vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc.
State: AL

Complaint narrative:
My bank account online ID was hacked and someone managed to change my XXXX  account password in XXXX. When I realized my account was hacked I worked with the bank to change my account ID and password, and I filed a fraud report on XX/XX/2019 with XXXX ; I don't know if someone had my SSN or not. Right around that time I noticed a Moneylion transaction in my bank account trying to withdraw {$500.00}. I contacted the bank and had them cancel that transaction. I closed my bank accounts and had new ones set up. Now I have a Moneylion account on my credit report at the three reporting agencies that shows a delinquency record. This is severely hurting my credit ( XXXX points! ) and the credit bureaus only say they contact Moneylion to verify it's real, but it is absolutely not even if Moneylion thinks it is. Someone must have opened an account in my name or something. This is a fraudulent account at Moneylion and I can't seem to fix it. I've searched the web for other cases like mine and I actually have seen a bunch out there with almost the same exact situation. I'm kind of at my wit 's end not knowing what to do and this is really hurting my credit right now and affecting my legitimate loan requests. It looks like the XXXX  has also revoked Moneylion 's business as there are too many complaints similar to mine. I'm hoping you can help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had my identity stolen in XX/XX/XXXX. The thieves opened 2 credit line accounts with XXXX XXXX. I found out in XX/XX/XXXX. Had a police report made and notified the the 3 Credit Bureaus. All of them is such a difficult thing to get help. almost impossible. The websites aren't clear as to what to do. The numbers they provide are not right, as they are automated and no way to speak to a person. In special with XXXX, I filed a dispute, notified them of the identity theft back in XX/XX/XXXX, printed a report with the information and as of today, XX/XX/XXXX my credit is still showing the derogatory information. 
It is absurd what a person has to go through after being victimized by thieves. Something needs to be done about these companies. Trans Union is the same thing. I notified the 3 of the fraud, yet, I had to spend the day talking to them.

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 2019-05-06 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I had my identity stolen in XX/XX/XXXX. The thieves opened 2 credit line accounts with SunTrust bank. I found out in XX/XX/XXXX. Had a police report made and notified the the 3 Credit Bureaus. All of them is such a difficult thing to get help. almost impossible. The websites aren't clear as to what to do. The numbers they provide are not right, as they are automated and no way to speak to a person. In special with XXXX, I filed a dispute, notified them of the identity theft back in XX/XX/XXXX, printed a report with the information and as of today, XX/XX/XXXX my credit is still showing the derogatory information. 
It is absurd what a person has to go through after being victimized by thieves. Something needs to be done about these companies. XXXX XXXX is the same thing. I notified the 3 of the fraud, yet, I had to spend the day talking to them.

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 2019-05-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2019 a fraudulent inquiry for credit with XXXX XXXX XXXX XXXX was made on my Experian credit file. I've tried to resolve this issue 3 times with the credit bureau but have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
For the last 2months I been getting pH calls about XXXX XXXX I was told aggressively this your bill you open it very disrespectful after they were told the item was disputed they tell me 3 party sent that to them and it need to be paid didn't really get fair chance to talk without demanding a payment now it's different representative keep calling all day early in the morning, the company amsher if I'm not mistaking. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
did a loan modification. did not like the terms ; appealed it. they never addressed my concerns in the disagreement and just sent me another copy of the same agreement. escrow shortage ; I sent the money ; they sent it back. all month of XXXX I'm trying to resolve. today XX/XX/19 I call and they tell me my modification was denied because I did not send in a payment. who pays when you have disagreements? I am so tired of them. this all started when the government shut down and my husband passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: IL

Complaint narrative:
I SUBMITTED DISPUTES TO XXXX AND EXPERIAN TWO OF THE THREE CREDIT REPORTING AGENCIES TO LET THEM KNOW THESE ACCOUNTS OF BANKRUPTCY IN MY PUBLIC RECORDS SECTION OF MY CREDIT REPORTS WERE IN ACCCURATE AND THEY SENT ME RESULTS OF THE INVESTIGATION STATING THESE ACCOUNTS WERE MINE AND THEY WERE VERIFIED AND I ALSO ASKED FOR PROOF OF THE THESE INVESTIGATIONS AND HOW THEY WERE CONDUCTED AND VERIFIED WHEN KNOW ONE FROM EITHER COMPANY WENT TO THE COURTHOUSE THAT THESE SO CALLED ACCOUNTS WERE OPENED AND OR CLOSED

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 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/19, I received a mailing from company advertising {$500.00} new account bonus for meeting certain conditions after opening a new checking and savings account. After having met all the offer terms, new account bonus was not paid despite all terms being met. After inquiry with financial institution, claims were made that a prior account was held and that the {$500.00} promotional offer was only available to new clients. However, the prior account was opened erroneously ( in error ) and TD Bank made it nearly impossible to close that account ( it was only after complaint to XXXX that the account was closed ). Furthermore, I received a direct, targeted mailing ( attached in photos ) constituting my eligibility for this offer. If it was said that I was ineligible, why was this offer sent to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: CA

Complaint narrative:
I have a Bankruptcy Chapter XXXX listed on my Experian, XXXX XXXX and XXXX reports. 

I have not filed a Bankruptcy within the last 15 years. 

I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my 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 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a letter dated XX/XX/2019 from XXXX indicating that based on a hard inquiry, a credit report from Experian was provided on XX/XX/XXXX and used as " the terms of the credit we are offering you ''.

I want this hard inquiry removed from our credit reports ( my husband also ), as we have not applied for credit from anyone in the last two years at least.

Today, I called the telephone number on the credit report for XXXX ( XXXX ) XXXX and reached a recording stating " this is a non-working number ''.

Today, I called the number in the letter for Experian and the automated system indicated they would put a " freeze '' on my credit.

Today, I sent an online complaint to Experian indicating that I want to file a consumer report dispute.

Today, I am reaching out to you.

Additionally, two of my credit cards were cancelled and reissued on XX/XX/2019, due to suspected fraudulent activity so I am trying to cover all bases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX, I went into the Huntington Bank branch office in XXXX, MI to enroll in automatic payments for my personal line of credit. I was unable to do this task online. I signed the form on XX/XX/XXXX and it states that the start date of the withdrawals would start on XX/XX/XXXX. I called the bank today ( XX/XX/XXXX ) to determine why the payment had not come out and they said it would only be available to be withdrawn on the due date. I asked if interest would be charged daily since XX/XX/XXXX and they said yes. I expressed my concern that I should not have to pay the daily interest if I want the withdrawals to take place on the XXXX of the month. They said this was the bank practice and there was nothing I could do about. I don't think that is acceptable. I should not have to pay more interest than the form I signed indicated payments will come out on XX/XX/XXXX. Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Receiving phone calls on several occasions from a number in XXXX, Florida claiming to be providing loan relief. They have my contact information and my current billing address. I already answered and told them to stop contacting me, but they called again. It's super creepy and makes me very uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC
State: SC

Complaint narrative:
I took a lone in XX/XX/2018 from Bridge Lending Solutions. The interest rate was huge and I later learned they were an illegal lender. I have asked for validation of the debt and to settle for the principal amount of the loan. I believe it was for approximately {$500.00}, however they will not validate. 
Bridge Lending Solutions sold the debt to XXXX XXXX. XXXX called my sister in law pretending to be an attorneys office and told her I was in danger of being arrested due to a debt that I owed. I called them immediately, and while I could tell they were impersonating an attorney 's office, I did set up payment arrangements on the account. I still have not received the written verification that I requested. 
I called due to needing to reschedule my payment and spoke with a representative who was very rude. She would not cancel my payment as requested but did reduce it temporarily for XXXX payment. She threatened that if I did not make the agreed upon payment they would take me to court. She said they would garnish my wages, but I told her that was illegal in SC. She then said they would get a judgement that was worth over 3-4 times the amount owed. I again told her this was illegal and that I wanted to speak with her supervisor. She told me she did not have a supervisor. 
I asked for the full company name and all she would tell me is XXXX. I asked for the address, and she refused to give it to me. Which, I again told her was illegal. All she would give me was an email address : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Following a review of my credit report at the XXXX, XXXX   and XXXX consumer reporting agencies, I determined that said reports contained a Capital One Visa credit card for which I did not apply. I initially disputed the credit card account as " not mine '' and Capital One returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did Capital One ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to XXXX, XXXX and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
Currently, I pay {$470.00} a month for my car. I purchased the vehicle 2 years ago for my birthday on XXXX of XXXX. This past year has been particularly hard to make on time payments. My wife and I moved into a house and got married within 6 months. I had to pay at least {$4000.00} for the hotel expenses not including the wedding. On top of that Indiana took 6 months to give my wife her XXXX license, and has not been working for the last year. I have had to cover all of our expenses including help pay for my wedding. She had her first day of work XX/XX/XXXX. I have had 3 late payments over the last year. It will be entirely easy making on time payments with my wife 's additional income. I contacted Santander Consumer USA on Saturday 4 times. After giving my SSN, they would hang up on me. The 5th time, I asked to speak to a manager who then told me there was nothing he could do to remove the late payment remarks. 

I am also trying to start a business and having my credit up to par is crucial for a business loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2019 against my better judgement i paid for services rendered through paypal. I sent {$220.00} and they wouldn't release it to the receiver. On or about XX/XX/XXXX, after multiple attempts to resolve the issue i involved my bank. I requested a dispute. I told PayPal before i called my bank that this is what i was going to do. 30 minutes later they released, i called my bank and cancelled the dispute. PayPal took it from the receiver and is now holding it and showing no intent to return. I am awaiting a call from my bank but until the bank can do something, Paypal still has my money. This is wrong.,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Following a review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I determined that said reports contained a Bank of America mortgage loan - under account number XXXX - that was closed more than seven years ago. I initially disputed the account as antiquated to no result. Not only did Bank of America ignore and reject my complaint, they did not respond to my complaint at the credit reporting agencies. 

I filed separate disputes to XXXX, XXXX and XXXX. Each dispute was summarily rejected as frivolous. The negative and antiquated Bank of America account remains on my 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 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Account XXXX Relationship Manager XXXX and XXXX did not answer or return my XX/XX/2019 or XX/XX/2019 calls. 
Person at alternative number XXXX told me I had to my request in writing to : Citibank XXXX XXXX XXXX XXXX XXXX, Tx XXXX Written request of XX/XX/2019 was ignored by Citibank.

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 2019-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I took out a title loan of {$2100.00} in XX/XX/2018. My payments are {$380.00} per month and I have made 3 payments. When I am 1 day late on my payment, they will call me and threaten repossession of my vehicle. 

I asked for a payoff amount today and it was for almost {$3500.00}! This seems so outrageous to owe more than double the loan amount after only 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The following accounts do not belong to me. I have contacted these companies several times as well as the bureaus to have them removed. These accounts do not belong to me 1 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$27000.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX {$19000.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$66000.00} 4 ) Credit Inquiry on XX/XX/XXXX XXXX XXXX ( REMOVE because someone applied for credit in my name )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Good afternoon CFBP I'm sick of Experian credit reporting agency! These Folks needs to be Taking down by the CFPB & FTC  I was going Over my credit report today I noticed a XXXX XXXX XXXX  account has serious 3 FCRA Violation account has been charged- off Experian is reporting but Not Showing who the account was sold to? VIOLATION # 1. XXXX XXXX XXXX  is no longer The owner of the account VIOLATION # 2 THE ACCOUNT IS STILL SHOWING A {$5400.00} PAST DUE BALANCE HOW THE XXXX DOES a charge OFF ACCOUNT HAVE A PAST DUE??? EXPERIAN????????????? 
VIOLATION # 3 ACCOUNT IS STILL SHOWING A BLANCE TELL ME HOW A CHARGE OFF HAVE A BLANCE AND MOST OF ALL XXXX XXXX XXXX WOULD NOT BE ABLE TO REPORT THE BLANCE IF THEY SOLD THE ACCOUNT EXPERIAN MOVE THIS FROM MY CREDIT FILE TODAY YOU LUCKY I DON'T SUE 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 2019-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I entered into Payment Cure Plan with XXXX  XXXX XXXX online. The payments were set for automatic draft for XXXX, XXXX and XX/XX/XXXX. After the 3 payments were made, the account was to be brought current. After the final payment was made, the account was not brought current. I attempted via online messaging to get the account corrected on XX/XX/XXXX. I was directed to call in. I have called on XX/XX/XXXX, and XXXX. I called again on XX/XX/XXXX. Each time I have been told different reasons my account was not reaged, and that it would be fix within a week. It is still not corrected. My account has now been sent to collections, when it should not even be considered late based on the payment agreement. During my most recent call, I was told that the agreement was made incorrectly and my account was not eligible to be reaged. I made my 3 payments as agreed and not red card is not keeping their end of the agreement and have since sent the account to collections. Even if the account was not eligible to be reaged, I was never informed of this and was going off the accepted agreement I have from them.

Company response to consumer: Closed with monetary relief