vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I have an account with the money transfer service Transferwise. 

On XX/XX/2019, I received an e-mail about a money transfer being sent to a recipient in the XXXX, which I did not recognize nor authorize, in the amount of XXXX US Dollars. 

I contacted Transferwise and they informed me the money had already been sent and wasn't recoverable.

I strongly believe my Transferwise account was hacked into and this person used saved payment data to make a transfer to themselves ( or a fake alias ).

Once I logged onto my bank accounts and cards and noticed no money was taken out of my accounts, I immediately contacted Transferwise again to inquire how could the transfer be completed and the money sent, and no transaction be showing in either of my bank accounts. They informed me, then, that the payment method used was a Debit Card from XXXX XXXX XXXX. I do not have nor did ever have business with that bank institution. 

After realizing the money that funded my transaction had not come from my personal accounts, Transferwise said the matter was resolved. 

However, I called XXXX XXXX XXXX to inquire if any accounts had been opened using my personal data and they were unable to find any accounts under my name ( and all possible variations ), nor my Social Security Number. 

My best guess is some fraudster ( details below obtained from the Transferwise Transaction receipt ) used my account and someone else 's payment info to make this XXXX US Dollars transfer. 

I did inform XXXX XXXX of that, and did forward a copy of the transaction receipt to their representative XXXX XXXX, who was very helpful in trying to find if any accounts had been opened under my name or SSN. 

This is all the information I was able to retrieve from the recipient to which the money transfer was sent. I managed to obtain the following details in the Transfer Receipt : Recipient Details Recipient : XXXX XXXX Order Number : XXXX Address : XXXX XXXX XXXX., XXXX, XXXX, XXXX XXXX Phone : XXXX XXXX XXXX Bank Account Details Sort Code : XXXX IBAN : XXXX IBAN BIC : XXXX Account Number : XXXX I have also submitted a report with the National Fraud & Cyber Crime Reporting Center in the XXXX XXXX, home of the Recipient of the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I would like a full investigation as to why PennyMac denied me for a loan modification Loan # XXXX. I fell on hard times last year XXXX and fell behind several months on my payment, I contacted PennyMac for solutions but I was told that i did not qualify because of my financial situation, I was directed to call them back if my financial situation improved so I could be evaluated for a solution. XX/XX/XXXX I got a new job and started making enough to cover all my needs, I started a modification process with PennyMac as of XX/XX/XXXX and was NEVER given a single point of contact, I've been bounced around from one representative after another with no progress. Last assigned representative is this XXXX XXXX lady who has been anything BUT helpful XXXX XXXX Ext XXXX, I've had to submit the same documents endless times and I was also told by her and other representatives that the foreclosure process would STOP until the modification process was over which did not happen. I found out that I have my foreclosure sale date on XX/XX/XXXX AND I WAS STILL SUBMITTING DOCUMENTS TO THIS XXXX LADY LAST WEEK!!!! I WAS ALSO CONTACTED BY AN APPRAISER FROM PENNYMAC WANTING TO DO A FULL APPRAISAL ON THE PROPERTY ON FRIDAY XX/XX/XXXX. It is my believe that PennyMac had no intention of letting me keep my home that's why they were processing the modification and foreclosure at the same time and even ordered the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I gave proper notice in 2015 to notify my apartment complex of my moving out. I found out years later when I tried to rent another apartment that XXXX XXXX XXXX put me in collections for XXXX! Even though I gave them written notice 60 days in advance. So now im a single mom, trying to get my life together, and XXXX. My son and I got denied for an apartment and literally have no place to live. I am a hard working good person trying to make life better for my son. This is an unwarranted ridiculous, 5 year old debt which is the ONLY thing stopping me from renting an apartment. The property, XXXX XXXX has no record of my debt, Ive called several times just to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
RE : Account # # XXXX I have attempted to dispute this account various times and each time the dispute returned as verified, reported accurately. I have even mailed in a method of verification for this account and have recieved nothing but an updated credit report each time. No response as to how, why or what they used to verify this account is accurately reporting, let alone that this account able to be reported to my credit file per FCRA. I have mailed this company multiple times asking for validation and each time the they have either failed to respond or have not produce anything showing such. 

You will see in my letters dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX that I have repeatedly made these offers. XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XXXX XX/XX/XXXX however as a courtesy I gave them another 17 days to respond which they did not. This settled the matter, once and for all, on XXXX XX/XX/XXXX. 

It seems to me that there is no original instrument of indebtedness in existence, which again settles the matter legally and financially. As of the date of this letter XX/XX/XXXX, I still have not received an instrument of indebtedness. I hereby request that you would remove Acct # XXXX. 


Also attached are a copy of the letters i sent, as well a certified mail receipts and return receipts showing that these letters were sent and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Atlantic Mortgage and Funding, Inc.
State: VA

Complaint narrative:
In the past month, I have received over 10 solicitations to refinance my VA home mortgage. They range from poorly written to devious in their aim to convince me that I should not miss this opportunity to refinance. Many center around some " waiting period '' or the " IRRRL ''  program which I did not even know existed. My personal complaint is that I hate receiving paper mail in the first place because it wastes my time and I have to dispose of it with a shredder to avoid proliferating my information. I also believe that these letters are unethical business practice targeted at ignorant consumers. I hope there are not people who respond to them, but I am sure there are. It should be illegal to send this garbage to me. If I want to refinance my VA loan, then I will seek out a lender. I have retained the letters in case you want more information. As of today I am at 12 of them in less than 30 days. To me that adds up to harassment by the industry as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted Experian about a dispute that I couldn't file online and I was transferred over to their Fraud department. I explained that there was a residence on the credit report that I've never lived at and the Customer Service representative told me that because I had mail forwarded to the residence that I couldn't remove it. That makes no sense to me because technically I haven't lived with the Owner of the home for 10 years in a previous residence. At the end of the day, when I account for the situation the owner of that home eventually stopped sending and therefore I stopped receiving my mail. I moved into an employment program because of possible government involvement that constituted entrapment charges that I wasn't seeing served. After even more accounting into past events that would constitute possible other felony charges that are not being paid any attention at the current time although they've been communicated to federal law enforcement. That could be collusion but I have an international limitation situation that suggests foul play from a military branch so its a federal case and the owner of the home seems to be getting a pass. In response, I've made distance between myself and my parents. My mother 's address was removed and the owner of the other residence is my father. I do not wish to be held liable for the property because of my wish to pursue legal action for my own assets which seem to be caught up in whatever is going on with my information. Thank you for your attention in these matters and I would appreciate it if you could contact the Federal Trade Commission and inform them of this complaint. My email is XXXX and I can be reached by telephone at : ( XXXX ) XXXX. Have a nice day. 

XXXX 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 2019-03-12 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: Capital Accounts, LLC
State: SC

Complaint narrative:
On XX/XX/19, I filed a complaint with Capital Accounts on the CFPB website. The Companys response was incomplete and, in one instance contains, I believe, erroneous data. I was advised by the Consumer Financial Protection Bureau that the proper way to handle the situation was to file a new complaint to address the three outstanding issues. 
The first issue deals with the XXXX XXXX XXXX that Capital Accounts sent to me. It shows total charges of {$3100.00} with my insurance company ( XXXX XXXX ) paying only {$330.00}. This can not possibly be correct. I have excellent dental insurance through the XXXX XXXX XXXX XXXX XXXX XXXX. Depending on the service provided, the cost to me would be 75 %, 50 %, or free. 
The XXXX XXXX XXXX shows the payments from XXXX XXXX that were made. XXXX would have received an Explanation of Benefits ( EOB ) along with each payment. The EOB would show each line claimed and the amount paid. I believe the EOB will show XXXX failed to submit all the claims. Please have XXXX provide a copy of the EOBs so we can resolve this issue. 
In support of my comments re the levels of benefits that would be paid under my dental policy, Ive attached an EOB and some Pre-treatment estimates. 
Second, in their last response, Capital Accounts stated that they had accrued interest in the amount of {$530.00} but did not provide any details e.g. dates and amounts of the interest charges. Please do so. I would also like a copy of the agreement that I signed that allows me to be charged interest. In the absence of such an agreement, I have been advised that I can not be charged any interest. 
Third, in their last response, Capital Accounts said I have made {$500.00} in payments. Originally I had requested that Capital sent me a detailed schedule showing the dates and amounts of all payments so I could reconcile the payments to my records. They have not done so..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have submitted a request on XX/XX/XXXX asking for Ally to cease all contact with me via certified mail. I have being receiving letters from Ally repeatedly. I was told by Ally Financial Executive Customers Relation employee that all communication will cease as of XX/XX/XXXX. As of date they are sending letters. I have asked Ally to delete the derogatory information on all credit bureaus because they have re-aged and changed the account number in order to prolong keeping it on my credit. I dont understand how they can be allowed to harrass and get away with such illegal tactics.

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 2019-03-12 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: NJ

Complaint narrative:
Have tried to contact CITIBANK credit card company numerous times back in late XX/XX/XXXX. Left several voicemails for them to call me back but to no avail. The resolution to the disputed amount of {$100.00} charged by XXXX on XX/XX/XXXX was a decline to apply a credit back to my account. This charge is one of the few others that were being charged by the same merchant and was disputed successfully except for this one. 
Again, CITIBANK and/or XXXX failed to provide proof of authorization of this charge of {$100.00} nor to show what was the charge for. Terms & Agreements of Use of Citibank credit card supplied by customer service DO NOT in any where states that a mere present of a credit card would mean an authorization of purchase. Furthermore, base on Visa Credit Card company, credit card with a chip built-in & " chip scan ready " terminal at the merchant could waive a signature, ONLY APPLICABLE IN THE USA. 
CITIBank is not protecting the interest of its members and appears to be negligence in their investigation of possible misuse/fraud of my credit card info.by the merchant. How could charges kept appearing one after another on my statement AFTER full payment for the rental car was made. No proofs/documents of such can be produced by merchant nor CITIBANK.

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 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We purchased our house in XXXX, and am up to date on payments. Today XX/XX/2019 ) we received a yellow card in the email addressing my wife, " you have recently closed on this mortgage with [ our  mortgage company ]. We need you to please call us about an important matter regarding this loan. This is time sensitive so please call us at XXXX as soon as possible. 

Mortgage ID # [ number ] '' There is fine print at the bottom that says " All information provided by XXXX, XXXX. Not affiliated with, sponsored by, and loan information not provided by [ our mortgage company. '' This appears to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting me 120 days late on the XXXX - partial account # XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I went through a divorce and fell behind several payments, tried to modify with Carrington Mortgage Services to see if they would help me out while I got back on my feet but the only thing I got was a payment increase along with my loan balance. No other solution was given to us and we are now a few days from loosing our home. My loan # XXXX and my " point of contact '' is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are reporting me 120 days late on the XXXX - partial account # XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has {$0.00} balance and {$0.00} past due.

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 2019-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Account # XXXX Experian has failed repeatedly to follow FCRA compliance. On XXXX XXXX,2019  I mailed a dispute to experian through certified mail, notarized and return receipt and requested. 

This was a third request in which experian basically gave a XXXX you to me the consumer and to FCRA policy, for this to be a third request and Experian continues to do so means this is wilful. 


Please see letter experian cs The following information is what can be tracked via usps to prove such : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Please see letter experian XXXX In bold red at the bottom of the Letter, it states the following : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! 
NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY Please see letter experian cs instead of following what was requested under my rights of the FCRA Experian opened another dispute which gives them 30 days to XXXX me over again, instead of the 15 as requested and required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 


Attached is a copy of the letter sent dated XX/XX/XXXX and a screenshot of the dispute, that was opened.

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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I have disputed the information through the credit bureaus for the company XXXX XXXX. They have done an investigation that resulted in them removing the accounts from XXXX but left the account on XXXX report. The company has failed to submit proper documentation of the debt several times. The company is blatantly ignoring my requests and leaving the incorrect accounts on my XXXX  report. The company is violating my rights and causing blemishes to my credit report with in accurate information. The account is duplicated on my XXXX report as well for the amount of {$78.00}. The account should be removed promptly from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a Chase XXXX Credit Card was approved then after 3 weeks they closed my account without any reason, I reached out to a person that works in Chase and was told that I was on a so called " Blacklist '' with Chase.

I have never done anything wrong to Chase but 5 years ago my accounts with Chase were subpoenaed by the court for an investigation so they closed all my business accounts at that time. Since all this time has passed and I was approved I figured that is was all good.

Company response to consumer: Closed with explanation