vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We put an offer for an investment property in Texas back in XXXX. The deal was supposed to close on XXXX XX/XX/year>. We went through Wells Fargo for mortgage. The bank asked for an extension for XXXX XXXX which the seller agreed. XXXX XXXX afternoon ( Friday before long weekend ), the lender emailed us that we will be able to close on XXXX XXXX, 2024. Now on XXXX XXXX, 2024 ( Tuesday ) morning, the lender dropped a bomb that the Closing Disclosures didn't go out yet so the closing wouldn't be possible before XXXX XXXX, XXXX Wells fargo asked us to request sellers for one more extension which the sellers denied.

The seller decided to terminate the contract and take the house off market. In this whole mess, we would lose about $ XXXX ( misc of XXXX, appraisal fee, inspection fee, credit check fee, property management, home warranty, insurance, etc ). We are trying to recover some of the loss but we would still lose $ XXXX in non refundable fees. 
We as buyers did everything on time and still are the only ones who would be at loss for no fault of ours. 
Can you please help us recover our loss from Wells Fargo for the delay? 

We have the following proofs : XXXX ) The last email on Friday ( XX/XX/year> ) from lender confirming the XXXX close date XXXX ) Email on Tuesday morning that they cant close before XXXX XXXX, 2024

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XXXX XXXX is not liable for XXXX XXXXXXXX XXXX XXXX  with account number ending XXXX for XXXX. I don't give my permission for LVNV Funding to have my personal identifying information to third party debt collectors and to share, trade, sell, or transfer to any of third party non affiliates and affiliates such as XXXX XXXX XXXX XXXX, and Resurgent which they have already violated my rights to privacy and FDCPA. and FCRA. I do not have a contract with any of these entities and any of their affiliates. I do not want to contract with them either. Cease and Desist any form of communications such email, phone, and mail. I will be filing a FTC fraud report and identifying theft and defamation of character. 
Intent to sue for security fraud by Security Exchange Commission and auditing your company accounting records for this account. My claim against your company using all documents as proof of claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC
State: KY

Complaint narrative:
XXXX XXXX is not liable for XXXX XXXX XXXX XXXX  with account number ending XXXX for XXXX. I don't give my permission for XXXX XXXX  to have my personal identifying information to third party debt collectors and to share, trade, sell, or transfer to any of third party non affiliates and affiliates such as Credit Control , LLC, and Resurgent which they have already violated my rights to privacy and FDCPA. and FCRA. I do not have a contract with any of these entities and any of their affiliates. I do not want to contract with them either. Cease and Desist any form of communications such email, phone, and mail. I will be filing a FTC fraud report and identifying theft and defamation of character. 
Intent to sue for security fraud by Security Exchange Commission and auditing your company accounting records for this account. My claim against your company using all documents as proof of claim.

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 2024-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have a recurring monthly payment for my student loan through the XXXX XXXX XXXX XXXX servicing platform Mohela, typically in the amount of {$1000.00}. Since the transition to the new platform and payments on XX/XX/year>, I have been charged on XXXX separate occasions of the amount {$1000.00} for payments which I did not schedule. The first time was XX/XX/XXXX and then again on XX/XX/XXXX, I scheduled a payment for this exact amount, which was duly posted to my account on XX/XX/XXXX. 

However, on the same day, XX/XX/XXXX, I observed another unauthorized charge from Mohela in the amount of {$1000.00}, bringing the total to {$2000.00}. I want to emphasize that I did not authorize this additional charge. It's the second occurrence of such unauthorized debits, despite my numerous attempts to address and resolve the issue with Mohela directly. Regrettably, they have been unable to provide any satisfactory resolution, insisting on a prolonged XXXX timeframe for a resolution, which I find unacceptable given the recurring nature of the problem. 

In response to these unauthorized transactions, I have taken proactive steps to safeguard my account by removing my bank account information from the Mohela portal and deleting all scheduled future payments. 

Then most recently on XX/XX/XXXX, I manually inputted my monthly payment of {$1000.00} which posted on my account and additional {$1000.00} taken out of my account the same day that I did not schedule. 

Most recently today XX/XX/XXXX I noticed my bank had given me the funds back as each time I have to fill out a unauthorized charge form to my bank to give me the money back since Mohela has been not help at all. But I noticed Mohela platform today, XX/XX/XXXX that they reserved my payment which I did not ask to do, nor did they refund my money back. Right now my loan is showing the total of {$340000.00} which is incorrect and supposed to by {$240000.00}. 

For your reference, I have attached screenshots documenting the unauthorized charges, along with a record of payments made to Mohela this year. I trust this additional documentation will aid in your investigation. 

Again I want to emphasize Mohela has not done anything to help resolve this issue or prevent charges that I did not schedule or do myself. 

I am eager to discuss this matter further either over the phone or in person at one of your branches. I believe open dialogue and collaborative problem-solving are essential to prevent such incidents from occurring in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I am writing to file a formal complaint against SETOYOTA FIN XXXX XXXX XXXX, regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding a collection accountS labeled XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX AND XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I purchased a prepaid XXXX  debit card valued at {$400.00} on XX/XX/year> from a local grocery store. I had issues activating it on their provided website, prepaidgiftbalance.com, so i called them at the provided number to get it activated. The man I spoke with said the card had been activated. 

I attempted to make an online purchase, but the card did not work. I called again the following day, XX/XX/XXXX. Again, they said the issue was resolved. Again I was unable to use it online. I later attempted to use the card to buy groceries at the store I bought it from, but it was declined. I made another phone call on XX/XX/XXXX talking to a later for 25 minutes, where they informed me that the entire balance was used at XXXX for a purchase, which I did not make. I was never able to use the card to begin with. 

I opened a fraud claim with them, which they said could take months to resolve. They requested I fax more information to them, which I tried but the link the lady gave me never worked.

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 2024-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I took out a loan from one main financial and paid it back. I would like to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-06-05 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
Around XX/XX/XXXX i noticed a unauthorized transaction to a mushsupply company. It was made online from a prepaid card i purchased. I put {$500.00} on the card and did make several transactions. I called immediately to report the transaction. I reported it to the number on back on card. I also filed a police report, i contacted inComm, who services these cards, i contacted XXXXXXXX XXXX XXXX affiliated with card who is FDIC insured. I also contacted the OCC. InComm claims they were unable to get my funds back, so instead they sent me money from merchants that i actually purchased and received goods from. Total fraud as those were authorized transactions. I am currently owed XXXX. 
I have received XXXX which the balance on my card. I also received XXXX taken wrongfully from XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have recently reviewed my credit report from XXXX XXXX XXXX ) and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers : XXXX  XXXX Account - Account Number XXXX XXXX Account - Account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there may have been a violation of my consumer rights. The law explicitly states : " ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' In light of this, I kindly request the removal of the aforementioned late payments from my consumer report, as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely resolution. 
XXXX XXXX Date Stated As Late XX/XX/year> XXXX Stated As Late XX/XX/year>

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
I opened a merchant processing account on XX/XX/XXXX with XXXX  XXXX ( part of Fiserv ). I have provided all the personal and business information they asked for, for their due diligence and approval process. According to the agreement they would transfer funds within 48-72 hours. They randomly and sporadically transferred small batches of funds to my account. Emails from their " risk department '' were very unprofessional and suspicious to a point that I though it was fraud. I supplied additional information they requested showing prior transaction history with other companies, showing low risk profile evident by no chargebacks or disputes. Customer service was the worst with wait times over 30 minutes every time I called. Sometimes they would not answer at all and no calls back received. I closed the account on XX/XX/XXXX. They processed a total of {$110000.00} for me. It has been 2 months since transactions occurred and no chargebacks or disputes were received for the amount they processed for me, as of today. They are holding the remaining {$31000.00} without any explanation. The only explanation I received was they are holding money for " risk purposes ''. Numerous attempts to reach customer service or salesperson were unsuccessful. No one returns call or emails and its impossible to reach anyone as wait times every time I call is over 30 min and then it just goes to voicemails. 
This company is part of Fiserv, a XXXX and payments company with solutions for banking, 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 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime ( XXXX XXXX  ) is a scam, a bunch of thieves that stole XXXX instant transfers I made XXXX from my XXXX XXXX XXXX XXXX {$35.00} and the other from XXXXXXXX XXXX. {$56.00}. to my Chime Checking account. on XX/XX/year> and XX/XX/year>, respectively. Chime. posted in my account that the transfers were rejected but then the messages vanished shortly after the transfers and they kept my money.. Both XXXX and XXXX XXXX claim they never received the money bank. I ask CFPB to start an investigations on XXXX XXXX to force these professional thieves of Chime to return the money they stole from me NOW. They can't keep money I had to work for. Once I get a fair resolution I will proceed to close my account with Chime. Thank you.

Company response to consumer: Closed with explanation