vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Well, I have a loan with Money Lion and the payments are {$84.00} a month. I initiated a payment for {$84.00} on XX/XX/2023. The payment was due on XX/XX/2023. Money Lion accepted the payment on XX/XX/2023, but also took another payment for {$84.00} again on the same day, which caused my XXXX  XXXX XXXX XXXX checking about to have a negative balance and cost me a {$30.00} fee. I contact Money Lion about the issue several times and they hung up the phone in my face and ignored my emails. I had XXXX  XXXX XXXX XXXX reverse the transaction and then Money Lion said I missed a payment and they would mark it as late for XXXX, and shows I next payment was not due until XX/XX/2023. They flat out refused to update their system. 

Then I sent a check to Money Lion on XX/XX/2023. My bank shows that Money Lion cashed the check on XXXX XX/XX/2023, but my checking account at Money Lion does not show a deposit for that amount. When I called Money Lion, I spoke with two people and they claimed that they never received the check, but it was in fact cashed by them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
IN THE BEGINNING OF COVID-19 I WA STRUGGLING TO MAKE MY MORTGAGE PAYMENTS DUE TO THE FACT THAT FIRST OF ALL I HAD LOST A FEW FAMILY MEMBERS DUE TO THE AWFUL COVID, I MYSELF WEBT THRU COVID, AND TO COMPLETE IT ALL, I LOST INCOME COMING IN TO ME. 
I REACHED OUT TO WELLSFARGO REGARDING THE FACT INWAS STRUGGLING TO MAKE MY MONTHLY MORTGAGE PAYMENTS IF THEY COULD AT LEAST EXTENT MY MORTGAGE TO EXTRA YEARS IN WHICH IT COULD HELP LOWER MY MONTHLY PAYMENTS INTO A MORE AFFORDABLE AMOUNTS. WELLSFAGO DECIDED TO PROVIDE ME A FORBEARANCE WHICH JUST ADDED MORE TO MY ALREADY HIGH MORTGAGE BALANCE. THEY COULD HAVE EXTENDED MY MORTGAGE AND I WOULD NOT BE PAYING STRUGGLING MONTHLY PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I finally actually received a card. I have for once the physical card in my possession but the problem now that I finally actually the card all the money that was in my account is gone except for XXXX dollars. Bank of america let someone activate my card spend my money and at some point I guess they ordered more cards. I went through it trying to figure out what was goi g on either my account in 2020. I filed for unemployment. I had received an email saying I would receive my XXXX  account nu.ber in the mail then a month later I get another email saying my information has been updated. I called till I was blue in the face so to speak never could even get through. So I went to a bank of america and was told they could not do anything unless I had the card and that I had to take the issue up with XXXX. Well that was absolutely impossible. I got some certification papers in the mail. I filled them out and sent them back so I knew I should have had some money in my account. How was someone able to get my my money when I couldn't even get my money! And now that I finally got my information updated with the XXXX  back to what it should have been the whole time I get the card activate it and my account is empty and they aren't doing anything but telling me they are working on it. I get my tax transcript and see that I was paid out something like XXXX dollars.

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 2023-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX here, and I'm complaining about some false information I saw on my credit report. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The following is a list of the bogus items I discovered on my Credit report that need to be deleted right away : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$3500.00} XXXX XXXXXXXX XXXX Balance {$460.00} XXXX XXXXXXXX XXXX XXXX {$420.00XXXX XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$52000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$85000.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2023-01-26 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: TX

Complaint narrative:
XXXX XXXX here, and I'm complaining about some false information I saw on my credit report. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The following is a list of the bogus items I discovered on my Credit report that need to be deleted right away : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$3500.00} XXXX  XXXX XXXX Balance {$460.00} XXXX  XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXXXXXX Balance {$170.00} XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1700.00} XXXX XXXX  XXXX XXXX XXXX Balance {$52000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$85000.00} XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2023-01-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX here, and I'm complaining about some false information I saw on my credit report. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The following is a list of the bogus items I discovered on my Credit report that need to be deleted right away : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$3500.00} XXXX  XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXXXXXX Balance {$170.00} XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1700.00} XXXX XXXX XXXX  XXXX XXXX Balance {$52000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$85000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance {$640.00} 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
This is about the middle class tax refund debt card I activated on XXXX I used it on XXXX charge was {$14.00} at XXXX XXXX XXXX then someone had stoked my credit card number and pin # I have the card with me the person that stoked my card number used it XXXX time from XXXX to XXXX XXXX 5 transaction total of {$290.00} in a 7 min at a XXXX gas station in XXXX  gardens than used XXXX XXXX XXXX time XXXX XXXX XXXX XXXX XXXX XXXX CA for {$25.00} then used it on XXXX time XXXX rite aid XXXX XXXX CA for {$5.00} now I never used my card at all these places

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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
This company Eastern Account Systems randomly appeared on my credit report in XXXX stating I owed approximately {$2500.00} to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) from just a couple years prior. I did not open the account and did in fact dispute this account but apparently it was somehow verified. However, from XXXX to XXXX I was incarcerated in the glorious XXXX  XXXX XXXX  system, XXXX  to a XXXX XXXX where I live for another 2 years and then to XXXX XXXX which is where I reside today. None of the housing situations I just explained require anyone to need ANY utilities of there own or at all really. Not to mention the timeline does not allow me to open an account like this from XXXX to today. And if this account is older than XXXX its too old to be on my credit report. I have asked XXXX to take it down but from what I hear they are not easy to work with and In my situation I was basically ignored and the account remains on my report where it doesn't belong. Not to mention I was never contacted by XXXX or XXXX regarding any of this it was all a complete surprise. My attorney and checking to see if there is any legal or civil actions I can take against this company unless this report is removed in a timely manor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been battling these unverified and inaccurate accounts for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. 

Also, there are some unauthorized inquiries that I don't recognized.

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 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been battling these unverified and inaccurate accounts for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. 

Also, there are some unauthorized inquiries that I don't recognized.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo closed account after I made complaint on the Consumer Protection website regarding pending lawsuit settlement

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 2023-01-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure that everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice and everything was still the same on accounts ( 1 ) name : XXXX XXXX Account # XXXX ( 2 ) name XXXX XXXX XXXXXXXX Account # XXXX ( XXXX ) name : XXXX  XXXX Account # XXXX The consumer reporting agency which is Experian did not modify or remove anything. 

The date open is not correct, date last active is not correct and the date of last payment is not correct, also the amount owed is not correct on all three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Experian has violated my rights.

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Credit Karma, LLC
State: WA

Complaint narrative:
To whom it may concern I have been a member on credit karma for a number of years they continue to send me referrals for credit cards saying that I was {$90.00} to 100 % pre-approved for cards I continue to apply for them as well as multiple loans continuously being denied which affected my credit score dramatically. Also they don't keep my records up to date they have false information on my account about my credit scores and I've had multiple hard inquiries but never approved a number of 10 to 12 in the last year because they kept directing me to apply because I was pre-approved and I never got approved with any of them I have a stack of denial letters from these places I applied that credit karma directed me to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Nothing has happened.

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 2023-01-26 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: TX

Complaint narrative:
Nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Nothing has happened.

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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX Opened CitiBank Checking Account. 
XX/XX/XXXX Linked the CitiBank Checking Account with XXXX XXXX Checking Account. Both under my name. 
XX/XX/XXXX Transferred {$25000.00} from XXXX XXXX to Citi Checking Account. 
XX/XX/XXXX Received email stating that my debit card will be shipped. 
XX/XX/XXXX Received email stating that my account will be closed. 

Didn't have access to online banking during this time. Called CitiBank customer service, refused to disclose reason of closure. Unable to log in to online account after received debit card. Haven't heard from them and neither received the check containing my already transferred {$25000.00}.

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 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX, Paypal emailed me advising that I can no longer make any transactions and that my account has been banned permanently without further explanation about the grounds for banning my account permanently. 

I have no disputes or any violation that I know about as they did not send any notice of such.

Company response to consumer: Closed with explanation