vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/2020 I transfer {$1200.00} dollar. To XXXX they told the receiver that exceed so they was going to cancelled to transaction to call me to cancelled it and get a refund i call the company and they tell me that i had to wait 48 hour so i wait the 48 hour for the refund which i call again they tell me they need another 24 hours i call the next day they tell me the same every day they always ask for and extra 24 hour today XX/XX/2020 the representative tell to go to the place where i did the transaction so i proceed when i get there i ask representative to call XXXX XXXX because they told me they was going to give me a transaction number after waiting for over a hour the store representative tell me that they still working on it that they not going to give me my money for now that they would get to me when they have spare time to give my refund back the store representative told me that he can't do nothing for me and that i lost my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have dearly ask experian about account on my credit report. This account states it is close/charge off. But while I ask them to investigate and send me info on this account, the account continue to report higher balances, different open dates, and numerous inaccuracies on dates/payments amounts.

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 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: LA

Complaint narrative:
On XX/XX/2020, I received notice from my homeowner 's insurance agent that my homeowner 's policy had not yet been paid and would lapse if not paid in full ahead of the expiration date, XX/XX/XXXX. She also informed me that, were the policy to lapse, I would be unable to obtain the same rate or coverage under a new policy. 

I called my mortgage servicer, Dovenmuehle, that same day to inquire about the issue. A customer service representative said that Dovenmuehle had sent a check to the insurance company already. She said that Dovenmuehle would not send another check until it tracked down the first check to see whether it had been cashed. She said that process, checking on the check, would take five business days. I informed her that the policy would lapse before then and asked her to contact the insurance company to work out the issue. She refused, saying that Dovenmuehle satisfied its only obligation by sending the check and would not do anything more until the results of the inquiry on that check.

Because waiting on Dovenmuehle would have meant the expiration of my insurance policy, I paid the premium myself on XX/XX/XXXX. 

On XX/XX/XXXX, I learned from my insurance agent that Dovenmuehle had sent a bulk check, that is, a check containing premium payments for more than one policy, and that the insurance company did not accept bulk payments. I contacted Dovenmuehle to inquire about obtaining a refund from my escrow account and ensuring that such issues do not take place again. The customer service agent and supervisor informed me that the results of the inquiry on the first check arrived XX/XX/XXXX ( two days after the policy would have expired ). They said that Dovenmuehle should not have done anything different in the situation, that it satisfied its obligation by sending the first check and that it could not have acted further until the results of the check inquiry came back. I reiterated that the policy would have expired had I not intervened. They had no answer for how the company would ensure that this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Attorney for the plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CASE NO XXXX XXXX PayPal Credit account opened in XXXX CLOSED XX/XX/XXXX DUE TO FRAUD Balance owed was {$0.00} on XXXX XXXX Any fraudulent charges after XX/XX/XXXX I AM NOT RESPONSIBLE! 

Dispute filed with XXXX on XX/XX/XXXX File Number XXXX Still under review by XXXX Many of the Paypal accounts were hacked in XXXX - security breach This is NOT my account you are trying to COLLECT. 
DO NOT CONTACT ME ANYMORE in writing or nasty calls to my wife number until this is being investigated REMOVE FROM MY CREDIT REPORTS! 
Company filed complaint with the XXXX COUNTY COURTS CASE NO XXXX XXXX BALANCE OWNED XXXX DOLLARS NOT OWED STOP HARASSING ME AND MY FAMILY ORIGINAL CREDIT REPORT WILL BE PROVIDED UPON REQUEST!

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 2020-04-22 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: NV

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: NV

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-04-22 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: NV

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, THE THIEF HAS OPENED A CRAUDULENT CREDIT CARD WITH STATE FARM BANK USING MY PERSONAL INFORMATION, THE CHARGES ARE FRAUDULENT, THE CREDIT CARD IS FRAUDULENT. I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX  AND TO STTE FARM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: TX

Complaint narrative:
I spoke with XXXX over the phone on XX/XX/XXXX and He informed me the closing cost would be around {$5400.00}. He then sends me 2 estimates that I questions with fees over {$7000.00}. But he kept saying it will come down. 

He told me around 10-10200 all in and it was XXXX and XXXX all in after taxes. I then switched lenders and they refused to sign over the appraisal and he told me it was against the law on XX/XX/XXXX but it was just company policy. 

He also told me I needed to close or FHA would charge a full month interest in my loan and that law was changed in XXXX. 

I have the documents and the emails of me asking him and he simple said it should come down. 

You tell someone zero down you dont come to closing with XXXX and XXXX cash needed to close. 

Very shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Westlake Services, LLC
State: MA

Complaint narrative:
I am having an issue on my credit report. I have reached out to the company ( Westlake Financial Services ) The person that Ive spoken with is very rude and does not want to help me with this issue. He has told me to let it go, move on. Meanwhile they keep reporting that the payments are late every month. I have The receipt I have sent the documentation to XXXX  they agreed that the payment was due XX/XX/XXXX. As of XX/XX/XXXX they are so reporting that I am late and negative remarks. I have disputed this with XXXX  maybe six times now I have tried dealing with Westlake financial and I feel as though they are just doing this now because they are upset at how many times I have disputed it. This was an account that I had cosigned for somebody and was not told that the payments were not being made. I settled with them and paid {$500.00}. The payment total was {$1000.00}. I have tried to call them saying that I would pay the remainder but they said I would not be able to do so because the account was closed. I have no idea what to do now all I know is that this looks terrible on my credit report and I need this to be taken care of for all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I mailed a certified letter asking to validate debt by providing the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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: CA

Complaint narrative:
EQUIFAX is depicting a XXXX, charged off account with what I believe to be inaccurate information in the payment history.The account is saying the date of first delinquency was XXXX.I believe this to be entirely incorrect because my financial implosion was much earlier.I think the XXXX days late began at least 6 months earlier or more because perhaps it was forgiven maybe because ... .. I am a military veteran with an account that was good for seven years which might have seemed to help at the time but does not help now. 
So the inaccurate payment history with the inaccurate date of first delinquency should cause this account to be removed from my EQUIFAX FILE right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP
State: OR

Complaint narrative:
A few months ago I paid down my Key Bank credit card to XXXX. I worked really hard to pay down my CC to XXXX. I am proud of myself for paying down my CC to XXXX. 
Thinking that my CC balance is now XXXX, I did not make a payment one month. Next statement there is a {$20.00} charge from an auto pay from XXXX or XXXX  or something like that that I didnt expect AND a late payment fee of {$39.00}. I called and asked to have the late fee removed ( who knew there would be a minimum payment due on a {$20.00} balance anyway??? ), the person on the phone said I already made a requested to have a late payment fee removed and therefor exceeded all my options to have this fee removed. I paid the {$20.00} charge. Next statement there is a balance of {$39.00} and a late payment fee of {$39.00}. I called the bank band to asked them to remove the fees, or I will cancel my card, which I did because of course they wouldn't. ( and I remember the guy who closed my account saying the account is closed and I had a XXXX balance ). The next statement after that shows a balance of {$80.00} and yet another late payment fee on my now closed account. Now I am threatening to cancel all my accounts with Key bank because I have over {$100.00} of late payment fees for late payments of late payment fees. They still refuse to remove to the fees. I have a very high credit rating, and do not want this fiasco messing that up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2017 I filed bankruptcy and at that time my attorney attempted to get my Texas Home Equity Loan reaffirmed in the same manor in which she had gotten my auto loan reaffirmed. Wells Fargo Bank refused to reaffirm the loan and when I inquired why they refused to do so, they replied to me that my attorney never requested for my loan to be reaffirmed. I have made several attempts to clarify this issue and I have filed several complaints about this issue to the bank and through cfpb and this issue is still unresolved. 
I have been making regular monthly payments ever since the bankruptcy and since Wells Fargo refused to reaffirm the loan, these payments do not show up on any of the three major credit reporting bureaus, and this is severely damaging to my credit score which in turn causes me to be denied credit or to pay a much higher interest rate, which has caused me severe financial and emotional worries.

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 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Caine and Weiner just reported a {$310.00} collection account on my credit report. Prior to the appearance of this collection account on my report, I did not receive a 30 days notice of my right to dispute. If I did, I would have contested this debt, as I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Due to COVID-19 The first call in XXXX -- do not have date. They just wished me luck basically and said they understood..offering no assistance. 
I called again right after the Care Act was signed and they gave a number i tried to call and couldn't get through. Called back three times.

2nd Phone call on XX/XX/XXXX. Phone disconnected several time. Kept calling back. 
I spoke with a representative that said they were putting me through a program for COVID and that they would send me a confirmation. They were waving late fees and interest. It was to my understanding nothing would be reported on credit report during this time. Credit Alerts from XXXX  sent me something stating Citi Double Cash flagged my account 60 days past due. I was unable to pay XXXX and XXXX. I tried to call the company. The automatic system said first it didn't recognize my account. Secondly, when I finally got through that it stated due to unforeseen circumstances they were temporary closed. I have all the documentation stating when I spoke to them concerning my account. I tried to call credit agencies unable to get through. In the meantime, my credit is being ruined due to reduced income. I need someone to investigate this matter. 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 non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I've had issues with this card for awhile. I just need them to work with me I can't afford it. I'm now out of work due to virus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XX/XX/XXXX RE : Erroneous Reporting Please Delete To Whom it May Concern, I am in the process of purchasing a home and I am requesting that you delete or correct the reporting on the listed account below ASAP as it is holding up our home purchase. 

This account should have not gone to collections as the original creditor ( XXXX ) was unable to provide service at my new location and I paid every bill on time every single month for the 5 years I was a client. This account was removed from my credit last year when it was with XXXX  because XXXX was unable to verify the validity of this debt. 

They continue to attempt to fraudulently claim that I owe them money which is why I am initiating a consumer complaint with the CFPB. 

Your urgent attention this matter is requested as it is holding up my purchase. 

Southwest Credit System XXXX Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT MY IDENTITY THEFT REPORT TO EXPERIAN NUMEROUS TIMES, BUT THEY NEVER SEEM TO GET ANYTHING IN THE MAIL OR WHEN YOU UPLOAD, TALKING TO THEIR AGENTS SAY WE HAV ENOT RECEIVED ANYTHING IN THE MAIL IF ITS NOT REACHING TO THEM WHY IS IT NOT COMING BACK TO ME. I HAVE ALSO TRIED TO UPLAOD THEY KEEP TELLING ME ITS NOT REACHING TO THEM, I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, KNOWLEDGE.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Dear CFPB, XX/XX/2020 My Barclay Card ending was stolen and the thief is making numerous expensive charges on the card. I have attempted all day to report the card stolen to the company but they do not answer the phones. 

1. I initially went to my account online to report it stolen with fraudulent charges. Unfortunately, there is nothing online to report it, only a number. 

2. I called their advertised number for stolen cards at XXXX XXXX MDT and waited on hold for 20 minutes. No one answered. 

3. I called other customer service numbers listed and waited similar times with no answer. 

4. I called again to report the card stolen and to report fraudulent charges at XXXX XXXX MDT and waited for 2 hours and 1 minute on hold. 

Barclaycard is placing an impossible burden on its customers to report stolen cards and have fraudulent charges removed. 

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 monetary relief