vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: MoneyLion Inc.
State: NC

Complaint narrative:
On, XX/XX/2019 at XXXX EST, I placed a call to MONEYLION using the number ( XXXX ) XXXX and due to the extended hold times accepted the option for a callback. The call-back came in at XXXX EST, on XX/XX/2019 from ( XXXX ) XXXX, and I spoke to representative named # XXXX. I informed the representative that I had previously attempted to call the company, in order to update my banking information, as I was a victim of Identity theft/fraud, but after holding on the line for well over 45 minutes, I was unable to reach anyone. I then immediately inquired about the account and was told the account was past due, which I was not aware of. 
I inquired about the previous payments and the full payoff amount for the account and was given several different pay-off amounts for the loan. Respectfully, I felt extremely uneasy about the information provided by this representative and requested to speak to a manager. I was told a request would be submitted and to expect a return call within 24-48 hours. I never received a return call from a manager and decided to send a certified debt validation letter ( enclosed in the attachments ) on XX/XX/2019, as the company had reported late payment information to XXXXXXXX XXXX XXXX 
As of today, XX/XX/2019, I have not received any correspondence from MONEYLION. On XX/XX/2019, I made payment for the remaining balance on this account. ( enclosed in the attachments ) However, I was alerted that MONEYLION reported additional unverified negative, late payment information to the credit reporting agencies listed above, further damaging my credit report. MONEYLION is in violation of federal and state crediting reporting laws, i.e. FCRA Section 623 and in addition, has what appears to be intentionally and willfully, defamed my character. Under law these actions may constitute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have two private student loans handled by Navient. Since XXXX of this year, I have had to call them monthly ( could not solve the problem via their web site ). Each month I have to make the same request which is to apply a specific amount to ONE of the loans, and leave the other loan UNAFFECTED. Both loans are paid automatically. I have requested {$1900.00} to be paid as an extra payment on ONE loan MONTHLY until THAT ONE LOAN is paid off. Each month less has been applied ; typically {$1900.00}. and dispersed among BOTH loans. Also, until the most recent phone call I made onXX/XX/XXXX I was not told that I could pay a MAXIMUM of {$1900.00} and was not given a reason for this. This is causing me to have to pay my loan off longer than I want to pay it off. My plan is that when that one loan is paid off, then the {$1900.00} would be applied to the remaining loan. Each month they apologize and assure me that the following month, the amount deducted automatically will be applied to the ONE loan I want it applied to. Each month this is NOT the case. This situation will cause me to have to pay my loan off over a longer time frame than I want to and will cost me more money to do so. I have never made a payment late or paid less than was was required. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently tried to purchase a new vehicle but was turned down due to several fraudulent accounts and inquiries add to my credit report. I contacted XXXX, Transunion and XXXX  to have the data removed but customer service refused to help me.

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 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: ND

Complaint narrative:
On XX/XX/2019, I faxed a detailed letter ( attached ) to my BarclayCard mastercard 's billing dispute department to file a claim about a {$3000.00} charge that was made to my account as a deposit for services that the merchant never ended up providing. I received a letter from BarclayCard confirming that they received my dispute, would investigate the problem, and resolve it within 45 days. The case number they assigned to my dispute is case # XXXX. On XX/XX/XXXX, I received a voicemail message from BarclayCard asking me to call them regarding my dispute. I called them on XX/XX/XXXX and was told that they couldn't process my dispute because they needed more information. They couldn't tell me on the phone what they needed ; instead I was told they would mail me a letter. I asked them to email me the information, but they refused. I asked to speak with someone else, and the operator refused to transfer me to anybody else. I finally received a letter from BarclayCard last week ( attached ), but it is simply a duplicate of the initial letter that I received from them acknowledging that I filed a dispute and they would investigate and resolve it within 45 days. I called Barclaycard again today, XX/XX/XXXX, to inquire about the status of my dispute. I reminded them that the 45 days had elapsed, I still haven't heard anything from them, and my account has not been credited. I was told by the operator that they closed my dispute because I failed to provide the information that they requested. I told them that they NEVER sent me anything requesting any additional information. The operator insisted that they did and I failed to respond. I asked to speak with the person who was actually investigating my claim and was refused. I asked for them to have the personal actually handling my claim to call me and I still have not received a phone call. 

The merchant in this case TOLD us to file a dispute with the credit card company. All they have to do is contact the merchant and HE WILL VERIFY that he did not perform the work. The charge was made on my son 's card, who is an authorized user on my credit card account. My son is a XXXX  XXXX -- he certainly is not going to file a fraudulent claim. Again, this would be EASILY resolved if BarclayCard would simply CONTACT THE MERCHANT!!!! Instead, they are refusing to reimburse my money by lying and saying that I failed to submit information that they NEVER requested.

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 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: NV

Complaint narrative:
On XXXX, XX/XX/XXXX I called in to inquire about an interest rate reduction.  I was declined.  Discover offered a 12 month interest free purchase promotion which I did not accept.  I called back on XXXX,XX/XX/XXXX to accept the 12 month interest free purchase offer.  I was told it was not available but, my interest rate could be reduced.  I did not not accept.  I called back in XXXX XX/XX/XXXX to complain and was told nothing could be done but, a reduction in my rate was available.  I did not accept and informed Discover I wanted to make a complaint.  They offered to accept a complaint to be presented to a higher authority @ Discover.  I declined.  I asked the rep for the name of an Agency outside Discover I could make a aomplaint to and was told by rep that she had no idea.  I then when online & found CFPB.  So, my complaint is that Discover told me my interest rate could not be lowered.  Then offered me a promotion which they declined to honor & now again are telling me they can lower my interest rate.  At no time did Discover inform me that the Promotion was a one time momentary offer.  They declined to give it to me after I showed interest in it.  This in my opinion is misleading, unfair and disingenuos.  I feel Discover should be bound to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
On my credit report it does not have an opening date, because I have never opened this account and this dept is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAD FILED WITH CFPB ON XX/XX/XXXX19 TO HAVE THE LISTED ACCOUNTS DELETED BY STATING THAT THESE ACCOUNTS WERE " NOT MINE '' AND I UPLOADED MY IDENTITY THEFT REPORT. PRIOR TO XX/XX/2019 I HAD DISPUTED THESE SAME ACCOUNTS AND SUPPLIED AN IDENTITY THEFT REPORT BUT I HAVE NOT RECEIVED INVESTIGATIVE RESULTS REPORTS FROM XXXX, TRANS UNION OR XXXX. 

THIS IS THE THIRD ATTEMPT TO DISPUTE THESE FRAUDULENT ACCOUNTS AND I HAVE ATTACHED MY IDENTITY THEFT POLICE REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been using XXXX XXXX gas rebate card since  1997. Recently, I had entire balance as they were charging very high interest. A few days back they have suddenly reduced by credit limit from XXXX to XXXX. They have not intimated or given reasons. This has caused me undue hassles and put our family in jeopardy.I would like a thorough investigation on this, and do me justice. A card company should be regulated on their actions, they can not arbitrarily affect a consumer.

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 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
They have frozen my accounts for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: MD

Complaint narrative:
I pulled up my credit report and notice a collection debt from Deville Asset Management for $XXXX being reported. I have disputed this with credit bureau but no information has been provided about the account to me. I sent a certified letter to Deville Asset Management and still no response or information about this account. I haven’t received any information nor have I signed any contract with this company. I am unaware of the company. They are destroying my credit with this collection account on my credit report. This needs to be removed off my credit report because I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I'm filing this complaint as per my attorney TransWorld System is in violation of the FDCPA for failure to provided requested document to properly verify alleged debt. 


I pulled an annual credit report in XXXX of XXXX. To find that Transworld Systems is reporting that I allegedly owe a debt from XXXX XXXX. I keep good records regarding medical bills. I have never received any info regarding this account. This is a medical debt from XX/XX/XXXX. 

I disputed this item via all 3 credit bureaus and requested my " signature of the original contract/consent to treat '' to establish the contractual obligation. Understanding medical facilities can make clerical errors in regards to billing. 

XXXX  and XXXX  verified this account 2 times without providing the requested information ( signature of original contract/consent to treat ) nor did they give me anything that would support their verification method as I requested. 

I was out of the country for 5 weeks when I returned ( XXXX ) I did received correspondence via the FCRA request from TransWorld ( XXXX ) however it was a general medical bill not the requested original contract/ consent to treat form. 

XXXX  and XXXX said it was my obligation to reach out to TransWorld System however this isn't my burden of proof to investigate. 

My attorney sent certified letters. Two times XX/XX/XXXX @ XX/XX/XXXX requesting more information specifically " the consent to treat form with my signature '' with failed attempts due to wrong address published on Transworld Systems website which resulted in both being return to sender. 

Another verification letter was sent certified on XX/XX/XXXX to the address provided from TransWorld this letter was received by TransWorld on XX/XX/XXXX. 
It has been well over 30 days and I have not received any response to my request nor has this item been marked as disputed on my credit file. It is currently being reported as accurate. 

This is a violation of the FDCPA and FCRA. 

Please see attached documents Thanks in advance for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Due to XXXX Breach back in XX/XX/XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all 3 major bureaus - experian, XXXX and XXXX.In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX XXXX. They assured me that they will start investigation. At the same time, I've reported such activities to Experian. Experian requested additional documents to proof my point which had been sent to them via USPS XXXX. As of XX/XX/XXXX, literally nothing had been done - these fraudulent accounts still could be seen on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I contacted Suntrust to advised I had been scammed with an online loan company.  They put a block on my account. When I went into the branch the next morning the Branch manager advised Suntrust was closing not only my checking and saving accounts but my sons as well.  They had decided not to do business with us any longer.  Mrs XXXX the branch manager cut up my ATM card in the middle of the branch and advised they would not give me any of our funds from any of our accounts.  I had $XXXX money and I am a single mother of XXXX   at the time that is out of work on XXXX.  When I asked for at least $XXXX  in gas to get the kids to school she advised there was nothing they could do and told me to get out of her branch.  This is all on tape.  I have called every day for 2 weeks and no one will release out money.  It is only $XXXX.  Since this all happened we have had my sons pay check bounce back to his employer and we can’t get that money.  Cell phones have been shut off.  Car payment was late.  I have had to pawn my grandmother jewelry, my jewelry and other items in my house just to pay bills and put groceries in the house.  I also have had a XXXX XXXX due to all of this cause of all of the stress.  I do not have the money to hire an attorney to file a suit against Suntrust.  Everyone has been extremely rude. I have been yelled at and treated like a criminal instead of the victim in this situation.  I had written a check for XXXX work that has bounced and now my XXXX   won’t touch my XXXX.  I also lost a brand new job cause my car was repossessed and I didn’t have transportation to work.  Suntrust has put my family in a horrible hardship over $XXXX  freeze of my accounts! That happened on XX/XX/2019.

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I WAS PLACED AS AN AUTHORIZED USER AND I WOULD LIKE TO BE REMOVE OFF THE ACCOUNT. THE ACCOUNT IS HINDERING THE INTEGRITY OF MY CREDIT AND I WOULD LIKE THE ACCOUNT TO BE RMEOVED AS SOON AS POSSIBLE. PLEASE CONTACT THE FURNISHER TO HAVE MY NAME OFF THE DISPUTED ACCOUNT.

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 2019-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
Claim is for a debt of XXXX allegedly owed to XXXX, from an address I have not lived at for more than 8 years. not sure how my information was obtained but need this to stop. they call multiple times a day. Have demanded proof of debt, which they refuse to send me. Convergent Outsourcing, XXXX XXXX XXXX XXXX,, XXXX   XXXX XXXX, Wa XXXX, is their  physical address, mail address is XXXX XXXX XXXX, XXXX, Wa 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 2019-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
I pulled up my credit report and notice a collection debt from Midwest Recovery Systems for XXXX being reported. I have disputed this with credit bureau but no information has been provided about the account to me. I sent a certified letter to Midwest Recovery Systems and still no response or information about this account. I haven’t received any information nor have I signed any contract with this company. I am unaware of the company. They are destroying my credit with this collection account on my credit report. This needs to be removed off my credit report because I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
We stopped using XXXX nearly 3 years ago and cancelling our account resulted in charges and fees which were very hard to verify. They would sent people to our home to collect equipment and then contact us for payment for unreturned equipment for over a year. The same thing happened with the balances owed. XXXX has sent this to collections multiple times and we disputed it every time asking for proof of the debt. The debt collection company they used sent us proof and then we notified them that it was not a bill or anything we could reconcile showing we owed XXXX for services used. We also provided an updated phone number to that debt collector to reach back out to us when they had some proof. When checking our credit we found that XXXX had changed the debt collector on the account  who we do not show any correspondence from, nor phone calls. I answer even spam calls and they have not reached out one time. XXXX moved this debt from another collector and never updated our phone number, giving us no way to know there was an active collection against us. They are not willing to remove the inquiry from our credit report and to date have not shown proof of the debt. As a company they do not understand that their system is broken and they try to charge consumers for things they do not owe. Like equipment returns. If there are then other payment disputes consumers will be weary to pay what seems to be false charges.After trying to collect for equipment that was returned for a year and then saying we owed money for something a year after we ended the service would seem suspicious to any person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
A complaint is presented to Transunion about the unauthorized inquiry of the XXXX to investigate our credit report for the date of XX/XX/XXXX. We informed you that this investigation was not known and was made with the XXXX car dealer without due authorization. We urge you to immediately eliminate this undue inquiry as it affects an empirical one. We look forward to your quick intervention.Thank you.XXXX XXXX XXXX XXXX Birth day XX/XX/XXXXXXXX XXXX XXXX XXXX Birth day XX/XX/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