vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 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: GA

Complaint narrative:
XXXX, XXXX, Equifax, are all three-reporting different information on my credit report when it comes to my XXXX  XXXX credit card # XXXX. XXXX showing the company took a full right when they did not because I paid half in the settlement, so they did not take a full right off. 
XXXX - Is showing Payment after charging off. 
XXXX Is showing just charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: Sunbit, Inc.
State: GA

Complaint narrative:
I contacted the company in reference to a account reporting on my credit report. This account is reporting a {$400.00} balance and was charged off. I then reached out to the company SunBit in reference to these apparent allegations of me owing. I was told an account was made in a different state I do not live in and this was clear identity theft I would only need to wait till the department handling these type of inquiries was available. So I waited called back and started an investigation for identity theft. The company Sunbit tells me my claim has been denied and I have asked on a multitude of occasions how what information was used to come to that conclusion. No one responded to the email. No contact after informing me they would continue to charge me for something I never even signed or purchased. I need original sales contract with my signature and proof that I was identified before the creditor even used my ssn. I need your help CFPB I need them to be held accountable for these actions and a remedy for this situation so that my credit score does not continue to suffer because of it. I have over a 700 at every bureau except on XXXX which this company seems to be reporting this false information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
LVNV Funding continues to illegally report two collections account on my credit report. LVNV Funding attempted to sue me in court, in which they could not prove the alleged debts belong to me and the judge dismissed the case. They refuse to remove a debt that one does not belong to me, and two one they can not legally tie to me. Please investigate this company as they are not abiding by the FCRA. I will attach the docket for your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: GA

Complaint narrative:
Equifax is reporting I have a balance on my credit cards when both credit cards are both paid off. They have my credit score lower than it should be stating I still owe on my credit one card. 

Equifax is showing card XXXX with balance of {$470.00} XXXX balance- {$0.00} XXXX  balance- {$0.00} Equifax is showing card ending XXXX with balance of {$73.00} XXXX balance- {$0.00} XXXX balance- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: MD

Complaint narrative:
Transunion, this is my last warning about the XXXX account on my credit report. I have recently submitted a dispute concerning that account because they have reported a miss payment for XX/XX/XXXX with a past due amount of {$230.00}. It was the only miss payment on my payment history for the past 5 years that I have had that car loan. I have uploaded the payment receipt as proof of payment thinking that it will be resolved but it became worse than what it was. They added 3 more miss payments to my account. I dont know who does that, who is in charge of updating customers report from XXXX XXXX This person probably had a bad day and put his/her frustration on other people but they are messing with the wrong person. Until 2 weeks ago this account was current for the past 5 years with zero ( 0 ) miss payment and suddenly it was late in XXXX!?? They even said that it was late in XX/XX/XXXX while I have paid and have my receipt. Transunion DO NOT PLAY THEIR GAME! They are probably upset because I wrote a review on XXXX XXXX XXXX about them. I repeat DO NOT PLAY THEIR GAME! I hope this letter goes to a human being and not to a computer. At this point I dont even wan na talk to XXXX anymore since I filed a lawsuit in federal court against them yesterday. They wan na play? okay we will see if they will love it. I have proof of everything I say. I repeat, Transunion update my credit report as it was before that mess otherwise I will also file a lawsuit against you for voluntarily keeping inaccurate information on my credit report. I have already uploaded the proof on my previous dispute. Consider this letter as my last and final warning. As you can see, I am not scared of taking that XXXX to court. My lawyer is confident about the case and I am too, I have proof of everything I say. Again update my credit history how it was before XX/XX/XXXX and correct the XXXX miss payment otherwise I will also file a lawsuit against you. I am not scared of anything or anybody on this earth and the universe except GOD and he is by my side!

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 2023-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: AR

Complaint narrative:
I closed on this home XX/XX/XXXX. 
The loan was originally with XXXX XXXX, XXXX. On XX/XX/XXXX Planet Home Lending took over. I had already provided a tax exemption document from my local tax assessors office. The issue took 3 weeks to get resolved, the property taxes was removed. In the mean time the insurance side ( of Planet ) had to verify the HOI was done. It was verified and I received a copy of the insurance being paid ( {$2600.00} ) and cashed on XX/XX/XXXX. On XX/XX/XXXX Planet sent another payment for {$2600.00} to the HOI. Planet had no recollection of any previous payments. Although XXXX XXXX has already sent me a copy of the payment from XX/XX/XXXX. This put my escrow account in the negative approximately {$2000.00}. My property taxes finally got removed. The double HOI payment Im still waiting on a refund back. Now the property taxes have been added back on. When its already been verified of the exemption. Per Arkansas statue 26-3-306 this needs to be removed as I am a 100 % SERVICE connected PERMANENTLY XXXX Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
In XXXX and XXXX I was back and forth due to school campus closing, I remember my whole wallet being taken by an ex friend of mine I reported all my things stolen and had to get new everything. I have went into bank of American showed my Identification and everything and one person told me to pay a fee in order to reopen my account one which card was stolen I had the wallet case so my stuff was on the back of my phone and my code was my birthday this girl did me so wrong stole my things and now I am suffering for it thats not fair to me

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 2023-05-27 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: TX

Complaint narrative:
Experian is reporting Unknown unauthorized and Unrecognized items and disallowing me to submit disputes for unknown items causing irreparable harm and damage to my credit report. 
I have disputed the items on my report as they do not belong to me and I have no knowledge and yet they are still there. Other items are inaccurate.This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation Federal No Surprise law Act violation by XXXX XXXX and XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type Balance Date Opened Collection {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Typ Date Opened Status Collection XXXX XXXX XXXX  Collection account. {$700.00} past due as of XXXX XXXX XXXX {$700.00} XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Debt Buyer XXXX XXXX XXXX  Collection account. {$480.00} past due as of XXXX XXXX XXXX {$480.00} XX/XX/XXXX {$480.00} 0 % Status Updated Balance Balance Updated Original Balance Paid Off Monthly Payment Past Due Amount Terms Responsibility {$480.00}

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 2023-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
On XX/XX/2022 after doing an annual credit check I found charges of {$1900.00} from XXXXXXXX XXXX. I disputed this with Experian and they validated the debt. I don't know how. I never had an account with XXXX XXXX ever.

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 2023-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have used ZELLE to transfer funds from my XXXX XXXX XXXX  ( now XXXX ) checking account to a XXXX XXXX shared checking account for years, and never had a problem. 

I have also used the external transfer function to send money from my XXXX XXXX XXXX  ( now XXXX ) checking account weekly to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, but after XXXX XXXX XXXX became XXXX, they no longer offer external transfers free of charge, so I attempted to use ZELLE to transfer funds from my XXXX  checking account to my XXXX  account. For the record, the credit union ( XXXX  ) was previously established as an external payee with XXXX XXXX XXXX and remained after transition to XXXX. 

When I began using ZELLE to send money from XXXX  to XXXX several months ago, I received XXXX  confirmations that the money was in fact sent to XXXX, along with a unique transaction number ; however, those funds were being sent to XXXX XXXX instead. 

I have spent over two months trying to resolve this issue, making dozens of phone calls and meeting in person with representatives from XXXX, XXXX ( not part of this complaint ) and multiple times with XXXX XXXX. I also contacted ZELLE and was told they are a third party and cant help me because they dont have access to users accounts. 

After exhausting all resources available to me, and after a lengthy investigation by XXXX XXXX, all I know is that two sums were reversed by XXXX XXXX. However, as confirmed in the last two meetings with XXXX XXXX on XX/XX/2023 and XX/XX/2023, they can not confirm where reversed funds were actually deposited. 

So after more than two months, I am still missing {$75.00} ( {$40.00} + {$35.00} ) for which no records exist. I do not accept that money can simply disappear and can not be traced, recovered and returned to its rightful owner. 

Having spoken with multiple bank representatives and their fraud specialists, no explanations of this failure have been provided, but my own theory is that ZELLEs payee sign up process at the XXXX  site is deficient, allowing users to request transfers to one institution without flagging it in any way and then misdirecting those funds to another institution without the users knowledge or authorization. I have since learned that XXXX is not partnered with ZELLE, but the system did not detect that or provide that feedback to the user. 

The attached document indicates what transpired in date order, with XXXX  and XXXX XXXX communications side by side for easy comparison. It also includes confirmation of my XX/XX/2023 request to XXXX  to cancel recurring funds being misdirected to XXXX XXXX, but it apparently continued through XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
After months of issues with moneylion ( many of them resolved by submitting prior complaints either cfpb ), I paid off my moneylion loan. After over 30 days of moneylion not applying the payment, a rep for moneylion insisted the payment was lost in the mail and suggested that I would receive a negative credit mark if I didnt mail an additional payment ( although this delay in crediting a payment had accrued on each payment I had made prior, and moneylion continued to charge interest as they delayed crediting payments for more than 30 days ). Sure enough, after sending another payment, the original payoff suddenly appeared, resulting in an overpayment. 

Moneylion has not returned the overpayment nor have they returned overcharged interest despite hours of backnforth at my additional expense. 

Moneylion is now stating will provide no further updates nor have they returned the overpayment. It had now been around 90 days with no explanation or check.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX, XXXX 2023 my credit card was stolen. The were ( 18 ) unauthorized transactions totaling {$30000.00}. Discover stated that they have completed the investigation and could not say for certain that the transactions are in fact unauthorized. They stated that this is due to the fact that two of the transactions were made using XXXX XXXX. I'm not sure how this happened as my phone was also stolen so that means someone had access to my information. Since their recent determination, they have reinstated the fraudulent charges back on to my account. This means that my account is maxed out and will ultimately effect my credit score. I have updated Discover with the details of the scenario regarding my phone and they have pushed the case to further review, however the charges will remain on my account for the foreseeable future. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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:
I am writing to seek your assistance in resolving a matter concerning inaccurate information on my credit report, which has not been appropriately addressed by TransUnion. On XX/XX/XXXX, I contacted TransUnion to report the following erroneous entries on my credit report. However, I have not received any response or resolution to date. 
Account 1 : Creditor : XXXX XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$750.00} Account 2 : Creditor : XXXX XXXX XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account 3 : Creditor : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1900.00} Original Creditor : XXXX XXXX XXXX I want to emphasize that none of the above accounts belong to me, and it is imperative that they are removed from my credit report promptly. I have fulfilled my obligations as a responsible consumer by promptly notifying TransUnion of these discrepancies, but their lack of response is concerning. I believe TransUnion has an obligation to comply with federal law and investigate the validity of these accounts as per my request.

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 2023-05-27 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: BC SERVICES, INC.
State: TX

Complaint narrative:
XXXX  is report

ing Unknown unauthorized and Unrecognized items and disallowing me to submit disputes for unknown items causing irreparable harm and damage to my credit report. I have disputed the items on my report as they do not belong to me and I have no knowledge and yet they are still there. Other items are inaccurate.This dropped my credit score across all 3 credit bureaus  XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation Federal No Surprise law Act violation by XXXX XXXX and XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type Balance Date Opened Collection {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Typ Date Opened Status Collection XXXX XXXX XXXX Collection account. {$700.00} past due as of XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 % Status Updated Balance Balance Updated Original Balance Paid Off Monthly Payment Past Due Amount Terms Responsibility {$480.00}

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 2023-05-27 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: United Revenue Corporation
State: TX

Complaint narrative:
XXXX is reporting Unknown unauthorized and Unrecognized items and disallowing me to submit disputes for unknown items causing irreparable harm and damage to my credit report. 
I have disputed the items on my report as they do not belong to me and I have no knowledge and yet they are still there. Other items are inaccurate.This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation Federal No Surprise law Act violation by United Revenue and XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Typ Date Opened Status Collection XX/XX/XXXX Collection account. {$700.00} past due as of XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Debt Buyer XXXX XXXX XXXX  Collection account. {$480.00} past due as of XXXX XXXX XXXX {$480.00} XX/XX/XXXX {$480.00} 0 % Status Updated Balance Balance Updated Original Balance Paid Off Monthly Payment Past Due Amount Terms Responsibility {$480.00}

Company response to consumer: Closed with explanation