vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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: MoneyLion Inc.
State: TN

Complaint narrative:
Moneylion is taking money out my account monthly however they have reported this to all 3 credit bureaus as a charge off account. The account is still active and they took a payment from me a week ago. When I call the rep 's tell me my account is active but in an " internal collections ''. How is my account charged off and they are still taking payment out my account? If it were in collections a collection 's agency would be in contact with me and that hasn't happened. I feel like they are stealing from me. The account is active and open. Not reporting as a collection 's but as a charge off. Which is incorrect because I'm still making payments and they are still accepting them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LendingUSA
State: FL

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. 

Id have an excellent repayment record. Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. Also request a payoff letter to pay balance off in XX/XX/XXXX. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
i stop at XXXXXXXX XXXX my account is in hold all my funds are in hold by collection agency LVNV Funding LLC A/P/O a judgment date XXXX XX/XX/2008 original creditor XXXX south dakota XXXX, i have credit card a account with XXXX XXXX but im never late payments or any judgments im planing to buy a house i review my credit report every month tha particular account or judgment is not on my credit report on the 3 bureaus so how is possible my money its on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is not sent in by error. I am a consumer by law and my information is being misused and now I have some false not 100 % accounts on my credit report. Unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
Hi Sir, I would like to file a complaint against Wise US Inc . 
I was victim of a scam. The scammers robbed me XXXX USD from my Wise account. I complained to Wise and the final answer was that I will not be refunded. I believe I should be refunded. Below you find more details. 

I tried to make several XXXX transfers from my XXXX  bank account ( XXXX XXXX ) to my Wise account. Due to the international sanctions applied to XXXX, it was extremely difficult for me to get these transactions done. XXXX  scammers approached ( pretending to be from the Customer Service ) me and told me that they could help me to finish this process. They said all I had to do was to transfer money to one Wise account and then I would get all my transactions done. So I transferred XXXX USD to another Wise account ( transaction number # XXXX ) and then I realized I was a victim of a scam. As soon as I realized I was a victim I contacted Wise and filed a report to the local XXXX  authorities. 

After some investigation Wise confirmed the scam and denied my right to get a refund. 
As I'm a resident from XXXX, I also tried contacting XXXX XXXX XXXX and ask for a refund. But they responded that since the transaction was carried out in USD, they can't help me. They said I should report to the US Wise team, because the transaction was carried out in USD. 

I believe that since I am a victim, and the scammers used an Wise account to carry this scam, Wise should refund me 100 % of my loss. 

Attached to this file you find : - A police report ( XXXX  ). It is in XXXX. But I can provide translation if required. 
- Conversation screenshots where the scammers tell me I need to use Wise to get help. 
- Scam transaction pay receipt. 
- Official response from Wise XXXX ( where Wise XXXX are ) based team where they confirm I was a victim of a scam but can't refund me. 
- XXXX Video Call record. Since the scammers contacted me through XXXX, for safety measures I decided to record the video call. There you find the exact moment I realized it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX someone logged into my WellsFargo online banking. 

There were four accounts : " XXXX '' : XXXX  usage in last 4 years, {$40.00} balance. 
" Business Checking '' : Minimal usage ( 3-4 transactions a month ), $ XXXX balance " Business Credit card '' Credit limit XXXX used {$1500.00} " Business line of credit '' Credit Limit XXXX used XXXX on XX/XX/XXXX there were 10 transactions. 

4 from " Business line of Credit '' account. 
Transactions were in amounts of {$990.00}, XXXX, XXXX, etc 6 from " XXXX '' account, however since it had no money, the overdraft protection kicked in and charged the transactions to the credit card. ( same transaction size pattern as above ) All transactions were made using " Bill Pay '' feature, 6 payments were made to account called " XXXX XXXX XXXX XXXX XXXX '' ( i don't & haven't had XXXX accounts in >20 years ). 
4 payments went to " XXXX XXXX '' account. 

Total withdrawn : XXXX Multiple calls, MANY HOURS of speaking with rep after rep asking to speak with someone with decision making authority, Wells Fargo replies with : " We deny the claim. based on our research the transactions were made through secure online session by you or someone who had your authority. Based on this information, we determined the transactions were authorized. '' I dont know what to do as I cant take responsibility for XXXX stolen from WellsFargo via loans using my online account access. 

No one had access to my home or my computer, if someone did, they certainly knew their way around payments and thresholds ( {$990.00}, {$990.00}, etc ) not to trigger any alarms.. I mean what are the odds someone would wait for me to leave & break into my house. 

Saying " we didn't find any unauthorized access, so it must be you '' is a terrible answer..it simply means YOUR TEAM didnt FIND it.. The occurrence is a FACT 6 payments to same payee, 5 min apart, all just a few cents under XXXX 
From accounts that haven't been used in years, VIA OVERDRAFT Account.. 
Immediately followed by 4 payments to different payee, using same tactic ^ If THAT doesn't set off any alarms and doesn't OBVIOUSLY look like fraud, I don't know what does

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I attempted to pay my chase card payment when I moved from XXXX to XXXX, Florida. Previously. After being sick with COVID I was able to make a payment and drive to the ATM but my PIN wouldn't work. It turns out that when I got my new debt card the PIN number was never sent to me. Freaking out because they payment is due they were not able to issue me a PIN because I had just changed my addresses and would have to go into a branch. The next day after the payment was due Chase reported my account as 31 days late. 

I had moved to XXXX to pursue a better job opportunity and I sent Chase a certified letter explaining that I had no idea that my PIN would not work. I had to go after hours to deposit cash in the ATM and I could not do it during business hours. I don't think this is fair and Chase did this to set me up. I will be speaking to my lawyer about this but I want the adjustment done to the credit report as it was their fault I for not sending me a PIN or making me aware when I got the card that I had to go into a branch to get the number. 

Chase needs better transparency with how their system works and actually care about their customers and their needs. I also feel that I am being discriminated against as if I was not a member of the XXXX community they would work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Concord Servicing Corporation
State: NC

Complaint narrative:
I made an over payment of {$100.00} to Concord Servicing. 
They have acknowledged the over-payment but refuse to make the refund. 

-Account paid in full XX/XX/XXXX XXXX received dated XX/XX/XXXX confirming paid in full -Letter received dated XX/XX/XXXX initiating refund of over-payment -Spoke to customer Service " XXXX '' XX/XX/XXXX advising XXXX I will require a physical check, not an ACH, mailed as the bank account associated with auto drafts is now closed. He confirmed a physical check would be mailed to my home address. 
-Spoke with customer service, " XXXX '', XX/XX/XXXX, confirmed check issued and in the mail -Spoke with customer service. " XXXX '', XX/XX/XXXX. Was told ACH was sent. No physical check was ever mailed -Confirmed with XXXX XX/XX/XXXX ( the facilitating bank ) that no pending transactions and no transaction ID of ACH being ever being received or returned to my closed account. 
XXXXEmail sent to " resolutions '' XX/XX/XXXX requesting assistance with reimbursement. 

This is now over 90 days of chasing {$100.00} due to 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 2022-07-21 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: GA

Complaint narrative:
experian has blacklisted me internally from filing disputes online and via mobile devices. Also unable to use experian upload. Was told this matter can not be corrected and unable to speeak to IT dept and recorded conversation with agent. Reported issue for MONTHS to experian and they have refused to assist me, the recording is the proof. My account is reporting with a balance and the account is XXXX and causing me to be penalized with finances/loans and etc. RECORDING CAN BE PROVIDED.

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 2022-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I mailed Upgrade INC a certified letter via the USPS, which they received on XX/XX/2022. In the letter ( attached here ) I made Upgrade INC aware that I did NOT agree with the amount of the alleged debt being reported by them to consumer reporting agencies. I requested documentation showing where the debt originated, how the debt was calculated, and any other documentation that proved their claim is valid. My request is pursuant to 15 usc 1692g ( a ). I still have not received any response from Upgrade INC nor any of the documentation I requested to prove their claim is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Good afternoon, Yesterday, XX/XX/2022, I went to a Western Union on XXXX XXXX XXXX, transaction number XXXX. 

I explained I wanted them to receive in XXXX XXXX {$930.00} to pay for my bills there. The guy charged me {$8.00} for their fees. Fine. {$930.00} total. 

So, then the recipient sends me a photo of his receipt. He received the equivalent to {$810.00} aka XXXX XXXX. 

I called Western Union and they say the exchange rate is XXXX XXXX, when in fact the exchange rate is around XXXX XXXX per {$1.00} dollar. 
Its missing {$90.00} from my transaction. I was never told they are robbing us blind with this exchange rate. I was clear I wanted the recepient to receive {$930.00} there. Their bank did not charge any fee. 
I told Western Union they even refund me for the missing {$90.00} here or send it up there. It's almost 10 % in hidden fee right there! 
They said it isn't possible to correct that. So I'm trying to hold them accountable by reporting it to you guys. And hoping this issue will be solved. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, 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 explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. 

Id have an excellent repayment record. Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. Also request a payoff letter to pay balance off in XX/XX/XXXX. 

Best, 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 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX ( acct # XXXX ) has contacted my by phone, letter and email with threats to garnish my check and to have papers served to my house. I have not open an account or gave permission to open the account. I took the account to my doctor and they do not recognize the bill. They informed me that it must be fraud.. The harassing phone calls has caused stress for something I have not knowledge of. I research as much as possible and phone out its fraud. I want these accounts removed from my credit file ASAP! I have contacted a lawyer about a lawsuit for the harassing phone calls with threats. I recorded some of them. There are 3 accounts don't know the number to one of them but two of them have the same account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/XXXX : {$1000.00} was withdrawn from my checking account through XXXX. I do not use XXXX and didnt even have it installed on my phone. On the XXXX {$2000.00} more was taken, and on the XXXX, {$2000.00} more. 
I hadnt noticed these charges until the XXXX, because Chase did not flag the transactions. XX/XX/XXXX : Another {$2000.00} was taken through XXXX. I opened a case through Chases fraud department, and they began looking into it, and they froze my account. 
XX/XX/XXXX : I went to a local Chase branch and explained what had happened. They claimed they would give me a new account to ensure its security, but only gave me a new username and password, claiming that would be enough. They then unfroze my account. They also were very assuring, saying I would get my money back in full. They credited back {$5000.00}, but were looking into the other {$3000.00}, not having any solid answers. 
XX/XX/XXXX : An additional {$1000.00} was taken through XXXX. I then went to a different Chase branch, and explained what had happened thus far. They gave me an actual new account and routing number. The worker there called their fraud department, talked to them about the additional money taken, as well as the {$3000.00} I was still missing, and again, they assured me I would hear something soon and that I would get my money back. 
XX/XX/XXXX : Still having not seen any refund, I opened a checking account at a different bank and moved all remaining money in my account to this new account, as I feared how secure my money was with Chase. The amount of money moved was approximately {$10000.00}, and included the {$5000.00} that had been credited back by Chase. Chase then contacted me via their app, stating that they would not refund my stolen money, and that they were taking back all credited funds. I went to the same branch, and sat down with the Vice President, who believed me and said she would do everything to help. She contacted the fraud department, took a detailed record of the events down, and said she would escalate the case to a higher authority than herself. She instructed me to wait to hear from her, which I did for about a week before going back in, trying to see if there had been any updates. She told me they had closed the cases, and there was nothing further she could do. Chase then withdrew the {$5000.00} from my account, which only had about {$500.00} dollars in it, putting me in the negatives. The branch has said they cant do anything, and their fraud department refuses to look into it because the cases are closed. I never heard anything about the additional {$3000.00} taken either, they ignored that detail throughout this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm XXXX I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, 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 2022-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I Had recently reviewed my credit report and discovery these account on my credit report. XXXX Open on XXXX in the amount of {$1800.00} and XXXX XXXX XXXX Open XXXX in the amount of {$320.00}. The company state that the debt is mines! HOW? but I was XXXX with XXXX during that time and I received XXXX XXXX at the same time. So I don't recall applying for these account. They are reporting on my credit report from and would like them to be removed as soon as possible please and thank!

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