vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Missouri is being reported on to the file that your company maintains up under my personal file with accounts ending in XXXX and XXXX and. I have never had an account with Bank of America. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered the bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

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 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: NY

Complaint narrative:
On XX/XX/19 opened a MoneyLion Checking Account as they had a " Pave the Wage '' bonus offer of 17 % bonus of the first initial Direct Deposit. Per the advertisement, I : 1 ) Joined Money Lion 2 ) I opted in on the App ( XXXX ) and obtained the Direct Deposit Form. I ( like many others ) never received an email confirmation although the app itself did notify me that I had opted in. 
3 ) Setup Direct Deposit ( first DD was deposited on XX/XX/19 in the amount of {$2300.00} 3 ) I maintained at least 90 % of the initial Direct Deposit every 2 weeks for 90 days. 
4 ) The up to 17 % ( so 17 % of {$2300.00} = {$400.00} ) has not been credited even though MoneyLion states it would be credited in 90 days of the initial Direct Deposit. 

I have tried contacting Money Lion several times, but they have removed all on-line access and you can no longer email them. Further, the phone # has had wait times " over 30 minutes '' and I've input my phone # to be called back several times. Have yet to receive a callback even after a week. 

If money lion says that the Trial Deposit from XXXX XXXX interrupted the Direct Deposit they are lying. Direct Deposits were every 2 weeks and clearly noted as Direct Deposit. Money Lion removed any ability to transfer funds OUT of the checking account ( I have an email where they said that the feature is being worked on ). Therefore, the only way to transfer your funds out of their bank is to link an external bank and " pull '' ( via ACH ). Therefore the XXXX Trial Deposits were needed. And those deposits were *clearly* labeled Trial Deposits, not Direct Deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: FL

Complaint narrative:
I have closed accounts on my credit report that should not be there, they are showing incorrect balances and information unrelated to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was a victim of identity theft. Bank of America, and XXXX XXXX  has refused to remove the negative information from my 3 credit reports. I want my clean record back for the future.

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of identity theft. XXXX XXXX XXXX, and XXXX XXXX has refused to remove the negative information from my 3 credit reports. I want my clean record back for the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
They put two charges a derogatory marks on my credit that do not belong to me. They were in my ex wifes daughter name and not my child. XXXX took them off right away snd I submitted a dispute the min it showed up. I have XXXX XXXX   and am in good standing and even contacted them and they agreeded not mine. This debt comp preferred cms out 106 ) 5 then 107 two times on my credit snd they are 1000 % not mine. They called once a long time ago and a year later it shows up on mine. I haven't lived with my ex in 2 years. I request it be taken on and removed just as the other credit B did.https : /XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: GA

Complaint narrative:
Disputed the amount of HOA ( home owner association ) fees. When amount is in dispute or not correct, homeowner is not required to make payment on disputed amount. HOA egregiously reported amount in dispute to credit bureau as late payment. Once account was reconciled, bill was immediately paid, however HOA and credit bureaus have been negligent in removing late payment from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a complaint with CFPB. The complaint number is XXXX. 

The complaint was closed and stated that I was supposed to receive correspondence from TransUnion regarding how they verified information on my credit report. I have never received any letters or phone calls from TransUnion regarding my issue. 

I am requesting this erroneous information be deleted from my file as they have violated FCRA on multiple occasions. First they did not respond to my original request within 15 days and I have not received any information regarding my CFPB complaint.

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 2019-07-23 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: TN

Complaint narrative:
I submitted a dispute with Equifax about 2 collections on my credit file which are showing open and without a creditor 's name on the item, only numbers. The agent told me that it was showing closed on their end but a dispute would be submitted. I received an email notification for results completion on XX/XX/XXXX, but it doesnt provide a means to display the results for confirmation XXXX. I have previously been told I must have been accessing the old system. I refreshed my Equifax credit report today, but no changes have been made. I have been adversely affected by the improper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Netspend Corporation
State: OH

Complaint narrative:
I would just like to cancel my card order.

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 2019-07-23 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: CA

Complaint narrative:
On my previous dispute to XXXX / Transunion, XXXX FALSELY ACCUSED ME The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. Therefore, we are declining your request to block one or more of the requested accounts. 

I DID NOT OBTAIN ANY GOODS, SERVICES, MONEY of any of these accounts. 



I have reported XXXX and Transunion to the office of my attorney generals office : XXXX XXXX, as my rights under the FCRA 2009 have been violated by both of these consumer reporting agencies, I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT The Federal Law as explained to me by my Attorney Generals office is that ; Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days. 

The fraudulent account that I am requesting be blocked and asking XXXX to cease and desist reporting are. XXXX XXXX : {$3700.00}, XXXX XXXX XXXX {$4600.00}, and inquiries with XXXX, and XXXX, I have never applied for any XXXX  product or XXXX PRODUCT, please delete these inquiries as I have never applied. 

The inquiries are ; Inquirer Name XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX AUTO ; Inquiry date : XX/XX/XXXX XX/XX/XXXX XXXX CARD ; Inquiry Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2019

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 2019-07-23 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I opened a dispute with M & T bank for 4 transactions that i did not recognize. Claim number : XXXX. Card ending in XXXX. All 4 transactions were done on the same day on XX/XX/XXXX. M & T bank honored 3 of the 4 transactions. The 4th transaction that M & T bank did not honor was for XXXX for the amount of {$130.00}. The reason for the denied transaction was my email was found on " XXXX XXXX XXXX  ''. I used XXXX  XXXX in the past and the phone numbers are not that accurate let along emails. Also was stated because i have used XXXX group on XXXX XX/XX/XXXX that my XXXX transaction must be me. I have never used XXXX group before. Why would 3 out of the 4 transaction be honored and the 4th denied if they all happened on the same day.

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 2019-07-23 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:
I am a Victim of Identity Theft. I have sent supporting documentation to XXXX, XXXX AND TRANSUNION but they ARE NOT removing and/or blocking the FRAUDULENT ITEMS from being reported to my Credit Report. Will you PLEASE forward my supporting documents to these companies and have them REMOVE the FRAUDULENT items from my report? 
** I fully intend on seeking legal actions due to their negligence ** The following Items have been submitted numerous times : Valid ID Copy SSN Proof of Address Police Report - local Police Report - federal List of Fraudulent items in reports FCRA 605B form

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 2019-07-23 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: IL

Complaint narrative:
XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} CHARGE-OFF {$4500.00} NXXXX/XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XX/XX/XXXX {$470.00} CHARGE-OFF {$1000.00} XXXX XXXX XX/XX/XXXX {$77000.00} XX/XX/XXXX {$77000.00} CHARGE-OFF These should be removed, I've disputed this the 1st time they appeared on my report Equifax, keeps sending to there overseas office. ive sent police reports as well as FTC.GOV this is affecting my job. Ive have been hung up on and treated very bad with. this matter. Ive even better ask questions about my name being XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
calling and harrassing me. contacting my employer saying they will come to my work to collect a debt. keeps calling my phone leaving messages. just want them to stop cause my work will not accept calls from them or let them on the premises thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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:
I received a letter XX/XX/2019 from Synchrony Bank stating that my account was closed due to " the number of dishonored payments on this account. '' I called them and was told there were 2 dishonored payments in 12 months that prompted their actions. The dishonored payments were reflected on my daughter 's bank account when she tried to make a payment. I received a notice and immediately paid the balance in full on XX/XX/2019 before the due date. I've worked hard to build my credit for a future home purchase. I was told to reapply for another card. I don't care about the card, but the damage to my credit since I'm planning to buy a home next year. I've been making 100 % of my payments on or before time. My daughter called them and tried to explain, but they refused her explanation. I've learned a valuable lesson about Paypal. My efforts to be a good customer wasn't important to them.

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 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Bought property and mobile home in 1997, we have always paid our own property taxes. We never requested for mortgage to be escrow, now we only have 2 more years to pay home off. This year our tax return did not come in as usual, we managed to pay mobile home taxes. Property tax carried into XXXX, when I went to tax office, I found out that Ditech ( XXXX Az. ) had paid taxes XXXX I was not aware of this, now my mortgage has been turned into escrow account ... Here are the numbers that bother me and Ditech refuses to be fair and work with me..I understand that account was running behind a month and had late fees, that was brought curffent this month with payment of {$2000.00} ... Only 2 years left on mortgage, payment increased from {$740.00} to {$1000.00} a month.. Our property taxes average {$1300.00} if paid in XXXX ... Mortgage payment increase is {$330.00} more a month, in 10 months it's {$3000.00}. I can pay next year taxes this year, plus since it turned into escrow account {$12000.00} we're added to final mortgage amount. I requested for the {$1500.00} to be added to final mortgage to pay back..request was denied. I seriously feel that Ditech is taking advantage of me.. I have talked to reps and supervisors, and sent written request, nothing has been resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX I used Experian in order to receive my 1 annual free credit score report in order to submit an app to rent an apartment. I did not realize the fine print included signing me up for monthly {$23.00} charge from Experian for some sort of account to monitor my credit. I did not realize this was included in the fine print and have never used this service. I feel the " opt-out '' payment policy is dishonest and intentionally designed to fool customers and is intended to be easy to miss. 

On XX/XX/XXXX I called the Experian customer service line to cancel this account. Before being put through to customer service they attempted to sign me up for yet another service which cost $ XXXX month and I had to sit through an automated pitch. I spoke with a rep named XXXX ( Reference number = XXXX ) who confirmed I cancelled the account over the course of the call with the automated service, but declined my request for a refund. They simply don't offer them. I am bombarded with marketing emails but I have never even logged into this account, perhaps with the exception of the process of acquiring the free credit report, and could not even provide my account information when requested by the automated service. 

The FCRA requires these companies to provide 1 free copy of your credit report every 12 months and I feel the misleading methods they used to take advantage of this annual request and sign me up for an costly account is unfair and unethical and that I am due a refund for all charges from Experian. The membership ID included in the cancellation confirmation email I received = Membership ID # 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 2019-07-23 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: SC

Complaint narrative:
On XX/XX/2019, I mailed a dispute letter to Equifax explaining that they are reporting information regarding my XXXX auto loan incorrectly, stating that the account is an open account and that I am 90-119 days past due with a balance owing of {$21000.00}. I had asked that ( Equifax ) correct the information based on the documents I'd provided XXXX my XXXX account 's bank statement ), along with my dispute, to support my claim which shows that the account is paid in full, with a zero balance. Upon receipt of my dispute, they performed and completed a 30 day investigation for which on XX/XX/2019 I was notified in writing that the " information is being reported accurately ''. 

I've notified XXXX for assistance in the matter, in which, who also confirmed that this account is closed, paid in full. And they ( XXXX ) had advised that " I should dispute the matter with the credit bureau, for the credit bureau is the one who is reporting the information ''. 

I feel, at this point, I am going in circles, with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I used this company to try and purchase something from someone I assumed was a reliable vendor. They allowed this company to steal my money and not return it. Furthermore a lot of other people have been filing fraud claims on this company and PayPal isn't doing anything but freezing this account. While they are freezing the account they should be returning the funds of the consumers. We as Consumers are  suppose to be protected from things like this. It's sad I have to go through such desperate measures to reach someone in the Corporate Office. I want and need my money I have children to support and can't afford to have over {$150.00} stolen from me! PayPal needs to have better protection for their consumers or just leave the Business to others who actually care.

Company response to consumer: Closed with explanation