vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: GA

Complaint narrative:
On XX/XX/2023, Moneylion closed my Roarmoney checking account. I have been unable to log in ever since. On XX/XX/XXXX, Moneylion took money out of my main bank account for the active credit builder loan I have with moneylion. Once again, I can't log in or access any of my accounts now. I emailed customer service. Today they emailed me and said account was closed for suspicious activity. I do not have any " suspicious activity ''. I barely use the accounts except to pay the loan and occasionally invest or get a cash advance. I don't understand why I have been a customer for years and my accounts were closed with no notice for " suspicious activity '' and no explanation was given. I am still getting charged membership fees, loan payments and I can't access my investment account or access instacash advances. Moneylion is charging me for services that they will not let me use because they closed the Roarmoney checking account. I have repaid many loans over the years and they abruptly closed my account and will not restore my accounts or let me log in. Calling and emailing customer service does not help, they will not explain anything or help in any way.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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:
I did not authorize or consent XXXX or any other reporting agency to the following inquiries to be furnished on my credit report. 

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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: FL

Complaint narrative:
I did not authorize or consent XXXX or any other reporting agency to the following inquiries to be furnished on my credit report. 

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 XXXX 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 non-monetary relief
Consumer complaint received 2023-11-30 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau Apple Card/GS Bank USA/Goldman Sachs XXXX XXXX XXXX XXXX XXXX Dispute of Unauthorized Charges That Were Not Made on My Physical Card With Apple Card/GS Bank USA/Goldman Sachs Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the Apple Card via telephone after I was notified by XXXX XXXX that there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling Apple customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from Apple phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. Apple Card now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I'm writing you today regarding my mortgage loan held through Third Federal Savings Bank. The mortgage balance {$9800.00}. 
I was behind on my mortgage and received a summons for court dated XX/XX/XXXX. 
I summitted a letter to the court XX/XX/XXXX. 
I received a statement from Third Federal XX/XX/XXXX Advising me to pay {$5300.00} by XXXX XXXX. This amount was paid on XX/XX/XXXX. To reinstate my mortgage. 
I confirmed with the staff that the payment was made once again confirming that my mortgage was reinstated and current. 
However I was told that I still owed attorney fees and court costs of {$4500.00}. I asked why since this never went to court. 
The amounts they wanted could have paid off my mortgage in full {$9800.00}. 
The mortgage payment includes escrow which was never offered to me to include in the modification that I did in XXXX. 
Today XX/XX/XXXX th is the anniversary of my husbands passing suddenly at work at XXXX. As a widow I'm trying to do the right thing by working XXXX jobs however my other job wasn't putting me on the schedule leaving me with only the XXXX job. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the summer there is not a job for me there not being out on a schedule at my second job created many hardships. 
With the State of Ohio the maximum fee is {$3400.00} and that is for a completed foreclosure. 
I have sent XXXX letters one to the bank, attorney, and the CFPB Facing this has lead to stress and health issues but I still go to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
The information reported is incorrect. 
The date opened and the amount are both incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I took out a loan on my Chase credit card that had a low interest rate and fixed monthly payments. I was subsequently penalized for continuing to use my credit card. I wasn't able to chose where my payment went. Chase puts it towards the lower interest loan until it's paid off leaving my newer purchases on my card with the higher ( over 20 % ) interest rate. This is possibly in the fine print somewhere but definitely was not expected from what I thought was a reputable company like Chase. 
The supervisor I spoke to definitely had a script and read it. When I asked more questions he told me that he already explained it and hung up. They say they record the conversations so it should be there. Needless to say I will be paying off the Chase credit card and cancelling it and using my XXXX card from now on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: AZ

Complaint narrative:
Date of Letter : XXXX XXXX XXXX Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Unauthorized Charges That Were Not Made on My Physical Card With XXXX XXXX XXXX XXXXXXXX XXXX Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the XXXX XXXX  via telephone after I was notified by XXXX XXXX that there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling XXXX customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from XXXX phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. XXXX XXXX now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

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 non-monetary relief
Consumer complaint received 2023-11-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX REGARDING : Dispute of Unauthorized Charges That Were Not Made on My Physical Card With XXXX XXXX XXXX XXXXXXXX XXXX Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the XXXX XXXX  via telephone after I was notified by XXXX XXXX XXXXhat there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling XXXX customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from XXXX phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. XXXX XXXX now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

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 2023-11-30 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/2023 my credit card was charged {$120.00} for my normal XXXX XXXX for the month of XXXX. 

A few days later I got a extra charge on XX/XX/2023 for {$160.00} charged by XXXX. 

Another few days later I received another charge on XX/XX/2023 for {$160.00} charged by XXXX. 

I contacted XXXX and the agent I talked to did not see the charge on my account and told me to contact my credit card company ( Apple Credit ). 

I disputed the charges with Apple Card for {$160.00} and {$160.00} and sent copies of my XXXX bill as proof that these were fraudulent/erroneous charges and the dispute was rejected. 

My bills for XXXX around this time frame were the following which shows up on my credit card which are accurate. 

XXXX bill for {$100.00} paid on XX/XX/2023. 
XXXX bill for {$120.00} paid on XX/XX/2023. 
XXXX bill for {$130.00} paid on XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Summary of Complaint : I am filing this complaint regarding Bank of America 's handling of a chargeback dispute ( Claim # XXXX ) for a transaction made on XX/XX/XXXX with XXXX XXXX XXXXXXXX for {$800.00}. I purchased an electric scooter, which was marketed as a sale of an existing product, not as a typical crowdfunding pledge. Despite this, the bank denied my chargeback request on the grounds that XXXX operates as a crowdfunding platform. 

Key Points of Concern : Misrepresentation of Transaction : XXXX XXXX XXXX promised 100 % delivery for every purchased perk and ensured regular updates on delivery schedules, clearly implying a sale rather than a donation or speculative crowdfunding pledge. 

Non-Delivery and Lack of Communication : Since the purchase, I have neither received the product nor any tracking information. My attempts to contact the merchant have been met with no response. 

Product 's Retail Availability : The scooter was already available in retail stores at the time of purchase, which further validates my expectation of this being a regular purchase.

Bank 's Decision on Chargeback : Bank of America denied my chargeback request on XX/XX/2023, categorizing the transaction as a donation under crowdfunding, which disregards the nature of the transaction as presented by XXXX 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 monetary relief
Consumer complaint received 2023-11-30 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: IA

Complaint narrative:
I was a victim of the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: SC

Complaint narrative:
XX/XX/2023 I received copy of my credit reports ( XXXX and XXXX ) and IC Systems is listed in collection section on these reports and I have no contract with this collection agency. I have never spoken to them in person or by phone, I have never received a letter or electronic communication. This is a debt that I am not liable for and this entry from IC Systems on my credit reports is damaging my credit as a consumer. I understand there are laws to protect consumers in situation like this and that I have a right to request a full investigation for authorization and verification as to why this company is listed on my credit reports.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
on or about XX/XX/XXXXXXXX XXXX XXXX XXXX an application was submitted online through American Express for the American Express Gold Card. For reasons outside of this matter a credit freeze was in place with the 3 consumer reporting companies. XXXX, XXXX and XXXX. During the application process XXXX, the applicant/consumer was " FORCED '' to allow American Express be given access of the reporting agency " XXXX '' doing business as XXXX. NO-WHERE on XXXX website does it state it is a consumer reporting corporation. In actuality under its Licenses and Disclosures link it gives actual statement of the companies true nature. Not Once! does it claim it is a consumer reporting company but actually states it is a XXXX XXXX XXXX. This is Fraudulent and Deceptive practices by both companies and I have certified mail receipts that American Express has received my dispute over this and other items related to the intentionally misrepresented credit application. In my letter I supply evidence of this numerous incorrect assumptions, presumptions and the true nature of the credit process. I demand that American Express correct this application of which is identified as application ID # XXXX. and for American Express to correct this unlawful decision to deny the issuance of my lawful right to credit under the acts, codes and federal regulations that protect and guarantee my lawful demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-11-30 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For the past 9 months, I have been sending dispute letters to this company however, for every dispute letter that I've mailed to them I sent as certified mail for tracking information. However, every time the dispute letters have been delivered I keep receiving an email from them stating that they received my dispute letters but do not believe it was sent by me. However, all of my letters were sent with the appropriate verification documents required by the law. Additionally, every time I call them regarding the email and to verify the letters for a dispute, the representative tells me that once their system flags the documents for this reason they discard the letters so I will not be able to submit them for a dispute once this happens. I've also called and submitted a complaint with a representative over the phone and this issue still occurs.

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 2023-11-30 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: TX

Complaint narrative:
As of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or " XXXX XXXX '' is in violation of multiple codes including 15 USC Code 1681 as no procedure was performed to verify the alleged debtor or agreement that justifies the posting of said accounts to my consumer report.

I regularly monitor the report for accuracy and noticed this account for collection that I have no knowledge of. I am not sure where this came from and have requested for the account to be VERIFIED OR REMOVED.

Please have the company produce the original agreement or contract including my signature to confirm the alleged debt.

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