vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
On XX/XX/2020 after several attempts to pickup a money gram transfer reference number # XXXX at the following location MoneyGram Location Details XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX, XXXX, MD, US XXXX ( XXXX ) XXXX The recipient stated the Teller XXXX stated the transfer was unavailable for pickup. 

Upon her return the transfer was tracked twice and found to be available. On the last time there was no record found. 

I have my receipt and the money transfer shows up in my within my account online. 

I called the location and XXXX stated that transfers can not be picked up from where it was initiated which I do not believe. 

After being told I had to go to another location which was not true since the recipient has picked-up at the location in the past the next location below MoneyGram Location Details XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX, XXXX, MD, US XXXX ( XXXX ) XXXX The Teller XXXX stated the transfer was unavailable for pickup to myself during a call from the location. She had no other explanation but for me to seek a refund which is not what I want! 

Upon her return i again tracked the transfer and found it to be available. 

I also called into the money-gram automated system and was informed the transfer is available. I also talked to an agent who states the same. 

I am complaining because the transfer was not available as promised. Then after there seemed to be some fraud or deception regarding this transfer and its status. 

I finally had to go back to the location I initiated the transfer and had to call customer service to have a return reference number issued I was offered help to pickup but that was then not helpful and just got a refund. My transfer fees were not returned. XXXX of the XXXX XXXX location stated money-gram had to refund when it was the locations fees for the transfer!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
on XX/XX/XXXX I opened a mortgage with XXXX XXXX, later XXXX XXXX XXXX started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.

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 2020-02-21 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: PA

Complaint narrative:
on XX/XX/XXXX I opened a mortgage with XXXX  XXXX, later XXXX XXXX   XXXX  started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
on XX/XX/XXXX I opened a mortgage with XXXX XXXX, later XXXX XXXX   XXXX  started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.

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 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Wells Fargo is my mortgage originator for my first and only home The originator specifically told me that once I hit 80 % LTV I could call and remove PMI. He said I could make double and triple payments to get to 80 % early and cancel it early. 
I did this within 1 year of my loan starting and I called and sent a letter but they would not let me cancel I filed a complaint because I was mislead and Wells Fargo eventually learned the truth that their local loan originator made a mistake and he admitted to misleading me. 
Wells Fargo wrote me a check for XXXX $ for this inconvenience They still would not let me cancel PMI until I hit 78 % so I started working hard to continue extra payments towards principal then within a month they sent me a letter saying they would not let me cancel PMI until it was originally scheduled even if I hit 78 %. This letter seemed to be a made up rule they developed because of the problem I brought up. 
I continued my plan and I hit 78 % early with extra payments. I then sent them a cease and desist by mail and talked to them and they still declined to remove PMI and require me to use a BOV or an Appraisal. I was able to get a BOV but now they are not being accessible to phone calls and they seem to be requiring me to use one of their in house brokers/appraisers. 
They will only let me talk to one person in their office to get any answers and that person is not alway available. 
Please help me cancel my PMI I have a great job, a great credit score, I have great family support and I have never missed a payment or been late on a payment. 
I do not see why I am being forced to pay this PMI I can sent any supporting documents as necessary

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a victim of internet fraud as can be verified by XXXX XXXX. I requested billing by mail as had been done in the past by Capital One.Again this month I looked at my email and there was a notice to pay and referred to my checking account.Other Companies have had no problem sending a bill.It is very upsetting as I have been a Capital One client for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX  submitted an inquiry to XXXX  for my credit report for a loan. I never applied for a loan through them nor did I authorize anyone to do so on my behalf. The inquiry needs to be deleted from my credit report by request of this lender who fraudulently requested a copy of my report without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: WA

Complaint narrative:
Ive disputed the derogatory account on my credit. The dispute came back and says the information is accurate. That information is accurate. XXXX XXXX XXXX got their money. I am being harassed.

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I paid off my credit card in full and they charged me interest after the fact. Not only that they withdrew money from my account for the minimum payment and then deducted money for interest after I paid off my credit card And would not refund my money.

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 2020-02-21 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2019 while I was on vacation out of my home state of California, I was the victim of credit card fraud on my Citibank credit card. I had vacation notifications set with Citibank, listing the places I was going.I was available by phone at all times. I charged my airline tickets, hotel reservations and rental car on the Citibank credit card. At no time while on vacation was I contacted about activity on my account in California while I was in South Dakota and surrounding area. When I finally was contacted later in XXXX, I disputed the fraud charges then I waited until XXXX to hear back from Citibank that I was liable for the fraud on my account because the charges were " chip enabled ''. I tried in vain to explain that, that was not correct, one charge, for example, was an online movie rental, impossible to charge by chip. They would not listen to reason. When I tried to contact Citibank I was told since the case was closed. They no longer would discuss it on the phone but I could submit further documentation by mail. I sent a series of both registered and regular mail letters and never received a response. I went to my local branch and was told they could not help me. I appealed to the bank manager who gave me a new phone number of a " supervisor '' named XXXX XXXX, in the fraud department. She listened to my story, told me that the decision was " set in stone '' but she would get back to me and I have never heard from her again. I contacted XXXX XXXX for assistance and they told me to file a police report which I did. This was submitted to Citibank. When I called to follow up with my case I was told they never received the police report. When I asked if they wanted me to resend it they said that wasn't necessary because their credit cards can not be duplicated. It was sent again anyway after the fax number was confirmed to be correct. I am now getting collection calls because I did not pay the fraudulent charges and my FICO score has been affected. I can not reach anyone who will look into the details of my case and see that it is impossible to make charges in 2 different states on the same day. Citibank only ever gave me one credit card which was in my possession at all times. Clearly it is possible to duplicate their  card because it happened. I need to get these charges and accrued interest reversed from my account. I am obviously not using the card any longer.

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 2020-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I called Wells Fargo Home Mortgage a few times on XX/XX/XXXX. I wanted to Recast or Re-Amortize HAMP Modification Mortgage, that was started on XX/XX/XXXX. My HAMP was not the typical HAMP with up to $ 10K in principal reductions over the first 6 years. I explained to WFHM that my HAMP Reduced my principal balance from {$200000.00} to {$160000.00} in just the first 3 years! A Principal Reduction of {$45000.00}! The next and final principal reduction will be on year 6, a reduction of {$5000.00}.

The 3 WFHM agents I spoke to gave Only 2 options ; ( 1 ). Wait and Hope that the Lender will send a letter saying that I am eligible for a re-amortize of the loan ; ( 2 ). Recast by putting $ XXXX Down on the principal balance! 

I said, there as been Over {$45000.00} principal reduction already, over 2 Times the of the Recast $ XXXX WFHM requirement in the last 3 Years! My WFHM monthly payments would be Drastically Reduced and be beneficial to me at XXXX years old. I need my payments based on a new Balance of {$160000.00} rather than the Original balance of {$200000.00}! They would Not offer any other assistance or remedies for my situation. 

This HAMP program has setup to provide assistance for those people, like me in XXXX, bought a home and weeks later, found out the Great Recession was in full force and many people like me, lost our jobs and became job seekers over XXXX years old. Unable to find adequate employment and had relinquished our savings, the HAMP program provided a way modify mortgages to remain in our homes.

It's under these financial stress circumstances, with my HAMP Modification and it's Principal Reductions of {$45000.00} in just the first 3 Years, that Exceeds WFHM ' Recast ( $ XXXX ) Minimum cash down on principal, that on My Request Only for a Re-amortize of the loan, the Re-amortization should be performed. 

The Re-amortization of my HAMP would only further my efforts to remain in my home and fulfill my obligation to completely pay off my home loan in the future.

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 2020-02-21 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: CA

Complaint narrative:
please see attachment

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 2020-02-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased a XXXX XXXX device in XX/XX/2019 which required a monthly subscription. In XX/XX/2019 I attempted multiple times to contact the company to cancel the monthly subscription via the customer service number on the web site unsuccessfully. In early XX/XX/2019 I contacted Bank of America the credit card company for assistance in contacting the merchant. BOF A had only the unreachable customer service number that I attempted from the web site. B of A issued me credits for the charges in XXXX and the next few months, and continued to allow the XXXX XXXX to charge my credit card .At one point I was issued a new credit number and the merchant was still able to charge me services that I had been trying for 6 months to cancle. Bof A has refused to the last 2 months of charges.

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 2020-02-21 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: TX

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION WITHIN MY TRANSUNION REPORT THAT I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY

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 2020-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
My name is XXXX XXXX. Im relatively young and was montering my credit report. Everything was fine and my score was steadily going up. I did notice that i had one negative account that was in collections for a XXXX dollars. I havent recived any correspondence or phone calls for that matter. I found out by checking my credit report which is a shame especially when Im young and Im trying to establish good credit. contacted the debt collecting agency gave them {$40.00} and tell them to set up a payment arrangement they said they would and then that was it but it still showing that I missed a payment is showing that I have a derogatory public record now this kind of XXXX is why people get so upset when people try so hard you can see on my other accounts are just fine paid on time and now Im going to have an uphill battle to try to get my credit score back up and I dont even know if its legitimate because I had two health insurance at the time so did they even bill the health insurances also XXXX  always collects copays or any other money upfront that insurance wont cover! Why because there for profit! and not very Efficient professional and will never go to them again

Company response to consumer: Closed with explanation