vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On Sunday morning, XX/XX/XXXX, I received two emails from a service called MoneyLion. The first email notified me of a phone number update on an account that I did not open. The second email notified me of a change to the address on the same account. I went to the service 's website and used my email address to change the account password so I could see what was going on. On login, I found my first name and last initial on the profile page, along with my DOB. I am not able to see whether the SSN matches mine or not. The phone number and address do not belong to me. I also have noticed that there is a credit card associated with the account, ending in 4 digits that do not match any of my credit cards. It appears as tho the scammer who opened this account is using PII from a number of sources for purposes of fraud. In order to protect my own PII, I have not changed the address or the phone number and I took screenshots of the information on my phone. The service made me download their app and log in from my phone to see this information. There are no options in the app to cancel a membership or request that they delete or close an account.

I attempted to contact MoneyLion immediately. The service seems to offer a range of personal loans and something called " XXXX, '' with a corresponding membership fee that I can neither find details on nor cancel. They have no " report fraud '' or other emergency security contact information, and when I called the customer service number, I got a message saying they are closed ( Sundays ). I plan to try and call again tomorrow and I have sent two complaints via email, explicitly asking for the account to be closed. The service 's lack of security protection or fraud support as well as the questionable design of the systems are deeply frustrating and I encourage you to investigate this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX ( via servicing arm XXXX  ) transferred servicing of my loan to PHH Mortgage, formerly known as Ocwen.

I received a notice of servicing transfer from XXXX. I received no such notice from PHH. The effective date of servicing transfer is today, XX/XX/XXXX. I called PHH on XX/XX/XXXX to make sure that they were in receipt of my loan, and that my mortgage clause would be changed on my homeowners insurance binder. The agent on the phone went to " check with their insurance department '' and promptly hung up the phone. I decided that this was no big deal, I would wait until XXXX to make sure things went smoothly with the transfer. I left a message with my insurer, XXXX, asking whether they were aware of a servicing transfer. I never received a call back.

I attempted to call PHH again on Friday, XX/XX/XXXX during their stated business hours. However, when I went through the automated phone system, the line disconnected. Nobody answered my call no matter how many times I tried to call them. 

It is now XXXX. I have not received the notice of servicing transfer from PHH, only from XXXX. When I attempt to create an account to make a payment with PHH, I am unable to do so, and the website/app are telling me they are " unable to find your loan. '' I am entitled to pay PHH beginning today, but I have no way to view my mortgage account. I can not call them on a weekend, since they have closed their call centers. The PHH automated phone system does not give me any information about any loan they are holding, despite the fact that they are my servicer beginning today.

Additionally, I have learned that I will need to pay a fee to make ACH payments. I view this as an unreasonable fee and an undisclosed interest payment. This is unacceptable. The CFPB needs to do something about this immediately. PHH seems more interested in letting payments go into default than letting us pay down our debt.

I am missing the transfer of servicing notice from PHH, which is my main concern. My secondary concern is that there is no way to pay them without sending a check for an account that, according to their system, is not active on the effective date of servicing transfer. If I were to send a check, how would they post it to my account if they have no records of being the servicer? 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On more than one occasion transunion never mailed my credit report on XXXX and XX/XX/2021, in which the law states a free copy of all three ( 3 ), credit reports every one to two weeks do to the on going outbreak, I believe that someone name on my credit report maybe showing up, or something or someone is plugged into my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On more than one occasion transunion never mailed my credit report on XXXX and XX/XX/2021, in which the law states a free copy of all three ( 3 ), credit reports every one to two weeks do to the on going outbreak, I believe that someone name on my credit report maybe showing up, or something or someone is plugged into my credit information.

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 2021-08-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Attempted purchase of a freezer through Sears on XX/XX/XXXX. Item was not delivered as promised. After multiple missed delivery dates by Sears in which they continued to reschedule new, later dates, we finally cancelled the sale in XX/XX/XXXX, nearly 6 months later because of the non-performance on their part. We were promised a refund within 3 days by the customer service representative, which did not happen. After allowing 5 billing statements without a refund, we sent a letter requesting the refund. The letter was sent XX/XX/XXXX and we have received no response from Sears. Enclosed are the statements and the letter. As you will note, the amount that should be refunded is : {$1300.00} per Sears, although the amount charged was {$1300.00}. Sears states that they are keeping a dollar for undisclosed reasons, which we take issue with, since they have had our funds, interest free, for nearly a year. Please note that the refund should be sent to our new address : XXXX XXXX XXXX XXXX XXXX, XXXX, IN 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 2021-08-01 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: LEXISNEXIS
State: TX

Complaint narrative:
I paid my homeowners insurance premium In XXXX to the XXXX XXXX XXXX XXXX and with my policy I was informed that I did not get the best rate because of information given to them by LexisNexis. I was also told that I could get a copy of that report. 

I wrote LexisNexis immediately for the report but only got a letter asking for what would be an identity thieves dream. They wanted a ) a copy of a bank statement or a utility bill with my current address ; b ) a copy of my drivers license AND c ) a copy of my Social Security card. Thinking that they were a reputable company I submitted the items requested. But no report was given to me. I may have assumed wrong about their reliability. 

I would like you to investigate this complaint and see if you can get the company to comply with what is legally required of them. 

The address I have for LexisNexis is : XXXX XXXX XXXX, XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: IL

Complaint narrative:
Both Transunion and XXXX  have accounts that should not be shown as delinquent. 
Both credit bureaus also take too long or don't remove accounts that should not be on report. 
My family and I have contacted both bureaus and they are clearly unreponsive and rude.

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 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ... 
.did not do what they stated or claim " XXXX XXXX XXXX XXXX gives you access to

a team of Certified Specialists that will guide you through every step in the restoration process if you become a victim of identity theft. What kinds of things can we help you with? If you suspect that your information has been compromised please contact us at your earliest convenience. Our identity care specialists will determine if an identity theft event has occurred and guide you through any necessary restoration activities like : Contacting the entity that issued the account or credentials that have been compromised ( like your bank, credit card issuer, the Social Security Office, etc. ) Notifying law enforcement Reviewing your credit report Filing the appropriate fraud alerts. Problem still exists, received lies no action.

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 2021-08-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Both XXXX  and Equifax have accounts that should not be shown as delinquent. 
Both credit bureaus also take too long or don't remove accounts that should not be on report. 
My family and I have contacted both bureaus and they are clearly unreponsive and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I became aware of a ding on my credit report while filling out paperwork to refi my home. XXXX XXXX turned me over to Sequium Collection Agency for {$1100.00} in unpaid charges. Account under same name, XXXX XXXX but living in XXXX XXXX, NV. I have never lived in XXXX XXXX but have lived at XXXX XXXX XXXX, XXXX XXXX, CA for 30+ years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, depo

sited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: NY

Complaint narrative:
So recently I had visited a Retail Store as I was shopping & attempted to purchase I was ask by store associate if I was interested in applying for their store retail card ( not credit card visa/master card ) if approve receive additional discount. I also asked if this would be soft or hard card? It was explained that Id recently applied & approved for three card lines ( drops points/hard credit checks ) after accepting credit. Also told told about previous creditor that misrepresent & given inaccurate information about their inquiring process for their store card which was disputed & later remove from credit report. So sale associate reassured me that this wouldnt be hard, but a soft credit to determine a line credit for their store card ( aka XXXX XXXX issuer XXXX XXXX  ). Also stated that I already had XXXX  ( which as used for purchase on XX/XX/XXXX ) card. But I was convince & mislead to believe otherwise ; that would be a soft credit instead of hard credit. So reluctantly applied for & was told that I will receive a letter via mail with a decision in response to inquiry. So to my dismay & surprise that it was in fact a hard inquiry happen apply which lead suspect she do retail store card, but store visa/master credit card which uses consider a hard inquiry. I already reached to XXXX XXXX  as well as all three credit bureaus about this incident that took place with to inquiring that was misinformed to me at the time. I was then told by XXXX issuer for XXXX XXXX card that they will process a compliant/investigation on my behalf as well as submitted it to all three bureaus to look into to get it resolved by removing off my credit reports. Since then after contact all three credit bureaus in order to follow up with about the incident regarding XXXX XXXX I wasnt reassured or confident that compliant would be taken seriously. Im even sure if there is a report on filed on my behalf about the misinformation & process to have inquiry removed. I think this incident should be further investigated & resolved in timely matter.

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 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was in the market for a new car ( purchased on XX/XX/21 ). In going through financing options I worked with the dealer 's lender and I put in a request with Bank of America. I instantly was approved with BoA and was told I would be contacted within the next business day to discuss the loan. Given the time sensitive nature of me buying this car ( I wanted this model and wanted to purchase ASAP, so it was not sold to someone else ), I called BoA on the morning of the XXXX to talk to a lender. After a lengthy hold I finally was able to talk to someone. I asked them about next steps and they stated I needed a dealership letter to send to the dealership. They said I was approved and it would be in my BoA portal. We confirmed to do a higher amount just in case the car was more, but it was agreed the total amount was just for my loan of the car, nothing else. I sent it over to the dealership and drove an hour and a half down to purchase the car. After waiting almost two hours to purchase the car, I finally went into the financial office at the dealership to go over the final details/sign the paperwork. In talking about my loan the agreed amount was correct, but he informed me that BoA added an additional fee that I would have to pay back to them. No where in my approval email did it say I would owe BoA anything additional besides the APR % back, nor when I talked to the loan expert they said I would owe BoA anything. This is 100 % predatory. I was never notified that I would owe BoA additional monies besides the interest rate. Given I took off work, drove an hour and a half to the dealership and I sold my other car that morning, I was in a tough spot to back out.

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 2021-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope all is well.. 

This shouldnt of ever been on my credit to begin with XXXX and XXXX from XXXX XXXX for {$490.00}. Its been XXXX  out and closed because it meets the FCRA requirements. I need it completely removed from all three credit bureaus. Thank you for your time. Have a wonderful day and please be safe.

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 2021-08-01 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: NC

Complaint narrative:
I hope all is well.. 

This shouldnt of ever been on my credit to begin with XXXX XXXX  XXXX from XXXX XXXX for {$490.00}. Its been XXXX  out and closed because it meets the FCRA requirements. I need it completely removed from all three credit bureaus. Thank you for your time. Have a wonderful day and please be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is an inquiry on my credit report from XXXX. on XX/XX/2021. I did not apply for any credit and. would like this removed. I have been a victim of stalking and doxxing. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an inquiry on my credit report from XXXX. on XX/XX/2021. I did not apply for any credit and. would like this removed. I have been a victim of XXXX  and XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: Diaz & Associates, Inc.
State: TX

Complaint narrative:
DIAZ & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX. Received this random letter in the mail stating I owe {$5500.00}. XXXX XXXX XXXX XXXX  was sold to another corporation in XXXX, so that company does not exist as named on the letter. I am cleaning up my credit report which had years of false and inaccurate information in it, as far back as XXXX. It's been a three year project. I see on XXXX  that this business has pulled this scam on many many people. Once they get your personal information they constantly call your cell phone, constantly contact employer and threaten to sue you. I am on a fixed income. I am not going to respond to this company. I am certainly not giving them my telephone number, or any other questions they expect answers to. I have attached this form letter. 
Lately, I am getting junk emails and postal solicitations from random companies offering me credit related garbage. So either the credit bureau gave out my info or XXXX gave out my info. Both need to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: WA

Complaint narrative:
Transunion is reporting a loan that was paid off with XXXX XXXX as a foreclosure. I have disputed the remark in my credit report 3 times both with Transunion and with the lender and they continue to fault each other for the mistake. In the three occasions, Transunion has removed the foreclosure remark only to reappear few days later. I have revisited with the lender each time and they continue to say that they are reporting the account correctly. Looks like I am trap in a vicious circle where the end result is that I get stuck with a " foreclosure remark '' that never occurred. On the opposite, the loan is paid off and I already received the deed of the property free of any liens.

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