vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
On our company Universal Premium Fleetcard statement dated XX/XX/21 there was a high risk transaction fee. Coincidentally we had received a notice dated XX/XX/21 that changed an account section called " High Credit Risk Account '' that I will include in the documents. When I called customer service about this fee the only information they would give me was an email stating that " the fee has been assessed due to low FICO ''. Now the terms of this state that our consumer credit score ( does not mention FICO ) as reported by a credit reporting agency utilized at their discretion can not fall below 600 ( this changed from 530 originally ). It also states that if it drops by 51 points or more in any 3-month rolling period that it could also trigger the high risk transaction fee. 
My complaint is that they should have to provide proof of this, not just send me an email stating our company has a low FICO. We do not pay for XXXX XXXX XXXX and we are not a high credit company. My issue is that this company can randomly charge this fee with no proof whatsoever of us failing to meet their terms. They should have to provide the data they are using because they should have to prove something that they set the terms for. This is not right.

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 2021-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc.
State: CA

Complaint narrative:
In XXXX I received {$500.00}. In XX/XX/XXXX the a count was closed. In XX/XX/XXXX the monies I accumulated through Moneylion was used to pay on the account. I was told this left a balance of {$100.00}. In XX/XX/XXXX I spoke with someone at Moneylion via phone and a rep via email. I was told the account went into collections as of XX/XX/XXXX. I was told this information would be reflected on all three Bureaus. Instead, Moneylion is reporting inaccurate information such as, dates the account was closed now states as of XX/XX/XXXX and I was told its only charged off and the {$100.00} is in a " collective state ''. I asked for clarification and received none. They again reported on my credit as of yesterday and today and once again the information was inaccurate and the balance is totally different again. I have all the emails and transcripts that states the current status of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX It has been more than 30 days and the Equifax has not sent me verifiable proof of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I am a client of Transworld System Inc., which owns my student loan debt. I have contacted them ( XX/XX/XXXX, XX/XX/XXXX ), and on several other occasions to correct the information on my account. 

They have sent me the same incorrect information twice claiming that it is the actual balance on the account. In the letter dating XX/XX/XXXX, my reported balance was {$32.00}, XXXX, on XX/XX/XXXX my balance was {$32000.00}. Both are incorrect. The correct amount should be around {$22000.00} ( the exact amount is undisclosed as of now by the creditor. ) in XXXX, TSI was sued by a group of plaintiffs from XXXX for reporting false information about its clients and subsequently lost the case ( class action lawsuit : Sharon Eul v. Transworld Systems , Inc., et al. - Case No. : 1:15-cv-07755 ) Higher Education Loan Program, under which agreement participants were offered settlement to reduce their loan balance to 62.5 % of the principal amount. 

TSI has repeatedly stated in the letters to me that they are unaware of such judgment against them taking place in the court in XXXX in XXXX, and they refused to obey the stipulations of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: GA

Complaint narrative:
XXXX XXXX  is mailing letters to Mr. XXXX XXXX and Mrs. XXXX XXXX in the names of XXXX and XXXX XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX. In addition, XXXX XXXX is inaccurately reporting a loan account in our names, MrXXXX XXXX XXXX and Mrs. XXXX XXXX, to Equifax, XXXX and XXXX. In XX/XX/XXXX, we mortgaged a residential property, XXXX XXXX XXXX XXXX ; XXXX, Georgia XXXX with XXXX XXXX  for {$51000.00}. Our closing attorney performed a title search on the property. The title search came back free and clear which resulted in XXXX XXXX authorizing the sale of XXXX XXXX XXXX XXXX XXXX, Georgia. In XX/XX/XXXX, we sold the home to a buyer with written authorization from XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, former Branch Manager/Assistant Vice-President of XXXX XXXX, XXXX XXXX, revealed to us a promissory note of a second mortgage loan, from year XXXX in our names that did not match our signatures. According to Mr. XXXX, the second mortgage did not meet XXXX approval guidelines and was fraudulent. The third page of the promissory note was duplicated with forged signatures. In XX/XX/XXXX, a Civil Action was filed resulting in a court order to restrain XXXX XXXX " from conducting any foreclosure '' on our former property. Even though XXXX XXXX authorized the sale of our former property in XX/XX/XXXX, Mr. XXXX XXXX and MrsXXXX XXXX XXXX has recently received notification from Equifax, XXXX, and XXXX regarding foreclosure action against the former property of Mr. XXXX XXXX and Mrs. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: GA

Complaint narrative:
XXXX XXXX is mailing letters to Mr. XXXX XXXX and Mrs. XXXX XXXX in the names of XXXX and XXXX XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX. In addition, XXXX XXXX is inaccurately reporting a loan account in our names, Mr. XXXX XXXX and Mrs. XXXX XXXX, to XXXX, Experian and XXXX. In XX/XX/XXXX, we mortgaged a residential property, XXXX XXXX XXXX XXXX ; XXXX, Georgia XXXX with XXXX XXXX for {$51000.00}. Our closing attorney performed a title search on the property. The title search came back free and clear which resulted in XXXX XXXX authorizing the sale of XXXX XXXX XXXX XXXX XXXX, Georgia. In XX/XX/XXXX, we sold the home to a buyer with written authorization from XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, former Branch Manager/Assistant Vice-President of XXXX XXXX, XXXX XXXX, revealed to us a promissory note of a second mortgage loan, from year XXXX in our names that did not match our signatures. According to Mr. XXXX, the second mortgage did not meet XXXX approval guidelines and was fraudulent. The third page of the promissory note was duplicated with forged signatures. In XX/XX/XXXX, a Civil Action was filed resulting in a court order to restrain XXXX XXXX " from conducting any foreclosure '' on our former property. Even though XXXX XXXX authorized the sale of our former property in XX/XX/XXXX, Mr. XXXX XXXX and Mrs. XXXX XXXX has recently received notification from XXXX, Experian, and XXXX regarding foreclosure action against the former property of Mr. XXXX XXXX and Mrs. 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 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: OR

Complaint narrative:
I sent a remittance on the wise website. I made a mistake when filling in the beneficiarys account number. The beneficiarys account number is XXXX. This remittance has been completed. I hope the receiving bank can return the money. Thank you very much. 

Amount : U.S. Dollar amount Recipient Bank Name : XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Number : XXXX For the Benefit of ( XXXX ) : XXXX XXXX XXXX XXXX Bank Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: CA

Complaint narrative:
XXXX and TransUnion has items that were due to be removed because the were open with out concent but has not removed it after the companies have closed out the accounts. 

XXXX has accounts from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. All other credit bueres have removed this as the company had admitted it as not mine. 

Transunion has a XXXX XXXX XXXX account which fell into the same category. 
Please remove asap. I have submited a FTC report about this already

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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:
I recently challenged the validity XXXX XXXX # XXXX {$3200.00} XXXX  XXXX # XXXX {$500.00} XXXX  XXXX XXXX {$2700.00} XXXX # XXXX {$650.00} XXXX XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$500.00} XXXX # XXXX {$1700.00} XXXX # XXXX {$7800.00} XXXX # XXXX {$12000.00} XXXX # XXXX {$4300.00} XXXX # XXXX {$5900.00} and XXXX # XXXX {$8600.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX has items that were due to be removed because the were open with out concent but has not removed it after the companies have closed out the accounts. 

Equifax has accounts from XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. All other credit bueres have removed this as the company had admitted it as not mine. 

XXXX  has a XXXX  XXXX XXXX account which fell into the same category. 
Please remove asap. I have submited a FTC report about this already

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the early quarter of XXXX, I had fell behind on some payments and XXXX  sent me a demand for payment. 

During the month of XX/XX/XXXX, I paid a total of {$7900.00} to take care of the outstanding balance and become current. 

A month later, on or about XX/XX/XXXX, XXXX wrongfully repossessed my car. This was an error because I was current and had been current for the entire month before. 

After demanding my vehicle back, XXXX returned my vehicle but had charged me for their mistake in repossessing my vehicle. On XX/XX/XXXX, they had charged me a {$850.00} fee for the return of the vehicle that they had mistakenly repossessed. 

Not only have they charged me for this mistake but they have also continued to report my car in repossession status even though I have the car even a year later and is still current on my payments. 

I have repeatedly called and sent e-mails to remedy this issue, however, they have failed to fix it on my credit report. I have not been able to purchase a home due to the repossession being on my credit report. Because of this, I have undergone a failed closing. Also, it has been substantially harder to rent because of this false reporting. 

To prove what I am saying, I have attached a copy of the false reporting that says " repossession '' status on my credit report. Also, I have attached a copy of the printout from XXXX where it clearly indicates that my next payment isn't due until XX/XX/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 2021-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I have detailed and documented pictures and information regarding creditors who have harmed attacked and tried attempts on my life that were XXXX in a Chapter XXXX bankruptcy filed out of the northern district of Texas. My husband is now dead XXXX and they have literally along with multiple other criminal organizations and other corporations initiated paid and bartered to achieve their goal. I need assistance protection and help with this matter that has been taking place since XXXX. XXXX XXXX XXXX, XXXX, mailing only I had to seek safety XXXX XXXX XXXX XXXX Texas XXXX Access and assigned an advocate who specializes with this situation and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Southwest Credit tricked me into paying a debt that had been settled in full by another collection agency, XXXX. I have all documentation that I would like to attach. I was originally defrauded into a contract with XXXX and they actually owe me {$480.00}. I complained to XXXX and they did nothing. They seemed more concerned with their subcontractor, XXXX XXXX, adding a service onto my account without my permission. 

I paid {$240.00} to Southwest Credit through their website on XX/XX/2021 because they tricked me into paying something that had already been settled. 

Furthermore, they sent me a letter dated XX/XX/2021 saying that I had authorized 3 more payments of {$240.00}. I did not. They said that the payments would be charged on XX/XX/XXXX and I needed 3 business days to " revoke my authorization. '' Since I this account was settled with XXXX, I would like my {$240.00} back and want to make sure that this type of inappropriate and probably illegal behavior be ceased at once. I do not want them to have access to my bank account. XXXX, my bank, told me that they would do nothing to reverse the charge and I would have to resolve it with Southwest Credit, which I tried several times today, Saturday, XX/XX/2021. 

I would you to take legal action against Southwest Credit in case others are being told that they owe money on accounts that have been settled by another agency or the original vendor. I would like you to also take action against XXXX to weed out and fire all sub-contractors that commit fraud. They have the 18 minute call recorded where this XXXX XXXX was doing everything possible to make sure that I didn't hear the details of the contract I was getting into in the first place. 

And mostly, I want my {$240.00} back from Southwest Credit and suggest you fully investigate this behavior. As I mentioned, I have a lot of documentation that I would like to add to this complaint in the way of file attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a letter in the mail today from Equifx, credit file date XX/XX/XXXX confirmation # XXXX and the name is still incorrect. The name on the letter is XXXX XXXX, my name is XXXX XXXX and I have told them this more than 100 times. I haven't used XXXX XXXX since I was divorced in XX/XX/XXXX. I have no credit under XXXX XXXX, no ID under XXXX XXXX and it is not my name!!!!!! 

I want my credit file corrected asap to my correct name which is XXXX XXXX XXXX and my address is XXXX XXXX  XXXX XXXX XXXX, NC XXXX and my employer is XXXX, XXXX and XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I saw a {$1.00} charge from XX/XX/XXXX and then monthly charges for {$19.00} going back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from merchant TRANSUNION. 

I am not even aware that I am signed up for any service from them other than the free credit freeze. The only reason I ever signed into their website was to lift a credit freeze that I placed long ago ( due to XXXX hack ). I never gave them my credit card information, so I do not know how they have been charging me. I never agreed to any service from them. 

I started a fraud investigation with my credit card company, XXXX. 

I signed into TransUnion website to see if it shows if I was signed up for anything and saw a link button on the website about " TransUnion Credit Monitoring '' cancellation so I clicked it to immediately cancel this service that I did not even know existed and I never signed up for. I am assuming that this is what the charges are for, as the credit card statement does not say what it is for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have an ongoing health/mental health XXXX XXXX since 2003 ) that prevents me from gainful employment and also from living an independent life. I work XXXX hours a week, making a total of $ XXXX {$500.00} per month. My doctors are willing to certify the truthfulness and extent of my XXXX. However, Navient, a private lender has a TPD whose wording is so narrow that someone like me can't possibly qualify. To qualify under their TPD, I would need to be totally XXXX, unable to work at all, and unable to earn anything, unlike the federal TPD. Under my XXXX, I can not work enough hours or make enough money to make even their smallest monthly payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Report took more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: OH

Complaint narrative:
I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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