vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have spoken with each of these creditors concerning inquiries on my credit report and none of them can provide me with any information nor can they provide me with a notice stating there is nothing in there system because there was not account opened all the companies told me to dispute it with the credit bureaus and it should come off because they do not have any information to provide. I disputed these inquires with equifax numerous times and it keeps coming back with the same pre made letter stating VERIFIED. Facts, Equifax has not verified anything that I myself can not get answers too. I have attached the credit report that Equifax sent me. I also, asked Equifax to send me this information : What is the name of the person you spoke to at each company? What department was the representative from? Send me a copy of the credit agreement bearing my signature? and I did not receive any of the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
SPEEDY CASH CASE NO XXXX AMOUNT XXXX RECEIVED EMAIL STATING THEY WILL TAKE ME TO COURT AND GARNISH MY WAGES FOR THE AMOUNT OF XXXX EXCLUDING ATTORNEY CHARGES. 

" THE XXXX LAW FIRM '' THEY KEEP CALLING ME AND I DON'T REMEMBER THIS DEBT AND I HAVE NEVER RECEIVED A WRITTEN NOTICE OF ANY KIND

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX credit card through synchrony bank. 
I went to XXXX to repair my transmission they installed a different model then what was brought in and didn't tell me. Then they cut oil lines to the radiator and ran the new lines so they were running against the axle and scorn within 10 miles. When I drove it home my 2 rear brake lines were snapped off. I went to a different mechanic to review the work since XXXX manager couldn't give me any details on what was repaired. The new mechanic showed me all the incorrect installed lines, missing dust guard and recycled junkyard transmission and leaking seal they installed. When I went back to XXXX they told me they can't find the transmission cover and it was sold out but it was not needed. As per XXXX without the cover the inner seal will rot and I was able to find the cover in 5 minutes on XXXX. Between the other shop cost, brake line repair cost and blatant lies I will not go back to XXXX. 

I contacted synchrony about the issue and have now logged 3 fraud claims which have been denied without ever calling me or emailing me like they promised for the photos of the issues and report from the other mechanic. I have logged over a dozen calls which I repeatedly get hung up on by synchrony banks reps.

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 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
CRA IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. 
THEY ARE REPORTING MY NAME WRONG AND INVESTIGATING ACCOUNTS UNDER A FRAUDULENT NAME. 
MY NAME IS XXXX XXXX. 
my name is NOT XXXX XXXX or XXXX XXXX XXXX. 
THESE NAMES ARE WRONG, SO HOW CAN YOU INVESTIGATE ITEMS ON MY REPORT IF THESE NAMES ARE WRONG. 
my name is XXXX XXXX. 
please correct my name and do a proper investigation on disputed items.

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 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I never received any service from XXXX and I was told by the representative that there would not no charge however, shortly thereafter I received a huge bill in the mail. I immediately called and told the representative that this bill was submitted in error and I again asked why I was I being charged to pay for a service I never received. Because they apparently still had me in their billing system I requested they cancel the account. After cancelling the account I received a letter from XXXX stating if I didnt make payment arrangement to them they would be sending this account to collections. I called and told them this account should NOT go to collections because I never had service and therefore never had an account. They would not honor their previous commitment to not send this account to collections so I had no choice but to make payments to XXXX to avoid any collection. I set up payments of {$25.00} per month to be automatically withdrawn from my account until this was paid-in-full. I was making the scheduled payments and ( 90 ) days later I received the collection paperwork in the mail. I called the collection company and told them about the payment arrangements I had made with XXXX. They told me to turn around and call XXXX, which I did. XXXX told me that the account wasnt resolved and paid-in-full within the ( 90 ) day time frame, so consequently they sent the account to collections. I informed XXXX  that I was never told about the ( 90 ) day time frame and that we had made arrangements to pay this account off at {$25.00} per month until paid in full and that the account would NOT go to collections. XXXX did not honor their agreement and sent the account to collections regardless. XXXX never provided me any service however, they still were able to force me into paying them money they were never intitled to by threatening to send me to collections if I didnt pay them. I agreed on the terms of the monthly payments and they lied and sent me to collections anyway. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.

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 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I never received any service from XXXX and I was told by the representative that there would not no charge however, shortly thereafter I received a huge bill in the mail. I immediately called and told the representative that this bill was submitted in error and I again asked why I was I being charged to pay for a service I never received. Because they apparently still had me in their billing system I requested they cancel the account. After cancelling the account I received a letter from XXXX stating if I didnt make payment arrangement to them they would be sending this account to collections. I called and told them this account should NOT go to collections because I never had service and therefore never had an account. They would not honor their previous commitment to not send this account to collections so I had no choice but to make payments to XXXX to avoid any collection. I set up payments of {$25.00} per month to be automatically withdrawn from my account until this was paid-in-full. I was making the scheduled payments and ( 90 ) days later I received the collection paperwork in the mail. I called the collection company and told them about the payment arrangements I had made with XXXX. They told me to turn around and call XXXX, which I did. XXXX told me that the account wasnt resolved and paid-in-full within the ( 90 ) day time frame, so consequently they sent the account to collections. I informed XXXX that I was never told about the ( 90 ) day time frame and that we had made arrangements to pay this account off at {$25.00} per month until paid in full and that the account would NOT go to collections. XXXX did not honor their agreement and sent the account to collections regardless. XXXX never provided me any service however, they still were able to force me into paying them money they were never intitled to by threatening to send me to collections if I didnt pay them. I agreed on the terms of the monthly payments and they lied and sent me to collections anyway. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
Hello, I have a MoneyLion Plus membership. I am charged {$9.00} to hold this plus membership which is fine. 

When I first opened the account and took out a {$500.00} loan it was a mandatory committment to invest in an investment account. After a few months moneylion changed their rules and an investment account was NO LONGER a requirement to have a PLUS account. 

I have {$150.00} in this investment account that I would like to take out and have deposited back to my XXXX XXXX XXXX Savings Account. 

Calls to Moneylion are fruitless because the person on the phone always says its a requirement to have this investment account because I have a PLUS loan BUT this is no longer a requirement for this account and essentially my money is being held hostage. 

I just want my {$150.00} set free and sent back to my XXXX XXXX XXXX account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
On Friday XX/XX/2019 I submitted to Key Bank a certified original copy of an order that was approved by a judge in the Supreme Court to have funds released from a guardianship account in the amount of {$10000.00} for the maintenance and educational support of my daughter. 

The representatives at Key Bank including the branch manager told me it should be a few days because the legal dept needs to review the letter, however after 1 week went by I called the bank to check on the status of the withdrawal and their words to me were that " they need to make sure the language of the approval is correct. 

The following week, I was told by a representative over the phone that they had to make sure that I did not falsify the documentation.

In addition, the keybank representatives have not been forthcoming about what else would be needed, and when the funds could be accessed. 

To this day I have yet to hear from any of the representatives even after calling them several times and when I do call I just get shuffled around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX credit card. 
I have not used my credit card in well over 18 months. 
It does not even work. I reported this issue to them. Furthermore, there were fraudulently charges made in or around XX/XX/XXXX of this year for about {$30.00}. I had no idea there was any activity on the account. The credit card company issued about {$120.00} in charges related to this single charge not being paid. When I became aware of this around XX/XX/XXXX, I brought the fraud to the company 's attention. I also, to protect my credit, paid by check by phone over {$140.00} ( XX/XX/XXXX ) to pay off the balance while they investigated. This was to prevent the right hand not speaking to the left and a charge off occurring. This is because I have a XXXX credit score to protect. I am in the middle of a refinance. I also have business credit cards that rely on my personal credit history. All got harmed because of XXXX XXXX being incompetent and unhelpful. 
Yesterday, I was on the phone with them for over 2 hours reviewing XX/XX/XXXX - the money I paid -- where did it go? On XX/XX/XXXX, from XXXX XXXX, I paid online another {$47.00}. Where did this payment go? Why is the current balance on XXXX XXXX showing {$140.00}. They have violated my rights under the Fair Credit Act. The account should be XXXX balance or even negative. They need to restore the credit card to good standing. I do not want to close the account. And they need to update the credit bureaus to reflect that this was their error and they improperly reported. I have identification numbers on the employees I spoke with. XXXX '' XXXX '' XX/XX/XXXX -- he could not locate where my two payments went. He transferred me to escalations. I spoke with XXXX. I spoke with XXXX. {$100.00} are bank fees. {$13.00} are interest charges. They need to remove these. My account ends with XXXX The credit card has an expiration of XX/XX/XXXX. I have been a client of their since XX/XX/XXXX. I have called them over 6 times since XX/XX/XXXX and they are not helpful. They keep saying this is en effort to collect a debt .... And then they ask me to start over again. I ask them what do the notes say? Why am I having to repeat myself.

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 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. I've been fighting with the bureaus for several months and they keep reporting this errorous information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I signed my mortgage loan on XXXX XXXX. I mailed my notice of right to cancel, on XXXX XX/XX/2019 by US postal priority mail express to Loandepot. It was received on by them the same day at XXXX Several days later I noticed that my old mortgage was paid off, contacted Loandepot to find out why they paid it after I terminated my loan. I was told that they did not receive my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I purchased a new home in XX/XX/XXXX, and Chase is the mortgage holder. In XX/XX/XXXX, I received an escrow adjustment stating an increase in property taxes of {$3100.00}. In actuality, my property taxes for XX/XX/XXXX increased only {$27.00}. After numerous calls to  Chase, they admitted ( on a recorded line ) that they miscalculated the original escrow. They had only figured a half years taxes into the equation at time of closing. They are now asking me to pay an additional {$4000.00} in additional escrow. This would increase my mortgage payment by approximately 13 %, from {$3300.00} to {$3700.00}. I explained that this was Chase 's mistake, and I should not be asked to pay an additional {$4000.00} ( or a 13 % increase in mortgage payment ) because of their error. I have only been in the house just over one year ; this has significant financial consequences on my monthly mortgage payment, due to their mistake. I am asking Chase to fund the additional {$4000.00} in additional escrow that they require.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
When attempting to use my BBVA debit card to access available funds, through cash withdrawals or point of sale purchases, BBVA is arbitrarily blocking and denying payment. 

At the end of XX/XX/XXXX on or about the XX/XX/XXXX I went to a XXXX XXXX grocery store, money center to XXXX XXXX cash to my family who was visiting XXXX XXXX. I attempted a point of sale purchase to receive cash back to pay my move in deposit in XXXX Oregon. 

BBVA blocked each attempt I made. I tried once and it didn't go through so I tried again with a lower amount which also didn't go through. I contacted the bank and after a lengthy hold was informed that the transaction was blocked due to potential fraud. 

I verified my identity sufficiently and was told that my card was unblocked. I went back into the store and again attempted the transaction. My wife and XXXX children have been waiting at XXXX XXXX in a foreign country this whole time not knowing why the funds were unavailable. 

Again the transactions were denied so I called back. After waiting 45 minutes to speak to a representative she informed me that they had again locked my card due to possible fraud. 

So I asked her to remain on the line while I attempted the transaction and it was successful. After a mere 1 hour and 45 minutes the single transaction was complete. 

On XX/XX/XXXX first I contacted BBVA support letting them know that I would be making a large transaction in the next couple of days. I was informed that there wouldn't be any problem. On the XX/XX/XXXX I attempted a point of sale transaction at XXXX XXXX in XXXX Oregon to pay my rent. 

It was blocked ... I contacted support who denied blocking the transaction until I asked for a supervisor then finally acknowledged that they had blocked it. I called the branch where I opened the account and was informed that because they didn't have any locations in Oregon that they couldn't help me. 

I tried performing a transfer to another bank where I have an account and BBVA blocked that transaction as well. 

At this point I have spent numerous hours in contact or attempting to contact BBVA to  resolve this matter. I have been embarrassed at each location and this has damaged professional and personal relationships. This was caused by negligence or possibly even intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: MS

Complaint narrative:
I applied for an auto loan and pulled my credit report to my surprise my score was lower than I expected. When I looked to see what was going on, I noticed items on my report that aren't suppose to be there. A police report for fraud and FTC contact has been previously established prior to contacting you all. Please delete these items as soon as possible : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bryant, Hodge & Associates LLC
State: NE

Complaint narrative:
Received text message from XXXX saying, " XXXX, Hey its XXXX. Please give me a call today when you have a chance. Thanks '' Called the number and spoke to a person name XXXX with " Bryant, Hodge & Associates '' about a payday loan from XX/XX/XXXX for over {$500.00} and offering to settle for only {$200.00}. This offer was due to the multiple attempts to contact me to pay this off. I stated that I have not received such attempts and asked him when. He said that this was sent to his office on XX/XX/XXXX and that a notice was sent to me the same day. He also stated that they have attempted to call me multiple times, but no calls received. This was the only notice that they would have sent me, and that they are not going to waste more money to send me letters if I am not going to respond. He mentioned most people are morally obligated to pay this and stated that I am not legally obligated to pay without proper written notice. He told me that they will continue to call me and I said I have yet to receive one phone call, which we stated you will now and hung up. 
I called back and spoke to " XXXX '' and he asked for my e-mail address to send a notice. I told him legally he has to send me written notice via USPS and he said fine and hung up. 

This is a failure of the following : Falsification of statements Attempts to collect debt not owed, even after over 7 years ) Never received notice of a debt Was never informed when calling that this was an attempt to collect a debt

Company response to consumer: Untimely response