vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX, I reported suspicious activity to my bank, XXXX XXXX, that on these occasions money was electronically removed from my account and sent to an unknown to me company by the name of MONEYLION. XXXX XXXX immediately reported it as fraud, reimbursed me the total amounts {$340.00}, {$440.00}, etc. for a total of {$1800.00}, and I thought, " Good. That was that. '' But when I applied twice for two credit cards and was turned down it was because MONEYLION REPORTED THE AMOUNT AS DEBT DISCHARGED, THUS RUINING MY VERY GOOD CREDIT. 

I called, emailed, and sent bank statements to them and I all I got was I needed more information, a criminal report, evidence I had paid them, etc., etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: UPGRADE, INC.
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Upgrade XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter To Whom it May Concern : On XX/XX/XXXX, I applied online for an Upgrade Card at XXXX XXXXXXXX XXXX in response to a promotional offer to earn XXXX SB after you deposit your first {$25.00}! on XXXX 

I met the terms but the SB did not post. 

Now, I respectfully demand that XXXX XXXX XXXX pay the advertised bonus of {$75.00}. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
my credit report is inaccurate 15 U.S.C, 1681 sec 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 a consumer reporting agency can not furnish an account without my written instructions.

check all negative accounts that they are 100 % accurate, if not remove them.

Also I need for each collection items the original purchase agreement and proof that I am the legal owner of these agreements.

If no proof is provided, remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: CA

Complaint narrative:
my credit report is inaccurate 15 U.S.C, 1681 sec 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 a consumer reporting agency can not furnish an account without my written instructions.

check all negative accounts that they are 100 % accurate, if not remove them. 
Also I need for each collection items the original purchase agreement and proof that I am the legal owner of these agreements. 
If no proof is provided, remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: PA

Complaint narrative:
Hello my name is XXXX XXXX, i got a notification through my credit reporting apps that a accounts has been showing on my account. I am a victim of identity theft, I have been dealing with this for months. Some XXXX  is using my private information to obatin this auto loan, phones services and payment installments. I read in that the cfpb and the fcra protects consumers from fraud. I am a victim of identity theft and i did not make this transaction at all. Please delete these from my 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 non-monetary relief
Consumer complaint received 2023-01-03 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: NJ

Complaint narrative:
I did not authorize nor consent to following inquiries being furnished on my credit report..SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
RUSHMORE LOAN MANAGEMENT SERVICES ESCROW ANALYSIS DATED XXXX REFLECTS ILLEGAL XXXX XXXX XXXX FEES TOTALING {$15000.00} GOING BACK ( XXXX ) XXXX YEARS OR MORE, PLUS FALSE {$130.00} ESCROW FEES THAT VIOLATES BOTH FLORIDA STATE XXXX & XXXX LAWS WHICH CAN BE CONSTRUED AS FEE PADDING, CONSPIRACY TO DEFRAUD, ABUSIVE CLAIMS, UNETHICAL SELF SERVING, UNJUSTIFIABLE OVERCHARGES AND XXXX XXXX XXXX 

XXXX XXXX XXXX INTENTIONALLY CLASSIFIED MY PROPERTY AS NON-HOMESTEAD TO PUT ME IN XXXX WAY WHEN IN FACT IT IS MY XXXX NOTED IN XXXX XXXX XXXX PROPERTY TAX RECORDS SINCE XXXX. MY PROPERTY IS A XXXX IN A NEW HIGH RISE CONDOMINIUM WITH HOME OWNER ASSOCIATION THAT PAYS FOR OUR MASTER POLICY BUILDING INSURANCE COVERAGE IT IS NOT A HOUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: DISCOVER BANK
State: CA

Complaint narrative:
Someone has my identity and used to open many credit cards under my name but all the applications have been denied because blocked my credit. They used my Discover, XXXXXXXX XXXX  credit credit to purchase many big transactions. Also, they singed in my XXXX  XXXX checking account and transferred {$10000.00} from my XXXX XXXX credit card in to my checking account. Then, they tried to withdraw money at XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX. The teller XXXX XXXX ( XXXX ) XXXX replied that something was not right and denied then blocked my account. XXXX  XXXX case number is XXXX. 

XXXX XXXX Police report number XXXX on XXXX XXXX, 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2023-01-03 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:
I am intrested in disputing all incorrect information on my credit report with Equifax. my credit report is not 100 % accurate. I want to clear all the errors that will fix my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank stated to C.F.P.B.the bank noticed all credit bureaus to update or remove the account.all but XXXX  on XXXX reported to me by my credit report that the account ending # XXXX and # XXXX by comenity XXXX XXXX and XXXX XXXX is reporting as a due debt.with the old federal forgiven background on them and with two new account numbers on them XXXX XXXX XXXX XXXX with a charge off balance of $ XXXX XXXX XXXX XXXX XXXX  with a charge off balance of {$410.00} -default accounts reporting only on experian the proof of the accounts is sent by certified mail as of today, by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a XXXX and was approved for XXXX but the XXXX  appriased my place for XXXX less than the tax roll and I then XXXX XXXX XXXX  and he confirmed my place was worth over XXXX more than the XXXX XXXX I was forced to pay off XXXX other loans that were lower insterest that were with truist and they charged me XXXX worth of payoff fees on a XXXX car note. Lastly the branch XXXX forged my wifes signiture and noterized the documents when I or my wife was not present. I was never told ot was a variable rate either. The branch managers name is XXXX and I asked to talk to general XXXX  and was told I could not.

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 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
CFPB + ERC, In a recent check of my mail I see there is a collection account from ERC saying I owe a debt that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address Your mailed letter This letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX was fraudently reported due to identity theft on my report In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-03 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: VA

Complaint narrative:
XXXX XXXX XXXX was fraudently reported due to identity theft on my report In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I bank with XXXX XXXX XXXX XXXX. My online banking was hacked XXXX. I received a text message from a hacker pretending to be my bank stating that my account was locked and that I need to log into my account to unlock it. I did log into my account and then I called my bank to let them know what was going on. My bank stated that my account was fine and my account was not locked. At this time, I was unware that this text message was actually fraud. The following day XX/XX/XXXX, I received a email from XXXX XXXX XXXX XXXX stating that {$2200.00} was taken out of my checking account and moved via 'external transfer ' to an account for XXXX XXXX XXXX I have never heard of XXXX or have any relationship at all to that bank. I had to wait until XXXX XXXX to hear from XXXX XXXX XXXX XXXX becuase of the XXXX XXXX XXXX I called XXXX  ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX fraud department basically told me that there was nothing they could do to get my {$2200.00} back and the only thing they could do was change my account number so that the hacker no longer has access to it. I filed a police report for the fraud activity and I also got contact with XXXX who let me know that the account number that my money was sent to was actually for a bank by the name of MoneyLion. I contacted MoneyLion bank on XX/XX/XXXX and they stated that the money that was stolen from me was no longer in that account and they had no way of getting my money back to me. MoneyLion did close that fraud account and sent a email to me confiming this. I still have no way of getting my {$2200.00} back and do not any other steps to take so I am praying that you can help 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 2023-01-03 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with transunion. ive noticed alot of invalid data that is hindering my file. I am intrested in updating my file to clear 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 non-monetary relief
Consumer complaint received 2023-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My credit card auto payments from when I was married with my ex husband on our joint account are now being returned to my credit card because he's disputing them as fraud since I am no longer on that bank account since he took me off. All of the payments were done out of our joint account and with my paycheck that was being direct deposited into the bank account. So now he's steeling my money back. Capital One have so far giving him 14 months of payments back. Called capital one and they told me there was nothing i could do since my name isn't on the XXXX bank account the auto-payments came from originally and told me they can go back up to 9 years since I had the credit card account. So now they're wanting me to pay my payments twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I recieved a vanilla gift card for {$100.00} for XXXX. I have tried to use it and it does not work. I tried to go online and it does says there is a system error - try back later. I spent 45 minutes on hold today only to be told sorry your card is empty. I have not used the card. My XXXX XXXX XXXX mother purchased it on XX/XX/XXXX from a XXXX XXXX in XXXX, TX and it was in her pocession until XX/XX/XXXX. I have had the card in my pocession since that time. Their response is we are sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
Update to my prior complaint ( XXXX ) - company has still not responded. I was able to determine my payment will rise when my next property tax disbursement is made in XXXX. My prior payment was {$1800.00}, my new payment is {$1600.00}, now my payment will be {$2100.00} unless I pay {$3100.00} in which case my new payment will be {$1900.00}. Pretty clear isn't it? I spent an additional XXXX XXXX on the phone today trying to make heads or tails of this, but still no definitive answer. My property taxes have not changed, my insurance has not changed, the only change is with this mortgage servicer. 

Additionally, my property insurance is information is not listed on their website, instead it states : " Your information is outdated and/or we are missing your insurance information. Please update your information. Please note Lender Placed insurance XXXX be effective soon. '' Additionally, a payment from my escrow was made in XXXX for {$3100.00}, which also led to an " escrow advance '' of {$1000.00}. My property tax disbursement should have been {$2800.00} and change. If there is a penalty it should be due and paid by LoanCare, since I had plenty of funds in escrow prior to them sending me {$5300.00} as a refund of overpayment. 

This company should not be allowed to purchase large numbers of existing loans unless it can demonstrate it has the infrastructure in place to transition those accounts seamlessly. It has shown a lack of concern for me and other similarly situated. I am concerned as to how this is going to impact the thousands and thousands of other borrowers whose accounts were purchased by Loancare. I'm sure I'm far from unique. 

If other consumers received large checks from their mortgage company, they might have assumed these funds were due to them and spent the money. It is quite concerning and will likely lead to defaults and foreclosures. At the very least, their payments will rise considerably when it is time to pay their tax installments. 

This problem is much bigger then me. Something needs to be done right away.

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 2023-01-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
THIS SERVES AS XXXX ADDENDUM TO COMPLAINT FOR XXXX. AS STATED WE WERE VERY INTERESTED IN THIS PROPERTY HOWEVER, AFTER AN EXTENSIVE INVESTIGATION WE COULD NOT UNDERSTAND WHY THIS HOME IS BEING SOLD FOR THE XXXX TO XXXX TIME AT AN EXTENSIVE PRICE POINT. IT APPEARS COMPASS BANK NOW PNC HAS REFERRED THIS HOME TO XXXX FOR SALE. THIS HOME HAS BEEN PAID OFF AT LEAST 5 TIMES DUE TO THE MORTGAGE FRAUD. IN ADDITION, XXXX WAS ON THE HOMW SO THE BANKS WERE PAID. SO WHY IS THIS PROPERTY NOT BEING SOLD AT THE MINIMUM, PRICE POSSIBLE OR GIVEN AWAY. THE HOME HAS BEEN ABANDONED FOR OVER 1 YEAR. WE CONTACTED THE BANK DUE TO A MUCH NEEED TRANSITION, HOWEVER THEY WERE NOT COOPERATIVE. I THINK IF I RECEIVED A CALL FROM AN INTERESTED PARTY NOTIFYING THEM OF THIS ISSUE I WOULD GIVE THEM THE HOME FOR PENNIES, PAY FOR THE CLOSING COST, TAXES, PROVIDE A FULL WARRANY DEED AND A XXXX TITLE VERSUS BEING UNDER INVESTIGATION FOR FRAUDULENT PRACTICES, THIS REALTOR IS REALLY SHADY. IF PNC IS NOT XXXX BANK WE APOLOGIZE, HOWEVER IT'S STATING ONLINE PNC IS THE BANK PROVIDING THE MORTAGE. 

THIS COULD HAVE TAKEN EVERYONE INVOLVED OUT OF THE LIABILITY ZONE, THEY GAVE LIED ABOUT THE ENTIRE BACKGROUND ON THE HOME. IT ; XXXX BEEN SITTING FOR OVER A YEAR, INDIVIDUALS HAVE MOVED IN AND OUT THE HOME LONG ENOUGH TO TAKE OUT FRAUDULENT MORTGAGE WHICH APPEARS TO BE AN INSIDE JOB AND ABANDONED THE HOME. THIS HOME IS A XXXX HOME. 

IT NEEDS TO BE PULLED FROM XXXX IMMEDIATELY! THIS IS SCAM! 
COMPASS REALTY APPEARS TO BE A SUBSIDIARY OF PNC BANK. NAME SWITCH! WOW THIS IS THE SAME SCAM WE WERE VICTIMS OF!

Company response to consumer: Closed with explanation