vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Ive sent XXXX $ to the wrong person this is my first time using money gram didnt realize it until it was sent. ( MoneyGram.com ) I have the information here : Receiver : XXXX XXXX Receiver country : XXXX Send amount : XXXX SD Receive amount : XXXX JMD Exchange rate : XXXX USD : XXXX Id like my money back and if this is the second time Im reporting this complaint. If anything my number isXXXX and email is XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was able to get my credit report in the past from all 3 bureaus as recently as XX/XX/XXXX from XXXX  and XXXX XX/XX/XXXX credit Report conf # XXXX XXXX. But now I can not get it from TransUnion or XXXX. TransUnion states, The system was unable to get enough information to confirms your identity through a series of questions based on accounts and personal information even though in the past I have gotten my credit report through all 3 bureaus from a series of questions asked in the past but suddenly I have not built up a credit history enough to ask me a series of questions to get my report online. XXXX. These organization take my credit data and sells it everywhere but when I want to see it myself they put up all these roadblocks and excuses. 
What is going to happen is unacceptable. You the CFPB is going to send TransUnion and XXXX my complain and in return they may or may not  send me my report, but either way this is unacceptable because I want to have to save my report online when I want it and not have to complain to you the CFPB as my intermediary to force the credit bureaus to give me my report. Secondly, all 3 bureaus will send me the report and I will not be able to monitor my credit every 4 months as I only need one report at a  time. 
I also would like to sign up with TransUnion True Identity credit monitoring and with this problem persisting I am not able to do it. 
Tell these bureaus to get their act together and stop yanking the consumers chains. Thank you.

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 2019-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Our business account at BMO Harris was accessed by an individual that was given permission to make telephone transfers. This person, XXXX XXXX XXXX is unknown to us. Over the course of several months, they had the ability to mirror our payments to some of our ACH withdrawals such as XXXX, XXXX, XXXX XXXX.

We have already filed complaint XXXX. Their response was that we did not respond in a timely manner. We were unable to do this because the transactions were so similar to our own. BMO completely ignored the fact that our complaint was based on the fact they allowed a signer to be added without our permission for telephone transfers. This is according to their own computer records. We have attached a screenshot of this which was taken in their branch at their computer.

BMO needs to respond to the fact that they allowed this unknown person to make telephone transfers on our account. They also need to take responsibility for exposing us to this type of fraud. When asked directly about this, they told us that this person was no longer at the bank. Does this mean that they worked at the bank and had access to all of our accounts?

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 2019-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The company is Synchrony Bank, and the card is the Amazon Store Card. The statement closing date was XX/XX/XXXX, which included a new balance of {$4100.00}. The balance included one non-promotional balance of {$79.00} and the remainder of the balance being promotional balances with {$300.00} expiring on XX/XX/XXXX, {$900.00} expiring on XX/XX/XXXX and all other parts of the balance expiring between XX/XX/XXXX to XX/XX/XXXX. I called the customer service number upon receiving the statement that closed on XX/XX/XXXX, and asked if the next payment could be allocated first to the non-promotional balance and the to the normal allocation, which is to the first expiring balance down the line to latest expiring balance. I was told I would need to call the customer service number [ ( XXXX ) XXXX ] on the day the payment was to post in order to set up the allocation. I called on the XXXX of XXXX, XXXX, the day my payment of {$600.00} was to post, and asked the representative to allocate as described above. The representative told me he could not perform the allocation since the payment had not posted yet. I went to the contact by " chat '', and arranged for the allocation. 
The next statement I received was for closing date XX/XX/XXXX. This statement showed no part of the {$600.00} on XX/XX/XXXX allocated to the promotional balance on XX/XX/XXXX, and a {$65.00} interest charge had been levied against the balance expired on XX/XX/XXXX. I called the customer service number and explained the steps outlined above, and the representative told me that while he understood, the only way I could avert the interest charges was to pay {$300.00} at that instant we were talking. 
I have arranged for the entire balance to be paid as of XX/XX/XXXX, but I refused to pay another {$300.00} on top of the {$600.00} that I paid on the XXXX of XXXX. Synchrony Bank or Amazon owes me {$65.00} that I was wrongfully charged in interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
Fortiva cradles is a fraud it doesn't report to credit to anyone and they are rude and very unprofessional they over charge you someone needs to look into this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 

1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
HERE IS A LIST OF ACCOUNTS AND INQUIRES THAT IS ON MY REPORT 1.TXXXX XXXX XXXX. IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 2. CREDIT ACCEPTANCE CO . IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 3.XXXX XXXX XXXX IN THE AMOUNT OF $ XXXX DATE OPENED XXXX LIST OF INQUIRES 1.XXXX XXXX 2.XXXX XXXX  XXXX XXXX 4.XXXX  XXXX 5.XXXX  XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10.XXXX 11.XXXX XXXX 12.XXXX  XXXX XXXX XXXX 13.XXXX XXXX   14.XXXX XXXX XXXX 15.XXXX XXXX XXXX XXXXXXXX 17.CREDIT ACCEPTANCE 18.CXXXX XXXX  19.XXXX XXXX XXXX 20.XXXX 21.XXXX XXXX  XXXX 22.XXXX XXXX XXXX XXXX 23.XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I advised Chase of the billing error for goods and services not received. Chase refused to file a claim and said I had to call back another day. Per Reg Z a financial institution can be notified in writing, mail, or by phone and the institution must start investigating the billing error once notified. 

Call to chase took place on XX/XX/2019. Representative said he would simply notate account. I asked when funds would be credited to account, and he ignored the question and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Beginning of XX/XX/2019, I got an alert from my bank and XXXX XXXX XXXX via XXXX XXXX  that there was a change in my credit score. I looked it up and my credit dropped XXXX points. It stated that the XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX began a new line of credit or account to my credit report. After inquiring about the collections report we found out it was from XXXX XXXX in XXXX XXXX XXXX, FL. After calling them, we then found out that they had been sending my bill to the incorrect address. An incorrect address that I had never lived at. We then sent them a copy of my drivers license ( for correct address proof even though they were the ones who entered the address incorrectly ) and set up a payment plan. They never spoke with us before putting us into collections and we never received the bills. It is still on my credit report even though my husband I have repeatedly tried to contact XXXX and XXXX XXXX XXXX XXXX XXXX telling them it was not our mistake. I was even spoken to like a criminal by the XXXX XXXX XXXX XXXX. thank you so much for any help you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been the victim of identity theft and have filed police reports, wrote letters, filed identity affidavits and made many phone calls trying correct account information placed on my Equifax report due to identity theft. I have provided Equifax with all of the appropriate information to substantiate my claim of identity theft. I have sent Equifax several police reports and identity theft affidavits, along with other supporting evidence to try and have the fraudulent information removed from my credit file, but they have refused to honor the law and my documentation related to my identity theft claim. The fraudulent accounts in question is a XXXX credit card in the amount of {$350.00} and XXXX XXXX XXXX XXXX with a balance of XXXX. I have disputed this information every month for the last year with police report, identity theft affidavit, dispute letters and Equifax still will not remove information from my credit report or provide me with information proving these fraudulent accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Saturday XX/XX/XXXX, my debit card was charged at a Chase ATM 4 times for an amount of {$200.00} each for a total of {$800.00} between XXXX and XXXX. The bank was able to reimburse this money back to my account. Shortly after the atm withdrawals, on the same day in the afternoon, the XXXX down the street fraudulently charged my debit card {$750.00} through XXXX XXXX. Chase hasnt reimbursed the XXXX charge. The XXXX is # XXXX XXXX XXXX in NJ. The phone number is XXXX. The manager was able to confirm the person who came in and made the transaction did not match my description and is caught on camera. I was told the footage is still available. I was at XXXX of XXXX in New York at the time. 

I stopped the debit card on Saturday, XX/XX/XXXX. Chase sent me a new debit card in the mail. On Monday, XX/XX/XXXX, I had not received the card yet. It was compromised and a charge of around {$3000.00} tried to go through. Since I didnt activate the card, it did not go through. Chase canceled that card and then issued me another one. On Wednesday XXXX, Chase claimed the account had been compromised and shut it down. They gave me a new account. 

I have called and had Chase relook into to the XXXX claim several times. After the 3rd time, Chase told me the case is officially closed. After they told me the case is officially closed, Chase suggested I call XXXX. It had been several weeks in at that point. The XXXX was helpful, but they would need Chase to contact their loss prevention office to reimburse me the money. 

I went to my physical Chase branch location since I had not received an explanation as to why my claim was denied. A letter was sent in the mail saying, Here are the notes we have in our system : Transaction conducted within customer geographical location. Lack of Digit wallet security care. 

Shortly after, I filed a report with the police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-04 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: ERC
State: MO

Complaint narrative:
The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 

1 ) XXXX XXXX # XXXX 2 ) Enhanced Recovery Co # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: Diversified Consultants, Inc.
State: MO

Complaint narrative:
The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 

1 ) Diversified Consultant # XXXX  2 ) XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was able to get my credit report in the past from all 3 bureaus as recently as XXXX XXXX from Experian and XXXX  XX/XX/XXXX credit Report conf # XXXX XXXX. But now I can not get it from XXXX or Experian. XXXX  states, The system was unable to get enough information to confirms your identity through a series of questions based on accounts and personal information even though in the past I have gotten my credit report through all 3 bureaus from a series of questions asked in the past but suddenly I have not built up a credit history enough to ask me a series of questions to get my report online. BULL. These organization take my credit data and sells it everywhere but when I want to see it myself they put up all these roadblocks and excuses. 
What is going to happen is unacceptable. You the CFPB is going to send XXXX  and XXXX my complain and in return they may or may not send me my report, but either way this is unacceptable because I want to have to save my report online when I want it and not have to complain to you the CFPB as my intermediary to force the credit bureaus to give me my report. Secondly, all 3 bureaus will send me the report and I will not be able to monitor my credit every 4 months as I only need one report at a time. 
I also would like to sign up with XXXX XXXX XXXX credit monitoring and with this problem persisting I am not able to do it. 
Tell these bureaus to get their act together and stop yanking the consumers chains. Thank you.

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 2019-07-04 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: NJ

Complaint narrative:
XXXX  XXXX is a fraud bank where they didn't report positive activity on my credit report until it went to negative then they reported the negative. XXXX XXXX is so irresponsible that put my credit utilization way over 100 % and it's not true. I used only in between the 100 % limit. Experian is standing up for XXXX XXXX by leaving my credit utilization over 100 % on my credit report. The XXXX XXXX account are already closed why leave the credit utilization so high, I am using those cards. Both Experian and XXXX XXXX are intentionally hurting my personal credit. Experian even put a security alert on my credit without my permission and is refusing to take it off. I got denied credit due to this Security Alert and this wrong credit Utilization. Please help.

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 2019-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Please refund the late fee of {$28.00} charged on XX/XX/2019. 
I was on the airplane and paid the minimum amount due as soon as I got home ( XXXX in the morning ).

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 2019-07-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Litigation pending with my attorney and possible class action lawsuit along with the one already existing regard numerous violations with this bureau, INCLUDING PERSONAL INFORMATION BREACH.. .This complaint is regarding existing current complaint with CFPB displayed with attached items BELOW! 
Report number displayed from where items were deleted. I have fraud alerts on each bureau. Besides third party vendor reports. Please prove legal in writing BY WAY OF MAIL THE validation of these debts that DO NOT BELONG TO ME OR REREMOVE THEM OR I WILL SEE THEM AND BUREAU REPRESENTATIVEs IN 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 non-monetary relief
Consumer complaint received 2019-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX P.O. Box XXXX XXXX, PA XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX PO BOX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Account # N/A To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 


Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation