vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 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: TX

Complaint narrative:
On XX/XX/2020, I requested an international money transfer in the amount of XXXX XXXX and XXXX XXXX dollars ( USD XXXX ) through Moneygram company in the USA to be deposited in a personal account at XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. 
Moneygram provided me with the tracking number # XXXX at an exchange rate of XXXX and an amount to be received up to XXXX XXXX XXXX. 
However the beneficiary person who is my father never received the amount in his personal account in XXXX. 
I called Moneygram by XX/XX/XXXX, and They explained to me that a further investigation would be initiated and ask me to call back in the next week. 
I made a second call to Moneygram on XX/XX/XXXX, and they again replied that a deeper research would be conducted and ask me again to call back in 10 days. 
In the first week of XX/XX/2020, I called them back again and They argued that the money transfer was already made and that I needed to contact the bank in XXXX. 
Subsequently, my dad went several times to a branch of the XXXX XXXX ( XXXX ), but they argued that he bank have not received the money to credit my dad 's personal bank account in XXXX. 

I am attaching ( 1 ) the receipt from Moneygram and ( 2 ) the number of my dad 's account ( CLABE ) to allegedly be credited ( circled in red ) Thanks for your attention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: PA

Complaint narrative:
On XX/XX/29 a fraudulent charge in the amount of {$1700.00} occurred on my card. Company failed to provide me with any security as this purchase should had been red flagged and never allowed to go through. I have had this card for about 5 years and have never made a purchase of over {$200.00}. Company failed to provide any security. I called Eppicard on XXXX to report the fraud. I was told a new card would be mailed as well as forms that had to be mailed back within 10 days. Upon investigation there seems to be a fraud with the company never mailing out new debit cards or the form to pursue fraud cases. Why cant the form be emailed? Why are people not receiving new debit with their remaining balance? Eppicard is stealing child support money from American families. This is my rent money that got stolen due to lack of security on your end. Rent money stolen during a pandemic. This needs to be handled ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: DISCOVER BANK
State: CA

Complaint narrative:
i have a discover credit card which i was on time my all payments but because of when i was sick and i ask my mother to look for my bills whenever i am getting by us post mail i never received mails almost 3 months and because of change of address they report late on my report please help me to resolve im trying to buy a house its not letting me go through

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
This collection company used illegal tactics to call 3 times a day everyday for the last month to collect the bill for which it was 20 years old and it was in dispute back then.

They altered the past due date and reported to the credit bureau to damage my credit score and told me to pay them. Such a low class business practice. Stop them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
there was a {$240.00} charge to some XXXX XXXX  that i did not charge on my card. i called capital one credit card XX/XX/XXXX told them im filing a fraud charge for this {$240.00}. so they filed it and finally tdoay XX/XX/XXXX i see online they are chargng me {$25.00} late fee for this purchase. i said what is going on i filed a fraud charge o this in XX/XX/XXXX and you still are charging my carge for it and it says its credited but then you put it back on the card and charge me a {$25.00} late fee. they said they sent me a letter by mail which they did not to tell me they are not crediting me and i ask them why and they wont tell me why. so i told them if you wont fix this im reporting this to the fbcp banking commission, atty gen, XXXX. that you cant charge me for something i didnt charge on my card there is a law for this. the person i spoke to on the phone today was XXXX in the fraud dept, im not happy and i want this fraud charge to be credited and not charged to me and take off the {$25.00} late fee. as im not paying something i didnt charge. they wont do nothing about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-01-09 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/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 2021-01-09 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: NY

Complaint narrative:
Equifax - XXXX- XXXX- I sent certified letters asking to validate all inquiries on my report doubles and triples of the same companies. Companies I have never even heard of before. After reporting fraud to them they took no actions for corrections to my report. A bunch of outdated accounts as well that are causing me all kinds of trouble with any type of loans. This company is in charge of us as well as are families you think they would pay closer attention to detail for us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: NY

Complaint narrative:
XXXX - TransUnion- XXXX- I sent certified letters asking to validate all inquiries on my report doubles and triples of the same companies. Companies I have never even heard of before. After reporting fraud to them they took no actions for corrections to my report. A bunch of outdated accounts as well that are causing me all kinds of trouble with any type of loans. This company is in charge of us as well as are families you think they would pay closer attention to detail for us

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 2021-01-09 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
midland funcding, llc and XXXX XXXX XXXX have robo harassed me in massive bulk, extorted me to no end, tried multiple times to excuse unlawful behaviour, even stated account info was incorrect- will not remove fraudulent information, and do not care- despite multiple lawsuits from the ftc. They operate out of five different offices, XXXX refutes all claims but has no factual basis backing thier replies. I can send people bills too- doesnt mean they are correct. XXXX XXXX, XXXX, XXXX XXXX XXXX owes this debt. Debt is beyond statute. Other erros remain on my XXXX files- the data does not meet fcra nor fdcpa compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
Creditor sold stolen/damaged vehicle to car auction on XX/XX/XXXX. Was supposed to be covered under insurance when police released stolen vehicle back to creditor US Auto. Creditor sold car to XXXX XXXX, but reported wrongly to credit bureau that this vehicle was a repo on my credit in XX/XX/XXXX when they sold the car and recovered insurance money as a profit. I never had the car pass 30 days to even pay off pick up payments to complete deal on car before it was stolen, totalled, and recovered by the police. US Auto reported this as a repossession on a loan that was never completed and after they had already sold the car to a third party. This should not be on my credit as a repossession for a stolen vehicle that they fully recovered all monies through insurance and still sold the car to an auction double dipping on sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I attempted to remove my Bitcoin from my Bitcoin vault on CoinBase and transfer it to my XXXX XXXX  so I can withdraw the money from my account. To withdraw the money you must approve the withdraw from 2 emails. My primary email allows me to approve the withdraw, but my secondary email will not allow me to approve the withdraw due to a glitch by CoinBase. The company will not reach out to me on this serious matter and they are holding my money with absolutely no help. They are holding XXXX of my Bitcoin that I invested in. This is an ongoing issue with CoinBase that was never fixed on their end. Im asking to be able to have my money restored to me appropriately and have CoinBase help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was approved for a Care Credit medical credit card in XXXX of 2019. The purchase made was in the amount of {$5800.00}. It was advertised that with minimum payments that this debt would be paid in 6 years. I have been making the minimum payment required for the last 6 months and noticed that my balance was not decreasing ; it was remaining the same. On the statements, there is a section that advises me that making only the minimum payment would take me 6 years to pay off the debt and that I would pay a total of {$7600.00}. When I called them about the issue, the customer service representative advised me that because I have card security, that payment was incorporated into the minimum payment resulting in me paying the monthly interest fees and card security fees only which none of my payment is going toward the actual debt itself. The total amount that I have paid since I received this card and been making the required monthly payments is around {$3500.00} yet only about {$430.00} of the debt has been paid. Prior to beginning card security, my minimum monthly payment was {$140.00}. After card security, my payments went up to {$170.00} and have slowly increased over time. The minimum payment for this month is {$170.00}. I was advised that by adding the card security that I would pay this fee in addition to my minimum required payment for this debt. I was advised that the card security fees would be in addition to the minimum required payments hence the reason my minimum increased to {$170.00} from {$140.00} when card security was obtained. This needs to be corrected because something is not right here.

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 2021-01-09 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: TN

Complaint narrative:
XXXX XXXX, XXXX and XXXX XXXX XXXX have robo harassed me in massive bulk, extorted me to no end, tried multiple times to excuse unlawful behaviour, even stated account info was incorrect- will not remove fraudulent information, and do not care- despite multiple lawsuits from the ftc. They operate out of five different offices, XXXX refutes all claims but has no factual basis backing thier replies. I can send people bills too- doesnt mean they are correct. XXXX XXXX, XXXX, XXXX XXXX XXXX  owes this debt. Debt is beyond statute. Other erros remain on my experian files- the data does not meet fcra nor fdcpa compliance.

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 2021-01-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
experian continues to reage and resell ancient data about inaccurate accounts- XXXX had me take out a loan but refused payments, XXXX is doing same and in title holdover status right now. This is credit XXXX by XXXX corporations that only care to ruin peoples lives, not help them rebuild. XXXX and XXXX are extorting new accounts- even after they got paid. These companies own XXXX % of credit card market and should be investigated. same with XXXX XXXX XXXX XXXX XXXX continues to refuse the XXXX difference owed me. XXXX XXXX  is refusing new accounts- for years they refused to remove errorneous data- refused to close the accounts and extorted me. XXXX XXXX XXXX recently is doing same even with banking history with them. XXXX XXXX XXXX upside down XXXX :! so you cant get out from under them, throws mandatory XXXX XXXX in your face ( it is mandatory unless you have XXXX in your pocket when buying the car, most dont ) and continues to extort. experian continues to report slanderous statements whic are simply not correct.

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 2021-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: IN

Complaint narrative:
recieved summons of suit for unverified and disputed credit card balance despite ban of such suits during state of emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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 am requesting that these accounts be blocked from my credit report because they do not belong to me and i believe they are the result of fraud. i have reported these accounts to the federal trade commission, which in fact is a federal law enforcement agency just like my local police which i also filed a complaint with. im also including my current utility bill, social securtiy card and my california drivers license to verify my identity. please see attached ftc report and police report to have these accounts 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 2021-01-09 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: CA

Complaint narrative:
i am requesting that these accounts be blocked from my credit report because they do not belong to me and i believe they are the result of fraud. i have reported these accounts to the federal trade commission, which in fact is a federal law enforcement agency just like my local police which i also filed a complaint with. im also including my current utility bill, social securtiy card and my california drivers license to verify my identity. please see attached ftc report and police report to have these accounts blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: CarMax, Inc.
State: TN

Complaint narrative:
XXXX continues to reage and resell ancient data about inaccurate accounts- XXXX had me take out a loan but refused payments, XXXX  is doing same and in title holdover status right now. This is credit XXXX by XXXX corporations that only care to ruin peoples lives, not help them rebuild. XXXX and XXXX are XXXX new accounts- even after they got paid. These companies own 90+ % of credit card market and should be investigated. same with XXXX XXXX XXXX XXXX XXXX  continues to refuse the XXXX difference owed me. XXXX XXXXXXXX is refusing new accounts- for years they refused to remove errorneous data- refused to close the accounts and extorted me. XXXX XXXX XXXX  recently is doing same even with banking history with them. carmax loans cars upside down 2 :! so you cant get out from under them, throws mandatory gap insurance in your face ( it is mandatory unless you have XXXX in your pocket when buying the car, most dont ) and continues to extort. XXXX continues to report slanderous statements whic are simply not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX continues to reage and resell ancient data about inaccurate accounts- XXXX had me take out a loan but refused payments, XXXX is doing same and in title holdover status right now. This is credit XXXX by XXXX corporations that only care to ruin peoples lives, not help them rebuild. syncrony and XXXX are extorting new accounts- even after they got paid. These companies own 90+ % of credit card market and should be investigated. same with XXXX XXXX XXXX XXXX XXXX  continues to refuse the XXXX difference owed me. XXXX XXXXXXXX is refusing new accounts- for years they refused to remove errorneous data- refused to close the accounts and extorted me. XXXX XXXX XXXX recently is doing same even with banking history with them. XXXX loans cars upside down 2 :! so you cant get out from under them, throws mandatory gap insurance in your face ( it is mandatory unless you have XXXX in your pocket when buying the car, most dont ) and continues to extort. XXXX  continues to report slanderous statements whic are simply not correct.

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