vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-03 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: TX

Complaint narrative:
OnXX/XX/2019, I attempted to send {$1000.00} to my brother abroad via MoneyGramwebsite which I have used to send money on a monthly basis over the past 3-4 years. 

After filling the receivers information, I clicked the send button as I usually do, but this time it took me to an error page asking me to call a number to complete the transfer, so I thought there mighthave been something wrong with the information, therefore I reattempted to send money a second then a third time, both of which lead to the same error screen, thus I decided to use another online service to transfer money instead. 

Althoughthe transfer attempts have beenlabeled erroneous by MoneyGram ( I can supply you with screenshots from the webpage ), I was surprised to receive a notification from my bank onXX/XX/2019 that my checking account has reached zero causing an overdraft protection transfer from my savings along with applicable fees. I looked up my checking accountand was astonished to find that MoneyGram has charged me {$3000.00}, corresponding to 3 transfers in the amount of {$1000.00} each along with their transfer fees ( {$25.00} each ). I contacted MoneyGram who claimed they never took themoney and said it's a standard procedure for them to have the bank issue authorizations for requested transfers, but stated that this does not happen unless the transfers went through. 

I disputed the authorizations with my bank onXX/XX/2019, who promised to investigate this and refund the money in a maximum of 10 business days. MoneyGram, on the other hand, stated that the money should be back by end of business on XX/XX/2019, nevertheless the money has not been refundedas of today XX/XX/2019, and to make things worse these authorizations have been converted to posted transactions now. 

I spoke to MoneyGram 3 times so far, once on XX/XX/2019, again on XX/XX/2019 and a third time on XX/XX/2019 and every time they either say something close to : " the money should return very soon '', " your bank initiated the authorization and you should contact them '', or " we will investigate this and it will take 72 hours ''. 

I have been in a financial deficit of XXXX {$3000.00} from XX/XX/2019 to present time because of the repeated failings of MoneyGram to refund my money which they illegally took from my bank account for erroneous attempts of money transfer. Even if this was the result of a system error, the fact that they continue to handle it very bureaucratically with repeated deferrals of action and no regard to the sustained financial damages is extremely appalling. 

I am not sure if punitive damages can be pursued in this case because the company really snatched {$3000.00} from my account for no reason whatsoeverand repeatedly failed to initiate an immediate refund for almost 2 weeks. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover credit card my limited was {$4000.00} i always pay recurring from my bank account I have balance pay off never use the credit card for some reason credit get increased notice when login my account noticed discover continues taking money monthly call discover ask way continue taking money if pay off my balance customer service say the have very high balance I try to explain is impossible because a pay complete total amount with my tax. Customer service person said my credit was increased new car was send to my address never revive new card ask for investigation person send me new car never use this investigation went to south XXXX court district discover never presented to court day. XXXX and XXXX hotel send me letter apologize my information was Sposed never think some use identity moved get letter need to present to court. I try to login to my discover account to print my statement approved to see whenre this charged was made discover remove my access denial my privilege to login into account. I ask if that my account a have Right to get stamenst see what happen, I call discover multiple times asking for send me by mail old statement begins to the end was denied to send to me. Only need to pay the balance I submitted XXXX and XXXX nothing get resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I was offered the promotion that I will get a statement credit of {$40.00}, {$80.00} or {$120.00} on my XXXX XXXX Credit Card ( XXXX ) as a new customer if I were to register my XXXX before XX/XX/2018 ( XXXX XXXX XXXX ) ' which I'd register my XXXX  before the promotional date ( XX/XX/2018 ) and did not received my statement credit ever!!!!.

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 2019-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hood & Stacy, P.A.
State: AR

Complaint narrative:
Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over 23,000.00 dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact XXXX XXXX. XXXX XXXX sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and XXXX XXXX accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with XXXX XXXX. To no avail, XXXX XXXX  is suing me for deficiency of payment. XXXX XXXX  has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home. 

How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both XXXX XXXX and XXXX XXXX colluded together as they knew I could not make the payments with this predatory loan.

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 2019-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX, I made a purchase at Lowes that cost {$7500.00}. My Lowe 's agreement that my interest rate would be XXXX for 84 months. In XX/XX/XXXX, they added all of the interest from XXXX which caused them to over draft my account and raised my interest and monthly payments through the roof. I call Synchrony Bank and Lowe 's and whom ever entered my bill did it wrong. I made several attempts to get them to fix it. They default on their contract and holding me responsible for their mistakes. They fixed some of the problems, but said I was responsible for over {$600.00} interest fee and as today 's date other fees. They have turn this over to a debt collector ( XXXX XXXX XXXX ) and I refuse to pay it b/c I did nothing wrong and the company is making this my fault. Before this mess, I had great credit and always paid this bill on 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 monetary relief
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I was a victim of identity theft and several accounts were open under my information. I filed a police report against Power Finance. I have not received any emails or phone calls to get this resolved. I want this account to be deleted and removed from my files. Please see my police report that contains the date, amount and account information that was falsely opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: PA

Complaint narrative:
On XX/XX/2019, I received a collections letter from Allied Collection Services , Inc., to collect on an account from XXXX with a total balance due listing {$4400.00}. On that day, I also confirmed that they reported the overdue balance to XXXX and XXXX credit reporting agencies, and it's showing up as a derogatory account on both reports. I have never held nor do I currently hold an account through XXXX. Per the suggestion of the FTC IdentityTheft.gov site, I sent a certified letter to the collections agency reporting the fraud and including the required documents ( delivery confirmed on XX/XX/2019 ). As of today, Saturday, XX/XX/2019, I haven't received a response from the collections agency via mail, email, or telephone with documentation of the account nor is there any indication that they have begun the process of removing the account from either or both credit reports.

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 2019-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was consitantly making payments of {$280.00} for almost 6 months. However, when I tried to call Navient at the beginning of XXXX about how I cant afford to pay that much a month they pretty much told me that I have already been given the lowest payment plan they have. I am in the military and I am the sole source of finances to my wife and XXXX kids. I will be more than willing to make these payments if i could get them lowered. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a mortgage with Chase Mortgage. I have always paid on time and usually pay additional toward principal of approximately {$320.00} per month on a monthly mortgage bill ( PITI ) of approximately {$990.00} per month. I believe it was for my XX/XX/2018 statement when made my typic payment and over payment of {$1.00}, yet I realized the overpayment would be best used to pay other debts the following month. I called Chases customer service and they assured me it would be no problem to suspend these funds for and apply only what was due so that {$310.00} would be waiting in suspense for the following months payment of {$670.00}. This was documented as case number XXXX. The following month, I did make the payment per our agreement of {$670.00} on time yet Chase did not apply the suspended funds. This made me appear late to Chase even thought they committed to hold these funds in suspense awaiting my {$670.00} paynent. 
Soon after, I started receiving requests for mortgage assistance from Chase and knew there must be a problem with the commitment Chase had made. This late payment caused my credit score to go down approximately 63 points. This decrease caused XXXX XXXX to decrease a credit limit on one I my cards by {$11000.00}. XXXX XXXX XXXX decreased my credit line approximately {$2000.00}. These credit decreases of course had meaningful impacts on my credit utilization ratio by decreasing the denominator - this resulted in further negative impacts on my credit. Concurrent to all this, I spoke to a first level customer service rep who got my problem to a second level person named XXXX XXXX. Mr. XXXX listened to my concern but was more than a little rude. Regardless of his lack of empathy to my issue, over multiple calls, he did agree that Chase made an error and got the actual payment application corrected. He was unable to address the financially devastating impact that this bank error had on my credit score. Over  time after multiple calls, I requested escalation and was eventually offered access to XXXX XXXX. XXXX has a voicemail that does not allow for people to leave messages and only allows emails. I have emailed her multiple times and she has attempted to call me back during hours when I am at work as a school bus driver for my community. After I stopped aggressively pursuing her for a resolution that helped me reestablish my now destroyed credit, she was happy to stop calling me for a resolution. I am glad to forward these emails. I need Chase to assist me. Whether it is to extend me a credit card of {$20000.00} at favorable rates or some other solution that has the same positive effect as their error caused a financially devastating negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I did a harp in 2010 because my son was in a bad accident and I had to take care of him and fell behind. I did a loan mod which was supposed to catch me up and get me back on track. Instead of my loan amount being XXXX it is now XXXX. I was given assistance from the government and my lender put XXXX dollars on my loan and I now owe XXXX. I have made consistent payments and need someone to look into this for me. I keep asking questions and I dont get any answers. This company was nationstar and was know for predictory lending! I need help to look into this for me please. 

XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over XXXX dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact Ally Bank. Ally Bank sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and Ally Bank accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with Ally Bank. To no avail, Ally Bank is suing me for deficiency of payment. Ally Bank has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home. 

How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both Ally Bank and XXXX XXXX colluded together as they knew I could not make the payments with this predatory loan.

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 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
I checked my credit report and there was s derogatory mark place on by a Company called Midwest Recovery Systems, which I have never heard of or received any type of communication from. The company they are supposed to be XXXX XXXX XXXX, which I have never done business with, and they don't even exist where I live. I am trying to have the derogatory mark removed from my credit report, it affects it adversely. I also filed a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: GA

Complaint narrative:
This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX XXXX : XXXX - Opened XX/XX/XXXX XXXX XXXX : XXXX - Opened XX/XX/XXXX XXXX XXXX : XXXX - Opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: GA

Complaint narrative:
This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX   XXXX : XXXX - Opened XX/XX/XXXX XXXX CARD : XXXX - Opened XX/XX/XXXX XXXX CARD : XXXX - Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03 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: GA

Complaint narrative:
This is an attempt to correct my XXXX, EXPERIAN, and XXXX   credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX/ XXXX : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX CARD : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX CARD : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc.
State: OH

Complaint narrative:
I sent off a letter for the company to validate the debt they say I owe they sent me back a letter stating they did not have enough information when I included all the information I wanted to be validated I asked them to validate the amount of the debt how they came up with the amount who was the original creditor and several other questions they in return write me back asking me for supporting documentation and a list of other things I feel like this is a tactic for them to get me to validate the debt on my arm which I will not do because it is their responsibility first off this just appeared on my credit they never sent me a letter giving me a chance to even pay it

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