vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH 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 2018-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
Twice, again, in one day. A phone call at XXXX XXXX CST and again at XXXX XXXX Just calls, does not leave a message. This happens at least twice a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/18 I requested an online a transfer of funds from my bank to a cash payout in a foreign country ( US to XXXX ). The documents and information all stipulated that the money would be available in 4 working days. ( XXXX, XXXX, XXXX & XXXX ) and the funds should have been available on the XX/XX/18 but they were not available. 
On XX/XX/18 XXXX XXXX  EST I called western union at XXXX and they informed me that the funds would be available in 23 hours. Their explanation was that there was a bank delay.

The only bank delay was WU processing to request and receive the funds from my bank, the funds were withdrawn on XX/XX/18. 
When I called Western Union ( WU ) to clarify the issue and see if they couldn't have the funds released as promised, I asked to speak to a supervisor and was transferred to a phone that was never answered after ringing for more than 30 minutes. 
There are two issues : 1. Western Union does not care to comply with their own deadlines 2. Western Union does not care about their customer by not being truthful and transferring complaints to telephones that are not attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX sent 33 pages to Wells Fargo at one time to begin with that i filled out which included bank statement, proof of my income and itemized lists of my bills etc and copy of tax return etc.. 

Over time more copies were sent. of other requests from them, Nothing ever happened as far as response from Wells Fargo, i was hoping to get a lower payment which the options were {$500.00} to {$900.00} but after all the paperwork etc i sent them i was not offered anything. 

I talked to XXXX XXXX My Executive Support Specialist assigned to me XXXX and he said he moved up the closure date from XX/XX/2019 to XX/XX/2019 to get everything through to save my losing my house ( XXXX ) start making a reduced payment every single month ( which i will do )

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 2018-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: HI

Complaint narrative:
While on vacation out of the country, the local branch of One Main financial attempted to contact my phone repeatedly every 10 mins. Then contacted my mother in Oklahoma. This is harassment and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 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: TN

Complaint narrative:
On XX/XX/2018, I sent {$50.00} to my niece in XXXX, XXXX. My niece is XXXX XXXX. The agent gave me XXXX as my confirmation number to give the receiver to pick up the money. When the receiver went to get the money, MoneyGram refused to give her the money saying the confirmation number was invalid. The receiver reached out to me and I called MoneyGram on Saturday, XX/XX/XXXX. The MoneyGram agent informed me after verifying my personal identifying information, that the confirmation number was not valid. she refused to give me the correct number saying that I needed to go to an agent location with a valid ID. I did. I visited the XXXX XXXX XXXX store on XXXX XXXX XXXX, XXXX, TN XXXX. I explained the purpose of my visit and the agent called MoneyGram. MoneyGram decided to issue a refund and provided a refund confirmation number - XXXX. However, I could not get the money. MoneyGram informed the agent that I needed to travel back to XXXX, GA to pick up the refund. I live in XXXX, TN and was visiting XXXX during the XXXX Holiday. I explained that I was unable to go back to XXXX. Even the store agent tried to explain to MoneyGram via telephone that I do live in XXXX and that she has verified my information. But MoneyGram refused and insisted that I must go back to Georgia. I left the agent location without getting my money back. 
Today, I called MoneyGram to resolve the issue. I spoke to the escalation department and told them the issue I was having in getting my refund. The escalation Department informed me that it would not be an issue to make a change from Georgia to Tennessee in order to get my refund. They advised that I needed to go back again to the agent location and let them call the escalation department so as to give them instruction to process the refund. I drove back to the agent location on XXXX XXXX and the agent called MoneyGram again from the store phone. I heard the agent informing them that the customer does live in XXXX. She asked for my ID and I provided my Tennessee Driver 's License and she gave it to MoneyGram over the telephone. To my dismay, MoneyGram still refused to give my refund but insisted again that I needed to go back to Georgia where I ordinated the transaction. Even the store agent argued that she did not see the rationale why the customer must go back to Georgia. MoneyGram refused and ended the call somehow impolitely. I called the escalation department again but I could not get any help to get my money back. I informed them that I would file a complaint with the CFPB. This is what I am now doing. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Time Investment Company, Inc.
State: NM

Complaint narrative:
I purchased ( financed ) a water filtration system through Time Investment Company , Inc. for our home. There was various issues and I disputed the debt. I ended up filing a lawsuit against Time Investment Company , Inc. and XXXX XXXX XXXX which was sent to arbitration ( still pending ). I was being harassed by Time Investment Company, Inc with their non-stop phone calls and emails. I eventually sent them a seize and desist order to cease all communication certified return receipt and it was received and signed by XXXX XXXX on XX/XX/18. They violated my seize and desist order, this is a violation of my rights under Section 806 of the Harassment Act and Section 805 of The Privacy Act of the Fair Debt and Collection Practices Act ( federal statutes ). Please look into this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
ON XX/XX/18 AT XXXX, I GOT A CALL FROM CREDIT PROTECTION ASSOCIATION . THEY LEFT A MESSAGE WITH THE MINI MIRANDA. I  WORK IN XXXX XXXX AND I KNOW FOR A FACT UNDER FDCPA REGULATIONS, THEY ARE NOT ALLOWED TO LEAVE MESSAGES. I AM NOT DISPUTING THE DEBT, I HAVE ALREADY PAID THE DEBT AND HAVE PROOF.

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 2018-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I opened up a virtual checking account with PNC Bank in XX/XX/2018 online. Everything was fine until XX/XX/2018 when I was charged a {$15.00} service fee. My balance was about {$300.00} at that time and after the service charge fee my balance went down to {$290.00}. I've called customer service on XX/XX/2018 to inquire why I was charged a service fee. I was told that I had to keep at least {$2000.00} in my account to avoid the fee. 

I was not aware of this fee, I was not told I had to keep {$2000.00} in the account, I haven't received any " welcome package '' where it would be disclosed. Even when I was looking inside of my online account for any fees there was nothing disclosed. The disclosure of the fees is quite hidden and only if the account holder is OFFLINE and it is very hard to find. 

This is a deceptive marketing strategy to charge customers with monthly fees. If I knew I had to park {$2000.00} in a checking account ( interest free ) I would never open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This complaint will be against Experian. This company won't allow me to dispute issues on my credit report. Whenever I submit a dispute through Experian, they never investigate my online disputes. They literally comeback with the results of the dispute less than three business days with no action taken. The worse thing is that they won't let me open a new dispute because they believe that I already previously submitted a dispute but they never investigate my online disputes. This is unlike XXXX or XXXX. Please fix this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I piad off my balance in full on XX/XX/XXXX statement and i see a charge for interest fee that I don't understand. They give a reason of revolving balance for last month but make no sense to me on this statement. I understand on XX/XX/XXXX Statement I didn't pay in full and carry a small amount over to XX/XX/XXXX statement that dont explains why they charge this amount of interest fee from last month. Yes I used the card on the month but the charge balances and interest should be pay on next month not charge me early within the statement period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
The company is Lendmark Financial in XXXX NC. These people, especially XXXX and XXXX call everyday, even on Saturday. I explain to these people to expect payment soon, as I am trying, to catch up. They then begin to lecture me in paying. What you will not do, is lecture and expect payment as well! I am not a child! Every day they are calling me! If this continues, they will owe me {$500.00} per call. I will continue to charge them until the loan is forgiven. I took a second job to get caught up. If I do not answer my phone, these people continue to call. It is not a game nor a joke. 
This office even has the main office in XXXX NC calling me. This office is in XXXX NC. This stops here. If these people continue to call, I will consider that harassment and take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: NY

Complaint narrative:
I am contacting your company because Trans Union and  XXXX Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Opened XX/XX/2015 +  {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both Trans Union and XXXX  about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.

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 2018-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: CO

Complaint narrative:
I have paid this account in full as I thought it would resolve the issue of it reporting on my credit. I looked into this account further and found out that this is not even my account and I tried disputing it but the credit bureaus never even looked into it. There was no dispute verbiage ever placed on my credit report. I want this collection disputed as this collection does NOT belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX, son and authorized to speak on my Mom 's behalf. On XX/XX/18 my Mom, XXXX XXXX sent a check for {$2500.00} for the mortgage. I contacted Mr. Cooper about setting up a repayment plan on XX/XX/XXXX. I was informed by the representative that they haven't cashed the check as of XX/XX/18. The loan # is XXXX. I would like to have a better understanding about how the repayment plan will be set up and if payment can be set up so we can get back on track with the mortgage? We are really trying to keep our home, my Mom has XXXX XXXX XXXX and she is XXXX years of age. Can we have a payment restructured so that the home mortgage is caught up? I can be reached at XXXX or XXXX XXXX 's # XXXX. Thank you! XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
On XX/XX/XXXX I received a billing statement for my mortgage ( #  XXXX ) for payment due on XX/XX/XXXX. Statebridge Company, the service ( r ) of my loan, has fraudulently assessed me for forced placed insurance even though I have provided them with proof of coverage ( insurance ) on more than one occasion. Each billing statement I continue to receive, listing charges for unnecessary forced insurance, will be considered a separate count of fraud.

Statebridge Company has reported my account as being delinquent, to the credit bureaus, causing my credit score to drop 49 points. This is causing me to suffer financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am contacting your company because XXXX XXXX and XXXX Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   Portfolio Recovery Opened XX/XX/2015 + {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both XXXX XXXX and XXXX  about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: NY

Complaint narrative:
I am contacting your company because XXXX XXXX and Experian Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  OpenedXX/XX/2015 +  {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both XXXX XXXX and Experian about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.

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 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper refuses to acknowledge my request for short paying my property taxes to help keep my monthly payments low so I do not struggle financially each month. I explicitly requested that they short pay the initial installment on XX/XX/2018 and they did not follow my instructions and instead paid the full amount. When I attempted to write to them to advise of this, they did not want to write back a resolution. I will not trust this company verbally to resolve and want everything in writing from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
PENNSYLVANIA credit statues of limitations is up to 7 years and it should NOT be on the report anymore.
This acound was closed in XX/XX/XXXX. It is more than 7years.
However, they reported a wrong date, late payment was XX/XX/XXXX.
It is not correct imformation. They reported the wrong date. 
It should be fix and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX/XX/XX/2018, I was notified that my loan was transferred from XXXX XXXX XXXX  to Fay Servicing. I was told all conditions, payments etc would remain the same. After paying 3 months at my regular payment amount of {$1700.00} during the transition period, the new provider suddenly goes up {$120.00}, now requiring a new monthly payment of {$1800.00}. 

This was NEVER discussed or disclosed during the loan acquisition process. When I called Fay to discuss, they said my escrow account was all of sudden " short ''. They then said it was outlined in an escrow analysis which I NEVER received. When I asked to please have it sent to me, I again NEVER received it. I tried again to call for additional information and the agents were no helpful AT ALL. 

Now to maintain my excellent payment history and credit, I am FORCE to pay an additional {$120.00} per month, that was not disclosed or explained properly. I feel whatever escrow shortage there may be should be worked with the previous lender that bought the loan from which was XXXX XXXX XXXX. They simply sent me a new bill with a new amount.

Company response to consumer: Closed with explanation