vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2023 someone called me from Fifth Third Bank Fraud Department 's official phone number and identified themselves as a Fifth Third Bank employee attempting to verify transactions made I'm a different state on my checking account. They listed charges and dollar amounts I did not recognize them so I stated they were fraudulent. They placed me on hold while they marked the charges as fraudulent. They stated they were resetting my online profile because it showed someone else logged into my online Fifth Third account in a different state. The call suddenly disconnected and seconds later a {$1000.00} charge hit my checking account. It was listed as a XXXX transfer to someone named XXXX XXXX along with the person 's phone number. The person that called me was a hacker that spoofed Fifth Third 's Fraud Department phone number and XXXX 'd themselves {$1000.00} after hacking into my Fifth Third online account. I immediately called Fifth Third Bank Fraud Department ( the same number the hacker spoofed ) and filed a dispute. On XX/XX/2023 I received a letter in the mail from Fifth Third Bank stating they denied my dispute for the {$1000.00} fraudulent charge. I literally gave Fifth Third Bank the XXXX information I found from the person who stole my money and the screenshot I took of the call log showing the fraudulent call cane from Fifth Third Bank and they still denied my claim. I need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX XXXX XXXX  name XXXX XXXX  The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this NEEED EVRTHING REMOED IMMEDIATELY WITIN 14 TO 30 DAYS THANK YOU

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 2023-03-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX XXXX XXXX name XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this NEEED EVRTHING REMOED IMMEDIATELY WITIN 14 TO 30 DAYS THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
He does identify himself. However, he uses misleading language by saying the person is XXXX  and needs to be contacted immediately. Leaving a message to my family members is a harassing call of a scare.

On my phone, he is using the language of, I brought something and I need to contact them immediately for verification.

Again this is misleading language and it is against the law.

I have the voicemails for both

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank refuses to look up my credit card information that had THANK YOU POINTS associated with it. 
I was rudely put on indefinite HOLD by agent who insisted the only way to move forward was with the old card number - even though I had verified a different current card number. 
She refused to connect me to a supervisor. 
Instead of hanging up, she placed me on hold, stayed silent, and never came back onto the line after 20 minutes of hold time.

I did not disconnect the call.

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 2023-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TFC Credit Corporation of California
State: OH

Complaint narrative:
I took this loan just before starting XXXX XXXX  at XXXX XXXX XXXX which began on the XXXX of XXXX. By XX/XX/XXXX I realized this was not for me and dropped out. I knew I would owe some money so I contacted the school to find out how much. They contacted me back and let me know I owed XXXX. I contacted the lender to work something out and we did. I received a payoff letter for the amount of XXXX on XX/XX/2023 that needed to be paid by XX/XX/XXXX. The next day ( XX/XX/XXXX ) a new account was opened. I was alerted through an email. I immediately called TFC ( the lender ) and was told that XXXX renegotiated the loan for more money XXXX. Is this ethical or even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Someone claiming to be me my identity was fraudulently used to open a Macy Store credit card, this was not me! XX/XX/2022 someone hacked into my banking account @ XXXX institution and my credit cards on file with XXXX XXXX XXXX Fraud Dept. Contacted me they stopped payment for airline tickets and cash withdrawn from a casino XXXX XXXX in XXXX XXXX, NV. I reopened a new banking account and transfered my funds to new account! 3 credit card closures on both my XXXX XXXX XXXX XXXX XXXX  credit card! I never open up Store Credit Cards ever!

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 2023-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/2022 I applied for a loan modification for my mortgage at Fifth Third Bank. I never heard anything back from them on it and later in XXXX I had a buyer who wanted to buy the home. I tried to get a payoff for the sale and never go it. The buyers realty attorney tried also for 2 months to get it from them. Finally after 3 months they gave us a payoff. By then the buyer backed out and in the process had started renovations on the house unknown to me. The house does not have a bathroom now due to buyer demoing it. I asked for a short sale and the bank agreed but will not entertain an existing offer of $ XXXX fothe sale. I paid on the house for 15 years and somehow owe $ XXXX more than I borrowed to buy the house. I borrowed $ XXXX, paid approximately $ XXXX in loan payments over 15 years and they say I owe $ XXXX now. Now they are for closing on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1984 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXXXXXX {$12000.00} XXXX  XXXX XXXX {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Information showing on my credit report I did not authorize. I am requesting that company provide verification that I in fact applied. I would like item removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Information showing on my credit report I did not authorize. I am requesting that company provide verification that I in fact applied. I would like item removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: IA

Complaint narrative:
I had my whole identity stolen by a woman that stays in my XXXX XXXX. she stole my phone, my laptop and intercepted my mail and opened credit cards in my name. She transferred out my paycheck from my bank account and my savings using XXXX. She also spent my entire amended tax return that I transferred to my netspend all access pre-paid card. She was arrested and the police found on her person at the time of arrest, my netspend card, bank card, phone and laptop., all other financial institutions have cooperated with returning my funds except netspend... they refuse, I appealed the decision and they just keep closing the case with no credit given. I don't believe they even looked at the documents I sent them ( identity theft report, police report, updated police report showing an arrest was made, etc.. ) they say that because the pin wasn't change and because the account was checked with a trusted device ( my phone she stole that the police have since returned to me ) that these charges were not unauthorized. They said maybe I can get my money back from her now that she is arrested. The detectgive said that the chances of me getting a dime from her are slim to none, she is a professional identity thief and was actually transferred to other states and counties to face charges there. she won't see daylight for awhile so how is she gon na pay restitution and it could be years if she is sentenced to pay restitution before she is even sentenced let alone free to work and pay back all she stole. I also offered proof that i was hospitalized at the time of these transactions and i absolutely did not give anybody my permission to use my card.

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 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Spoke to XXXX XXXX XXXX about a medical debt from XX/XX/XXXX. The balance is {$5000.00}. This debt was bought by Wakefield and Associates. Every month, I am being charged interest and fees on this medical debt as if this is a credit card, etc. Also, the debt was placed on my credit report XX/XX/XXXX. Why haven't I been contacted by this company and why am I being charged interest on a medical debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Called the company they say they are collecting for XXXX spoke with XXXX and he told me that they do not lease for the apartment complex anymore and haven't for well over a year however, this debt collector is trying to collect a debt for XXXX that is not valid. They informed me that I do not have a debt with them and they do not even have an account for me and my spouse anymore. I have filed a complaint with identitytheft.gov, now cfpb, ftc and a police report on this company. They know all this information that I do not have an account and never owed this amount nobody can verify as they stated that XXXX could, but after talking to XXXX myself that is not true. They do not have an account for us. They will not reply to my emails or answer my phone calls or respond to communication via mail. They ignore me and will not remove the debt after it has been reported as fraud because they sent me a document with my spouse and my signature which is not a valid document and it has information crossed out like the manager changed some information and that automatically invalidates the form. We did not live at this place when they are trying to bill us for. We moved out a month before what they are trying to bill us for. This company is fraudulent and does fraudulent activity and needs to be sued and a class action lawsuit as there are so many people they have done fraudulent activity to as well. They will not respond to you in any form phone calls, emails or letters via mail if you do not agree with the debt so how do you dispute anything if they will not reply anyways. XXXX even told me that they never sent me any document within 14 days of us moving out because we did not have an amount due and no account left with them after we moved so this debt collector is trying to collect something from whoever took over the apartment leasing which is not who I leased through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Public Service Loan Forgiveness -- Refund Owed for Overpayment beyond the 120 qualifying payments My loans were forgiven on XX/XX/XXXX. The account showed XXXX qualifying payments. I paid from XX/XX/XXXX ( while employed for qualifying employer for over 20 years ) until XX/XX/XXXX. There were XXXX excess payments. XXXX of which were actual payments made beyond my forgiveness date of XX/XX/XXXX. I have all the payment information for Mohela showing all amounts paid each month from XXXX until XXXX.I should received a refund for more that {$6000.00}. My letter from Mohela shows full forgiveness for all loans ( XXXX XXXX ) but no credit for the overpayment.This was a mistake. I called Mohela several times and spoke to someone and they said that they could not help me. They referred me to Department of Education. I waited on hold for over 2 hours. It finally disconnected. I have tried the Ombudsman and not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
I have 2 accounts on my credit file from this company.I have never been in a contract with this company. I have never applied for credit with this company. It is reporting this account as opened and derogatory. This is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: DC

Complaint narrative:
On or before XX/XX/XXXX, I sent MoneyLion a debt validation letter for account XXXX in which they accused me of owing an alleged debt. With my original letter, I had also added an affidavit concerning violations of Fair Debt Collection Practices Act MoneyLion had participated in while attempting to try to collect such debt. Note, these documents were sent via certified mail with signed mailing return receipts to ensure MoneyLion received them. MoneyLion ignored my request, neither addressing the validation process or compensating me for their willful non compliance to the law. Their only response has been to request from me the information that I had asked them to validate. 

Under 15 U.S. Code 1692a titled " Definitions '' a debt collector is defined as any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts .... owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. 

By literal definition, MoneyLion falls under the term and as such are liable in concerns to the laws surrounding debt collection practices. MoneyLion has refused to not only validate the debt, they have reported the debt as paid and charged off to all of the credit agencies, ruining my reputation and credit worthiness. My last letter was delivered to them on XX/XX/XXXX at XXXX XXXX and I have not received a response from them since. 

Per their own correspondence, MoneyLion also accelerated the unpaid principal balance of this alleged loan and sold various securities in said investment account held at XXXX XXXX, XXXX to cash and transfer the cash balance to them, privately, sometime after XX/XX/XXXX in order to satisfy the debt you owe due to your overdue loan payments. They used this moeny to pay off the loan, charge off the debt and still report it on my credit as " paid, charged off '' despite not validating the debt or paying for their violations of the Fair Debt Collection Practices Act.

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 2023-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I purchased this vehicle from XXXX online I had a 7-day test trial the vehicle had over XXXX miles. After driving the vehicle for 3-4 days, I advised the company that the car was not shifting gears correctly. On the sixth day of having the vehicle, I advised the company that car would not start s and I was left stranded they sent me to a local service station where I was given a new battery and I advised the mechanics to check for possible transmission issues I was told that the vehicle was fine. Within 90 days, outside of my XXXX-mile warranty, the car transmission gears continue to shift and I continued to have issues with the vehicle. The car transmission went out and I was left with no vehicle it sat in a service shop until XX/XX/2022. The car was repossessed because I stopped making payments on the vehicle because I advised the company and the XXXX dealership the the car was having transmission issues from the very beginning. I recently viewed my credit report and noticed the company wrote off the car for XXXX before repossession of the vehicle. I knew from the very beginning of the loan contract that the transmission had issues I kept taking it to their service center that passed the vehicle with flying colors. I am a XXXX XXXX  and the loss of the vehicle cost me income. I believe that XXXX sold me a defective vehicle knowily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: VA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation