vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I sent a payment of {$80.00} to a third party for concert tickets on XX/XX/2019. The person requested that the money be sent through XXXX, which is included as an online service through my bank, Wells Fargo. I sent the money and never received the tickets. The other party stopped responding to my attempts to contact them. I immediately contacted XXXX, but was told I needed to contact Wells. Wells told me that they could not stop or reverse the transaction, but they would open a fraud case. I asked if I should contact my local PD and was told it was not necessary. The Wells Fargo representative told me that the Fraud department would first need to determine that there was fraud involved, and that the other party did not suffer some sort of event like an accident that prevented them from completing the transaction. Once they have determined that it was fraud they would open a full investigation and would be contacting me for more information. The fraud department denied any restitution. I spoke to Wells customer service on XX/XX/XXXX and was told that the extend of the investigation is only to make sure that the money was sent to the appropriate account. No other steps were taken and I still see advertisements on XXXX all the time from the fraudulent party. Wells will not do any further investigation and XXXX will not work with me either. I had never used XXXX and was under the impression that they would offer consumer protection similar to other person to person money transfer services. I further expected that Wells would offer me protection and follow through on taking the steps they told me they would.

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 2019-07-30 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: CA

Complaint narrative:
Acct # : XXXX Acct type : Medical Collection  Furnisher : XXXX XXXX XXXX XXXX Dispute type : Incorrect information I requested to remove incorrect information from my credit history many times. Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. DEFINITELY, THE DATE OF 1ST DELINQUENCY IS INCORRECT, BECAUSE THERE IS NO STATEMENT VERIFYING IT, AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CA

Complaint narrative:
I have contacted XXXX over 21 times and I realize they have had huge breaches of data as well needlessly to say. My credit has tons of double inquiries and the strange address of where I have never lived. I gave them sufficient evidence and contacted XXXX XXXX XXXX twice to their corporate headquarters to please remove their XXXX, then the XXXX and still no resolution. 
Furthermore, regarding Trans Union, their beyond repairing after thirty five years of doing business with. I paid with auto pay to XXXX XXXX and the insurance company took too much out of my XXXX account after I canceled. They sent me a check for XXXX as well. They caused three over draft fees with my bank, but XXXX waived all of them. I sent Trans Union via certified mail sufficient evidence four times plus regular and they vehemently denied receiving it. I diligently called them as well which shows a strong commitment. 

I am exhausted of hearing people from other countries not caring at all. It's obvious and then they transfer me to start all over again. Trans Union does the exact same thing. I will file separately for this. My credit should be stellar. I have five inquiries for XXXX XXXX XXXX alone. Who the XXXX can't see that the picture is blurred. Enough with people who just don't care. 
Lastly, I sent this XXXX XXXX collection company the same documents and called but since I had to call the department of insurance over them raising my premiums constantly they retaliated against me. XXXX XXXX honest truth. 

Look, I have no reason to lie, I am dealing with the same XXXX XXXX that XXXX XXXX had and I don't have the time to waste and XXXX people. My time is extremely of value. So, calling Trans Union a hundred times really made me livid. I am following up with their headquarters as most importantly they blocked my online access. 

I thank you very much, no really! I mean I thank you for extremely for existence and some justification, otherwise this stuff would never end! It's garbage. 

Respectfully, 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 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I had an automatic debit come into my account that overdrafted it. I immediately transferred money from my savings account to my checking account to cover the amount. I was charged with a {$35.00} overdraft fee to my checking account and {$9.00} fee to my savings account. I asked the money grubbing, profit swilling XXXX at TD Bank to refund the charges and was told no. 

TD Bank made XXXX billion dollars in profit for the XXXX quarter of XXXX. In its announcement, it also cites benefits from the XXXX tax bill signed by XXXX. I got an extra {$20.00} a month from the tax bill. And this year, I had to pay more in federal income tax. But XXXX forbid TD Bank XXXX XXXX XXXX XXXX, who makes {$15.00} XXXX a year, gives back my {$44.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: ID

Complaint narrative:
I refinanced my Federal Student loans to XXXX XXXX and did not receive enough information from them regarding the fact that they would become private loans and the consequences of that decision. Recently ( XX/XX/XXXX ), my income level has been reduced significantly for the foreseeable future and I am having difficulty making my minimum payments. This unfortunately coincided with me restructuring my credit card debt and my credit score is below the minimum of XXXX for that company. I called and was able to receive forbearance for up to 12 months but that would ultimately increase my monthly payments. 
Complaint # 1 : extremely poor communication on the nature of refinancing my student loans initially Complaint # 2 : extremely poor customer service in being able to address my concerns without numerous calls and an inability to reach supervisors to address my circumstance ( calls made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, and earlier ) Complaint # 3 : they are unable and unwilling to provide any solutions othan than forbearance for up to 12  months, at which time I will go into default ( email notification of this recieved XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i tried to dispute these items for inaccuarate info on credit report. they refuse to correct or remove items listed. i pulled my credit report to see that the same inaccurate items exist on all XXXX cb..i demand that these items be removed do to cb 's are in violation of the fcra..

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 2019-07-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-07-30 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: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
A collection account with balance {$0.00}, but still open.I aldeas y discussed this issue with Company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: MS

Complaint narrative:
I have account Experian several times for over a year disputing the ownershio of an XXXX XXXX. Experian is systematically and fraudualently continuing to report this account information to bring harm to my name. I would like the computer fraud to stop. Experian is collecting money from companies like XXXX XXXX at any cost. Please stop.

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 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Servicing transfer in the middle of a loan modification : I submitted in a timely fashion a complete loan modification / loss mitigation application to my then loan servicer Ocwen who acknowledged receipt thereof ( loan modification application ) then transferred my loan to PHH - which, to date, I did not receive status of my previously submitted loan modification, no single point of contact, and I still have a foreclosure sale date of XX/XX/2019 looming ( dual tracking violation ) PHH is violation of both Federal and California homeowner protection laws and doesn't seem to care. I want to be given my legal right to save my home - please help. 

This is NOT a duplicate complaint. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXI AM A VICTIM OF THE XXXX BREACH. MY PERSONAL INFO WAS USE TO OBTAIN GOODS. PLEASE BLOCK THESE ACCOUNTS FROM MY PERSONAL INFO. 

XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX ARE ALL FRADULENT CHARGES FROM XXXX DATA BREACH. 

I HAVE OVER 100 FALSE INQUIRYS PLEASE BLOCK THESE INQUIRYS XXXX XXXX  XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX   XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i tried to dispute these items for inaccuarate info on credit report. they refuse to correct or remove items listed. i pulled my credit report to see that the same inaccurate items exist on all 3 cb..i demand that these items be removed do to cb 's are in violation of the fcra..

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 2019-07-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i tried to dispute these items for inaccuarate info on credit report. they refuse to correct or remove items listed. i pulled my credit report to see that the same inaccurate items exist on all 3 cb..i demand that these items be removed do to cb 's are in violation of the fcra..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: NC

Complaint narrative:
Experian stated that the account below has been updated and verified which i dont understand why if this is incorrect because a charged off account cant be reporting as past due and i clearly see XXXX past due, also they are reporting late which is illegal i need this removed

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 2019-07-30 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: DISCOVER BANK
State: MA

Complaint narrative:
2 Loans Opened for supplemental funding of XXXX Studies : Loan 1 : {$6200.00} ( Paid in full XX/XX/XXXX ) Loan 2 : {$2800.00} ( Paid in full XX/XX/XXXX ) As of XX/XX/XXXX my credit report still shows the following debt : Account # : {$6200.00} Account # : {$2800.00} I have taken out multiple loans with this incorrect debt impacting my credit score and available interest rates. Discover has been reporting invalid debt for over 4 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom has been mailing statements and all communications to the wrong address. 

When I called to get this error resolved, there was no explanation or apology - it just took a long time to find out that 5 months of information has been sent to the incorrect address. When I asked if they received anything from the post office stating it was the incorrect address ( the address they were using isn't an existing address ) he looked back and saw where they had been notified of the returned mail, but that no one had done anything about it to correct the error. 

At the end of the conversation I asked for my updated address to be confirmed - the representative read " XXXX  '' instead of " XXXX '' so I pressed further. He made the correction but said someone else must have done it since he only changed the numbers - when I asked if it was even likely someone would have edited my information to add an errant " r '' he said it was possible. " XXXX  '' was not on the mail I eventually received, even with the incorrect house number, so either someone is randomly editing account information in the system or they don't seem to take much care on accurate servicing information. 

After all of that - no apology from the representative of Freedom.

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 2019-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
I got a {$2600.00} loan through Avio Credit in XXXX of XXXX. Since then, I have religiously paid the XXXX dollar fee. Since it is almost XXXX of XXXX it may surprise you to learn that I still owe $ 2400+ ( it certainly surprised me ). As of XXXX we moved to Missouri due to my father 's poor health and as such, my SSI benefits due to XXXX XXXX were cut almost in half making the act of making those efforts almost a Herculean task. I have looked for relief and everyone I have spoken to says that it sounds like predatory lending. Help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: SC

Complaint narrative:
I sent {$570.00} to XXXX using the online service of WorldRemit money transfer on XXXX XX/XX/2019 ( 5 days ago ) now today they start to asking me to send them my passport copies, driving license ( front and back ) bank statement, and AN SELFIE OF ME ( I still don't know what for ) then I have to call their agents to verbally say to them my address, phone number, the company I'm working for, why I'm sending the money, to whom and what is our relationship ( is only {$570.00} US dollars ) Five days after I send my money, WORLDREMIT do not deposit to the recipient, Mr. XXXX XXXX in XXXX, this means WordRemit is doing business with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have two auto accounts that XXXX XXXX XXXX XXXX claims to have closed in default. The one in dispute was closed on XX/XX/2014 with an outstanding balance of {$300.00}, which I later combined with another payment paying the other auto current at that time. They applied the payment to the other account, but apparently did not show the other account paid in full.

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