vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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:
My name is XXXX XXXX XXXX. I sent {$140.00} including the fee to XXXX for a poor family, on Saturday dated XX/XX/2020 at Walmart XXXX, Texas. The Walmart store number XXXX and the address is XXXX XXXX, XXXX, Texas XXXX . 

Since I sent the money I called the receiver in XXXX that they would receive the money in one hour as promised by Money Gram. But when they went to the Bank next day morning The bank told them that the money is not available. 

So I called Money gram since last two days. But after two three hours somebody pick up the phone and would tell call will be transfer to specialist. And put me in hold. after on hour the call automatically disconnected. 

So I went to the Walmart since they have the responsibility. The manager told me they don't have any responsibility. They advised me to call the Money Gram.. 
So nobody has any responsivity. 

Money gram customer service number : XXXX a fraud number.. 

So please look in to this sad situation and get my money back. I feel this is cheating and breach of faith too. 

The reference number is : XXXX and the receiver name is XXXX XXXX XXXX . 

Yours faith fully XXXX XXXX XXXX Cell : XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am sumbitting this complaint because I dont know what else to do to get a solution or at least a response from JP Morgan Chase Bank. 

Chase is not respecting my rights as a consumer. They are violating the FCRA, and I really hope to get a solution because this issue is overwhelming for me now. The account is the following : business account XXXX, opened by XX/XX/2018, limit {$56000.00}. 

I need to express that this situation is causing me XXXX XXXX, and I need chase to take the right action on this. I am demanding Chase to remove the item. That is the less they can do after all the issues that Ive been through because of their erros, negligence and unfair business practices, and some other serious violations such as reporting a business account as personal account, etc. 

Please send the attached documents to Chase. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball, Tirey, and ST John is a collection agency on behalf of XXXX XXXX XXXX XXXX. They have attempted to collect a debt and damaged my credit profile for a property they dont manage and represent. I have disputed with them along with XXXX  to no avail. How can they take certain measures for a property or owner they dont represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
XXXX Received a response back from Citi the issue is not resolved so they explained to you they are still working on it no they are not. They also came to a conclusion that they will add to all three credit bureaus a note stating I dispute that credit card and once the balance is paid in full I can contact them to have it removed. I pay my bill on time so why are they adding something to my credit report that has nothing to do with my request for a refund of the flight ticket. Why would they tell CFPB that they are still working on the issue and they are not. I need an explanation regarding why they have the right to add anything to the credit bureaus except late delinquent payments which I do not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I have an auto loan from BRIDGECREST, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BRIDGECREST and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BRIDGECREST with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CA

Complaint narrative:
I have an auto loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2020-05-13 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: CA

Complaint narrative:
I have an auto loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2020-05-13 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
I keep paying the same fee in the amount of {$19.00} every month, and sometimes I pay it multiple times due to Navient 's system will show that I owe the fee again even after I just paid it. I have made this same payment sometimes 3 times in the same month, and it will show that I still owe it. I have payed this same amount for years, but in the past it showed only once, so I didn't think anything about it. I just figured that it was a part of my monthly fee. I didn't want anything negative on my credit report, so I just consistently made the payment. I called a representative today XX/XX/XXXX due to I wanted to know what the fee was for, and why did their system keep saying that I owed the amount. I was advised that it was a late fee from XXXX which I found crazy to keep being charged for something that I did not know was owed. This particular amount did not start coming up until XXXX based upon my printout of payments from their site. I was told that the late payment does not go away. I am on an income based plan, and I have been on it since XXXX per the rep. This fee has never been explained to me before, and I never knew it was an issue until I checked to see why this particular amount kept occurring after a payment was made. The rep advised that she had escalated the issue, and that the fee would be removed by XX/XX/XXXX. My issue with the whole situation is that I was making multiple payments on my account thinking that this was a part of a monthly payment when in actuality it was for something else. I was told that my {$19.00} payments was being applied to the interest of my account. I was making multiple payments to my account for something that I did not realize I was paying several times. I hope I have not been charged interest on this same amount that I thought was being paid over all of these years. I was told that late fees were not a real concern for Navient. They use all payments to pay the interest owed to them first, then towards the principal. I have spoken to others from Navient before, and this has never been told to me about this fee that I kept paying over and over again. Navient needs to put on their site on how to make payments for other things owed due to I was unaware that I had to click on the payment site for unpaid fees which I did not know that the {$19.00} was an unpaid fee. I just thought it was a part of my monthly amount that needed to be paid as stated. I also see that I am not the only one who also had this issue. I found an article that someone else had with the exact same issue on XXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 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: IL

Complaint narrative:
XXXX-2020 Ive mailed dispute to the credit bureaus certified XXXX2020 Ion day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still reporting.

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 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Toll free number XXXX has been calling me for the past 10 days. I have told them each day that they have the wrong number. Every day I'm told that my number will be removed from their calling list, however they keep calling every day some times twice a day. I have filed an abuse complaint with their service provider and now with CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH BEHAVIOR AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY 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 2020-05-13 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH BEHAVIOR AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY 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 2020-05-13 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
1.Commenity Bank Express is reporting I have an account with them and I have never had an account with them. 
2. XXXX XXXX XXXX has an account on my credit and I have never had an account with them. 
3. XXXX is reporting that I have an account with them and I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: FL

Complaint narrative:
Tranunion LLC didnt respond my letter Dated on XX/XX/2020 After couple months, they responded my letter of XX/XX/2020 and they came back to me saying that they wont make a further investigation. Please be advised that this is my second letter telling them That they didnt respond my letter within 30 days period dated on XX/XX/2020, I am enclosing a copy of a letter that I mailed to the company via certified mail requesting that they verify the alleged debt the company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2020 approximately. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

This letter is a follow up to my original letter dated [ XX/XX/2020 XXXX regarding an inaccuracy in the credit reporting, regarding the entry being reported under Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Late Payment XXXX   XXXX Unverified Account XXXX XXXX XXXX Unverified Account By not replying in a timely manner to my initial letter on they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that they immediately delete this information from my credit reports. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase closed a claim with the CFPB without addressing 2 main concerns of the case. CFPB Case XXXX 1. XXXX shows that the case was in my favor. They keep saying that " the merchant '' provided them evidence against my favor but, as Chase said themselves that was in XX/XX/2020. The XXXX final decision was in XXXX. 

2. XXXX stated to me that they sent the money to Chase and that I need to work with Chase to recover my funds. In the the CFPB claim, Chase stated " We are not able to dispute this item any longer please work with the merchant to recover your funds ''. However! XXXX has stated " At this time, the cases both show as a debit status meaning the funds were collected by the credit card company. There is no further action XXXX is allowed to take at this time. '' Please pay careful attention to this. Both XXXX and Chase are giving me conflicting statements. 

To be clear, my previous case involved an international transaction where the seller sold me an item through XXXX gift which has no seller protection. Chase is using outdated information to deny me the case.They keep giving me the run around saying " there's nothing we can do, please contact XXXX '' when XXXX is telling me to contact Chase. Both of these companies are passing the buck and I need intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I'm still in shock the way Capital One Credit Card representative tricked me to loose money but not telling right information on time. Surprised Capital One does to its customers like this, instead of helping they tricked me. I'm in shock. 

I have Savor Credit Card ( Annual Fee and 4 % rewards ), today I have contacted Capital One to change the card type to free option ( assuming that I'll get a refund prorated refund for the annual fee I paid and switch to no annual fee card ), they I told me I can switch to Silver card ( no annual fee ) and I agreed but I have asked them about refund of the existing card, she told me first she switch the card to Silver then will look into refund. After switching card to Silver, she told me I won't get refund as I paid it on XX/XX/2020 and 40 days passed to get refund, so I lost Savor Card benefits ( 4 % ), lost my annual fee and I got a new card with less reward card benefits. I'm sure she would know that I won't get refund and she could have suggested me to stay with existing Savor card until next year ( at least I can get better rewards ) switch to silver when I have to renew the card, instead knowingly she upgraded my card, after that she told me no refund. I lost annual fee and better rewards. A good company representative will present right information and would have recommended to customer for better option to win but not to loose. I'm still in shock the way I have been tricked. 

Date : XX/XX/2020 Card Type : Savor to Silver ( with loose option ) Annual Fee lost : XXXX $ Rewards lost : 4 % I'll never business with Capital One, I'll cancel the new SIlver card as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 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: ONEMAIN FINANCE CORPORATION
State: AR

Complaint narrative:
ONEMAIN KEEPS PULLING PROMO INQUIRIES FROM OUR XXXX  AND XXXX, AFTER OPTED OUT.FURNISH LETTERS FROM XXXX  AND XXXX  STATING THAT WE ARE REMOVED AS SUCH. XXXX XXXX, XXXX XXXX, AND 5 OTHER CLASS ACTION MEMBERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX  KEEPS PULLING PROMO INQUIRIES FROM OUR XXXX AND EXPERIAN, AFTER OPTED OUT.FURNISH LETTERS FROM XXXX  AND EXPERIAN STATING THAT WE ARE REMOVED AS SUCH. XXXX XXXX, XXXX XXXX, AND 5 OTHER CLASS ACTION MEMBERS.

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 2020-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Risecredit, LLC
State: AL

Complaint narrative:
I have been harassed by the company. Mr. XXXX had contacted me and also went on some type of XXXX system and found names and numbers of family members I havent spoke to in years and called them about my debt. He has continued to harass myself and family members. He says I owe over {$4000.00} and I told him thats not true. I paid that loan. He threatened to have the sheriff department to come to my home and arrest me and then sue me.

Company response to consumer: Closed with explanation