vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  account XXXX. I have not supplied proof under the doctrine of estoppels by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX have already deleted the fraudulent account! All requirements ID with the XXXX report. You are required by law to remove this account no later than four days. This account is involved in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app closed my account for no reason now has my money on the account Nd I cant access my money or cash out my money cash app disabled my card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MoneyLion Inc.
State: NC

Complaint narrative:
Moneylion has been constantly withdrawing money from my account! I spoke with a fraud department representative for Moneylion on XX/XX/XXXX and after talking for almost XXXX hrs we were told that my Moneylion account would be frozen and suspended while the investigation is launched, meaning no transactions or anything can be done with my account. At the end of the call with the fraud department, I was told that I would receive a case number in my email for my account investigation, I even have a voicemail that was left on my mobile device confirming that the case number would be sent to my email. Here I am today with no case number, and no representative answering the fraud department line even after being on hold for over XXXX. 
I first noticed my Moneylion account was breached on XX/XX/XXXX after receiving notifications of unauthorized transactions being processed from my primary bank account through Moneylion. Also, on XX/XX/XXXX there was another big breach into my account after noticing more unauthorized transactions being processed, these transactions totaled more than {$1500.00}! Today XX/XX/XXXX I have had a total of over {$2500.00} withdrawn from my primary external bank account for Moneylion payments and deposits even after reporting this account to the fraud department.

I havent used my Moneylion account in over 6 months in XXXX since I began working my new position with the United States Postal service, so it was mind blowing that so many transactions as well as loans and withdrawals from my external bank account was being processed by Moneylion. I CAN NOT GET THEM TO STOP TAKING MY MONEY and it is getting in the way of my real bills and paycheck deposits. Im seeking help in this case because this company obviously doesnt care about the claims and complaints from customers. THIS IS NOT ME USING THIS MONEYLION ACCOUNT and I refuse to keep losing money over a careless company! I will be taking all steps necessary to pursue legal actions against this company in hopes to stop the fraud and to receive my hard earned money back. 
( I also have photos of all the unauthorized transactions Moneylion have processed in less than a month totaling more than {$2500.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: MD

Complaint narrative:
On XX/XX/XXXX, a debt collection company XXXX XXXX placed a {$290.00} collection account from XXXX on my credit report. During the summer of 2017 I moved out of an apartment into a house. At the time we had XXXX and want to transfer our service, but unfortunately where we were moving XXXX wasnt fully available we could only do internet at the new house no XXXX XXXX. A few weeks later after everything was changed and we moved, I was getting bills for my service at my old apartment. After many phone calls trying to explain to a few different XXXX reps, that I moved my services to a new address and was only able to keep the internet not the cable package we previously had, I was told this would be corrected and not to worry. Which the reason this even occurred was due to XXXX fios beng separate from regular XXXX at least thats what I was told. Now 5 years later some credit reporting agencies slaps this on my credit report, they havent even tried to make contact with me! Ive have spent enough wasted time dealing with XXXX and their horrible customer service, this is a clear example how they dont care about their customers. Thanks to this inaccurate collection item my score dropped almost XXXX points. After spending years to bring it up, truly unbelievable. Oh and also thanks for nothing to Experian for taking 3 days to try and resolve a dispute going back 5 years ago.

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 2022-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
I lost my wallet that contained my ID and social security card and because of that someone went into a medical practice and fraudulently posed as myself. I was billed for something that I didnt do. I told Wakefield and Associates that I have insurance so why would I go to a medical practice and be billed for something I did not do and my insurance company not cover it? Identity theft was committed and nobody is doing anything about it. The medical practice XXXX XXXX XXXX XXXX XXXX keeps saying the information is accurate which is not! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2022-01-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I have an auto loan through Credit Acceptance. Today XX/XX/2022 they repossessed my vehicle with out sending a right to cure the vehicle. Im at a loss at what to do.

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 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td Bank/Td Card services has been illegally upcharging interest on my credit card bills. For example, Td Card Services charges interest on debits that have been refunded. Td Card services/Td Bank also claims I paid late, when I never did. In fact, I have proof via their outdated faux-app which is merely a website saved on an iphone/android homescreen that proves i paid, yet TD charged me late fee 's regardless of the fact. I have reached out to TD via phone, mail, email and even social media, to no avail. I have screenshots, screen recordings, call logs and countless pieces of proof that shows the negligence and outright illegal acts TD has displayed. I am a XXXX veteran, regardless, TD shoud n't be taking advantage of any one person, whether they served the United States Military and was rendered XXXX due to valor on the battlefield.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, a debt collection company EOS CCA placed a {$290.00} collection account from XXXX on my credit report. During the summer of 2017 I moved out of an apartment into a house. At the time we had XXXX and want to transfer our service, but unfortunately where we were moving XXXX wasnt fully available we could only do internet at the new house no XXXX XXXX. A few weeks later after everything was changed and we moved, I was getting bills for my service at my old apartment. After many phone calls trying to explain to a few different XXXX reps, that I moved my services to a new address and was only able to keep the internet not the cable package we previously had, I was told this would be corrected and not to worry. Which the reason this even occurred was due to XXXX XXXX  beng separate from regular XXXX at least thats what I was told. Now 5 years later some credit reporting agencies slaps this on my credit report, they havent even tried to make contact with me! Ive have spent enough wasted time dealing with XXXX and their horrible customer service, this is a clear example how they dont care about their customers. Thanks to this inaccurate collection item my score dropped almost 50 points. After spending years to bring it up, truly unbelievable. Oh and also thanks for nothing to XXXX for taking 3 days to try and resolve a dispute going back 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
All three credit agencies fail to show that I have a credit card account with Citi. I opened this account in 1991, over 30 years ago, and have maintained it open continuously since that time. This is the only revolving credit account that I have open and I have no other debt, although I have 30+ years of excellent credit. I haven't used my Citi credit card for about a year, which resulted in Citi no longer reporting my account to the 3 credit bureaus. Because they don't report my open account ( which has a {$25000.00} open and accessible credit limit ), all three bureaus no longer show that I have any open accounts and don't recognize that I have had this card with excellent payment history since 1991 ( my oldest credit account ). This has caused my credit score ( previously XXXX in XXXX of this year ) to simply disappear from all three bureaus. I used the Citi card a couple of weeks ago, which Citi says will result in their reporting again to the three bureaus ; however, in the meantime my process of applying for a new mortgage has been completely de-railed. I have two inquiries on my account by the two lenders that both denied me due to the lack of a credit score. I will now have to get two more inquiries on my account if and when the score is re-instated. These extra inquiries can hurt my score. I tried to get Citi to proactively submit the past year 's worth of account status to the credit bureaus, but they insist that they must wait until the next billing cycle, which will be too late for the loan/home I'm trying to purchase. It's unfair to me and unfair to lenders that check my account right now and don't see that I have an open and accessible $ XXXX credit line with Citi, because that card and credit line are not being reported. Going forward, I will use the Citi card more often, but there is a problem with the system if and when banks are not required to report all open accounts to the credit bureaus, regardless of whether or not they have been used recently.

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 2022-01-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have sent FTC Affidavit and police reports certified documentation via USPS to Experian regarding this address that is showing on my credit report along with 5 accounts that do not belong to me that is showing on my credit report because the accounts is registered under this account that I have never resided at. The address that does not belong to me is : XXXX XX/XX/XXXXXXXX XXXX, XXXX, ohio XXXX. I have reached out to the third party company XXXX XXXX in XX/XX/2020 that Experian use to verify addresses some time ago last year to let them know that address does not belong to me and I have attached the response from XXXX XXXX. That address was deleted from my files because it does not belong to me like I stated to Experian last year. Experian refuse to delete the erroneous address along with a 5 accounts that is registered under this address. This has damaged my credit tremendously! I take pride in my credit! Having incorrect addresses on consumer credit reports can cause fraud and identity theft meaning mail in my name is going to that address and it should not so now my personal information is compromised. The accounts on my credit that do not belong to me is : XXXX XXXX,XX/XX/XXXX All those accounts have the address of XXXX XX/XX/XXXX XXXX XXXX, XXXX, ohio XXXX. Remove this erroneous address and the accounts that follow this address from my Experian credit report NOW! I have attached the response from XXXX XXXX. Do not send me a pre-generated letter stating Experian verified because that will be false and a lie! I will be forced to seek legal action to sue Experian if this is not resolved. THE DOCUMENT THAT IS ATTACHED CLEARLY SAYS THAT ADDRESS WAS DELETED ALONG WITH OTHER ADDRESSES FROM MY FILES SO PLEASE DO NOT TRY AND SAY IT IS VERIFIED THE DOCUMENTATION IS ALL THE PROOF NEEDED AND I WILL BE SENDING THIS COMPLAINT AND MY DOCUMENTATION TO MY ATTORNEY.

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 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XXXX, nice and XXXX I have been in forbearance since abril of 2021 my first payment stated in XXXX but they told me that Im not in forbearance anymore and never put that money at the end of my Loan. On XX/XX/XXXX if I dont pay XXXX my house will go on forcloser. I have send them all the paper work they asked. 
City national bank and loss mitigation dept

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because EQUIFAX, XXXX and XXXX have ignored my request to provide me with the documents that their companies have on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I purchased a product from a business on XX/XX/XXXX using XXXX with my Chime debit card. I closed my chime bank account on XX/XX/XXXX due to their policies, I requested a refund from the business as the business I purchase the product from had shipping delays on XX/XX/XXXX. XXXX issued the refund to the closed Chime account and instead of rejecting the refund back to XXXX Chime accepted the refund without notifying me. I called Chime and they stated that I would have to wait 30 days for them to mail me a check. This is unacceptable, this is not their money and has no right to keep it for 30 days. The reason why I chime accepted the money instead of rejecting it was to put the money, that they have no right to, in an account that they earn interest on for the 30 days. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/2021. The business Chime stated in the response that they mailed me a check on XX/XX/2021 for the {$2000.00} that they accepted for a XXXX refund dated XX/XX/2021 on a Chime account that I closed on XX/XX/XXXX. To date, I have NOT received the check they owed me. I have asked for the tracking number of the check and a new check to be sent out and the Chime reps always say the same thing, that they will escalate it to another department and they will contact me via email in XXXX to XXXX hours. I have received no response via email of the multiple time I have called the customer service number and was told that someone would email me. I have called multiple times and the Chime reps are unable or unwilling to give me information on where my money is. I called XX/XX/2021 and the call started at about XXXX pm XXXX and it took about XXXX hours but I got a manager of the managers for the customer service reps named " XXXX '' who told me that they rejected the refund and sent it back to XXXX, and as proof, he emailed me the document I have attached which says nothing about sending the funs back to XXXX. I contacted XXXX and they did a trace on the funds which went to Chime who currently has them. It has been well over a month, I still don't have my money, can't contact anyone who knows what's going on or can help me. I have asked for a tracking number to the mythical check that no one can give me. I have asked for a new check to be sent out to no avail. I have also filed with the state attorney general 's office of California and contacted the FBI about this horrible company. My next move is to file in small claims court and name the CEO of this company as the defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
My Loan was transferred from XXXX to Fay Servicing in XX/XX/XXXX. I had XXXX XXXX XXXX. Both in XXXX. At that time was in a payment plan to catch up on XXXX payments. Before I could finish the plan, my loan was transferred. In addition, the loss mitigator from XXXX indicated in the email being attached that I would have to be re-evaluated for XXXX. 

Now, this company prints out that the last payment received was XX/XX/XXXX, when I have been paying the whole year on the payment plan. I have been unsuccessful at getting anyone to understand this and need help. They have my loan as if no payments are being made. 

The account manager has been emailed and called. Nothing is being returned. I am in danger of losing my home. I am asking for three months to get my loan current. The representatives are either rude or giving me misinformation. They girl told me on the phone they will be sending a letter to me asking for over XXXX at one time. I also recently received another document in the mail asking for XXXX, which is what is owed on my mortgage. 

If there is anything someone can do to stop these people, please help me. I have no money for a Lawyer to sue them.

Company response to consumer: Closed with explanation