vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 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: AZ

Complaint narrative:
Hi Team, I have initiated Transfer to XXXX ( XXXX XXXX  ) on XX/XX/2020 through Western Union and promised to complete the transaction on 2 working days. 

Tracking # ( MTCN  ) : XXXX XXXX XXXX Its been two weeks and receiver bank / account not get received amount so far. 

i have raised complaints on both to XXXX and Western Union regrading issue. 
XXXX confirmed they were not able to track transaction and asked me to get in touch with Western Union. 

I have tried all possible ( Mail / Chat / Phone support ) options by raising 10+ service requests and no valid response / resolution from Western Union . 

Last Message received from Their Chat customer executive : XXXX XXXX XXXX ( XX/XX/2020, XXXX XXXX  ) : I apologize about the problem you had but presently XXXX is facing issues in their Banking system, you can check on the banking new in XXXX for the month of XXXX. 


IF Western Union Partner bank is having issue, how could be responsible for delay Can you please help me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was trying to change/cancel my XXXX XXXX XXXX hotel reservation that I could not make because of CORONV19. ( XXXX closed the entire county ). 
The reservation was made thru Chase SAPPHIRE reserve credit card 3 nights for XXXX XXXX I spent 3 days since XXXX restrict the travel talking to SAPPHIRE reserve credit card customer service representatives.I was not able to get any help and chase SAPPHIRE reserve deny all my asks and did not provided any valuable help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
In coordination with the below mentioned Student Loan Advocate and with the current pandemic I am submitting an additional complaint. This was the e-mail correspondence I initiated once my student loan came out of default. 



XXXX XXXX, XXXX XXXX XXXX XXXX Student Loan Ombudsman Office of Nevada State Treasurer XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Hello and Congratulations on your recent appointment as a Student Loan Advocate. I spoke to you at the beginning of the year about my loan being sent habilitation due to unpaid monthly payment for the past 3 years. XXXX, XXXX,XXXX was approved or IBR payments while XXXX I was in Collections/Rehabilitation for 10 months. 

I was diagnosed with XXXX  in XX/XX/XXXX due to complications with my XXXX XXXX therefore was hospitalized for 10 months. I started the IBR program before I got sick since we were a one income family. I have documentation of all my transactions, payments, history, approvals. Please review attached information in 4 separate e-mails. 

I believe that I was unfairly sent to rehabilitation and now doubling my total amount owed. Can you please review my case for possible refinance back to its original amount while clearing my credit record. Thank You. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent in my paperwork about a collection account that is not mine and Transunion said they didn't receive the dispute when i called them this morning.

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 2020-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Not my accounts reporting

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 2020-03-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Not my accounts reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: NY

Complaint narrative:
Not my accounts reporting

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 2020-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One sends me advertising to re-finance my auto loan to save money. I've gone through their prequalifying process a few times, they always offer me a higher interest rate ( which they are well aware of because they have me click on my current loan that has the rate and payoff balance ) however they continue to insist I will save money by refinancing. When I call them they say " well we save you money by offering a lower monthly paymemt '' but of course they do not explain that you are paying longer on the loan at a higher interest rate, and thus you are paying more over the life of the loan. Their process is intentinally deceptive, and outright lies to consumers in violation of fair lending. They refuse to be honest about the loan costing more, and many times when I call pointing out that the loan is more expensive they tell me I can't do simple math and insist that the loan they are offering will in fact save me money, or if not it's just an estimate so they can't be held accountable for lying to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$900.00} XXXX  XXXX  XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX  XXXX {$890.00} XXXX XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$62000.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$410.00} XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX  XXXX  XXXX XXXX {$23000.00} XXXX  XXXX {$500.00} XXXX XXXX {$900.00} XXXX/XXXX XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXX-XXXX XXXX XXXX {$360.00} XXXX/XXXX  XXXX {$1700.00} 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 2020-03-18 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: AR

Complaint narrative:
This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$890.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$62000.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$410.00} XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX  XXXX  XXXX XXXX {$23000.00} XXXX XXXX {$500.00} XXXX XXXX {$900.00} XXXX/XXXX XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXX-XXXX  XXXX XXXX {$360.00} XXXX/XXXX  XXXX {$1700.00} 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 2020-03-18 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: CA

Complaint narrative:
THERE IS A XX/XX/XXXX XX/XX/XXXXACCOUNT ON MY EXPERIAN CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA WHO THIS ACCOUNT BELONGS TO BUT IT NEEDS TO BE REMOVED FORM MY REPORT. I DID NOT BENEFIT ANYTHING FROM THIS ACCOUNT NOR DID I EVER MAKE ANY PAYMENTS TOWARDS IT.

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 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: ND

Complaint narrative:
I have been getting phone calls from Phoenix Financial Services for a few years about a debt for some person that I do not know. When I have answered the phone, they asked to speak to XXXX ( I never know his last name ). I have told them repeatedly that I do not know this person and that they have the wrong phone number. They have continued to call me regardless of me not knowing the person they are trying to contact. They call me about once a day ( sometimes more ). I usually ignore the calls, but today I received a call at XXXX XXXX. I called the number back because I loathe phone calls before XXXX XXXX. I was hung up on and had to call back to speak to someone to tell them AGAIN that they have the wrong number. I received another call from them at XXXX XXXX. This is 2 calls within 4 hours -- after I JUST told them they had the wrong number. I tried to call the number back ( again ) and they hung up on me multiple times before I could even say a word. Their tactics and multiple hangups are absolutely ridiculous. I can't get anywhere with this company to get them to leave me alone. I have blocked the number they call from, but then they just call from another number. I'm tired of this harassment. I want it to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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 a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2020-03-18 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: UT

Complaint narrative:
XXXX  XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC.
State: AL

Complaint narrative:
I received my 1st letter ever from AFNI Collections on XX/XX/XXXX about an account I owed XXXX XXXX XXXX XXXX. The letter was dated XX/XX/XXXX. In the letter they wanted to offer a settlement and stated I had 30 days to call them to dispute the balance or validate the debt and if I didn't respond it would be placed on my credit report. 
I immediately contacted AFNI Collections. I was told by the representative that it was an account from XX/XX/XXXX that was from a address of XXXX XXXX XXXX XXXX, AL. I told them that I didn't owe XXXX XXXX XXXX anything and I can not even remember the account, but I do know XXXX XXXX XXXX was placed into Chapter XXXX Bankruptcy that was filed on XX/XX/XXXX and was not discharged until XX/XX/XXXX. I informed them that the home was put into Chapter XXXX and all debts for that address was placed into Chapter XXXX. The representative became aggressive and said they just received the account from XXXX XXXX XXXX XX/XX/XXXX. The representative took down my attorney name, XXXX XXXX who was my bankruptcy lawyer at the time, I gave them the information pertaining to my bankruptcy case in which XXXX  shouldve already had. There were violations that have now taken place by AFNI & XXXX XXXX XXXX. I was told by AFNI that they were returning the account back to XXXX XXXX XXXX on XX/XX/XXXX but as of today I received an alert from all 3 credit  bureaus that AFNI has reported this XXXX XXXX XXXX account as a collections of {$1100.00} to my credit report and I just disputed it on XX/XX/XXXX after I received my 1st letter which is not even past 30 days. I called AFNI and complained and the representative tried to refer me back to XXXX XXXX XXXX, but they were the ones who reported it after the fact I informed them I was protected under the Bankruptcy Law. I then asked for a supervisor whose name was XXXX who asked me to email XXXX and to tell my situation. She stated she would request an investigation as to why this was reported to my credit report and it had not even been 30 days. She too confirme that this was the 1st letter that they had sent me, and she wanted to know if their notes show I filed bankruptcy and they were suppose to investigate as of XX/XX/XXXX then why nothing was halted to prevent such measures and why report occurred before 30 days. This should never happen to anyone and AFNI collection tactics are aggressive and they are not following the 30 day law nor bankruptcy law when it comes to collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: BTH Management
State: UT

Complaint narrative:
Plaza Service # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this was in collections and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This is the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX  XXXX  XXXX {$3000.00} XXXX XXXX {$560.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX   XXXX {$520.00} XXXX  XXXX {$120.00} XXXX  XXXX {$82.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$310.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
ERC, a Debt Collection agency has an agreement with me to collect {$50.00} per month to pay a debt I owe. In XXXX on the XXXX they charged me {$50.00} from my bank account and then on the XXXX the same. 
Payments were to be made on or about the XXXX of the month and have been like that since XXXX. In XXXX was charged 2 times by this company. 
Once on XX/XX/XXXX and once on XX/XX/XXXX. 
I have attempted to speak to someone at ERC but have been hung up on numerous times, laughed at, transferred to dead end lines and finally given the presidents number only to find his voice mail full. 
When I called back about this I was to keep calling it till someone picked up. 
They refuse to put me in touch with whoever might be able to help me. 
I am on a shoestring budget as I am XXXX and unable to work, so an extra {$50.00} is kind of a big deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this was in collections and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2020-03-18 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: CCS Financial Services, Inc.
State: UT

Complaint narrative:
Credit Collection # XXXX  is reporting a collection to my credit that should not be on there. I never received any kind of notice for this collection and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
my home is not in flood zone, it is in " x '' zone, my mortgage servicing company is keep taking expansive flood insurance, and adding premium on my monthly mortgage payment, and i can not pay extra money on my monthly payment, and they are keep telling me i am not paying enough to cover the flood insurance, which i do not need, i also provided letter From FEMA for LOMAR letter, they fix in XX/XX/XXXX, and now they started charge in again in XX/XX/XXXX, i have been working with this service for last 12 Months and problem is not resolve, i have complaint on XXXX, and still no fix, please help me soon before i loose my home

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