vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Unfortunately in XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and also XXXX andXX/XX/XXXXmonthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XXXX of the year XXXX. 

It has come to my attention that because of these late payments with XXXX XXXX XXXX I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with XXXX  and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own. I appreciate your time and look forward to receiving a favorable decision from your department soon. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
Greensky has close to {$90000.00} of money that they owe us in a " reserve '' account that they have had for over a year. They will not tell us when this will be released and how we can get these funds. We have a mutual customer that is trying to payoff their loan with Greensky but they are trying to make us send them more cash when they already have a significant amount of money that they owe us. Because of this our customer is not able to pay off his loan and Greensky will not respond with a fair solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
I purchased home and was being financed by Flagstar bank Michigan based loan services which had history of mortgage and loan modification violations since XX/XX/2018 up to present. soon after I purchased the home the second borrower has lost job and we have to apply for loan modification. The bank received loan documents and promised to give us help based on our income. after review of the loan Flagstar bank denied our modification. The primary reason for assistance is loss of income and they refused to help us in the 1st loan modification request. we did not give up however, struggled to pay monthly payment of {$2300.00} until the month of XX/XX/2018. during our missed payment Flagstar loan officer called us to help us and directed us to reapply and submit loan application along with required documents again. we did. they deny again saying that loan is not matured to one year and again send us letter to reapply when the home is 12 month. we again agreed with the bank and applied for the third time. They denied again. During our default we also found that Flagstar bank added {$1300.00} to our loan balance which we never aware of at all for the last six months and raised the payment to {$2400.00} which we realized that a violation of mortgage rule and make it difficult for us and trying to foreclose the home on us. loan modification is aimed to help active home owners who can not able to make payment due circumstances such as job loss like we had. Flagstar however depicted us for several months by offering false hope, harassing us to apply for assistance and intentionally drags us to foreclosures.

They failed to help us and threatening us to foreclose the home with out offering us options to solve the defaults with payment arrangement, forbreances, or loan modification. secondly they added up money we have not know the reason and made us vulnerable for foreclosure.

I am writing to your office to investigate their violation specially violation of Dodd- frank wall street reform which is regulated by your office which is empowered by federal government. I also inform your that Flagstar bank does not made a fair decision and their judgment is unlawful, not substantial, not transparent, and doesn't not constitute federal mortgage rule and regulation practices. I declare this as act of discrimination and will continue to bring them to justice. Justice will prevail.

Thank you so much.

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 2018-12-08 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX  XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX   XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX   XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public 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 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX  ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public 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 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Child support is still showing on my credit report, however the credit agencies should not be reporting such .Reason being is I have a court order inwhich states these facts.

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 2018-12-08 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: WA

Complaint narrative:
On XX/XX/2018. I sent {$2000.00} to XXXX through XXXX  to XXXX XXXX XXXX   powered by MoneyGram using my debit card. My relative in XXXX was not able to pick up the money due to some error on MoneyGram 's end. So the next day, I went to XXXX  located at XXXX, Washington on XX/XX/2018, to get a refund and try to send it again. I was able to get a cash refund which I sent it back immediately to the same location and person. Again the receiver was not able to pick up the money. So, I went to XXXX  located at XXXX, WA again on XX/XX/2018 to ask for a full refund. The agent at that location called MoneyGram to get a reference number so that they would refund my money back. This time the agent told me that MoneyGram claims that the money has been refunded. The agent was on the phone with MoneyGram for couple of hours. They refused to refund my money back. At the end of the conversation with MoneyGram on XX/XX/2018 that they said that they have to investigate and told me to call them back on Friday, XX/XX/2018. So, today, XX/XX/2018 I called MoneyGram back and they provided me with a reference number. So the very same day I went to XXXX  to get a refund but they couldn't refund it back to me. Again the agent at XXXX   was on the phone with the representative for MoneyGram. The representative told me that now the time for investigation is 90 days and they can not refund my money back. I have to work hard for my money. I am sending this money to my relatives so that they can have a joyful holiday. I need answers and I need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking & saving account on XX/XX/2018 and funded my account with $ XXXX on XX/XX/2018 so that I will receive {$400.00} cash bonus as their promotion stated. By end of XXXX, I haven't received my credit. I have tried calling and visiting branch, and they have changed the date that I would receive my credit. They initially promised that i would get it in mid XXXX, then early XXXX and then End XXXX, as time went by. The last time I went to the branch on XX/XX/XXXX, I was told I will get it in end of XXXX On the fine print, it clearly states the cash bonus will be credited to the new checking account within 90 days from the date i complete all offer requirement. I completed the requirement on XX/XX/XXXX and I should receive by XX/XX/XXXX. Today is XX/XX/XXXX and I haven't heard back from them after submitting a complaint nor receiving the cash bonus. 

Attached is the my bank statement showing that i have funded $ XXXX, their promotion material, fine print and new account opening doc.

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 2018-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a new customer to Capital One when I signed up for this {$500.00} bonus offer : XXXX  XXXX   XXXX " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' I deposited over {$50000.00} dollars within the time allowed. Within that time, I also withdrawn that money as well. 

Here are the times of those deposits : XX/XX/XXXX - {$10000.00} XX/XX/XXXX - {$7000.00} XX/XX/XXXX - {$8000.00} XX/XX/XXXX - {$9000.00} XX/XX/XXXX - {$8000.00} XX/XX/XXXX - {$8000.00} Total of {$50000.00} deposit. 

I called Capital One twice on XX/XX/XXXX which over 60 days from my last deposit to find out why I have not received my {$500.00} savings bonus. 

Both reps claimed that I needed a balance of {$50000.00} or one deposit of {$50000.00}. That is not in terms I agreed to. There is nothing in the terms about having a balance of any amount besides earning 2 % on {$10000.00} or more. Also, there is no clear indication that only one deposit worth {$50000.00} would qualify for the bonus. Especially when most banks do not allow that much to be deposited to an external account on one transfer without fees and paperwork. They refused to credit my account {$500.00}. 

Capital One is trying to pull a fast one by changing their terms to fit their needs while trying to make money off consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: MN

Complaint narrative:
XXXX XXXX and XXXX XXXX sent me a letter of notification that they had a major data breach and my personal information was stolen and compromised. I checked all 3 of my  credit reports and I discovered 2 accounts on my credit report thats fraudulent, unauthorized and not mine. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX. These 2 fraudulent accounts are the result of the XXXX XXXX data breach announced on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX  along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with department store national bank and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.

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