vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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: MO

Complaint narrative:
On XX/XX/2021, I sent through the agency MONEYGRAM PAYMENT SYSTEMS , INC. the amount of XXXX USD to my bank account in XXXX. I had been a regular user of their services, without any inconvenience, until now. 

However, to this day I have not received the corresponding money from that transaction, there have been open four investigation cases of which they refused to give me an identification number, the first of them was opened on XX/XX/2021 the second on XX/XX/2021 the third one on XX/XX/2021 and the fourth one on XX/XX/2021, in all of them the agency has refused to send me proof that they sent the money to my receiving account in XXXX, so I do not have a document that allows me to initiate a dispute in XXXX. 

The agency only tells me by phone that they have proof that the bank in XXXX has confirmed that it did receive the money, however every time I requested for that proof, they say that I have to wait XXXX days to receive it, otherwise I must open another investigation case. 

Four investigation cases have been opened, they have not provided me with my money or proof that they have already sent the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25 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: NCB Management Services Inc.
State: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Global Lending Services LLC
State: TX

Complaint narrative:
so I affected by covi I was out of work and struggling to make payments but I lost job due to covid I just want these removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section XXXX, Validation of debts [ XXXX XXXX XXXX ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE PREVIOUS ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: DISCOVER BANK
State: OR

Complaint narrative:
I filed dispute with discover thru XXXX - its been finalized & XXXX has removed it from their report. But Discover has sent me this other person 's statements to my home address in XXXX, for XXXX XXXX XXXX XXXX who live in XXXX, WA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/2021 notifying them about the violation they made with my account in accordance to the XXXX law XXXX XXXX XXXX XXXX Permissible purposes of consumer reports code which says that any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ; ( XXXX ) In accordance with written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report pertaining to a bankruptcy, no consent is identity theft. 

For their convenience I also attached a copy of the law to the letter. They then forwarded a letter to me stating that regardless of what the XXXX law says, that the information will remain, further violating the law. Just to clarify things I am not a lawyer, and I am not a credit repair company. I am the actual real life consumer making this complaint. I am a well informed consumer that can read and comprehend law. This item XXXX BK CT EAST DIST MIC XXXX needs to be deleted immediately or I will pursue legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: DISCOVER BANK
State: TX

Complaint narrative:
I am filing a complaint because DISCOVER FIN SVCS LLC, XXXX, XXXX, and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E Mortgage Capital, Inc.
State: WY

Complaint narrative:
Multiple customers have contacted us, XXXX XXXX XXXXXXXX, XXXX, about marketing encouraging them to refinance. On XX/XX/2021, a customer dropped off a marketing piece he assumed was from XXXX XXXX  XXXX, XXXX We do not currently have a direct mail campaign. The marketing is coming from E Mortgage Capital and misleads the consumer into believing we are encouraging them to refinance. The marketing piece uses XXXX XXXX XXXXXXXX multiple times yet names their company only once. There is no E Mortgage Capital company branding, no NMLS # listed for WY, and only a phone contact # for their sales representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: NY

Complaint narrative:
XXXX company had disputed a past bill with me back in XX/XX/XXXX. The problem was the company was trying to over charge me after I had canceled services with them. During the time of the dispute the company stated in XX/XX/XXXX that the account was settled and I was no longer in debt with them. Now four years later from having the services XXXX submitted to another company called MRS a report to collect a debt from me on a matter that there company had already disputed. MRS BPO , LLC XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX. Provided an account number XXXX XXXX for the amount of {$350.00}. As I have stated to the company it seems to be a scam going into affect because I had already disputed the account years ago and it was no longer a matter with me pertaining to a balance owed but ; after years passing it has come back up on the radar. This matter should have never went outside of XXXX my last conversation with the company was about the bill and it was handled in a timely matter to the point it was no longer an issue. It was removed off my credit report and now years later it appears back as if this was never handled by the consumer themself XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CA

Complaint narrative:
There are two accounts on my XXXX XXXX and Transunion that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXX XX/XX/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 2021-02-25 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: CA

Complaint narrative:
There are two accounts on my XXXX Equifax and XXXX that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Above, we have already reached an agreement upon settlement with a letter of deletion and they are now refusing to provide the document of letter of deletion. Settled on XX/XX/2021 and is still on your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are two accounts on my Experian XXXX and XXXX that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXX XX/XX/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 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted my sons ' bank in regards to 2 {$500.00} debits from my account that were not authorized. 

Theses funds were debited from my checking account, and paid to someone on the platform through the XXXX child 's account. 

I was told an investigation would ensue. 

The next day on XX/XX/2020, funds from random people started coming into my account. Transactions that were not authorized. I couldn't believe this was happening 2 days in a row. 

I contacted customer support on XX/XX/2020 very frustrated. 

I closed my account because there is no way, any person with sense, would allow this to continue to happen. Furthermore, the first 2 {$500.00} debits, put my account arrears, and caused payments i ACTUALLY made to bounce. 

My bank, has rectified the 2 {$500.00} deductions from my account, But Iv'e contacted Current on XX/XX/XXXX, and again XX/XX/XXXX and I haven't heard anything from them. 

Furthermore, they are still holding on to the balance in my son 's account, and I have not received that ; {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/20 I attended a Wyndham Vacation sales presentation. The time shares were more than I could afford, but the sales representative used aggressive sales techniques. He managed to sell me a 2 yr program with XXXX travel points. It was still something I could not afford, but the representative advised me that they had 2 companies that could possibly finance the amount upfront ( didn't disclose it would be credit cards or that it would be hard inquiries on my credit ). The representative assured me that I would be able to make payments as low as {$30.00} or {$80.00} dollars depending on which finance company approved me. I was approved for both, but I was not disclosed that the APR for both approvals would be 20 %. A few days later California along with most of the country shut down due to Covid. I called the company back in XX/XX/XXXX requesting to cancel the program as I had not used ANY points and had been making payments. I was advised that there was no need for that, that the company would extend the time. I called the company again today, and they told me that the extension for unused points is only 6 months. There is still traveling restrictions and its not safe to travel. I have been paying for the last year. I do not want a refund. I simply want to cancel this charge, I have not used any benefits, and the APR is too high. I truly believe that this service/ product was sold to me under pressure, and I was deceived by the actual amounts I would be paying. Not only were deceptive, and unfair techniques used at the time of sale, but it is abusive to the customer to refuse to cancel a product that can not be used in the near foreseeable future. I have a contract showing the APR I was told I would pay, notes from the sales man on how much my payments would be. I have tried reaching to both the merchant and the credit card company in regards to this. I filed a complaint with the merchant and I was told there was nothing they can do. I have tried contacting the credit card company, but each time I try to press an option to file a dispute the calls disconnects after an automated message states that my request can not be processed and I am unable to speak with anyone at the moment. Trying to pay a XXXX debt for something I can not use seems extremely unfair, after 1 yr of on-time payments, I still have a remaining balance of 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 monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Granite Edvance Corporation
State: CA

Complaint narrative:
I had 4 private loans from lenders ( XXXX  and XXXX ) serviced via XXXX company and I started my residency training in XX/XX/2020 and I submitted my residency verification documents in XX/XX/2020, however they kept denying my residency verification and default my loans in forbearance and keep default my loans into debt collection with delay payment fees and increased my loan interested rate. I kept trying to call them to resolve this issue and every time I received a reassurance that it will be fixed but they never have it resolved. In turned they kept asking me to submit an updated residency verification and more documents while I try my best to do it in time manner. This process delay for months while I still pay them monthly payment of minimal {$100.00} per month for each account. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TX

Complaint narrative:
The credit score is based on outdated and incorrect data and drops drastically instead of increasing as it should based on facts. The credit limits they show is wrong, the balances they show is incorrect and the usage is incorrect. When you attempt to dispute the facts they do not offer direct means. I have documentation showing they are wrong and have unfairly treated 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
Consumer complaint received 2021-02-25 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX My loan was sold to LoanCare Mortgage as it has been sold multiple times since I purchased the property in XX/XX/XXXX with 20 % down under a conventional loan. The property was purchased for {$200000.00} and now has a balance of {$120000.00} with Loan Care. I have not had PMI since the property value is {$340000.00} and the loan to value is under percentage of 20 %. Loancare immediately started to charge and has continually charged me a Private Mortgage Insurance even though I have written 4 letters and 4 phone calls advising them to refund and stop charging Private Loan Mortgage. In XXXX I created a message within the portal to advise them to stop the PMI and either credit my mortgage or refund me the difference. Today I received a letter from that inquiry stating that they will continue to charge private mortgage insurance because I did not make a request, I have missed a 30 day payment and a 60 day payment in the last 12 months. I have included my payment history on the property for the last 24 months with no missed payments and also included the last 6 years even though it was through other loan providers. The last 2 times I called loan care I was hung up on and transferred back into the auto que without notification. Loancare has consistently violated the Frank DDod act by illegally charging XXXX XXXX XXXX and making a false statement. Please investigate.

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 2021-02-25 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: CA

Complaint narrative:
I am one XXXX XXXX person at these so call credit bureaus. Since XXXX of 2020 I have been trying get things taken off my credit report there are so many things bein reported wrong that need to be corrected or removed. Why is this taking so long and why are am I have to go thru this XXXX by writhing to complaint? How hard is it to make these changes or remove them from my report? I have attached copies of the disputes I already file just so you know it been 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 2021-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am one XXXX XXXX  person at these so call credit bureaus. Since XXXX of 2020 I have been trying get things taken off my credit report there are so many things bein reported wrong that need to be corrected or removed. Why is this taking so long and why are am I have to go thru this XXXX by writhing to complaint? How hard is it to make these changes or remove them from my report? I have attached copies of the disputes I already file just so you know it been done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The bank XXXX XXXX XXXX  XXXX  is reporting a late payment for XXXX & XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.

Company response to consumer: Closed with explanation