vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: MI

Complaint narrative:
Payments to the XXXX XXXX has been continously made since the account has been opened. The full amount for each month/billing cycle was not made but at minimum half the amount was received. The XXXX XXXX wrote off my account and sent the account to a collection agency XXXX XXXX XXXX - XXXX. The XXXX XXXX is still receiving payments for this account. The wrong amount has been transferred to XXXX XXXX. They are both trying to collect on the same account with different amounts. I received no notice of the transfer of debt. Only my monthly billing statement from the XXXX XXXX whom send confirmation of payment being received.

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 2020-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
Hello CFPB, Thank you for your time in taking care of it. 

This is XXXX XXXX, My last social is XXXX ( i also have other names as XXXX XXXX, XXXX XXXX XXXX, and XXXX ). 

I have been living in the USA since 2000. I am a US citizen. I was sending money to my family, friends using XXXX XXXX money services. I recently reached out to XXXX to get the details of money I sent from the year 2000 to now but MoneyGram declined through my email requests. I contacted MoneyGram ( customerservice@moneygram.com ) and at XXXX several times and all my calls routed or attempted by abroad ( XXXX, XXXX or some other country I dont know they even exist and also representatives are very rude in responding and not useful for customers ) representatives and they even dont know the USAs geography and simply denied my request many times as usual and declined to transfer my calls to any of the US customer supports but they say can not transfer or no US customer support available. 

The MoneyGram company has headquarters based in the USA but all the poor customer support from abroad? What privacy we have as an US citizen? 

During my recent discussions with my family members and friends, I came to know that some of the recipients either received less than the promised conversion rates or never received at all. I need the complete details from 2000 to now for reconciliation. XXXX simply declined my tax paid money and I paid thousands so far for as a fee. I have every right as a US citizen to get my information. I am sure I am entitled to my complete details as requested. I am a middle-class employee and this money is my hard-earned. 

Please take this as my written complaint to get my info and help me. I sent Money where i lived from XXXX, XXXX, XXXX and other places. 

I will pay a minimal fee if I required to pay to get my required info. As I already paid XXXX dollars as a fee sending for money. 

People I sent money through XXXX : 1.XXXX XXXX , XXXX 2.XXXX XXXX, XXXX 3.XXXX , XXXX XXXX XXXX, XXXX XXXX. Any others I sent. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: NV

Complaint narrative:
These accounts are not mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On XX/XX/XXXX, I received an email from Barclays, stating that I had earned a {$100.00} flight discount, because I spent {$2500.00} over the past membership year. The email provided me a flight discount voucher code ( XXXX ) AND expiration date ( XX/XX/XXXX ). I tried to book a flight on XX/XX/XXXX, and when I entered the code, I got a response that there is no value to that number. I called their customer service line, and was told that the code was only good for 6-months. I explained THEY sent the email to me, stating it expired on XX/XX/XXXX. The person on the other end of the line insisted the code was only good for 6-months from the issue date. She advised me to call XXXX XXXX. I explained that the email came from Barclays, not XXXX. I asked to talk to a supervisor, who told me they were aware of this problem and that I couldn't use it on the flight I wanted to book, but that they would credit my credit card account. She told me that they would have to investigate it. I explained that if they were aware of the problem, why would an investigation need to be done? She couldn't give me an answer. Well, I've been waiting for their investigation to be done and my account to be credited. Today, XX/XX/XXXX, I received a letter from Barclays, stating " We're currently unable to assist you with your Rewards issue. ''

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 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have filed several dispute regarding merchants in the past and each time this institution refuses to credit my account pending an investigation and the disputes are denied in the end. The same person investigates the complaint and request information that is impossible to obtain. The most recent dispute was regarding a local XXXX XXXX that served under cooked hamburgers. I followed the direction on the receipt and called the number on the receipt on XXXX XXXX ( XXXX ) -XXXX. I left a voicemail. I called again on XXXX XXXX and XXXX was told someone would be contacting me so I would receive a refund. When I was not called, I called back two times for a total of three. When I did not receive a refund I filed a dispute XXXX XXXX. SunTrust sent an affidavit on XXXX XXXX I signed and returned it. When I did not receive a credit I called and found the same person XXXX requesting additional information. I sent the additional information which was question did I return the food and what date did I return it. I feel it XXXX would have called the merchant investigating and read the dispute I filed it would know I did not return the food. SunTrust is a difficult bank for me to file a dispute as I do not feel it follows the rules for disputes. The rules for its disputes are not published nor provided at the time of filing a dispute. A consumer like me is left in the dark depending a perhaps biased investigator. I feel that this investigator is not and has not worked in my best interest.

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 2020-01-23 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: NV

Complaint narrative:
These accounts are not mine. Please remove them.

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 2020-01-23 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: NV

Complaint narrative:
These accounts are not mine. Please remove them.

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 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
XX/XX/2020 i applied for a credit card and they denied me when i have XXXX credit score and excellent and i called them to ask why and they would not tell me when i called the management why they denied me, i am not happy with this company for not telling me why they wouldnt i got no where wheni have a credit card with their company for over 6 years now and dont use it anymore cause it has high interest so i saw this supior credit card that had zero intested for 15 mths on purchases and trasnfers so i applied and they give me {$150.00} for spending {$500.00} in 3 mths but they denied me. i wanted to fix this as theydid the same thin when i appled for their first card and i called in to fix resolve the issue, and i wanted to do the same thing this time and they wouldnt talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: VA

Complaint narrative:
There is a collection account that appeared on my credit report from XXXX XXXX. This is reported as a medical collection out of Florida. I have never had medical services from the area. Additionally, I have lived in Virginia during the time the services were rendered. 

I contacted the collection company via a phone, XXXX XXXX, and they stated the information did not match my information. Specifically the date of birth. The representative who handles these disputes continues to be unavailable. Additionally, a written request has returned undeliverable even though this is the address provided to Equifax. 

It was discovered that the first 5 digits of the social also do not match. This was determined by contacting the original creditor as provided by XXXX XXXX. 

This collection is not mine and the predatory nature in which the collection company blindly assigns the debt is appalling and detrimental. I have no documents other than my credit report. However, there are no documents from the services rendered proving that this is my debt. Also, if documents are provided from the original creditor it would show that this debt is not related to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied American Express Hilton Honors and Delta Sky miles  Platinum Credits card. After I spent enough money in my credit cards in 90 days. They refused to give my rewards. Different CSR said different reasons. But after three month, I didn't get any notification about refusing my welcome bonus. They said that my account declined my bonus on the first week. But I don't know at all. I tried to contact them many times. But no one can give me a real reason. Also, I don't have pop window at all when I applied my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
Deposited my mothers XXXX check for {$4500.00} on XX/XX/XXXX the bank deposited it then several hours later decided to close the account and are now holsinging those funds. I have a durable power of attorney for my mothers financial transactions, I did mail that to bbva. Its been almost 2 months now and we are getting nowhere! XXXX XXXX XXXX is XXXX XXXX XXXX, bbva wants a hold harmless form from XXXX or XXXX XXXX XXXX, XXXX has been on 3 way calls with me and bbva and told bbva they do not do hold harmless forms and never have, XXXX XXXX XXXX said to have bbva ask for the hold harmless form from them XXXX XXXX XXXX and they will get it taken care of, but bbva still has not requested that form to get this taken care of. XXXX XXXX said if bbva wasnt going to release those funds they should have never taken and deposited the check in the first place! If this were an individual you would have been arrested for fraud for stealing for holding that money for so long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2016 agreement was reached with XXXX XXXX XXXX XXXX on behave of check and go for a settlement amount of {$880.00}. Final payment of settlement was made XX/XX/2016. We have final settlement letter on hand. Since then we have been repeatedly contacted by multiple collection agencies attempting to make a collection for {$570.00} on behave of check and go. There was only one transaction that was ever owed to check and go and that was settled. No other loans or transactions made with check and go have ever gone into collections. Each time we have been contacted we have been threatened with legal action and/or arrest. Once explained that this matter should have been resolved and having offered proof the collector became more and more aggressive. We would like to have this permanently cleared from my credit and the harassment to stop. This has been going on for almost 4 yrs every 2 or 3 months and it is always a different agency calling with the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This situation is very stressful. I've call the credit bureaus and they advised me to make a report using this site. 
someone stolen my personal Information. I went to the police Station and I was told to call all Credit all Major Credit bureau to file an complaint which i did. this situation is getting out of hand. all I ask is to have this account cleared up this account is fraud. 
thanks for your time.

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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This situation is very stressful. I've call the credit bureaus and they advised me to make a report using this site. 
someone stolen my personal Information. I went to the police Station and I was told to call all Credit all Major Credit bureau to file an complaint which i did. this situation is getting out of hand. all I ask is to have this account cleared up this account is fraud. 
thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX account is showing a delinquent account. My record with account shows all on time payments. I did not go over my llimit. I closed my own account. This is another mark on my account that i dont need. This time i did nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a deposit on XX/XX/20 in the amount of XXXX. I was told the XXXX portion on the amount for XXXX wld be available on XX/XX/20 and the remainder XXXX on XX/XX/20. After submitting a bad review of the poor customer service I experienced during my visit to a specific branch, my account was put on a freeze and I could not use/access funds via my debit card and the available direct deposit from my employer. The put a branch hold on my account for no substantive reason. I believe I was profiled because of my race/ethnicity and retaliated against for giving the teller, who was the branch manager who placed the hold on my account, a bad rating. The bank has provided no justification for further delays in releasing my funds or why my payroll check was initially withheld and my debit card restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I had a load with Netcredit. I was overdue for XX/XX/XXXX installment by partial amount by {$220.00}. I paid that along with current installment for XX/XX/XXXX on on XX/XX/XXXX. In worst case i was 17 days overdue for {$220.00} as of XX/XX/XXXX. But Net credit immediately reported that as 30 days overdue for XX/XX/XXXX payment which is current month. I had 5 years and 10 months continuous streak zero missed payments in my credit report for 23 plus accounts with FICO credit score in upper Fair zone. With this falsified information the credit score went down to poor region. For my job scenario there is a background check going on. It failed as i had poor score ( Minimum they expect is fair ). I called netcredit and they ask me to send the credit report page. I sent the page for whatever they have reported. Then i called multiple times. They request for credit score page. I sent the experian extract for day before they report and day they reported which showed clearly the score went down because of them. I also called the customer support and confirmed they have all information to proceed with tier analysis. I also informed them the importance as this hurts my profession. after nearly 7 calls in 3 days when i called yesterday they said they are waiting for 90 plus page XXXX report ( full ). I don't know why they need it. Then i sent the full report both for the day before they reported and report for the say they reported with only their wrong information reported impacted. I was told i will get a response in one hour. When i called after a couple of hours later it is closed. When i called today morning first they mentioned it is different department working on that, they spoke to their manager and i will get a response before EOD. I sent a reminder in noon as i am desperate. When i called in evening they started again from zeroth call. They told it will take 7 days and all the 10 plus calls i made people provided me wrong information. When i asked how come some one says particularly i am running in minutes the representative says i am cursing them when i asked why it was misinformed. Then i asked can speak their manager i got blunt response they are not there. Literally the customer support specialist says it is your problem and not their liabilities. Worst thing is i paid nearly 35 installments for them and paid nearly more than 200 % of the principal. Never missed a payment by 30 days. And this is the response i get we report anything that is your problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I filed a dispute with Citibank about a charge made on my account for {$130.00} for XXXX. they said they would send me a letter to fill out and to return it so they can issue me a provisional credit. I submitted the letter in XX/XX/XXXX and they have yet to issue me any credit towards my account. Every time I call they say they have to extend the timeframe which is clearly a violation of regulation E.

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 2020-01-23 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: NV

Complaint narrative:
There are accounts on my credit report that aren't mine.

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 2020-01-23 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: NV

Complaint narrative:
There are accounts on my credit report that aren't mine.

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 2020-01-23 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: NV

Complaint narrative:
There are accounts on my credit report that aren't mine.

Company response to consumer: Closed with explanation