vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL

Complaint narrative:
I sent XXXX dollars to my friend in XXXX that I send money to often to have things done to and for my home in XXXX. When he went to get the money, with his I.D . and the ref. number and was given the run around at every place that he went to get the money from MoneyGram. Then at the last place that he went they wanted me to call a XXXX speaking MoneyGram number in XXXX. I called the number on my receipt and when I complained 2 different people started asking questions that were none of there business like do you know this person, why am I sending him money and what am I sending the money for and I told them he was taking care of things being done at my home. They continued invading my privacy to the point I told them it was none of there business and issued a refund. This company should not be allowed to have a business if they don't intend to do the service anyway. I really hope the government doesn't own this to get involved in peoples business. I really would like some kind of action against them and I would like a reply from you. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX submitted a hard credit inquiry. 

I did not give Chase permission to do a hard credit inquiry. I was considering a home equity line of credit and decided not to pursue it ; therefore, I never filed or signed anything agreeing to let them pull credit. 

This should be removed from my hard credit inquiries. 

There were no signed contracts or agreements for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I already started a dispute with the 3 agencies XXXX, XXXX  and Experian, and last one, insist that I got one missed payment with XXXX, I sent to all agencies the evidence and XXXX and XXXX  fix the error. Please help me with this situation because XXXX accepted the error too. How can is possible that Experian want to keep the incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/18 - {$150.00} - Nothing was done by Chase when using the XXXX App within their Bank App on my phone. I tried to do a transaction for concert tickets. The person accepted the payment and did not deliver with the tickets through XXXX, as decribed. I went to Chase to have them stop payment or sign up for XXXX because I was obviously scammed. Chase contacted the XXXX department and stated I lost out on the money because I initiated the payment. Right, had they looked at their records, this was the first time I have ever used the XXXX option with their Bank App. I was told to file a police report. I did file a police report, but the Chief stated that Chase should be protecting my money against fraud no matter if I initiated the transaction or not. Using XXXX within the Chase Mobile App ( something they're endorsing ) IS NOT SAFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This complaint is against Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I have attempted twice sending out dispute letters via certified mail to Portfolio Recovery Associates LLC. on XX/XX/2018 andXX/XX/2018 to get verification of a contract with my signature saying I owe them money from a collection debt of {$800.00} account # XXXX. At this time Portfolio Recovery Assoc. has been reporting a negative collection account on my credit report to all of the 3 major credit bureaus XXXX, XXXX and XXXX. I have not gotten a response from them with proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I received a letter stating that my payment to XXXX XXXX XXXX XXXX account in the amount of {$560.00} was returned to my bank on XX/XX/18. I never forward a payment Because I never was aware of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
On XX/XX/XXXX I was contacted by Phoenix financial services in regards to an account I have in collections I asked for validation of the debt the collector continued to argue with me about hippa laws so after a few minutes of this I asked if this company accepted verbal cease and desist on their account he stated yes so advised them not to contact me anymore. On XX/XX/2018 I received just a basic debtor statement in the mail not the validation notice I requested so I called the company again and requested a supervisor, I was told one wasnt there but would call me right back but never did. Fast forward to XX/XX/2018 I received a voicemail from the same collector again so I called back and asked him why he called me when the account was supposed to be in cease and desist he said I never told him to put the account in cease and desist I had only given him one number not to call which was the exact number he called. I requested his supervisor who said he would pull the calls and to call back. When I called back I got that supervisors supervisor her name was XXXX she also said to call back she would have to pull the calls. When I called back she kept arguing and speaking over me making excuses for the company Ive advised ever person Ive spoken to Im a collector and the fdcpa violations theyve committed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My total monthly amount to pay NAVIENT is {$870.00}. This is a combination of federal and private loans. I only make {$46000.00} per year. My monthly GROSS income is {$3900.00}. They are requiring me to pay more than 20 % of my monthly income. I have asked several times, including today XX/XX/2018, for lower payments. They have repeatedly denied me and said there was nothing they could do. I have also tried refinancing through XXXX, XXXX XXXX, and other lenders just to get denied because of how much I owe in relation to how much I make. My credit score has dropped from XXXX to XXXX due to not being able to keep up with other payments. Please stop these companies from robbing us of our hard earned money! The decision to go to college is not benefiting me at this point. I can not buy a house, go on vacation, and just live my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: TX

Complaint narrative:
Six months after i earned an student loan in XX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the XXXX XXXX XXXX are incomplete are in accurate. I was an XXXX XXXX  who's XXXX career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XXXX Before XXXX my whole life was stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been steadily paying my subsidized and unsubsidized federal student loans through multiple different debt collectors since XXXX. Now this month they have all been consolidated or owned by Navient, and there's a Private loan I do not recognize that says I owe around 6k. I graduated high school in XX/XX/XXXX and applied through Fafsa in XX/XX/XXXX, got my two checks around then, one was for tuition, the other was for books and supplies. The first was in the amount of about 1300 , the second check was an even XXXX XXXX This private loan information says I received a different check also in the amount of XXXX $ in XX/XX/XXXX. I do not recognize this loan, and have already tried contacting Navient twice through email, and twice by phone. Please advise on what to do. I was so close to paying off all my student loans, then they were all bought by Navient, now all of a sudden I owe XXXX!!! Something is wrong here. I believe through the practice of selling and buying our loans to multiple companies, a duplicate loan was somehow created. Also, the school is question in XXXX University XXXX, I could not find it on the list of schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Six months after i earned an student loan inXX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the dept of education are incomplete are in accurate. I was an XXXX XXXX who's XXXX  career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. Before XX/XX/XXXX my whole life was stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: TX

Complaint narrative:
Six months after i earned an student loan inXX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the dept of education are incomplete are in accurate. I was an XXXX XXXX who's XXXX  career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. Before XX/XX/XXXX my whole life was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX XXXX Chase Fraud Disputes Claim # XXXX Claim # XXXX  -On the morning of XX/XX/2018 my Chase debit card and phone were stolen while I was in New Orleans . My assumption is that they were stolen by a girl I had over to my room, but I have no way of verifying this. It

legitimately could have been gone earlier in the night. -My Chase account was completely drained of nearly {$4000.00} - my entire life savings. -I realized this when I woke up at my hotel in the mid XXXX. I went to get my phone to text & realized that it
, along with my debit card were nowhere to be found.

-My phone had no password & my pin along with other identifiable information were stored multiple places in it The purchases/ cash backs were as follows : # 1. XXXX XXXX XXXX XXXX XXXX  : {$7.00} purchase # 2. XXXX XXXX   # XXXX  : {$5.00} purchase + {$50.00} cash back # 3. XXXX XXXX  # XXXX : {$65.00} purchase + {$25.00} cash back # 4. XXXX XXXX XXXX : {$4.00} purchase + cash back {$100.00} # 5. XXXX XXXX XXXX # : {$10.00} purchase + {$100.00} cash back - Can not indefinitely say location based on information # 6. XXXX XXXX XXXX  Purchase : {$12.00} + {$100.00} cash back # 7. XXXX XXXX XXXX XXXX : {$17.00} purchase + {$100.00} cash back - Can not locate based on transaction information # 8. XXXX XXXX XXXX XXXX : {$500.00} purchase # 9. XXXX XXXX XXXX XXXX  : {$500.00} purchase # 10. XXXX XXXX XXXX XXXX XXXX : {$500.00} purchase # 11. XXXX XXXX XXXX XXXX : {$500.00} purchase + {$100.00} cash back And withdrawls of {$100.00}, {$100.00}, {$100.00}, {$400.00}, and {$400.00} -Chase has given me the timing of some of these transactions, which took place around XXXX-XXXX. The others I have not yet received information regarding.

-I was able to map these charges out via the transaction information and have found their locations to be scattered throughout the city of XXXX XXXX , in particular, along a major highway in the city. The transactions halted, of course, when my bank account ran out of funds.

-Additionally, Chase has informed me that they called my phone and sent a password via text to verify one of these transactions at the time of the occurrence. As stated previously, my phone was stolen. I am providing the receipt of the new phone in the documents section.

Chase has told me this case is closed, as I can not prove that these purchases were made by someone other than me. The only way I can get them to reopen the case is if I provide substantial evidence that it was not me- which takes a ton of time ( getting videos, police report, etc ) all while Chase has taken my entire life savings away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
I was interested in obtaining a XXXX XXXX XXXX  Debit Card offered by SunTrust bank. I read the information on their website here ( https : //www.suntrust.comXXXX  ) and was willing to pay the {$75.00} annual fee as I thought it was a good deal especially since one earns " XXXX  bonus miles after your first PIN Point of Sale or signature-based purchase. '' What is not apparent until much further down the page is that one must open a Signature Advantage Checking account to be issued the XXXX  card. This checking account has a minimum balance requirement of {$25000.00} or a monthly fee of {$25.00}. I was not aware of this stipulation until after opening an Essential Checking ( basic ) account and was then advised I would need to upgrade the account to obtain the card I wanted. I believe this practice falls under unfair and deceptive. I am more than willing to pay the annual fee for the card but can not afford to deposit $ XXXX or pay $ XXXX  monthly in addition to the {$75.00} annual card fee. This is excessive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
There are items still showing up on my credit file that has been removed over 18 years ago. Barclays bank credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, XXXX XXXX has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Two JPM Chase Private Student Loans remaining on my credit report should be removed immediately. According to my credit report they were opened in XX/XX/XXXX. They were reported delinquent in XX/XX/XXXX. I know they are due off by law in less than 1 year but my family needs my credit restored now.

I disputed the legitimacy of the accounts with XXXX  on XX/XX/XXXX and XX/XX/XXXX. The dispute results are wrong. The dates reported are wrong as well as the payment history. It is my contention that it should have been reported delinquent immediately therefore my XXXX   years have passed. The first 3 months are marked OK as if I made a payment. I never made any payments or agreed to any type of forbearance. Furthermore I can not get ANY information about the accounts from Chase, XXXX, US Dept of Ed, XXXX, XXXX or any other place Ive been directed. Ive spent multiple days on the phone, sending certified letters, etc.

XXXX  mails its dispute results. On Report # XXXX dated for XX/XX/XXXX the phone number XXXX is listed as a number for JPM Chase. XXXX XXXX XXXX   in XXXX, OH is also listed. My certified letter to the XXXX XXXX received no response. All of my contact information including address, phone number and email were listed. I called the XXXX number listed, a sister company representative used my social security number to find my accountNO DATA WAS FOUND.

The link dedicated to student loans on Chases official website says all private loans were sold to XXXX Chase no longer deals in student loans. Again, my loans are now 10 YEARS OLD. Chases customer service literally had nowhere to send my call. This can all be verified easily by visiting the website.

I tried XXXX. They had no record of those two private loans. They directed me to the US DEPT OF EDUCATION. Hold time + phone time was over two hours. The US Dept of Ed has absolutely no record of these loans.

I want them both removed from my credit report immediately. No one can verify the information. No one can give me information. Each party directs me to the other parties. Its a cruel situation. Im a now XXXX  year old married father of XXXX, in career year 8. Im stable now and credit is really holding us back. They give you all the credit you want as an 18-year-old kid with no income and let you hang yourself. I want to be free from these loans that are older than my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I would like to reopen case # XXXX so I can upload the supporting documents. I talked to an CFPB agent and he advised to reopen in order to attach the supporting documents. 
Attached documents are : 1- The original complaint filed case # XXXX 2- Two Board Certified XXXX stating that the XXXX failed and require to be redone 3- Police report that the clinic press charge on me as a customer in order not to come to the clinic any more meaning they refuse to fix or correct or even followup on my 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 monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
I talk to the collection company about a month ago and told them I file chapter XXXX bankruptcy and it was discharged on XX/XX/2018.  But they keep harassing me. My law also contact the collect company but they still continue to harass me and threaten me. The original company is check-n-go but it's in collection I don't know the name of the collection company. Here is their telephone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Old XXXX  account placed with internal collections. I spoken with print and agency and was advised after paying the disputed amount it would be removed from report. Diversifield Consulantant has repeated reporting of this debit as collection when its not and also over the statutory limits. This company doesn't own the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my undergraduate program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.

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