vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: CA

Complaint narrative:
XXXX XXXX XXXX I made a transfer on MoneyGram application to send money to my bank account in XXXX. I waited and today XXXX XXXX I called MoneyGram to see about my transfer due to the receipt says 1 4 days for the money to be available. They ask me all of my IDs info and then tell me that my money is on hold, and they can't cancel the transaction because I only had 30 min to cancelled. And that there is nothing they could do. I tried dealing with them to deposit my money either I the XXXX XXXX or the XXXX XXXX And they said I have to wait 4 days for my money. I am XXXXXXXX XXXX XXXX XXXX of my XXXX XXXX pay. I have to pay late fees for the money I owed in XXXX and I don't have the money for them to keep my {$1000.00} until they return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax still will not allow me to login to their website. The only option it seems is to call them, but lets say that hypothetically I was a hearing impaired person. Would the fact that the only method they provide to me be a phone call ( no email or chat support at all ) not be in clear violation of my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Numbers.1XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX, 3. XXXX XXXX XXXX XXXX, 4. XXXX XXXX XXXX XXXX, 5. XXXX XXXX. Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
In response to the COVID-19 pandemic and home retention issues affecting veterans with VA guaranteed loans, during XX/XX/XXXX the VA released Circular XXXX VA Home Retention Waterfall/ COVID-19 Home Mortgage Relief Program. The Circular clearly instructs mortgage servicers on processes to evaluate each borrower based on their loan status and eligibility to provide options that will assist the veteran in retaining their home through loan modifications and other forms of financial assistance. For over a year I have been requesting that Carrington consider my loan for each of the programs detailed in the Circular in order to offer me an unbiased and reasonable home retention plan/loan modification offer. To date, Carrington has refused to acknowledge my requests to be considered for programs under this Circular that go as far back as a XX/XX/XXXX. Further, in their XX/XX/XXXX letter regarding the review of my mortgage assistance application Carringtons underwriters neglected to apply the directives in this Circular when evaluating my mortgage assistance application. Carringtons acts have affected my ability ti refinance my home to lower monthly mortgage payments as mortgage interests have doubled since XX/XX/XXXX. XX/XX/XXXX interest rates were 3.5 % and now mortgage interest rates are over 7 %. It is imperative that Carrington allow me to to advantage of this program immediately as the program/Circular expires early XXXX specific waterfall Covid relief program expires early XXXX. Carringtons refusal to acknowledge that this program exists and to review its offerings to determine my eligibility is obstructing my access to federally funded programs that my husband is entitled to as a veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NC

Complaint narrative:
Ive disputed this account several times and each time the information comes back as verified and updated. My most recent dispute was through the CFPB site in XXXX. They are reporting an inaccurate date of last activity and an inaccurate account number. 
XXXX Account numbers are listed as XXXX and XXXX ( ON XXXX ) They need to remove it from my account and stop reporting for FCRA non-compliance of inaccurate data furnished on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed with each bureau on XX/XX/2022, but they did not remove these items. 

Sec. 602 States I have a right to privacy. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is the second complaint about XXXX XXXX. I opened the about a couple of months ago withdrawing {$1000.00} from a XXXX XXXX  Account. The XXXX XXXX  has to be listed because the funds came from one of my XXXX XXXX  accounts. Someone called me but spoke so fast I couldn't understand anything he said. I just want my money back into the XXXX XXXX  account from which it came. 

Bankers have no brains anymore. I am disgusted and annoyed! 

XXXX XXXX XXXX Also I am in the process of moving

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below.

i have already disputed with each bureau on XXXX XXXX XXXX,

but they did not remove these items. Sec. 602 States I have a right to privacy. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2022-11-08 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below.

i have already disputed with each bureau on XXXX XXXX XXXX, but they did not remove these items.

Sec. 602 States I have a right to privacy. 

XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2022-11-08 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: TX

Complaint narrative:
I sent these companies certified letters requesting they show me proof of the negative items they are reporting on my credit reports by sending me copies of the original signed contracts that they by law are supposed to have on file before reporting the negative items on my reports.I have not had any responce from the companies and they did not fix anything that is incorrect and never showed me the requested paperwork i asked for.It has been over 60 days since i sent out these letters and i have had no responce.Please follow the law and remove the negative items off of my reports as you have not shown the proof that you are correctly reporting these items on my reports.This is my third time of saying this and reporting that you are not complying.Please remove the items from my reports at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TX

Complaint narrative:
I sent these companies certified letters requesting they show me proof of the negative items they are reporting on my credit reports by sending me copies of the original signed contracts that they by law are supposed to have on file before reporting the negative items on my reports.I have not had any responce from the companies and they did not fix anything that is incorrect and never showed me the requested paperwork i asked for.It has been over 60 days since i sent out these letters and i have had no responce.Please follow the law and remove the negative items off of my reports as you have not shown the proof that you are correctly reporting these items on my reports.This is my third time of saying this and reporting that you are not complying.Please remove the items from my reports at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My son is XXXX XXXX Military, requested XXXX and XXXX XXXX, and XXXX XXXXXXXX refused to assist. Telling me that my son needs to apply. He is in XXXX and XXXX XXXX and doesnt have the opportunity to do so. I am a Authorized User in order to help with his accounts. XXXX XXXX XXXX XXXX Ss XXXX dob 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 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to the company to have the report updated and no change was made I disputed it with XXXX to verify the balance and they reported the balance as verified. I have a letter from the company dated XX/XX/2022 that the account is paid in full. XXXX did not conduct a proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to the company to have the report updated and no change was made I disputed it with XXXX to verify the balance and they reported the balance as verified. I have a letter from the company dated XX/XX/2022 that the account is paid in full. XXXX did not conduct a proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: DE

Complaint narrative:
I received a collections notice in XX/XX/XXXX from XXXX XXXX for a debt, that I don't owe. I can upload documenting that provides proof that the ledgers are falsified.XXXX XXXX has unethical business practices and are trying to collect rent from tenants and government assistance. My rental assistance was paid up until XX/XX/XXXX. There was a eviction case that was voluntarily dismissed due to the court findings of the rent being paid and no balance. In addition, the lawyer 's ledger contradicts XXXX XXXX XXXX XXXX XXXX which shows proof of falsying. In addition, I will show proof of payment that was paid in XXXX XXXX, therefore I could have no balance but on XXXX XXXX XXXX XXXX I have a false balance. There's uploads to refer to as proof. There's also a conversation with XXXX XXXX, property manager in XX/XX/XXXX about the {$3600.00} owed to me so I couldn't have a balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX someone deposited a fraud check into my account with the amount Of XXXX the next two days after that they cashed it out of my account I never got a notification about this I tried to use my debit card and it got declined I look into my online bank statement and it was at XXXX they took all the money I had on my account to pay for this fraud that I did not do My job deposited my check into this account and they also took my money XXXX that I still can not touch and my claim has now been denied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account US Dept ED # XXXX, Account # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX Self-Reported # XXXX, XXXX SELF-REPORTED # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account US Dept ED # XXXX, Account # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX Self-Reported # XXXX, XXXX SELF-REPORTED # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Submitted a refund for a loan 12 weeks ago.

The timeline has changed multiple times and I havent received a straight answer on when I am receiving my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: WA

Complaint narrative:
My school got XXXX down n I am fighting to prove that I am being used for money purposes and for con artists to use me to gain in life and am not able stop having a debt n having collectors after me n my kids too. And also the whole schism was to only get my money n loans then the federal government said that they shut the school down so it looks like the FBI is one responsible for stealing my loans n its close to XXXX XXXX in how much I got ta pay back n I need this to end Im being abused n treated like Im nuts so could you plz help me n contact me at XXXX to discuss further options now thank you XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, Wa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: MO

Complaint narrative:
XXXX XXXX was contracted by a former business I was a partner in. The business was sold on XXXX to my other business partner. XXXX sent an invoice in the form of XXXX to me following a disagreement that she had with the owner of the business stating I was responsible. I responded and told XXXX, the owner of XXXX, that I did not own the business. I gave her all of the contact information of the new owner and the attorney who handled everything on the sale and was handling any debt that the old partner did not pay. The old partner ended up not paying anything and when I logged into my credit, I saw that ally had sent ME to collections. I contacted XXXX XXXX at thunderbird and explained. I also asked him to send any signed agreements for my attorney to review but he has not provided anything to confirm the debt. This not only is not my debt, I have evidence that the person who reported this knew that this was not my debt and still sent this in. The dates of service is XX/XX/19 which legally, I had zero association with the business in any capacity on that date. This is unethical on both XXXX XXXX and XXXX at XXXX. This has affected my credit and made a huge difference on interest rates for an investment condo I planned on purchasing. Please help asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XXXX at PNC bank wouldn't underwrite my mortgage because I was on EAD while XXXX XXXX XXXX company took over my loan application and saw my home purchase to completion. 
Due to Interest rate hikes, my rate went from XXXX to XXXX because of the XXXX up by PNC bank. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: NY

Complaint narrative:
There was unauthored account made at a bank called Comerica bank the state of XXXX, MI XXXX. I contacted the bank and they immediately closed the account. The number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
I sent dispute letter to Americollect to dispute the collection on my credit report.. I request proof of debt.. I also sent FTC, XXXX REPORT AND POLICE REPORT STATING THAT IT FRAUDULEN INFORMATION THEY ARE REPORTING ON MY BEHALF. Americollect did not respond to the letter. I am sending XXXX REPORT AND POLICE REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation