vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am trying to get my auto loan reported to the credit agencies so it appears on my credit file but am being told that the bureau won't accept the data because the auto dealership does not have enough records to report. What are people supposed to do who live in small communities if the credit bureaus only service large entities? This affects my ability to build a credit profile which ultimately affects my ability to access credit. It's discriminatory and should not be allowed.

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 2021-04-05 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: WA

Complaint narrative:
I am trying to get my auto loan reported to the credit agencies so it appears on my credit file but am being told that the bureau won't accept the data because the auto dealership does not have enough records to report. What are people supposed to do who live in small communities if the credit bureaus only service large entities? This affects my ability to build a credit profile which ultimately affects my ability to access credit. It's discriminatory and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am trying to get my auto loan reported to the credit agencies so it appears on my credit file but am being told that the bureau won't accept the data because the auto dealership does not have enough records to report. What are people supposed to do who live in small communities if the credit bureaus only service large entities? This affects my ability to build a credit profile which ultimately affects my ability to access credit. It's discriminatory and should not be allowed.

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 2021-04-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian ( XXXX. XXXX  XXXX XXXX, TX XXXX ) is reporting information on my credit report without my consent or acknowledgment this and a few other infromation need to be removed from XXXX XXXX credit report XXXX XXXX  {$2500.00} Closed 2 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Rental Agreement Balance on XX/XX/XXXX Loan Amount {$2500.00} {$3700.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$3700.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 60 90 120 120 CO CO - - - - XXXX - - On Time CO Charge off XXXX Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 30 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IL

Complaint narrative:
Someone who lives in XXXX took out an auto loan using my ss number. i live in XXXX, Il and have no knowledge of who this person is or how she got my ss number. Past Due amount is {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: DE

Complaint narrative:
On XX/XX/2021 at XXXX XXXX I received the following email : Hello, We have closed your XXXX account per the Demand Deposit Account Agreement. This account is not eligible to be reopened. 
We will attempt to return the funds in your account to the originator. Please contact the originator if you require access to these funds, as MoneyLion Customer Care is unable to redirect these funds for you. If the funds cant be returned to the originator, they will be sent to your state of residence upon reaching dormancy per your states laws, which varies depending on the state and can take up to 3-5 years.

Respectfully, MoneyLion Support XXXX demand deposit account provided by, and MoneyLion Debit Mastercard issued by, XXXX, XXXX XXXX, Member FDIC. XXXX is a service mark of MoneyLion, which offers the XXXX Account among its suite of financial products and services. Mastercard is a registered trademark, and the circle 's design is a trademark of Mastercard International. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. 


I called customer service and was told that there was no update on my account and that no information could be given regarding how or when I will receive back the {$1800.00} that was in my account at the time of closing. I was not informed prior to this that my account would be closed, nor was I given the opportunity to withdraw money from my account prior to closing. I was also given no reason why the account was closed and no means to retrieving my money from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
***PLEASE NOTE MY CAPS BUTTON IS STUCK ON FOR SOME CRAZY REASON AND I AM NOT YELLING OR TRYING TO BE AGGRESSIVE. *** ON OR AROUND XX/XX/XXXX I CONTACTED MIDLAND CREDIT MANAGEMENT ABOUT TWO ACCOUNTS THEIR OFFICE WAS CURRENTLY REPORTING ON MY CREDIT REPORTS. I WROTE ASKING FOR VALIDATION PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE FAIR CREDIT REPORTING ACT, ALONG WITH MY LOCAL LAWS. ALL LAWS BASICALLY STATE THE SAME THING, UPON REQUESTING AS A COUNSUMER- I AM ENTITLED TO EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) CONTRACTUAL OBLIGATION TO PAY THEM ANYTHING. PLUS, I NEEDED EVIDENCE THE DEBT/CHARGES WERE MINE. I ALSO REMINDED THEM I HAD MADE ALL 3 BUREAUS AWARE OF FRAUD ON BOTH MY SS # AND CURRENT ACCOUNTS FROM A DATA BREACH. I ALSO INQUIRED ABOUT THE PROCESS THEY USED TO VERIFY THE DEBT. ADDITIONALLY, I ASKED THEY PROVIDE ME THE INFORMATION OF THE PERSON ( S ) THAT VERIFIED THE ALLEGED DEBT SO I MAY INVESTIGATE FURTHER SHOULD I NEED TO. I REQUESTED IF THEY COULD NOT PROVIDE THE INFORMATION REQUESTED THAT THEY REMOVE THE ITEM FROM MY CREDIT REPORT ( S ) AND STOP COLLECTIONS. I MAILED ( CERTIFIED MAIL ) MIDLAND ON OR AROUND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. IN RESPONSE TO MY LETTERS MIDLAND RESPONDED " AFTER INVESTIGATION YOUR ACCOUNT WAS VERIFIED YOUR DEBT '' BUT I NEVER RECIEVED ANY OF THE VALIDATION REQUESTED AND REQUIRED. FURTHERMORE, ON ONE OF THE ACCOUNTS ( XXXX ) THEY DID NOT RESPOND WITHIN THE REQUIRED 30 DAYS, NOR DID THEY REPORT THE ACCOUNT AS DISPUTED WITHIN THE 30 DAYS, THAT ALONE MAKES THEM NON-COMPLIANT AND THE COLLECTION SHOLD BE REMOVED. THE LAST RESPONSE MIDLAND SENT ME A LETTER DATED XXXX STATING " WE ARE UN CERTAIN OF WHAT YOU ARE SPECIFICALLY DISPUTING '' AND REQUESTING " WRITTEN EXPLINATION AND DOCUMENTATION DEMONSTRATING ANY ERRORS IN OUR ACCOUNT INFORMATION ''. IT IS NOT MY JOB TO DO THIER WORK. I HAVE BEEN VERY CLEAR WHAT I AM DISPUTING AND REQUESTING, I AM DISPUTING THE ENTIRE ACCOUNT AND REQUESTING VIABLE EVIDENCE THAT THEY MUST HAVE ON RECORD THAT THE DEBT IS INDEED MINE AND MY SIGNATURE STATING I HAVE A CONTRACTUAL OBLIGATION TO PAY THEM. AS YOU WILL SEE IN MY ATTACHEMENTS, THEY HAVE SENT THE SAME LETTER EACH TIME IN RESPONSE, THIS IS WHAT I BELIEVE IS STALL TACTIC AND COMPLETE VIOLATION OF THE LAW. I DECIDED TO FILE A COMPLAINT AS THE LAST DITCH EFFORT TO GET YOUR HELP BEFORE FILING AT MY LOCAL COURTHOUSE AND ASKING A JUDGE TO DECIDE. THANK YOU FOR YOUR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am in the process of refinancing this loan. The loan will be refinanced with XXXX bank. XXXX bank has been requesting a loan payoff ( through XX/XX/2021 XXXX since XX/XX/XXXX. They have now requested it 3 times. I have requested it, as the borrower, 2 times. There are notes all over my account showing this. This is the LAST remaining stipulation before I can refinance. WSFS dragging their feet is costing me money as their interest rate is higher. They are doing this to deliberately keep the loan on file longer.

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 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Recieved a phone call around XX/XX/21 from XXXX XXXX asking if I had applied for a card, which i said no. They said they would disregard the application they had received and put a fraudulent notice on it. 

XX/XX/21 Received a debit card and a XXXX  card from USAA. Called and spoke to them and told them I never applied for these cards. They said a fraudulent application was on file and advised me to notify credit bureaus. I put a fraud notice in with XXXX. 

I am notifying you now, as I am now afraid someone has my personal information and is trying to open accounts. My husband and I will be purchasing a home soon around XXXX of this year with XXXX  XXXX  and I do not want any trouble or damage done to our credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've reported the inaccuracies of a XXXX account reporting on my credit report for months. However, Experian continues reporting the information. I have not been provided with any accurate proof of ownership from Experian or XXXX about this account. Experian sends letters with claims of contacting the creditor and having the account validated by them however I have not been sent any proof of that. XXXX continues assertion that the account is valid and have provided no proof with my signature for these claims. I continue to assert that this is a fraudulent account.

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 2021-04-05 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: CA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Alleged Account number XXXX I do not recognize credit acceptance as any creditor of mines!!! When I noticed this alleged repossession claim I was the guarantor of an auto loan on my credit report I immediately sent them a letter stating there was a high chance this account was fraudulent and i need to see all the contracts, promissory notes, Notice of sale letters and most importantly the calculation of surplus and deficiency letter. They received my letter XX/XX/2021 and are yet to mail me any response. 

I informed that XXXX XXXX XXXX XXXX XXXX states that a secured creditor must send this notice within 14 days of a request by the debtor OR a record waiving the secured party 's right to a deficiency. 

I am yet to receive a response from this alleged creditor this alleged secured party 's right to this deficiency debt has been waived. This account is inaccurate and needs to be deleted from 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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
This might be a duplicate, as I already have a complaint opened for XXXX  ( XXXX ), but it appears to be Lakeview Loan Servicing that is the one who is causing the problem. I have been corresponding via email with a representative at XXXX who keeps saying she has asked someone at Lakeview to call me, but they either just use a robocall to call me or have called when I was unavailable and they refuse to give me a time that they will call. The rep has also asked them to email me but they have yet to do so after nearly a week. Below is the original complaint I submitted on XX/XX/XXXX. 

Around XX/XX/XXXX, I was placed on a forbearance. I have always had issues reaching out to the mortgage company, but recently I was provided options for what to do after the forbearance and I chose a loan modification. I asked for the terms of the modification and was told they could not tell me them, that I would just have to accept the paperwork when it arrived. I provided a mailing address in Pennsylvania, but the documents were mailed to Texas. They only gave me 7 days to sign and mail back the documents, but due to their error, I was not able to mail the documents in that time frame, especially since I had questions about the documents and was once again unable to reach a company representative to ask how to resolve those issues. Some of the issues pertained to what the notary had to do, as the documents mention a California notary and I am, as I mentioned, in Pennsylvania. I tried to contact the mortgage company multiple times in multiple ways by phone, through their website, through XXXX and still did not receive a callback or any assistance. They even gave me a robocall saying I needed to call them, but when I tried to call, I could not get through and the system to enter my number for a callback went into a loop, asking for my loan number, then my phone number, then my loan number again. When I tried again to call today, after I went to the notary just in case I could mail the documents, I again had the same experience with phoning. My experience with them since day one has been very disappointing. In addition, when I call, they say there is a new phone number to reach them, effective XXXX XXXX, yet their website and all of the documents they have mailed me still have the older number, which still appears to be working. There is much more to this experience, but this is the most recent and egregious.

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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NM

Complaint narrative:
I used to pay my mortgage via online. Last month ( early XX/XX/2021 ) I was unable to log in on same computer I've always used. I called customer service number and was told by an automated message to try later. I paid by check for XXXX. This month ( XX/XX/2021 ) I tried again to contact customer service and was unable to get to a live person. I was told ( automated responses ) to log on to website. That was the problem!. I reset my password and tried again. Still unable to log in. I tried again to call customer service and again was unable to talk with a representative. All options were automated. How am I supposed to get with customer service if a live person is not an option!? 
The company is XXXX  or XXXX XXXX XXXX  XXXX with LoanCare LLC servicing the loan for them. I identified the company as XXXX XXXX but the culprit may be LoanCare , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX XXXXi, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX XXXX, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/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 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and on Saturday, XX/XX/2021 - I woke up to several notifications that my CashApp account had authorized multiple transactions to various people that I did NOT know and did NOT authorize. I promptly called my bank to inquire about what to do and to cancel my debit card immediately. 

The scammers attempted to send upwards of {$1200.00} but only {$300.00} went though because I only had enough funds in my account for that amount to go through. I realize that it looks like I authorized the transaction, but I did NOT. Someone hacked into MY CashApp account and sent themselves money. I emailed Cash App Support on XX/XX/2021 and received a response from " XXXX '' on XX/XX/2021. I filed a complaint to dispute the charges and gave them the names of the three individuals who were sent money from " me '' because clearly they were part of a larger scam and needed to be banned or have their account suspended. The next day, XX/XX/2021, someone from CashApp named XXXX informed me that there was nothing that they could do to get my money back. I have since closed my CashApp account and deleted the app. I changed EVERY password to prevent something like this from happening again. I am in the process of reporting CashApp to the XXXX XXXX XXXX.

I am sad and frustrated that CashApp allowed this security breach to happen and failed to help me whatsoever. I am a graduate student in a clinical psychology program and am already under a significant amount of financial stress. I can not emphasize enough how I DID NOT AUTHORIZE THE PAYMENTS. I was asleep and woke up to my worst nightmare. Please let me know what you need from me so we can resolve this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation