vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/XXXX I took a look at my credit report as I was researching and looking into applying for a mortgage. Incidentally in XXXX I was denied a loan due to this collection account. On XXXX the XXXX I sent a certified letter requesting they validate this debt with no response from the company in the 30 day deadline. I refreshed my credit report and debt was still on my credit report on XX/XX/08 and it was noted on my credit report stated I disputed and the information was accurate with no response to their reasoning to why this was accurate. I sent another certified letter dated XX/XX/XXXX with this letter being a HIPPA cease and desist and requesting them to once again validate the debt and once again as of today there was no communication from the company to validate my debt. I will attach copies of the two letters as well as the two signature receipts signed by the company. I followed all criteria to satisfy this dispute and this company violated every FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: IN

Complaint narrative:
This is a complaint about MoneyGram and their REFUND for canceled transactions.

There are two instances where MoneyGram was supposed to refund the money to my debit card ( the method of payment ) within XXXX business days and failed to do this. 

Instance # 1 {$600.00} sent to XXXX on XX/XX/XXXX. My receiver in XXXX could not reach the agency to pick up the money due to the pandemic lockdown. I canceled the transaction and received an email on XX/XX/XXXX from moneygram saying the following : " Your transaction has been canceled and will no longer be processed. We will refund the account you used to pay for your transaction. Refunds to a credit or debit card typically take XXXX business days. 
While the funds have been withdrawn, your bank XXXX not show a charge immediately. '' *** this money was never deposited or reverted to my debit card Instance # 2 {$100.00} sent to XXXX on XX/XX/XXXX. My receiver in XXXX went to pick up the money in XX/XX/XXXX and the agency said the money was no longer available and that they had cancelled the transaction at that time. They told my receiver that the money would be refunded to my debit card within XXXX business days. 
*** this money was never deposited or reverted to my debit card In my complaint " cases '' with MoneyGram they emailed me the following today ( XX/XX/XXXX ) : '' If the money is still not posted back to your account, kindly present the cancellation email from MoneyGram to your financial institution/bank for proof that MoneyGram successfully refunded your transaction. Please talk directly to a card XXXX. '' I called my bank today XXXX ( XXXX XXXX XXXX XXXX XXXX ) and they were trying to submit a complaint to their card services who said I can't no longer do that because VISA rules are for challenges to be within 6 months. 

Somebody has posession of this {$700.00} and we don't know whom. This is not right and I would indeed like for MoneyGram to have something explicit on their website that if the money is not refunded within the XXXX business days that the consumer has X amount of time to file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I financed through westlake financial for a used XXXX XXXX XXXX in XXXX of XXXX. In XX/XX/XXXX I used that car as a trade in with XXXX XXXX and they sent westlake a check for my payoff amount. The next day, before they got the check, my monthly auto payment came out. With the payoff being the full amount and then my payment coming out, there was a XXXX something dollar difference that I was supposed to receive a check for. I called them to let them know I moved addresses and they said they changed it on file. A month later I hadnt gotten the check and they said they sent it the day before that to the new address and it would be there within XXXX weeks. Then a month after that on XX/XX/XXXX I called, still not having received it, and the person I spoke to said the check was sent to the old address even though they said it was changed. I have called them 7 times now and asked for a supervisor. This supervisor isnt a supervisor whenever I call and they tell me the check was sent of different dates. Ive been told it was sent on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX and Im yet to receive my {$430.00}. They keep avoiding any direct questions I ask them and have refused to give me a tracking number for the check that they have sent out to me. After 3 months of fighting with this company theyve only expected me to give up on it but I still want my money back.

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 2022-04-12 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: PA

Complaint narrative:
Transunion doesn't reply to any correspondence moving forward i will only sent certified mail XXXX  Sales Financing XX/XX/2021 TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX Cards Issued by Finance Companies XX/XX/2021 TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/2021 TransUnion

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 2022-04-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
The amount of {$820.00} is what Credit Collection Services keeps claiming that I owe for a visit that I had made to XXXX XXXX in the fall of 2020? I've repeatedly informed this company that I had paid my medical bill at the point of service but for some reason they keep blackmailing me to pay an outstanding surprise bill/debt of {$820.00}? 

Please see attached fraudulent invoice they keep sending me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I had a XXXX XXXX XXXX account through Synchrony Bank. I was make automatic payments for my XXXX XXXX XXXX via this account. Somehow, on multiple occasions, the account was used for fraudulent charges AFTER I had paid off the account. Upon the first time calling Synchrony, they cleared the fraudulent charges. Then, it happened again. At this time, I had paid the phone off, and was no longer using the phone, or the associated email address as I had moved on to using a newer XXXX. The account started withdrawing automatic payments from my account, to pay for these fraudulent charges. Synchrony has made no attempt to repay these payments to me, and since the email address, and mailing address they had on file were no longer valid, they could not get ahold of me ( they never tried calling, or validating my email, or mailing address ) and sent the account off to collections. 

Over the course of 6 months, after many " fraud '' reports via Synchrony bank, and multiple times of them telling me that they felt the charges were valid, Synchrony finally this past XXXX of 2021, determined that these charges were in fact ALL fraudulent. I never had a credit card issued to me for this account, as it was JUST for my phone, and there was no way I could have made these charges. But, sadly, they had already sold the account to XXXX XXXX XXXX. I have a letter, in hand, from Synchrony, that shows that their fraud team has determined that these charges were fraudulent, but XXXX XXXX XXXX says that this is not enough, and will not remove these charges from my credit report until I file an official complaint, notarize it, file a police report, etc. It's really just a nightmare, and meanwhile, I am having a difficult time buying a car, and a home, for my young family. This is very frustrating. XXXX XXXX XXXX will not stop harrassing me, and now I am following my due diligence of doing what they have asked and filing a report on this website and notarizing it, etc. 

Again, I have the letter from Synchrony in hand, and a digital version of it ( printed and digital ) that says that these charges were in fact fraudulent. But, XXXX XXXX XXXX will not comply.

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 2022-04-12 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: MI

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blockchain.com, Inc.
State: DE

Complaint narrative:
I deposited {$10000.00} in cash with blockchain.com in my wallet and now I can not get the money back out. 

I have filed multiple support tickets with the company with no response. 

Do not use Blockchain.com, they also took {$15000.00} of cryptocurrency from me and will not allow me to move it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. When I called asking about them spoke to a XXXX whom would not give me a clear reason as to why all XXXX of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards.

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed some accounts that has been reporting wrong info, they said they have investigated, and still reporting wrong info. I have advised them to delete that account, because according to FCRA they are reporting wrong information and had provided proof of wrong information.

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 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I sold $ XXXX XXXX coin on XXXX. They transferred $ to Coinbase via their XXXX XXXX network. Coinbase wouldn't accept this and $ in the clouds/big hole. 
XXXX should never have used XXXX knowing it wouldn't be accepted. Coinbase should have refused it and returned to XXXX. I would have then transferred to my checking account. 
The consumer is totally unaware that these 2 major exchanges have this problem. They shouldn't be allowed to go unchecked. We don't know these transaction methods. XXXX encouraged their XXXX. Coinbase should have returned XXXX Both companies are unwilling to help. 
I'm not alone. 
PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, Everything has to be 100 % accurate on my credit report. I did not consent, authorize or benefit from the fraudulent accounts below. 

XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX... .... 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SLM CORPORATION
State: CT

Complaint narrative:
This debt is my daughters debt she pays it she takes full responsibility for it.. I never signed anything to be connected to these loans and they are hurting my future.. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX  XXXX XXXX 2.FXXXX XXXX XXXX  3.XXXX XXXX XXXX 4. Law offices XXXX 5.XXXX XXXX 6.XXXX  XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX 9XXXX 10XXXX XXXX 11.XXXX XXXX 12.XXXX  13XXXX XXXXy XXXX 14.XXXX  XXXX XXXX. XXXX credit 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/22, I called Bank of America to dispute XXXX " XXXX XXXX  Refund '' charges that I noticed on my card account ; the associate I spoke to indicated that a someone had called and impersonated me, asking for my last posted payments to be refunded to another account. The associate indicated that these were fraudulent charges and that the call was marked as a fraud attempt, but somehow the charges were allowed to proceed. The associate indicated that they would do an internal investigation, that there was no way to send me a record of the case or call itself, and that the fraudulent charges would remain on my credit card during the course of the investigation ; I stated that I was not comfortable with this approach, that I would prefer they remove the fraudulent charges, especially considering the fact that fraud had already been identified, and that they send me some verification via email to confirm that this case was opened and that they were in fact investigating the issue in good faith. I am filing this complain with CFPB as a secondary measure to track the issue and in the hopes that you can provide some assistance to me to deal with Bank of America on this issue.

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 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: NY

Complaint narrative:
This company has given me the runaround. The first employee never proceed with my application. I call to speak to the manager he told me it was canceled because his employee did not continue with my application. I said why? he said he I will assist you. Then he offered me a higher rate because rates went up he said then it will be a conventional loan which will be better he said he send me the disclosures with a higher rate. Then referred my case to his son. Then I reach out to him and then he send me another disclosures with higher rates again I said why I signed the first disclosures are different he said we needed another document from XXXX and they took too long and the date expired I said not fair that was not MY fault I submitted everything in my part!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation