vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
I use MoneyGram to send money to my relatives in XXXX ( XXXX XXXX ) several times per year. My most recent transfer was on XX/XX/2018. MoneyGram promises a free phone call for the sender to inform the recipient about the transfer and to give the recipient the " Reference Number '' for the transfer. When I was about to make the free phone call, I noticed that my receipt did not show the information for the free phone call. The XXXX # plus the PIN that's needed to make the phone call were missing. 
The MoneyGram Receipt Jacket has printed instructions on how to make the phone call, and includes the MoneyGram Customer Service phone number. I called the MoneyGram Customer Service phone number to get the PIN number so I could complete the free phone call. I spent more than 15 minutes being taken through several menu items, none of which applied to my issue. When I finally got to speak to a live person, he informed me that I had the wrong number. He gave me a new number for MoneyGram Customer Service ( different from the customer service number on the receipt and on the receipt jacket ). The person who responded to this second number, told me that he could not give me a PIN number, and that I have to go back to the agency ( XXXX XXXX   ) where I made the money transfer. 
When I contacted XXXX XXXX, they said they do not control the giving out of the PIN numbers, or what's printed on the receipt. All this is controlled by MoneyGram. XXXX XXXX took my information and contacted MoneyGram for an explanation of the situation. XXXX XXXX told me that MoneyGram informed them that they had discontinued the free phone calls from XX/XX/2018. However, I found this to be untrue because I sent money from the same agency on XX/XX/2018, and got the free phone call then. There was no notice that the free phone call would be discontinued. 
I find that whenever I need to contact MoneyGram Customer Service, they usually provide false information. They usually give the customer the run-around to avoid taking responsibility for solving a problem. If MoneyGram does not improve on the way they treat customers, they should not be allowed to continue doing business. I pay them {$9.00} to send {$150.00}, and they pay a very low exchange rate in the destination country. So they are making money on both ends. At least, if they discontinue the free phone call, they should have the decency to be upfront with that information, and not mislead customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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 following student loans were reported on my credit report. Based on my research, all government funded loans are not allowed to be reported. Thus, this is a clear violation of the FCRA. I disputed the accounts with Experian for several attempts to no resolution. Please CFPB, step-up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX   XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I recently gone through a financial hardship and was unable to make the payment on time, and it affect my credit score, now that I am finally back on my feet, will you help me remove the payment that I have missed, so that my credit score can be back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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:
The following student loans were reported on my credit report. Based on my research, all government funded loans are not allowed to be reported. Thus, this is a clear violation of the FCRA. I disputed the accounts with Equifax for several attempts to no resolution. Please CFPB, step-up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
We had an insurance claim on our primary home, nationstar mortgage now known as Mr. Cooper has been managing our claim funds of over {$100000.00} for over two years now. They have been extremely difficult and at many times delayed the disbursement of funds which has also delayed the reconstructions of our home. This company caused us incur extra expenses which they have not reimbursed us for yet. This is our second time complaining about this company to your office. Our main issue now is the remaining of the escrow funds left from our insurance claim has been sitting in their " escrow/loss draft '' department for months, after our several attempts in getting Mr. Cooper to apply those remaining funds into the principal of our mortgage loan. We have called multiple times and have spoke to their loss draft department which are in charge of our insurance claim funds and we explained the reconstruction of our home has been completed for quite a while and we specifically asked them to please apply the left over funds of over {$8000.00} into the principal balance of the mortgage loan. At one point we were told this would be completed within 5 days. We called six week later as this was still not completed, we spoke to the same gentleman XXXX in loss draft department and he gave us unreasonable excuses as to why this was not done. He promised to call us back in a week and as of today it has been over 4 weeks since our last conversation with him. We ask that Mr. Cooper provide us with a detail report of all the funds to our insurance claim and to apply all left over funds into the principal balance of our mortgage as previously requested. We are extremely upset with this servicing company on how they have handled our claim funds. Even after two years since our claim, they continue to delay disbursement of our funds even when we simply ask to apply them towards our principal balance. My husband and I want your office to review in detail how these funds have been handled as we are afraid they have mismanaged our funds. This servicing company should not be allowed to handle insurance claim funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: MA

Complaint narrative:
Transunion I have inquirys that was fraudulent they do not want to take it off

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 2018-12-20 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:
I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX CARD XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX CARD XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent several letters to Experian regarding several items on my credit report that are not mine and quite possibly a result of identity theft. Each time Experian states they have investigated the issue but have never provided any information related to how the information has been verified. 

Moreover, per the attachment to this complaint Experian has stated that since I have " previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute ''. I believe this is a direct violation of the regulations related to the reinvestigation of a dispute, specifically, [ 15 U.S.C. 1681i ], Section 611 ( a ) ( 1 ) ( A ) - In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

By letter dated XX/XX/2018 ( Attached ) and a three subsequent letters dated XX/XX/2018 ( also attached, USPS tracking, XXXX, XXXX, XXXX ) I have asked for information pertaining to the verification of these items.I have yet to receive any thing other than a generic reply letter explaining the debt has been verified. I am once again asking that Experian reinvestigate the dispute and provide the specific information pertaining to the verification and how they verified the information. 

Finally, I was able to have the information updated on the other two major credit bureaus very recently and I am unsure why Experian continues to send " form '' letters back to me without a reasonable explanation or specific information related to the " investigation '' of my dispute.

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 2018-12-20 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 have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXXTransUnion XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX TransUnion XXXX   XX/XX/XXXXTransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXTransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2018-12-20 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:
I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian XXXXXXXX XXXX   XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20 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: TX

Complaint narrative:
I am filing this complaint because Equifax did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX EQUI XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ACCT ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO defrauded me the case. was filed in the United States District Court XXXX District of XXXX XXXX v. WELLS FARGO & Co.Case number XXXX XXXX. They reported damaging credit from XXXX XXXX on customers like me. They charged me fraudulent settlement fees refused to apply payments when I did not pay settlement and reported late payments and still were until recently. They have not owned my loan sinceXX/XX/XXXX.I want them removed from my credit report they have harmed me enough. They refused to Allow me to modify my mortgage.when they sold.me to XXXX XXXX services. XXXX XXXX  agreed to let me modify my loan and WELLS FARGO forced my mortgage to foreclosure I had to file for bankruptcy because they would not let me modify

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 2018-12-20 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:
I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/2018, our mortgage loan office, XXXX XXXX, requested copies of electronically signed disclosures be forwarded to her so that she could deliver all documents to us in one file. XXXX XXXX at Nations Direct emailed XXXX XXXX and instructed her to forward the disclosures to XXXX XXXX. The disclosures were not forwarded. Therefore, XXXX XXXX emailed XXXX XXXX on XX/XX/2018 asking for the disclosures again. Again, the request was ignored. Finally, XXXX XXXX emailed her on XX/XX/2018 and informed her that we would be submitting a complaint to the Consumer Financial Protection Bureau if the disclosures were not forwarded by XX/XX/2018. To date, the disclosures have not been forwarded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: TX

Complaint narrative:
I am filing this complaint because XXXX did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ACCT ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: TX

Complaint narrative:
This issue is an existing problem which Experian wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 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: DISCOVER BANK
State: CA

Complaint narrative:
I locked myself out of my apt called a locksmith who quoted $ 45-49. I am legally XXXX and count on honesty from workers. My neighbors saw the locksmith do the lockout and pop the lock. I gave him my discover credit card. Later in the day a person called me to ask what he charged. I thought this was strange. I said I assumed he charged what I was quoted over the phone. I asked a neighbor what the bill said it said {$170.00} for an installation service not marked lockout. I disputed this with Discover who ruled in favor of the locksmith. No matter of my evidence receipt or even cameras on the premises that showed exactly what was done. This was unethical and dishonest on Discovers part when they had proof in front of them of a definite and deliberate scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, ARA Inc. contacted me and left a voicemail stating that if I did not respond immediately, they would be sending a locator to find me and also issue a warrant out for my arrest. On the same day, they contacted my mother and let her know that I owed a debt and that they were sending a locator to her house to find me and to issue a warrant out for my arrest. After my mom told me this, I contacted ARA where I spoke to a representative who was insanely rude. I asked her to send me validation of the debt and she hung up on me. I then called back, referenced the case number they gave me, and the woman told me again, that if I did not comply I would be arrested. I let her now that I had absolutely no clue of this debt. I also told her to not contact my mother and do not send anyone to her house. After hearing that, the representative hung on me. Again, a representative, Ms. XXXX, called my ex husbands grandmother to ask to speak to me. The representative let her know that I owed a debt and that if she didnt hear from me today, they would be issuing a warrant for my arrest. This is getting completely out of hand. Ive asked for a validation of debt which I never got. They have contacted family member and spoke of this debt and threatened to pursue legal action. This is not right! Ive had to change my number because they would call my phone up to four times a day and leave threatening voicemails. I just want them to leave me and my family alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief