vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
I used Xoom, a XXXX service to send money to a friend in XXXX XXXX, XXXX on XXXX XX/XX/2022I received an email that they have verified my funds were available and the money transfer would be rush delivery at no extra charge. Then amount was for {$300.00} plus {$5.00} transaction fee. The exchange rate was XXXX XXXX PHP. Recipient receives XXXX PHP. I started tracking the account the following date XX/XX/XXXX and the transaction status showed on tract. Transfer in progress. Today is XXXXXX/XX/2022and the money has not been delivered. I have sent Xoom several emails following up to see why the money never got to my friend and but their website was still showing transfer in Progress. The reply to the emails I have been getting back are all the same generic responses. In XX/XX/XXXX, I sent them another email demanding to cancel my transaction and credit back my credit card since the transfer never happened. I got a response saying before they can do it they will need confirmation from their payment partner. Its apparent that their payment partner has ghosted them. I had no hand in Xoom 's choice of payment partner so I should not bear the consequence if they defaulted. As of today the transaction status on my account still shows on tract. Still no money transferred and no credit to my account. I just want my money credited back to credit card since it is accruing interest. Please help me resolve this issue. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17 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: MI

Complaint narrative:
I noticed that XXXXXXXX XXXX had inaccurately reporting information monthly on my crafty report as if there is new/updates information for this account and there has not been any updates or activity on this account in about 6 years. When I brought this issue to the attention of all 3 crafty bureaus they gave me the run around a claiming they didnt understand my request. I was clear in my statement of incorrectly reporting an account which has had no activity. XXXX XXXX  continues to report just recently as XX/XX/XXXX. 2022 in this Closed account. 

They should not be reporting on a closed account that has had ABSOLUTELY NO ACTIVITY IN 6 years!!! They continue to report it as activity hence extending the 7 year expiration time which is illegal!!! 

They have been avoiding addressing this issues spitefully.

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 2022-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HomeTown Lenders, LLC
State: OH

Complaint narrative:
In XXXX of XXXX I started the process to refinance my mortgage through XXXX XXXX XXXX. As the process proceeded I found out I would be relocating for work so refinancing a house I was about to sell made no sense. After speaking with XXXX XXXX from XXXX we stopped the refinance and switched the application to a conventional mortgage. As I started my relocation process I requested my pre approval letter from XXXX. He provided a pre approval letter dated XX/XX/XXXX that stated " The loan approval is continent upon preliminary title and satisfaction property appraisal, and down payment being verified ''. 

On XX/XX/XXXX I submitted an offer on a house and it was accepted. As we went through the process I paid {$2400.00} in earnest money and began the process of getting the home appraised and inspected. On XX/XX/XXXX after days of trying to get a response from Mr. XXXX regarding the status of the loan he finally responded saying that he had to re-run my credit and was no longer able to offer an conventional loan. The neighborhood I was moving to did not allow FHA loans so I was unable to purchase the house. I followed up with a question to XXXX and to this day have never heard a response. 

Due to this, I lost the amount for my earnest money, inspection, and appraisal. Furthermore, I was forced to begin the home buying process over again with approval from a different lender as an FHA loan. This caused me to have to live in a hotel, and incur multiple other unnecessary expenses until I was able to find a home, get the offer accepted, inspected and closed while using another lender. 

This could have been prevented by XXXX running my credit for pre approval from the beginning instead of just using the same credit report from the refinance for the pre approval letter. 

I previously had my mortgage refinanced with XXXX and it was a pleasant experience. I would think that a repeat customer would be treated better.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17 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: NY

Complaint narrative:
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account after multiple letters and phone calls.

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 2022-01-17 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: NY

Complaint narrative:
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account after multiple letters and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: IL

Complaint narrative:
These are inquiries that I have attempted to get information on that were not authorized. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX ( twice ) XX/XX/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 2022-01-17 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: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not obtain a job, can not apply for credit, and can not obtain a SBA loan due to the pandemic. Under this crisis, you have hurt my ability to use my credit.

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 2022-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My USA government and state checks have been signed with a computer and printer, then deposited in accounts in which I have no access. Chase Morgan Bank- XXXX XXXX XXXX XXXX XXXX Ohio , USA has been active in covering up an embezzlement scam since 2020. No cooperation with myself or federal agencies has taken place. 

XXXX XXXX and his manager of Chase Morgan Bank- XXXX XXXX XXXX XXXX XXXX Ohio XXXX USA seem to have changed bank accounts in response to complaints and federal investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These are inquiries that I have attempted to get information on that were not authorized. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX ( twice ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: CA

Complaint narrative:
Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX 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 2022-01-17 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: CA

Complaint narrative:
Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX 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 2022-01-17 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: U.S. BANCORP
State: CA

Complaint narrative:
I was State Farm Bank Credit Card Clients From XXXX Until XXXX when US Bank Merge or Purchase the State Farm Bank. On XX/XX/XXXX, I received a letter that US Bank is Closing both My Credit Card Account In accordance with the terms of their cardmember agreement which is surprising Knowing that US Bank had a history with me on closing in the past XXXX years My Bank Account with US Bank Base ON Bias and Not Athetical and Violate the Consumer Financial Protection Bureau rules and regulations and I would like to investigate the bank From the past originally closing my first account until today closing my others 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 2022-01-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-17 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: LEXISNEXIS
State: GA

Complaint narrative:
I have placed multiple requests to receive my free annual report 2 to 3 months back and still have note received any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Since I listed a used iphone for sale on XXXX XX/XX/22, two buyers contacted me, keep asking me to pay or purchase more. XXXX XXXX tried to scam me with XXXX. I quit contacting him once I figured out something wrong with my bank advice. The second one, XXXX XXXX XXXX XXXX ( name on XXXX ), wanted to pay me with Venmo. She sent {$200.00} to me, but Venmo Support transaction administrator XXXX XXXX emailed me saying they had problems to credit it to me as my account was not a business user, and I had to expand my limit by sending the buyer additional {$300.00}. As soon as this is done they will credit {$500.00} plus {$50.00} compensation fee to me from Venmo. I send {$300.00} via XXXX to XXXX XXXX, her relative, at buyer 's request, but after anxiously waiting for the refund transaction hours, I got another email from XXXX XXXX, saying there's a problem to proceed it, I had to buy {$300.00} gift cards of XXXX from XXXX for the buyer, promising all would be paid back to me afterwards. Nope again. Early in the morning XX/XX/22, I got another email saying they discovered my account won't be able to receive the pending fund of {$550.00}, and they can only deposit {$1000.00} into my account. Before they could do it I was required to get gift cards or Bitcoin worth {$500.00}, and I had to do it within 2 hours, otherwise the whole thing would be terminated and all my money would be gone. The buyer also pushed me to take actions to avoid losing money for both of us. I questioned XXXX and the buyer, and they all said it was safe and I was protected. Under pressure I went to XXXX and got {$500.00} gift cards of XXXX XXXX ( 2x {$200.00}, 1x {$100.00} ). I thought this was the end of all the headaches, and I was wrong. XXXX 's email said they discovered {$300.00} of the gift cards was invalid and I need to purchase another {$300.00} gift cards quickly. At this point I was certain I was scammed, not just by Venmo 's XXXX XXXX, but by the buyer too. They cooperated to fool me scam me. I regret I didn't wake up sooner. Now I lost {$1100.00} cash ( {$300.00} XXXX, {$300.00} gift cards, {$500.00} gift cards ) plus my mailed out iphone {$200.00}. I saved all the emails between Venmo and me, proof of my payment via XXXX, receipts of gift cards, ups shipping receipt, etc. Please find out those online scammers, punish them and alert the public. I am afraid my money is gone for good, of course I would be overjoyed to get it back. Your time and dedication to the justices are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX hospital states they sent me to collections ( Medical Data Systems ) with a bill with the first delinquency effective XX/XX/XXXX. On that date I was in the XXXX recovering from XXXX XXXX so the itemized bill would not be ready for a few more weeks following my discharge pending what was received from my insurance company. The first payment was not due for a few months following my discharge. 
I underwent payment plans and paid the final payment ( {$2100.00} ) to XXXX on XX/XX/XXXX. Medical Data Systems states that they paid off my debt ( {$170.00}, {$170.00}, {$200.00}, & {$360.00} ) as of XX/XX/XXXX when I had not undergone payment agreement nor paid any money to this company.

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 2022-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
My XX/XX/XXXX bill with a due date of XX/XX/XXXX in the amount of {$58.00} was never received by me in any form which is an on going issue with this company. As a result the following months payment due on XX/XX/XXXX was now {$110.00} which includes the past due of {$58.00} which is clearly visible on their own paper statement. On XX/XX/XXXX the past due amount was paid bringing me current and only owing {$58.00} by the XX/XX/XXXX due date. On XX/XX/XXXX {$2000.00} they withdrew {$110.00} from my account even though I paid the past due amount on XX/XX/XXXX going against the signed minimum auto payment due document. I requested the extra payment to be credited back to my payment method and I was told no. I want the {$58.00} credited back to my payment method. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I have placed multiple requests to receive my free annual report 2 to 3 months back and still have note received any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: FL

Complaint narrative:
Made several deposits through XXXX and XXXX XXXX onto my cash app card to have money on my cash app prepaid card to pay my bills. After depositing funds woke up to login to my cash app account and my cashtag and user information no longer existed. I just disappeared like I never existed. Since I couldnt login to my cash app account I could submit complaint under my cashtag or user name. So I had to create new cash app account with new cash tag name to file complaint on my mystery missing account. I sent several emails and complaints to cash app with proof of my deposits, debitcard with cash app, copy drivers license and etc. Proving this was my cash app account and asking to please help me regain access to my funds. They said they couldnt this was at the beginning of XX/XX/2021. Still no resolution to my ripped off funds.

Company response to consumer: Closed with explanation