vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Approximately 2 months ago I went online to attempt to make a payment and got locked out of the account. the system stated that I placed the wrong password in. When I called to try to make the payment over the phone the system asked me to put in my information and then routed me to a que for which I spent hours waiting day after day. One day I finally got an individual who advised me that because my wife is the primary on the account they needed to speak to her to get the account unlocked and make a payment. I explained to him that Due to covid restrictions my wife is international until the borders of XXXX were opened. He advised ( to which i understood ). We have tried to three-way calls and due to the long wait times and international calls it has been incurring large costs to us, we have also had calls dropped. As a result we have not been allowed to make a payment even though we attempted numerous times. It was not until XXXX I called in, put in the credentials requested and i was advised that this is an attempt to collect a debt and was routed to an automatic payment system at which point i made a payment. We have never had a late payment of this kind on our record and it was through no fault of our own that this was not completed. We have attempted several times and incurred high phone bills trying to solve this. Today we are seeing a 30 day late payment record on two credit bureaus which is unfair to us. Kindly assist with removing these negative reporting on our credit report of the primary which is my wife.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX late 30 days somewhere between XX/XX/XXXX and XX/XX/XXXX is incorrect. The charge was unauthorized and I was not properly notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Hi, I transferred my money from XXXX XXXX XXXX to my account in XXXX XXXXXXXX, XXXX on XXXX XX/XX/2021 ( XXXX IST ) thru western union - XXXX number XXXX. ( tracking number ) Today XX/XX/2021, money has not been transferred yet to my XXXX bank account, which is supposed to deposit on XXXX XX/XX/2021. 

I called so many times to westurn union customer care about transaction status, nothing happened, no action or no email, no communication from western union. only case has been raised ( XXXX XXXX XXXX XXXX in western union system. I paid almost 8 time more transaction fee ( approx. {$24.00} ) than usual transaction fee ( {$2.00} ). 

I am really frustrated with western union customer care service, gave different time line to resolve issue, someone say it's take 24hr or it may take 2 month so on & on. 

Please help me to resolve this disputed transaction on priority. I am in need of my money back to my account asap. 

,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, Payment Information : Card Type : Visa Card Number : XXXX Expiration Date : XXXX XXXX XXXX : XXXX Transaction Type : Purchase Payout Information : Today 's Date : XX/XX/2021 Date available in Final Receiver 's Country : XX/XX/2021 Delivery Method : Final Receiver 's bank account Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Transfer Summary : Exchange Rate : XXXX USD = XXXX INR Transfer Amount : XXXX INR Total to Final Receiver : XXXX INR For all transfers, Final Receiver XXXX receive less due to foreign taxes. For transfers to a bank account, XXXX XXXX XXXX also receive less due to fees charged by the XXXX XXXX 's bank. 

You have a right to dispute errors in your transactions. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the XXXX XXXX at XXXX or https : //care.westernunion.com/us/en/ask. You can also contact us for a written explanation of your rights. 

Subject to applicable law, you XXXX cancel for a full refund within XXXX minutes of payment, unless the funds have been picked up or deposited. 

For inquiries or comments, please visit https : //care.westernunion.com/us/en/ask, e-mail XXXX XXXX XXXX XXXX to : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX call : XXXX For questions or complaints about XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX ( TTY/TDD ) www.consumerfinance.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: TX

Complaint narrative:
XXXX XXXX late 30 days somewhere between XX/XX/XXXX and XX/XX/XXXX is incorrect. The charge was unauthorized and I was not properly notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX late 30 days somewhere between XX/XX/XXXX and XX/XX/XXXX is incorrect. The charge was unauthorized and I was not properly notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company showed up on my credit reports and I have no business with them. I hired a company for credit repair services by the name of XXXX and credit repair to service my account. They stated they could not discuss my account with them without my signed signature. I refuse to sign anything and give it to this company I have no business with, other than the fact they are on my credit reports. A debt validation letter was sent to them via certified mail, they failed to provide the necessary information and instead of sending the information that was asked for, they sent a letter that makes absolutely no sense and does not answer all the questions on the original request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Netspend Corporation
State: FL

Complaint narrative:
I have tried on multiple occasions to close my XXXX XXXX XXXX account. I was told that I would receive a refund check within 10 days over 2 weeks ago. I have not gotten a refund yet and so I called them back today. I have spent almost 2 hours trying to get my money refunded back to be and the account closed. They are telling me that I need to sign a letter of indemnification with them or they can't give me my money back. I am NOT indemnifying a company that has already lied to me once. And why should I have to indemnify a company to have my account closed and my balance refunded? If this isn't criminal behavior, it should be!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Pursuant to Title 15 Chapter XXXX XXXX XXXX XXXX has committed individual actions against me beginning in 2018. They also involved a 3rd partly, NCB Management, who also violated Title 15 Chapter XXXX. Both companies have committed Criminal and Civil actions of willful non compliance and negligence. Both have infringed on my name that is protected by copyright laws and my right to privacy. I have sent both organizations Notice of Fault letters along with invoices itemizing each violation under Title 15 Chapter XXXX. Both refuse to uphold the law that relates to their individual actions and both have yet to settle this matter. Moreover, XXXX XXXX XXXX has only removed the account in question from 2 credit reporting agencies. They continue to defame my character and cause injury to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to Title 15 Chapter XXXX, XXXX XXXX XXXX has committed individual actions against me beginning in 2018. They also involved a 3rd partly, XXXX XXXX, who also violated Title 15 Chapter XXXX. Both companies have committed Criminal and Civil actions of willful non compliance and negligence. Both have infringed on my name that is protected by copyright laws and my right to privacy. I have sent both organizations Notice of Fault letters along with invoices itemizing each violation under Title 15 Chapter XXXX. Both refuse to uphold the law that relates to their individual actions and both have yet to settle this matter. Moreover, XXXX XXXX XXXX has only removed the account in question from 2 credit reporting agencies. They continue to defame my character and cause injury to me and my family.

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 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: VA

Complaint narrative:
I have received numerous collection attempts since XX/XX/2013, of a medical bill by FBCS , Inc. that doesn't belong to me. When I asked FBCS , Inc. to validate this debt, they go silent for several years and then resend statements demanding payment for the same unvalidated medical bill. I have reached out to the original creditor ( XXXX XXXX ) listed on the statement and they can not validate this medical bill either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PAYPAL CLOSE LOCK MY ACCOUNT PERMANENT AFTER REQUEST HELP FOR WITHDRAW MY MONEY. 

NOW I CANT USE PAYPAL, THIS COMPANY IS STILL FROZED MONEY FOR PEOPLE AND THEY JUST TALK ABOUT RISK BUT NEVER SPECIFIC THE RISK. 

this is XXXX  company i feel i want this company one day should pay people for the arbitration decision and stole money to the user, if sombody paid me, and them i call for request my withdrwa why the respond blocking me permanent. 

i see in internet many people has same problem XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My Equifax report does not contain a XXXX  XXXX XXXX credit card account on which I have been a co-account holder with my husband for several years. This is causing my credit score to be lower than it should because this is our main credit account. It is reported correctly to XXXX and XXXX. XXXX  XXXX XXXX reports to me that they have contacted Equifax on four occasions regarding this without response : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without a response from Equifax. I have made several phone calls between companies and am unable to get this issue resolved. XXXX  XXXX XXXX refuses to give me documentation of these contact dates in writing. They also refused to speak with the Equifax representatives on a conference call with me to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
This account XXXX was charge-off paid off and closed from XXXX XXXX in XX/XX/XXXX, showing on my generated report date XX/XX/XXXX The company has harass me and oppress me causing damage to my credit continued attempts to collect debt not owed. XXXX XXXX keep reporting a paid off account on my credit report balance XXXX updated XX/XX/XXXX The payment history in the validation letter show proof I made a payment on time for {$360.00} date XX/XX/XXXX through XXXX XXXX the due date is the XXXX of every month and XXXX XXXX mailed notice attempt to collect XXXX not owed. Copy of payment notice date XX/XX/XXXX. The XXXX XXXX XXXX account number is incorrect on my XXXX Credit report also the account # showing XXXX The validation account letter # is XXXX. Pacific Credit Exchange with report number # : XXXX send copys of contract and payment history from XXXX XXXX show no proof I owe the debt there was no notice of right to dispute this debt the validation was not verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: TX

Complaint narrative:
This account does not belong to me, please remove according to 15 USC 1681c-2

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 2021-10-28 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I'm attaching this to add to the complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: AZ

Complaint narrative:
In 2006 I asked my cousin to open an account using an endowment check issued to me from the XXXX  XXXX XXXX. I was unable to get to the bank myself and the XXXX XXXX  XXXX XXXX advised my cousin that the only way for her to deposit the check would be to open a joint account with herself as the primary account holder. About a week later, after the check had cleared I called to find out if they needed additional information from me. They subsequently closed the account because I was not present to verify my identity with government issued identification. The bank sent the account balance in the form of a check to my cousin because she was the only address they had on file. There were zero withdrawals and only one deposit of a check made out to me and I feel they essentially laundered the money to my cousin and now she refuses to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: FL

Complaint narrative:
Im getting nervous I dont understand what to do. I never seen these account before. I believe someone knows my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: FL

Complaint narrative:
Im getting nervous I dont understand what to do. I never seen these account before. I believe someone knows my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Im a XXXX XXXX who is XXXX  and on XXXX. I was XXXX for extra money to be able to pay my car loan and due to the pandemic she chose to take her child elsewhere. I have tried working with my auto loan financial company who does not refinance, and they just want to break up the past due amount and add it to the current payment amount. I can not even make the current payment amount Im three months behind XXXX XXXX XXXX now coming up XX/XX/XXXX of next payment is due they wont lower my payments they wont lower the interest rate theyve already extended it two times to the end of the loan. I need my vehicle to get my kids back-and-forth to school I dont really want to turn it in to Capital One but I cant afford the payment any longer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have a freeze on my Transunion account and have been unable to unfreeze it despite multiple attempts. I was given the run-around from their phone support. I have my login and password and was asked to submit a verification code but the code was never sent to my email and it locked me out. I then spoke with an agent by phone and was again told I would be sent a temporary code or password that would help me login, but was not successful. I finally called XXXX and was able to get it unlocked. 

I have been the subject of identity theft in the past and am very sensitive to preventing this from happening again. The credit reporting agencies, especially Transunion, provide very poor service and create headaches for people. My credit score is excellent ( XXXX ) and I should not have to go through these headaches just to ensure my credit report is accurate and my identity is not stolen. 

I would like for disciplinary action taken against Transunion.

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