vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
They were told that someone without permission using my card account number and I file the disputes right away and they didnt want to help me with the disputes and closed my account out and refused to refund my money back or anything else and also someone send me a XXXX XXXX  payment and I transfer it to my account and they refuse to let me have it and told me that I dont have the right spelling of my name from the sender so I told them if I can not get my money then please refund it back to the sender account and they told me that they cant do that because its a security reason and they are keeping it until they figured out what they want to do with it all this is totally wrong and I dont know what to do about this anymore but Im being scammed and robbed by this company called NetSpend please help me with this matter they have taken {$860.00} from me and dont want to return my money back to me thanks for your help looking forward to hearing from you guys soon XXXX bless

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 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I was charged for a Moneylion membership fee and loan payment in XX/XX/2019. I notified my bank that this was fraudulent charges as I'd never heard of this company or applied for a loan. My bank issued me a new debit card and canceled the payments ro this company. This account is still listed on my credit report and is hurting my credit score. I have never requested or received funds from this company. I called the company Moneylion and XXXX, who I spoke with, asked for all my personal info. I gave her the info I felt was pertinent and she stated a fraud claim would be filed. She said their fraud department would contact me via email to complete investigation. No email has been received. I have worked very hard to maintain a 100 % payment history and this company is ruining this and my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/19, filed a dispute with Equifax regarding the XXXX XXXX payment history not reporting correctly. On XX/XX/19, Equifax sent results stating the investigation was complete and they verified with the XXXX  XXXX that the data was reporting accurately as " in deferment '' However, Equifax refuses to report those months as " current '' on my credit report. 

I called XXXX XXXX on XX/XX/19 and requested a letter that would include the payment history. I was told that the letter would take several weeks to receive. XXXX XXXX verified via phone that they submitted the data to the credit bureaus for the months that I was " in deferment '' as current. 

Equifax refuses to update my credit file. I am still awaiting the letter from XXXX   XXXX to send to the credit bureau and will forward the letter from XXXX XXXX when I receive it. If Equifax does not update my credit file, I will exercise my rights to file a law suit against the company for inaccurately reporting this account on my credit file. 

I am attaching a letter from XXXX XXXX regarding the forbearance letter stating that interest is still accruing on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
AmeriHome Mortgage Company LLC failed to pay my homeowners insurance premium despite collecting the money from me in escrow. When alerted of the failure multiple times including by phone and escalating within the company, they have failed to resolve the situation, resulting in cancellation of the policy. A written request on their online portal has not yet been responded to, ever, after 22 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was informed by my credit card company my credit score changed. I checked my score snd it had dropped 90 points! A collection was posted to my credit reports I had no knowledge of. I immediately filed a dispute with XXXX XXXX and then called the collection agency ( Transworld Systems ). I told them I had no knowledge of the debt, and they had not ever contacted me. The alleged debt was from 1988 in Ohio ( Ive lived in  California for over 17 years. TSI first told me to file an identity theft report with the police, I said that was ridiculous and asked for a supervisor. I filed a dispute with TSI and am totally repulsed by their slipshod, fabrications attempting to collect debt. I have no derogatory remarks on my reports for almost twenty years and will not yield to these devious tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I received notification that I have an account with diversified consultants in regards to an account with XXXX XXXX XXXX, the problem is that I still have an open account with currently with them but they are still reporting inaccurately. I have paid off this balance because I didn't want it to continue to have this inacurrate account on my credit report. The amount that is reporting is {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
In XX/XX/2018 I had mail stolen and the suspect attempted to open an account with Walmart/Synchrony Bank on XX/XX/XXXX. I contacted Synchrony Bank and they immediately closed the application and said the inquiry would be removed from my XXXX credit report. I contacted them again in XX/XX/XXXXwhen the inquiry was still on my report and they said it will be taken care of within 30 days. It remains on my credit report to this day. 

I contacted XXXX and disputed the inquiry and their investigation determined this was accurate and did not remove it. I filed a follow-up complaint XXXX never responded to.

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Different addresses are reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I created an account with American Express Serve, they suspended my account in XXXX, and have not disseminated any information as to why they suspended my account, nor released the funds that are currently sitting in that account. 

Timeline  : XX/XX/XXXX - Added {$200.00} to the account XX/XX/XXXX - Added {$200.00} to the account XX/XX/XXXX - Was locked out of account, noting an issue with my email/password ( est. ) XX/XX/XXXX - Called the customer service line, was originally told that it was a security issue but they were unable to unlock the account. I was passed off to another rep and they told me that they couldn't unlock my account either. 
XX/XX/XXXX - Received an email notifying me that my account was locked, and account privileges suspended due to violating terms 15b of their agreement. No other information in the email noted why my account was suspended or what 15b was. 
( est. ) XX/XX/XXXX - Called to resolve matter, was told again that my account privileges were suspended for violation of 15b. When asked what that was, they responded that they couldn't tell me that information. I was told that they would send an email with more information in the next couple of weeks ( this email did not come ). I requested to have the account closed and release the funds. I was told that they would email me with information regarding the case ( this email did not come ). 
XX/XX/XXXX - Called again to Identify what the hold up was with the release of funds. I spoke with XXXX whose extension was XXXX, and whose manager 's name is XXXX. I notified them that I had requested to close my account and that the {$400.00} in funds were not released. She assured me that they would handle the situation and that they would report it to the appropriate team. I requested to speak to said appropriate team, and was told that was not possible, they are not reachable by phone. She said that I would receive notice on the release of funds with 1-2 days. I let her know I would reach out to the CFPB in the event that they did not release the funds in 2 days. 

I have also received weekly account updates from Serve, notifying me of the {$400.00} that is sitting in my account. 

Any time I have attempted to call to get information, I have been assured they would fix the situation, and then I receive no mail, no email, no notice on why the account privileges are suspended and my account is locked, allowing me no access to the {$400.00} that I put in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: AR

Complaint narrative:
I checked my credit report and there are some accounts that I don't have any association with the accounts are fraudulent 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 2019-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
I debt was paid as agreed and on time. They show it as COLLECTION ACTION PAID. That is not accurate. That needs to be removed from all credit reporting agencies XXXX ALPINE CREDIT INC # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I started to request requesting my PMI to be taken off my account. Each time i have to reach out to a generic email box. I have now been trying to work this out with them since XXXX and i have had to make 5 payments as a result. It literally takes 25-30 days for anyone to respond in between each 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 2019-04-26 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: IL

Complaint narrative:
I talked to Transunion credit reporting agency about getting my credit report and credit score. The agent along with his supervisor XXXX employee ID XXXX  denied me my free credit report along with my score. According to the Fair Credit Report Act a individual is suppose to be able to obtain one free report and score annually. I told them I don't have access to my old account login that hasn't been used since 2016 and they still denied me service. When I ask to speak to another supervisor and ask for a number to call he denied 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 2019-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX has been trying to collect debt that does not belong to me i have requested proper validation and which XXXX has refused to give me all they say its verify well i have a right to see what they call verify they have failed to provide me this information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent USPS certified mail to TD Auto Financial,  XXXX, XXXX and XXXX containing a letter of dispute, a copy of my XXXX and XX/XX/XXXX XXXX XXXX statements and a copy of my XX/XX/XXXX XXXX XXXX XXXX telephone bill. 
Only XXXX responded to my letter of dispute.suppling further evidence of error by TD Auto Financial. 
XXXX, XXXX and TD Auto Financial never responded to the dispute sent them. 
On XX/XX/XXXX I called TD Auto financial authorizing and/or scheduling a {$350.00} payment to be taken on XX/XX/XXXX with my debit card. ( See XXXX XXXX XXXX phone bill ) TD Auto Financial and/or the subcontractor they use to process phone payments with debit cards claimed that they tried to process the payment but could not because of NSF in the account. I provided copies of my XX/XX/XXXX bank statement showing that I had over {$5000.00} in my account on XX/XX/XXXX and No NSF 's in the history of my bank account. Subsequently, claimed I was 30 days late due to their failure to process my payment properly. I tried to set up automatic payments with TD Auto Financial only to recieve 4 late charges because they did not process the payments properly. Whereby, I set up automatic payments through XXXX XXXX and not had a single problem with late payments. 
I ask for an investigation into TD Auto Financial practices of failing to process payments timely resulting in late charges to customers unjustly. 
I believe that TD Auto Financial is purposely and intentionally fail to process customers payments properly and/or timely, so to generate extra revenue for their company, by charging customers the extra late fees unethically. Thus, I request an investigation into this matter. 
I have a copy of my telephone bill as proof that I called on XX/XX/XXXX to schedule payment.. I have my XX/XX/XXXX Bank Statement showing that I had over {$5000.00} in the account at the time they claim NSF in the account. 
I sent a dispute request and copies of my evidence certified mail to TD Auto Financial and the national Credit Reporting agencies which were signed for by the foregoing companies on XXXX, XXXX XXXX. 
The companies did not respond to the dispute letter and evidence sent to them. 
Lastly, they continue to report that I was over thirty days late on a payment, in which the evidence shows they failed to process the scheduled payment timely, If you investigate my account with TD Auto Financial it will be easy to see the discrepencies in billing..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a security freeze with equifax since XX/XX/XXXX.Periodically i  will call equifax to temporarily lift the freeze for a short duration. On XX/XX/XXXX approximately XXXX, I was informed by equifax that they will not be able to lift the freeze as a result of not properly answering privacy questions related to my credit report. I was told by several telephone operators, who sounded like they were from the XXXX, that i did not give the correct information. After 15 years, suddenly i can't answer any of the questions correctly? I requested to speak to the supervisor 3 times. Each time i answered the questions correctly, they would ask me an abstract question, attempting to set me up for failure. nonetheless, i have documented proof that i did answer the question correctly. I feel this agency is harassing me. I never have a problem with TransUnion or experian. The following is the list of questions and my response. 
1.what is your full name answer : XXXX XXXX XXXX 2. what is your pin number answer : ... ... XXXX 3. which of the following do you have a loan with answer : car loan XXXX XXXX XXXX XXXX car paid in full as of XX/XX/XXXX 4.have you ever filed bankruptcy and if yes, what date. 
answer : yes, XX/XX/XXXX 5. when did you first file request for credit freeze? 
answer : XX/XX/XXXX I have the letter in my hand with my pin number. 
Response from equifax : I'm sorry, but you did not answer the questions correctly, therefore your request for a security lift is denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: Lending Club Corp
State: AR

Complaint narrative:
I checked my credit report and there are some accounts that I don't have any association with the accounts are fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally XXXX was informed and agreed not to call or text my cell phone to discuss my loan in XXXX. From XX/XX/XXXX - XX/XX/XXXX. Ally has continually contacted my cell phone via texts and automated dialing and automated voice messages, hiding their company ID on caller ID, repeatedly changing numbers called from after i blocked the number, never once identifying themselves via caller ID. In violation of Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 et seq. prohibits unfair or deceptive acts or practices in the marketplace. 

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., ( which is enforced by the FTC ) provides that debt collectors may not, in connection with the collection of a debt, place telephone calls " without meaningful disclosure of the caller 's identity. '' 15 U.S.C.  1692d  ( 6 I have written Ally XXXX several times, It took them 2 months to respond claiming they didn't do anything wrong

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My correct name or date of birth is not reporting on my credit report. Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX, and XXXX are continuing to report an outdated debt with XXXX XXXX/XXXX  XXXX. A consumer reporting agency may not report outdated negative information. This debt is from 2005, which is well beyond the 7 year mark.

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 2019-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
Billed by medical provider XX/XX/XXXX & XX/XX/XXXX. Paid and cleared XX/XX/XXXX. 
received collection letter XXXX XXXX, Responded to letter XXXX XXXX, with request for validation, advisement that the debt is not my responsibility, previously paid and provided a copy of cancelled check. and requested they stop all communications. 

XXXX and XXXX collections continues to call XX/XX/XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation