vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
On XX/XX/2017 XXXX XXXX CDT I initiated a {$100.00} transfer to the XXXX using Moneygram and received an email with a reference number : XXXX. There was also a statement in the email " Your money transfer has been initiated and will be deposited to your receivers account as designated. '' On XX/XX/XXXX I checked the transfer and it still showed a status of " In Transit ''. I called Moneygram and after being transferred several times was told that Moneygram did not feel comfortable transferring the money. I asked why, and was told that they could not give a specific reason. They said they would refund the money to my account in 2 to 3 calendar weeks.
<P/>
So on XX/XX/XXXX, I initiated another transaction of {$100.00} to the same person. I received another email with the reference number : XXXX and again stating that the money will deposited in the receiver 's account. I called Moneygram later on XX/XX/XXXX and XX/XX/XXXX and again was told that they did not feel comfortable transferring the money and the money would be refunded.
<P/>
1. I do n't understand why they will not divulge what the reason is. In the past year I sent about 15 transfers to the same person, all around {$100.00} or {$200.00}. Why all of a sudden do they feel " uncomfortable ''?
<P/>
2. Why does Moneygram send me an email verifying that the money will be deposited and then afterwards cancel the transaction. They told me that the email is sent before their security team looks at the transaction. How XXXX is that.
<P/>
3. Why do they not even inform me that the transaction has been rejected. When I use their online system, it shows " in transit ''. No clue whatsoever that there is a problem.
<P/>
4. Why when I call do they ask for multiple pieces of information, and then transfer me 3 or 4 times and each person asks for the same information and then states that they ca n't resolve the problem and they have to transfer me.
<P/>
Moneygram worked fine for a year, but at this point, I would never do business with them again. Their customer service is the worst and they have some fundamental system problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   {$680.00} Neither the collection agency or the bureau Experian has validated the debt.
<P/>
Under   XXXX   it says the account name is unknown the only thing that was close to matching the debt under Experian is the dollar amount and the incomplete account number and under   XXXX   the account name is   XXXX   XXXX   XXXX   limited again the only thing close to matching the debt under Experian is the dollar amount and the incomplete account number

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 2017-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have written the organization more than 4 times for assistance. I followed CFPB guidelines on how payments should be  processed ( there is a sample letter from your organization instructions for payments be made on the highest loan first ). At first I was told it would take time to process but after months I called to file a complaint. I then was told it had been corrected. My most re cent payment was still processed incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have seen the Public Record in my report, it 's over 7 year s BKPT C T AZ  XXXX  -  XXXX  Under the provisions defined by the FDCPA, I am exercising my right to remove the out-of-date Public Record from my report immediately

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 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I received a letter from a debt collector Diversified Consultants located at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL  XXXX  regarding a debt for   XXXX   XXXX   XXXX   for {$130.00}. I have not used   XXXX   XXXX   XXXX   XXXX  . I believe that I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The state tax lien reporting as released on my Equifax credit report was previously removed years ago as a result of a dispute. The item was reinserted as released with a new date. Also Equifax will not provide me with the method that was used to verify that this information is correct.     (  5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of   the consumer.  <P/> ( Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information.     If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii )   Notice to consumer.   If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have seen the Public Record in my report, it 's over 7 years BKPT CT AZ  XXXX  -  XXXX  Under the provisions defined by the FDCPA, I am exercising my right to remove the out-of-date Public Record from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX {$680.00} Neither the collection agency or the bureau XXXX has validated the debt. <P/>Under XXXX it says the account name is unknown the only thing that was close to matching the debt under XXXX is the dollar amount and the incomplete account number and under TransUnion the account name is XXXX XXXX XXXX  limited again the only thing close to matching the debt under XXXX is the dollar amount and the incomplete account number

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 2017-06-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX {$680.00} Neither the collection agency or the bureau XXXX has validated the debt. <P/>Under Equifax it says the account name is unknown the only thing that was close to matching the debt under XXXX is the dollar amount and the incomplete account number and under XXXX the account name is XXXX XXXX XXXX  limited again the only thing close to matching the debt under XXXX is the dollar amount and the incomplete account number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Send removal of freeze proof of ID back  in  XX/XX/XXXX  and  XX/XX/XXXX , Tra  ns Union h as incompetent people.

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 2017-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
Fed Loan Servicing put my loans in deferment. I never asked my loans to be put in deferment. They intentionally put my loans in forgiveness in order to extend the loan repayment period. I have been paying my loans every month of over two years now and I never wanted my loans to be in deferment. Fed Loan Servicing is intentionally putting my loans into deferment in order to to extend the loan repayment period. I never wanted my loans to be in deferment. Fed Loan Servicing put my loans in deferment about three months ago which I never asked for. Fed Loan Servicing needs to retroactively return my loans to normal repayment status back three months. There should n't be a deferment period in my loans as I never asked for a deferment period. Fed Loan Servicing is intentionally trying to extend the repayment period on my loans by putting my loans in deferment which restarts the clock for loan repayment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: VA

Complaint narrative:
Afni collection agency is asking for  XXXX  dollars for a  XXXX  account I have no information about or anything contact information to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I 've been paying all my bills on time with  American Express for  about 15 years, but on  X/XX/17    AmEx denied my request to reinstate account  XXXX   XXXX   XXXX . I wish to complaint for religious discrimination in denying account based upon the perception that I am  XXXX . My  credit score i s very high, with no derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I have a home equity line of credit through Wells Fargo Bank. I got behind on my payments due to an imposed retirement from my job after 29-1/2 years. I am really surprised at how aggressive Wells Fargo  has been considering that they are a second lien ( I have a primary mortgage with  XXXX   XXXX   )  on a house that realtors tells us is already " underwater '', that is we already owe more on the house than what it 's worth on the market.  <P/> On  XXXX   XXXX  , 2017, Wells Fargo had  Substitute Trustee Sale of the property for $  XXXX . This is only a fraction of what the property is worth. We tried to p ay Wells Fargo our  delinquent payments, but they refused to accept.  <P/> There is something seriously predatory about this practice!

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 2017-06-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On X/X/2017 I went to pickup eyeglasses at store. I only took 1 pair but was billed for 2.  Clerk took 1 pair off bill. It is now XX/XX/XXXX and second pair of glasses still on bill. I have called multiple times and they assure me charge is being removed but it is still on this month bill.

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 2017-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/XXXX, my Public Service Loan Forgiveness annual recertification was rejected for not having an employment start date, despite having been employed by XXXX as an XXXX since 2008, which my original form would state. <P/>I resubmitted electronically with a new form. I received a second rejection, this time stating I did not list a start date nor was the XXXX XXXX valid. I have downloaded the document I uploaded to the servicer and both details cited as reasons for rejection are in the document and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I HAVE  XXXX  ACCOUNT WITH CAPITAL ONE AND THEY HAVE FAILED TO  XXXX  AS AGREED TO WHEN APLLYING FOR CREDIT CARDS.  XXXX ,  XXXX ,  XXXX  AND  XXXX . I AM NOT PLAYING GANES WITH ALL CREDIT FURNISHERS WHO ARE NOT COMPLYING WITH AGREEMENTS AND THUS WILL NOT HONOR SAID DEBT, CLOSE ACCOUNTS AND DISCHARGED DEBT VIA  XXXX  AND CEASE ALL CREDIT REPORTING OR BE SUED IN CLASS ACTION EFFORTS.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AND  CAPITAL ONE FIN ANCIAL.  <P/> WE HAVE RETAINED LAW FIRM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Ability Recovery Services, LLC
State: OH

Complaint narrative:
This complaint is in response to complaint :  XXXX   <P/> I sent letters to company requesting verification/validation of this account via my signature. They responded on   XXXX     with a printed out form of account details. Still nothing baring my signature. They did not explain or indicate how this situation could be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion is reporting chapter  XXXX  bk on my credit report on  XXXX   XXXX ,  2015 . I have send information from bankruptcy court stating courts do not verify a bk and transunion continues to report a bk on my report. This is the only bureau that reports this. They refuse to remove with the proper documation submitted

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 2017-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had  XXXX  credit cards wit h NavyFederal Credit Union that discharged ba ck in  2016  because I was not able to pay them. I recently started using my Savings Account at  NavyFederal Credit Union and to my surprise, I log into my NavyFederal Credit Union Savings Account this morning and they have arbitrarily taken my money from my savings account and applied it to the discharged c redit cards. How can they take my money and apply to an old debt that has been written off?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Upon reviewing my mortgage documents I shockingly discovered another loan number and are inquiring. It says  Loan no .  XXXX    XXXX   XXXX   borrower   XXXX   XXXX   XXXX   XXXX  , mi  XXXX . dated  XX/XX/XXXX  &  XX/XX/XXXX    ID #  XXXX . THIS COUPON MUST ACCOMPANY PAYMENT of  XXXX  To ;  chase manhattan  mortgage corporation attn : financial process dept.     XXXX   XXXX   XXXX   XXXX  .     XXXX   XXXX  . Ca  XXXX  Please explain to th e CFBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Back in XX/XX/XXXX my wife and I consolidated into one bank account, XXXX. Before we were using XXXX XXXX XXXX. I changed my account information online and spoke with a representative on the phone after the first month did not work correctly. Now for XX/XX/XXXX payment it did the same thing. They have my account information and this will be on them again for this month 's payment. I have had issues with Navient for the past few years and it seems that every other month there is something new that they screw up. They have my account information and should fix this by XX/XX/XXXX payment. The XXXX month they rolled the charges back into the debt so I 'm assuming they will do this again. It is not my responsibility to fix their mistakes and it is their responsibility to collect. I even have email confirmation and online confirmation stating that my payment account has been changed to our new bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: WI

Complaint narrative:
Checked my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the Midwest and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: IN

Complaint narrative:
RE-INSERT ALL ACCOUNTS BACK ONTO MY XXXX OR DISCHARGE ALL DEBT VIA XXXX AND CEASE ALL CREDIT REPORTING OR BE SUED. FURNISH LETTER FROM XXXX, WHY?

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 2017-06-06 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: Bass & Associates, P.C., Attorneys at Law
State: SC

Complaint narrative:
Spoke XXXX # XXXX, XXXX XXXX was consolidated XXXX XXXX 2004, and they are not going to stop reporting even the account is closed and the statue of reporting which I was previously advised is 10 years, This is hurting me really bad on my credit and I do not have a contract with Bass and Assoc since they are saying that 's who they sold my loans to, so the Bass and Assoc is adding monthly fees to make it look my loans are current when in fact they are 14yrs old. Can you please get XXXX to stop reporting a closed account? This is a violation from the statue of 10yrs and it 's looking like my loans are new when it 's from 2004. Can you please help me get them to stop reporting charges onto my closed acount? They do not need to delete just stop adding new balances PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Checked my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the  Midwest  and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME

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