vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 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: CA

Complaint narrative:
I just pulled my most recent credit report and noticed errors reporting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: MI

Complaint narrative:
I am attempting to work with my mortgage company, Guild Mortgage, to defer my home loan for a few months while COVID affects our entire country. The options given to me by Guild Mortgage were to special forbear my loan, which would cause all the amounts forbeared to be due at the end of the special forbearance. I'm unsure how this is even a option, as if I can not pay my monthly mortgage at the beginning of the month then how am I supposed to come up with a sum total of those amounts at the end of forbearance period? Especially considering the vast impact of COVID, Guild should absolutely be working more with their customers to work through this situtation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
XXXX  XX/XX/2020 I called my bank asking them to make arrangements to cash a check for {$20000.00}. They told me they could only do a check for {$5000.00} at their branch, and I could get additional funds at a different branch. I talked with that branch and made arrangements to get {$5000.00} through their drive through. I then went to my local branch, and they refused to cash my check for {$5000.00}. They said they did not have that much cash in bills {$50.00}. or under ( which is specifically what I requested ). I have more than {$32000.00} in the account and the account has had that amount for a very long time. That is not a recent deposit. The branch manager at my local branch had gotten on the phone and tried to talk me out of taking my money out. This complaint is that my local branch 1 ) told me I could take out {$5000.00} from their branch and additional funds from the main branch, and then 2 ) refused to cash my check when I drove into town to cash the check. I feel I have been discriminated against because of my age ( I am a senior citizen ) and because the branch manager did not want me to take my money out. If they really don't have {$5000.00} in cash, they should not be a bank and I feel I should alert the world via XXXX   and XXXX  that they have run out of money.

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 2020-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TN

Complaint narrative:
On XX/XX/2020 I attempted to withdraw funds from my investment account with MoneyLion. The app showed me a balance in excess of {$320.00} however it would not let me take a draw. 

I contacted MoneyLion via their contact form and was instructed to call to discuss my account. The balance available was confirmed with the agent over the phone who casually indicated that she didn't know why I couldn't take a draw and would escalate my concern. I was advised I would hear back in 2-3 business days. 

Upon their written request, I submitted screenshots of the app showing the error message provided. Meanwhile, the balance in my account has steadily declined as a result of market conditions. 

It is now XX/XX/XXXX and I do not have any further response from MoneyLion despite my repeated attempts to follow-up and my balance continues to decline through no fault of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 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: Island Finance Puerto Rico
State: FL

Complaint narrative:
Account still open when paid off in full by XX/XX/2018. Is affecting my credit score and shows if was past due a balance of {$2600.00} and missing payment affecting me to get loans.

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 2020-03-23 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: SC

Complaint narrative:
THE DISPUTED LATE PAYMENTS ON THE ACCOUNTS LISTED HAS BEEN REPORTING INACCURATELY, PLEASE MAKE THE CORRECT ADJUSTMENTS ON THE ACCOUNTS LISTED, FOR THEY HAVE BEEN CAUSING HARM TO MY 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 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates, LLC continues to call and threaten to sue to recover debts that were discharged in Bankruptcy Ch XXXX # XXXX. 

I informed them on three separate occasions that they are in violation of Title 11, Sec 524 Bankruptcy Discharge Violation. 

They refuse to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 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: CA

Complaint narrative:
I just pulled my most recent credit report and noticed errors reporting on my credit file

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 2020-03-23 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: CA

Complaint narrative:
I just pulled my most recent credit report and noticed errors reporting on my credit file

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 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
I left XXXX for XXXX XXXX XXXX program I have my phones to XXXX and they laid XXXX to buy out my contact transition and XXXX  took it off my credit but XXXX  every other year trys to collect and XXXX keeps accepting this fraudulent debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I received an offer to apply for an 18 month interest free loan from Sears for any purchase of {$540.00} or more within XX/XX/XXXX and XX/XX/XXXX. The step by step offer activation guidelines provided. The offer stated that it can be done by phone or on line. The activation code was provided.I called the store and activated the offer. After that I made two purchases within the allotted time frame. I made payments on time, every month for the duration of four months. Recently, as I was going through my statements, I noticed that I have been charged an interest every month. The amount of interest is different from month to month, and is around {$45.00} - {$54.00}. I called the bank and was told that the promotion code has never been activated. The manager stated that the code can not be activated by the phone, while it is clearly stated on the offer that it can be done over the phone or on line. I seek the resolution of the problem, but was told that the only option that I have is to keep on monthly payments.

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 monetary relief
Consumer complaint received 2020-03-23 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I divorced my ex wife 2014 an in the divorce papers it says she needs to refinance the house loan and or modify it and I will be held financially harmless from the debt on the house. she modified the loan and the bank crossed out my name off the loan and she took more money out and extended the loan without my knowledge and without my signature. she assumed all the debt on the house with the loan holder Nationstar. I have contacted Nationstar about this and they wont give me any information and they are still reporting it on my credit when they shouldn't be. I filed a dispute with XXXX  and Nationstar reported to them its correct however they can not submit anything after the date when my name was crossed off because I have not signed ANY paperwork with them. the last paperwork done with Nationstar is a modification and the modifications were taking my name off the loan and getting XXXX new money. and that money was given to my ex wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX & Equifax are reporting an erroneous collection on my credit report for XXXX XXXX XXXX - XXXX - I never received one notice regarding this debt, it just showed up on my credit report. This was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian & XXXX  are reporting an erroneous collection on my credit report for XXXX XXXX XXXX - XXXX - I never received one notice regarding this debt, it just showed up on my credit report. This was paid

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 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I have always have had medical insurance with Obama health care and with my job at XXXX XXXX I had insurance when I went to the hospital

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 2020-03-23 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: DISCOVER BANK
State: NY

Complaint narrative:
I found out I am an identity theft victim by three major credit agencies on XXXX! I try to deal with the banker to explained that someone opened up several account in different bank without my permission. My credit score dropped very behind because someone elses illegal behavior

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I found out I am an identity theft victim by three major credit agencies on XXXX! I try to deal with the banker to explained that someone opened up several account in different bank without my permission. My credit score dropped very behind because someone elses illegal behavior

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 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Monday - XX/XX/2020 -Downloaded the Experian credit boosting Application to try and improve my credit. 

-Linked up XXXX  XXXX XXXX account to allow Experian access to retrieve payment history information. 

Account was immediately hacked and two different fraudulent charges were posted to my account while going through the initial process.

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 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX  stating that a new collection account is on my credit report. The collection agency is United Collection Bureau and the company for whom the debt originated is XXXX XXXX XXXX XXXX. It shows that the collection account was opened XX/XX/XXXX, and that {$270.00} was due as of XXXX XXXX. I have never heard of XXXX XXXX XXXX XXXX, nor do I believe that I owe an outstanding balance of {$270.00}. The report lists a partial account number : XXXX. I have never received a bill from this company that would explain the charge. Presumably, the company is connected to healthcare, but I always pay any co-pays and additional fees directly to my doctor 's office. I disputed the charge with XXXX  and United Collection Bureau claims that it's a legitimate charge, although no evidence has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: FL

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a charge-off in the amount of {$440.00} on the XXXX XXXX partial account number XXXX and also a charge-off in the amount of {$900.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These ( 2 ) accounts with XXXX XXXX were fraudulently opened. I do not now, nor have I in the past, had any accounts with XXXX XXXX. I never gave permission, nor did I ever authorize these accounts to be opened. This false reporting of charge-off accounts that do not belong to me is seriously harming my credit score and these line items need to be deleted. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I sent a validation request to IL XXXX XXXX XXXX on XX/XX/2020 and never received a response. The original letter from IL XXXX XXXX XXXX letter states that the creditor is another debt collector named The Bureaus. Since the account was sold, The Bureaus should not be trying to collect from me, as well as should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: SC

Complaint narrative:
THE DISPUTED LATE PAYMENTS ON THE ACCOUNTS LISTED HAS BEEN REPORTING INACCURATELY, PLEASE MAKE THE CORRECT ADJUSTMENTS ON THE ACCOUNTS LISTED, FOR THEY HAVE BEEN CAUSING HARM TO MY 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 2020-03-23 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: SC

Complaint narrative:
THE DISPUTED LATE PAYMENTS ON THE ACCOUNTS LISTED HAS BEEN REPORTING INACCURATELY, PLEASE MAKE THE CORRECT ADJUSTMENTS ON THE ACCOUNTS LISTED, FOR THEY HAVE BEEN CAUSING HARM TO MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: FL

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$440.00} on the XXXX XXXX partial account number XXXX and also a charge-off in the amount of {$900.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These ( 2 ) accounts with XXXX XXXX were fraudulently opened. I do not now, nor have I in the past, had any accounts with XXXX XXXX. I never gave permission, nor did I ever authorize these accounts to be opened. This false reporting of charge-off accounts that do not belong to me is seriously harming my credit score and these line items need to be deleted. I have contacted the bureaus to remove these 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 2020-03-23 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: FL

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$440.00} on the XXXX XXXX partial account number XXXX and also a charge-off in the amount of {$900.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These ( 2 ) accounts with XXXX XXXX were fraudulently opened. I do not now, nor have I in the past, had any accounts with XXXX XXXX. I never gave permission, nor did I ever authorize these accounts to be opened. This false reporting of charge-off accounts that do not belong to me is seriously harming my credit score and  these line items need to be deleted. I have contacted the bureaus to remove these 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 2020-03-23 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: AZ

Complaint narrative:
I filed a complaint with CFPB related to a wrong credit report of Transunion Intermediate holding Inc report # XXXX and XXXX  report # XXXX-XXXX  related to a past due mortgage for XXXX, XXXX XXXX and XX/XX/2019 from Specialized Loan servicing. LLC. The Loan was paid by wire from XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 by wire in accordance with the written payof demand submitted by XXXX XXXX  to XXXX XXXX XXXX. XXXX  reported incorrectly the Mortgage unpaid for 4 months to all 3 credit bureau and finally in XX/XX/2019 informed me that the mortgage was paid, balance XXXX and they reach an agreement for a very small insurance shortage of with the insurance company insuring the loan and the Title Company to no fault of myself. XXXX has informed the credit reporting agencies but only XXXX  has corrected the report and revised the credit score while XXXX and Transunion have failed to correct the information and I was advised in writing that in accordance to the guidelines they had not sufficient information to revise the credit report. all information I have available were submitted to Transunion report XXXX-XXXX  and XXXX report XXXX-XXXX. I do not understand how information are sufficient for XXXX  but NOT for Transunion and XXXX  and an application of mortgage refinance with XXXX XXXX was suspended due to the low score registered with Transunion and XXXX  while the score with XXXX  was sufficient for the refinance process.

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 2020-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/2020 Approximately XXXX, I held for one and one-half hours, to be disconnected. 
XX/XX/2020 Approximately XXXX, I held for one and one-half hours, to receive a recording that no one was available and to call back during regular business hours, then disconnected me. 
XX/XX/2020 at XXXX, I am still holding at XXXX. The message at the beginning said the wait was approximately 2 hours. They also stated they were complying with the COVID-19 quarantine, but I have family that are XXXX, and they work from home now! This company knows that people are desperate, and need a way to speak with them right now. Please help!

Company response to consumer: Closed with explanation