vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
So Ive been trying to get into contact with them letting them know this was open without my permission, I have no knowledge of this account and asked if they could remove this account from my credit report, this have failed to get into contact with me to see what can be done, they told me I had a Debt and needed to be paid, like I told them I never heard of your company and Ive been a victim of fraud, and this is hurting my credit score to get a house or credit card, the account number under my credit report is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XXXX XXXX I received a settlement letter to settle and payoff a credit account with Barclays if payment is received by XX/XX/2019 from their attorney. The amount was paid in full on XX/XX/2019 as stated in the letter. The letter stated that it would be fully compromised and settled. 
The letter I paid and settled and account with the attorney as agreed. I sent a request to the credit reporting agency to update the file and on 2 occasions they return at report stating that there was a remaining balance of {$540.00}. It was reported XX/XX/2019, XX/XX/2019 and again in XX/XX/2019. 
The legal document states that the account would be fully settled and compromised. Meaning there would not be a balance owed. Submitted the request to the credit reporting agency has resulted in no change and basically a repeated inaccurate report resent. Reports are supposed to be accurate and I have continued to receive an inaccurate credit 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 2020-01-05 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: Lending Club Corp
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: DC

Complaint narrative:
In reference to CFPB complaints XXXX XXXX In my complaint, I indicated there are inaccurate or incomplete items appearing on my XXXX and Transunion credit reports regarding the account by XXXX XXXX XXXX XXXX Account # - XXXX XXXX  XXXX XXXX, XXXX  DC XXXX And as such the account should be deleted. 

XXXX failed to investigate the complaint in a timely manner ( over 150 days ) and as such the item should be deleted immediately. 

Transunion fained to investigate the complaint in a timely manner ( over 150 days ) and as such the item should be deleted immediately. 

Furthermore, the results of the investigation conducted by XXXX led to the deletion of the account. See below : ( Thank you for submitting your complaint on XX/XX/19 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your XXXX credit report. We initiated an investigation into the items and the results are below : Account # - XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX DC XXXX. The results of the investigation have been mailed to you. If you have any additional questions or concerns in regards to the updates made to your XXXX Credit Report, please refer to the mailed revised copy or visit us at XXXX XXXX XXXX or contact a Customer Service Representative at XXXX. 

Account # - XXXX The results are : This item has been deleted from the credit file. ) As a result I request that the item should be deleted from my report with both Transunion and 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 2020-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
APR is 279.50 % which is over the required limit. 
Withdraw funds from two different accounts when just link to one account to withdraw. 
Monthly payment are expensive up to about {$260.00}. Which much of nothing goes to principle or balance. 
Will not comply with debt consolidation program. 
Lot of negative reviews from people who have been scam even after they paid the complete balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Attention : XXXX XXXX Citibank and the merchant has made false allegations about this disputed transaction. In the letter dated XX/XX/2020, Citibank claims that the services were provided by the merchant - and that the customer arrived after the service had ended for the day. 

These are false statements and hence the transaction remains disputed. Please ask the merchant to provide evidence that the customer " arrived after the service had ended for the day. '' The customer arrived within the promised time and the merchant denied the customer the prepaid service. 

If the merchant is unable to provide any evidence that supports their claim that the customer arrived late, then, please re-open this dispute and rescind the funds from the merchant 's bank. 

Thank you

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 2020-01-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
With respect to CFPB complaints XXXX and XXXX In the complaints dated XX/XX/2019, the following hard inquiries were disputed with XXXX and Experian : XXXX XXXX , XXXX XXXX XXXX, CA XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX In light of the fact that the complaint were filled XX/XX/2019 and to this date a response has not been reported with the CFPB, I hereby request that all the items identified in the complaints be immediately deleted in accordance with FCRA.

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 2020-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I was approved for a loan from PNC, I took the check to a dealership to purchase a used XXXX XXXX XXXX   with XXXX miles for {$16000.00}, with a {$1500.00} trade in and fees included my bottom line price for the car is about {$16000.00} after trade-in, tags, and fees. The dealership accepted the check, and after almost three weeks, PNC notifies me that the loan has been denied due to the car having more than 80k miles, we then head to the dealership for them to get us a loan from their network however their interest is twice as much as what PNC provided us. Upon me doing some research I notice that under terms and conditions PNC does allow financing on vehicles with 80k to 100k miles. However certain restrictions are applied. Right now this puts me and my family in a vulnerable position because, we have a car that we are concerned with driving because we dont know whether we have to return it or not, and if we do return it, we will then need our trade-in back. So this loan denial is causing a chain reaction which is making this buying experience extremely unpleasant. Please assist us in working with the bank to approve the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
With respect to CFPB complaints XXXX and XXXX In the complaints dated XX/XX/2019, the following hard inquiries were disputed with TransUnion and XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CT XXXX XXXX XXXX XXXX Cr XXXX XXXX, MD XXXX XXXX, PA XXXX XXXX   XXXX XXXX XXXX XXXX, UT, XXXX In light of the fact that the complaint were filled XX/XX/2019 and to this date a response has not been reported with the CFPB, I hereby request that all the items identified in the complaints be immediately deleted in accordance with FCRA.

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 2020-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Hello, I attended University XXXX XXXX from XXXX until withdrawing from XXXX XXXX XX/XX/XXXX. Initially, I was encouraged to attend University XXXX XXXX as an option to finish my education online. The representatives of University XXXX XXXX shared charts and data detailing their success rate for Job placement, which made me more excited about the opportunity of enrolling. I went through their XXXX XXXX program, XXXX XXXX program, and Started the XXXX XXXX courses. In hopes of landing a higher paying job. While in school throughout those years. I was not offered one job, not a single offer. The only success I had was accumulating Debt, unfortunately. Clearly, the claims they made about job placement and new opportunity were all false claims. I was even showed data detailing their direct contact with XXXX  XXXX companies. I was unsuccessful in any job placements. This story ended with me {$72000.00} in debt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
XXXX VM from SunTrust of possible fraudulent activity. XXXX saw {$2100.00} purchase at XXXX in XXXX, NC ( I live in XXXX, NC ). SunTrust Customer Service informed me that someone with my name and address called on XXXX at XXXX requesting a new debit card be mailed to XXXX XXXX XXXX XXXX, XXXX, NC. Told Suntrust rep no point in sending a code because also lost cell phone. 
XXXX received card in mail from Suntrust confirmation of address change for 3 of my 4 accounts. XX/XX/XXXX Met with branch mgr who called fraud dept. Told that investigator Denied and closed the case assuming I approved it. 
XX/XX/XXXX wrote rebuttal. XX/XX/XXXX still have not heard from Suntrust and {$2100.00} not restored to my account. XX/XX/XXXX a Good Samaritan in XXXX, NC called to inform me that she saw my credit card/ address/ ph # and many other peoples in the car of a man she knows in XXXX, NC. I filed a police report giving all information and the guys name. 
Suntrust has not been in touch with me since my pursuing them since XX/XX/XXXX. I have been treated by Suntrust Fraud Dept as a liar having to prove that Im telling the truth.

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 2020-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MO

Complaint narrative:
My wife had purchased a gaming system before XXXX from a website which quicky turned out to be fraudulent. We contacted our bank ( PNC ) immediately and once the charge processed we went through with the dispute. After several months the bank has denied our claim and randomly took out the money that was given back to us. They pulled the funds out on a Saturday night so we couldn't reach out and complain or contact them about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : Experian XXXX  XXXX   XXXX XXXX XXXX  XXXX Thank you for your help!!!

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 2020-01-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Accounts on my credit report have not be verified or removed even after dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : XXXX  XXXX  Transunion XXXX XXXX XXXX  XXXX Thank you for your help!!!

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 2020-01-05 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : XXXX  Equifax XXXX   XXXX XXXX XXXX  XXXX Thank you for your help!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 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: ID Analytics, Inc.
State: OR

Complaint narrative:
Hi, There is a lot of old addresses on my credit report. I would like them removed because I am looking to buy a house in the near future. Because of identity theft and other things, I want the old addresses gone and i don't want someone claiming to be me at the old address. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are unverified accounts on my credit reports

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 2020-01-05 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: LEXISNEXIS
State: OR

Complaint narrative:
Hi, There is a lot of old addresses on my credit report. I would like them removed because I am looking to buy a house in the near future. Because of identity theft and other things, I want the old addresses gone and i don't want someone claiming to be me at the old address. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I would like to report violation to validate debt while keep calling and start engaging 3rd party collector for the same debt. 

What happen : Sometime XXXX XXXX, I have received later from debt collector " Credit Corp Solutions , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, XXXX Regarding alleged debt : Original Credit : XXXX  Original Account : XXXX Current Creditor : Credit Corp Solutions Balance Outstanding : {$1200.00} Reference Number : XXXX Consumer responded to debt collector Pre-Legal Notice letter from XX/XX/XXXX in referenced to : XXXX with request to validate debt as of XX/XX/XXXX. Request for validation is sent via certified mail and as of XX/XX/XXXX, Credit Corp Solution have received my request. 

As of today, XX/XX/XXXX, I have not received validation of debt while collector started engaging XXXX part collector to represent them. Debt Collect ( Credit Corp Solutions ) employing another 3rd part collector ( XXXX XXXX XXXX XXXX ) to collect on Credit Corp Solution behalf while my original request for validation has never been answered. 

On XX/XX/XXXX, I received letter from XXXX XXXX XXXX XXXX stating that they represent Credit Corp Solutions Inc. in connection with the above stated account. I do not intent to engage with XXXX XXXX XXXX to discuss this matter while my original request for validation is not answers. 

While this case is been submitted I intent to contact the FTC, State 's attorney general and national XXXX and file complaint. 

Please see attached received latter and my request for validation. 
Pre-Legal Notice from Credit Corp Solutions Inc . 
Request for Validation Certified Mail Confirmation 3rd Party Collector Letter ( XXXX XXXX XXXX XXXX ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have four store cards under Comenity Bank and everytime I turn around they are lowering my credit limit. They send you an email alerting you to check your message on the store card website of important changes. I have XXXX XXXX which was {$600.00} is now at {$200.00}, Roamans {$300.00} is now {$100.00}, XXXX XXXX {$250.00} is now {$100.00}. I can see if I was struggling to pay the bill, but they constantly doing this whenever there is a change in your credit score, I.m getting sick of this. I also have a Bonton which the store closed and went into bankruptcy and the interest rate is still high. They should not be charging interest rate if the store went under.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: UT

Complaint narrative:
A second XXXX account was listed on my credit report for the amount of {$580.00} in collections. I called XXXX they said this was an old account from 2015 and it was sold to XXXX XXXX. XXXX XXXX  said this account was sold to Attorney XXXX and XXXX, XXXX otherwise known as XXXX XXXX XXXX. I called the attorneys and spoke with them and they said this account was old and should not show on my credit report. I started a dispute to finally have this removed from my credit report. XXXX  and XXXX  have removed this from my credit report but Experian still has this on my report and they do not even have the Original date of 1st delinquency or all the correct facts of this account on my latest report from Experian. I will submit documents that prove Experian is using incorrect information on this account and it needs to be removed from my credit report just like the other credit bureaus have removed it.

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