vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
**Tax Treatment by the IRS** : - The IRS generally considers canceled or forgiven debt as taxable income. According to IRS regulations ( IRS Publication 525 ), canceled debts are generally includible in gross income.

**Tax Law and Code** : - The relevant tax law governing canceled debt is outlined in the Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ). This section states that gross income includes income from discharge of indebtedness.

The CRA 's have violated my consumer rights with illegal and improper reporting causing EXTREME DAMAGE to my accounts ( Estate ). This ADVERSE ACTION, that is what it is PERIOD, coupled with the illegal XXXX XXXX XXXX and Universal Default fraud of sharing PRIVATE and PERSONAL information ILLEGALLY obtained has injured my PERSON and the individual Agent/Accommodation party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: KEYCORP
State: WA

Complaint narrative:
I was ordering food from XXXX inc when I noticed that they were deceiving me and other people into paying for a XXXX membership without my consent. When I asked them to cancel and refund it, they said that was okay and requested the last XXXX digits of my card. I provided them with that card, which I used to pay for my order of chips and salsa and was unexpectedly charged for membership. They insisted that this was incorrect even thought it was and closed the live chat right after saying its on my card history and told them it was the correct card last digits, even though the card I used to make the purchase shows that I placed the order, and they have no other place to cancel in the XXXX database for the subscription plan which is not normal, I have the whole thing documented with picture and info, I want to proceed putting money on a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I transferred {$100.00} worth of XXXX into Binance.US to transfer out XXXX, to buy some crypto on the XXXX XXXX. After initiating a transfer on the XXXX XXXX, transfers complete within a XXXX  or XXXX. 

I requested the withdrawal of {$95.00} of XXXX out of Binance.US at around XXXX XXXX  ET on XX/XX/XXXX Friday. After several hours of waiting I contacted Binance support and they told me to wait a few hours because this was a XXXX XXXX XXXX ''. Meanwhile, all my other transfers on XXXX are going through almost instantly and still are. On XX/XX/XXXX Saturday morning the transfer had failed due to 'network too busy '. I initiated another transfer and it is still stuck in Pending. Binance employees just say the 'network is congested ' when it can be confirmed that it is not. Thankfully I was testing this out with just {$100.00} but I believe Binance is holding and commingling customer funds for their own use without customer consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: SC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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:
XXXX XXXX XXXX This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This is a fraudulent account reporting on my credit The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX XXXX. That means I have no contractual agreement to pay them an alleged debt Under 15 US Code 1692f ( 1 ). Unfair Practices Please delete this account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2024 I ask the debt collector to provide me with proof that I owe this debt with copy of my signature and a receipt and they have not provided me and have put a collection on my credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Sent letter to LVNV FUNDING LLC collections agency requesting validation of debt with them. Requested proof of signed agreement with myself and original creditor, establishing myself liability for debt. The amount of alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am selling a XXXX  XXXX XXXX XXXX set on XXXX app. A women name XXXX XXXX contacted me saying that she will buy the XXXX XXXX XXXX for the amount of {$2900.00}. XXXX sent me a check through mail of the amount of {$2900.00} plus the fees to pay the moving company. After depositing the check and the bank gave me the green light the founds were available XXXX asked me to wire transfer {$3000.00} to a person named XXXX XXXX with a wellsfargo bank account with Routing number XXXX account # XXXX. Once the wire transfer the next day XX/XX/2024. XXXX texted me from the phone number XXXX to tell me she was cancelling the sell on me. Right away I went to my bank to try to stop the wire transfer. But the wire transfer was done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On Thursday XX/XX/XXXX I ordered groceries from XXXX XXXX. My pending charge was {$360.00}. There were items that were out of stock. My final charge was {$290.00}. I keep every single dollar in my savings account and transfer it as I need it. The charge finally posted in the correct amount but the funds were never made available. When I reached out to the bank they have re ordered charges to make it look like the funds are now being used on pending charges but that is untrue. I transfered money from my savings each time. I am missing at least {$71.00} I'm not sure how many other times this has happened or to how many people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
In the First Complaint US Bank Only completed HALF of the Complaint And CFPB Closed the Complaint ( XXXX ) NOW for the Second time : US BANK Cashed a forge Check XXXX XXXX XXXX {$870.00} ( attached with Affidavit ) ALL Documents have been Sent more than XXXX Times Now . This is the check US Bank called me on that started this XX/XX/2023 the check was made out to US Bank for a XXXX  Payment of which I am owned a XXXX XXXX  Late fee had to Pay also. The amount was removed from MY Account but NOT to the XXXX. Deposited to someone else US Bank Account and NOT to the payee of check intended For. US Bank is NOT Customer Friendly!! they have Held on to MY Money for XXXX  Months now. ReQuest money to be Returned. US Bank has a Great Customer Service, They are SORRY for Everything. BUT, They don't get Anything DONE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
Did not received written disclosure from company concerning, only received bill via text message, did not receive notification of rights or a USPS delivered mail containing debt information.

Debt is disputed, and not mine, but the manner through which they texted me was deceptive and would have disclosed personal information to another party if viewed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NH

Complaint narrative:
recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX paymenton an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and past due balance of {$280.00} from XXXX on XX/XX/XXXX ) Im now requesting you investigate and provide verflable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. As it is my affecting credit and my moms credit as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: Self Financial Inc.
State: SC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: CITIBANK, N.A.
State: SC

Complaint narrative:
In XXXX I noticed charges that were not mine on credit card statement. I called and they removed them also were to close account and send me new credit card. I did receive a new credit card but never activated it, I dont use this card often. I received a new statement with a new charge on there for {$52.00} made on XX/XX/year> to mint mobile. I immediately called and disputed also said this account should have been closed due to previous problem. They said they would remove charge and close account. Today XXXX XXXX I received a notice that they have closed investigations and refilled my account. This should have never been billed. They have email account as XXXX Internet address as Washington Virginia United States. 
I just want this account closed and this charge removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent in letters to update my personal information on XX/XX/2024 and have not removed the addresses or my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX all mishandled my personal information sold my information to other companies without my permission I have hard inquiries on my credit that I have no knowledge of I'm asking this be removed due to the negligence of these companies. This is damaging my credit and my career.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
XXXX XXXX all mishandled my personal information sold my information to other companies without my permission I have hard inquiries on my credit that I have no knowledge of I'm asking this be removed due to the negligence of these companies. This is damaging my credit and my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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.

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX ), Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name, XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A. States I have a right to privacy.

15 U.S.C.1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: NM

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. 
Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX ), Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A. States I have a right to privacy.

15 U.S.C.1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent in letters to update my personal information on XX/XX/year> and have not removed the addresses or my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent in letters to update my personal information on XX/XX/2024 and have not removed the addresses or my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I leased a car through US Auto Sales on XX/XX/XXXX. Everything was going well until the brakes went out on me in the XXXX XXXX just XXXX  days later. It was burning oil. I called to complain. They would shut off my car when I wasn't even late. Charge me late fees. And I look on my credit report and it's saying I owe XXXX dollars but I had already paid to XXXX. I voluntarily repossessed it XX/XX/XXXX. I was told by a mechanic that this car should have never been sold and it was unsafe to drive. Oil would splatter out of my exhaust. The fuel pump was rusted and had not even a month left. They sell lemons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
I consolidated my loan in summer of XXXX as I was told I needed to do this to get the best repayment plan. I then contacted Mohela in XXXX to apply for SAVE program. I was told that my loans should not have been consolidated and they no longer qualify for SAVE program. I requested Mohela to return my loans to their original status ( they gave me incorrect info in the summer ). As of XX/XX/XXXX, Mohela reverted my my loans to their original status but they did not remove the consolidated loans. My loan balance has increased {$100000.00}. This increase in my balance has been since XXXX. When I call Mohela, customer service tells me that this issue is too complex and they need to send it to the supervisor. I then get a message that the supervisor will call me back. As of XX/XX/XXXX, I have not been able to correct my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
In XXXX, Select Portfolio Servicing sold my mortgage to a third party and is now refusing to provide me with a copy of my original deed and other necessary documents to allow me to dispute the incorrect loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation