vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Good morning, my name is XXXX XXXX. Ive been a good member with MoneyLion for over XXXX to 3 years and they suspended my account for no apparent reason at all. I didnt even get a warning or email from MoneyLion company especially when I have my direct deposit from the city of New York XXXX XXXX XXXX XXXX They talking about Im receiving money from a third party whom I received money from which is cashapp and these third party payments where I earned income from. MoneyLion claims that my account is under investigation thinking about Im running a scam it something. Im a law abiding citizen. I send them valid documents of uploading my identification with a selfie of myself other documents of where I received my mail from and written a valid statement of the profession on what I do on my second job which is a independent contractor that does resumes research papers and other various things as well to earned a income. MoneyLion violated my rights and the contract agreement that I signed especially paying back the loan as well. Something has to give about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I wish to practice my right as a customer of Chase Bank to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Chase Bank. 

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by a sophisticated con-artist named XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent persona ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
XXXX, XXXX and XXXX Are showing payments and delinquents on my reports and that is incorrect information. XXXX  XXXX  got paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion, XXXX and XXXX XXXX showing payments and delinquents on my reports and that is incorrect information. XXXX XXXX  got paid in full

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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, Experian and XXXX XXXX showing payments and delinquents on my reports and that is incorrect information. XXXX XXXX  got paid in full

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 2022-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bepensa Capital, Inc.
State: NC

Complaint narrative:
On or about XX/XX/2022 I applied for an auto loan with XXXX XXXX XXXX and the company went through a bank called Credito Real USA Finance LLC. During this consumer credit transaction, I was asked for a down payment, there was a hard inquiry on my credit report. On XX/XX/2022 i completed all paperwork and was told to pick vehicle up Friday XX/XX/2022. all paperwork was finalized and loan was completed. On XX/XX/2022 I received a call from Credito Real USA Finance LLC and received threatening calls about if I do not bring vehicle back there will be legal action. The bank credito real USA Finance LLC was in violation of 15 USC 1662. The Fianance Bank Credito Real USA denied my loan. Their reasoning was beaceuse my employment couldn't be verified. I have already left the dealership with the vehicle. Employment should have been verified during loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My sister-in-law, XXXX XXXX owned the property in question with her mother, XXXX XXXX. She had put the property into forebearance after losing her job in XXXX during Covid. XXXX passed away on XX/XX/XXXX and XXXX 4 days laters on XX/XX/XXXX. I was named XXXX 's executor and her son, XXXX XXXX was named her heir. I am XXXX XXXX 's XXXX or her estate and XXXX 's XXXX of Attorney. 

I have been working with Flagstart Bank and began making the modified loan payments in XX/XX/XXXX. I was working with the loss mitigation department through this process and was at the finish line to completing the loss mitigation when they told me that I needed to get the deed in XXXX XXXX 's name. I did that in XX/XX/XXXX and then immediately the loss mitigation was cancelled and no one at Flagstar would talke with me. 

I had to resubmit all the documents from the death certificates to my certificate as the administrator, the deed to put the property in XXXX 's name and the power of attorney. They sent me a letter telling me that XXXX XXXX would be my single point of contact. I called this past week on Monday to try to get an appointment with her and was told it would be 24-48 hours before I would hear from her. As of today, I still have not heard back from heror anyone at Flagstar. I have made sure the modified loan payments have been made since XXXX ; but they have returned the XXXX payment. 

I also have now received a letter that they are going to foreclose on the property, I'm going to pay the amount of the original payment this month to try to get their attention that way ; but I'm at wits end since they are no longer talking with me on this matter. I have been trying to resolve this for months and get the loss mitigation finalized. 

Please 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 explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
XXXX XXXX is fraudulently reporting and trying to collect on a charge from an old credit card that I has back in XXXX the card was lost/stolen and my identity was used to make unauthorized charges, and now 2-3 years later they sold the " fraud case '' to a collection agency. The collection agency keeps harassing me via mail, and phone calls, they have even sent a threatening letter to place me in jail if payment wasn't made on the old fraud/dispute case that has been settled and closed since XX/XX/2020. I have written proof that XXXX XXXX got the money back and it was covered under the fraud protection act. The FDIC insurance claims protection for fraud was honored to my knowledge of paying back the fraud charges. this protection is for when you have any credit card and file a fraud dispute which I did in accordance with the law. However, It's like they want a triple payment, since XX/XX/2020 XXXX XXXX considered the case closed and " wrote off '' the alleged debt. However, to my understanding, it was paid back under the FDIC fraud protection, and now falsely and illegally trying to collect a fraud/dispute case through a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/22 I informed Experian to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. I've also called Experian multiple times to have this removed over past 2 months and didn't removed it. I didn't even ask for a fraud alert. They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago. 

Experian, there should be NO fraud alert on my file! You changed it from extended fraud alert to it now being a one year fraud alert. I've asked multiple times for no fraud alert being on my file. 

Enclosed is ID, social security card, and proof of address.

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 2022-11-19 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: NV

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. 

PUBLIC RECORD : XXXX XXXX 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 take 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. The bankruptcy is under an address that does not belong to me. I have repeatedly sent in documentation and transunion refuse to remove. This is my final attempt for I have reached out to legal representation to file a class action lawsuit. I am 100 % sure this is taking place with other consumers and it needs to stop! THE ADDRESS THAT THE BANKRUPTCY IS UNDER IS DELETED FROM MY XXXX XXXX FILE I HAVE ATTACHED THE PROOF TO SHOW THAT XXXX XXXX XXXX XXXX, XXXX, OH XXXX WAS REMOVED BECAUSE I NEVER LIVED THERE.

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 2022-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tally Technologies
State: MD

Complaint narrative:
My credit report shows a Line of Credit account & debt owed that I have no knowledge, nor was opened by me. This unauthorized use of my information & credit report affects my employment status. 

Account info Account name TALLY TECHNOLOGIES INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open. {$4.00}, XXXX past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX {$10000.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$4100.00}

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 explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, Navy Federal began depleting my personal checking account without authorization to cover a debit from my daughter 's account who is fully an XXXX and should have a college checking account. This is not a joint account. It was previously considered a XXXX account years ago but of XXXX she became an XXXX and it should've became a college checking account. As well as the {$5500.00} that her account is overdrafted is due to fraudulent charges that is being disputed with the bank. We have contacted them multiple times via over the phone and just recently in the bank yesterday to try to get this resolved. We have received a police report from XXXX Police department only because we were able to go in house but are trying to get XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX on the phone since they have literally took all the little money I had for my car insurance and food and gas money. I'm a single mother of XXXX and them taking money with my authorization for something I'm not responsible for is absurd. They have refused to rectify any of the situation and stop money being withdrawn from my account and refused to correct the type of account because of the investigation pending. I'm not sure why video surveillance can't be seen at all these various places especially at the branches and I was told by the bank representative that the fraudsters make a fake id with my daughter 's information so it seems that the bank would be able to match the ID pics of from when the account was opened, the one she legit uses in the bank versus the fraudsters as well as see that she wasn't in all these places on the same day ( XX/XX/XXXX told by the bank that deposits and withdrawals were made at the XXXX XXXX and XXXX XXXX ) when she was in XXXX XXXX XXXXXXXX XXXX Neither am I not understanding why the bank didn't flag and decline the charges and just now they have her account flagged and she can't view her online app. Dates are seen in the documents attached of charges and time stamps of her XXXX XXXX as well as proof of one of the police reports from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: VA

Complaint narrative:
A car was purchased on XX/XX/XXXX. 

The dealer, XXXX XXXX XXXX, made several misrepresentations during the sale of the car. Hence, the dealer committed fraud and the vehicle was not fit or safe for driving. Further, when attempting to locate the vehicle in the Virginia XXXX system, a VIN for that vehicle was not able to be located which leads me to believe that this car was mean to be " junked '' or for salvage. Nevertheless, this information was not disclosed at the time of sale nor did the dealer complete the proper paperwork to title the vehicle in my name upon satisfaction of the loan. 

I disputed several transactions related to the sale of the car. First transaction was for {$100.00} to hold the car on XX/XX/XXXX ; the second was a down payment of {$3400.00} ; and the third was {$120.00} to extend the service contract on the vehicle. 

Due to the fraud that has been committed the contract is void and I have requested a refund from the dealer, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX. XXXX Chime. 

None of which has honored my request even though my card is insured by XXXX to prevent events like this from occurring and providing a valid dispute resolution process. 

I am now appealing to the CFPB. 

I wish to retain all my legal right to peruse what other remedies may be applicable under the law. 

I nearly lost my life  several times driving this car especially when the brakes failed, and the lives of my children were put at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My mother had a business account with Wells Fargo for her business XXXX XXXX. My mother passed away in XX/XX/2021. Since she passed away, the estate including this business account has gone through probate. My sister, father and I jointly inherited her estate. Georgia court has signed the final PET order stating this. However, Wells Fargo have blocked the bank account refusing us access to the account even though we provided all the required documents from Georgia court and the probate firm. We also provided personal documents to identify and confirm who we were. I have a checking account with Wells Fargo so the bank already has my profile. We made a complaint and this was supposedly escalated to the executive team. Yet, Wells Fargo refuses to allow the rightful heirs access to the account. In the meantime, my mothers property business suffers. We are unable to pay for the repairs and maintenance of the properties. We lost out on two offers for the purchase of one of the properties because the buyers needed a business account to make payment and the company account was blocked. The experience with Wells Fargo has been very traumatic adding extra stress to a family mourning the loss of a loved one. We also feel we are being discriminated against because of our race.

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 2022-11-19 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XXXX and delete accounts from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
PLEASE TREAT THIS COMPLAINT AS DIFFERENT THAN ALL OTHER COMPLAINTS I MADE : this complaint is in regards HIDING INFORMATION FROM THE ONLINE SYSTEM. Please see ATTACHED EVIDENCE. 
United Wholesale Mortgage is hiding important information. 
United Wholesale Mortgage did not apply important information to the online system with the purpose of overcharging my account. 
The 2 very important letters they have disclosed on CFPB website, ( meant to notify me ) ARE MISSING FROM THE ONLINE SYSTEM. 
These are the same 2 VERY IMPORTANT LETTERS ( which I didn't receive ) that were supposed to protect my rights against abusevily charged Lender Placed Insurance. 
UNITED WHOLESALE MORTGAGE is using deceiving practices to overcharge my Escrow Account. 
If these 2 letters ( dated XX/XX/2022 and XX/XX/2022 ) were ever disclosed to me I could have protected myself against the abusevily charge on my account regarding Forced Placed Insurance. 
UNITED WHOLESALE MORTGAGE WAVED ALL MY RIGHTS by NOT APPLYING EXACTLY THESE 2 IMPORTANT LETTERS to THE ONLINE SYSTEM. 
NOT EVEN A SINGLE EFFORT WAS MADE TO NOTIFY ME BEFORE THEY PURCHASED LENDER PLACED INSURANCE. 
Dear Director from CFPB, please have a supervisor investigate this issue. 
United Wholesale Mortgage is using deceiving practices to avoid to answer my complaints such as but not limited to : 1. ATTACHING HERE ( ON CFPB website ) tens of pages UNRELATED with the issue and they BYPASS/game the system without answering. 
OR They mark the COMPLAINT as similar. 
This is NOT A SIMILAR COMPLAINT. 
This complaint is about HIDDEN INFORMATION. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I just looked on my credit report and saw I have two new accounts open on my report for credit cards on XX/XX/XXXX. I just paid off all my credit cards except XXXX, so why would I try for more, plus I don't work anymore to support payments for them so why would I try to get them. I already talked to the one that isn't bank of America because I got a paper in the mail wanting more info about it and told them it is fraud. So I would like these looked into, and closed and taken off 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 2022-11-19 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: NC

Complaint narrative:
Block and delete accounts from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express is fraudulently reporting and trying to collect on a charge from an old credit card that I has back in XXXX the card was lost/stolen and my identity was used to make unauthorized charges, and now XXXX years later they sold the " fraud case '' to a collection agency. The collection agency keeps harassing me via mail, and phone calls, they have even sent a threatening letter to place me in jail if payment wasn't made on the old fraud/dispute case that has been settled and closed since XX/XX/2020. I have written proof that American Express got the money back and it was covered under the fraud protection act. The FDIC insurance claims protection for fraud was honored to my knowledge of paying back the fraud charges. this protection is for when you have any credit card and file a fraud dispute which I did in accordance with the law. However, It's like they want a triple payment, since XX/XX/2020 American Express considered the case closed and " wrote off '' the alleged debt. However, to my understanding, it was paid back under the FDIC fraud protection, and now falsely and illegally trying to collect a fraud/dispute case through a collection agency.

Company response to consumer: Closed with explanation