vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I am XXXX XXXX XXXX, a plus-reward member of Moneygram for over 10 years. On XX/XX/2023 at around XXXX XXXX  EST, I sent in the amount of {$900.00} mobile wallet transfer from XXXX, MD XXXX, to XXXX XXXX XXXX in XXXX XXXX via Moneygram . 

After, a few hours the recipient ( XXXX XXXX ) informed me that he hadn't received the funds in his account. I quickly logged into my Moneygram account to see what went wrong. However, in my account on the MoneyGram website, it showed that the transaction was completed. But XXXX insisted on numerous occasions that no money has been deposited into his mobile account. 

So, I took a screenshot and sent it to him, and he should check with the receiving mobile wallet carrier and let me know. XXXX XXXX follow-up with the mobile wallet carrier and reported to me days after that he had still not received the money in his account. I then called Moneygram and made an official complaint that the recipient ( XXXX XXXX ) has not received the money and I want a refund. 

Moneygram stated they are investigating the issue, Case number : XXXX which could take up to 90 days. XXXX XXXX later, I received an email stating that " MoneyGram has completed the review of your case which relates to a potential error or problem with your money transfer transaction reference number : XXXX, and After conducting our investigation, we have determined that an '' error '' may have in fact occurred with your transaction. As such, you are entitled to a refund in the amount of XXXX ( USD ) ". 

This did not sit well with me, so, I called them right away and demanded that I need all the amount of {$900.00} plus the fee of {$8.00} I sent. Because I couldn't believe why they are only refunding me their service fee and not the original amount I sent. Moneygram then said I have to wait for another 90 days. I waited for a few days and called them again to find out the status of my refund. They kept on giving me the round-around till today and I have still not received my refund. I think this is defrauding an innocent loyal client like me who is trying to support his extended family in XXXX. The thing is that I filed this same complaint with the FTC back in XX/XX/2023, but nothing has happened about the refund I requested. I have attached 4 documents of my correspondence with Moneygram and a report filed with FTC for review. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts below has violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. I demand both accounts to be removed from my credit profile immediately. Its against the law to disclose my information to a 3rd party consumer without my consent and furthermore there was never a 30 day investigation done to determine the accuracy and proper procedure. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MN

Complaint narrative:
One year ago XXXX XXXX offered me protection with a 60 day money back guarantee. Within the 60 days I asked for a refund but they would not return my emails and I could not reach them by phone ... there was not customer support number anywhere on their website. I reported it to Fidelity Credit Card Company and they ruled in my favor and refunded the charge. 

Well a year later XXXX charged me again even though I didn't want the service in the beginning. Fidelity ruled in my favor and had me destroy my credit card and send me a new one. In my discussion on the phone you would think they would explain my automatic bank payments would now bounce, which they did. So Fidelity charged me {$30.00} for this. This happens every time they create a new number so why wouldn't they warn me that .... well so they can gouge me {$30.00}. 

Then they reversed their decision and decided I was responsible for the XXXX charge after all and added it back to my account It is a VISA card and the acct number is 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 monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DRB-40, LLC
State: NY

Complaint narrative:
I started getting calls from someone years ago in ref to a XXXX XXXX  and I told them that this account was opened up fraudulent, I told them that my father who is deceased now stole my information and did this, but what was so alarming that this company allowed someone to fraudulent get this information without proper identification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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 — Overcharged for something you did purchase with the card
Company: Chime Financial Inc
State: IA

Complaint narrative:
I was charged over {$200.00} on XX/XX/2023. My bill was {$26.00} and I noticed a few months later they had charged me {$220.00}. I have called Chime and disputed. I have showed them the receipt and they have denied my claim

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11 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: Turner Acceptance Corp.
State: IL

Complaint narrative:
I am a victim of aggravated identity theft. I ask that you re-investigate this matter and I demand to see proof with my signature on it that you have on file for the account listed. also note that the account XXXX XXXX XXXX XXXX XXXX XXXX is reporting as a charged off. {$11000.00} written off. {$14000.00} past due as of XX/XX/2023. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by the federal law to verify through physical verification of the original signed contract. Also, note that if the company has filed a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX I called my bank Chase Jp Morgan XXXX I noticed an unauthorized charge for {$63.00} on XX/XX/XXXX with the following description " XXXX XXXX XX/XX/XXXX XXXX Dollar XXXX X XXXX ( XXXX XXXX ) ( ... XXXX ) '' on my checkings account via my debit card. 

I never made OR authorized this transaction and called on XX/XX/XXXX to report the fraudulent transaction. The representative from Chase on the phone then disputed the transaction on my behalf, which resulted in my current debit card being terminated and the amount was refunded immediately. 

However, onXX/XX/23 I see that the chargeback was reverse and that amount of {$63.00} was taken from my account again. On XXXX XXXX XXXX XXXX I called the bank and asked why this chargeback was reversed and the bank said that the merchant submitted information that proved that I made the transaction. They said they could not give me the information via email or over the phone and that I needed to wait XXXX days to receive it via regular mail. 

I finally received the information on XX/XX/XXXX and reviewed the docs. The merchant submitted a blank form with no identifiable information that proved that I made the transaction. The unauthorized transaction had no information to link to me. The address was blank. The XXXX was blank. The Name was blank. There was no information whatsoever in the document that the merchant provided that linked the transaction to legitimacy. I have attached this document in my attachments for your reference. 

On XX/XX/XXXX I called the Chase JP Morgan XXXX department again to notify them that I received the paperwork and that there was no identifiable information to link the transaction to me at all. I spoke to XXXX in the chargeback department. XXXX proceeds to tell me that this transaction was filed as a " Item Not Received '' and not as a " fraudulent transaction ''. I went on to explain to XXXX that this is not possible as I called and Chase literally cancelled my card and on the phone filed this as a fraudulent transaction. She said on her system that it was Item not Received! As a result Chase said they can not escalate the chargeback to pre-arbitration. However, this is not my mistake, I called and the phone call was RECORDED where I told the representative it was a fraud transaction. However, the representative messed up the reporting and as a result I'm stuck with a transaction I never even authorized. 

The entire experience has been jarring. I really hope CFPB will investigate how ridiculous of a round-about way they have treated me. 

The case number with Chase JP Morgan for the chargeback is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I received my credit report on XX/XX/2023 and I noticed there were hard inquiries that do not have permissible purpose to be there. These hard inquiries are hurting mefor getting approvals for credit. I have reached out to multiple agencies about this and the issues hav not be resolved. My rights are still in violation under 15 USC 1681B. Iam attaching the hard inquires in question that have no purpose on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
I recently received my credit report, dated XX/XX/2023. While reviewing my report i noticed there were a couple hard inquiries that don't have permissible purpose to be on there. These hard inquiries have affected my credit score in a negative way, and are causing an issue with me financing a new home. I've reached out to the creditors to address the issue, but have not had any success in getting this removed. 

At this point I feel that the creditors continue to ignore by complaint by violating my rights under code 15 USC 1681b. I've attached the hard inquiries referenced above that don't have permission to be on 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 explanation
Consumer complaint received 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. The following accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Only XX/XX/23 I agreed to a " catch up plan '' XXXX with ALLY AUTO to be made on the XXXX of each month starting XX/XX/23. On XX/XX/23 @ XXXX I made the agreed to payment of XXXX. ALLY AUTO cancelled my " catch up plan '' stating they tried to pull funds from my account and insufficient when I notified them I paid via debit card they then said because the payment was made after XXXX its considered the next day. No where in my catch up plan is it stated payment must be automatically drafted or that any payments made after XXXX are considered next day. When I asked customer service to speak to supervisor they declined and when I asked for my original " catch up plan '' to be upheld due to lack of transparency on their end ; they declined stating they could only mark me as applicable for future " catch up plans ''. This company needs to be federally investigated as they are scamming their customers! I am STRONGLY considering taking legal action into my own hands as I've had MANY issues with them of this is not resolved FAIRLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: OR

Complaint narrative:
Sent a letter on XX/XX/23. Company still has not responded. The collections company holding this debt has removed the debt off credit report. This credit card company has not as of yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American First Finance, Inc.
State: TN

Complaint narrative:
AMER FST FIN LOST DURING COVID ACCOUNT SHOULD BE REMOVED I DON'T OWE THIS ACCOUNT CHARGED OFF BECAUSE OF COVID UNABLE TO PAY UNABLE TO RESOLVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have deposited a check from the same company weekly for years. Never had a check bounce. All of a sudden starting on XX/XX/XXXX, Bank of America has been placing ridiculous holds on the funds. Both times, they caused employee payroll checks to bounce. 

The first hold was in one account, for a check in the amount of {$10000.00} deposited on XX/XX/XXXX. They held about half until XXXX XX/XX/XXXX and released the remainder at XXXX on XX/XX/XXXX. 

Deposited a check in the amount of {$7600.00} on XX/XX/XXXX into a different account and they placed a hold releasing {$5300.00} at XXXX on XX/XX/XXXX and the remainder {$2000.00} at XXXX XXXX  on XX/XX/XXXX. I received an email indicating that the funds would be available at XXXX XX/XX/XXXX. When I checked the account and see that they are now holding the entire check until XXXX on XX/XX/XXXX. 

I chatted with Bank of America on XX/XX/XXXX as soon as I saw they were placing a hold. I was given a phone number to call the next morning to request the hold to be removed. The representative said " I will advise due to recent changes in the financial climate, it is no longer our policy to release holds except in very specific circumstances ''. 

I called at XXXX on XX/XX/XXXX and spoke to 3 different people. Escalated twice speaking to a supervisor and then a manager. Nobody was willing to help, kept citing their policy that they no longer release funds and indicated that they " could not verify the funds '' the check was drawn on. 

I also spoke to a representative via XXXX and yet again, absolutely no resolution other than indicating what the policy is and that checks have the risk of being held. 

The funds have already cleared the other bank account and Bank of America is holding our money XXXX with no justifiable cause.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified 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 2023-08-11 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: CA

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is incorrect personal information about me on my credit report.

Company response to consumer: Closed with explanation