vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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: MD

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my 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 2020-07-16 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: MD

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my 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 2020-07-16 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: TX

Complaint narrative:
Account Name XXXX XXXX Account Number XXXX   Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

inquires ftc violations US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record untilXX/XX/XXXX. 

Not disputable online XX/XX/XXXX Inquired on XX/XX/XXXX Rental on behalf of XX/XX/XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XX/XX/XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XX/XX/XXXXInquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable onlineXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

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 2020-07-16 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: TX

Complaint narrative:
Account Name XXXX XXXX Account Number XXXX   Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Account Name XXXX   XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

inquires ftc violations US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

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 2020-07-16 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: TX

Complaint narrative:
Account Name XXXX XXXX Account Number XXXX   Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

inquires ftc violations US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/2020 I was suspended from employment, I did request from PHH mortgage a forbearance plan for XXXX, XXXX and XXXX. I went back to work and re start the payments on XXXX XXXX2020. I asked them what will be the next step in relation with the forbearance, they told me they need to modify the loan and ask for all the documentation, i did submit all the documents back in XXXX, but still not resolution up to today. I ask the why they keep sending me statements with late payments due, and they answer not to pay attention to them. Last thing that happened is that they report to XXXX  a missing payments report on the loan and i lost 85 points on my credit score, i did call them regarding this issue and they told me they can not fixed.another thing I notice on my  statement they are collecting on my payments MIP and PMI insurance on my mortgage, and my understanding is that should be only one, no both.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
I received an email with a promotion code ( XXXX ) for {$300.00} from Hancock Whitney Bank on XXXX XX/XX/XXXX and opened an account on XXXX XX/XX/XXXX. I met all of the conditions by the deadline XXXX XX/XX/XXXX. 

Although they also agree I have met all of the terms and conditions spelled out in the promotion, I was informed i would not receive the promotion upon follow up because I'd received a savings account promotion within the last 12 months. That promotion was received in XXXX. 

The emailed terms and conditions state very clearly : " Limit one new consumer checking related bonus per household per calendar year. '' Their excuse does not apply as 1 ) XXXX is not calendar year XXXX and XXXX XXXX a consumer checking account promotion is not a consumer savings account promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$510.00} XXXX  XXXX {$0.00}

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 2020-07-16 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$590.00} XXXX  XXXX {$500.00} XXXX  {$0.00} XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: MD

Complaint narrative:
I had called XXXXXXXX XXXX to inquire about a home loan and they did a hard pull on my credit report without my authorization.

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 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I need to pay the fees but it says I can not due to recent changes. What good is my bank account if I cant use it to pay for things?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
On XXXX, I purchased a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX, Maryland, because these electric vehicles were for sale in Indiana where I live. The Sales Contract listed the {$30000.00} amount unpaid on the car after I paid {$10000.00} as a down payment. 

I issued a check # XXXX for the {$30000.00} on XXXX because the first payment due amount listed this higher amount as the one time full payoff amount. 

Hyundai Finance issued a second payment due notice for {$210.00} on about XXXX that I paid with check # XXXX. 

On XXXX, Hyundai Motor Finance, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX, issued a {$1.00} check # XXXX to me. 

I emailed Hyundai Finance and the XXXX XXXX, XXXX, MD, dealer, XXXX XXXX XXXX, about the overbilling to me with no response from either party. 

I received a lien release on the loan, but perhaps due to the COVID-19 pandemic, I have not yet received the new car title and my temporary license paper tag issued by the dealer expired XXXX. I paid {$5.00} to the local XXXX XXXX, IN, Police Department to complete a signed VIN number check that they apparently informed the Indiana Bureau of Motor Vehicles via his shoulder radio of his findings. I emailed a copy of the police VIN check form to XXXX XXXX, but I still have no Title and an expired temporary tag.

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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
my credit report shows a debt in collections from a peppercash.com. A payday loan that i never applied for, nor recieved any money from. This is a known payday loan scam ( tribal ). The amount is for {$800.00} and shows as a negative collection on all of my credit reports. I have contacted the original debtor, whom offered no assistance, unless i gave them my privite social security number to look up the original loan details, which i refused to provide. peppercash   telephone agent could not look up any details of loan and instructed me to reply with inquiry to the following email. 

XXXX upon investigating, i have. discovered that this is a known company & scam. Please accept my report/claim, and assist me in getting this fruadulent loan removed from my credit reports. 

Red Rock Lending www.peppercash.com Big Picture Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$510.00} XXXX  XXXX {$0.00}

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 2020-07-16 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: FC HoldCo LLC
State: FL

Complaint narrative:
XX/XX/XXXX inaccurate late payment I am disputing the delinquency reported by Flagship Credit due to covid my job closed down I reach out to them for assistance according to the Cares act during the Covid 19 if you get relief assistance from your creditor they are not to report late payments only report active accounts they reported me 30 days late they did not notify me of this I think this unfair and without warrant do the pandemic this shut down was not my fault I ask that this late report be removed 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 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: WI

Complaint narrative:
XX/XX/XXXX XXXX and XXXX XXXX Loan number XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX To whom it may concern, We're filing this complaint in the hopes that you will assist us with our final loan modification, with Selene Finance. we were approved for a Trial Payment Plan- a SIX MONTH plan- on XX/XX/XXXX. We have made each of the six payments on or ahead of schedule and have been trying to get final Modification approval information from Selene, since XX/XX/XXXX. 
We've spoken with them FIFTEEN times over the last six weeks and still no update. Not only has their story repeatedly changed and then intentionally missguiding, on every phone call, we were reminded that we should continue to make the trial payment that we agreed to last XXXX. Given that our Trial Payment Plan, was for a period of six months, we are not legally responsible to continue making payments unless a NEW Agreement is reached. Not only this, but Selene has a  history of forcing homeowners to continue making payments after successfully completing a trial modification plan and never modifying their loan. 
We also requested and received a complete Loan History printout and noticed numerous exorbitant charges over the last five years. Selene has yet to been able to provide us with an individual to discuss this with, let alone to explain these charges. It's our understanding that Selene is acting extremely litigious and not following Federal Compliance guidelines with regards to servicing our loan and this modification. 
I've attached all notes from our calls, beginning in XXXX, to this complaint and we are requesting that this matter be resolved as soon as possible. We simply wish to return to good faith payments and put this whole ordeal behind us. 

Thank you for your assistance and I'm available anytime at XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
On XX/XX/2020, I sent {$140.00} ( XXXX shillings XXXX ) to my brother ( the recipient ) from U.S to XXXX via MoneyGrams mobile wallet money transfer service. The reference number for this transaction is XXXX and the transfer fee was {$0.00}. The only reason I used this service is because due to the COVID-19 pandemic, MoneyGram constantly represented in its website that this was the fastest way to send money at a reduced fee as the funds would be available to the recipient within minutes, and prior to this, I had successfully used the mobile wallet service for other transactions. Unfortunately, the recipient has not received the money to date ( as of XX/XX/2020 ). As the recipient is currently unemployed and has XXXX children, he requires this money for his rent and daily expenses. The recipient followed up with the financial company in XXXX XXXX XXXX which I believe has a service level agreement with MoneyGram for the mobile wallet service referred to as XXXX. XXXX XXXX completes their investigations this week and according to them, they did not receive any money from a MoneyGram. Ive followed up with MoneyGram more than three times and Im disappointed with how they are handling this issue despite my request for them to expedite the matter. Each time I call, I speak to a different customer care representative who says that their investigation takes up to 90 days. 90 days seems fast to them but to the recipient, thats 3 months of economic hardship. Initially, MoneyGram gave me a case number for my complaint - # XXXX. I called later to follow up and they hadnt even began their investigation. On my request, the customer care representative escalated my complaint and gave me a new case number # XXXX and informed me to call back in 2-4 business days, which I did. Since then ( XX/XX/XXXX ), Ive been calling every 2-4 business days and requesting them to expedite their investigation and/or refund me, but all they say is that investigation may take up to 90 days per protocol. I feel that MoneyGram misrepresented how fast the mobile wallet service is. As the receipt provided by MoneyGram on XX/XX/2020 indicates that the transaction was completed, I would like them to provide the evidence of any alleged delivery to the recipient. 

Please assist with this follow up and if possible, obtaining a refund from MoneyGram. 

Thank you.

Company response to consumer: Closed with monetary relief