vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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: Kriya Capital, LLC
State: KY

Complaint narrative:
The issue I am having is with a debt collector reporting on my credit, by the name of Credence Resource Management. They reportedly bought the debt from XXXX XXXX The issue with this is, that it was a joint account ; and the amount due was for a payment on new smart phone devices that were signed for and had the signature of the other person on the account. I went to the XXXX store at the time it was added to my bill, and fought with XXXX, because I was closing out the account with this person. We came to an agreement I would pay the cancellation fee of the account which was {$600.00}. This happened in XXXX of 2016. They agreed to take my name off of the account once I paid the cancellation fee, and put the remaining balance in the amount of {$2700.00}, in his name ; since the signatures for purchasing the devices was his signature. I am not responsible for this debt, I payed XXXX what I owed, and my name was to be taken off the account. Please remove my name from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I would like to bring your attention to a serious issue I have with Kraken wires that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing Kraken 's services in the total amount of XXXX GBP!, I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Kraken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I continually am getting calls from a debt collector on payments that I do not owe. The company is claiming to be Credit Systems International and calling from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: PA

Complaint narrative:
For the past few months, I've been writing letters to Penn Credit requesting verification of this account. I even filed a complaint with you last month asking you to enforce my right to dispute and receive validation of the debt. I have received no response at all from Penn Credit, and now I know why. ALL the mail that I've sent to them was returned to me, in bulk. ALL of it. They moved, and they did not update their address with the credit bureaus, which is a requirement under the FCRA as they have to report 100 % factual information to the bureaus, if they are going to report at all. They have violated my rights granted under the FCRA, FDCPA, and FACTA, all by reporting incorrect information to the credit bureaus! Last month, I demanded justice, this month, I make the same demand. FIX THIS NOW! I have attached a credit report from the credit monitoring service that I am enrolled with, which clearly  shows an address that they are no longer receiving mail at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: OH

Complaint narrative:
XXXX XXXX has made an incorrect item report on my credit report. I was not an authorized user on the account as XXXX credit was sold to XXXX XXXX. There is no contact at synchrony any longer to have this issue taken care of in regards to a XXXX credit card. As I call XXXX XXXX there is no evidence as me being an authorized user on the XXXX credit card. They are unable to remove the item from my credit report. I made a dispute on my equifax.com in XXXX and it is still pending. I need some direction as to how to get this taken care of and cleaned up as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
Overtime I received invitations from OneMain Financial to apply for a loan. Many communications have stated that I was prequalified. On XX/XX/2020 I applied online for a loan with OneMain Financial and received an email stating that I was approved, based on verification of my identity, address, and monthly income. I verified this information online and over the phone with a local representative. I also provided a copy of my drivers license showing the photo as requested. After several phone calls with the local representative I was told they could not provide me with the loan because of my financial situation. During the calls, the rep asked what I needed the money for and I explained that I was pregnant, due to give birth in a few days, and wanted to pay down some credit cards. This is when I was told they could not provide me with the loan. To date I have not received a notice stating the reasons I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
I have been constantly dealing with my mortgage company on a misapplied payment that took place in XX/XX/XXXX. Needless to say I have been calling constantly, and have been passed off to several departments and individuals. Each time I finally get an individual, they promise they will follow my issue to resolution. Needless to say, this has not happen, being the last and most current person I started communicatimg with in late XX/XX/XXXX. Still no resolution! 
During the time since XXXX working on a misapplied payment, they verbally admitted to me that my Homeowners Insurance was cancelled in error by the company. This was confirmed from the agent I'm working with now. He admitted to this error after listening to recorded telephone calls. He assured me he would resolve this issue, along with the missing payments. 
I have received numerous promises for call backs, even given specific dates and times he would call. Last promise date was last week, my last call was Friday XX/XX/XXXX, the CS agent stated she would contact him my email for a return call to me since he was put of the office, again no call back to date. In addition, I have sent WQR, and the have not received responses as back to me legal time frame. Please assist me in getting these issues resolved. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a derogatory remark on my credit from Bank of America, which states that I have a delinquent account with them even though the account was paid in full as of 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 2020-03-03 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I paid my lease off and was told that I would receive an invoice for going over on mileage or any repairs. Once I received that invoice, I paid it within the following week. I then noticed that the last payment was reported to my credit as a late payment. I have reached out to the many times now and they have confirmed that it was never late and that the late payment would be removed. They then would send me a letter stating that it was never late. That was XXXX and I have reached out to them multiple times to let them know that it was still there and they have done nothing. Now today, I was told that GM Financial has advised the bureaus not to accept the letter that THEY sent me stating that I have never had a late payment on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 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:
Both of these accounts XXXX XXXX XXXX  XXXX acct # XXXX and XXXX XXXX  acct # XXXX are both reporting on EQUIFAX and not reporting on the other 2 bureaus ... ..you can see the major disparity between the credit scores of all 3 bureaus ... ..EQUIFAX is notorious for breaking the FCRA and not abiding by any rules or laws set in place to protect the consumer. XXXX XXXX should not be reporting ... .it was closed due to fraud and EQUIFAX just recently reported it 30 day late ... .XXXX XXXX is also a fraudulent account that EQUIFAX stated would be deleted per a recent complaint yet they are still reporting in on my credit report, no it is not an active an account but the negative account history on EQUIFAX is still there. BOTH of these accounts should be deleted immediately. I am in the process of retaining an attorney and pursing legal action. I was also a victim of EQUIFAX 's security breach. Please do the right thing and remove both of these accounts. See previous response to CFPB from EQUIFAX in regards to the XXXX XXXX account ... ... it was found to be fraud ... and they agreed that it should be removed yet they never removed it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have been with freedoms mortage for years by force, being they brought my loan out from my prior bank. When the interest rates dropped I decided to refi and that it would be easier to do it with my current bank instead of switching. Freedom mortage processed my request and they scheduled me for closing after they ran all the necessary things. I took off work and spent money to get to where the closing was and no one showed up. It was cancel on freedom mortage part and no one reached out to me. I called them and the apologized and second one for the follow week and assured me that they will get everything resolved and then no one showed again. They claim it was an issue with texas and the funny part was no one in texas had an issue with refi. The paper work was processed a month later. They ran my credit again when it was not needed and lowered my credit score. That was a negative impact and for the I'm sorry they mailed me a XXXX   caller gift card. Now the did not pay my taxes and I am getting collection notices and another negative impact on my credit and I got late fees. This is not fair and they have impacted me twice on a negative note and have not made it right

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 2020-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: GA

Complaint narrative:
My mortgage switched from my original lender/servicer to a new servicer - Mid America Mortgage - on XX/XX/XXXX. 

I had made my XXXX mortgage payment on XX/XX/XXXX to my original lender, but they transferred that payment along with the loan to the new servicer. That payment was lost in the shuffle and Mid America didnt find/apply the payment to my account until XX/XX/XXXX. My account with Mid America wasnt active until XX/XX/XXXX and, despite several attempts to pay online and over the phone, they were not able to process any payment attempts until it was active in their system. On XX/XX/XXXX, I paid the XX/XX/XXXX and XX/XX/XXXX payments at once. Because of this, neither of those payments were applied in XXXX and I am not getting any credit for the XXXX, and XXXX payments on my XXXX taxes. 

Additionally, my property taxes were due on XX/XX/XXXX, in the amount of {$2400.00}. It also was lost on the shuffle and it took my calling Mid America several times to get them to pay the amount from my escrow account. Again, this payment was not applied to my XXXX taxes. More importantly, the escrow amount they were claiming they received was not accurate. They said they would looking into the issue and call/email me to confirm the correct amount. I never received a call. 

The other issue is that the customer service reps at Mid America do not seem to have training and I only seem to get anything accomplished when I connect the customer service representatives from my previous lender with the new service reps at Mid America. And to get in touch with Mid America I consistently have to wait on hold for 1-2 hours before speaking with anyone. Only to be disregarded, told its another department ( which Im not allowed to speak to directly ) and promised a follow-up call from them, which I never receive. Im so sick of dealing with their ineptitude, sitting on hold, and not getting help. And I have zero control over who services my loan. This is a such a frustrating company to communicate and work with. And they have dropped the ball so many times. This is my first mortgage on my first home and the bottom line is I cant trust them to provide quality service or keep accurate records of my payments, escrow amount, or even to make payments on my property taxes on time. Someone needs to kick them into high gear. Its also worth noting that they openly admit that Im not the only customer experiencing these mistakes and my previous lender is getting quite a few complaints from borrows whol theyve transferred to Mid America. I need your help! We all do!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: MD

Complaint narrative:
I mailed a certified dispute letter to Equifax, and XXXX, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both Equifax and XXXX  mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date of last payment is inconsistent and inaccurate, along with the date of last active. I've made attempts to get in contact with XXXX XXXX to resolve the correct amount owe and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolve, I looking to file civil suit because this clearly violate the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: MD

Complaint narrative:
I mailed a certified dispute letter to XXXX, and Experian, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both XXXX  and Experian mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date of last payment is inconsistent and inaccurate, along with the date of last active, and comment section says two different reason for account delinquency, which is miss leading and deceptive. I've made attempts to get in contact with XXXX XXXX XXXX to resolve the correct amount owe and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolved, I am looking to file civil suit because this clearly violate the Fair Credit Act.

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 2020-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: KS

Complaint narrative:
my chp XXXX bankruptcy included a loan from moneylion which was discharged. since I filed for the bk the company has been charging me {$10.00} for this moneylion plus membership that was a non negotiable surcharge in order to obtain the original loan. I have once already complained to this company that they were taking bi weekly payments out of my check for the principle and interest of the loan while I was in the bankruptcy and they therefore refunded the transactions that occured during the automatic stay of relief. However this MONEYLION PLUS MEMBERSHIP FEE IS A HIDDEN CHARGE THAT THE COMPANY IMPOSES IN ORDER TO OBTAIN THE ORIGINAL LOAN AND SHOULD HAVE ALSO BEEN STOPPED, WHICH MONEY LION HAS FAILED TO CEASE COLLECTION UPON AS OF XX/XX/2019. I request that money lion returns all of the funds collected from my XXXX XXXX account DUE TO THIS MONEYLION PLUS MEMBERSHIP TOTALING {$150.00}, as of XX/XX/2019 and IMMEDIATELY CANCEL THIS MONEYLION PLUS MEMBERSHIP WHICH WAS THE ONLY WAY I WAS ELIGIBLE FOR THE ORIGINAL LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: CO

Complaint narrative:
Equifax is reporting incorrectly an account where I am shown as an Authorized User on XXXX  XXXX - part account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Both of these accounts Capital One Bank Usa acct # XXXX and XXXX XXXX acct # XXXX are both reporting on XXXX and not reporting on the other 2 bureaus ... ..you can see the major disparity between the credit scores of all 3 bureaus ... ..XXXX is notorious for breaking the FCRA and not abiding by any rules or laws set in place to protect the consumer. Capital One should not be reporting ... .it was closed due to fraud and XXXX  just recently reported it 30 day late ... ..XXXX XXXX is also a fraudulent account that XXXX  stated would be deleted per a recent complaint yet they are still reporting in on my credit report, no it is not an active an account but the negative account history on XXXX  is still there. BOTH of these accounts should be deleted immediately. I am in the process of retaining an attorney and pursing legal action. I was also a victim of XXXX 's security breach. Please do the right thing and remove both of these accounts. See previous response to CFPB from XXXX  in regards to the XXXX XXXX account ... ... it was found to be fraud ... and they agreed that it should be removed yet they never removed it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted Equifax ; XXXX  and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation