vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: MA

Complaint narrative:
Moneylion has been reporting monthly erroneous account balance as delinquent for over 24 cycles. I have attempted to dispute with all three credit bureaus but with limited to no change. 

How can one account be charged off every month ( 24 times ) and remain closed? The apparent history of this account if fabricated and entirely not authorized by me. 

I never agreed to a loan or to any terms or payments. This is not only inaccurate, but predatory to report monthly charge offs to falsely pull down credit scores Reporting 24 charge offs on XXXX 7 charge offs on XXXX! 
XXXX was finally recently removed This account was never opened by me and likely part of my data that was stolen in XXXX  breach. I have reported this and attempted to contact moneylion to remove these monthly deliquent late payments as well as the entire account and history. 

Im not sure what information they have that apparently confirms its validity, but I have never opened an account with them or taken any kind of loan. Likely stolen information was used from my identity. 

Please confirm that this entire account is removed in entirety across all three credit bureaus due to identity theft and unauthorized account creation. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I'm being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I has been well over 45 days. Which mean it should be deleted immediately. If they are deleted from my credit report. I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.

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 2020-11-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I'm being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I has been well over 45 days. Which mean it should be deleted immediately. If they are deleted from my credit report. I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.

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 2020-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
When opening the account, was drawn to the promise of 3x points on travel purchases. While using the card for a few purchases with XXXX ( a large, vacation rental marketplace ) this year, I noticed I wasn't receiving 3x points, but rather 1x. While using the card for a similar service called XXXX, I did receive 3x points. I called on XX/XX/XXXX to rectify, but was told by an agent there was nothing she could do. Here are the dates : XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$280.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$190.00} In total, missing 4,471 points, which has a monetary value of XXXX {$44.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/2020 I sent LVNV Funding LLC a letter requesting validation of debt LVNV Funding LLC claims i owe to them. On XX/XX/2020 i received an itemized list of alleged charges they claim I owe to them. As of XX/XX/2020 LVNV Funding LLC is still reporting these collections on my credit report, which is considered to be a collection activity. LVNV Funding LLC is now in violation of FDCPA and are subject to fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I mailed LVNV FUNDING a debt verification letter on XX/XX/2020 asking the collection agency to verify the debt. LVNV funding responded with a letter just stating I owed {$960.00} dollars for a credit card debt with XX/XX/XXXX I then sent a letter certified return receipt on XX/XX/2020 ( delivered XX/XX/2020 ) stating their response was insufficient, and requested the contract I signed that gives them legal standing to collect said debt. Their attorney XXXX XXXX XXXX sent a letter stating LVNV funding would obtain a debt verification or a judgment against me for said debt. LVNV funding refused to validate the debt and ignored my request for the contracts it assumed I signed giving legal grounds to collect debt. I disputed the account from my credit report XX/XX/2020 with XX/XX/XXXX for failure of debt validation by LVNV Funding. I also disputed with XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXXin terms of LVNV funding violating my rights under the FCRA in allowing LVNV to inaccurately report this collection account on my credit. LVNV has reported this account as a factoring account with a one month term limit with a balance of {$960.00} ; while also negligently reporting 20 months late payments on a collections account of debt LVNV claims to have purchased. The credit bureaus investigated my disputes and stated LVNV meets the requirements of the fair credit reporting act. I stated in my disputes I did not sign any contract with LVNV debt collection agency and it was a violation of my rights to allow them to inaccurately report on my credit and requested LVNV funding be deleted from my credit report. LVNV Funding refused to validate the debt, provide the contract or bill of sale from the original creditors, and violated my rights under the FCRA by reporting monthly late payments, and all 3 bureaus has allowed these violations to happen, and further damage my credit, illegally. Now XXXX, the LVNV attorney who refused my requests for documentation for debt validation, has filed a lawsuit against me in my county, court case ( XXXX ). XXXX XXXX stated in last letter to me ( forward to my new address by USPS, XXXX XXXX refused to send letters to return address on the letter I sent LVNV ) he would either validate the debt or receive judgment on the debt. XXXX XXXX has never validated the debt, instead he has followed through with his threats of legal action. LVNV funding has violated my rights numerous times with the complicity of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to dispute the following 3 fraudulent accounts listed on my credit report. XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX, I have contacted these creditors for more information to no avail. I have filed an FTC IDENTITY THEFT REPORT because I have never had or open these accounts. The report number is XXXX. I have attached the Identity Theft Report for your review. Please remove these fraudulent accounts from my credit file.

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 2020-11-08 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: CarMax, Inc.
State: GA

Complaint narrative:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XX/XX/2020, {$11000.00}, the actions were taken by myself challenging the accuracy, compliance, and reportability of this listing with LVNV Funding LLC. 
According to the Fair Credit Reporting Act in Section 609, I am exercising my rights. Please provide me with copies of the original sources for the item reported which includes contracts I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: DISCOVER BANK
State: GA

Complaint narrative:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: Westcreek Financial
State: GA

Complaint narrative:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. They keep calling with promotional offers for existing members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Begining XX/XX/2020, someone got 3 cash advances on my bank credit card, {$500.00} each. I did not authorize it. I reported this to the bank begining XX/XX/2020. Then they somehow through the bank, sent two of the advances to my checking account, and then through XXXX, sent {$500.00} to each of two people I do not know, from my checking account. The other {$500.00} was reimbursed to me by the bank. The bank has declined to reimburse me the other 2 advances, plus the fees and interest. I authorized none of this. I was never enrolled in XXXX, and have never done or authorized any cash advances. The bank says this was done online, so perhaps my phone or computer were hacked. I do not know how anyone could do this. A police report has been filed, & a report to the FTC, & the 3 credit bureaus were given fraud alerts. In the meanwhile, I have had to pay the {$1000.00} balance on my credit card plus finance charges & fees, to keep my credit current. I did not owe any of this money. I would appreciate any help with this issue, if you can.

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 2020-11-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
My car was totaled and the insurance company sent a check to pay off the remainder of the lease. Both myself and the claims adjuster verified the payoff balance and my online payment history reflects that the payment was made on XX/XX/20. Hyundai continues to bill after the payoff including an automatic payment of {$250.00} from my account. I turned off the auto payments and requested the return of my payment and that the account be closed but the request was not processed. It is now XXXX and I received a collection call on a Sunday morning. The company was not able to tell me why I was getting a collection call and then hung up on me. I called back and was told I had to call on Monday to get the issue resolved and when asked to speak to a supervisor to understand why they are not recognizing the payoff on my account, I was never put through. A collection call on a Sunday when you can not provide any customer service to resolve billing issues is unfair business practices.

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 2020-11-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
The account in question in discussion is Ford Motor Credit the issue at hand is a late reporting in XX/XX/2020 XX/XX/2020. In XXXX I got very ill with Covid-19 I was unable to make the payment since I was to unwell. Once I was well enough to make the payment I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08 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: NY

Complaint narrative:
this company have ignore my requested since XX/XX/2020 i requested an investigation to inaccurate information that is been report to my credit report. ands i have not received any update or respond i been ignored. 

please see attached all the letters sent to this company and proof of my identity

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 2020-11-08 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: Stenger & Stenger, P.C
State: GA

Complaint narrative:
On XX/XX/2020, the Director of my employer asked to see me. When I went to her office, she handed me two pages that informed me that my wages will be garnished on XX/XX/2020. The Continuing of Garnishment was from Strenger & Strenger regarding a judgment against me for a XX/XX/XXXX XXXX credit card debt in the amount of $XX/XX/XXXX.The address on the summons for me is an old address where I was residing in a private safe home. The day I initially met with the Director, I informed that this amount would cause me great hardship if taken out of one paycheck. I later sent the Director an email regarding Georgia 's law pertaining to income garnishment limits. I was then mailed the entire summons and learned this information was included in the summons. On XX/XX/2020 my Director asked to see me again and stated she drew up a draft of the payments that would be deducted out of each pay period until the debt was paid. I informed her that I am unsure of the validity of the debt and would like to complete a claim form to the XXXX court to obtain a court date. Unfortunately, she informed she would have the deduct a payment of {$320.00} beginning XX/XX/2020 which offers me no time before I can dispute. I have repeatedly attempted to call the number on the claim form for Strenger and Strenger however no one answers the phone even after you hold on forever. I don't understand their tactics. I have received numerous harassing phone calls from the collection agency and because I will not disclose my social security number to me they will not discuss what it is pertaining to. Regardless of the number of times for months and months and several times daily ; I have asked them to stop calling me and to have me removed from their call log. They continue to call. 
How is it they are able to receive a judgment without being served? How can my wages be garnished when I have no proof of the amount or even if this debt is valid? 
Last year another lady living in the building called me and informed me that a man showed up to the door stating he had a Christmas delivery for me ; she told him that I was not there but she would give it to me. When she saw that it was paper, she stated she immediately closed the door and never took any papers. She stated the man had spooked her when he began asking her a lot of questions. I was nervous about this because I believed at the time it was something from my ex trying to locate me. Nonetheless, I was never served. I have tried to contact this law firm with the last time being on XX/XX/2020. Now my wages will be garnished without any time to investigate this debt. Now that I am attempting to contact the number on the summons ; they do not answer. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: HOPE BANCORP, INC.
State: WA

Complaint narrative:
This is the second complaint I have filed against Bank of Hope since my mortgage was transferred to them effective XXXX ( see dispute number XXXX ). Now they are reporting my mortgage twice to XX/XX/XXXX!!!! They are reporting my loan under Bank of Hope with an outstanding principal balance of {$130000.00} and also reporting it under their loan servicing company XXXX XX/XX/XXXX XXXX ( listed as XXXX XX/XX/XXXXon the report ) with an outstanding principal balance of $ XXXX makes it look like I have 2 mortgages with a total outstanding balance of {$260000.00} when in fact I have 1 mortgage with Bank of Hope with an outstanding principal balance of {$130000.00}. It took me several weeks of calling Bank of Hope and filing a complaint with XX/XX/XXXX and CFPB to get my last issue corrected - this is totally unacceptable!!!! This bank needs someone overseeing their business. This has caused me so much undue stress which I do not need right now as my husband has very serious health issues I am also dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Every day for a month I receive a call from Midland Credit Management. I have answered them but they dont seem to have conscious thought about what they are doing, they dont listen. The problem is that I am not in collection by anyone. My credit rating today is XXXX. I have no idea why they keep annoying me with calls that wake me up in the morning and late evening calls. I cant get them to stop. I can not block their number because it keeps changing. There number today is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have tried accessing my credit report and score and I don't have access to neither and its very frustrating because it's basically stopping me from being able to do anything, equifax doesn't allow me to have any access to my credit report whatsoever and hasn't for i cant remember how many years I'm being told I have a XXXX credit score can't apply for credit cards NOTHING I'm just told no credit please help me fix this because the credit companies refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is the second complaint I have filed against XXXX XXXX XXXX since my mortgage was transferred to them effective XXXX ( see dispute number XXXX ). Now they are reporting my mortgage twice to Experian!!!! They are reporting my loan under XXXX XXXX XXXX with an outstanding principal balance of {$130000.00} and also reporting it under their loan servicing company XXXX XX/XX/XXXX XXXX ( listed as XXXXXX/XX/XXXX on the report ) with an outstanding principal balance of $ XXXXThis makes it look like I have 2 mortgages with a total outstanding balance of {$260000.00} when in fact I have 1 mortgage with XXXX XXXX XXXX XXXX an outstanding principal balance of {$130000.00}. It took me several weeks of calling XXXX XXXX XXXX and filing a complaint with Experian and CFPB to get my last issue corrected - this is totally unacceptable!!!! This bank needs someone overseeing their business. This has caused me so much undue stress which I do not need right now as my husband has very serious health issues I am also dealing with.

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 2020-11-08 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: NY

Complaint narrative:
this company have ignore my requested since XX/XX/2020 i requested an investigation to inaccurate information that is been report to my credit report. ands i have not received any update or respond i been ignored. 

SEE ATTACHED LETTERS BEEN SENT AND PROOF OF MY ID

Company response to consumer: Closed with explanation