vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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: OR

Complaint narrative:
MoneyGram refused to process my online payment and closed my account without explanation. My XXXX hired a XXXX  XXXX  in XXXX to provide online lessons. She requested to be paid via MoneyGram. This is my first time using MoneyGram. I signed up for an online account and attempted to send {$60.00} USD in payment. Not only was my payment denied, but my account was closed without explanation. This is weird, because my credit score is close to 800, and I have experience sending money through XXXX, XXXX, XXXX, and XXXX without any problems. There was no attempt by MoneyGram to ask for additional identification or have me clarify any details. This makes it difficult to pay the coach, because she doesn't use the aforementioned services. I contacted MoneyGram customer support and the employee asked me a couple of basic questions, such as " Have I met this person in real life '' and " How did I meet this person. '' I told her she gives lessons over the Internet via XXXX and I found her through XXXX where she had submitted her resume. I was only sending a tiny {$60.00} USD. There was no need for alarm bells. The employee told me that the payment had been denied, my account closed, and this was irreversible. I asked for the company mailing address and the registered agent for the State of Oregon ( a requirement to do XXXX  in the state ) and she refused to provide this basic information. Later that night I drove to Walmart and sent {$120.00} payment via MoneyGram to the same person, XXXX XXXX, without any problems ( I paid her for today 's lesson and prepaid for next week 's lesson, since the fee was the same ). The reference number is XXXX. MoneyGram was happy to take my payment and charge me a fee in person, without any issues, but they refused to process my payment online and closed my account without explanation. Does that make any sense? The fee in person is also {$4.00} higher than the online fee and it cost me time and gas to drive to Walmart, potentially exposing myself to the coronavirus. I went onto the XXXX  website and saw similar complaints to mine. MoneyGram currently has an F rating. A lot of people are experiencing problems with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern I am currently looking at my credit report XX/XX/2020 it says on XX/XX/2020 I applied or gave an approval for them to run a hard pull on my account. This information is inaccurate to my knowledge. I called cbna and gave them my social they said I did not apply for anything new. So I than asked what is this hard pull about they had said there shouldn't be one on my credit report. I did not open or authorize any new account or give my information out. So I believe this to be some type of fraud. The customer service rep told me to dispute with XXXX  directly. This way the hard pull comes off my account. 

I will post a picture of what Is coming up so that you guys can see it.

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 2020-04-03 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: NY

Complaint narrative:
To Whom It May Concern I am currently looking at my credit report XX/XX/2020 it says on XX/XX/2020 I applied or gave an approval for them to run a hard pull on my account. This information is inaccurate to my knowledge. I called cbna and gave them my social they said I did not apply for anything new. So I than asked what is this hard pull about they had said there shouldn't be one on my credit report. I did not open or authorize any new account or give my information out. So I believe this to be some type of fraud. The customer service rep told me to dispute with equifax directly. This way the hard pull comes off my account. 

I will post a picture of what Is coming up so that you guys can see it.

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 2020-04-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/2015 - present I have sent out letters after letters to the company in regards to the following amount XXXX owed. They have no liable proof that the account belongs to me and yet they continue to report false information. I have dispute the account online also with XXXX  and yet nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I depoited cash in my account the the available balance reflected my deposits. Charges were then declined for insufficient funds but the bank has holds on the money for charges that were declined? I dont understand how that is legal. I have contacted bank of America several times and they said there was nothing yhey can do about it. 5 days later and they still have a hold on my money for declined charges that should have never been declined now i have hotel reservstions and no plane ticket to get there.

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 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I filed protection under the Bankruptcy act XX/XX/2020, and Target Credit Card didn't adhere to the Federal Bankruptcy Law. The BK law protects from creditors like Targets. Doing the time I was under Bankruptcy, They reported late payments on my credit file. Also the law indicate the creditors can not report negative marks to the reporting agencies until the BK has been discharged. I would like this account deleted from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, President Trump signed the Coronavirus Relief ACT,  which stopped all student loan wage garnishments for 6 months. Delta Management Associates continued to garnish my wages after the law went into effect. They owe me a refund of {$640.00} for two paychecks that were garnished on XX/XX/2020, and XX/XX/2020. In addition, the Delta Management Associates should be held criminally responsible for breaking the law.

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 2020-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/2020, President Trump signed the Coronavirus Relief ACT, which stopped all student loan wage garnishments for 6 months. ECMC continued to garnish my wages after the law went into effect. They owe me a refund of {$5.00} for two paychecks that were garnished on XX/XX/2020, and XX/XX/2020. In addition, ECMC must cease and desist further garnishments and stop automatic withdrawals from my bank account per the Coronavirus Relief ACT.

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 2020-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I used to have a business credit cards in name of my Company " XXXX XXXX XXXX XXXX '', I owed {$12000.00} to Wells Fargo back then in XXXX. I filed for my company 's bankruptcy, sent a letter to Wells fargo regarding it. Wells fargo did not respond.

The two credit cards were ending in XXXX and XXXX There were some assets back then and were distributed to the creditors accordingly by the bankruptcy court and Wells fargo missed it as they did not respond to the notice by court. Now they are coming after me saying that I need to pay that debt which I don't owe. 

that was a business debt and the business filed for Bankruptcy. 
( Please see the proof of service of the bankruptcy court attached ). I don't owe anything to Wells fargo and if they still disturb me like this I will have to file a lawsuit in XXXX XXXX XXXX Court.

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 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I got a phone call from the collection company Fidelity the lady was extremely rude when I educated her I didnt live at the property for at least a year the bill there calling about. She didnt give me an option to dispute it. I never received any notification even though I informed them I didnt live at the service address over 1 year. There was no room to talk to the rep before I disconnected the call. One day it showed up on my credit out of nowhere. This company has zero intentions to try to get a resolution for the consumer like me just the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: AL

Complaint narrative:
I been disputing the incorrect fraud things on my credit I XXXX  XXXX  say I own {$0.00} I wont deleted XXXX/XXXX  say I owe {$0.00} charge off deleted XXXX  XXXX XXXX I don't own I demanded them to deleted for {$460.00}, XXXX  XXXX XXXX  balance {$970.00} I demand deletion still not remove, XXXX XXXX  I ask to be remove, XXXX XXXX I demanded it to go XXXX/XXXX  I demand gone still nothing

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 2020-04-03 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: AL

Complaint narrative:
I been disputing the incorrect fraud things on my credit I XXXX XXXX say I own {$0.00} I wont deleted XXXX/XXXX  say I owe {$0.00} charge off deleted XXXX  XXXX XXXX I don't own I demanded them to deleted for {$460.00}, XXXX  XXXX XXXX  balance {$970.00} I demand deletion still not remove, XXXX XXXX  I ask to be remove, XXXX XXXX I demanded it to go XXXX/XXXX  I demand gone still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: SLM CORPORATION
State: GA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
After filing complaint ID # XXXX-XXXX  on XX/XX/XXXX with your agency against USAA Federal Savings Bank and receiving their response to your agency from your agency, which was not satisfactory in relation to the complaint ( dispute ), I then requested through their USAA Credit Card Agreement Arbitration Addendum, which is part of the credit card agreement, to start the arbitration process through filing with XXXX XXXX XXXX, as their administrator. I sent this request following USAA 's written process through USAA 's General Counsel using USPS certified/return receipt mailing to both entities. As of today 's date XX/XX/XXXX, there has been no response to the request for arbitration for USAA disputes and claims to be resolved. This is mandatory arbitration included in their credit card agreement which precludes me, the credit card holder from pursuing litigation either in small claims/civil court or filing a class-action lawsuit until this process has commenced. Their refusal to acknowledge the request to proceed with arbitration through XXXX  appears to be a purposeful tactic to stall civil litigation. 

Additionally, I requested through the USAA credit card contract page 24 that USAA informs the credit bureaus ( 3 ) that this account contained within the complaint number referenced above to be reported as disputed due to fraud and my statement be included in their monthly reporting. I wrote to the USAA/Consumer Report Dispute department as they have referenced in their CC agreement, mailed this certified/return receipt USPS again with no response as of XX/XX/XXXX. 

USAA is not following their own internal banking guidelines and procedures they themselves have set forth in their Banking/Credit Card Agreement, and if this is the case, since there has been no written, digital or oral response to the above-referenced requests, I would through your agency request the ability to move forward with civil litigation against USAA Federal Saving Bank, since their mandatory credit card arbitration through ( XXXX  ) XXXX XXXX XXXX has not been followed through on their companies part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
filed a dispute on inaccurate information on address.they chose not to correct it.

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 2020-04-03 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a Chase Sapphire Reserve Credit Card. The aforementioned card has a trip cancellation benefit that I filed a claim for two separate vacations which were cancelled due to military orders. I supplied the lengthy amount of documentation that was required, followed up several times and was eventually denied both claims. Eclaimsline stated they were denied because I was " afraid to travel due to COVID-19. That is not that case. The military has ordered me to my locality, I am not authorized to travel beyond two hours from my residence while the military order is in effect. I'm paying an annual fee of {$550.00} for this benefit and the company has made every excuse possible and/or losing paperwork to deny my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have two accounts with Comenity Bank ( Victoria Secret and XXXX  's ). Both had fraudulent transactions on them in XX/XX/2020. I have not had any activity on these cards in a significant amount of time and neither card should've been activated. 
The Victoria Secret charge was for {$110.00} and the XXXX 's charge was for over {$6000.00}. I did not make or authorize these charges. I disputed with Comenity and never heard an answer back for the charges on the Victoria Secret card and had to inquire multiple times on the XXXX claim, which was eventually denied and I was told I was responsible for the charges. I asked for them to review it a second time and they have failed to respond. I have tried secure messaging on their website and calling, however I get no assistance. 
I made a request for the XXXX 's account to be closed about 6-8 months ago and never activated the newest Victoria Secret card, I'm confused how they were even able to be used. Since I received no help from Comentiy, I don't know where else to turn but I can't afford these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I was employed by a XXXX XXXX. This company is fraudulent. I am now {$2900.00} in debit to my bank. I've been employed by other companies to XXXX XXXX. With no issue. Ive been naive to think this is legitimate. I don't have the funds to cover this act of fraudulent activity. If there is anything to be done to help that wound be greatly appreciated. The company is called XXXX XXXX  XXXX XXXX. The numbers given to relay messages are XXXX, XXXX the email is XXXX please if this can be taken care of i would greatly appreciated it.

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 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
There is a bill from the XXXX XXXX visit. At the time of the visit, I was XXXX   and receiving XXXX and XXXX for insurance. Additionally, I was going through fleeing from XXXX XXXX. So, I was residing in a confidential shelter. I qualified for XXXX XXXX offered, as well as other XXXX options. I told the personnel about my situation and was given assurance no bill was issued based on information as stated above. As of to date, I am on XXXX and have been since I moved to California XX/XX/XXXX. I was not aware of any bills until I recently received my credit report. I was surprised to see a balance from XXXX XXXX. I can assure you I was definitely receiving XXXX and XXXX. So, I am perplexed as to why I have an outstanding balance on my credit bureau. 

MESSAGE FROM BUSINESS : Dear Ms. XXXX, This letter is in response to an inquiry received at XXXX XXXX XXXX from the XXXX XXXX XXXX  on XX/XX/XXXX. The inquiry referenced your complaint regarding your XXXX XXXX ( XXXX  ) visit on XX/XX/XXXX. Your concern is that the charges for this visit appear on your credit report, and that you were XXXX eligible at the time of service, Treviewed this visit and located the eligibility inquiry our registrar submitted on the XXXX website. Based upon the SS # and birth date provided at registration, it was determined you were not XXXX  eligible on XX/XX/XXXX. ( Please see the attached copy for your reference ). Therefore, this encounter was considered a " cash '' account because there was no insurance to bill. XXXX-XXXX  eligibility was checked again in XX/XX/XXXX, and again was returned as not eligible. Please note the State of  California only allows one year from the date of service to check for eligibility, so currently we are unable to check for XX/XX/XXXX. 

Treviewed the physician 's dictation from this visit which mentions " patient is residing in her XXXX ''. Because of this statement in the ED dictation, I will consider this to qualify for our financial assistance program. Therefore, I have contacted the collection agency, CMRE Financial Services, to cancel collection efforts and have this balance removed from the credit bureaus. A letter from CMRE is forthcoming to confirm this information and will be mailed to the address listed above. You can contact CMRE directly at ( XXXX ) XXXX if a letter is not received within 2 weeks. 

Please note we consider this account to be resolved. 

Regards, XXXX XXXX.

Company response to consumer: Closed with explanation