vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
Date : XX/XX/2021 Time:XXXX ( Mountain Standard Time ) Amount : {$200.00} destination : XXXX. 
I was sending these funds to my brother for a funeral. I received an email confirmation that the transaction had been sent successfully. 
Date : XX/XX/2021 Time : XXXX ( Mountain Standard Time ) Email notification from Moneygram : Transaction had been canceled.

I called Moneygram and they said that the receiver had rejected the funds. 
I called my brother and he stated that he did not receive any notification of the funds I was trying to send. 
Complaint : 1. Funds were removed from my account immediately.

2. The transaction was canceled by Moneygram 3. Why are the funds not returned to me immediately? Why do I have to wait for 3 to 10 business days to receive my funds when Moneygram is responsible for intercepting and canceling the transaction? 

My personal thoughts on this : My brother is a banker in XXXX. He informed me that there are people in IT who intercept transactions to trade ( Bitcoin/cryptocurrency trend ) and make profits before returning funds to the consumer. This is wrong if this is what happened here. I request that this be investigated because if you look at complaints that have been sent to XXXX and other platforms, more and more people are coming forward to say, something is wrong with Moneygram.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc.
State: CA

Complaint narrative:
Hello, these two collections accounts were deleted from my credit many months ago due to inaccuracies ( XX/XX/2020 ) but has since reappeared. I have tried to inquiry about this account but have not received any response. This account needs to be deleted permanently as I have made several attempts to resolve this issue with no one responding. I have attached a copy of my credit report of when this account was NOT reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report, and not complying as per the FCRA, the bureaus are under breach of the law. 

I have not supplied proof under the doctrine of estoppel by silence, Engalhardt v. Gravers ( Mo ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please remove all fraudulent inquiries and accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/ identity theft, all is being investigated by the FTC . According to FCRA 6058 this information must be blocked immediately until the investigation is over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was charged lat fees when I have automated debit with the lender. Nobody is willing to help me, I called, I talked to the manager who asked me to send her my bank statement and there was no follow-up, extra charges are added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: GREAT WESTERN BANCORP, INC.
State: NE

Complaint narrative:
XX/XX/XXXX I began sending money to a company called XXXX. It was sent from my bank, Great Western Bank to XXXX XXXX out of New York. XXXX XXXX then sent it on to XXXX  via a service called XXXX. They were supposedly investing my money into Bitcoin. 

From XX/XX/XXXX until XXXX or XX/XX/XXXX I sent {$43000.00}. My account was growing rapidly up to $ XXXX by XX/XX/XXXX. Now I tried to begin withdrawing some of my money. At first they gave me the run around. Then they stopped communication all together. Subsequent efforts to withdraw money made it apparent that XXXX was a fake company. 

A company called " XXXX '' tells me that the bank as well as XXXX XXXX had a responsibility to protect me from the {$43000.00}. XXXX denies any responsibility and so does the bank. I have sent letters of request to the bank and to XXXX with no results. 

I will try to upload a copy of a letter sent to my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I made a check deposit for a little over XXXX into one of my checking accounts at Bank of America on XX/XX/21. Before signing the check I asked both the teller and the bank manager to tell me how long of a hold would be put on this deposit. I understand it takes a few days to clear at most! They said it would be a few days but wouldnt know until i deposit it. So I did deposit it and I was given a printed ticked with the split hold release dates and times. XXXX on XX/XX/21 @ XXXX and XXXX on XX/XX/21 @ XXXX. I called the bank that the check was drawn from. ( Which is a family trust THAT MY NAME IS ON by the way, not to mention relatives that have worked at this branch ) and verified the check has been cleared and money has left the account. Next I called B.O.A customer service where XXXX from Montana told me that its because the original bank wont release the fund so they had to extend it. It will be in my account a week from tomorrow. There is nothing they can do and its not BOAs fault. Well the teller and manager at the depositing branch lied, the Notice of Hold I received with my deposit lied and Customer Service phone agent lied. I will be contacting XXXX next and then my Lawyer. This has to be illegal. I was scheduled to put a deposit on a new home today which is why I asked the bank manager when my deposit will clear. The homeowner wont wait so I lost the house to the next offer who had deposit in hand. I hope your happy BOA!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
BBVA took over my simple.com account and now I am locked out cant login and access my funds. Their telephone support lines left me on hold for hours and hung up on me without a single interaction with a human

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I deposited a cashiers check i received for payment for some XXXX  work into my Capital One 360 checking account. After depositing it said funds would be available by XX/XX/2021. I received an email 2 days later that my funds had been deposited and I could tear up the check. I then went to look at my online account and it said my account was frozen but the money did show up on the available balance. I then went back to email to re read the email that I was sent. After finding that, re-reading to make sure I hadn't missed something, I found another email from later the same day or the next day with a number to call. I called the number for Capital One, this was Saturday before mother 's day and they were closed. So I called Monday. I was on hold waiting for over an hour. When I finally got someone she asked me to hold so she could review in which after a couple minutes the phone hung up so I had to call and go thru the same thing again. 3 hours later a lady gets on the phone and tells me my relationship with the bank had ended and that the lady before had explained that to me. I told her I didnt know what she was talking about since I had not gotten to talk to the other lady. She was pretty rude wouldn't explain anything, and told me the only way I could get any money before they decided to give it to me was if I went to the atm and called them, to go thru the wait I went thru to get to her I imagine. Not my account page shows the check funds no longer available as they were before and the check is on hold but my balance still shows the check. The check is about XXXX. I dont understandhow or why they would do any of this. Yall act like I did something wrong. And then telling me I can't get my money unless I go there and call them so I can get any money is the most outlandish thing ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I checked my credit report on credit karma and realized I had inquires on my report that I don't recognize, they are all from 2021 Inquiry disputes XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Capital one bank XXXX XXXX Capital one auto financing XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I've tried disputing this debt with XXXX XXXX as well as XXXX because the debt is not mine. My identity was used to obtain a phone line that I did not request and I do not know the year this was originally opened because it is not displayed properly on my credit report. I've been on a Family members phone line and for a long time and do not have my own XXXX Account and never did. My Social Security Number & Identity has been stolen and used in the past. I even have a freeze on my credit as well as a Fraud Alert because of this and trying to remove this debt has been hard because it is not 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 2021-05-11 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: Convergent Resources, Inc.
State: VA

Complaint narrative:
I have tried to fix this erroneous reporting with This company so many times and now Im forced to file a lawsuit to get it fixed. This XXXX XXXX is simply not my account. Ive asked for validation and still Ive not received any type of validation. Its been over a year and still here reporting FRAUD! Im suing for but not limited to Defamation and Violation of FCRA. If this company is willing to fix its erroneous reporting I am willing to withdraw the lawsuit. Until then, Ill see them in court!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A company by the name of XXXX XXXX XXXX  charged me for staying at a property from XX/XX/XXXX - XX/XX/XXXX. There was an altercation that unnecessarily escalated due to the involvement of XXXX XXXX  which resulted in the police being called, in-which, I requested the police provide a police report to serve as record. I agreed to vacate the premises immediately only if my remaining balance for the stay was returned. Miraculously, no one was available to confirm however I was promised this would happen and I sent an email to confirm for the record. When it did not happen, I felt the need to dispute the charge with Capital One which I corroborated with the email I sent confirming I vacated the premisses and confirmation of a new reservation. The vendor then responded with a summery of inaccurate events. One of which accused myself and the occupants of smoking XXXX which is nowhere in the police report. We are all back and have locks, therefore, I can only conclude that such false accusations are in direct violation of my civil rights. Despite the evidence provided, Capital One refused to respond to the additional proof provided and has refused to reinvestigate which violates there pledge to the safety of my account. Please note that both establishments have not only violated my universal declaration of human rights but also my civil rights and regulatory pledge to the safety of my finances. Based on the clarity of the of the images provided ( attached ), the absence of the address in-which I allegedly stayed, and missing signatures/confirmation that this was truly me, it's evident that Capital One is basing it's decision on the false summery provided by the vendor. Based on these facts, following this complaint, I will be presenting this case to the department of justice, Bureau of Democracy, Human Rights, and Labor, FDIC, and the Federal Reserve as this is the second case of despair that Capital One is at the root of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021, I reported to Citibank that I was scammed. I explained that I received a text from XXXX saying they were from the company XXXX and that they were refunding me for an item I returned which I purchased from XXXX. However, the amount of the refund was incorrect. I googled the number for XXXX XXXX customer service and got XXXX. I called and was told they would refund the correct amount instantly and did not have to wait 7-10 days because they were going to send it instantly to my bank. The representative had me install an app that allowed him to see my phone and guided me to set up a dummy account on XXXX. He said I would need to enter a code using XXXX and to send this code to this dummy account. The dummy account name was XXXX. The code was XXXX. Then I was asked to enter XXXX. It turns out I was sending funds to this account and that I was not speaking to XXXX. The text was encrypted in a way that when I XXXX  the 800 number for XXXX, I took me to theses scammers instead. When I realized I was scammed, I hung up and called Citibank. It took a while to get a representative on the line. I tried to get Citibank to cancel these transactions, but the representative said it had already moved out of my account. The scammer called me back from a XXXX number six times. I picked up once and told them I was calling my bank. He insisted that he was not taking my money and that he was on a recorded line and did not want to lose his job. Then he texted me telling me that the bank would not give me a dime because the transactions were still pending. Then he texted that I had only 5 minutes to get the refund. I am attaching a copy of these text. 

I filed a claim with Citibank, who gave me provisional credit for the transactions, but then they withdrew the funds back from my account stating that I authorized someone to conduct these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I got an auto loan from Wells Fargo in XXXX for a XXXX vehicle. I have made 72 payments. In XX/XX/XXXX I contracted COVID and missed 2 payments. Wells Fargo has now changed off my auto loan and are looking to repossess my vehicle After contacting them they are telling me I still owe an additional XXXX. The sale price of the vehicle was XXXX. I traded in a paid in full XXXX XXXX and gave {$2000.00} cash. I thought I financed XXXX but after speaking to them I was advised that XXXX was financed with over XXXX additional in interest. I have paid XXXX for 72 months. How is this possible that I still owe them this much 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 explanation
Consumer complaint received 2021-05-11 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: PA

Complaint narrative:
Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to EQUIFAX, XXXX and XXXX  asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called EQUIFAX, XXXX  and XXXX as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: OK

Complaint narrative:
I have sent 3 times certified with return receipt in total of for a debt that is still on my credit over year that is not mine. I have asked copy of my signed contract or any signed agreement between me and the supposed debt obligation. They have only harassed my phone during regular hours and after hours of XXXX. I have received calls up to XXXX XXXX. They have made multiple duplicate negative entries on all 3 of my credit reports. I have reached out also by phone with nothing but disgust and being lied to about to the legal protocols of credit, debt collection and what I am supposed to pay them. I have never worked with a company that shows such a disregard for people or the law. When I bring up the FDCPA they respond with try to enforce it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I applied to Amerisave in early XXXX as regards refinancing two properties.

I was convinced that the process would be timely and that at all points there would be a loan officer who would help the process along. 
I specifically requested to know if they thought I had a good chance of success with the loan application and was assured I did. 
I think I did too, but did not want to waste my time, energy or money. 
I have five rentals all rented out 100 % of the time XXXX. I have a restaurant that is OPEN and doing business at 80 % of sales XX/XX/XXXX compared toXX/XX/XXXX. 
The business has received that 20 % income shortfall in grants - thus no actual loss year on year. 
Not to mention my personal income has increased, due to staff not returning I have worked those shifts and received $ XXXX in tips/wages. 
Everything is verifiable with W2, audited and submitted Tax returns etc.Everything was submitted ti Amerisave.

The process became unprofessional with repeat requests for the same documents. Multiple requests for profit and loss reports ( three, each time costing {$600.00} ), and of course two appraisals at {$500.00} each. I could not speak to a person and when I finally did they apologized that they had not assigned both mortgage applications to the same agent. 

I have received no explanation as to why I have been denied. 
I was not requesting money out from the current mortgages. This was a pure re-fi. 

Had I been told the parameters for a successful application from the start, which I did request, then I would have been able to make a decision as to go forward or not. 

I feel duped and cajoled into making an ultimately unsuccessful application which has cost me money, time and sapped my energy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief