vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Accurate Background
State: CA

Complaint narrative:
My LEGAL last name since birth is " XXXX. '' My step-fathers last name was " XXXX, XXXX but never mine and I have never used it legally or otherwise hyphened my last name. This last name of " XXXX '' is showing on my report multiple times is INCORRECT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 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: NV

Complaint narrative:
This account was fully paid. Ipaid it even I lost the card and not the one who use it. but it still reporting on my credit report as negative. Please help me to fix it. Thanks

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 2022-01-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This account was fully paid. Ipaid it even I lost the card and not the one who use it. but it still reporting on my credit report as negative. Please help me to fix it. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: NV

Complaint narrative:
This account was fully paid. Ipaid it even I lost the card and not the one who use it. but it still reporting on my credit report as negative. Please help me to fix it. Thanks

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 2022-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1 STOP MONEY CENTERS, LLC
State: AZ

Complaint narrative:
I called due to my job cutting our hours to make payment arrangement for my loan on XX/XX/XXXX I was told that they would note my account for the amount being paid on XX/XX/XXXX for {$170.00}. On XX/XX/XXXX {$240.00} was withdrawn from my account unauthorized by me. I have called and disputed the charge but they said there nothing that can be done because that is my past due balance. I stated the whole point of making arrangements is to be able to pay what I can without jeopardizing feeding my children. I feel this practice is against the law especially with the Covid Cares Act in place. Our business is slow due to new cases and I am being penalized with unauthorized charges. I want my loan removed and wiped clear for the collection calls and unauthorized practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Social Finance, Inc.
State: UT

Complaint narrative:
I received an email promotion on XX/XX/21 stating if I opened an account I would receive {$20.00}. I never received this bonus and today I was told I had to add {$10.00} but nowhere in the promotion does it say that. It has been more than 10 bus9ness days. I was also supposed to get {$10.00} for credit monitoring which I never received, and {$50.00} for a referral bonus. You confirmed the referral was done successfully, but I only received 500 points which equals {$5.00} not {$50.00}. I am missing 4500 points for this referral. I have chatted three times with zero resolution. This is a classic bait and switch and I would like the funds totaling {$80.00} added to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: DISCOVER BANK
State: NV

Complaint narrative:
reported it several times to discover company but they never paying attention. they keep on telling me its me. My signature on the card is like XXXX my intiial. I lost the card and reported to them but it was used already. it so easy to copy my signature. I told them to help me several times. its not my transactions. Nobody helps me. Please help me to fix this it gives so much impact in my credit score.. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I started receiving a bunch of emails welcoming to my new account at Moneylion that I didn't have or setup an account with. The emails included everything from welcoming me to my account, to your information has been updated and your virtual card has been setup. I immediately searched this Moneylion on the internet to find it's a real company so I reached out to them on the phone number ( XXXX ) found on their website. I was on hold for about 15 minutes when I finally talked to a customer service rep. I talked to her briefly and she did confirm there was an account in my name. I explained to her what was going on and she gave me a number to call which is XXXX for their fraud dept. I called this number multiple times over many days to just get put on hold for hours and then it hangs up on me. I called the 888 number again and talked with the customer service rep and she forwarded me to the fraud dept. Again I was put on hold for hours and hung up on over and over. I called the 888 number again and asked for a supervisor only to be disconnected again. I would like to get this resolved. I did not set this account up and at this point i don't know if they have my bank info or what is going on. This is fraud and I want to close this out and return anything that was taken. I also attached some of the emails I received for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
A derogatory mark has been made on my credit score due to a account being sent to Collections ( listed below ) MIDLAND CREDIT MANAGEMENT Opened XXXX This is from someone fraudulently opening a credit card to purchase plus size clothing online. The credit card is called ( XXXX XXXX  ) The only time I have opened a credit card was at XXXX XXXX ( clothing store ). I believe there was a data breach in their system and my information was stolen. I have refused to pay off the XXXX XXXX account because it is a fraud charge by someone else. It has now been on my credit for 1 yr 11 Mos and negatively impacting my credit score. 
I have disputed this account with XXXX XXXX in the past claiming it was fraudulent, but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have repeatedly attempted to resolve with PNC, and it continues to report delinquency on my credit report. In addition, PNC is charging late fees when the payment is made on the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Securus J Holdings, LLC
State: NY

Complaint narrative:
My last complaint was submitted and this was the file number XXXX. It's in regards to JPay services and how they are provided. The company responded by actually giving us a XXXX dollar credit. Yes XXXX I have sunk XXXX into this tablet they give a XXXX dollar credit. And they did send a new tablet ASAP. That would actually be satisfactory if the tablet the sent was not damaged. It can not be charged it over heats. And it has no sound. This is what this company does. The tell people it is a courtesy tablet from the state of new york, to entertain the inmates. The tablets are like first generation. First of all. You have to practically give your life in order to get it replaced. As proven this has been going on since XXXX.they send a faulty tablet. My husband can't even right a ticket cause the XXXX  in the jail isn't working. That's just a couple of issues. I have sunk at least XXXX in media he can not watch or hear. Including videos I have sent and other family. XXXX is not a free tablet. That's an XXXX product.not to mention to send money they charge XXXX you must purchase stamps is order to send email and videos and pictures. And then when you call to finds out why they never received msg. The jails tell you to call JPay. JPay does nothing but have horrible customer service. Everything is right a ticket and wait for response. I had to right a ticket and wait two weeks just for them to respond back if the tablet is in their possession. After it was we have two wait to more weeks for a ticket to be sent in order for it to be approved to be sent out again. SERIOUSLY!!. Then they also like to tell you their job is to get msg videos pics to the facility to that's why they charge us. No thief job is to get it to our loved ones. At least this is what they say. So if it goes to a facility and the content is denied people should be refunded. They should have a system for that. JPay is literally ripping people off. So I pay to send him things that he doesn't get that the facility doesn't want him to have or allow. And every place is diffrent. But yet they do not have a system set up for JPay to see if it was denied. So they can refund us. So end result I had to open another ticket cause now they sent a tablet that gets to hot to charge and had no sound that can't be synced to the XXXX  because it is broke. REALLY. This company should be shut

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied for a care credit through Synchrony bank back ion XX/XX/XXXX. At that time they started taking on some sort of fee called card security which i at no time signed up for. I called them in XXXX and last year XXXX and ask them to stop charging me for this and to cancel. Both times they said it was canceled but yet they have continued to take between XXXX and XXXX dollars out each month for this service which comes up to about XXXX bucks for at least two of the years and XXXX the first year. I am getting no where with trying to resolve this through them so that I can get my almost {$600.00} dollars back that has been stolen from me. I NEED this resolved and my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL
State: GA

Complaint narrative:
apparently XXXX XXXX XXXX, AFTER I paid a settlement of XXXX dollars sold the account to XXXX, who got some type of judgement against me in XXXX  of which I was never notified. They hired one law firm to harass me and after complaining that firm dropped it, Now they have hired XXXX, XXXX, XXXX & XXXX who are now threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank is still holding the funds on a check that my daughter deposited on XX/XX/XXXX and which has cleared the makers bank on XX/XX/XXXX. Both XXXX and I have excellent credit we have both never bounced a single check in our lives and that also goes for the maker of the {$2000.00} check she deposited on XXXX XXXX who is my father who has never bounced a check in the XXXX XXXX hes been alive. When I called the contact center the first person I spoke with I believe his name was XXXX told me that the reason for this extended hold was that XXXX was randomly selected much the same way potential terrorists get randomly selected for screening at the airport. Because this made absolutely no sense especially given that Ive been working as a XXXX XXXX for 26 years, I requested to be transferred to a supervisor. That supervisor who I believe was named XXXX assured me that the representative I spoke with had provided me with miss information and that my daughters account was not randomly selected for the special hold. Instead she told me that TD Bank had reason to believe that this check which cleared my fathers bank account on XX/XX/XXXX was uncollectible. She apologized for the inconvenience and transferred me to XXXX in the fraud department. XXXX stated the same thing however she mentioned that she would put through a release of the hold that she hoped would be processed by Sunday, XX/XX/XXXX. As I write this at XXXX on XXXX XXXXXX/XX/XXXX the hold remains on this account. I would like to know why my daughters account that I am joint with has been singled out for an exception hold that is going on seven days. I would like an explanation of what information was used to make this decision. I would also like an explanation as to how this hold which we were not informed of at the time of the deposit is in compliance with regulation cc. This account has an average balance of {$20000.00} and my daughter was traveling this past weekend. If she had relied on that deposit you wouldve stranded her during her travels I have zero faith left in TD Bank and I will instruct XXXX to find a financial institution that does not treat her like a common criminal. The same maker wrote XXXX a check off the same account for XXXX in XX/XX/XXXX and it cleared then too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
This is the third time I'm reaching out to Rushmore Loan Management LLC about correcting the credit reporting on this account. I was told to wait 46 days from the previous correspondence dated from XX/XX/XXXX. I was told this would be updated and if not to send a copy from my credit report showing the account was reported late. I have attached a copy of my report showing account is still reported late even though correspondence form a XX/XX/XXXX letter indicated I was approved for a modification and the trial period would start XXXX. Also, previous correspondence stated that all credit reporting would be suppressed until XXXX, which apparently that didn't happen. I really insist that this get updated immediately since I have been told previously this was sent to all three-credit bureaus. This has caused my credit score to drop by XXXX points. I also made a payment to Rushmore in XXXX before the loan was transferred to XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I'm currently using paypal credit, they have changed my due date without any notification and all these time I've been charged for late fee every single month because my due date was changed with out any notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filled a dispute in regards to the incorrect items in my credit report. It has well been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
My loan is/was with XXXX XXXX XXXX. I was on a forbearance plan which terminated on XX/XX/XXXX. I signed up for a junior mortgage and was to begin making payments again on XX/XX/XXXX. 

XXXX XXXX XXXX supposedly sold my loan to XXXX XXXX XXXX XXXX XXXX, which has no record of my mortgage. 

When speaking with XXXX on today, XXXX ( XXXX ) stated she could take my payment over the phone. I stated I wanted to pay online. I was then transferred to XXXX XXXX ( XXXX ), who told me that I could not pay online because I had written too many bad checks. I told XXXX I had never written a bad check in my life and had been paying online since they bought my loan in XXXX. XXXX then transferred me to XXXX ( XXXX ), a supervisor, who said my loan was in the process of being sold/transferred. 

I asked XXXX how do I pay if the new company says they have no record of my loan and he said their was nothing he could do. 

I am also concerned with the fact that I completed junior loan paperwork with Lakeview Loan Servicing, yet, they sold/transferred my loan.

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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was looking to purchase a new home and needed a pre-approval from Wells Fargo- the preferred lender of the builder. I applied with the builder 's contact at Wells Fargo and I was not pre-approved through Wells Fargo. I applied with Wells Fargo on XX/XX/2021 I later found out that the loan officer I worked with shared my personal financial information with multiple people and talked negatively about my financial situation. He shared a list of my debts and financial information with the builder 's realtor, who then shared it with my realtor and my future mortgage broker. I have no doubt that it was also shared with others that I am unaware of. 

I do not how much information was shared but I was told by my realtor and mortgage broker that they both were uncomfortable with the amount of information shared with them. 

I did not submit this complaint sooner because I do believe that the Wells Fargo representative and the builder 's realtor have some sort of quid pro quo deal and I did not want to jeopardize the real estate deal - I later found financing outside of Wells Fargo.

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 2022-01-03 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: The Receivable Management Services LLC
State: GA

Complaint narrative:
Receivable MGMT does not have a contract with myself. The FCRA requires a written contract. Receivable MGMT has not provided verification. Only a final bill that is not itemized nor does it reflect the actual account holder. I was not given an opportunity to dispute, because I do not live at that address. 

By law, receivable MGMT is required to remove any negative reporting while they investigate, the are not legally able to keep any inaccurate information on my report while they try and find validation. They should have this documentation already if they intend to collect. 
This account was protected under the CARES act and was communicated to the original debt holder which is NOT Progressive. I plan to follow up with the State Attoney Generals office

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 2022-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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