vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: IN

Complaint narrative:
World financial Corp said that I am not in their system so I ask that they remove this debit from all XXXX credit bureaus immediately. No record of my name so please remove that item

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: MoneyLion Inc.
State: PA

Complaint narrative:
MoneyLion is STILL reporting late payments to XXXX after multiple confirmations from them that they updated my reports ( XX/XX/XXXX - removed from XXXX, XX/XX/XXXX - removed from XXXX ). They are reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, and a 90 day late for XX/XX/XXXX to XXXX. Previously they had reported it as 30 days late XX/XX/XXXX, 60 days late XX/XX/XXXX and 90 days late XX/XX/XXXX. They then proceeded to have the credit bureau remove the account from my file, to re-add the account with the late payments having different dates. 

MoneyLion 's first email from the MoneyLion Escalations Department confirming my credit reports would be updated in 7-10 days to reflect the loan as paid, current, with NO NEGATIVE MARKS was on XX/XX/XXXX ( see attached email ). Then, I received another confirmation that the late payments would be removed, from MoneyLion, on XX/XX/XXXX. The second confirmation came after I filed a complaint with the CFPB on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX my three credit reports were updated to reflect the current on time paid status, with NO negative marks and paid 100 % on time. However a couple of days after I provided " feedback '' requested by the CFPB via the CFPB portal stating that MoneyLion answered my questions, did what they said they were going to do, etc., I received an alert that my MoneyLion account was again reporting 30/60/90 day lates to all three bureaus. Luckily I disputed with XXXX, and they removed it when I provided all proof that MoneyLion stated they would remove it due to it being INACCURATE. XXXX  and XXXX  would not remove the late payments. I reached out to MoneyLion again on XX/XX/XXXX regarding the account inaccurately reporting late payments and how it has reappeared on my XXXX   and XXXX  reports. Shortly after, I noticed the late payments were removed from my XXXX  report, but not my XXXX. MoneyLion responded on XX/XX/XXXX stating that the account was reporting accurately and ONCE again won't do anything about their inaccurate reporting. Not to mention, it is IMPOSSIBLE to get ahold of someone. 

I have attached all proof of admission that MoneyLion is inaccurately reporting late payments, and am requesting that they update XXXX  to reflect 100 % on time payments with NO NEGATIVE MARKS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I wanted to link my once accounts to the XXXX XXXX XXXX XXXX XXXX APP, I was able to connect my XXXX XXXX BUT NOT MY PNC BANK, PLEASE INFORM PNC TO ALLOW THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: IN

Complaint narrative:
XX/XX/XXXX I recovered a debit in the amount for XXXX .i ask that this be removed from all XXXX credit bureaus.i never heard from this company I dont know who this come is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX, XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-08-02 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: GA

Complaint narrative:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX, XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-08-02 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: NC

Complaint narrative:
I believe I have been targeted by identity theft and Equifax and XXXX  both are being deliberately uncooperative. Thankfully XXXX  still follows standard procedures. I have reported numerous inquiries as fraudulent to Equifax, and also a medical issue showing a collections on my report. I have called the medical company and there is a XXXX balance. I owe no money to this institution. I believe years ago there was something I disputed with this institution because they had tried to send me a bill they couldn't even make clear to me what it was for. It made no sense to me and I had believed it was some kind of error on their end. I never received the bill until the collections agent got in touch with me. It was only {$50.00} so I paid the collections because I was receiving harsh threats from them and the amount had to be paid " or else they would put it on my credit report ''. It seems they decided to do it anyway after payment. Equifax responded to my first letter, ignoring completely this vague medical issue that doesn't even have a balance, and refused to investigate the inquiries. They responded the day they received my letter a month ago, " stating all on my report was factual. '' My 2nd letter was responded to more slowly and they replied that " there are no files on my report with the credentials I provided ''. They address their response to " XXXX XXXX '' instead of " XXXX '' as they had done the first time. I provided proof of my identity and again explained the issue with the fraudulent inquiries. This letter and the rest have been completely ignored. When I call them they say " we do not investigate inquiries. It is not our responsibility. You have to file a police report for such things. '' Naturally, I attempted to file a police report and the police confirmed it is their responsibility to handle such issues. I know for a fact my inquiries were not investigated as there are inquiries on my report from companies that no longer exist ( XXXX XXXX for example ). Had they done their investigation they would have discovered that the creditors can not provide proof of any document that I authorized a credit pull. 
XXXX has simply ignored all letters that I have sent to them over the past 5 weeks or so and they have no intention of doing so. They also claim it is not their responsibility to investigate identity theft or fraudulent inquiries, and that I have to deal with it through the police. Both of these companies have had ample time to respond and refuse to answer, and by law, are required to remove these harmful and inaccurate records from my report. I am being personally harmed by this as I need to apply for a loan and I can't, because of these excessive inquiries. I will soon be forced to take legal action if they continue to violate my rights under the fair reporting act. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: NY

Complaint narrative:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stokes & Wolf, P.C.
State: CO

Complaint narrative:
On XX/XX/2020, the process server hired by collection agency Stokes & Wolf, PC went to my previous home address where they encountered my former landlord. The process server stated he worked for the feds and handed my former landlord a stack of papers regarding a collection account in my name. My landlord told the process server I no  longer reside at that location. The process server laughed and walked away leaving the papers with my former landlord. I have not lived at said location in over a year which can be proven by my current drivers license and vehicle registration information. I recently disputed this charge on my credit. I never signed a lease nor moved into unit in question. I believe this is an attempt to bully me into paying a debt not legally mine. 

Stokes & Wolf, PC has violated 15 U.S. Code 1692c. As such, I will pursuing further legal action. 

15 U.S. Code 1692c Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: NY

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,  XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I was contacted by a debt collection agency after attempting to contact XXXX XXXX myself about the oversight on amount owed at which they faiked to reply. Emaik receilts from our i itial move in was also sent to the company. In late XX/XX/2019, was sent a debt collection letter by a company at which I responded with a cease to desit lettwr and verificication which they did provide. On the details it clearly states that the flooring was ( poor ) upon move in but they have charges of over XXXX. We would like this removed for failure to collect the correct amount.

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 2020-08-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I believe someone or some people may have and or are using my social security number. I know this because times I would use my sss I was told my identity did match with what they had on screen this was at XXXX on several occasions. Also the last time I was able to review my credit it was bad which is wrong because I never used credit at all. So I would appreciate it I could get some help on dealing with this I know it has been long over do but I need to deal with this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I acquired a Menards Big Card in the fall of 2019. The card advertised a 2 % savings each quarter. At least three quarters have passed and I have received no form of 2 % rebate, check, nor savings. I contacted Capital One, who issues the card, three times and they acknowledged the rebates have not gone out. I have asked them when I should expect to see them and each time they say watch the mail it should show up anyday. Months have gone by without any form of discount. Since I have not received any form of payment I would like to close the card, but before doing so I would like to receive what I have earned before doing so. All payments have been on time and paid via autopay. 

I am confident they have my correct contact information as I get a monthly email notification for my bill and a monthly mailed statement in my mailbox. 

Since I ultimately signed up for the card via a Menards representative and its an in-house card it would be nice if Menards would take ownership. I have been bounced between Menards and Capital One and it doesn't seem reasonable that the consumer should have to sort out the relationship they established with a promise of savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
They dont have the right information or cant recognize, I answered questions correctly and want me to go into a store to add my bank card to XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Activehours
State: NC

Complaint narrative:
You lock this account from bank I dont understand why

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Dont link my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
After I paid all i owed on the credit card ( American Express blue cash card ) they charged me $ XXXX in interest on a XXXX balance card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: FL

Complaint narrative:
My complaint is related to the general, vague and subjective verbiage of this wording in the promissory note. 'Any origination fee amount in excess of 5 % is refundable on a prorated basis over the term of the loan when and if the loan is paid in full prior to its maturity date. ' I paid a 6 % origination fee and have paid the loan off almost 50 months early. I have called several times as well as sent several email communications to inquire about how the origination fee refund is calculated. I read the promissory note several times as well as looked on their website for specifics into how the origination fee refund is calculated. The verbiage is too vague, general and subjective. No one I have talked to can tell me how they calculate the origination refund. It is rather disappointing that representatives would not know how to explain what should be an easy calculation when it is referenced in the promissory note. I just want a clear understanding of how the refund amount is determined. Is it the difference between 5 % and 6 % prorated or is it the full 6 % prorated and what is the prorated formula?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Unable to connect my account to accorns

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
In XXXX  and XX/XX/2020 I was late on payments on my Santandar loan due to covid and my decrease in hours. This showed a negative report on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: MO

Complaint narrative:
In XXXX and XX/XX/2020 I was late on payments on my XXXX loan due to covid and my decrease in hours. This showed a negative report on my credit report

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 2020-08-02 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: MO

Complaint narrative:
In XXXX  and XX/XX/2020 I was late on payments on my XXXX loan due to covid and my decrease in hours. This showed a negative report on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo did not disburse a Bill Pay as promised by XX/XX/2020. Because of this, my account has been debited but the organization that was supposed to be paid has not yet gotten my funds. The organization has checked the mail both on XXXX XXXX and 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 2020-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
The services were performed at XXXX XXXX hospital that was in our plan. I called To have them code it correct for insurance company to cover. They did not change it therefore. It did not cover it due to their way of billing it out. All other services changed the way the bill was sent and it covered it. Services was performed @ XXXX  XXXX  which was in our Ppo ... but they show it as XXXX XXXX which is not in our ppo ... tried to get them to correct and they would not. Which resulted in them not getting paid by insurance. 
The reason insurance did not pay is because they show it performed @ XXXX XXXX & not XXXX XXXX. The other doctors that saw him changed the billing to reference they at XXXX XXXX  and the insurance paid.

Company response to consumer: Closed with explanation