vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: MI

Complaint narrative:
Since approximately lateXX/XX/XXXX around the XX/XX/XXXXof the month I have been in contact with the company Moneylion to regain access to funds in my accounts. There is one checking account and one investment account. Customer service representatives since this time which mind you is within an approximate few day range of contact when I started speaking in regards to the problem sent a debit card to the wrong address allegedly and this card was irretrievable. They furthermore claimed they were sending me a check in canceling the account which I was later told was either sent to the wrong address or was sent later. The check never arrived and was passed their conditionary time for getting it to me. Customer representatives claim for the most part they do not have the power to do much and then some claim they can do things for example : a transfer to an external account isn't able to be performed by a Customer Representative  though one said they would, one said a Supervisor even could not do this, then another said only Supervisors can do this. The amount of misguided information I received from these customer service representatives whom for over two months could not solve a problem and mishandled the situation with my account including Supervisors whom allow and permit this to go on are quite to my disgust in business management. I've worked with previous companies who could assist me in 5 minutes..not over two months. This company that  throws out manual help apparently because they are so streamlined and automated and more effecient have left me without any use of my funding I receive for a temporary time to purchase food supplies, health drink supplies, any form of medical supplies, all which have nearly thrown years of data off of my XXXX XXXX studies which include studies in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Thanks to the local area however, I have been able to bridge the chasm so to speak this company created that otherwise would have destroyed valued findings in which I am contributing to the XXXX XXXX XXXX of the United States and various areas worldwide. Can we solve the problem any sooner these days? This is the yearXX/XX/XXXX A.D. afterall.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: GA

Complaint narrative:
THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY. I AM NOT A CREDIT REPAIR AGENCY, I AM SUBMITTING FOR MYSELF. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-04 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: CA

Complaint narrative:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud.

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 2020-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have 2 accounts with Synchrony Bank. One was for a Rooms to go Card and one was for an Amazon Card. I fell behind on these accounts due to the illness of my father resulting in him moving in with me and my having to be his XXXXXXXX XXXXXXXX   and do his XXXX at home. He recently passed and I am trying to correct this. I contacted Synchrony bank and was told that they could not take a payment for the outstanding balance because they had sent me a 1099-C. Now I have to pay taxes on this amount and they refuse to update the status on my credit report. If they want to forgive the debt and not let me make it right, it is unfair that they continue to report a closed account with a balance which is affecting my overall credit utilization and my credit score and making us unable to qualify for a home loan. I am requesting that they either let me pay the debt back, or update the credit reporting to show a zero balance ( since the debt was forgiven and I have had to pay taxes on it. ) If they had sent it to a collections agency it would have been less harmful than this because it would have shown as a collection and not a continually negative item that is closed but still has a balance. It is unfair to continue to punish someone who has tried to correct and pay the balances IN FULL. I have sent goodwill letters, emailed the corporate secretary, tried to contact the COO of Synchrony Bank on XXXX. 

The Rooms to Go/Synchrony Bank : Account XXXX and had a balance of {$1000.00}. It is reporting as " Charged off as bad debt, dispute resolved, customer disagrees '' and was closed XX/XX/2014 Contact SYNCB/Rooms To Go : C/O : XXXX XXXX XXXX XXXX FL XXXX Phone XXXX. 

The Amazon/Synchrony account XXXX and has a balance of {$610.00}. Reporting as " Charged off as bad debt, dispute resolved, customer disagrees '' and was closed XX/XX/2014. Contact SYNCB/Amazon PLCC : XXXX XXXX XXXX XXXX FL XXXX Phone XXXX I am a XXXX  and XXXX XXXX   XXXX XXXX XXXX XXXX, my husband is a XXXX  and we do not deserve to be treated this way when we have tried to pay this in full.

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 2020-09-04 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: CA

Complaint narrative:
In XXXX of this year 2020 I filed disputes with XXXX, XXXX  and Transunion I yet to receive anything from them on this matter. I understand that with covid19 going things have slow down but 4 month later is not acceptable. There should be no reason why I havent got a reply from any of three bureaus.

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 2020-09-04 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: CA

Complaint narrative:
In XXXX of this year 2020 I filed disputes with XXXX, Experian and XXXX  I yet to receive anything from them on this matter. I understand that with covid19 going things have slow down but 4 month later is not acceptable. There should be no reason why I havent got a reply from any of three bureaus.

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 2020-09-04 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: CA

Complaint narrative:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud.

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 2020-09-04 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 was the victim of identity theft, which resulted in some accounts being opened in my name by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I contacted the Winn Law Group to get information on a collections account that is being handled by them. They told me they could not give me any information because I was being represented by an attorney. I told them that was no longer the case, they asked that I send that in writing. I sent that in writing as requested, then I call back and they tell me they still cant give me I formation because the letter doesnt state that Im validating the account ( which they never asked me to do that in the first place ) I call back and ask why I wasnt told that because i could of easily done that the fist time. Once again I sent what they requested, another letter that stated I wasnt being represented by an attorney and that I am validating the account. I call back thinking Im going to get information finally and Im told they still cant give me any information because the letter I sent doesnt state that I am not disputing the account. At this point I am very frustrated because again I wrote what they told me to and at no moment did they say I should write that. The letter I wrote clearly stated my name, social and that I understood the balance in the account and that I am ready to pay it off / negotiate. This company is a joke. Theyre employees are not efficient at all. I have been trying to pay this off for about a month now and I still cant get any information because now they dont pick up my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Kansas, Inc.
State: MO

Complaint narrative:
I was resident of XXXX, XXXX  for 7 years and always paid my city bills ( water, sewer, etc ) on time. During this COVID pandemic I moved to XXXX  and closed all my service accounts. I faced the XXXX   XXXX challenges and the XXXX XXXX department filed a derogatory claim on my credit file for {$120.00} dollars which as soon as I found out I paid it. They couldn't reach me because I was unavailable due to the XXXX and I couldn't pay before. I found it very unfair to post this type of claims that damage my credit reputation just because of one small balance, even when I paid always on time and the account was closed before moving to XXXX  and now the balance is paid, I need this claim to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: IN

Complaint narrative:
I'm requesting payoff of my mortgage. This payoff needs to be good through the end of the month ( XX/XX/2020 ). tfcBank request attempts below : Three loan processor requests faxed to XXXX since XX/XX/2020. 
Request made by me via TCFLoanServicing@tcfbank.com on XX/XX/2020 which resulted in automated email reply from tcfBank requesting I fax request to this number, XXXX. 
Two phone call request attempts by me to tcfBank XXXX loan servicing department. The phone was answered and then the call was ended with no one speaking ( I was hung-up on ). 
First request attempted by me at Chemical Bank to tcfBank transition information line XXXX resulted in no one picking up after XXXX minute hold. 
Second request attempted by me at Chemical Bank to tcfBank transition information line XXXX, spoke to XXXX, she transferred me back to the tcfBank loan servicing department despite me conveying my inability to get through to this number. I requested she stay on the line with me, she agreed, I was then put on hold, she came back on the line and said she was unsuccessful at reaching tcfBank and suggested I email them. I told her I had, she then tried tcfBank again and I am presently on hold waiting for them to answer her ( this call has reached 61 minutes and counting ) I am sending this payoff request from fax number XXXX, as this is the only fax number available to me during COVID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020, I attempted to send my Nephew {$1000.00} through my Bank 's choice and promoted transfer service XXXX, having a XXXX XXXX resulting in some XXXX problems, I put the wrong last digit in the phone number. I caught it immediately, called my bank ( Bank of America ) and was transferred around several times over the next hour, only to be told I had to go to XXXX, because BofA has nothing to do with XXXX transfers - thenk to be told by XXXX that since I transferred the funds through my bank using XXXX I had to talk to them. FINALLY after over an hour, I was transferred to Bof A 's dispute department, I opened a dispute, and was told it would be 10-45 days. On the 45th day ( XX/XX/2020 ) I called BofA 's dispute customer service department and was told XXXX XXXX denied my dispute and I would not be receiving my {$1000.00} back. Now {$1000.00} is the difference of whether or not my rent is paid this month, so I am financially in despair. I sent emails to BofA 's Customer Care Exec at their Corporate Office,  her name is XXXX XXXX and getting her name took several calls to customer service, talking to 2 different supervisors since the reps answering the calls did not know who to direct me to. 
6 emails over the past 3 days and no response from this woman. I then started research on the internet and found out I'm not the first to be defrauded by XXXX using the Banks that offer XXXX XXXX  service. In addition to that, I found out that XXXX was created by the BIG BANKS i.e. Bank of America ( CEO spear headed to create it ), XXXX XXXX, XXXX XXXX, etc .... to compete with XXXX 's money transfer division. The article went on to state the banks created it because they would have the capture market of thier customers, and now they are branching out to other consumers to make the app profitable. I can not get a response from BofA, XXXX XXXX, XXXX to correct this error and transfer back my money. So I'm turning to you. I saw several more complaints on line and on XXXX response when I posted my experience there, also on the Consumer Affairs site, XXXX, etc ... .. Please help, I have no income right now, and need my money back - FYI - the same day, I did send my nephew a {$1000.00} because he is in the same situation - I used XXXX and got the number right the second time, so I transferred {$2000.00} through XXXX and BofA that day. The Case Dispute number at BofA is XXXX

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 2020-09-04 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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:
This account is fraudulently reporting to my credit report! I have TRIED to exercise my right as a consumer, under section 611 by asking for verification nicely, but the company has refused my request and Experian has failed to protect my rights by deleting the account after they have failed to respond!!! I AM TIRED OF DEALING WITH THIS AND HAVE COMPLAINED COUNTLESS TIMES TO THE FTC AS WELL!!!! NO ONE IS LISTENING TO ME!! I HAVE ANXIETY AND I AM GOING CRAZY BECAUSE NO ONE IS HELPING ME!!! THIS IS AFFECTING MY HEALTH AND MY ABILITY TO LIVE MY LIFE PROPERLY!!!!! THIS IS THE ONLY THING AFFECTING MY CREDIT REPORT!!! ITS ONLY ON ONE BUREAU AND THEY ARE IN VIOLATION OF MY RIGHTS!!!!! I DONT KNOW WHO ELSE TO TALK TO AT THIS POINT BECAUSE EVERYTHING IS USELESS!!!!!! I NEED THIS DELETED FROM MY CREDIT REPORT IMMEDAITELY!!!

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 2020-09-04 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 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: GA

Complaint narrative:
THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY AND THAT I AM THE ONE HANDLING MY INFORMATION. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2020-09-04 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: Global Lending Services LLC
State: TX

Complaint narrative:
The Global Lending Services LLC company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely XXXX, XXXX  and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to Global Lending Services for the last 4 months. Yet they still report a 30-day late  payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from GLS LLC themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.

Company response to consumer: Closed with explanation