vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/23 I sent in a money order for {$1000.00} to American Express and they cashed the check on XX/XX/23. I have the back of the money order directly from XXXX XXXX verifying that it was cashed by Amex. They didn't credit my account. I have opened XXXX disputes over the same issue and they have never requested the back of the check or called or anything. They keep closing the dispute over and over and can not seem to resolve the issue. They keep asking for another {$1000.00} to finish paying off the account. Every time I go through customer service it takes at least XXXX minutes. I can not go on playing this same game with this large corporation over and over again and getting no where. Please help. The last referrence number was : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I found a fraudulent charge on my bank statement showing XXXX XXXX with a name I did not recognize. I almost rarely use XXXX XXXX. The only time I ever use XXXX XXXX is to send to XXXX which is a delivery service locally near me. I filed a dispute with my bank and they denied my dispute stating that I need to address it with XXXX XXXX. I researched the so called name next to the XXXX XXXX  name on my statement and it looks like its a fraud account, scamming people online using con XXXX schemes and blackmail promotion. TD Bank is allowing this take place. I kindly asked TD bank multiple times to block any XXXX XXXX  future transactions and they chose not to. I had someone try setting me up on XXXX with money laundering. TD did nothing about basically other than close my XXXX account. I got these nasty criminal hackers targeting me and TD just sits there ignoring it. I'm tired of being the victim. If you search the web, XXXX, XXXX XXXX, blackmail and XXXX XXXX, you'll find all sorts of crimes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Hi! 
My loans transferred from Fedloan to Mohela in XXXX. The employment certification form that I submitted was approved under the XX/XX/2022 waiver. However, Mohela has not added the 3 months in towards my qualifying payments. 
I first called and spoke with a representative on XX/XX/XXXX and he said that he input the request for those 3 months to be added and to give it 3 to 5 business days. I checked in and didn't see that added to qualifying payments. 

I spoke with another representative on XXXX, XXXX, a PLSF loan advocate ( supervisor of customer service representative ) and see put in a formal request to have those 3 months added in and give it 10 business days. The formal request was being " processed '' but it said " duplicate form '' However, it has been more than that and I have not seen those 3 months added in. 
I am requesting that those 3 months be added in in a timely manner. 
Please advise on how to proceed. 
Thank you for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
In XXXX several of my credit accounts became delinquent due to a long illness. My debt with overstock.com was first listed as delinquent in XXXX of XXXX. That debt was bought by XXXX in late XXXX. XXXX is reporting my debt as a new account opened in XXXX of XXXX and are showing it as newly delinquent. This has had far reaching consequences- I am in the thesis phase of my XXXX XXXX and my financial aid has been denied because of the new delinquent debt, as was an application for a mortgage that I was close to closing. I have disputed this with XXXX XXXX who if they only looked at my record would see it is an old debt not new.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: AZ

Complaint narrative:
I recently sent a letter asking for a fraud alert to be placed on my consumer report. This letter is due to the fact that several fraudulent inquiries forgot to be removed. 
Please remove this inquiries I am no liable for. 
XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX I have attached the identity theft copy. 
Thank you for your help in this matter.

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 2023-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I applied for a loan and was directed to money Lion website. They collected my checking account data and linked to my account via Plaid account verification only to get a XXXX Instacash offer. I didnt take the money but Money Lion website will not let me delete the account. When you call the number provided for help the hold time starts at 15 mins and INCREASES as you hold not decreases. I see theyve had issues in the past and they need to be shut down for good. I want my personal banking info removed as they got it on false pretenses and I want my Money Lion acct deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
An apparent law firm contacted my ex husband 's wife. She forwarded the message to me. I called the XXXX number and spoke with a rep who told me I owed Wachovia bank some money from an account in 2009. I do not recall having a bank account at that time. They told me to pay or dispute it in court. 
Did a little digging and saw many red flags that say this is a scam. XXXX XXXX XXXX XXXX, XXXX, CA XXXX {$1200.00} is the amount they are trying to collect.This debt does not appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc
State: TX

Complaint narrative:
Possible Financial Inc-XXXX XXXX, 2023 {$70.00} This account is involved in litigation. 
This account was paid by insurance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I wrote a check to the US Department of Treasury for {$3900.00}, and mailed it in XXXX. I made an error and put the check in the wrong envelope, and it went to the City of XXXX XXXX, Missouri instead. The City then deposited it, and the bank made payment in the amount to the City. The check was not made out to the City. The back of the check clearly indicates it was deposited by the XXXX City Treasurer. BMO Harris should not have paid those funds to the City of XXXX. I raised the issue with the bank today, and they said they don't have any further information other than what is on teh check, refused to acknowledge responsibility, and directed me to the local branch to file a fraud and forgery report. But, this is not fraud or forgery, it is the bank issuing payment inconsistent with the payment direction on the check. 

This was the response in the chat, after noting that the endorsement did appear to be by XXXX, rather than the US Dept of Treasury. 

Thank you for your patience XXXX, after further reviewing, my back office was not able to locate any other information. They only can see what we are seeing. The manager said in this case if they were not suppose to receive these funds you will need to file a Fraud and Forgery dispute. This will take place a local BMO branch you will need to fill out a Fraud and forgery affidavit form and have it notarized. I asked why did we allow it to go through and they mentioned due to the depositing side not finding any errors with the check it was able to be processed. They did ask if you had any open accounts with the city treasurer because if there was no account to place these funds in they should have sent it back.

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 2023-06-10 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
The date was XX/XX/2023 around between XXXX XXXX for the amount of {$120.00}. I contacted the merchant to let them know it was not authorized to cancel and refund. They agreed to do so in 5 days after payment clear. I contact my bank as well the merchant said to speed it up. The bank can verify the transaction was completed. They refused cause company policy does not allow for the phone calls to be provided. I waited and called once more. I was told something different this time. So I contacted the bank they claim its no error and refuse to give an explanation when they bluntly violate regulation E among other state & federal laws. The documentation used was just a screen shot of the transaction and thats all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my Fifth Third Bank Credit card. XXXX XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my Fifth Third Bank Cred Card account XXXX Fifth Third Bank re-aging the account by reporting the incorrect date of first delinquency. 

Now two years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and Fifth Third Bank refused to investigate properly and correct the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: IL

Complaint narrative:
XXXX dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my XXXX XXXX XXXX Credit card. XXXX XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my XXXX XXXX XXXX Cred Card account XXXX XXXX XXXX XXXX re-aging the account by reporting the incorrect date of first delinquency. 

Now two years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and XXXX XXXX XXXX refused to investigate properly and correct the erroneous 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 non-monetary relief
Consumer complaint received 2023-06-10 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I have not contracted any loan or loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-10 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Bought my car 2020 XXXX XXXX from XXXX XXXX in XXXX, FL Exeter Finance was the bank that came back with a finance loan. 
I was given a 30 day temp tag til the end of XXXX, no plates. 
Then I got a different one til the end of XXXX. No plates again. 
So here we are again to plates They give me a 3rd handwritten tag .... 
Got pulled over by the Police and was told my tag was illegal and not registered at all!!

Went to DMV to confirm this information.

Went up to the dealership which is 45 minutes away from me here in XXXX XXXX with my family in the car. To finally get to the bottom of the issue. 
! st I was told they were backed up with processing plates. Then that they lost the title. Then the title was taking a long time from out of state. Then that it got lost in transit from another state. Then that it was a car bought at a XXXX auction ... which are not finance-ready vehicles.. to not sure how they figured that was supposed to fly. And I'm sure they knew that already. I called XXXX XXXX and Exeter Finance to try and get my car registered on so many occasions It is now XXXX ... my car is parked outside in the parking lot. Undriveable I have missed so much work because of the back and forth. I've had to pass on 2 more job opportunities because I can't get there on a 2-3 hour bus ride that wouldn't get me there on time anyways. Exeter Finance said they are WAITING for XXXX XXXX in XXXX, FL to produce the title! And that I have no choice but to park my car somewhere and wait!! It's been 4 months already and no one is stepping up to get this resolved. 
I met another woman who also bought a XXXX from them with the exact same issue! I'm a single Mother out of work ... no way to pay my rent, pay bills or buy food!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Someone trying to open credit cards in my name. Not me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for a mortgage loan of XXXX which is not a normal amount compare to XXXX mortgage loans. My income debt to ratio is excellent and my score/credit is in good status. I do not have any mortgages or auto loans. I only have two credit cards which i use. Suppose to be an easy mortgage transaction but I was wrong. there is no other way to call this, subject of mortgage loan discrimination. My loan was denied with the explanation of poor credit with the bank. I always had good standing with them in regards to my old mortgage loan. My credit card with the bank suffered a stolen amount that NFCU was unable to resolve. As a result my excellent credit with excellent credit score went from excellent to good status. From the time I submitted a loan application, it was going to take several weeks before application was review according to Loan officer it is taking long than expected for the loan. 3 and half weeks passed nothing, no call or anything. At this time home is already with the contract option pending. Yet i decided to wait to see the outcome because it was submitted to underwriting without any contract. according to loan officer i have to wait more weeks in underwriting if I am going to change the loan amount. which i supposed to since the home i was interested was not available anymore. I was waiting for their initial approval. After waiting a month It seem they were looking for an excuse for a denial that they could not find because I met all the loan requirements as it should be. Keep note I had good record of my old mortgage with NFCU that I paid off in full and didn't miss a payment. This is a case of a bluntly loan discrimination that NFCU is allow to get away with it apparently. I meet all requirements for a mortgage loan, I made sure before I submitted my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/2022 I made a purchase on the XXXX XXXX site through Affirm for a loan for a pair of XXXX XXXX  from my merchant by the name of XXXX. There are multiple reports of XXXX selling fraudulent hugs to other consumers on the XXXX XXXX XXXX and the pair that I received is also fraudulent because I took them to the XXXX outlet and asked them in the store whether they were real or not and they compare them to the same booth that they had in store and showed me why they were counterfeit no serial numbers they were not the same at all and they confirmed it twice over, I never wore them. I still have them the merchant would not take them back. I contacted Affirm multiple times and told him they were fraudulent and then like I confirmed it with the XXXX outlet store and they still now or affecting my credit now for this loan and I asked him to please illuminate this loan because its for fraudulent merchandise that the merchant will not take back I dont have any need for these. XXXX XXXX they are fraudulent they were supposed to be a gift for my daughter and Im on XXXX and I dont want them but nobody will take them back. Its not like I took them and I dont wan na pay for them in the real. They are fraudulent so I dont know what to do but I dont want this affecting my credit report and I shouldnt have the money for that loan. I just want to get these boots back and either Affirm or the merchant will take them back and I tried within the merchants return policy to do that and they were very rude and wouldnt do So.

Company response to consumer: Closed with explanation