vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 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: MoneyLion Inc.
State: NC

Complaint narrative:
I recently pulled all 3 of my credit reports on XX/XX/XXXX. I immediately recognized an account that I had no knowledge of whatsoever. On XX/XX/XXXX, MONEYLION INC, added a derogatory mark on my credit report via XXXX, XXXX and XXXX. On XX/XX/XXXX, I sent a certified debt validation letter to the companys address being reported under the debt. On XX/XX/XXXX a representative of moneylion by the name of XXXX called me. I let her know I sent the validation letter and through usps certified mail, and got confirmation of receipt on XX/XX/XXXX, XXXX however they had still not responded. She stated that MONEYLION INC does not respond to mail via mail. I asked if she could send me validation through email and she did. Attached were two documents, None of which contained A written signature for them to claim this debt to be mine. A contract or agreement without a WRITTEN signature does not validate a debt, Anyone can type a name in a box  and claim it to be mines. According to the FCRA, MONEYLION INC has  violated my rights as a consumer and I am requesting legal action to remove it from my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Since COVID I have been on credit card payment deferment. Equifax, XXXX  and XXXX have all lowered my Score which is now making it difficult for me to aquire a new mortgage. There should be taken into account and not used to hurt the consumers. I am on time with everything and i dont just pay the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never have criminal record and I dont have stolen identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They closed my secured card and told me To Reapply when I Do their system says u have Account which I dont they sent me a letter which doesnt make sense why cant I have another account if they told me to Reapply

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: MI

Complaint narrative:
On XX/XX/XXXX I have noticed that there are some erroneous information on my eport and I have contacted the 3 major bureaus regarding this information. I have been working diligently on my credit. It has been very tough during this pandemic and trying to keep up with the finances an all but I have contacted the creditors in relations to the errors that were made on my report and I have not seen a change I am requesting that all the items that are being disputed be removed immediately due to the COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: MI

Complaint narrative:
On XX/XX/XXXX I have noticed that there are some erroneous information on my eport and I have contacted the 3 major bureaus regarding this information. I have been working diligently on my credit. It has been very tough during this pandemic and trying to keep up with the finances an all but I have contacted the creditors in relations to the errors that were made on my report and I have not seen a change I am requesting that all the items that are being disputed be removed immediately due to the COVID 19

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This is not my account and I'm unware of this debt and did not have the opportunity to dispute, so please delete. 
Also, provide the following if required : Assignment of debt Method of verification Validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This is not my account and I'm unware of this debt and did not have the opportunity to dispute, so please delete. 
Also, provide the following if required : Assignment of debt Method of verification Validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2017, Capital One Bank added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Capital One Bank did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. Although the collection was paid in full, a bill without a signature does not validate the debt and anybody can send a bill and say it is mines. According to FCRA, Capital One Bank has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I paid off my loan on XX/XX/XXXX with a cashier 's check. Ally confirmed receipt of the payment, and told me they mailed the lien release on the same day. I told them the dealership where I traded in my vehicle needed a lien release right away, so Ally told me they would FAX a lien release to the dealership on XX/XX/XXXX. On XX/XX/XXXX, I called them and informed them the FAX was not received. They said they would FAX it again that afternoon. On XX/XX/XXXX, I told them I had not received the mailed lien release. They told me I should receive the mailed lien release by XXXX. On XX/XX/XXXX, I received an email confirming that the lien release had been mailed, and I should expect to receive it within 7 days. 
On XX/XX/XXXX, I called them and let them know the FAX still had not been received by the dealership. The agent said she would send the request to another department and they would FAX the lien release in 1 to 2 days. On XX/XX/XXXX, the faxed lien release still had not arrived. I called Ally and they said the FAX request was currently being processed and the dealership should receive it by XXXX XXXX the same day. On XX/XX/XXXX, the XXXXAX still had not been received. I called Ally, and they told me they needed another 1 to 2 days to process yet another FAX request. I asked to speak to someone in the Consumer Relations Department.

So far, this was one request for a mailed lien release, and four requests for a faxed lien release. 
The Consumer Relations Department told me that either on the XXXX or XXXX, I would be able to obtain the lien release by logging in on their website. On the XXXX, I called Allys Consumer Relations Department again. They told me I needed to wait yet another 1 to 2 days before I could access the lien release. In the meantime, the mailed original still has not arrived. Every time I speak to them, they tell me they must send my request to another department, and it will take another XXXX to 2 days for the request to be processed. Over and over again, I have done this, to no avail. 
Here I am, three weeks after paying off my loan with a cashiers check, and I still do not have a lien release after repeated promises to provide one for 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 2020-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TN

Complaint narrative:
My entire account and the funds are frozen and the debit card attached to account has been closed. I over the course of the night if XX/XX/2020 a deposit from Texas XXXX XXXX was received and successful in applying to account balance the. the action against the account was immediately taken based on the account receiving funds from Tennessee prior to this date. I provided the specific account services team with a copy of eligibility questions from each state, deposit correspondence from each state, my ID, and other correspondence on the date of freeze. I have been unable and told that this team only communicate by email. Issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I opened a checking and savings account with Chase at the very end of XX/XX/2020. For doing this, I was given an offer where I would receive {$600.00} if I deposited {$15000.00} in the savings account and received a direct deposit in the checking account within 90 days of account opening. My direct deposit was supposed to go into the account on XX/XX/2020 but Chase had already closed the checking account ( they say this is due to 60 days of no activity in the checking account ). They are telling me they can't re-open the checking account and I no longer qualify for the {$600.00} offer they advertised. Since Chase closed my account due to lack of activity, my paycheck from work is now delayed because it has no account to be deposited into. Furthermore, Chase is now refusing to give me the {$600.00} offer for opening these 2 accounts. Why would they close the checking account prior to the 90 days I had been allowed to receive my first direct deposit? I want the {$600.00} offer because I did everything according to the offer and I want reparations for them delaying my paycheck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
This is at least my 3 complaint against Fay Servicing Only XX/XX/XXXX I requested a refund of XXXX which I noticed was in my escrow account which I never requested. I have followed up with my account manager several times via email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Now I am being told I have to call XXXX XXXX for more information, I have provided my number and have not received a return call and when I try to call her all I get is a voice recording while other agents say they will have her call. They very least they could send a message through Fay Servicing portal. 
This is why my account is past due and they are charging me late fees and reporting my account past due to credit bureau. I have attached documentation that I believe is important to resolving this issue. 
Keep in mind I have requested an escrow account, I pay my real estate taxes directly to my county at the end of each year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express is not properly investigating a dispute I opened twice regarding an item I returned for a refund. I have documentation regarding the return and the receipt of a successful delivery / return tracking number. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX Laptop from the XXXX store which had a defective screen. Shortly after I requested a return through the XXXX XXXX and was given a UPS shipment label with tracking number # XXXX. 

With this tracking number I returned two of my defective XXXX XXXX 's, only one of which I was refunded. ( There was a third return as well, due to yet another faulty laptop on XX/XX/XXXX however that was already refunded. ) American Express seems to be getting confused due to the multiple purchases and refunds, however only 2 of my 3 laptops were refunded despite all of them being returned and successfully delivered to XXXX. 

XXXX Store Returns : NOT REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) Again, all 3 of these laptops were returned but I was only refunded for two.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/2020 my uncle sent me {$200.00}. On XX/XX/2020 Cashapp locked my account due to what it called suspicious activity. I contacted Cashapp to request the account be unlocked. I explained that I need my money to pay rent. Cashapp hasn't responded and still have my account locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Since COVID I have been on credit card payment deferment. XXXX, Transunion and XXXX have all lowered my Score which is now making it difficult for me to aquire a new mortgage. There should be taken into account and not used to hurt the consumers. I am on time with everything and i dont just pay the minimum.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Since COVID I have been on credit card payment deferment. XXXX XXXX and Experian have all lowered my Score which is now making it difficult for me to aquire a new mortgage. There should be taken into account and not used to hurt the consumers. I am on time with everything and i dont just pay the minimum.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I was charged {$500.00} for an external only appraisal by Rocket Mortgage. I have asked them to provide something to show that this amount is correct as it seems excessive and unreasonable for an external only appraisal. They have ignored my various emails and have not assisted in validating this charge at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2020 I faxed XXXX XXXX from Fifth Third Bank a copy of the Promotional Inquiries and Account Review Inquiries of my XXXX XXXX Credit Report. My XXXX XXXX Credit Report does not show an inquiry from Fifth Third Bank on XX/XX/2020. I received a letter from XXXX XXXX stating that " Our research found that when we review a customer 's credit report for a possible credit limit decrease or increase, the credit inquiry is a soft inquiry, which does not impact a customer 's credit score, and does not appear on a customer 's credit report. 
I feel this information is not true. My XXXX XXXX Credit Report shows Promotional and Account Review Inquiries which all are soft inquiries. I would like XXXX XXXX to provide me a copy of the soft inquiry credit report she received from XXXX XXXX on XX/XX/2020. 
If she is unable to show me a copy of this soft credit report from XXXX XXXX she received on XX/XX/2020, I would like her to explain why my credit card credit limit was decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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, know that this information is incorrect on my credit report. 
I have disputed this information over 11 years ago. This account was not open XX/XX/XXXX, documentation can be provided, on this day I was in OHIO, checking on my son with my husband, We still have our plane tickets. 
Equifax, and XXXX received a cerifited letter XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( my 5th dispute ) This item has been on my credit report more than 10 years but Equifax just keep updating it with the wrong date the account was open XXXX XXXX XXXX XXXX XXXX, XXXX ( 5 yrs, 4 mos ) -- - I was never in the office XX/XX/XXXX, XXXX out of the state The account could not been open on this date, due to the fact I can provide more information that it was dispute over 10 times within the last 12 years. 

Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Tried to make a payment on their mobile app and it selected the wrong financial institution to pull the funds. The Mobile app did not use the primary bank and now the bank they chose is charging us an insufficient fee charge of {$39.00} every time the credit card company attempts to retrieve payment. Both the credit card company and the incorrect bank have been made aware of this several days ago but neither will stop the process and each continues to charge me insufficient fund fees and return fees, which are adding up to hundreds of dollars. Neither institution is doing anything to stop it even though they know so they can continue to collect these fees. The credit card company is American Express and the bank that is charging the insufficient fund fees is XXXX XXXX. Both say the other institution is responsible for stopping the attempts for payment but both say they cant. American Express has received payment from the correct bank but continue to try and collect the money from XXXX XXXX and they claim there is no way we can stop this once it starts, it just has to go through its attempts which is 3-4 times. Every time they try, XXXX XXXX charges me {$39.00} in insufficient fund fees and American Express charges {$29.00} in return fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: MN

Complaint narrative:
XXXX 's assessed late fees to my account in error which subsequently resulted in a massive charge of late fees and inaccurate reporting of late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In XXXX, I was laid off my job. I immediately contacted AMEX regarding my Platinum card. They advised that they would help me establish a payment plan and the card use would be placed on hold. Until this juncture, I had been a current customer for almost 5 years. A positive and lengthy history. 

The arrangement was to pay monthly and all past due balances needed to be paid in full by XX/XX/XXXX. I satisfied this payment arrangement and AMEX waived the XXXX annual fee but restricted access to credit to a {$1000.00} dollar limit on this card. This is a high annual fee card, {$490.00} a year. I asked when the {$1000.00} dollar limit restrictions would be lifted. I was advised I needed to provide another year of history. 

A year later, XX/XX/XXXX, I had to pay the {$500.00} annual fee but AMEX still has not removed the {$1000.00} limit restriction. They also will not provide an estimate of when they will remove any internal credit limit restrictions. Additionally, for the year of XXXX, they incorrectly reported to the credit bureaus that I was under a payment arrangement. The payment arrangement was satisfied over a year ago. I had 1-30 day past due over a 5 year history and this is being considered a negative on my credit reporting due to how AMEX is improperly reporting my credit history.

Company response to consumer: Closed with explanation