vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
The company was drafting my account q day prior to payday and the funds were not available so they the proceeded to block my bank account and would not let payments go thru when I noticed I called and payed off my loan completely. This account has been reported as late for several months due to their system not allowing me to make payments and even after j payed it completely off is being reported as a charge off with a XXXX  balance. I called and even submitted a request for them to correct the errors and got nowhere with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-10-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I owed {$730.00} end due to over milage at an auto lease end. As directed, I submitted a payment on XX/XX/2020. Chase Auto Finance received my payment on XX/XX/XXXX and my check posted on XX/XX/XXXX. 

Since XXXX, Chase Auto Finance has called trying to collect my payment of {$730.00} every month. My only recourse was mailing front and back of my cleared check to : Chase Auto Finance Attn : Research Dept. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX I mailed proof of payment ( front/back of check ) in XXXX and again in XXXX as they continued to request During my monthly collection call ( XXXX ) I was asked to FAX ( XXXX ) and Chase said I have an outstanding balance of {$730.00}. 

Today, was my XXXX collection call from Chase Auto Finance claiming I have an outstanding balance of {$730.00}. I was once again asked to prove my payment ONLY by FAX to XXXX. 

I have mailed a copy of my cashed check twice and faxed twice and yet I have to prove a negative to Chase.

How is it possible in the year XX/XX/XXXX, the customer has to prove to Chase Auto Finance via Postal Mail and FAX that I have made the payment? Chase are the ones who have misapplied the payment. I have been harassed for over 3 months with collection calls and still
no clear explanation and ownership by Chase. Chase has stolen my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Avid Acceptance, LLC
State: AZ

Complaint narrative:
I have made almost XXXX in payments and my loan has only come down {$600.00} I didnt notice this once I did I called and the company told me that this was because I have made a few late payments I was not aware that my payments were being put strictly to interest. I called back and asked for a completete payment summary that included paydays and due dates as well as fees and interest daily and was sent a sheet that makes no sense.

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 2020-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Services is incorrectly applying schedule payments. Every month I have informed customer but aren't getting anywhere. XXXX XXXX XXXX  as record of all schedule payments including Principal payments. Principal and regular payments are mixed together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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:
THE DISPUTED ACCOUNT LISTED HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AGREEMENT BETWEEN ME AND THE COMPANY. THIS ACCOUNT IS NO LONGER LIABLE TO ME AND I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF THE THREE CREDIT REPORTING. PLEASE REFER TO THE RECEIPTS

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 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
While attempting to apply for a home loan, I was informed that XXXX XXXX XXXX had sent an unpaid bill for {$210.00} assigned to me to Franklin Collection agency, case # XXXX ( XX/XX/XXXX ). I never received written notice by either XXXX XXXX XXXX or Franklin that I owed any money. Also, when I contacted XXXX XXXX XXXX to explain and itemize services performed for this bill collection representatives had no record of this account ( XX/XX/XXXX ). I submitted a written notice of dispute to Franklin on XX/XX/XXXX. 

I followed up by contacting ( XX/XX/XXXX ) and requesting Franklin to explain and itemize services associated with this account and have yet to receive correspondence. However when I asked why my credit rating was lowered for a charge I hadnt received, Franklin customer service admitted the billing address on file for this account was not my mailing address. In addition, the filed address they provided is actually not a valid mailing address according to the US Postal Service. It is important to note that the invalid address Franklin had on file was provided to them by XXXX XXXX XXXX. 

I am currently an XXXX XXXX XXXX customer with current contact information on file. I have never missed a payment for any bill sent to me by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Filed a dispute with Credit Bureau stating that I never had a CONTRACT with the negative information that is listed on my credit report. The Credit stated that they verified the debt was mine. How could you verify something is mine when IT IS NOT MINE. 


I want Equifax to delete that negative information that is being reported for XXXX. 
XXXX is the 4th collection agency that have tried to place negative information on my credit report. I DO NOT have a CONTRACT with them, never had a CONTRACT with them and Equifax is being neglect because there is no way that they could have verified that when I never had an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: FL

Complaint narrative:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

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 2020-10-12 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2020-10-12 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: CORELOGIC INC
State: FL

Complaint narrative:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

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 2020-10-12 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: LEXISNEXIS
State: FL

Complaint narrative:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
On XXXX XXXX, I saw and adverstisment from HSBC for opening an HSBC Premier Checking and get Up To {$700.00} Bonus payable at 3 % of the direct deposit up to XXXX each month for 6 months. 
I then clicked on the promotion page, and I applied with application ID : HSBC Bank USA, N.A.  account application Application ID XXXX I received this : Were writing to let you know your application for a new HSBC Premier checking account was declined because were unable to verify credit references ( XXXX XXXX ). 
I then contacted the bank. I was told to unfreeze my account, and they will fix it. I was told that I would be eligible for the promotion as long as I meet the requirement. 
I then follow the same instruction and link after removing freeze from my account. With the customer service help, I got a new application ID : New HSBC Bank USA, N.A. account application Application ID XXXX. 
After 4 days, I received an email with : Welcome to HSBC Bank USA, N.A. Your online application to open a new HSBC Premier checking account has been approved. 
I call the bank on XX/XX/XXXX, XXXX XXXX  OUT ( XXXX ) XXXX. They confirmed my application and promotion. I waited for the time frame required to get the promotion, and I didn't see it. I call the bank on XX/XX/XXXX, XXXX XXXX  OUT ( XXXX ) XXXX. I asked why I have not received my bonus offer. The customer service rep told me that he looked at my account, and usually, I should have received it in the 4th months after opening my account, but he will submit a ticket. I called today, and I was told that after reviewing the account. I am not getting paid base on the bank internal policy. this is outrageous because I follow all instructions, and I had customer service help me with the application. I was also told multiple times that I was eligible, and I need to wait. Now I am told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover company closed my credit card due to inactivity.

The account was in good standing and with around {$15000.00} credit line. 
The account was in active since XXXX XXXX. There was not even a single late or missed payment.

Due to the Pandemic, I paid out my pending balances in XX/XX/XXXX and since then kept this credit card as my emergency credit card in case I need to.

I logged in every month into my online portal and it showed me an available credit of {$15000.00}. This was a huge relief for my fami

ly of XXXX kids. However today when i contacted Discover
to reissue new cards for my account, i was startled and shocked to know that they closed my account due to inactivity. Obviously we were using my other credit cards to keep our expenses low during this  pandemic. 
Within 6 months of inactivity during this Pandemic, Discover deactivated my account. 

The fact that i called discover a couple of times, and logged into the online account did not count as activity. Even today when i log in, it shows a credit balance of $ XXXX which leads me to believe my account is active. 

Building a credit to $ XXXX o

n a credit card was a big thing and i was really looking forward to having this account active. Spoke to multiple people in Discover and they all denied reactivating the account and recommended me to open a new account, which would obviously not give me the same credit line that i had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
We are now in day 80 of our refi mortgage process. Bank continually asks for the same documentation that has been already sent, asks for new documentation randomly over the course of the 80 days, seems to be stalling for some reason on letting us know when the closing will actually be. We were conditionally approved over 3 weeks ago, yet we still don't have a closing date and the closing disclosure will now have to be updated once again since a mortgage payment is now due. 80 days and counting with no reason provided is totally unacceptable, and there wasn't even an appraisal needed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems ( TSI ) sent me a letter dated XX/XX/XXXX informing me that I owed the creditor XXXX XXXX XXXX XXXX account XXXX for former creditor XXXX  the amount of {$76.00} dated XX/XX/XXXX. I contacted XXXX who confirmed this debt. I had no knowledge of this debt when I closed my account with XXXX. I then paid TSI the {$76.00} online using my XXXX XXXX debit card because TSI refused to be paid by credit card. The confirmation number is XXXX. 

TSI has NOT CONFIRMED that this debt is paid as of this time. I called them last week and told me that they don't know when this will be cleared or whether it would hurt my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Hello, Im currently a member of Freedom Debt Relief and have been a member for since XX/XX/2017. I was told that all my debt would be resolved in 5 years! 

I feel as though Im being scammed because I recently found out that over three years Ive deposited over {$4500.00} dollars to settle debts and only {$800.00} dollars of my debt has been paid off. Please help. 

They wont even give me a ledger to see where all my money has been going. They also gave me a number for XXXX to obtain my ledger but apparently their offices are officially closed due to covid and I cant get ahold of a representative. 

Ive been paying {$230.00} dollars a month for three years and only {$800.00} dollars of debt has been paid. This is absolute fraud. Please help. 

-XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I obtained a copy of my credit report and found that two companies were incorrectly reporting me as being delinquent on accounts that have already been paid off. I wrote both companies detailed letters addressing these errors and asked them to correct them. Company # 1 made the necessary corrections. Company # 2 has refused to correct the errors stating, " Based on the research, we have determined the account is being reported accurately to the consumer reporting agencies and will continue to be reported in the current manner. '' I have written several letters to Company # 2, made multiple phone calls, and even contacted the XXXX XXXX XXXX, yet nothing has changed. Their refusal to correct this error is unjustly and negatively affecting my credit report and credit scores.

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 2020-10-12 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:
THE DISPUTED ACCOUNT LISTED HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AGREEMENT BETWEEN ME AND THE COMPANY. THIS ACCOUNT IS NO LONGER LIABLE TO ME AND I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF THE THREE CREDIT REPORTING. PLEASE REFER TO THE RECEIPTS

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