/XXXX were reinserted. I DID NOT receive a written 5 day notice informing me about the breach or Transunion reinserting the inquires. This is a violation of the FCFA. Transunion can not continue to violate my rights. 

Transunion are in violation of fdcpa 805. Communication in connection with the consumer generally Without the prior consent of the consumer given directly to the Debt collector or the Express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Plus I had already had a fraud alert on my account which was just added back, but they still refused to remove the inaccurate 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 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I mailed a letter to Transunion and they received it XXXX XXXX, 2017. I sent in a letter requesting TRANSUNION not the creditors, to verify specific accounts that are listed on my credit report. I clearly understand that the FCRA requires Credit Bureaus to provide all documents stored on file that were used to verify the information that is being reported on me when requested. XXXX is disputing the with the creditors I listed in my letter. However, this is NOT what I requested Transunion to do. This letter has nothing to do with the creditors.  I am specifically asking Transunion to provide me with proof of these accounts, written contracts or any information to validate the debt, they responded saying they do not have that information. Therefore, the listed accounts are unverified. I am fully prepared to take legal action in order to protect my rights under the FCRA. I am requesting the unverified accounts be deleted immediately under FCRA section 609.§ 609.  Disclosures to consumers (a)  INFORMATION ON FILE; SOURCES; REPORT RECIPIENTS.--Every consumer reporting agency shall, upon request; and subject to section 610(a)(1), clearly and accurately disclose to the consumer: (1)  All information in the consumer's file at the time of the request*I also sent Transunion a photo copy of my Drivers License and SS card*

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 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Since I have submitted numerous disputes, since this is a paid collection that keep being refused to be removed from my credit report, as I have made the PAYMENT IN FULL for my XXXX XXXX account ending in XXXX. Transunion still has the payment status reporting as " in collectiosns/charge off. THIS ACCOUUNT IS CURRENTLY NOT IN COLLECECTION, THIS ACCOUNT HAS BEEN PAID, SO THERE FOR THE PAYMENT STATUS SHOULD REFLECT ACCORDINGLY. I WOULD LIKE TO SEE THE PAYMENT STATUS AS EITHER PAID CHARGE OFF, PAID AS AGREED. 

PLEASE AND THANK YOU

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 2018-01-12 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: U.S. BANCORP
State: ND

Complaint narrative:
Called Customer Service representative and they stated I have a XXXX credit limit. I was incorrectly informed and the actual credit limit was XXXX. I had unknowingly gone over my credit limit several times and never had any issues or high minimum balances or delinquencies until XXXX XXXX. 

I made 4 on-time payments ( XXXX for XXXX, XXXX for XXXX, XXXX for XXXX, XXXX for XXXX ) which was putting my account balance below the credit limit. I got a call from collections stating I was past due on my accounts for XXXX XXXX and XXXX XXXX. I had explained I had made multiple payments on the account for those months on time so they should n't be past due. The representative stated that even though I was making payments and my balance amt was below the limit I was n't making the full minimum payment and thus they were charging me with being delinquent on my account. Upon this knowledge I rectified the situation immediately and paid beyond the minimum payment even though my account was below the credit limit just to stop the delinquent status and it has been in good standing since. As a result they are reporting to credit agencies that I had be delinquent payments for XXXX XXXX and XXXX XXXX. I have tried to call customer service several times and told I needed to send a dispute letter ( which I have sent 3 letters XXXX XXXX, XXXX XXXX and XXXX XXXX to the XXXX XXXX office. I have never gotten a response back despite the customer service representative telling me they needed to respond in 30 days.. My last call was XXXX asking to speak with an actual person to resolve this and was told to send another letter ( Which I have sent once again on XXXX/XXXX/XXXX ). At this point I need further assistance or a live contact within the company to be able to assist with this issue.

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 2018-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had fraud on my account. Capital one did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( XXXX and XXXX ) and my score has dropped drastically .This needs to be fix asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: IL

Complaint narrative:
I had fraud on my account. XXXX XXXX did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( Transunion and XXXX ) and my score has dropped drastically .This needs to be fix asap

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 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
do not recognize this collection company, and not aware of any public service bill owed. I have called the company but no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
In XXXX I was attending XXXX XXXX of XXXX XXXX. I had to take withdraw because of high risk XXXX and had daughter at XXXX weeks. I had been hospital bedridden since XX/XX/XXXX. 

Then they said I owed even though it was a medical emergency. Later they kept saying it was in forbearance until last year at tax time they took my whole refund causing financial hardships and making it difficult with credit scores, trying to get back into school etc. It seems the amounts change so drastically even when I made the payment required from my tax refund. This has so much strain on myself and my XXXX child who is XXXX. It 's too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I wired {$20000.00} to XXXX with no errors and included the accurate Recipient Instructions/Message number on XX/XX/XXXX. The wire was initiated same-day ( was informed it would be deposited same day ). After two days still had not received a deposit and reached out to XXXX message support form for assistance with a detailed PDF including the Federal Reference Number, Bank Reference Number, etc. After a couple days called the Coinbasewires number and XXXX XXXX, but unable to get ahold of anyone. On XX/XX/XXXX after seven days of no XXXX  response, I requested a wire reversal from my bank. 

I reached out to my bank on XX/XX/XXXX, and was informed my bank is still waiting for the reversal to initiate from XXXX XXXX, i.e., CoinBase, Inc. bank. I have sent another message to the XXXX support group. But unable to get ahold of anybody. 

Case ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: SC

Complaint narrative:
Hello, my name is XXXX XXXX. And I 'm a little concerned about this incorrect information that is inaccurate on my Transunion credit report. There is a collection on my report owned by XXXX XXXX XXXX in the amount of {$1500.00}. First, I have no contract or anything bearing my signature that would make me responsible for this debt as my contract was not with XXXX XXXX XXXX. Second, back in the beginning of XX/XX/XXXX the information was n't listed on my report, but was reinserted towards the end of XX/XX/XXXX. How is this okay? Also, the amount listed is incorrect. I have reached out to Transunion to correct the information, but they have not been very helpful. With all of the recent data breaches and such with these different credit reporting agencies. It 's very important for me as a consumer to have accurate information listed. I 'm hoping that the CFPB can resolve this issue for me and have the incorrect information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
I contacted Tidewater in response to a billing statement dated XX/XX/XXXX. The statement indicates a past due payment of XXXX, and a payment of XXXX due XX/XX/XXXX. The total due is XXXX I contacted Tidewater in XXXX to process a payment deferral. The deferral was approved bringing the account current after I was required to pay XXXX in interest to obtain the deferral. I was advised my next payment would be dueXX/XX/XXXX for XXXX and the account is current. Tidewater now claims that there were 2 returned payments on my account from XX/XX/XXXX and XX/XX/XXXX. As a result NSF fees of XXXX each were added to my bill as well as two XXXX payment convenience fees. My bank records do not reflect payments returned. Further, my XX/XX/XXXXand XXXX bills make no mention of these returned payments. 

Tidewater violated the FDCPA by adding these alleged NSFs to my bill AFTER I agreed to a deferrment and paid XXXX in interest. Tidewaters business practices clearly are intended to take advantage of a consumer who is simply trying to work with them and bring the account current. Further in recorded calls, their agents can be heard advising me that the billing statements are wrong and the account is current. They only changed their position on this matter after I pressured the associate and questioned the legitimacy of their statements. 
Tidewater has demonstrated they intend to " bait and switch '' theit customers in instances like this while charging fees to make further profit off of consumers who have fallen on hard times.

Company response to consumer: Closed with explanation