vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 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: VA

Complaint narrative:
Hello, Im writing to see if you can advocate on my behalf to Moneygram that I receive a refund for a transaction that they are holding funds for. They will not liberate the funds in the receiving country of XXXX and they are also refusing to refund that money to me as a sender until 90 days from now. This has to be illegal since they shouldnt have the right to hold funds for 90 days if the transaction can not be completed. 
I initiated a transaction with them on XX/XX/21 they withdrew the money from my XXXX  checking account the same day in the amount of {$2600.00}. 
They dated the transaction as processing on XX/XX/21 and sent an email saying funds were available to claim in the destination country of XXXX. 
They did not send any further communications and by the end of business on XX/XX/21 I called to ask where the money was. They proceeded to tell me that there was some sort of verification process I had to go through and that funds would be deposited within a couple of hours or up to 4 business days. 
I called yesterday, XX/XX/21, by the end of business to inquire about funds. They said there is an investigation pending and that it would take up to 90 days. 
I replied that it is unacceptable and to cancel the transaction to which they refused and said they would make a note of my preference and I had to wait and see. 
They also proceeded to blame the receiving bank in XXXX, who I contacted, and confirmed that they have absolutely nothing to do with Moneygram holding the money and that all they do is pay out the cash or deposit to account. They are not responsible for compliance nor liberating funds when they have been flagged. To this effect, Moneygram, is lying or ill-informing their employees on what to say. 
The money I sent is not money from illicit sources. I am a glass business owner and it is my salary. Moneygram should not be allowed to hold a customers money however long they want. These are funds that people send out of need not something to be played with. 
Please contact Moneygram on my behalf and demand that Transaction # XXXX be cancelled and refunded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: AZ

Complaint narrative:
I have not applied for anything and there was this inquiry for today on XX/XX/2021 and wanting to dispute it please and thank you i would greatly appreciate it the inquiry in under Credco

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am writing about the following account with Capital one : account # XXXX XXXX XXXX XXXX, credit limit {$3200.00}, opened on XX/XX/XXXX. 

Im an XXXX XXXX member of the US Armed forces, and I just want a fair solution to this problem. I have an excellent payment history with Capital one.

several violations and the negligence of Capital one. There is a 60 days late payment on XXXX XXXX reported on one of my Capital one accounts. They were saying it was a day late. Capital One misquoted me on the phone and gave me the wrong payment amount and due dates, as the phone app was glitchy and was not allowing me to make payments and see balances neither setup auto payments. 

My request is to get both XX/XX/XXXX and XX/XX/XXXX late remarks deleted. I hope we can solve this as soon as possible, however I am willing to get to the end of this situation and file a suit against Capital one if they deny my request. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
I did a Forbearance Protection Plan ( FPP ) on a property I own and after the time expired I started making the payments and now they want the past payments paid or they will foreclose on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I was approved for the Goldman Sachs/Apple credit card on XX/XX/2021 ; however, I have never been able to use the credit card because my " account is under review '' and restricted from spending. I have called the Apple/GS customer service line about 5-6 times and spoken to at least 9 people since to date ( XX/XX/2021 ). No one will tell me the reason my account has been under review ( despite there being no purchases made to be reviewed ) or will allow me to just close the account. I took the typical credit score hit by opening a new line of credit and now I do not have the benefit of using the credit line at all or closing it out. Last thing to note is that this restriction took place before I could even activate the physical card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I discovered that my Coinbase and Coinbase-XXXX accounts had been compromised, and all available funds ( about {$21000.00} ), were taken. As there are no phone numbers to call, I promptly reported the incident on Coinbases website and received an email notifying me that my complaint was recorder as Case # XXXX ( Exhibit XXXX ). 

On XX/XX/2021, I received an email from Coinbase with the subject ; Case # XXXX - Complaint # XXXX, indicating that on XX/XX/2021, an email was sent to me requesting to reset my password ( Exhibit 2 ). I never received such request.

It has been almost five months, getting close to half a year, since the incident was reported, and no resolution has been provided. The financial implications of the go beyond the loss of the account funds, as a result I will be facing are tax liabilities as well.

I recently learned that Coinbase publicly acknowledged that at least 6,000 accounts were hacked due to a flaw in an internal process, and their funds were stolen during the time and in a manner like how my account was compromised ( Exhibit 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I performed a one pay lease for the entire 36 month lease term ( e.g., pay the entire lease upfront ). However, GM/GM Financial does not properly calculate the Rent Charge/Interest due under the lease. In essence, GM Financial charges interest on the down payment, which results in paying interest on money that isn't actually loaned. 

The formula to determine the Rent Charge is : ( Adjusted Cap Cost + the Residual Value ) * the Money Factor * 36 ( 36 = the number of months in the term ). In my case, the total should have been approximately {$3400.00} ( XXXX ) XXXX. GM calculated approximately {$4900.00}, which was due to failing to take into account the cash down on the transaction. Here is GM 's calculation ( XXXX ) XXXX. 

GM 's failure to properly calculate the lease resulted in me being overcharged interest of approximately {$1400.00}. 

I've requested a refund from GM Financial, but the customer service representative didn't really understand how to calculate a lease or have any idea what I was talking about, so he was unable to help with the transaction. He told me that he would have someone call me, but no one ever called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had/have a PayPal account XXXX There is a {$54.00} balance. I never received any notices in my account about problems, but suddenly I couldn't send it receive any funds from the account. I contacted PayPal and was informed that I broke the agreement of the Terms and Conditions, but they would not ( told me they could not ) tell me how I did that. They will not allow me access to my funds, nor will they allow me to remove my bank or credit cards from my account. They only thing i have been about to find out about this is that they have 180 days to do something, but since I have no idea when this started I have no idea how long I have to wait, as well as that they may charge me up to {$2500.00} as a fee for what I did wrong ( though I still don't know what, if anything I did! ). And I feel like being tricked and scammed out of my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all credit reports : 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: IL

Complaint narrative:
Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all credit reports : 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 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 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
This is a complaint against Mr. Cooper, a mortgage servicing company. 

This company took over servicing my loan in XXXX, XXXX. My homeowners annual premium was due on XX/XX/XXXX. I received a letter from my insurance company on XX/XX/XXXX advising me that my homeowner 's premium had not been paid, and that my policy was in danger of being cancelled for non-payment. I sent an email to Mr. Cooper thru their website on XX/XX/XXXX, asking why that had not been paid when it was due. I received a " form '' email in response several days later, advising me that it would take them 7-10 days to research this. That was interesting, because I could check on their website and find out in less than a minute if it had been paid. Several days after this response (? ), I received ANOTHER " form '' email, telling me that my issue was bring forwarded to the insurance department for review, and that they would be in touch following their " investigation '' into this not being paid. In the meantime, I am receiving calls and letters from my insurance company AND my insurance agent wanting to know if I was going to pay the premium. I have not heard anything from Mr. Cooper since I was told that it had been forwarded to the insurance department. I have ZERO faith in this company to service my mortgage properly. Now I am going to have to double check to see if my property taxes are being paid on time, as well as my homeowner 's insurance. I have not had ANYONE from Mr. Cooper reach out to me by email or phone to tell me what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
Disputed with the company. The company received my disputes, and the latest one mailed and it was sent certified mail and signed for. It has now been over 45 days and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response.

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 2021-10-21 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: TN

Complaint narrative:
There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.

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 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I had 2 XXXX withdrawals from my Capital One checking account. As soon as I noticed them I called Capital One and put in a Fraud claim and locked my card. I have never used XXXX through Capital One and have only used it once many many months ago not through Capital One. They determined there was no fraud and denied my claim. I did not withdraw money or send money through XXXX. One amount was {$900.00} and the other was {$700.00}. I am filing a complaint. No one called me to discuss the matter or ask any more questions. Nor does it give me the ability to file an appeal. I would like my money back and close my account with them. I am a single mom and raising my granddaughters. Every penny matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Around XXXX XX/XX/XXXX my wife and I attempted to acquire a conventional home loan of {$110000.00}, through my bank, for a house we had found that was for sale. We had gotten the preapproval through my bank and had begun all the necessary steps in signing the loan contract. We had submitted all the necessary paperwork to get our credit score checked and we were told that our credit score was fine with what we were going for. Nothing seemed to be an issue until it came the week of signing the contract, around XXXX XX/XX/XXXX. My bank insisted on some work to be done on the house, some rotted wood that needed to be fixed. The seller had already notified all parties that they were NOT going to do any work on the house and it was selling " as is '', which my wife and I accepted and had planned for. My wife and the relator we had been working with had noticed a few oddities during the loan approval notice. My bank had required a letter from us explaining that my wife is my wife and that my bank was being odd for wanting this little bit fixed on the house. Even the bank employees we had been working with seemed to notice some odd behavior by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.

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 2021-10-21 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: TN

Complaint narrative:
There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TN

Complaint narrative:
Please be advised this is my First Written Request .The unverified items listed below remain on my credit report in violation of Federal Law. You are required under FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of FCRA you are required to promptly DELETE all information which can not be verified. 
ACCOUNTS : XXXX XXXX XXXX ( {$460.00} ) # XXXX & ( {$840.00} ) # XXXX, XXXX XXXX XXXX ( {$220.00} ) # XXXX, XXXX XXXX XXXX ( {$6200.00} ) # XXXX & ( {$220.00} ) # XXXX & ( {$150.00} ) # XXXX & ( {$150.00} ) # XXXX, XXXX XXXX XXXX ( {$380.00} ) # XXXX, XXXX XXXX XXXX XXXX  ( {$2200.00} ) # XXXX & ( {$1500.00} ) # XXXX, XXXX XXXX XXXX ( {$630.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$440.00} ) # XXXX, XXXX XXXX ( {$49.00} ) # XXXX, XXXX XXXX ( {$150.00} ) # XXXX, XXXX XXXX ( {$1600.00} ) # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX $ XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear Recipiant, The follow companies have violated United States Codes 16 CFR 642.3 - Prescreen opt-out notice. I was not given the " Prescreen opt-out notice ''.

To add insulate to injury, my personal credit score has been deleted! I can not get approved for any financing or credit cards. This is effecting my life.

I demand that my personal credit score be reset to XXXX with all credit bureaus. 

Below are the following Companies that violated 16 CFR SUB SEC. 642.3. XXXX Inquiry from XX/XX/2021 XXXX XXXX Capital One Inquiry from XX/XX/2021 Bank Capital One Inquiry from XX/XX/2021 Bank XXXX Inquiry from XX/XX/2021 Department & Variety Stores Page XXXX Inquiry from XX/XX/2021 Automotive XXXX XXXX Inquiry from XX/XX/2021 Finance XXXX XXXX XXXXnquiry from XX/XX/2021 Finance XXXX XXXX Inquiry from XX/XX/2021 Automotive XXXX XXXX Inquiry from XX/XX/2021 Credit Union XXXX XXXX  Inquiry from XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I immediately reported debit card fraud when identified. I advised Wells Fargo I was a victim of identity theft. The transactions with the card can be traced to benefit 3rd parties which I am not associated with. I received no benefit from the transactions. Wells fargo was made aware of data breach which allow for hackers to access documents, data, and to hijack text messages via programs like XXXX your phone and still erroneously classified every disputed transaction as valid. A law enforcement report was provided to Wells Fargo, which is an affidavit of claim. I am attempting to resolve this issue through regulators to avoid expensive litigation.

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