vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I had an account with Credit Acceptance Corp. in XXXX Michigan for a car loan. I fall behind with the payments and they repossessed the car in XX/XX/XXXX. In XX/XX/XXXX i contact the law firm that they use to sue me and offered to pay a reduced amount of {$1000.00} dollars to settle the case. The lawyer said that they have to contact their client to see if they will accept that amount. Couple days later i contacted the law firm and they told me that the client said they will accept no less than {$1400.00} dollars to settle the account so i agreed and paid that amount the same day anyway i received information in the mail from the law firm and the court saying that the account is paid off and settle and the case against me was dismissed but Credit Acceptance Corp. havent report to the credit agencies that the account is settled. I contacted them in XX/XX/XXXX and they told me they were waiting for information from the court so i told them i received mine in XX/XX/XXXX them the lady said oh they have received the documents and they would update the information with the credit agencies no later than the XX/XX/XXXX and until now they havent.

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 2019-05-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
My complaint is against XXXX XXXXe XXXX. The company has Not forwarded a disbursement request of {$43000.00} made by my mother from her HECM Home Equity Account before she died. 

My mother wrote to XXXX XXXX  XXXX ( on the fund release form ) asking for {$43000.00} that was in her Reverse Mortgage equity account to be transferred to her bank account on file with them ( I have a copy of this correspondence ). 

My Mother had a Reverse Mortgage ( HECM ) with XXXX XXXX XXXX XXXX   XXXX. In autumn 2017, XXXX XXXX XXXX bought her loan from XXXX XXXX. 

Writing in - on the fund request form - is her usual way to request disbursement of monies from her reverse mortgage Home Equity account. 

My mother made this monetary request {$43000.00} as part of her 'putting her affairs in order ', whilst she was in hospice-care when the doctors told us she had weeks to live. 

After my mother 's death ( + probate/when I received access to my mother 's accounts ) I contacted XXXX XXXX XXXX, to query when the monies would be disbursed to her bank account. The money never arrived. 

I was told by a XXXX XXXX 'phone agent ' that they have a 'different policy ' to disburse monies from a XXXX XXXX XXXX Equity account. " Different ''??? 

I have asked XXXX XXXX XXXX rep XXXX XXXX ( via email ) - several times over several months for the name of the person at their organisation who can assist me / discuss this disbursement issue. 
I have had No response, from a manager/director at XXXX XXXX  XXXX pertaining to this matter. 

I am asking that XXXX XXXX XXXX respects my mother 's disbursement request, and send us the {$43000.00} that is in her Home Equity Account. 

In conclusion, 1. When a company takes over a client from another company - if they have a policy shift, it's mandatory to advise the client of this change. 
XXXX XXXX XXXX did not tell us anything - They are just holding her/our money. 

2. When dealing with the elderly, putting information on paper ; getting her to sign a document outlining how she gets access to the money in her Home Equity account is important ( if they have a policy change ). This would allow her to act accordingly. 

Not doing so, takes away her Right to get access to her home equity funds {$43000.00}. 
This is Unjust. 

I am asking that XXXX XXXX XXXX respects my mother 's disbursement request, and send us the {$43000.00} that is in her Home Equity Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Simply can not get Experian to correct false names, addresses and fraudulent accounts attached to my name. Can not reach a human operator and can not access website dispute due to them allowing a fraudulent person to open an account with them in my name. 

How is it that a credit bureau can be so inept!

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 2019-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Moneylion has sent me to collection and wrecked my credit for a debt I never had and know nothing about. I have never had ANY agreements with them, no communication with this company. I have checked all my bank accounts and all my email. No email, no snail mail. No payments made, No deposits from them. No downloads, no application, no membership agreement, NOTHING! I can not seem to get a call back from them. I have left 3 messages. The phone number is a fax. XXXX denied my dispute and say they verified it was my account but could not tell me how they verified it. I have had no dealings with this company. They have 105 complaints on XXXX. GET THIS OFF MY CREDIT REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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:
The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX XXXX XXXX XXXX  {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX XXXX {$5000.00} Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 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: Midwest Recovery Systems
State: WA

Complaint narrative:
I got an alert from XXXX XXXX  that a collection report was added to my credit report. I do not recognize the debt, I was never contacted about the debt or furnished proof that it is mine. There is no information about when this debt was incurred and I have not seen any notification as to when it occurred. There is business name listed as XXXX XXXX of Washington but I know nothing about this debt and have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: WA

Complaint narrative:
I got an alert from XXXX XXXX that a collection report was added to my credit report. I do not recognize the debt, I was never contacted about the debt or furnished proof that it is mine. There is no information about when this debt was incurred and I have not seen any notification as to when it occurred. There is business name listed as XXXX XXXX XXXX XXXX but I know nothing about this debt and have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: FL

Complaint narrative:
My name XXXX XXXX, I've been XXXX from the US Military since XX/XX/XXXX. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX  from the Military in XX/XX/XXXX, I have not lived in no other state. I built my home here and have always live here in south Florida after I XXXX  in XX/XX/XXXX. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: ERC
State: CA

Complaint narrative:
This company keeps trying to pin this debt on me! I keep disputing this debt every 3 months!! I call, they investigate and it gets removed from my credit report after they determine this is not my debt and then it comes right back on my credit report. Please make this stop!! I do not owe this company anything!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Simply can not get XXXX to correct false names, addresses and fraudulent accounts attached to my name. Can not reach a human operator and can not access website dispute due to them allowing a fraudulent person to open an account with them in my name. 

How is it that a credit bureau can be so inept!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
In XXXX of 2019 I paid my balance in full of {$50.00} to XXXX XXXX XXXX. I received an email from XXXX last week saying that there was a new account added to my account from a company called ConServe. I called XXXX and XXXX to dispute. They both informed me that this account was reported XX/XX/2019, AFTER i had paid my balance. I called the company last Friday XX/XX/XXXX and asked them to look into the matter and remove the account ( the first time I had ever had contact with this company ). I have no contract with them, nor knew of them until after the fact. I called XXXX today and they said the company had update the information to say " Paid in full ''. I asked them to submit another dispute. This account was report AFTER I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PR

Complaint narrative:
Jefferson capital reference XXXX Original creditor XXXX XXXX XXXX XXXX We have an agreement that pay only certain amount. they give an discount not to pay all the amount that initial was. XXXX. We agree to it pay {$830.00}. 

I pay XX/XX/XXXX {$270.00} I pay XX/XX/XXXX {$57.00} I pay XX/XX/XXXX {$120.00} I pay XX/XX/XXXX {$120.00} I only own them {$250.00} between XX/XX/XXXX and XX/XX/XXXX. And my account of transunion said I own them more than {$800.00}. And that no true. I will appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: FL

Complaint narrative:
My name XXXX XXXX, I've been XXXX from the US Military since 1971. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX from the Military in 1971, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in 1971. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2019-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name XXXX XXXX, I've been retired from the US Military since XXXX. I'm now an XXXX year old XXXX, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in XXXX. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name XXXX XXXX, I've been retired from the US Military since XXXX. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I retired from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in south Florida after I retired in XXXX. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There is a Hard Inquiry on XX/XX/19 from Citibank NA ( CBNA ) on my XXXX  credit report that I did not authorize. The unauthorized inquiry was for an Office Depot Credit line. I have filed a dispute with XXXX to have this inaccurate information removed from my credit file. I was a victim of ID theft in the past so I monitor my credit file regularly for any fraudulent activities. Thank you for your assistance with this 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 2019-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
XX/XX/XXXX of 2014 from EZ payday loan. I never took out a loan with them in 2014. I wasn't even living in the place that say I was living at.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Venture Rewards card advertises the ability to transfer points to partner airlines. 

I am a cardmember. I also have a XXXX XXXX frequent flier account with XXXX XXXX and Capital One is advertising a promotional rewards point transfer to this program during the current month. 

There is an apostrophe in my last name. This punctuation exists on my drivers license and passport, and the airline asks that the name on my frequent flier profile match to those documents. So it exists on my frequent flier account also. 

Capital One has a system that can not support this punctuation. I attempted to contact them to spell my name correctly, and they informed me that I am not eligible for this card benefit unless I update my frequent flier account so that it won't match my ID. 

Their agent was very friendly but told me that they would not take any action to help me, and that their system issues are my problem. While not intentional, this treatment is discriminatory because other cardholders are able to use the benefit, and I am not. I pay the same fee as those customers, and I strongly believe I should be entitled to the same services as everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name XXXX XXXX, I've been retired from the US Military since 1971. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I retired from the Military in 1971, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I retired in 1971. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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