vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 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

Complaint narrative:
On XXXX XX/XX/2021 at XXXX, Moneygram accepted a debit to debit vVisa transfer from my domestic partner in the XXXX to myself in the XXXX in the amount of {$2000.00} USD. Their website promises the money is " usually available in minutes '' by this method, and their terms and conditions promise it within 4 days at the latest, barring force majeure. 
As of XXXX XXXX, this money has still not been received. They were contacted by telephone by both myself and my partner and the representative gave no information to either of us except to assure there wasn't a fraud hold and that they were not claiming force majeure. The representative offered to file a complaint that would be resolved " within 90 days '' ( more than XXXX times the statutory 15 days to respond to such complaints ). 
In the mean time, we are behind on our rent and the money has been taken from our account. Moneygram will not provide any further information, explanation, or help, and their lateness will likely put us out significant late fees. A demand letter sent to their customer service email was not responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: FL

Complaint narrative:
Transunion is showing that I have a Charged off / Collection for child support - this is an invasion of my privacy they are in violation of inaccurate reporting and violation of 15 usc 1692 ( a ) this accounts needs to be DETLED at once. This is preventing me from getting approved.

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 2021-12-04 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: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section XXXX ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 


I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section XXXX ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.

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 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Commercial Collection Corporation of New York, Inc.
State: GA

Complaint narrative:
I signed up for XXXX XXXX  but never revived the XXXX XXXX XXXX so services were never started or turned on. XXXX is trying to collect for services that were never turned on, set up or used. This is totally in legal for this company to bill me and send me to collection for something I dont owe or never used and XXXX XXXX is aware of that. I placed XXXX phone calls to XXXXXXXX XXXX. The representative informed me she would ace supervisors reach back out so the bill would be rectified it never happened. I will be filing a sue against XXXX XXXX  and the collection company ccs for harassment of a bill I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to all XXXX credit bureaus on ( date of XXXX letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since XXXX letter was sent ) and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing 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 non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CT

Complaint narrative:
XX/XX/21 Franklin Collection Inc keeps calling but leaves no message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all XXXX credit bureaus on ( date of XXXX letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since XXXX letter was sent ) and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: VA

Complaint narrative:
On XX/XX/2021, the USPS forwarded a letter to me from Equifax Information Services LLC. Equifax had addressed the letter, dated XXXX XX/XX/2021, to a XXXXyear old address that is no longer on my Equifax credit profile. THIS ADDRESS IS NOT BEING REPORTED AS CURRENT BY ANY CREDITOR. I was unable to dispute the address online with Equifax because it's not listed on my Equifax credit profile as my current or previous address. Equifax was made aware of this issue several months ago but has refused to cease sending mail to former addresses. Equifax refuses to cease sending my personal credit file to wrong addresses, subjecting me to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions has been harassing for a bill I dont owe. XXXX is aware that their were unauthorized charges on this account I didnt make. If I get one more letter from XXXX or Radius Global I will be filing a sue against both parties immediately.

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 2021-12-04 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: IL

Complaint narrative:
I am a victim of identity theft pursuant to XXXX CFR XXXX ( h ) a fraud was committed against me using my identifying information without my authority. I have reached out to the company in regards to being a victim of identity theft and they will not help me. Therefore, I have mailed to you TransUnion everything that is required of me under federal law ; a copy of my official identity theft report with the Federal Trade Commission, a copy of my identification card for proof of identity, as well as proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have given consent to ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. 

If TransUnion finds that there was an authorization or approval for the specific extension of credit, that authorization or approval for the specific extension of credit shall be excluded from my consumer report pursuant to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX. XXXX XXXX XXXX XXXX  ( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

Failure to adhering to the federal law will be considered willful and negligent noncompliance and TransUnion will be held accountable for its violations. 

Once the account has been deleted from my consumer report, I am requesting an updated consumer report be mailed 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 non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omnipoint Capital
State: GA

Complaint narrative:
I received a collection letter from Omnipoint about a bill I did not authorize. This is my first time hearing about a bill from XXXX. This company is harassing me for something I dont owe and I will file a sue against this company and XXXX for harassing me for a charge I dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for credit with XXXX, after already having applied XXXX months ago, and having been approved for my first line of credit. After making XXXX consecutive on-time monthly payments on my first loan with no outstanding payment balance as required, I applied for my XXXX loan request with XXXX. However, upon making a request for an additional loan amount I was declined for the following reason ( XXXX ) : XXXX was unable to retrieve my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for credit with XXXX, after already having applied XXXX months ago, and having been approved for my first line of credit. After making XXXX consecutive on-time monthly payments on my first loan with no outstanding payment balance as required, I applied for my XXXX loan request with XXXX. However, upon making a request for an additional loan amount I was declined for the following reason ( s ) : XXXX was unable to retrieve my 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 explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MI

Complaint narrative:
I set up a Gemini account on XX/XX/2021 and they allowed me to deposit XXXX usd on XX/XX/2021 into my account. I sent them the proper verifying I.D they asked for. While my state I.d . was cracked up top. it still had all the information visible on it. They are denying my verification because of it and now there are not allowing me with withdrawal my money. The state of Michigan is behind on getting I.D and appts into the secretary of State due to covid still. I do not know when I can get a new one, and I do not have a passport. They should not be able to keep my money till then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: OH

Complaint narrative:
In XXXX we received a statement from our newest loan servicer Gregory Funding, LLC ( our loan has been transferred 3 times in the past year ) that our monthly payment was increasing by $ XXXX. 
I called to inquire about the increase and after waiting in their que for XXXX minutes, I was told that we have an escrow shortage of {$100.00} from our previous loan servicer XXXX XXXX XXXX. I asked why that would create a $ XXXX increase to my mortgage payments and she replied Because you dont understand escrow and your previous loan servicer was not paying your homeowners insurance to XXXX XXXX. Not true. The call then abruptly disconnected. I can assure you I did not disconnect the call. Since then I have seen numerous similar complaints on the XXXX  website about escrow and unethical behaviors by Gregory Funding. 
When you call this company there is an extensive wait time, and when you are finally able to speak to someone, they can not provide legitimate answers. I am very concerned about how this company operates. They never sent us anything in writing detailing the substantial increase to our monthly payment. 
We worked out new terms with our previous mortgage company XXXX XXXX and have been told that if the loan is sold they can not just alter the terms at will. 
We have been dragged through the mud by predatory mortgage companies in the past which is why we are in the situation we are in now. XXXX  years in our home and a mortgage XXXX times what we borrowed originally. Have never borrowed equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
ITS GOING ON XXXX YEARS SINCE DOVENMUEHLE MORTGAGE, THE LOAN SERVICER, CONTINUES TO TRY AND DEFAULT OUR MORTGAGE ACCOUNT IN ORDER TO FORCE US IN TO FORECLOSURE AND STEAL PROPERTY AND EQUITIES AS BANKS DO TO HOMEOWNERS. THERE LATEST SCAM RECENTLY OCCUR THIS MONTH, WE RECEIVED A MORTGAGE BILL WITH AN INCREASE OF {$530.00}, WHEN NO MONEY IS OWED TO THIS SERVICER ON ESCROW PAYMENTS. AS WE HAVE NEVER MISSED A SUNGLE MORTGAGE PAYMENT IN XXXX YEARS, AND NOW THEY CONTINUE TO TRY AND FORCE A DEFAULT. LAST YEAR THEY TRYED TOO INCREASE THE PAYMENT TO ALMOST {$5000.00} PER MONTH. THIS LOAN SERVICERS ARE CROOKS AND SCAMMERS AND SHOULD BE INVESTIGATED FOR THERE PRACTICES UNLAWFUL PRACTICES. WE PAY OUT MORTGAGE BILL MONTHLY. PAY OUR TAXES YEARLY DIRECT AND OUR HOMEOWNER INSURANCE. WANT THIS LOAN SERVICER FULLY INVESTIGATED AND FINED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2021 Attached are document to prove my identity, FULL NAME, ADDRESS, SOCIAL SECURITY, BIRTH CERTIFICATE. Under consumer law, I REQUEST MY SOCIAL SERCURITY NUMBER BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. Consumer law XXXX XXXX XXXX XXXX - Disclosures to consumers

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 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Changes in terms of what was offered/advertised On XX/XX/XXXX I applied for and was approved for the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX airline miles promotion once the cardholder spends {$3000.00} over 3 months. 

I would NOT have opened the account IF I was notified that I was not eligible for the XXXX airline miles promotion. 

After meeting the promotion requirements I expected to see XXXX airline miles in my account. By the end of the month of XXXX, I had not yet received what was advertised. I called American Express to follow up on the promotion. They initiated an investigation into why I had not yet received the miles. I was advised that a decision on the investigation would be finalized no later than XX/XX/XXXX. On XX/XX/XXXX, I spoke with the American Express customer service billing team XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) who confirmed that I have met all of the eligibility requirements and that she can see that I applied for the XXXX mile promotion. But at the time she did not have an update on the investigation but stated it may have been an Amex error. 

It has now been more than XXXX weeks past the time I should have received what was advertised and I have no other choice than to initiate a complaint to get the XXXX airline miles ( retail value {$2400.00} ) I deserve. 

It is now XXXX, I have not heard back from the company with any resolution from the investigation that was initiated in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have disputed this multiple times with the credit bureaus as well as the creditor. None of which have provided me any proper validation of this account, also I have disputed the inaccurate information such as reporting dates. This account is inaccurate and derogatory, which is in violation of my consumer rights to the best of my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: RI

Complaint narrative:
Professional finance company of XXXX XXXX failed to receive insurance payment for my labs done in XXXX and XXXX. These labs were not paid for and then were continued to be sent to collections and affecting my credit score drastically while I was covered by insurance and was not responsible for paying the medical costs due to the fact I was covered by insurance for both labs. I have disputed and my dispute was deemed accurate but my credit score has not changed and the labs are still presented on my credit history. I have also contacted my doctors office several times who have also reached out to the company and insurance to fix the issue. Nothing has changed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief