vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 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: CA

Complaint narrative:
XXXX XXXX is reporting incorrectly to Equifax ; XXXX and XXXX  a collection in the amount of {$4700.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I do not have a XXXX XXXX card. The date of last activity on this account was XX/XX/2014. This account is well over the statute of limitations ; does not belong to me ; and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I applied for title loan due financial hardship the loan was for {$1000.00} 2008 XXXX XXXX, I was told by XXXX that my payments were {$120.00} a month for 12 months and if I wanted to resolve loan faster to pay more I paid my monthly payments as told some months even more & when my 12 months was over I requested my title back and was told that I still owed {$1000.00} and that the {$120.00} was finance charges and did not go towards loan..I was mislead by terms of loan by XXXX who is no longer an Employee there I then reached out to the Operations Manager XXXX XXXX XX/XX/XXXX who advised that if I made a couple of payments in the amount of {$160.00} he will release my title so I did in XX/XX/XXXX I requested title again they refused and advised that I still need to pay {$1000.00} I have given this company over {$2500.00} to date & they still refuse to release my title and requesting more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: VT

Complaint narrative:
On approximately XX/XX/19 I opened up a checking account at MoneyLion under their " Pave the Wage '' promotion. The terms of this promotion are here : https : //get.moneylion.com/pavethewageterms/ After I opened the account, I " opted in '' to the promotion on their app by moving the button to the right on the pop up screen that asked if I wanted to " opt in ''. ( I actually opted in to the promotion on the app 3 times!. In retrospect I believe that their app was not functioning and did not record me as opting in ). 


I complied with all the rules of the promotion by sending my payroll direct deposit to MoneyLion for over 90 days. 


Since I, in good faith, complied with all of the terms of the promotion, I was expecting a bonus in the amount of {$270.00} ( 17 % of my initial qualifying direct deposit of {$1500.00} ). 


In short, I complied with all of the terms and opted in appropriately. I should not be excluded because MoneyLion 's software was not functioning properly. 


I called MoneyLion on XX/XX/19 and they are representing to me that I did not " opt-in '' to this promotion and I'm not on the " list '' to receive the bonus. 


I complied with all of the terms of this promotion and, in good faith, opted in ( several times! )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I made a hotel reservation for a work trip that stated it was non-refundable if cancelled more than 1 day after booking. My plans changed and I cancelled the reservation within 24 hours. The charge remained on my card. I contacted the hotel and they told me to dispute it with my credit card company. I did so in XXXX. In XXXX when I had not heard anything further I contacted Discover to inquire about the status. I was told the case had been closed in the merchant 's favor in XXXX. I asked why I was not notified and they said that they normally notify the customer. I told them I had provided an email from the hotel confirming the reservation was cancelled in the appropriate time and I was told to forward it to them and Discover would be refunding the charge " out of their own pocket ''. A week later I received an email from Discover to call in for important information about my account. I called and spent 5 hours on the phone with 10 different Discover employees, all of whom had no idea why I was asked to call. Finally I spoke to a manager who placed me on a conference call with the hotel and allowed the hotel manager to berate me and lie on the phone. When that was over the Discover manager laughed at me and stated that I would never get this money back then hung up on me. I then called Discover corporate and logged a complaint and asked for the refund I was told I would receive. 4 days later I received a call from someone else in corporate who told me they would not be honoring the offer of a refund and that the agents had been " spoken to ''. When I asked for a manager I was told there was no one further to speak to. When I asked to be transferred to the department to close my account I was hung up on. 

I have been told that Discover will refund this amount as they never notified me of the status of the case and subsequently been subjected to abuse by Discover and hotel employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: NJ

Complaint narrative:
I have sent 3 dispute letters to this credit bureau in the past 3 months revolved unverified information being reported in my credit report. I asked for an investigation and for a method of verification for the unverified accounts being reported and the credit bureau has not provided me with that information and is still reporting those unverified erroneous 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 2019-07-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In2018Iopenedapaypalaccount.MyemailaddressisXXXX.ImadeafewpurchasesontheypaypalaccountwhichIpaidmonthly.HoweverinXXXXIgotacallfrompaypalonwhichtheladyinformedmethatmypaymentwasmissing.Isaidthat'simpossiblemyaccountshouldbepaidoff.Shesaidyouhavea{$700.00}balanceIsaidnoshesaidwhatisyouremailIwentaheadtoverifymyemail.ShesaidnotitsXXXX,sheverifiedmylast4ofmysocial.Iexplaineditwasnotmyemailaddress.Shesaidtheywoulddosomeinvestigationandgetbacktome.SolastweekIgotacalllastweekmyaccountispastdueIwasIsaidimpossible.SheinformedmethatIshouldmakeapaymentbeforeThursday.Iwaspuzzled.TodayIreceivedacollectionletterfromXXXXstartingtheyarewillingtosettlemyaccountandthebalancewasXXXX.Withasettlementbalance.IcalledXXXXandshesaidtheverysameemailasmentionedearlier.Idon'tknowwhoemailitis,andcertainlynotmine.Thespellingofmynameiscorrectandaddress.ItriedreachingourtoPayPalreportthisfraudonmyaccount.Ineedhelpinresolvingthissituation.Thisisfraudagainstmysocialsecuritynumberandmycredit.

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 2019-07-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  is reporting that the account that was held by my wife and I was " discharged through Bankruptcy '' and it was not. The account ( {$110000.00} ) was sold to another lender prior to us filing for BK and last reported on XXXX by XXXX as it states on the credit report. The date we filed Bankruptcy was XXXX and as you can see there is no possible way it could have been included in the bankruptcy as it was filed one month after XXXX XXXX XXXX sold the loan to another lender. Even the new lender posted it as paid in full after we paid it off. I have disputed this information at least 4 times 2 online and 2 by phone and they will not take off the discharged through bankruptcy. This account was Paid in full and never late! The only thing that was ever changed was they added the words in the comment section Purchased by another lender. because of this it shows up as a negative item on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: CA

Complaint narrative:
XXXX XXXX  is reporting incorrectly to XXXX  ; XXXX and Transunion a collection in the amount of {$4700.00} on the XXXX  XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I do not have a XXXX  XXXX  card. The date of last activity on this account was XXXX, 2014. This account is well over the statute of limitations ; does not belong to me ; and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: CA

Complaint narrative:
XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX a collection in the amount of {$4700.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I do not have a XXXX XXXX card. The date of last activity on this account was XXXX, 2014. This account is well over the statute of limitations ; does not belong to me ; and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: CA

Complaint narrative:
XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$1700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account does not belong to me. I have contacted XXXX to resolve this issue and the representative I spoke with could not locate this account nor any account with my information. I asked the representative to please remove this account however, no action has been taken, nor have they contacted the bureaus to have this line item removed from my credit report. This incorrect reporting is harming my credit score and this line item needs to be deleted.

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 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
closed acct when i have fico that is excellent due to non-use and I never rec 'd notification and not one person will assist me - been given run around since then and after a complaint I rec 'd a call from someone at chase. They left a voicemail saying they were investigating my case but would be on vacation from X to X. ( I kept the vm ) - why call me then and then be unhelpful??? I called her back despite this on XX/XX/XXXX and left a message. Never heard from this rep again but another that called while I was at work and left a message -- I called back left another message and never heard a peep since. I guess having excellent credit does not matter to banks. I honestly just don't get what you have to do anymore. I pay all my bills, keep my credit clean and am treated like a serf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I have previously reported the company by the name of home @ XXXX because there is no way of communication and I have this account on my credit report for several years now the amount that is owed is XXXX and it has had a negative impact on my credit score please look further into investing this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: IL

Complaint narrative:
To whom This may concern I never was in ambulance and went to the Hospital and transunion and XXXX are reporting wrong information on my credit report. this is Identity Theft

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 2019-07-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have contacted Equifax and XXXX  about the unavailability of obtaining the reports. The customer service was no help, the chat function was no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 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: CA

Complaint narrative:
XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account does not belong to me. I have contacted XXXX to resolve this issue and the representative I spoke with could not locate this account nor any account with my information. I asked the representative to please remove this account however, no action has been taken, nor have they contacted the bureaus to have this line item removed from my credit report. This incorrect reporting is harming my credit score and this line item needs to be deleted.

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 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. XXXX XXXX XXXX  left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from XXXX admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. XXXX home loans has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they XXXX XXXX XXXX XXXX are now also reporting to my credit as a new foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. XXXX  XXXX XXXX left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from XXXX admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. XXXXXXXX XXXX XXXX  has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they XXXX XXXX XXXX ) are now also reporting to my credit as a new foreclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I contacted Capital One regarding a recent negative remark placed on my credit report and the company refuses to remove the negative remark and or honor the program offered to cardholders for payment protection. Capital One charged a fee each month for payment protection to cardholder that opted into the program. I contacted Capital One to receive the benefits of this payment program that I paid into for numerous month, when I faced hardship. Capital One informed me the payment program was no longer available. Capital One mislead its cardholders into paying additional fees each month and did not uphold their end of the agreement. I paid into a Ponzi scheme offered by Capital One in the hopes to protect my credit and payment history in the event of a hardship. Capital did not honor their end of the agreement, reported my account in accurately to the credit bureaus as a result of them not honoring the payment program and has not returned the fees the cardholders paid into the payment program that can never be used or redeemed. The payment protection program was a scheme to get money from cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have contacted XXXX and TransUnion about the unavailability of obtaining the reports. The customer service was no help, the chat function was no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
According to my credit report I have a balance due to Credence resource manage for {$620.00} however I have not been notified of this debt and I am not aware of whom XXXX XXXX is I would like to dispute this claim due to insufficient information regarding whom the debt is with. Also this debt if over 5 years old/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
see Application ID XXXX and Application ID 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 2019-07-16 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: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXXXXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief