vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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: NJ

Complaint narrative:
I have sent an international transfer using MoneyGram for family support to XXXX. The amount I sent was XXXX $ and it should amount to XXXX SEK. It is my first time using MoneyGram. I initiated the transaction on XX/XX/XXXX. The money was taken from my XXXX XXXX 2 days later, and I received an email on XX/XX/XXXX saying the money was sent successfully and it should appear in the receiver account at XX/XX/XXXX the most. 

When the money didn't show up, I contacted MoneyGram and I opened a case with MoneyGram on XXXX. I got a resolution today on XX/XX/XXXX, saying there was an error on the MoneyGram side and they will return the transfer fee of XXXX USD. Still the money isn't showing on the receiver side. 

I contacted MoneyGram today XXXX to tell them, the money still didn't show up and I wanted to understand if there was a mistake, what was it, when should I expect it in the receiver bank or if they have any transaction Id that I can use with the receiver bank. They provided nothing and the customer support hung up on me. They kept referring to the resolution email which doesn't answer any of these questions. 

My family has called the receiver bank multiple times and there is nothing on their system. MoneyGram isn't allowing me any information that I can use for tracking, they claim the money is deposited and they can't provide me any document or transaction id that can prove that and at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I reached out to Rocket Mortgage in XX/XX/2023 to apply for a Home Equity Line of Credit. I spoke with XXXX about the options. He indicated to me that he had to put our application on as a 1st FHA loan so that the appraisal can cover any other loan type we were looking for. He went over fixed rate 2nds could also be a possibility. Then once they reviewed the application they required us to pay of nearly {$10000.00} worth of 0 % debt to get our scores and ratios where they needed to be to complete the loan. THEN after 3 weeks of doing EVERYTHING they asked of us they decided to disclose that they do not offer Home Equity Lines of Credit. If they would have indicated that to us in the beginning we would not have had 2 hard credit pulls nor would we have paid off {$10000.00} in ZERO PERCENT debts. This company lied, misled, miscommunicated and did not disclose truthful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX I reviewed my credit reports from the following credit Bureaus, Experian, XXXX and XXXX. Upon review I noticed that my address was not being reported correctly. I advised them that I may have been a victim of identity theft and I do not live at the addresses being reported and asked to correct the information. As of XX/XX/15 they responded back and stated that the addresses in which I no longer live are valid and yet to remove the information. This is putting me at risk to have my information stolen and identity theft to happen by having my information in the hands of someone or someplace I have access to.

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 2023-02-15 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: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank purchased BVBA bank in XXXX of XXXX. I had a Covid extension with BBVA in XXXX. I paid the account in full before the COVID-19 hardship was to expire, BBVA did not report my account as late to the credit reporting bureaus. After PNC purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to PNC directly XXXX I went up the chain of command within PNC with no resolution. I have asked for all records from my account with BBVA including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with BBVA. PNC is reporting on an account that PNC did not own at the time of reporting. The original creditor at the time, BBVA, did not report me late for XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Lewis, McDonnell & Associates
State: CA

Complaint narrative:
I have been receiving phone calls from Lewis , McDonnell & Associates claiming that I will be served court papers for an alleged civil case involving a very old, paid debt from a furniture store that has closed down. No lawyer has spoken to me regarding this alleged case, their proof of debt is in an email and refuse to send in a mailed letter with their address and the amount due. On the phone I have been belittled and been called " clueless '' regarding this case. Not only have they been bombarding me with calls, they have been calling other people involving my " debt '' telling them that they will be served if I do no respond or pay. They have recently added this collection on to my credit without proper written notification of alleged debt. These tactics are in violation of the Fair Debt Collection Practices Act and demand that something is done regarding this debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NC

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Credit Reporting act XXXX account numbers written below, has violated my rights. 

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

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX I reviewed my credit reports from the following credit Bureaus, XXXX, XXXX and Transunion. Upon review I noticed that my address was not being reported correctly. I advised them that I may have been a victim of identity theft and I do not live at the addresses being reported and asked to correct the information. As of XX/XX/15 they responded back and stated that the addresses in which I no longer live are valid and yet to remove the information. This is putting me at risk to have my information stolen and identity theft to happen by having my information in the hands of someone or someplace I have access to.

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 2023-02-15 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: TX

Complaint narrative:
On XXXX XXXX I reviewed my credit reports from the following credit Bureaus, XXXX, Equifax and XXXX. Upon review I noticed that my address was not being reported correctly. I advised them that I may have been a victim of identity theft and I do not live at the addresses being reported and asked to correct the information. As of XX/XX/15 they responded back and stated that the addresses in which I no longer live are valid and yet to remove the information. This is putting me at risk to have my information stolen and identity theft to happen by having my information in the hands of someone or someplace I have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.

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 2023-02-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.

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 2023-02-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I began to have issues with my account when I purchased items online and then returned them. I made a purchase from XXXX XXXX on XX/XX/2022 for {$170.00} and made purchase from on XXXX XXXX XXXX for {$120.00}. I returned XXXX items and was issued a credit of {$120.00} from XXXX. However, the credit was supposedly applied to XXXX for {$120.00} took the balance {$2.00}, Now after months {$53.00} balance that has reappeared. There was another credit is from XXXX on XXXX XXXX for {$230.00} however, the items were billed as XXXX different transaction instead of XXXX {$76.00}, {$97.00} and {$65.00}. The items for {$97.00} was fully returned and a additional {$20.00} was issued for sale adjustment. I ask to explain were the XXXX was applied, no one could explain. So the credit of {$110.00} was issue towards the balance of {$230.00} purchase. I ask if this credit was applied correctly the said it was correct and the rep filled out a dispute. I have spoken to several reps who state that credit are being issue just to other things on your bill. I asking for all the XXXX, XXXX and XXXX 's item to be researched. Also, ask that all credit that are issue are issue to the out balance from the merchant that issue it. They keep adding back items by miscellaneous adjustment and it is not adding up correctly. I really dont understand how I and getting rebilled for {$53.00} after contesting the credit that should have been a XXXX XXXX credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: HI

Complaint narrative:
I have an old Cash app account and my friend sent me money to that account. I can't open that account anymore because the phone number I used fro log in is no longer in service. I chatted, emailed and called the their customer support but everyone has the same script and didn't resolved the issue. I asked helped from XXXX XXXX XXXX last XXXX XXXX and the Cash app agent replied through email and took us 4 days back and forth but still the same script, issue not resolved. I want my money back! I felt robbed by this company. How come they can not transfer my money from my old to new account? If these agents can not resolve this problem, how come the owner, CEOs and programmers of this app can not step up and resolve the issue? This is theft! My money is on limbo and there is no way I can get it according to their numerous agents I talked to. Please help me, I felt scammed by this company. The attachment is the final response of all the agents I talked to ( chat, call, email ) the same script! So who can approve and override the transfer if these agents can't? So I will just stop and leave my money in limbo? This caused me so much stress already. I am not rich unlike these people. Every $ helps me survive in this expensive State.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I could not get a loan with Citizens to buy a phone at XXXX and the logical thing is that Citizens sent me checkbooks and they could not open an account of a minimum amount compared to what I could use with checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Comenity Bank XXXX XXXX XXXX Credit Card THIS IS MY SECOND COMPLAINT AGAINST THIS COMPANY IN LESS THAN A YEAR. After dealing with payment issues ( not receiving proper monthly statements, etc. ) all summer of 2022, I finally paid off the entire balance of my credit card in XX/XX/2022. Unknowing to me, this company decided to still apply finance charges after the pay off and then also applied late fees on this finance charge. Now the late fees and finance charges are capitalizing on top of each other and increasing. I STILL NEVER RECEIVED STATEMENTS. Now they have reported delinquency on my credit report ... over {$6.00} dollars. This is insane and abusive towards a consumer. If statements were sent properly from the get go in the summer of 2022, I would have never had to deal with this headache... twice now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I was included in the XXXX data breach which occurred between XXXX - XX/XX/2017, but you were notified in XX/XX/2017. You wanted to file an official report regarding this breach since your data is on the dark web, and there are several items on your credit report you don't recognize and you have deal with consumer reporting agencies as a results my personal non public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: HireRight Solutions, Inc.
State: NY

Complaint narrative:
XXXX denied me employment without providing clear information as to what was the reason for the denial. I have already sent the updated court records to HireRight and XXXX and they were reluctant to update them. 
My Criminal Court case has been dismissed and sealed as I was found not guilty. I notified XXXX and HireRight right away and yet they still decided to deny to employment because of a crime that I did not commit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a cobranded Citi-American Airlines `` MileUp '' credit card account in XXXX XXXX. The sole purpose of opening this account was to earn Loyalty Points towards status with XXXX XXXX. I have used this card regularly since then. The card earns 1 AA Loyalty Point for each {$1.00} in purchases. 
On XX/XX/XXXX, I made a large purchase ( {$4000.00} ) in order to earn 4080 Loyalty Points. In all of my previous months of having the card ( 3 billing cycles ), the statements closed on the 9th or 10th of the month. In XX/XX/XXXX, the statement closed on the 10th. When I made my purchase on XX/XX/XXXX, I was expecting the purchase would appear on my XXXX statement, which was not yet closed. And indeed, the purchase shows as occurring on XX/XX/XXXX at XXXX XXXX ET. But for some reason the posting date is XX/XX/XXXX. When I made the purchase, I thought the statement closing date would be XX/XX/XXXX, but it in fact closed on XX/XX/XXXX. Instead, the purchase appears on my current statement, closing XX/XX/XXXX or XXXX. 
This is a problem because XXXX XXXX requires me to earn the Loyalty Points by XX/XX/XXXX in order to re-qualify for my status. The only reason I made this large purchase on this card ( as opposed to paying cash or using a different card ) was to earn the Loyalty Points. And I had every reason to believe, based on past transactions, that the points would be credited to my statement that was open at the time the transaction took place. 
Today I spoke several times with Citibank customer service, including a supervisor, and they told me there is nothing they can do. I also spoke with XXXX XXXX, and they told me this is a problem only Citibank can fix. I know this is not true. If XXXX wants to credit the Loyalty Points retroactively, it can. If Citibank wants to credit miles / Loyalty Points to my account, it can. 
I now understand that there is a systems issue here that prevents purchases that happen on the closing date from counting towards that month 's statement. But I don't think I should be penalized for the reasonable understanding I had before this happened. I hope Citi or XXXX XXXX will make this right. 
I am a loyal custom of both Citibank ( with several credit cards and a savings account ) and XXXX XXXX. My family and I go out of our way to fly XXXX even when other airlines are cheaper or more convenient, and I hope they will show their appreciation for our loyalty.

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 2023-02-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Simply opinion based on hundreds of unresolved reports over decades. The entire system is a sham. I have not had ONE, GOT THAT ONE COMPLAINT EVER RESOLVED IN OUR FAVOR. The fact that one is judged by their works confirms the opinion is correct. Furthermore your organization a key component of this opinion because you are exactly the same and by nature of what you actually do, just collect information, you are all in the end exploiters of 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 2023-02-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife & I purchased our first home from world savings. During our. XXXX yrs of mortgage payments the loan had changed banks 3 times. World savings to XXXX to Wells Fargo. We purchased our home in XXXX with 20 % down that I believed was suppose to eliminate the escrow account created by the banks. When my self-employed business hit a threshold. I applied to refinance but was not allowed. So I then applied for a modification during the foreclosure process my wife & I were told our paperwork documents that were certified mail was lost in the timely processing dual tracking is what I learned was the norm for the banks. I was blessed to get a contract signed to make the payment of 3 months + additional fees. Then XXXX yrs later we fell behind & never did receive a chance for a loan modification knowing what had happened to our first attempt. We were left with no other choice but to file bankruptcy to save our home. Even that process would not allow us to save our home. I asked for our equity back 2 years before any payments were paid. Even had the house sold for XXXX. But could not reach an agreement. My house was foreclosed on on XX/XX/XXXX. XXXX. I had filed a third attempt of XXXX  but was told I was to late.

Company response to consumer: Closed with explanation