vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: AK

Complaint narrative:
Today ( XX/XX/2021 ) I received a debit card in the mail from MoneyLion, by XXXX. I did not request an account and now I'm scared I'm a victim of identity theft. I'm not really sure what I'm supposed to do if this is identify theft, but I read that filing a complaint with the CFPB may be a good place to start.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
There are fraudulent accounts showing up on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Premier Auto Credit
State: CA

Complaint narrative:
There are fraudulent accounts showing up on my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I owned a XXXX XXXX and I voluntarily surrendered it due to transmission issue. The seller made false representation for the warranty. As a result, I return the car. The seller reporteda balance of {$18000.00} which I disputed. Now that company is reporting it illegally on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon viewing my credit reports, I noticed my XXXX Account number : XXXX has a discrepancies in the " Late Payment Status '' section of the listing. XXXX  and Transunion reports that I was 120 days late which I was not. There are several inaccuracies violating the FCRA Requirements.

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 2021-07-26 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: TX

Complaint narrative:
Upon viewing my credit reports, I noticed my XXXX  Account number : XXXX has a discrepancies in the " Late Payment Status '' section of the listing. Experian and XXXX  reports that I was 120 days late which I was not. There are several inaccuracies violating the FCRA Requirements.

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 2021-07-26 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: NJ

Complaint narrative:
Attached in this complaint should be an FTC report filed on the FTC website and a notarized FTC affidavit by law you are required to block the fraudulent account within 5 days while you investigate. I have been trying to get this issued resolved for a while now it has been very frustrating, I have been studying consumer laws I have also hired an FCRA attorney he advised me to sue but I want to make this last attempt to get this issue resolved outside of court. If this issue is not resolved in a timely manner and my dispute is ignored or the account is not properly validated, I will be forced to file a lawsuit against you and the creditor that extended the fraudulent account in my name. 
If you do investigate and claim this account is accurate or is mine, I need a written sworn statement from a senior officer under the penalty of perjury that this account does in fact belong to me and also the method of verification they used to validate the fraudulent accounts.

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 2021-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I have filed a FTC report to get the account NCB MANAGEMENT SERVI off my credit reports ( XXXX  and XXXX  ). I have sent letter and filed a FTC report and they continue to report this negative false information on these to bureaus, which goes against the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They are five hard inquiries on my XXXX  Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) Jpmcb - card service 2 ) XXXX XXXX 3 ) XXXX  XXXX, XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

US BKPT CT NY XXXX Account ID : XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( Transunion ) On XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 and XX/XX/2021 I requested Credit Bureaus to send me the name and address of the furnisher of information who helped them verify that the filed on was accurate. All three bureaus listed the source!!!!!!!, but not the actual furnisher. They have failed to comply with FCRA prescribed procedures ( 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; ). This item must be Deleted immediately. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage.

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 2021-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

US BKPT CT NY XXXX Account ID : XXXX ( Equifax ) XXXX ( XXXX ) XXXX ( XXXX ) On XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 and XX/XX/2021 I requested Credit Bureaus to send me the name and address of the furnisher of information who helped them verify that the filed on was accurate. All three bureaus listed the source!!!!!!!, but not the actual furnisher. They have failed to comply with FCRA prescribed procedures ( 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; ). This item must be Deleted immediately. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
I was sending money with Moneygram application. I sent two transfers from the same account, with the same account information, to the same receiving account, with the same receiving account information. One was processed correctly, the other never went through after a week. I attempted contacting Moneygram, but instead of responding, they cancelled the transaction of their own choosing. 

Now, they don't want to refund me the full amount, saying they provided a service, so they are keeping the processing fee. They definitely provided me no service, and owe me the processing fee back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have already filed a previous complaint ( XXXX ) about Loan Depot 's deceptive and fraudulent loan practices. Please refer to the previous complaint for details that started these issues with this company. The reason I am filing a new complaint is after being forced to pay $ XXXX to pay down the loan to correct the issue regarding additional flood insurance, I have asked for a recast ( loan modification ) to reduce the monthly payment. If Loan Depot had disclosed the issue about additional flood insurance prior to funding the loan, we would have had a lower loan amount which would have translated into lower monthly payments from the onset of the loan. Instead, Loan Depot waited 2 months after the loan was funded to inform us about the additional flood insurance. To avoid paying additional flood insurance, we were forced to pay down the loan by $ XXXX. Upon requesting a loan modification, we have been told there is a {$250.00} processing fee that will not be waived. This request is preposterous. If Loan Depot hadn't engaged in deceptive and fraudulent practices from the beginning we would have had a lower monthly payment because we wouldn't have signed off on the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX, I went to the bank and made a deposit of XXXX XXXX and XXXX XXXX dollars but through out the process I filled out the deposit slip and unnoticedly only wrote XXXX XXXX and XXXX XXXX dollars but the teller didn't give me the XXXX XXXX dollars. So the next day I checked the bank account and the deposit was wrong and I went to the bank and they told me that they cant do anything right now and told me to come back in 3 weeks. So I came back in 3 weeks and they said that the deposit was only XXXX XXXX and XXXX XXXX dollars so I demanded the look at the video tape so they refused to show me the tape. So I called the police and I told him can he help me look at the tape and he disrespectfully said he don't have to do that because the bank told him that the deposit was only XXXX XXXX and XXXX XXXX dollars. He also said that I stole the money and give it so someone else and blamed it on the bank but its my money so why I have to steal it. I want to see the tape because I know for sure the the deposit was XXXX XXXX XXXX XXXX and not XXXX XXXX and XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NJ

Complaint narrative:
I wrote to you on XX/XX/2021 requesting an investigation and removal for the accounts listed and per my USPS certified receipt, it was delivered at your address on XX/XX/2021. The reason for the investigation was to advise you of accounts that are showing Inaccurate, Unverifiable and Incomplete on my credit report you are reporting.

As of now, I have not received a reply from you or any acknowledgment that an investigation has begun. Pursuant to the Fair Credit Reporting Act 623 ( a ) ( 6 ) ( B ), you may not furnish information to my credit report regarding a fraudulent account or debt.

I am requesting for you to delete these accounts immediately from my credit file. Supporting documentation will be attached for you review.

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 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adelante, Inc
State: TX

Complaint narrative:
After reviewing my credit profile XX/XX/2021 I identified a discrepancy with accounts listed under XXXX XXXX XXXX. I requested a validation on XX/XX/2021 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has HIPAA authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
XX/XX/XXXX - I received a delinquent letter in regards to XXXX CITY TAXES ; AMERIHOME MORTGAGE COMPANY was contacted to check on the status ; AMERIHOME MORTGAGE COMPANY notified me the taxes were paid in XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX - I was in contact multiple times with both AMERIHOME MORTGAGE COMPANY and the XXXX CITY TAXES ; they played " he said, she said '' ; the AMERIHOME MORTGAGE COMPANY said it was paid ; the XXXX CITY TAX DEPARTMENT said they didn't receive it ; AMERIHOME MORTGAGE sent me a receipt showing when it was paid ; XXXX CITY TAXES said that the receipt would not suffice because it did not show that it was paid by the clearing house and therefore was void XX/XX/XXXX - I emailed AMERIHOME MORTGAGE COMPANY with the delinquent tax notice saying it was still not paid ; they claimed they had resolved the issue XXXX XXXX I received a new tax bill for XXXX ; this still showed that the XXXX CITY TAXES had not been paid ; I called the XXXX CITY TAX OFFICE to confirm ; they said they still haven't received the payment ; I called AMERIHOME MORTGAGE this morning ; none of the representatives would let me speak with a supervisor ; one AMERIHOME MORTGAGE representative told me that there are three open " tickets '' or " work orders '' in regard to this ; she said I could call back tomorrow and speak to a supervisor when all the " work orders would be closed '' I am scared that my house will go into foreclosure because of unpaid taxes. I owe 82 % pf the remaining balance to AMERIHOME MORTHAGE COMPANY ; I have asked multiple times to speak with someone to get the escrow removed from my account and to pay the taxes myself to ensure payment on time ; AMERIHOME MORTAGEG will not let me speak to someone to do this So - my XXXX XXXX CITY TAXES are still delinquent ; I can't talk to anyone in charge at the mortgage company to resolve this ; I have somehow been paying these taxes in escrow yet the money is unaccountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 60 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

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 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's XXXX XXXX to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.

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 2021-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: AL

Complaint narrative:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I notified the Equifax via/ dispute that they are reporting my personal info and address inaccurately via/ signature required registered mail several times but did not get no cooperation from Equifax to use the many ID and documents provided to them to correct their file, I filed a complaint with CFPB on XX/XX/2021 complaint number XXXX, the company have done nothing to correct their report and still as of XX/XX/2021 are reporting my personal info such as date of birth and addresses which these inaccurate personal info are linked to several accounts from same provider, out of those the most recent account # XXXX and account # XXXX that are linked to the inaccurate personal info are still being reported as accurate .some of these account shows good report that are 5 or more old but just now as of this month have appeared in the report, I have been refused getting the free annual full credit report but they are forcing me to become a monthly based service fee as member in order to see my report, I am not able to refinance my house because of their refusal to correct their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
On XX/XX/2021 I asked Carrington Mortgage Services to validate and verify information on my credit report. I have received no correspondence or documentation related to my request. I called XX/XX/2021 and XX/XX/2021 and both times was told that I should receive documentation in 30 days. I still have not received any correspondence while these negative marks are hindering my credit.

Company response to consumer: Closed with explanation