vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 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: MoneyLion Inc.
State: VA

Complaint narrative:
Igota{$500.00}loanfrommoneylioninXX/XX/XXXX.IagreedtopayweeklyonFridays.MidXXXXIhadfraudissuewithmybankaccountsomyaccountwasdelinquentuntilifixedittowardstheendofXXXX.DuringthesecoupleweeksMoneylionwouldnotletmepaymyweeklypaymentwithanotherformofpayment.SoIhadtoputastoppaymentsoiwouldnotkeepgettingfeesfrommybank.OnceIhadmyaccountbackinorderItriedtoresumeXXXXpayments.For2weeksinarowmyattemptstopaygotrejected.Itwasverydifficulttogetincontactwithapersontofigureoutwhatwasgoingon.OnceIfinallydidmypaymentsresumed(XX/XX/XXXX)excepttheytoldmemyloanpaymentswouldberestartedsinceIhadmissedafewpayments,whichIthinkisunfairbecauseIdidcontactthemtotrytopay.For4weeksfromtheendofXXXXtomidXXXXImissedpayments(XX/XX/XXXX,XXXX,XX/XX/XXXX,andXX/XX/XXXX).SinceXX/XX/XXXXIhavebeenmakingmypaymentsweeklyastheyaredraftedoutofmycheckingaccountasacheckeveryThursdaynowfor{$9.00}.MycreditreportcurrentlysaysthatIam120-149dayspastdue.IhavecalledMoneyLionaboutthistheytoldmeIwouldjusthavetodisputeit.Ihavedisputeditseveraltimesofdifferentplatformsandmyaccountcontinuestonotbeupdated.ThisisreallyhurtingmycreditscoXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
Phoenix Recovery Group is still reporting incorrectly to XXXX  and XXXX. The collection company had agreed to delete these line items in XXXX, 2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
My American Express business card has a {$20000.00} limit and is used to make almost all of my business purchases. My current APR is 13.49 % and I generally carry a balance month to month. On XX/XX/19, my statement had a notice of APR increase an additional 5 % effective XX/XX/2019. This increase would be on all future purchases, and retroactive to my ENTIRE BALANCE at the new rate of 18.49 %. 
I immediately called Amex and told them that I believed this to be in violation of the CARD Act of 2009, since I am not and have never been late in payments, and I know my credit score is well above 800 points. The customer service representative said that it was due to my credit scorXXXX and what other accounts are paying. All he could do was to file an appeal. I did appeal and somehow immediately won the appeal, so this change will not go into effect on my account. The representative assured me that American Express would not act illegally. 
How many accounts are they doing this to? Are less informed people getting duped by American Express?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
On XXXX, XX/XX/2019, I received multiple calls to two of my cell numbers. Called from a number XXXX, XXXX and XXXX. Left a voicemail with name of XXXX XXXX at XXXX ext XXXX. 

I did not provide the caller with my telephone numbers or receive a letter. Research the number on XXXX and saw multiple reviews of other consumers stating issues with this scammer. 

I.E. : XXXX XXXX XXXX reviews a month ago They had my phone number associated some delinquent account & they kept harassing me about a debt that wasnt mine. I tried calling back to speak to a supervisor & they NEVER answer the phone from XXXX XXXX XXXX 5 months ago So does you office close at XXXX XXXX or earlier on Fridays? I've been calling since XXXX XXXX and I'm getting a office closed voicemail. 


XXXX XXXX 11 months ago I set up my payments with them at the beginning of XXXX, the lady I spoke with was very nice she gave me a compliment and she was helpful with giving me details. I called in today XX/XX/XXXX to cancel my payment for the XXXX and start back on More 1 XXXX XXXX 3 weeks ago Very rude XXXX XXXX a year ago- Scam place do not pay! Currently in a lawsuit against them. They do not report to credit bureaus 2 XXXX XXXX 2 months ago I am being HARRASSED!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of American charged me three {$35.00} dollar NSF charges for items that went through just before midnight on XX/XX/2019 but were still processing. Early morning XX/XX/2019 I deposited the funds to cover the checks that were processing. I called Bank of American and spoke to a representative and a manager to see if the NSF fees could be removed as I am a customer of 30 years and the checks were still processing. They refused stating that the funds cleared on XX/XX/2019 just before midnight. I have a  screenshot of my bank screen and the only things showing cleared are the three overdraft charges of {$35.00} dollars each. I was told by both the representative and the manager that there was nothing that they could do. The fees have not been paid out by Bank of American and the funds are there to cover those charge, so Bank of American is out nothing but as a consumer I am out {$100.00} dollars. If a fraudulent charge hits my bank I'm told there's nothing that can be done until it clears, but they will charge me three over draft charges while things are still processing even though there is now enough money to cover the checks. This may be legal but it is abusive to the 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 2019-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
Ally bank took over GMAC. XXXX I paid off my 2009 XXXX early as I purchased it in XXXX brand new from a dealer in Idaho. I have copies of my last 9 checks and they are made out to Ally Bank and cashed/deposited to Ally Bank. I have called Ally bank 9 times and they refuse to give me my lien release. They say only the dealer can be sent the title when I in fact paid directly to Ally bank. They have sent me 4 letters they say I paid off my car. That is not enough for the state of Montana to change the title. The state of Montana needs an actual lien release. Through my 9 phone calls I was told only the dealer could be sent the title. Which they had some dealer in North Carolina as the dealer when in fact I bought the car in Idaho. They lie to me and tell me they are sending the lien release when in fact it is not, it is the letter stating that I paid off my car-four times they lied and sent me this letter. I started this process on XX/XX/XXXX and it is now XX/XX/XXXX and they are still being dishonest, in error sent my title to someone in North Carolina and I have no options as they will not help me at Ally bank. They are required by law to send me a title released of the lien and a lien release to the state of Montana. Which they have done neither and are breaking the law. They are also required by law to assist me when I paid them off and they are not. I have gathered I am not the first to struggle with Ally bank in this regard. Many have had to retain a lawyer to get a simple lien release. It is has been almost 7 years and they have 90 days to get me my title/lien release and they refuse.

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 2019-05-15 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES is the debt buyer of which I do not have a contract with. Nor was I ever properly served to offer the opportunity to dissolve this account. During this time period indicated on my XXXX account the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been almost seven years reaching the statute of limitations. I am hopeful that you are understanding of the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had a debt with Amazon/Synchrony Bank. The amount owed is indispute based upon amazon 's rejection of prior returns, without any notification of what the returns concerned. 
I also was charged an amount in excess of the quoted Amazon amount. I would like a current balance so I can timely make payments as I always have and that the 3 Credit Reporting Agencies be advised payment is current or disputed.

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 2019-05-15 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: TX

Complaint narrative:
XXXX XXXX XXXX is still reporting incorrectly to XXXX  and Transunion. The collection company had agreed to delete these line items in XX/XX/2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.

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 2019-05-15 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: TX

Complaint narrative:
XXXX XXXX XXXX is still reporting incorrectly to Equifax and XXXX. The collection company had agreed to delete these line items in XX/XX/2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
Money ( {$2400.00} ) was sent to the Google Wallet of my father ( who is deceased ) on XX/XX/2019. Google has locked this account and will not allow deposit into the linked bank account. As personal representative of the estate, I have provided documentation showing my authorization to act on behalf of the estate and deposit the money into the account. Despite numerous emails requesting a status update on the disbursement of the funds and closing of the Google Wallet account, I have yet to receive confirmation that the funds have or will be disbursed or a timeline for disbursement.

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 2019-05-15 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: GA

Complaint narrative:
I have disputed a medical bill on my credit report through Transunion several times over the last few months. The medical bill was placed on my credit by XXXX XXXX XXXX. I made Transunion aware of the fact that I was a Medicaid recipient and therefore did not owe the bill because by law I can not be billed as a Medicaid recipient. 
They did absolutely nothing about it and stated that it was staying on my credit. I don't believe Transunion adequately investigated the matter. If they had done anything more than a cursory investigation, they would have realized that XXXX was illegally attempting to collect the debt. 
XXXX  account number : XXXX This is regarding the medical bill on my credit report for XXXX XXXX. The DOS for this bill was XX/XX/2014. I am including a copy of proof of medical coverage for the DOS.

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 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
During this time, the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments and my dental coverage was dropped.My credit was greatly effected from these events. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situations. It is almost seven years reaching the statute of limitations. I am hopeful that you are understanding of the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of five to recover and remove this account from all three report.My husband as since lost his job we have been climbing back slowly ever since

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I went on the " XXXX XXXX XXXX '' website and was referred by General Motors/XXXX to XXXX XXXX. I took the vehicle home on the advertised, `` drive our car for 3 days and if you don't like it, return it without every purcharsing policy. 
I attempted to return the vehicle on XX/XX/2018, the day after I took the vehicle home and was not satisfied with it. General Motors/XXXX and their agent XXXX XXXX signed my name to a fraudulent sale, in violation of laws of the State of Michigan and United States Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: CA

Complaint narrative:
Transunion is reporting incorrectly that I am 60 days past due on the WFDS/WDS partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Deposited {$40000.00} at Citizens Bank in XXXX, MA, Saturday, XX/XX/2019 on a check written on a XXXX account from a large foundation to my non-profit organization, XXXX XXXX XXXX. I was told that the funds would be on hold until today, Wednesday, XX/XX/2019. 

When I went to withdraw the funds today, I was told by Citizens Bank that they were placing a hold on my account until XX/XX/2019 based on non-verification and release of funds from XXXX When I went to XXXX today, they gave me a written document showing that the funds had been released to Citizens on Monday, XX/XX/XXXX. 

When I returned to Citizens today, I was told that they could not correct it or release the funds. The Regional Manager has been told about this and is supposed to contact me, but has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: IL

Complaint narrative:
I have contacted Equifax so many times to have these accounts removed from my credit reports. I have filed a police report & Identity Theft report to prove that these are not mine. The Dept of Ed/XXXX accounts listed on my credit report do not belong to me in the amounts of {$5000.00}, {$4300.00}, {$3100.00}, {$6700.00}. These are also inquires that I have not applied for or authorized to have anyone access to my credit report XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 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: Southern Auto Finance Co
State: FL

Complaint narrative:
I was never givin any notices on the difency of the sale of the automobile and have sent 2 verification letters dated XX/XX/XXXX and XX/XX/XXXX have recieved no response tryd call to get a fax number just kept getting transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: TN

Complaint narrative:
Recently received Trial Payment plan for a mortgage modification from my servicer Home Point Financial. The modification payment is incorrect because my escrows were not figured correctly. I have changed my homeowner insurance to lower the premium. The new insurance was sent to my servicer so they would update my escrow account to reduce my monthly mortgage payment. 
Please adjust my mortgage payment for the correct payment including the correct amount for my escrow. I don not want to sign the Modification agreement dated XX/XX/XXXX because the payment is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX I was with XXXX for 5 years and have never been late. XXXX XXXX XXXX has refused to REMOVE AND stop reporting " LATES '' on my credit report. I have never been pass the grace period as u will see reflected, my payment was due on the XXXX monthly and needed to be reflected by the 10 day grace period. I was never notified of the alleged XXXX late payments for my XXXX XXXX XXXX vehicle in XXXX and XX/XX/XXXX. As you will see they were paid on XXXX and XXXX which means they were paid on time. I am asking XXXX to remove the late entries, they are taking advantage of young adults wanting to purchase homes due to not having a financial relationship with them any longer. I pulled my credit report on XX/XX/XXXX, XXXX and Equifax reporting late twice in XXXX for XXXX. I will protect my credit at ALL costs. XXXX Customer Service @ XXXXwas extremely rude and stated " We are not going to remove anything ''. I am asking we resolved this conundrum for I am trying to better myself and XXXX is prohibiting. I do not want this to happen to anyone else. Shame on XXXX ... 

Taken Advantage of, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
Sent verification letter to Deville Asset Managment on XX/XX/2019, never recieved verification on Debt. Wrote original creditor XXXX XXXX and the sent letter back saying they had no information on me.

Company response to consumer: Closed with explanation