vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion is showing that I have 22 Hard Inquiries on my report. 
Please remove XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Some are multiple inquiries from the same company within a small time frame. It's negatively impacting my credit score.

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 2019-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Credit & Collection Corporation
State: OR

Complaint narrative:
On XX/XX/2019, my grandmother in another state and my brother-in-law ( old landlord ) received a phone call stating that the debt collector was called Global and that they were calling regarding a balance with the XXXX XXXX XXXX  and that if I did not give them a call back in 30 to 60 minutes I would be served papers and sued. The claim number this company provided for me was " Global '' provided was # XXXX and they called from XXXX. I called and left a voicemail around XXXX XXXX  PST. 

I received a call around XXXX XXXX PST from a man that was aggressive in asking me personal information and when I asked questions, he told me to " shut the XXXX up '', " you're going to be served '' and " good luck in jail ''. I hope the call was recorded. If so, please request a recording. I can provide additional information if needed. I checked the XXXX XXXX  XXXX website, checked the online court cases and found nothing. I had never received any written notification from this company. I called back and spoke to another rep named XXXX said it was for XXXX XXXX XXXX payday loan in the amount of {$300.00} something dollars. I asked why they never reached out to me before. They said they didn't have my address. I said I know I've updated it with the postal office, why did I not receive any written correspondence? She said she wasn't sure and asked me if I had been served yet. She said that someone was looking to serve me and I gave her my card information. 

I spoke with XXXX XXXX XXXX and they confirmed they did not call me. I looked at my collections with debtors and I don't see XXXX XXXX XXXX listed. Please help. This company now has my card information and the last four of my social security account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
I purchased 3 moneygram from CVS in XXXX, virginia. However, I didn't use it and was able to cash 2 of the moneygrams. The 3rd moneygram is still in my wallet, and I have the receipts showing proof of purchased, etc. I followed all of Moneygrams procedures and rules in order to cash the moneyorder / moneygram and get a refund. MoneyGram is refusing to refund my moneyorder or even allow me to cash the moneyorder. I received 4 to 7 emails with " open claims investigations '' that I didn't request. Several case numbers which is preventing me from cashing the moneyorder at my local check cashing business. MoneyGram is holding my funds, not responding to my emails, refusing to provide any information. I would believe that MoneyGram is refusing to return my {$500.00} which is a serious crime in the state of Virginia. Considering hiring an attorney, this is a terrible situation for me. I don't have any other option but to file this complaint today, hopefully something will be resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
I have explained repeatedly to this company that I ( XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX has nothing to do with this debt. I have had the original creditor contact them and inform them of the same. They continue to contact me. The most recent contact by email. I have sent them written correspondence as well to assert that I ( XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX has nothing to do with this debt. 

XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I opened a checking account with M & T Bank online on XX/XX/2019. One of the main reasons that I opened this account is because I received a targeted advertisement on the M & T website about a new checking account promotional offer in which the bank would give me a {$150.00} cash bonus after meeting certain requirements. I read through the requirements of the offer and the terms and conditions and decided to open this checking account based on what I read about the offer. I completed the requirements to receive this promotional offer, which included having a minimum {$500.00} direct deposit, which posted to my account on XX/XX/2019. The terms stated that I would receive the bonus within 90 days after the direct deposit posted. I initially reached out to M & T Bank on XX/XX/XXXX because I hadn't seen the bonus post yet. I was told at that time by a customer service representative that, while I did have the promotion linked to my account, the bonus was not eligible in my geographical area, even though I received the advertisement online and there were ZERO geographic restrictions presented in the terms of the promotion, which I thoroughly read through when I opened the account. I responded to M & T with this information and they then said that I should see the bonus post within 90 days after my direct deposit. I waited 90 days and reached out to M & T again on XX/XX/XXXX when the cash bonus still hadn't been applied to my account. I was again told that I'm not eligible for this offer because of my location, but, again, there were no location restrictions in the terms and conditions of this offer.

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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I was unable to request my free annual Equifax credit report online, I kept getting an error message. I mailed a paper request form on XX/XX/2019 but have still not received my credit report. When I try to call Equifax to find out what the status is, I can never get through on the phone, I am on eternal hold. It shouldn't be this hard to get a credit report, I have no problems with XXXX or XXXX, just Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

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 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
I received a letter from the debt collector in which I made two payments ( XX/XX/2019 & XX/XX/2019 ) two months in a row to the accounts in question. The next letter I received was dated XX/XX/2019 which showed a settlement amount due by XX/XX/2019. I called on XX/XX/2019 and spoke to a representative on a recorded line in which I asked if this would affect my credit and her answer was no. I made the settlement payment on XX/XX/2019 and they posted the payment on XX/XX/2019. Since then I started the process in purchasing a home in which my credit was run by the lender and my score was in the mid-high 700s. My credit was then run again on XX/XX/2019 in which my credit score dropped 100 points due to the company hitting my credit report. I've called numerous time asking to speak to a manager to request that it be removed from my credit report and have been told there is NOTHING that can be done.

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 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Media Collections, Inc
State: AZ

Complaint narrative:
I was a customer of XXXX for about 8 years, I moved and cancelled my service on XX/XX/XXXX directly with XXXX, they said they would send something to send back the modem, however I never received any package or envelope. I still have modem. I paid the final bill in XX/XX/XXXX, but now XXXX XXXX XXXX XXXX   Collectors are repeatedly calling multiple times per day at my place of employment trying to collect {$480.00} that they claim I owe XXXX. I tried calling XXXX but didn't get a call back from their executive office, I left a voicemail and also had a XXXX representative who took the information down and said someone would call me. I wrote them a letter with no response. I have asked the collection company to stop calling that I don't owe the debt and one woman threatened that she would see me in court then. But they keep calling. the collectors are rude, abusive and forceful, they don't listen that I don't owe this debt, and they call too late and too early in the a.m. they have called at my employer as well asking for me. The collectors refuse to give their names. they give the name of the agency but not their names.

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 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sent the below six transactions through PayPal to pay my contractors. The total value of payments is over {$27000.00}. 

None of the payments have been released to my contractors nor has PayPal responded to any of my complaints despite repeated assurances to the contrary. PayPal also won't allow me to cancel the payments and pay my contractors through other means. 

Additionally, PayPal informs me they may hold the money for six months. That's outrageous. If they're not going to forward the payments then I should be allowed to cancel the payments and have the funds returned to my account. Otherwise, if my contractors aren't getting paid, then I'm out of business. 

Thank you for any assistance. 

Transaction ID : XXXX {$2200.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$8200.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$2100.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$8300.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$1900.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$4600.00} Your recipient should have the money by XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. 

-- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. 
XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information XXXX Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. 

XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - XXXX XXXX has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. 

XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My xwife held a XXXX on me and had me open lines of credit with USAA.com. She got the money, not me. After years of therapy I have finally been able to tell the truth. I filed an identity theft report with the Federal Trade Commission XXXX XXXX department and they still will not remove these two loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
On XX/XX/19 at XXXX. Weltman, Weinberg, & Reis called my workplace from phone # XXXX. I just happened to be the person answering the phone AT MY WORKPLACE. They asked to speak to XXXX XXXX. I asked, may I ask who is calling & she said " This is XXXX with Weltman, Weinberg, & Reis " I hung up & felt harassed because they are attempting to contact a debt that i have with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Disputed this fraudulent credit item with XXXX Report Number : XXXX who states item verified. The company was unable to submit verifiable documentation of the debt. Submitted notice of possible violations to all parties ( XXXX  & Its Client Data ) FCRA Section 1681 ( C ) ( 1 ) ( 6 )  FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines. 

COPY OF NOTICE SENT ALL PARTIES ============================================================== CONSUMER COMPLAINT NOTICE! 
FCRA Section 623 VIOLATION!!!!! 

FCRA 5 U.S.C. 1681s-2 FURNISHER VIOLATION!!!!! 
( 15 USC section 1681e now being enforced pursuant FCR 15 USC section 1681i ) PUBLIC LAW 910-508 Title VI CCR/Sec.617 MORTGAGE LOAN PENDING!!!

( Principal amount in excess of {$50000.00} ) Final NOTICE! ( XXXX  & Its Client Data Reporting ) FCRA Section 1681 ( C ) ( 1 ) ( 6 ) FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines RE : XXXX Report Number : XXXX This letter is a request to have the below listed accounts re-investigated, corrected, the reporting creditor denies having been contacted by this bureau in reference to this issue. Moreover, the reporting creditor is unable to provide verifiable documentation of reported debt to XXXX. Pleas removed this negative item from my credit files, and all unauthorized inquiries updating credit file with these corrected changes ASAP. These incorrect items is affecting my credit score which has caused problems with acquiring mortgage financing approval for my home purchase, and also, there may also be a violation of 15 USCS 1681e, including FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} {$2500.00} statutory fine. Send names and addresses of persons recently contacted with 30 day. This information needs to be corrected before my mortgage loan go into underwriting as soon as possible. Please mail me an updated copy of my credit report including credit score to submit to my loan officer. Moreover, Im requesting that all unauthorized inquiries be removed from my credit files as soon as possible. Thanks! 
Cordially, Consumer Attest/Signature : XXXX XXXX Cordially, LOAN CLOSING DATE : XX/XX/XXXX XXXX XXXX SSN # : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX, Ga XXXX cc : Consumer Complaint Board Consumer : Creditor Name Acct # Comment PORTFOLIO RECOV ASSOC XXXX. Not Mine XXXX XXXXXXXX XXXX Never Late Inquiries XXXX Remove All Unauthorized Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive reported a lost card on XX/XX/2019 to CITICRDS customer service rep XXXX and opened a claim of fraud. 
On XX/XX/2019 discovered that charges were not removed and spoke to customer service rep XXXX and he promised that all of the charges will be removed immediately from my account. On XX/XX/2019 after still seeng the charges I've spoke to fraud dept rep XXXX and she also said that its is a mistake and charges will be removed. 
I received a letter of rejection on XX/XX/2019.

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 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I have disputed this account as not mine multiple times with no success of removal, nor was I sent a letter prior to this account being placed on my credit report. First dispute THE BEST SERVICE CO/XXXX   replied saying account verified. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. THE BEST SERVICE CO/XXXX has failed to provide original documents with my signatures nor verification sheet disclosing information. When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. This account is inaccurate and incomplete, and represents a very serious error on my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: CA

Complaint narrative:
please find attached the letter form XXXX XXXX, for the two inaccurate delinquencies. 
these two delinquencies they have already requested all three bureaus to have it removed all have removed except equifax, they are not helpful at all, i have provided the letter to them and also creditor has requested but they are not correcting and not helpful, please have this inaccuracies fixed on equifax thank you

Company response to consumer: Closed with explanation