vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company won a garnishment against me in a judgment on XXXX XXXX 2019. 
The garnishment did not commence until XX/XX/2019. 
The garnishment was paid in full on XX/XX/2019. 
The amount of the garnishment was XXXX After the amount was paid in full plus an additional {$20.00} that was not agreed upon the company never reported that the account was in charge off status and judgment/garnishment status. 

I want the company to accurately report the judgment and garnishment and refund me the extra amount that was over paid. 

This company held me XXXX for over two years. And refused to let me default on the loan. And then refused to reflect the correct status of the loan even after it had been paid in full. 

The company forced me to pay {$13.00} more that was not originally stated by the judge in the judgment against me. 

The company forced me to pay extra for the many mistakes they made and they continue to make more mistakes by fraudulently reporting false information.

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 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
LoanCare bought my mortgage from the previous company XXXX. I was never informed about this transfer. When asked, XXXX was asked about this, they said it went to another address in XXXX that I am completely unfamiliar with and have never been associated with. Despite the fact that I had provided my current address to XXXX. 

Loancare meanwhile, never called to ask about the payment. Instead, Loancare went to the property on two separate occasions and " winterized '' the property without my consent while I was out of town caring for my sick and now recently deceased father. As if that is something you need to do to a property in XXXX in Texas! My car was in the garage with registration as well as bills with my contact information on top of an appliance they " winterized ''. They failed to contact me out of their own negligence. I have now had to pay to get the place " unwinterized '', get the locks changed, etc. At the time they completed this winterization, I had already brought the account current as I proactively reached out to them after noticing my old mortgage had been closed online. This is abhorrent! Who goes into someone's residence twice without contacting the resident? XXXX had all my information and LoanCare did as well, so their lack of record-keeping is unconscionable. They are now trying to bill me for an NSF fee when I can show no payment was ever returned. They can't keep their bills or contact information accurate, how can they maintain their business licenses? They obviously abuse the public trust.

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 2019-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CASHCALL, INC.
State: NC

Complaint narrative:
Keep getting phone call from XXXX XXXX, XXXX XXXX XXXX claiming money owed of approximate {$7000.00}. from 2011. I do not recall ever doing a Payday loan. He keep threatening me with court documents. Mr. XXXX claims he is an arbitrator for the company. I requested documents and he stated I could not get them until I went to court. I have no court date and he says that he would have to have law enforcement to serve me. I am disturbed about this and very concerned that they can arrest me or have me sitting in court. Please help.

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 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: MA

Complaint narrative:
I recently noticed a {$500.00} Moneylion on my credit report which i never obtained, or was obtained by someone illegally under my name. I have contacted XXXX to dispute this account now onto collection, but they are unable to verify the authenticity of the loan and are referring me back to Moneylion. After weeks and hours of attempting to contact Moneylion i have had no success getting a live person to help me or any calls or emails back to address this issue. My credit has been negatively affected by this, its a default loan now through collection and worst of it Moneylion should have verified the identity of the persons who they provide loans to. This is illegal and I need them to fix this!! 
Desired Resolution : Correction to a credit report Desired Outcome I need the correction on my credit report and i need the business to contact me on how this happened and a formal apology!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: Freedom Mortgage Company
State: MI

Complaint narrative:
I have been making payments to Freedom Mortgage Company for about 2 and half years now and the majority of them have been paid online. I paid my XX/XX/XXXX mortgage payment on XX/XX/19 which was a Sunday  at XXXX. Freedom Mortgage changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XXXX  XXXX  not XXXX  XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX XXXX. Freedom Mortgage refuses to take the 30 day late off my credit report. I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XXXX  XXXX  not XXXX  XXXX. My last call to Freedom Mortgage Co was with their Customer Liaison on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified Freedom Mortgage of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I called XX/XX/19and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19not XX/XX/19. Here are the dates & times of my calls to Freedom Mortgage Co trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XX/XX/2019XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX

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 2019-08-05 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:
IhavemanyincorrectinquiriesonmycreditreportthatIhaveneverbeenaffiliatedwith.Evensomeofthenamesandaddressesonmyreportarewrong.Idonotunderstandhowthesethingsarebeingtiedtomynamebutihavenothingtodowiththis.

XXXXXXXXXXXXXXXXXXXXXXXXUSDEPTEDXXXXUSDEPTEDXXXXXXXXXXXXOFED/XXXXXXXXXXXXXXXXXXXXXXXXUSDEPTEDXXXXUSDEPTEDXXXXXXXXXXXXXXXX

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 2019-08-05 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX

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 2019-08-05 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: FL

Complaint narrative:
I have send numerous letters to Equifax to delete errors on my credit report, no matter how many letters i send, they dont fix anything, i send all letter with a copy of my driver license, social security card and they send a letter saying i must send those docuemnts, i am tared of their irresponsibility and lack of care showing teh following errors : XXXX XXXX  XXXX XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl reported XX/XX/XXXX Never lived at any of this address and must be removed consumer statement Fraudulent application may be submitted or my identity may have been used without my consent to Fraudulent ontain goods or services do not extend credit with out first verifying the identity of teh applicant this security alerts will be maintain for 1 year begging XX/XX/XXXX XXXX Inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX none authorized by me..no documentation that proves i did them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A fair resolution to this issue would be to remove all these things from my report immediately. None of these inquiries have been made by me or are of any relation to me. I can not even begin to fathom how long this has been affecting my credit report. Please remove these from my report immediately so I can begin the process of reversing everything that's been done negatively so far to my report. 

10 XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX   XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX/XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX Bankruptcy : Discharged CH-XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: VA

Complaint narrative:
XXXX XXXX an Experian continue to accept and report false information from XXXX damaging my FICA, credit score. Account  was closed as a charge-off and was a by=business account. They ignore repeated statements and copies which show its not my account. Also stop reporting false addresses for me. They have been sent numerous times supporting id documents with my correct address. XXXX is using a false address.

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 2019-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
I went to XXXX  and my job wouldnt let me come back after I got out of XXXX and I was put on XXXX XXXX which made it kind a hard to go find a job so before I was able to get a job my truck was repossessed for not making a payment they still have my vehicle and if they would let me get my vehicle back I can get a job to be able to make their payments but I cant make payments on something When I do not have a job and I can not get a job because I do not have a vehicle to go find a job because my truck was repossessed if I could just get my truck back I could start by making payments I have a job I just have no way there

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 2019-08-05 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: FL

Complaint narrative:
They lowered my credit limit and stated it was because of what the credit bureaus notified them. I spoke to all 3 bureaus and they state they didnt. Ot notify them of anything as the company would have to request. I've heard of Comentity doing this to XXXX Americans quite frequently and it is very unethical. I have an extended fraud alert on all 3 files and I didnt give anyone permission to access my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA collections- from XXXX XXXX XXXX-have disputed and on XXXX it said it was accurate and will stay on my credit report but has been removed from XXXX  because it is, in fact, not valid. It is affecting my credit and want it corrected.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: VA

Complaint narrative:
Trans Union an XXXX continue to accept and report false information from XXXX damaging my XXXX, credit score. Account was closed as a charge-off and was a by=business account. They ignore repeated statements and copies which show its not my account. Also stop reporting false addresses for me. They have been sent numerous times supporting id documents with my correct address. XXXX is using a false address.

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 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened my Citi checking account under a promotion that said you would receive XXXX XXXX XXXX XXXX miles for fulfilling certain terms. I completed terms immediately ( spend at least {$400.00} on your Citibank debit or ATM card within 60 days of account opening and download the Citi XXXX app and log into your new account ) and then was supposed to receive miles 90 days after completing activities. I should have received the miles on XX/XX/XXXX, but Citi randomly closed the account on XX/XX/XXXX without my authorization and then denied my dispute for the promotion because they said my account was closed ( they also cited incorrect promotion requirements in the denial letter ). On top of this, they charged my a {$25.00} on XX/XX/XXXX and then closed my account a day later on XX/XX/XXXX. They said they couldn't refund me the monthly fee because the account was closed. But this seems pretty ridiculous, to close my account a day after the fee being charged and then saying i can't get refunded because the account is closed. 

Also! My husband opened an account under the exact same promotion, did the exact same things I did to meet the requirements, and he was able to get the promotional miles and the first monthly fee refunded as they never closed his account without permission. This is infuriating that a bank that took bailout money ( taxpayer money ) could then just take money from me like this.

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 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Ive been Wells customer since XX/XX/2013. I do have saving and checking accounts in Wells Fargo. I do also have brokerage account with them as well as the mortgage, and I receive my paycheck in that financial institution as well. 
I applied online to the wells Fargo Cash Wise Visa. When I read the terms and conditions there is nothing mentioning about requirements for certain or specific XXXX status in the US to be eligible. So I went ahead and applied. A few days later they sent a letter noted under # XXXX stating that my application was denied as for this reason : Not a permanent XXXX XXXX.On XX/XX/XXXX I went to the branch I have my accounts and the banker escalated this issue which was registered under # XXXX. Ten days later, XX/XX/XXXX Ive got a call from Wells Fargo advising that as per their internal policy they do not approve credit cards, unless they are secured credit cards, to people that are not XXXX XXXX or XXXX XXXX XXXX. 
My complain relates to the fact that I feel they are discriminating me in the treatment as there are other people with the same legal statues ( valid XXXX XXXX XXXX ) employed legally in the country that were able to get a credit card approved by the same financial institution. Also, if that is a true requirement for all applicants they should state it clearly in the Card Terms and Conditions form which I have with me. In the application they do not check my XXXX status and whether I have the right to stay in the XXXX  long enough to repay the debt.

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 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX XXXX I refinanced my House to pay off Debt. The mortgage was done with XXXX, ( Bankrupted XXXX ) The Closing company was with XXXX XXXX XXXX ( Bankrupt XXXX ) And the Title Insurance Company was XXXX XXXX XXXX ( Bankrupt XXXX ) Wells Fargo Home Mortgage who purchased the loan on XX/XX/XXXX and has serviced the loan until XX/XX/XXXX. I sold the House on that day and had found out that in XXXX I had paid to have outstanding debts paid for and settled to obtain this Mortgage. Satisfaction letters were never filed and were still open. I paid these debts which are shown on my Hud Statement. I  was able to obtain satisfaction letters for 2 of the 3 outstanding liens but the 3rd and largest for {$52000.00} to the House of XXXX XXXX has not been. ( Payoff Amount was {$25000.00} ) XXXX XXXX passed away in XXXX of XXXX. I am trying to find where the records of XXXX XXXX XXXX would be, who has possession of them? ( The closing company ) I need a copy of the canceled check to House of XXXX XXXX showing that it has been cashed and satisfied. More importantly if there is a Satisfaction letter in that file. My money is in Escrow and will remain there until I get this Satisfied. I was hoping that Wells Fargo would have the files and I could get a copy. I don't think they could find any of the files including my mortgage note .... Can you please help me with this matter??? I don't think that XXXX XXXX XXXX canceled checks and files would have been destroyed, but who has 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 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I recently called to cancel my XXXX XXXX card because I received notification of an annual fee. The bill I received prompting the call had a balance of roughly {$110.00}, to which I attributed late fees. 

I placed over 4 hours, wish I was exaggerating, between transfers one hang up to get resolution. The weekend of XXXX XXXX I spoke with a representative who assured the account would be brought to a XXXX balance and closed out. 

As of today I called and was told the account has a {$67.00} balance. I received a collection email. I also continue to have me credit diminished by Citibank. The only activity on the card in months was my youngest son 's unauthorized purchases on XXXX, which XXXX promptly refunded to the Citibank card in full.

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 2019-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 This company is reporting multiple collections accounts to my credit reports with incorrect balances/accounts that aren't mine

Company response to consumer: Closed with non-monetary relief