vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I have been a customer of MoneyGram for more than XXXX and on XX/XX/XXXX of 2023 I sent money to my Mother for medical needs via MoneyGram and this type transaction normally take about 5minutes for the receiver to obtain their money but today is XX/XX/XXXX of 2023 and the receiver ( XXXX XXXX XXXX XXXX ) still has not obtain the money ( {$2000.00} ). 
I called MoneyGram and they have not gave me a solution to this issue. 

I have been working really hard to save that money and send it to my mother because she needs it for medical expenses. 

I need my money back so i can send it another way because she needs it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Amount Paid : XXXX Payment date : XX/XX/2023 I called XXXX XXXX advised when I paid the account this will be deleted off my account. The information has not been deleted on the credit reporting bureaus.

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 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
IM SUBMITTING A COMPLAINT BECAUSE I HAVE ACCOUNT XXXX XXXX XXXX IS SHOWING UP ON MY CONSUMER CREDIT REPORT AS A CHARGE-OFF ACCOUNT CLOSED AND PASS DUE 30/60/90 DAYS XX/XX/XXXX. IT IS ILLEGAL TO FURNISH INCOME ON A CONSUMER REPORT. A CHARGE-OFF, ACCORDING TO THE IRS, IS INCOME AND YOU MUST FILE A 1099-C. AS IT STANDS I HAVE NOT RECEIVED A COPY OF THIS FORM. 
MY RIGHT AS A CONSUMER ARE PROTECTED UNDER TITLE 15 CHAPTER 41. 
15 USC1601 HIGHLIGHTS THE CONSUMER 'S INFORMED USE OF CREDIT.

AT THIS TIME THIS ALLEDGED CONSUMER CREDIT TRANSACTION WAS ENTERED I WAS UNINFORMED AND I DID NOT UNDERSTAND AS THE INFORMATION WAS NOT CLEAR AND CONSPICIOUS. CHAPTER 41 TITLE 15 THE AGREEMENT IS NULL AND VOID DUE TO THE COMPANY LACK OF DISCLOSURE.

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 2023-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MPOWER Financing, Public Benefit Corporation
State: NY

Complaint narrative:
On complain XXXX I asked MPower to clarify why I got a hard enquiry on my Credit Report. They send information about the date, but not about the hard inquiry. I have never requested a hard inquiry to be made on my Credit Score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I signed up for Bank of America credit card and was approved and used a balance transfer to finalize my other Credit Card at XXXX XXXX. 

I got my Bank of America card and the balance transfer did not occur. I did not hear back anything about this for 2 weeks so I assumed it wasn't going to work. 

I went ahead and paid in full the XXXX dollar balance on my XXXX XXXX and closed the account. ( to avoid interest ) Today, bank of america has the balance transfer pending as sent. I have called both banks and they told me to contact the other bank. This is very concerning since they do not know how to professionally handle this. I need a competent representative to help me resolve this. Escalating to the CFPB seems to be the only way they respond profesionally.

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The issues are with CapitalOne. 
- I requested CapitalOne to update my Social Security Number. They havent been able to do that since I first submitted the request on XXXX XXXX until today, XXXX XXXX. However, they denied my access to my information on my account for about 10 days now, so I cant see any information, cant pay for my balance either. That is after ten of hours of calls, talking to about 20 staff from CapitalOne ( credit, saving, customer service, technical support, fraud, customer protection, ID verification depts ), submitted the same documents no less than 4 times by fax, email, and upload to secured links. Every time I sent, I called them to make sure they received the docs, I would have confirmation they already received them, however, no update, and at the next call, another staff would tell me to submit all the docs again. 
- I also received an email from CapitalOne asking for my citizenship and threaten to close my account if I couldn't go to one of their branches to submit the exact same documents that i already shared ( and they already received according to confirmation from multiple staff on phone ), together with paperwork showing my citizenship, even though there is no branches of CapitalOne where I live. The email was from Customer Service and is not a No-reply one as there's no info saying " Dont reply to this email '', however, when I answered the email, theres no reply. 
- I received another email saying CapitalOne cant update my info with No explanation and tell me to call a number so I understand. I called the number, noone knew about my case, noone gave my an explanation. 
- Today is XXXX XXXX. I would have to pay for credit balance by XXXX every month to avoid penalty from CapitalOne. I asked multiple staff from Credit department on phone what if CapitalOne charged my unpaid balance because I couldnt pay as they themselves deny my access to my information, instead of answering my question, Credit card department and Technical support department have been passing me between them multiple times saying the other dept have to solve it. 
* My phone stores only 100 most recent calls, so only from XXXX XXXX as of today but I had multiple calls before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have contacted XXXX, Transunion, XXXX via certified mailed letter to remove addresses that arent associated with me and accounts that stated open and its been over 30days with no response or change to my 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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have contacted XXXX, XXXX, Equifax via certified mailed letter to remove addresses that arent associated with me and accounts that stated open and its been over 30days with no response or change to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have already reached out to Bank of America National Association I was told by XXXX a supervisor in funding they have completed the performance on XX/XX/2017. Performance transferring the principal to the principal account for the principal. Federal Reserve Act Section 16. Note Issues The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank. Misleading representation and hiding that disclosure.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to 15 U.S. Code 1681Congressional purposes, it is the purpose of the subchapter to require that consumer reporting agencies adopt reasonable procedures, for meeting the needs of commerce for consumer credit, personal insurance, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter. 
There exist an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts, congressional purposes, and reasonable procedures prove that I have received a delivery of goods come to my home and search for the goods they say I received in possession of the goods or come and see my computer or tap into my bank account so you can see what these alleged possessions are as an a requirement under 15 US code 1681c-2 ( c ) ( 1 ) ( C ). please prove this hearsay is not admissible. This is according to federal rules or procedure and evidence. Therefore, these accounts must be removed. You can not lawfully prove that I received any delivery of good services in money. These accounts are not related to transactions by meet the consumer, therefore as a result of this identity theft, these transactions must be removed and blocked.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have been trying to complete the process to get a home loan through the XXXX program and the counselor assigned to my profile is unable to pull my credit reports due to federal legislation. The error code is XXXX XXXX and it is indicating that consumer requested security freeze on file. The credit freeze was removed on all 3 bureaus on or around XX/XX/2023. As of XX/XX/2023, the counselor is still unable to pull my credit reports and scores due to credit freeze on the account that all 3 bureaus is telling me does not exist. I have called a 3 multiple times and none are frozen but clearly they are all still frozen since my counselor is getting this error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have been trying to complete the process to get a home loan through the XXXX program and the counselor assigned to my profile is unable to pull my credit reports due to federal legislation. The error code is XXXX XXXX and it is indicating that consumer requested security freeze on file. The credit freeze was removed on all 3 bureaus on or around XX/XX/2023. As of XX/XX/2023, the counselor is still unable to pull my credit reports and scores due to credit freeze on the account that all 3 bureaus is telling me does not exist. I have called a 3 multiple times and none are frozen but clearly they are all still frozen since my counselor is getting this error message.

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 2023-03-13 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have not used that credit card for months or more than a year, they are charging a false balance, I do not owe a penny to that credit card, it is damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I was in a forbearance process with my lender and I was making arrangements to do payment options on XX/XX/2023. The lender refused to accept payments saying that they can not release any information to me. They has been no document to support anything they are saying about the account. I have spoken to supervisor of lender and he stated that they will not be able to send anything in writing. I need assistance what I can do to resolve 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 2023-03-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XXXX, I disputed a charge of {$44.00} to Chime. I had ordered from XXXX, and was informed by Chime that my card was declined. I then placed another order with a different card, as I assumed the order placed on my Chime card did not go through, but when I went back to the app, I now had two active orders. XXXX refused to cancel either. 
I filed a dispute with Chime on XXXX by phone, followed up by emailed documentation. I consistently followed up for several weeks, but eventually closed my Chime account- my bank informed me that Chime was actually lowering my credit because they won't look at credit built on a prepaid card, nor will most banking institutions. 
On XXXX I followed up, as it had been 270 days since I submitted the dispute. I was told that the dispute had been denied, but was not provided with the documentation for another 5 days. The documentation is undated, and relies entirely upon the response from XXXX. This is a problem because I never claimed the delivery did not show up, what I said is that my card was declined and so the order never should have gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe may be fraudulent and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, there are several unauthorized inquiries on my credit report that I do not recognize and did not authorize, which I am requesting to be removed immediately in accordance with my rights under the FCRA. 

The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX - Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX In addition, there are several accounts listed on my credit report that have questionable names and account numbers that I do not recognize, which I am disputing in accordance with my rights under the FCRA. The details of these accounts are as follows : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report, and I am requesting that you investigate these items and take appropriate action to remove them from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
This should be added to complaint number XXXX already filed on XX/XX/23. 
We have sent them three monthly payments, XXXX, XXXX and XXXX in the amounts of {$1300.00} ( Original payment {$1000.00} plus {$310.00} for escrow ) and they DO NOT apply anything towards the actual house payment of {$1000.00} which now has us in default. The argument is with the additional escrow they want NOT the house payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe may be fraudulent and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, there are several unauthorized inquiries on my credit report that I do not recognize and did not authorize, which I am requesting to be removed immediately in accordance with my rights under the FCRA. 

The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX  XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX In addition, there are several accounts listed on my credit report that have questionable names and account numbers that I do not recognize, which I am disputing in accordance with my rights under the FCRA. The details of these accounts are as follows : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report, and I am requesting that you investigate these items and take appropriate action to remove them from my credit report. Thank you for your attention to this matter. 

Sincerely, 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