vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was set up with XXXX XXXX on auto pay, Payment of {$100.00} was withdraw from my account. Apparently I got short {$29.00}, which I was not advised about at all. I didn't get any email, txt or phone call that I am short {$29.00}. 
I am enrolled in all communication services with XXXX XXXX. 
They have reported me for late payment to credit report which effected my score dramatically. 

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 2019-07-17 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: PA

Complaint narrative:
Experian did not fully investigate nor provide and factual acknowledgement of proof of accurate details, they did not send me any physical proofs that I signed anything on a XXXX XXXX account, I never had nor purchased, nor signed for any product ... absolute fraud, and they are suppressing my credit score causing me financial stress due to it ... XXXX XXXX has been removed by XXXX XXXX, and XXXX..and my fiche score is XXXX and XXXX reflectively, Experian who never answers their phones, a violation under federal code ... has my score at XXXX when I have never missed a legitimate payment of mine ... always on time ..they also are holding a fraudulent account, XXXX XXXX in my file, which is completely erroneous, as well as a company or bank name XXXX XXXX XXXX. who I did not purchase a XXXX thing from ... complete fraud ... Ive filled out fraud packets for all of them in XXXX of 2015

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 2019-07-17 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: OH

Complaint narrative:
Experian and XXXX are reporting incorrectly 120 plus days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 21 and 22 of the attached credit report. ) I have scheduled recurring payments on this account with XXXX XXXX. Payments are taken out on the XXXX day of every month. Attached is a copy of the confirmation of payment from XXXX XXXX Customer Service. These late payments appearing on my credit report are false. I make timely payments and have not missed a payment. This incorrect reporting is harming my credit score and these lates need 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 2019-07-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
this complaint is with direct express. this is not the first time. since recieving ssi benfits from XX/XX/XXXXhave already had id theft 2x which both times i was n the hospital for XXXX attemps. but only one time was i given back any money. sinceXX/XX/XXXX i had lost my card and because my account with direct express is flagged i hve to go to social security if i want any changes with direct express. so the XXXX the XXXX the XXXX and the XXXX i went to social security so they can call and get me a new card which i did the next day delievery which is 2 days and repeatedly had to go back to ssi cuz the card never came and was still charged the expidite fee 2x and a fee for new card. then XXXX while i was at social security canceling the card and having them send me a new card ups delievers the card but the lady at social security says that to just throw it away cuz its no good but it was already thrown away by th time i got to my mailing location. so when i got my new card i was suppossed to have XXXX but had XXXX ive tried to call direct express but with the lawsuit against them i cant ever get thur

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My mortgage servicing recently ( last 60 days ) changed from OCWEN to PHH mortgage services. 

I have not received statement just that I need to make a payment warning letter for more than I am suppose to pay, when I try to make a payment on line it wont let me, also they initiated a payment with out my authorization from info from past servicor. 

I have been disconnected dozens of times, I can not get any one to help, and fear I will get a mortgage late on my credit. Less than a year on the remaining term, they hang up on me and are trying to force me to pay double or they will not take my payment. They will not address my concerns and will not send me a statement in the mail. 

Please help they are trying to force me to pay wrong amount or ding my credit, the system on line does not work, I have tried many times to pay, as I write this I have been on hold for 140 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services
State: TX

Complaint narrative:
I have a credit inquiry on my credit report from Lendmark on XX/XX/XXXX that I do not recognize. I contacted Lendmark on XX/XX/XXXX to find out why I have this credit inquiry on my credit report and they did not respond. 

They have not provided me with any documentation or proof showing that I allowed them to inquire about my credit. This credit inquiry needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Medicredit inc is reporting I owe {$1900.00}. 
I have never received a bill or any notification that I owed such an amount I have written the company to request proof of debt with no response.

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 2019-07-17 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: OK

Complaint narrative:
Transunion and XXXX  are both reporting 60 late payments on my student loans which is not correct information. I contacted both student loan company 3 times and Transunion and XXXX  they have not taken care of the issue even after I submitted the notice I received back in XX/XX/2016 on my student loan forbearance. From XX/XX/2016 until XX/XX/2016 over 14 accounts are showing up late and it’s hurting my credit profile. I’ve called both customer service, disputed online, and sent letters to both Transunion and XXXX. Credit report still shows no update to this problem.

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 2019-07-17 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: Colony Brands, Inc.
State: PA

Complaint narrative:
XXXX did not fully investigate nor provide and factual acknowledgement of proof of accurate details, they did not send me any physical proofs that I signed anything on a XXXX XXXX account, I never had nor purchased, nor signed for any product ... absolute fraud, and they are suppressing my credit score causing me financial stress due to it ... XXXX XXXX has been removed by XXXX XXXX, and XXXXand my XXXX score is XXXX and XXXX reflectively, XXXX  who never answers their phones, a violation under federal code ... has my score at XXXX when I have never missed a legitimate payment of mine ... always on time ..they also are holding a fraudulent account, XXXX XXXX  in my file, which is completely erroneous, as well as a company or bank name XXXX XXXX XXXX. who I did not purchase a XXXX thing from ... complete fraud ... Ive filled out fraud packets for all of them in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This phone calls for closed credit card account. Explained to the person credit card account is more than 10 years old and this account is closed about 2 yeas ago.

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 2019-07-17 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: PA

Complaint narrative:
Experian continues to allow a charge off or negative account info over a account that is erroneous and factually incorrect, in XXXX I disclosed and sent fraud forms signed and notarized to XXXX XXXX XXXX..over purchases made on my prior credit account with XXXX, I did not purchase the tires and disputed it, they closed account ..then last year reported it as a charge off ... when I never purchased anything personally, nor do they have my signature of it ... Experian continues to list this , even though XXXX XXXX and XXXX have both removed it  ... thus low balling my credit fiche score ... almos 100 points below both above stated, my score is XXXX XXXX XXXX, XXXX XXXX reflectively ... Experian has me at XXXX XXXX Very low for my excellent record ... they also have no customer support, they do not answer phone, and hang up ... after you await transfer ... total scam

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 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
PHH Mortgage Services Address : XXXX XXXX XXXX, XXXX. XXXX NJ XXXX XXXX is/was the servicer of my conventional mortgage on my personal residence located at XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( Loan # XXXX ). 

Mortgage serviced by PHH was paid off on XX/XX/XXXX 20 days ( excluding holidays, Saturdays and Sundays ) expired on XX/XX/XXXX While Ive been told a check was issued on XX/XX/XXXX, it is now XX/XX/XXXX ( 36 days, 25 days excluding holidays, Saturday 's and Sunday 's ) and I still have not received a refund of my {$2900.00} escrow  balance Ive asked multiple times ( via calls in XXXX and XXXX ) to be provided a copy of the check, a check number, the payee, the address that the check was mailed to etc. without receiving a response Ive also asked that a stop be placed on the " supposedly '' issued check and asked that these funds either be overnighted to me, ACHd to me or wire transferred to me without receiving a response I believe PHH Mortgage Services to be in violation of Part 1024 Real Estate Settlement Procedures Act ( Regulation X ) Subpart C Section 1024.34 ( b ) ( 1 ) which stipulates that within 20 days ( excluding legal public holidays, Saturdays and Sundays ) of a borrowers payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicers control I believe PHH Mortgage Services to be purposely engaging in delaying disbursement of MY escrow funds to enhance their profitability.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have filed a complaint before back in XX/XX/XXXX about Kia Motors Finance. After I filed that complaint the company took the negative marks off and even the debt itself like they said they were. Well they putt is back on in XX/XX/XXXX and this time they put that it was 30-59 days late in XX/XX/XXXX and them 60-89 days late in XX/XX/XXXX on my XXXX report. On the XXXX report they have reported closed and charged off as bad debt. On XXXX, they reported closed deragatory charge off. 
Those late payments and bad remarks have caused my credit score to go down over 150 points. I spent over three years to get my credit score over 800 and now it is XXXX. I am hurt because credit is everything and you cant do nothing without it. 
I had to once again put my home improvement project on hold because of the bad hard hit to my credit by Kia Motors Finance. 
When I reached out to them they told me that because the payment was due on the XX/XX/XXXX of the month and I paid it on the 1st cause them to report 30-59 day and 60-89 days late on my credit and that is so wrong and messed up on so many levels. I did not ask for my car to be stolen or anything to this nature but Kia Motors Finance is making it their priority to hurt my credit and I have been sticking to the payment plan that they gave me. I started with XXXX and now the balance is XXXX but they still feel the need to hurt my credit while I sticking to the payment plan. 
I know everything has policies and procedures but my car being stolen out of my driveway was very unexpected and i didnt have XXXX laying around to pay in full. That is why I put myself on a payment plan with them. Every time I call them its new information given to me and new things they keep telling me that I never knew in the beginning. 
The car was stolen in XX/XX/XXXX and I am still dealing with this and its like Im still getting punished for something that was beyond my control. 
Now when I ask them why did they put it back on my credit after they took it off and they could not tell me why. I am really sick of this. The next payment of XXXX is due on the XXXX. I am not trying to get out of paying. I just want them to report what is correct and have a little XXXX for people that this happens to cause we dont ask for this to happen to us at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My identity was stolen and misused. I complained to the FTC. My complaint ID is XXXX. The account and inquiries listed below do not belong to me and must be removed immediately. 

Fraudulent Account : XXXX XXXX {$1700.00} Opened XX/XX/2017 Fraudulent Inquiries : XXXX XXXX XXXX, XXXX/XXXX - XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
With this credit card company they keep hitting my credit reports with how they are lowering my limit but everytime they do this I am not showing that I am way over my limit. A example they are saying my credit card limit is {$1800.00} but I am {$1900.00} over and saying my promotional ended but I never recalled anything being promotional or adding on late fees when I have always paid on time. I keep getting notifications everytime they lower it but now it looks like im over spending cause of this. The company completely ignores my emails addressing my concerns. I am not the only person who has issues with this company also. 

This is care credit card

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 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received email from XXXX that my credit score went down to XXXX points. due New Credit Inquiries from XXXX XXXX XXXX. I have contacted them but no resolution. I have never filled for credit card or loan for the past 4 years. So please assist in removing this from my Credit score. Thank you.

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 2019-07-17 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: OH

Complaint narrative:
XXXX  and Transunion are reporting incorrectly 120 plus days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 21 and 22 of the attached credit report. ) I have scheduled recurring payments on this account with XXXX XXXX. Payments are taken out on the XXXX day of every month. Attached is a copy of the confirmation of payment from XXXX XXXX Customer Service. These late payments appearing on my credit report are false. I make timely payments and have not missed a payment. This incorrect reporting is harming my credit score and these lates need 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 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: NY

Complaint narrative:
Received a notification from XXXX card that there was a change in my credit score. My score went down over 50 points. Went to the XXXX website and there is a collections account with Perfection Collections for over {$2600.00}. I immediately called them. The lady XXXX asked if I ever lived at XXXX XXXX XXXX. I stated no, my ex husband lived there. She stated she was going to email me a paper and she would request the original paperwork from XXXX XXXX, it would take 24 hours. I received the email and immediately called her back. Asking why my name was spelled wrong. She said that is how the name was spelt with XXXX XXXX. I told her that is how his new wife spells her name. That I would never spell my name wrong. I have never heard back from them. I have left voicemail, sent 3 emails now, sent a letter through the mail. I tried to dispute it with XXXX, but Perfection collection said it was valid. The paperwork I have seen says the debt was charged off in XX/XX/2010.

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 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I I received a letter in the mail from national enterprises systems for a debt from XXXX for {$1700.00} I try to contact the collection agency waited online for one hour when the person came to the phone Ive tried to let them know that the account was not mine and they hung up in my face instead of trying to contact them again I got online with the help deck For XXXX XXXX and was referred to XXXX website to file a personal dispute

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 2019-07-17 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: CA

Complaint narrative:
I signed up for MoneyLion 's promotional offer based on their Pave the Wage promotional campaign. The promotional offer was to receive 17 % of your direct deposit if you did the following : 1. Join MoneyLion 2. Set up a direct deposit of $ XXXX 3. Opt in to bonus 4.  Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit Right after opening the account I called up Moneylion and confirmed that all I needed to do was to wait for the bonus offer to show in the app and then opt in on the  mobile app to be eligible. I was able to do this a couple days after opening the account. Then I set up my direct deposit such that first deposit hit my MoneyLion account on XX/XX/2019. I continuously deposited the same amount ( or higher ) biweekly to meet the bonus requirements. 

After 90 days had passed I failed to see any bonus posted to my account. I called up MoneyLion and asked them what was the delay. Their response was I hadn't opted into the bonus offer as no email had been sent to my email account as is apparently customary. I mentioned I had followed their exact directions when I called them up when opening my account. There was no mention of a special confirmation email. Moneylion 's response was they wouldn't abide by the terms of the offer since no email existed.

This entire situation has been a scam. Moneylion heavily used gender equality to market their financial services and get lots of publicity. Then when the time comes to pay out they can renege on their offer saying there is some app or backend system issue and they don't have to abide by their contract. This is straight-up fraud. They may have pulled the same stunt on others as well.

Company response to consumer: Closed with monetary relief