vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
On XX/XX/year> I applied and was approved for a {$500.00} Money Lion Credit Builder Loan. The stipulations of the loan were that {$75.00} would be paid to me up front and the remaining {$420.00} would be placed in a reserve account. I would then pay 12 monthly installments. Once the 12 monthly installments were complete and the loan was paid in full, the {$420.00} in the reserve account would be then released to me. 

XXXX days after after getting the loan on XX/XX/year>, I paid the balance in full. I then went to the money lion app to see when the fund would be released and it stated XX/XX/year> that the funds would be released. 

On the XXXX of XXXX, no funds were released to me. Over the next XXXX weeks I reached out nearly daily to chat customer support as well as calling their customer support line. Every time I spoke with a representative, they all told me they were looking into it and would call me back. I never received a call back once and any email information that was sent to be had no answered provided, just that they were looking into it. It is now XX/XX/XXXX, and I still do not have my money. All representatives of the company will not provide me any sort of timeline or date of when the funds would be released. 

It has been 16 days since I paid the loan, and nothing... Please help me!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I bought my computer in XXXX. I opened a Best Buy store credit card in order to finance my purchase. I made regular payments on this credit card from XXXX - early XXXX. In XXXX of XXXX, I missed ONE payment - JUST ONE PAYMENT - due to my money being allocated to medical services. ( These medical services were far more necessary than my credit card payment. ) As a result, Citi Bank gave me a late fee. I paid the late fee and got my card up to date. 

However, Citi Bank has continued to charge me a late fee for EVERY PAYMENT since XX/XX/XXXX. I closed my account and agreed to their special payment plan - a situation that should have no more incurring fees, a lower interest rate, a NEW DUE DATE, and a lower monthly payment. I have a contract stating this. 

Citi Bank has not upheld their end of the agreement. They are continuing to publish my account as past due, they are continuing to hound me for payments DESPITE MY PAYMENT PLAN BEING ON AUTOPAY, and they continue to trash my credit through the credit bureaus by not informing them of my payment plan and maintaining that my card is past due. 

I have not missed a payment since the one in XX/XX/XXXX. I have full documentation of my payments as proof. 

I would like my account removed from their possession. They do not do ethical business and they do not respond to the letters that I have sent. I have tried contacting them through the secure message feature on their website more than once. As of now, they have actually removed that feature from my account, which also feels unethical. 

I am suffering on their account due to my trashed credit score being infinitely lower than it should be. Every other card and debt I have is being paid off in a timely manner and I do not live above my means. If this is not rectified one way or another, I will be seeking legal counsel. 

Thanks for your help.

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 2024-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. On Monday XX/XX/XXXX, a call was placed to FirstPoint Collections Resources , Inc. to dispute an alleged debut in accordance with 15 U.S.C 1692G ( b ). The call was answered by XXXX XXXX, XXXX id # XXXX. XXXX XXXX asked for the reference # which was provided to her and instantly proceeded to discuss the alleged debut without further verifying that she was speaking with the correct person instead of a third party in violation of 15 U.S.C. 1692C ( b ) XXXX XXXX was then asked to cease communication with the consumer in accordance with 15 U.S.C. 1692C ( c ) at which she became very, very oppressive, rude and abusive in violation of 15 U.S.C 1692D ( a ). She than began to use obscene language the natural consequence of which was used to abuse the caller in violation of 15 U.S.C 1692D ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Debt collection company requested and reported and completely wrong amount of debt. Almost three times more than the original debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This is a Regulation E dispute. My funds were stolen in conjunction with XXXX and XXXX. My phone was stolen in XXXX of XXXX My card was attached to my XXXX and XXXX XXXX. Since then my business account funds have been used without my knowledge or permission. When I noticed in XXXX of XXXX, I immediately notified the bank an filed a dispute. It was denied because the operator failed to include all of the transactions that I asked her to include. I was told I needed to file a police report and submit another dispute. I did both and provided the bank with the police report and they still denied the claim. I need my money back. It is protected funds and this should never have been allowed to happen. Someone should have notified me through various means as you have my email address and phone number and address. I was not notified that this spending had occurred. Usually they will send a txt to ask if a transaction was you and if I don't respond, they will deny the transaction and freeze the card. That never happened as whomever was allowed to access much of my funds. The Electronic Fund Transfer Act protects me from these types of things. I will sue TD for allowing this to happen, not returning my funds and causing me financial instability, The bank is required to investigate and if the investigation takes more than 5 days, to provide me with at least a provisional credit. They have not done any investigation obviously. I am not liable to transactions I did not authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-08 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, at XXXX I submitted a test amount of {$20.00} - a test amount, to my cousin XXXX XXXX whose XXXX XXXX XXXX XXXX XXXX ), and the response was okayed for me to proceed. 

On XX/XX/XXXX, I completed my intended contribution towards the funeral at XXXX XXXXXXXX of {$980.00}. 
Because of the moment, I waited for an acknowledgment from her but reasoned that the emotion and funeral would be too much for her to respond immediately that I decided to not follow up until after her XXXX XXXX XXXX XXXX  5 days after. 

Then, I became frantic when she informed me that she had not received the {$1000.00} I sent through CashApp to her. 

I contacted Support at CashApp immediately and was detached from speaking to someone directly by the customer message board for a long duration. Finally, I was validated as the account holder only to be discarded without any help but information to contact the company on Monday if I so wish. 
I insisted and got through to a male who rudely told me there was nothing he or the company could do or would do for me. 

I then, called on a week day after this weekend, and spoke to two people who initially pretended to being attentive on resolving my requests of the refund since the intended recipient had been proven not to have received the money. 

Also, to let me know which XXXX XXXXXXXX actually received the money. I continued with a request for a return of submitted funds and the recipients declined refund from this recipient as proofs but my requests of my refund to Cashapp were refused, even as the company acknowledged this malpractice on their part. 
I received so many XXXX  I am sorrys than I care to remember. 

CashApp personnel was not only rude, declining to follow up with the unintended recipient and summarily quickly closing my complaint and case, but also refusing to refund my money. 

This is {$1000.00} hard-earned cash intended for someone experiencing a tragedy and sent within the United States of America XXXX 
This was not sent overseas or to someone scamming me. Also, I utilized a legitimate US Company to transact this service to someone in the continental US. What else had I to do?

Please, I would appreciate recovering my {$1000.00} back. Help me as Cashapp is a fraudulent front for a business. Upon receipt of my money, I will cancel any account in my name. 
Thank you! 

Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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 understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Facts : On XX/XX/year>, Consumer disputed a transaction in the amount of {$290.00} due to non-delivery of goods, following the merchant 's dispute instructions. 

SoFi Bank failed to provide a provisional credit as outlined in Section F, pages 36 and 37 of the SoFi Bank Deposit Agreement, and did not complete an investigation within the 90-day timeframe stipulated in the agreement. 

On XX/XX/year>, SoFi Bank placed a hold on {$41.00} for a transaction with XXXX XXXX Fuel. Despite confirmation of release from XXXX XXXX XXXX, SoFi Bank refused to release the funds within the allotted 7-day window and provided misleading information regarding the merchant 's actions. 

Causes of Action : Breach of Contract : SoFi Bank failed to adhere to the terms of the SoFi Bank Deposit Agreement by not providing a provisional credit and completing an investigation within the specified timeframe.

Damages : Consumer suffered financial harm due to the withheld funds, totaling {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
I have already so many times reached out to the following account below and talked to them about the issue with my account as reported by the RADIUS GLOBAL SOLUTIONS LLC. They have advised me again that they will delete this on account on my credit reports right away due to unverified and inaccurate information reported, also the fraudulent account will be deleted, however, as I reviewed my recent report, the account mentioned are still reporting. I am not sure how the RADIUS GLOBAL SOLUTIONS LLC came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the information that is being shown in my report. I have filed an FTC report on this complaint with the FTC report number XXXX to support this complaint.

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 2024-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-07-08 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Alorica Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief