vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Sent moneygram from a cvs location for {$500.00}. Receipt provided to me had invalid transfer number. So, moneygram denied receiver the money. Visited moneygram office numerous times but have been told CVS has given invalid transfer number and they are supposed to refund you.

CVS location is not refunding my money or helping me with the transfer.

Its been 3 months of running around and I cant even get my {$500.00} back let alone damages and other costs incurred visiting these offices and talking to customer service teams. 

Receipt attached : moneygram send transfer receipt cvs payment receipt letter to cvs regarding this issue ( no response from them ) CVS Location : CVS Pharmacy - # XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Apart from my {$500.00} refund, I am liable for damages due to waste of time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank did not notify me in writing of a delinquent mortgage or called which I was co-owner of. This end up on my credit report and I learned this by checking my credit scores.The original owner was my ex-wife which I was devorce for over 20 years. Now deceased. 

My question is, can I get this delinquency removed. from my account because they did not notify me. I assumed the mortgage and paid the outstanding payments and penalties. But my score went from XXXX to low XXXX. 

I called them 3 months ago after finding this on my free credit report.

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 2018-08-31 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 believe I am a victim of fraud perpetrated by XXXX XXXX XXXX  ( dba XXXX XXXX XXXX XXXX and XXXX XXXX ) and supported by Equifax Credit reporting. 

Specifically, I am being held accountable for an account that is not mine, and they have refused to provide me with any substantive information on such as a promissory note. I have never had a student loan account with this company, yet they are reporting me to the credit bureaus since XX/XX/XXXX and have harassed me for six years. 

For six years, they have called, sent letters, etc., but have failed to take any legal action or provide me with any official account paperwork. I have requested over this six year period that they leave me alone, but they have ignored me. To this end, for six years I have requested official signed verification from them, and they have ignored me. Moreover, each time I have called XXXX, they require that I provide my SSN and DOB before they even assist me. There is an account number listed on the correspondence they have sent me, but they claim that their own account number is invalid. For years I refused to give them any information, but on XX/XX/XXXX, after I learned they were reporting me to at least one of the credit bureaus, I gave them my SSN and DOB because I wanted assistance. They in turn used this information that I gave them to report the account to Equifax! Even after I gave them my SSN and DOB, they still would not give the promissory note, but demanded that I dispute the account on their website. 

When I learned they were reporting to the credit bureaus, I disputed the account. Equifax claimed the account was verified on XX/XX/XXXX with only a SSN and DOBthe very information that I gave XXXX when I called for assistance one week earlier! Upon speaking with the supervisor, XXXX, on XX/XX/XXXX, she confirmed that they only verify with a SSN and DOB and do not require a promissory note or a signed contract. She refused to assist me further and stated that I should call XXXX for further verification such a promissory note! 

I do not know where to go next. XXXX will not give me any official documentation on this account and Equifax is upholding their practices. Both companies have shifted the burden to me to prove that this account is not mine and I have nothing to show because I have never contracted with them. On the other hand, I believe that XXXX has a responsibility to provide me with documentation showing that I am responsible. Moreover, Equifax has a duty to report accurate information which they have also failed to do because they used only the information that I provided to XXXX verify the account! 

Please investigate the practices of these companies. My credit is being damaged, and moreover, the companies are abusing their power to trick, harm, harass, and take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: IN

Complaint narrative:
I have contacted XXXX XXXX as well as the credit reporting agency on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses.. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even not even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the account from my credit report immediately/ INDEFINITELY and requesting that they cease and desist all collection efforts INDEFINITELY.

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 2018-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a Victim that Transunion knows really well about and that the the INQUIRY ISSUE that they experienced a while back. I have tried to reason with Trans-Union Credit Bureau and eerytime they have refused to address this situation. I have simply asked them to clear my Hard Inquires and they have refused to do so.

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 2018-08-31 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:
XXXX XXXX XXXX is reporting an account that I have paid to the original creditor, XXXX. XXXX XXXX XXXX can't collect on a debt that I have already paid to the creditor. *see attached receipts as proof of payment*

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 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
i called hsbc to get a refund of {$2.00} owed to me, they have now put me on hold, told me they have to review it ( i received this credit owed on my bill ) and every time they call to go over the account???? they have kept me on hold 20 minutes hung up then 25 minutes and hung up. unable to reach a person. i just want to cancel this and write a bad review somewhere, terrible customer service over {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: TN

Complaint narrative:
My mortgage servicer recently changed from XXXX XXXX to Selene Finance. I have requested a mortgage modification to bring my mortgage current because when my mortgage servicer changed from XXXX to Selene Finance, XXXX didn't forward my mortgage payments that were debited from my account to Selene Finance. This has caused me to become delinquent with my mortgage.Selene has been difficult to work with. I don't want to loose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX call them every day to settle this debt always told to talk to some by the name of XXXX but never no return call. 1 week call them daily no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an account that I have paid to the original creditor, XXXX. XXXX XXXX XXXX can't collect on a debt that I have already paid to the creditor. *see attached receipts as proof of payment*

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an account that I have paid to the original creditor, XXXX. XXXX XXXX XXXX can't collect on a debt that I have already paid to the creditor. *see attached receipts as proof of payment*

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 2018-08-31 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Direct dispute sent to company, they did not respond : Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$630.00} and late payments of {$630.00} from XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XX/XX/XXXX ). Terms of account is listed as 1 month, and account is reporting as open. 

Basis for the dispute : I have never made payment arrangements of $ XXXX monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount. 

Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$1000.00} and late payments of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XXXX ). Terms of account is listed as 1 month, and account is reporting as open. 

Basis for the dispute : I have never made payment arrangements of {$1000.00} monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
My credit limit with Synchrony Bank was {$3000.00}, I made a payment of {$1000.00} and the credit card company lowered my credit limit to {$500.00} stating it was due to my credit score, serious delinquency, proportion of balances, revolving accounts to high, number of delinquency, and length of time accounts have been established. 

Which is not true, I have been paying my creditors on time for well over two years, I have paid off have the balances on my accounts. 

Yes my credit score is low, but I am working on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Dear Sir or Madam : I graduated from school in XX/XX/XXXX and shortly thereafter I consolidated my loans and began paying them. For the last 14 years I have never missed a payment and I have never been late. Since I have lived overseas several times over the last 14 years the address on file for my loan information has been my fathers house. The only communication I received from my loan company was a XXXX once a year. 

On XX/XX/XXXX I received three emails from my sister who takes care of my father in Connecticut. Each email had an attachment. The first attachment was a letter dated XX/XX/XXXX from my loan servicer XXXX  with a notice stating that my payment on XX/XX/XXXX was being returned because there was a new servicer. The second attachment was a letter dated XX/XX/XXXX from a company called Nelnet stating that a " borrower benefit has been removed from your account ''. There was no mention of what the benefit was, or why it was removed. The third attachment was a letter dated XX/XX/XXXX from Nelnet demanding that I pay double my normal student loan amount. 

The following day I called Nelnet to inquire about the mysterious borrower benefit that was being removed and I was told that the " benefit '' removed resulted in a 1 % increase in my interest rate that was equal to more than {$10000.00} over the life of the loan. The reason that it was removed was because my payment was late. When I told them that I had sent all my payments and I have records showing that the XXXX payment was made on time they said that it did not matter. It was my fault because I should have known that the servicer had changed. I told them that I never received any notice of the change and they said that it was still my fault. When I asked what can be done to resolve this they said that they would take it under advisement but there were no guarantees that anything would be done. I immediately made the missed payment over the phone. 

Predictably, today I was notified that the " benefit '' would not be reinstated and that I was being penalized {$10000.00} because of the missed payment. 

I believe that this was a calculated move by Nelnet to increase my interest rate in an attempt to force higher payments. I hope that you will help resolve this so other students are not victimized in the same way. 

Thank you for your assistance in this matter. 

Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: VW Credit
State: IL

Complaint narrative:
There's a fraudulent account being reported to my XXXX  credit report. I have sent numerous disputes letters to XXXX along with a police report and FTC affidavit notarized and they will not remove the account. It's a fraudulent account reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX dating back XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
information related to card transaction accounts. all copies related to both accounts.and any and all accounts related to 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 2018-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX keeps sending me shoes I did not order. I return them and they do not always credit my Visa account. Also they claim to have not received some returns using their own preprinted labels. Their shoes pop up on my XXXX app.I have contacted Visa about the various charges and am submitting what proof I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing this complaint against Wells Fargo because I feel Wells Fargo has not done enough to track down the borrower. I am an easy target for them because I have answered phone calls on numerous occasions. I cosigned 8 loans for a former dear friend. I currently have not had any contact with her as she has cut herself off from friends and family. She is currently only paying on one of the 8 loans because her brother also cosigned. The other 7 have not been receiving repayments since she has finished her schooling at the University XXXX XXXX. She has not responded to any of Wells Fargo phone calls or emails. So Wells has constantly stressed me for payment. I feel that they have not done enough to locate her either through a Wells lawyer or private investigator. Why isnt Wells Fargo garnishing her wages? Wells Fargo is not being diligent locating her, or researching her employment for repayment. She is the borrower the on that went to college. Instead I have become their means of communication. I have my own student loans as well as car, motorcycle, mortgage monthly payments and can not afford to make her payments. I am my XXXX year old mothers caregiver who suffers from XXXX and XXXX. I am under XXXX daily from caring for her and the harassment from Wells Fargo adds to it. I am asking to have Wells Fargo remove me from the loans and seek retribution from the borrower. I have uploaded the most recent letters from Wells Fargo. 
The amounts for each loan is as follows : Loan 1 : XXXX Loan 2 : XXXX Loan 3 : XXXX Loan 4 : XXXX Loan 5 : XXXX Loan 6 : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient made several false reports to credit buruaes concerning my private student loans serviced by Navient. 

On or around XX/XX/2018, I enrolled in a reduced payment plan with Navient. I scheduled a payment at that time, to be debited towards the end of XX/XX/2018, for the reduced amount. That amount was to be debited from my checking account monthly for the next 9 months. I was told that no negative reporting would be made to credit bureaus as long as I was current with the reduced payments. 

In XXXX, no payment was debited from my checking account. I called Navient on XX/XX/2018 to discover the reason for this. It was then that I was told that the Navient representative I spoke with on or around XX/XX/2018 did not properly enroll me into the program. 

I spoke to Navient representatives on XX/XX/2018, XX/XX/2018, and XX/XX/2018. All the representative I spoke with have admitted that the false reporting to credit bureaus occurred due to Navient 's errors. However, they have all decried their inability to retract the false reporting, citing Navient 's policy. 

On XX/XX/2018, I received a call from XXXX in the Ombudsman 's department of Navient. He stated that the phone call was recorded. On the recorded call, XXXX admitted that at the time the report was made to the credit bureaus, ( 1 ) I should have been enrolled in the reduced payment program but for Navient 's employee 's error, and ( 2 ) even though I was not enrolled in the reduced payment program, my account was NOT in a past due status warranting credit reporting. 

XXXX admitted that it was Navient 's error that caused the false reporting to the credit bureaus. XXXX XXXX stated that another internal Navient department had reviewed my request for retraction and granted it. However, XXXX stated that the retraction would not take place until my account was no longer delinquent. 

My account is only delinquent at this time because of an error by Navient which caused my XX/XX/2018 payment to not be considered a full payment, caused me to miss my XX/XX/2018 payment, and caused my XX/XX/2018 payment to be the first payment in the payment reduction program I should have been enrolled in starting XX/XX/2018. 

On XX/XX/2018, XXXX informed me that the employee who did not properly enroll me in the reduced payment program on XX/XX/2018 is no longer employed by Navient. As I told XXXX, that takes care of Navient 's problem, but it does not address mine. That employee 's damaging actions will only be corrected when Navient retracts the false reporting. 

Navient 's policy should be overwritten immediately due to Navient 's error in causing the false credit reporting.

Company response to consumer: Closed with non-monetary relief