vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-05 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: IL

Complaint narrative:
The three accounts below have a wrong balance. 


1. XXXX XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017

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 2019-01-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The three accounts below have a wrong balance. 


1. XXXX  XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I am trying to work out a payment plan to be able to pay off this debt. The company refuses to work with me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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:
On XX/XX/XXXX, I applied for a loan online from MoneyLion. The loan amount is XXXX which they were able to deposit into my XXXX checking account using my debit card information. On XX/XX/XXXX they were supposed to make a payment of XXXX using my same card. This should not have been a problem. In fact, this payment should have posted within seconds. I had more than enough to cover this transaction and I pay attention to everything in regards to my account. 

This morning, I woke up to check the status of the payment that should have been posted to my account several days ago. Well here is the result! The payment was never processed because they claim they had the wrong account information! I know my routing number and checking account number and I had this account from when I was an employee at XXXX. I also worked with reconciliation so I do pay very close attention to number especially what is due, what checks or direct deposit are being deposited for services I provide with various vendors. Now, they are claiming this loan is past due. I was livid this morning because I feel that MoneyLion is taking advantage of my situation by making the assumption that I do not pay loans on time. I'm saying this because my credit score was at XXXX based on the derogatory information reported by yours truly XXXX XXXX and XXXX. I will be filing a complaint about those two in a minute. Also, MoneyLion claimed that the loan that I borrowed from them would not affect my credit score. Guess what! When I accepted the loan, my credit score dropped down to XXXX. Also, they tend to inflate the amount of your expenses on their app. I thought MoneyLion was there to help consumer but I see they take advantage of people situation by not being honest!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
Around XX/XX/2018 I discovered some medical debts on my credit report when I was purchasing a car. I called the XXXX XXXX XXXX Georgia who in turn stated they had not sent any debt to collections in my name. So I contacted the collection agency and informed them I had no knowledge of the debt and provided them with the information that I had received from the hospital. The collection agency 's name was XXXX XXXX who concluded that the debts were fraudulent. All three debts were removed from my credit reports due to fraud. The amounts were XXXX, XXXX, and XXXX. The collections were all removed XX/XX/2018. 

I have now discovered after purchasing a credit monitoring service that another collection agency called Commonwealth Financial has placed the same collections back on my credit reports. I contacted the XXXX XXXX XXXX Georgia who stated they did not send any collections to this agency and another rep advised me this time to file a complaint and seek legal advice. I have never heard of this collection agency nor did they contact me regarding the debt, if they had they would have know that the debts are fraudulent. I am so tired of these collection agencies just placing collection on consumer reports and violating the XXXX. XXXX XXXX is clearly trying to collect on debts they do not own and clearly can not properly validate, damaging my credit as well. 
I am looking into legal advise for defamation and violation of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed and corrected information on my XXXX file successfully but I can not get dispute information to XXXX and Experian. I am trying to buy a home and I need these files to reflect the same or similar to my XXXX file.

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 2019-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX issued me a loan of {$2500.00} XXXX in XXXX had me sign an electronic signature and went through everything fast and in the middle of the store for everyone to see. I did not notice the 152 % interest when I signed and was not told that was the rate. This is a violation of heart laws and should be stopped. I will pay {$8000.00} for a {$2500.00} loan. This is ridiculous. They also were suppose to debit the first 3 payments and have yet to do the first one which was due on XX/XX/19 this is the XXXX. I cant reach anyone when I call the number. Please investigate this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I placed a security freeze on my Equifax credit file, and received written confirmation by mail that the freeze took effect XX/XX/XXXX. -- -- -- While applying for a loan, I placed a TEMPORARY lift on the freeze through the Equifax automated phone system ( XXXX ). The lift was to be effective XX/XX/XXXX through XX/XX/XXXX. 
-- -- - On XX/XX/XXXX I attempted to confirm that my security freeze had been reinstated and is currently active. Equifax provides no way, through their web site or their phone system, to simply verify if a credit freeze is in effect, or if a temporary freeze has been properly reinstated. ( The other two credit bureaus make this info very easy to obtain through their web sites. ) In frustration, I called the automated number and was informed that a temporary lift was currently in effect -- this was 3 months after the freeze should have been reinstated. The automated system told me I could place a new temporary lift that would replace the currently effective lift. I did so, making the lift effective XXXX thorough XXXX, and received a confirming email from Equifax. I called the automated number again today, XX/XX/XXXX, and was informed by the automated voice that my credit file freeze was still temporarily lifted. -- -- - After considerable searching, I found a " Customer Care '' number for a live representative ( XXXX ). The representative was polite and patient, although her sub-continent accent ( XXXX? XXXX? XXXX? ) made communication difficult. The difficulty was increased by at least two other nearby call center reps who's conversations I could clearly overhear. Apparently, Equifax spares every expense possible when it come to " Customer Care ''. I was assured by the rep that my credit file freeze has now been reinstated and I should receive written confirmation via USPS mail within five days. I can't say I'm confident. -- -- - My complaint is this : Equifax 's poor security measures caused the credit report crisis, why are they not being forced to provide a user-friendly system to place, lift and verify the current status of a credit freeze? XXXX XXXX and XXXX   provide that service, and presumably -- like Equifax -- still make a great deal of money trafficking everyone 's vital financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed and corrected information on my XXXX file successfully but I can not get dispute information to Equifax and XXXX. I am trying to buy a home and I need these files to reflect the same or similar to my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
In the beginning of XX/XX/2018 I discovered some medical bills on my report that I had no knowledge of. I called and was informed just to dispute with the credit bureaus. I did that and the collections were removed from my report In XX/XX/2018. Well I recently purchased a credit monitoring service and I have discovered that the same collections that were removed by XXXX XXXX XXXX due to possible fraud has been placed back on my reports by another collection agency called Aargon Agency.

First off Aargon Agency is reporting they obtained the debt XX/XX/2018. How is that even possible when I was still disputing the debt with XXXX XXXX XXXX and the debts were removed XX/XX/2018. Secondly Aargon Agency never contacted me nor gave me the opportunity to dispute the validity of the debt, which is my right as a consumer, had they did their due diligence they would have known the medical debts did not belong to 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 2019-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GreenSky, LLC
State: VA

Complaint narrative:
On XX/XX/2018, I called and made a complaint to GreenSky about the late posting of my payment, sent on time ( I have proof ). I received a form letter dated XX/XX/2018. To date the issue has never been resolved, I have called consistently every month, and most recently spoke with a manager named XXXX. Who in turn did not solve the issue. By GreenSky posting my payment late each month they debit a late charge, I call, they remove. Recently I sent a check # XXXX in the amount of {$100.00} mailed on XX/XX/2018. At the end of XX/XX/2018, I called a total of 4 times. Because my credit is important I then mailed a check in the same amount Certified Mail, Return Receipt on XX/XX/2018. Today the RR has not been returned. So I have 2 payments sitting in AXXXX XXXX and not posted to my account. I just received another invoice. They refuse to find out where the checks are and the manager said, " they go to a lockbox and we have a lot of customers. '' Well, most businesses ; payments go to a lockbox and all of my creditors ' cash within 5 days of receiving. I spent {$6.00} just to send Certified Mail, so it is costing me more. The other issue is the billing increasing payment interest contrary to our signed agreement. I really need assistance. I wish to have my payments posted in a timely manner, Customer Service responses other than giving me the run-around. I sent an email to corporate to the attention of XXXX XXXX, CEO no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I fell behind with my mortgage payment during the years of XXXX and XXXX. I worked with the mortgage company, ( Bank of America ) and received a loan modification. However by the time the modification was approved, I owed Bank of America about {$14000.00}. Its roughly 5 months behind in our mortgage payment. This amount is not subject to interest or penalties. However, I was informed by the Treasury Department that bank of America received a bailout from the government for all of these modifications. I think Bank of America has received payment from the government for my {$14000.00} and they are still holding me liable for this amount. Please investigate the reason why I still see this amount on my mortgage statement every month since the modification has been approved and Bank of America collected funds from the government for mortgage modifications.

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 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had XXXX dollars taken out of my account over 2 days. I did not complete these transactions. I did not have my card on me. It was either taken or lost. I filed multiple reports with the bank on XX/XX/18, XX/XX/18, and XX/XX/18. These were denied. I filed a police report on XX/XX/18. I was told there was insufficient evidence to prove I did not withdraw the money out myself. I asked them several times to check the ATM cameras to see that it wasnt me completing the transactions. I filed 2 complaints with the XXXX XXXX XXXX  and finally got a response from the bank. After tge first complaint I was told by the bank that a male was seen on camera making the transactions. I am not nor have I ever been male. But I was told it was someone familiar to me and that the claim was being denied. They did not show me pictures of the male in question so I have no idea who it could be. I am being told over and over again that I am responsible for transactions I did not approve or complete. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
The truck I leased was sold and Im still required to pay the full amount owed

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 2019-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I went to pay off the entire balance of {$780.00} on XX/XX/18. The payment due date was on XX/XX/18. I was assessed a late fee, but what caught my attention was a finance charge of {$16.00}. According to my monthly statement, of which the closing date was XX/XX/18, my previous balance was {$610.00}. The interest on this card is 26.99 %. The " balance subject to interest '' amount was {$720.00}. I XXXX at math so I can't figure out how that interest rate was assessed nor how that particular " daily balance '' was calculated. When I inquired and asked for a written mathematical explanation of this I was told the same thing every time. The only way to avoid a finance charge is to pay the balance by the due date. I paid over my balance so I could pay off the entire card after the payment due date but before the statement closing date. 
Like I said, I XXXX at math, but these numbers just don't add up for me so to speak. I don't like questionable charges. So I'm hoping you will get a straight answer or can provide one for me that explains where the numbers come from and how it all adds up, from why the payment due date is different from the statement closing date, ( which is an after thought ), and with a mathematical explanation, exactly how the " daily balance '' is calculated in concerning assessed interest. 
I have attached numerous files, for reference but also in the event you find something I missed in terms of questionable charges. The unnumbered XXXX pdf and the questionable finance charge are the two related specifically to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB please investigate the reporting practices of Equifax and XXXX enclosed are News letter s showing cases against Equifax for misuse of reporting I have been stating that they are playing games and stalling please use my information to do this investigation enclosed I want to show a pattern of how they refuse to comply with the law and make up there own manipuliating consumer credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I opened the checking account with HSBC and was approved on XX/XX/2018 under the promotion that I would receive a bonus of {$350.00} for depositing {$10000.00} for 90 days. I deposited to money on XX/XX/18 and have kept the money in it. I have fulfilled the terms and the bank didn't pay put the bonus. It has been almost 3 months since I fulfilled the terms

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Ocwen loan Servicing. On XX/XX/2016 I had a fire in my home that caused substantial damages to my property. Ocwen loan fail to pay the contractors in a timely manner, causing me to be out of my home for 2 yrs. Ocwen breach of contract due to not being commitment in the contract. Ocwen valid the contract in my Insurance policy. Ocwen caused me and my family a lot of hardship moving to different places for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Flagstar Bank, National Association
State: FL

Complaint narrative:
My XXXX XXXX XXXX XXXX Account XXXX XXXX was bought out by New York Community Bank ( NYCB ) My XXXX  Passbook Savings Account does not exist in their records, not nice or right, and why? 
Monthly or even quarterly statement are never mailed to my home. I have resided at the same location for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: MI

Complaint narrative:
I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of  documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan, credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about XXXX, Experian, and XXXX Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX 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