vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-06 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/2017 I sent money to XXXX using money gram. However when my receiver went to pick up the money to XXXX they were not able to give it to him due a expired IDI so he call me back and said he submitted his renewal idi but he will get it in XX/XX/XXXX way to long so next day I called money gram and since that day I am still calling them every day 3 times at day and every time I have to explain them the same situation some of them had told me I am receiving less then what I 've sent so but at the end always they have been telling me the refund is pending, call back in 45 minutes. Or 48 hours or next day or tomorrow or let me transfer you. Then they hang up or said the same thing. I am afraid they end up not giving me my money back neither my receiver in XXXX. Please help me in this matter because I am getting upset about this situation and there is no one in moneygram staff that has been able to help me and give me my money back is been a week already. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX    XXXX    Third Federal i n  XXXX , oh presented a mortgage program called  Home Today  and they hire third party to come and teach the class who are scams to me. I went and wanted to know what this program was all about. I was not disappointed by any means. So, I went to the program a month which was every Tuesday at from  XXXX  to about  XXXX  and it was a joke ; yes they gave us food what a joke. But the pathetic part was when I went to counseling session with  XXXX   XXXX  with this program called  XXXX  and it was a joke the place was filthy and smelled and the lady would wonder in late telling me about her personal life her grand is sick. Okay, but that was not my concern and every time she had a scheme going on. Oh if you go to this bank and put in a  XXXX  dollars to build my credit and take it out in  two or three da ys but she did not tell me the full truth. I take it out but I would have to pay on the money I put in. How insane was that. Then she wanted me to try this guy okay gave it a shot he was a joke. He wanted me to give him my bank statement and have a conference call with student loan. At this point it became clear he was a wannabee. He wanted me to call the student loan so he could have a conference call and it was not happening. I told him if the she the manager does not believe you it 's useless. I  XXXX  at  XXXX  and told her I do n't trust him. I had to call  XXXX   XXXX  at third federal and tried to explain to her obviously she did not care and thought what this  XXXX  valentine has sad was true. This program is a farce and should not continue to go on. They denied one because I did not go with whatever they told me and they wanted me to be used as a simpleton or a puppet on a string.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: NM

Complaint narrative:
I had a R.E.S.P.A. sent out through a third party using certified mail to the servicing company and asked that if they are not the proper person to answer the request that they please forward to the correct party and inform me. I also sent a letter certified mail, informing the Trustee company that I had sent out a qualified R.E.S.P.A. I have not gotten the proper responce with the information that I requested. While I do not wish to avoid settlement of any lawful debt, it is both my duty and right to insure the proper party and the accuracy of the debt. While I was XXXX, I was in good standing with my mortgage. After collecting information from my wife, we were told that I qualified for a loan modification. When I found that the process they were going to use was to first get me in a default status, my wife requested that we just go back to the terms of the original loan. From that point, no matter what I did, the loan was never back in good standings. I am requesting the information because I want to keep my home. The only letter I have received from the company in regards to the R.E.S.P.A. is a letter acknowledging that they have received my request. That was sent to an old address that arrived a month or more after they sent it out in XX/XX/2017 and did not include anything I requested nor was it to the third party address as I requested. I requested that they stop the foreclosure process until this is resolved and they still threaten to foreclose soon. They have ignored my rights under SCRA as an XXXX soldier with this process they have taken to foreclose on my families home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I called XXXX and cancelled my service in early XX/XX/XXXX They did not cancel my service until late XX/XX/XXXX when I called because I received another bill. I went with XXXX on XX/XX/XXXX and cancelled the same day With XXXX. I have desputed it with them on several occasions. They have sent to several collection agencies and each time I have proven I did not owe the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: AZ

Complaint narrative:
Myfedloan sent m y wife a secure message on   XXXX   XXXX   XXXX   letting her know she had until   XXXX   XXXX   XXXX   to re-certify her pay as you earn program. We filed our taxes and re-certified within the 10 day grace period on   XXXX   XXXX   XXXX  . We did the same process this year as we did the year prior that worked fine. We completed the application and gave permission to link to the IRS for our tax documents.  Myfedloans sta ted they never received the financial information because of a broken link with the IRS. Furthermore they said they tried to contact us  two reg arding the incomplete application. Both attempts via regular email, suspiciously not using the secure message system they set up to confirm receipt of important messages. We received the secure message in   XXXX   letting us know we needed to re-certify, and it was n't until yesterday (  X/X/XXXX  ) that we received a secure message stating our new payment would be over {$5000.00}. Our jaws dropped. We called immediately and found out the situation. We went back to   XXXX   downloaded our application from   XXXX   XXXX   and forwarded it a second time to myfedloans with the financial info they said they never got. They have since fixed the pay-as-you earn program for   XXXX  . However, because of their error or your error with the IRS, they are trying to charge us over {$5000.00} on  X/XX/XXXX  ) and they want to capitalize all her unpaid interest. This is nuts.. We did nothing wrong and fedloans is out of control. They are supposed to help civilians with their loans.. not throw the book at us when they have a system error. Additionally, I not only want to deal with the    XXXX   XXXX    high payment &amp; Interest Capitalization, but I need to also confirm all my qualifying payments under both the  PAYE a nd  Public Service PAYE progr am. Then I need to find out why my principle which was paid down to around   XXXX   XXXX   XXXX  was pushed back up to   XXXX   XXXX   XXXX  even before this erroneous interest capitalization occurs/occurred. A  FedLoan rep  told me in her words to not be nit picky about my balance discrepancy when I point that out while trying to resolve the other issues. Seriously?!?!? This has the lawsuit agains t  XXXX  w ritten all over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did n't receive a proper response from XXXX or Experian as to how the result of Charges from XXXX XXXX XXXX XXXX, can be charged with 3 large amounts and they can verify your identity properly with the merchants bank and just call it a valid charge, and XXXX is telling me only to dispute the charges with the merchant and it 's not fraud, and basically the police report did nothing to supposedly " write off the charges ''. Words ca n't describe how frustrated that I am with them. I should have the charges removed and the account removed since I have charges on there, from almost 4 years ago, and none of them should have been stated as made by me, because I never saw any of the transaction go through at all regardless of what ones were signed for. It is against New York state law, called forgery in the second degree, when somebody unrelated to you forges your signature.

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 2017-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: PR

Complaint narrative:
I bought my house with XXXX ( XX/XX/XXXX ) who sold the loan to XXXX. XXXX added {$7000.00} to escrow ( XX/XX/XXXX ) with the excuse of taxes. In the midst of adding this fee and raising my FHA loan payment, they sold to LoanCare on XX/XX/XXXX. I never signed a paper or got any documents besides a new address for payments. I started paying LoanCare my original house payment. LoanCare has not credited payments to the account and has put me in default. I received some of these money orders back through mail. They are mutilated and have filed a refund investigation with the US Postal Service. All the while, these people never pick up the phone and I have never received any other communication rather than a bill. Why pay by mail? They charge {$19.00} to pay online and {$15.00} if you do by phone. I never asked to be transferred to this company. They have my address all wrong and I do n't always get my mail. Sometimes they do send it right, some other times they miss the street number and house number. Thus this has resulted in receiving old mail from them three months later. I have paid my mortgage and they refuse to receive my payments. The whole thing is a nightmare. They even want to impose their insurance policy which is XXXX times higher than my insurance policy. I had to provide paperwork three times before they stopped sending me letters. As of right now, all I want is for them to accept my payments, clear their mess and end this mental angst. I worked so hard to put a roof under my children and these people have turned our dream into a nightmare. These kind of companies, like LoanCare and XXXX, need to end their fraudulent practices. Inventing taxes out of nowhere, charging excessively and damaging people 's credit.

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 2017-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Prime Business Service, LLC
State: CA

Complaint narrative:
Prime Business Service is collecting on the same debt as the bank. THey are both reporting and damaging my credit. I have been fighting it and they claim it is valid. I have proof that they are duplicate reporting and collecting. They are in violation of the FCRA. This needs to be fixed or they need to be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In XX/XX/XXXX, I responded to an offer sent to me in the mail by American Express for a " Gold Card ''. At the time, I was a XXXX in college. I was approved for the card and used it for approximately one year. In XX/XX/XXXX, as a XXXX in college, I encountered severe financial difficulties and was unable to pay a {$1200.00} balance on the card. American Express refused to provide additional runway for payment, and subsequently closed my account and turned it over to collections. Between XX/XX/XXXX and XX/XX/XXXX, I was a struggling recent college graduate and was being hounded by the collection bureau hired by American Express. In XX/XX/XXXX, I settled the balance with the collection agency ( for less the the full amount owed ). The collection agency promised to me that this would not reflect negatively on my credit report, but that promise was not kept and the account was reported as a charge off. Fast forward to early XX/XX/XXXX, and my financial position had drastically improved. I attempted to refinance my student loans, but was denied because of the derogatory remark on my credit report from American Express. After several months of working with the American Express Credit Bureau Unit, I was promised that if I paid the remaining balance on the account ( {$300.00} ) then the derogatory remark on my credit report would be completely removed and that the account would show as paid in full. This is important because by making this change, the single derogatory remark on my report would be removed and I would be eligible to refinance my considerable student debt. American Express did indeed make a change to my report, however it was not the change they had promised me. The account now reads " Paid, was a charge off '', which is still a derogatory remark. upon escalating this issue with management at the American Express Credit Bureau Unit ( to a manager named XXXX XXXX ), he promised to review the recorded call in which a representative ( named XXXX ) made this promise to me. Earlier today, he informed me that he found no evidence of a promise. I feel taken advantage of and misled. I heeded the advice given to me by a representative of American Express, sent a considerable amount of money to the company, and am now being treated as a liar.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
This debt is should not be reported on my credit reports. I stopped seeing this Doctor at XXXX Hospital in XX/XX/2012. My life was in jeopardy and so was my unborn child. I never got to see the Doctor only the Nurse Practitioner. I was XXXX years old had XXXX. I was 5 or 6 months into my XXXX and these care givers had not even referred me to a XXXX doctor. On several occasions that I visited the office my Dr. that i was supposed to see would be setting in her office drinking coffee!! Before changing DRs I had been making extra payments that were arranged by their office to meet my insurance deductible. In XX/XX/XXXX I decided that this staff did not have my best interest at heart and switch Drs at this time all payments were made to the XXXX Hospital I had a XXXX balance. The Drs would not allow me to even see the Dr I was previously seeing before I became XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
RENT RECOVER ACCOUNT NUMBERs :  XXXX   XXXX / XXXX / XXXX  Address :  XXXX   XXXX   XXXX   XXXX  #  XXXX ,  XXXX , GA  XXXX  Phone : (  XXXX  )  XXXX  Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act  Section 611 [ 15 USC 1681I ]. You   have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify RENT RECOVER or any company associate with this account #  XXXX  and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report N otice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to a n account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission RENT RECOVER  acc #    XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.   Sincerely,  XXXX ,  XXXX   SOC  SEC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I opened an account with PenFed Credit Union back in XX/XX/XXXX. I credited the account with a XXXX dollars and never used that account again until today. So since there were no mouvements, they closed the account and sent the money to the previous address I used to live. I was not aware the account was closed. They never called or sent me an email. When I called on XX/XX/XXXX at XXXX, XXXX from PENFED told me they sent the check of {$100.00} to my previous address and I wo n't be reimbursed for that amount.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX, XXXX, CA XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CENTRAL FINL CONTROL acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation