vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: AL

Complaint narrative:
The process of the loan is that they give you a portion upfront, you make the payments and the remainder of the loan you borrow is in a reserved funds account that you get at loan payoff. I received information from them that I could pay my loan off with my reserve funds account and receive anything left over since my loan balance due was less than what I had in my reserve account. I followed the procedures they sent me to do so but the reserve account was grayed out on my portal so I could not access the funds. I reported this to them on XX/XX/2020 when I originally tried to pay off loan. They stated they didnt know what was going on and would set up a trouble ticket with the engineering department. This ticket was in what they called escalation mode. I checked back several times weekly from the XXXX forward and either got a response of we are working on it or we will do another ticket. We don't know what is wrong or why you cant utilize the feature. I asked repeated to speak to someone who could help me or explain to me why this fix was taking so long and always get the run around answer. This past week they sent me an email stating it was still being worked on and that they assigned my account Moneylion points that I could use -these are not available as my account says I have past due payments now because I will not pay them until this issue is fixed. They respond with we don't know what the issue is the engineering team is working on it. This is now day 42 of me requesting that my loan be paid in full immediately using those funds and them telling me that I have to wait on them to fix this issue. I don't want their points or them to give me courtesy grace periods on my payments as I should of had this loan paid in full on XX/XX/2020 using the reserve funds they told me I could use to pay the loan off with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
I have been trying to work with Dovenmuehle Mortgage to complete a loan modification related to COVID-19. I have been actively trying to resolve this issue and bring my loan into good standing since XX/XX/XXXX. 

I have receive completely contradictory information, lack of response and incorrect information from Dovenmuehle Mortgage. 

Without my knowledge or approval Dovenmuehle entered me into a Payment Deferral Agreement that I can't afford nor did I agree to. 

I've submitted a Qualified Written Dispute to Dovenmuehle to the e-mail address one of their employees provided. That request was sent on XX/XX/XXXX, I have not received a response or confirmation of receipt as of XX/XX/XXXX. 

On every call I asked to speak to a manager who can actually provide clear answers and updates and I've been denied each time. I've had one employee hang up on me and others disconnect the line because I've advised I will hold as long as I need to speak to the 'Specialist ' Dovenmuehle indicated is assigned to our loan. 

The standard response from representatives of Dovenmuehle 's Loss Mitigation department is they can't speak to prior conversations or discuss why a co-worker provide information that conflicts with the information they are providing. 

It is extremely frustrating that a company is allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
Aargon Agency Inc of XXXX XXXX, NV XXXX has placed an account from XXXX XXXX XXXX Hospital in collections and on my credit report without providing me with written notice of the debtor 's right to dispute or of the account in general.

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 2020-09-11 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: NY

Complaint narrative:
There is an account on my credit reports XXXX  XXXX XXXX that is outdated it is from 2012. I tried disputing it online with XXXX  and after all the information it said submission failed the same with Experian. This information is outdated and should be deleted off 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 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select Portfolio Servicing contacted my insurance company XXXX XXXX and told them my house was vacant. I live in my house. My utilities are all in my name. I get my grass cut regularly and I planted flowers 2 months ago. My mail box is only full if I get a delivery package in my mailbox. My car is usually in my driveway and Select Portfolio Servicing notified me on XX/XX/20 stating that my covid relief program HAD NOT ENDED yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: NY

Complaint narrative:
There is an account on my credit reports XXXX  XXXX XXXX that is outdated it is from 2012. I tried disputing it online with TransUnion and after all the information it said submission failed the same with XXXX. This information is outdated and should be deleted off 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 2020-09-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There is an account on my credit reports Bank of America that is outdated it is from 2012. I tried disputing it online with XXXX and after all the information it said submission failed the same with XXXX. This information is outdated and should be deleted off 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 2020-09-11 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
THIS IS INSANE. 

4 months ago my car got wrecked. These clowns never once showed me money was due to me. I called them repeatedly I showed them my new address repeatedly. 

So then they reported me as delinquent on the money owed. For a debt they never proved existed. 

I paid the debt *over two months ago* then they reported back to the credit agencies the credit was good/great. 

Then on XX/XX/XXXX, so a full six weeks after paying them off for the debt they never proved *they reported me deliquent again* I even have a letter from them dated TWO MONTHS AGO SAYING THE ACCOUNT IS CLOSED. 

I'm being reported deliquent twice for a non-existent debt. I have called them, I have wrote them, I have contacted all three credit reporting agencies. 

PLEASE ACTUALLY DO SOMETHING

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 2020-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I am writing concerning my experience with XXXX XXXX that is both a grateful thank-you and a pressing request concerning a tradeline in my credit files that I would like to have revised. 

I received my XXXX XXXX credit card in XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XXXX, XXXX and XXXX, I missed a couple payments that was a fault of my own. 

If you look at my history since XXXX I have made 95 % of my payments on time. I do have essential organizational and financial management skills. I desperately need my payment history to reflects that. I wish to thank you for your renewed confidence in me and for giving me positive relationship with XXXX XXXX XXXX that I am determined to keep untarnished. 

I'm about to begin the process of purchasing a new home. It has come to my attention that those few late payments may prevent me from taking full advantage of the best interest rates available. Since those late payments does not reflect my current status with your company, Im requesting that you please give me a second chance at a positive credit rating by revising those tradelines. I sincerely hope that there is redemption at XXXX XXXX, and I plead for such consideration. 

If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. 

I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: STERLING JEWELERS, INC.
State: NJ

Complaint narrative:
I have got accepted for a Kay jewelry account on XX/XX/XXXX they sent me a email stated if I dont receive my membership information within 10 days to call well I did and the first customer service rep told me I had to wait until the XXXX I told her no someone used my card that I didnt receive it can she block my card and and do a fraud claim so she did so I called back on XX/XX/XXXX to see what is going on now they stated that I have to pay for the chargers {$250.00} that I did not do and these happen in XXXX somewhere i live in XXXX nj I dont drive or have a license and that I will get a late fees on all 3 of my credit report that seem so unfair that should be put on hold until they are done with the investigation I never heard of this in my life its a new account who in they right mind will spend the whole amount and the card was already activated and that shouldnt never happened period I should be allowed to activate my own card thats attached to my cellphone number that is listed if I knew this type of card does that I wouldnt never applied I have paid all my account in full never missed a payment now this card going to mess me all up and Im XXXX I wonder will they do this to a XXXX  person!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested my credit report around 3 months ago. and after carefully reviewing my credit report I notice some inaccuracies such as late payments collections account and charge-off. since then I have been back and forth with the bureau 's and the Creditors that are reporting these accounts. this particular account I do not recognize so I sent the bureau 's more than 2 letters requesting the documentations they used as a proof to place this account on my credit report which they have no provide yet. 

all I need is this account permanently removed from my credit report. I am trying to keep up with my credit and errors like this account are keeping from having a good credit.

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 2020-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested my credit report around 3 months ago. and after carefully reviewing my credit report I notice some inaccuracies such as late payments collections account and charge-off. since then I have been back and forth with the bureau 's and the Creditors that are reporting these accounts. this particular account I do not recognize so I sent the bureau 's more than 2 letters requesting the documentations they used as a proof to place this account on my credit report which they have no provide yet. 

all I need is this account permanently removed from my credit report. I am trying to keep up with my credit and errors like this account are keeping from having a good credit.

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 2020-09-11 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: TX

Complaint narrative:
I requested my credit report around 3 months ago. and after carefully reviewing my credit report I notice some inaccuracies such as late payments collections account and charge-off. since then I have been back and forth with the bureau 's and the Creditors that are reporting these accounts. this particular account I do not recognize so I sent the bureau 's more than 2 letters requesting the documentations they used as a proof to place this account on my credit report which they have no provide yet. 

all I need is this account permanently removed from my credit report. I am trying to keep up with my credit and errors like this account are keeping from having a good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: MI

Complaint narrative:
THIS IS INSANE. 

4 months ago my car got wrecked. These clowns never once showed me money was due to me. I called them repeatedly I showed them my new address repeatedly. 

So then they reported me as delinquent on the money owed. For a debt they never proved existed.

I paid the debt *over two months ago* then they reported back to the credit agencies the credit was good/great.

Then on XXXX XXXX, so a full six weeks after paying them off for the debt they never proved *they reported me deliquent again* I even have a letter from them dated TWO MONTHS AGO SAYING THE ACCOUNT IS CLOSED.

I'm being reported deliquent twice for a non-existent debt. I have called them, I have wrote them, I have contacted all three credit reporting agencies.

PLEASE ACTUALLY DO SOMETHING

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 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
National credit adjuster has that I was a co signer at an apt I never stayed at. I was in Florida when my mother XXXX XXXX got that apt . So how would I have been able to sign the documents. Please need this off my car bc I never lived at the property

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance. I was relocated for my job and the last months rent was paid, however the assistant manager of the apartment complex failed to apply the payment and consequently sent me to collections in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I 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 explanation
Consumer complaint received 2020-09-11 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: WA

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance. I was relocated for my job and the last months rent was paid, however the assistant manager of the apartment complex failed to apply the payment and consequently sent me to collections in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I 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 explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I tried to log into Experian and could not log in. It said because I put the wrong password in too many times that my account was locked. It said to call the number they gave me to unlock it. When I called the number, there is no way to unlock it, nor is there a way to speak to a representative

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 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is the Fourth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
Company Crown Asset Management XXXX Cant get any information from company on lien on my moters house she has passed away her name XXXX XXXX XXXX My name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation