vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
On XX/XX/2022, at XXXX XXXX XXXXXXXX, I made a transaction for a money transfer to my XXXX  in XXXX XXXX ( XXXX XXXX ). The transaction time in XXXX XXXX was very XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was expecting my son to pick up the money the next day. However, my XXXX XXXX XXXX  and I could not make it. It is only on XX/XX/2022, that my son went to a MoneyGram agency located in the XXXX XXXX neighborhood. 
The agent told him that the ID he had was not valid. He came the next day on XX/XX/2022, with his passport this time. But the process was again denied. My son was told that the passport was about to expire in XXXX months, and the passport was not used to travel elsewhere. Therefore, the transaction was not pursued. Consequently, my son called me to change the receiver 's name and put his brother 's name. 
I went to MoneyGram 's XXXX to change the name. I was surprised to read that the transaction was successfully made. I was worried because I did not receive a text message informing me of the completion of the transfer. 

I called MoneyGram to check the status of the transaction. MoneyGram confirmed that the transfer was made on XX/XX/XXXX, XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
When I contacted the company, the company agent filed a complaint on my behalf without telling me that it will take time. After several calls. I decided to XXXX  your assistance to get my money back. 
The complaint case number provided by the company is XXXX The transfer amount is {$500.00} USD plus a transfer fee of {$9.00} USD The reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Someone used my name, information to for utility bill. The amount is {$310.00}. The date due was XXXX XXXX. XXXX is the utility company that was used in Michigan. The company sent what is owed to Penn Credit Corporation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/XXXX XXXX Barclays Bank AA Advantage Red card was applied for and approved in my name - ending in XXXX. On XX/XX/XXXX a request was made to add an additional user to the card. 

XXXX received notices on XX/XX/XXXX of a new trade/account was on our credit report by XXXX I have contacted both XXXX and Barclays Bank on the fraudulent activity

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 2022-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-15 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: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
It's sad I have to ask for your help as nelnet allegedly accused me of filing identity theft for student loan balance when I took the time to provide evidence on XX/XX/XXXX via certified mail Tracking XXXX and uploaded documents in the Neltnet portal on XX/XX/XXXX. On XX/XX/XXXX, I spoke to another lady who called and spoke with me for XXXX mins with ZERO assistance and stated if the school defrauded me and charge for room and board to inflate the numbers on the loan amount for their benefit is not Nelnets problem as they are only the servicer. The female on XX/XX/XXXX did not offer to investigate and validate the debt for excessive amount of over {$27000.00} + Interest accumulated since XXXX XXXX for room and board in which I attended school 100 % online. the loan balance is inacurrate and Nelnet does not care. I sent all info and still no recourse to fix the issue. It is unfair and unconscionable that I should pay for something I did not receive. I asked nelnet female agent on XX/XX/XXXX the detailed audit breakdown of the XXXX XXXX XXXX of my account, XXXX number and XXXX of Nelnet so I can offset my accounting records for the fraudulent amount tagged to the loan balance for room and boarding and I was denied the info I demanded on the phone to be mailed and also in my letter to Nelnet via certified mail and todate Nelnet is acting unconscionable and unfairly. 

Nelnet also has failed to update my legal name since XX/XX/XXXX as this has affected issues with name variations on my consumer reports of not able to get instant approvals. I sent documents on in XXXX, XXXX and XXXX and to date I have been ignored Nelnet has all documents on file with respect to my dispute escalated to you now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase checking account. In XXXX I opened a XXXX Bank account. This year I set up an XXXX withdrawl of {$100.00} to be transferred from my Chase account to my XXXX account monthly. 

On the following days, Chase took out {$100.00} from my checking account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I noticed that the transfers from Chase were not in my XXXX account, I contacted Chase. Chase insisted I had to contact XXXX Bank to resolve the problem. I contacted XXXX and they insisted I had to contact Chase. 

After spending several hours on the phone with both Chase and XXXX, I decided to close the XXXX Bank account. This was in early XXXX. 

As you can see from the above dates, even after I closed the XXXX Bank account, Chase still took out money from my Chase account, supposedly to send to an account that was no longer in existence! 
I have sent numerous messages to Chase via the secure online system. Chase finally refunded me two of the {$100.00} withdrawals. This was done on XXXX XX/XX/XXXX. 

Chase refuses to refund the remaining two withdrawals of {$100.00}. I believe withholding my money constitutes theft. 

Chase withdrew {$400.00} from my checking account. None of this money ever reached my XXXX Bank account. Chase has returned {$200.00} to me and has now refused to return the rest of my money ( {$200.00} ), declaring the inquiry closed! 

I would like my money bank. This is not the first time I have had problems with Chase. ( I had a Chase mortgage and the pay off sum I received was not in line with what I anticipated based on the information in my account. ) I am enclosing the following : 1. Some of the correspondence between Chase and myself 2. Proof from my Chase checking account showing the withdrawals and returns described above. 
3. Letter from XXXX Bank stating they never received any of the money Chase claimed it had sent to my XXXX account. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
BSI Financial Services took over my existing Conventional Home Loan on XX/XX/2022 from XXXX XXXX XXXX During the transition, my name and information was removed from the existing loan, and was never added to the new BSI Financial Services account. From XX/XX/XXXX to XX/XX/XXXX, I called and talked with multiple BSI Financial Services representatives and " managers '' to add me to the mortgage account, create a separate login to access the information, and to have all documents to that point regarding the account mailed to me. I am a 50 % owner of the mortgaged property and 50 % title holder alone with loan responsibility. BSI has refused to work with me, create an account I can access or mail me any documents, including notifying me when the mortgage was not received and went into late status. I have had to consult lawyers at my own expense to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
They have been reporting incorrect information over the past 3 years. They report an increase in balance every time I make a payment. They have reported inadequate information about my payments being delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2022-12-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. My information was compromised by XXXX breach in XXXX and XXXX breach in XXXXMy information has been handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Collections These collections have a big impact on my credit score and need removed.I request proof of debt.And request removal because all 3 credit agencies are not reporting same accounts time, accounts information, or acount debts Information reported must be accurate. 

XXXX Reported : XXXX XXXX, XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Agency have take too long to conduct their investigation.

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 2022-12-15 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:
I RECEIVED AN ALERT OF MULTIPLE INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZED, ALSO THERES A COUPLE OF DISCREPANCIES IN MY 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 non-monetary relief
Consumer complaint received 2022-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s 1681 XXXX Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 602 A States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US dept EDUCATION XXXX US dept EDUCATION XXXX us DEPT EDUCATION XXXX  Section 602 A States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: LA

Complaint narrative:
Well I think my mothers has been using my account or feed throughout the years placing loans and bills in my name and I never ever knew anything about it til I just tried to get my credit score and i seen all of that stuff done on my account in my name and some of the dates I was XXXX  for XXXX months I want to clear my credit and file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: DE

Complaint narrative:
AES have violated my right under the Family educational rights and privacy act of 1974 and the family educational and privacy right.20 U.S. CODE 1232G SECTION B. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents.

I have never gave AES permission. When a rep called me on XX/XX/XXXX they refused to talk to me about how they have violated my rights under federal law which I have a ( voice recording o ) f. They also Changed my name with the Credit reporting agencies such as XXXX who told me that AES are the ones who changed my name. The name they have given me is XXXX XXXX XXXX That has never been my name. I don't have a middle name. This is a deformation of charter as well as the my right to privacy UNDER. 6802. Obligations with respect to disclosures of personal information. In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I Also have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. FCRA SECTION 623 AND REGULATION states " that furnisher must not furnish inaccurate consumer information They broke that law when they changed and reported my name as XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
I opened an account with Axos bank under a promotion XXXX in which I would receive {$300.00} if I deposited {$7000.00}. I abided by all the terms of the promotion immediately ( i.e. in XXXX ) and was waiting for the payout, when there were reports of people receiving the bonus at the end of last month. This was early, to be sure, but it was easy to tell from the reports coming out, that Axos had only paid out bonuses for the people who made deposits in XXXX, excluding people who made earlier deposits in XXXX and XXXX, even though there was nothing about this in the promotion 's terms. 

I chatted with customer service twice about this already ( XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX ) and it's clear that they are not doing anything to rectify this issue. I also sent several secure messages that went unanswered. 

Administering the bonus in this way even though they technically have more time to pay it out is prejudicial to customers who met the requirements early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Because of my XXXX purchases before XXXX I had {$39.00} rewards that I redeemed on XX/XX/XXXX and received a confirmation email : " Hello, XXXX XXXX Account Ending in XXXX Congrats! You redeemed your rewards Dear XXXX, You successfully requested a direct deposit on XX/XX/XXXX. Well apply this deposit to your bank account ending in... XXXX. The timing of the deposit will depend on your bank. 
Redemption Date : XX/XX/XXXX Redemption Amount : {$39.00} Thanks for being a cardholder! 
Visit Account Center '' No {$39.00} arrived into my checking account XXXX, so on XX/XX/XXXX I sent a secured message to credit card company and asked about my {$39.00}, after several emails credit card company told me to call their XXXX number and when I did they put me on several holds then they haged up after 18minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This compliant is regarding an unresolved Capital One Credit Card dispute case number XXXX Capital One did not resolve the dispute initiated in the amount of {$20.00} billed on XX/XX/2021. Capital One communicated that they did not receive response to asssit with the claim. The consistent lack of providing card member support regarding disputed transactions does not meet their advertised member service and agreement.

Company response to consumer: Closed with explanation