vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2022 I went on XXXX  platform and XXXX of theyre merchants called XXXX was advertising a pair of XXXX XXXX XXXX XXXX said came no original box because they were from a outlet store and had red slash marks on inside boots tags for same reason well I had no idea that was a lie until I received the counterfeit XXXX  I took them to XXXX  outlet in person who confirmed they never sell theyre boots no original box or with red slashes on inside tags they also compared the boots I received to same exact ones they sell and showed me the ones I received have no serial numbers on inside tags and said all original XXXX  will have serial numbers on inside tags I tried returning these to merchant they said within XXXX days but I am XXXX XXXX I needed time to go to outlet store to confirm they were counterfeit I chatted with merchant explained I had confirmed them to be counterfeit and wanted loan cancelled and my payment made refunded and wanted to return them not at my shipping cost at theyre shipping cost since theyre fake they refused so I contacted XXXX  multiple times about this they refuse to cancel this loan also and let me return them they expect me to pay XXXX for fake boots tteyre are multiple other complaints on XXXX  from other customers who purchased boots from this merchant about them selling counterfeit XXXX  to my knowledge this is against the law I can not afford to pay fur counterfeit XXXX  if I knew they were knock offs I would certainly never made purchase and now XXXX  out theyre loan on my credit report telling me I still have to pay for them they and theyre merchant broke the law selling fake merchandise this is completely unfair to me as a innocent buyer

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 2023-02-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have hard inquiries on my report that are unauthorized on my report and need to be deleted immediately. 

Delete the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a CitiBank XXXX XXXX account on XX/XX/XXXX that had a bonus of {$150.00} for depositing $ XXXX and {$450.00} for depositing $ XXXX. I have been a CitiBank customer since XXXX using their XXXX XXXX  credit card weekly. 

I initially funded my account through a XXXX XXXX savings account with {$10000.00}. On XX/XX/XXXX I transferred funds from my personal XXXX account in the amount of {$10000.00}. Those funds were from my XXXX. I sent over another $ XXXX from XXXX XXXX, and then moved {$6200.00} from Citi to my XXXX checking account. My current balance with CitiBank is {$25000.00}. 

On XX/XX/XXXX I was informed that my savings account was being closed for suspected fraud and my credit card was closed as well. The transaction in question was the {$10000.00} that came from XXXX. Citi claims they could not verify funds came from an account I owned. I can't help that the deposit did not say my name. I'm sure I'm not the first Citi customer to transfer funds from XXXX. In order to make the transfer XXXX made XXXX small deposits and a withdrawal from my account which I verified through my XXXX account. That should have sufficiently proved my ownership. 

I called Citi to get this cleared up and was told they were not interested in my providing proof of my ownership of that account and my accounts would be closed. 

I now have to wait XXXX XXXX to receive my {$25000.00} from my account. I have bills to pay in the meantime and can not wait that long. There are no Citi branches in my state to travel to to get the money sooner. It is absurd that they offer a bonus for a large deposit and then close my account when I try to follow their rules for the bonus.

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 2023-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I have an acct with Moneylion, a banking app. I wanted to delete my account. I got nothing but run around from customer service, asked for a supervisor but the lady refused. please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: KS

Complaint narrative:
I received an alert from XXXX XXXX that a Collections account was reported on my credit file XX/XX/XXXX and looking up the info from XXXX XXXX was Consumer Adjustment Company , Inc. I never received any notifications from any company or mailings of validation of debt to dispute. I have Informed Delivery from XXXX that informs if mailings is being delivered and the Company Consumer Adjustment Company violated the FDCPA ( 15 U.S. Code 1692k ). 

When a Debt Collector Can Report Information About a Debt to Credit Reporting Agencies Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency, the debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverable comes back. 

No attempts was made prior to reporting on the Credit file. Consumer Adjustment Company , Inc said that I owe XXXX XXXX XX/XX/XXXX. I contacted XXXX XXXX no as I have not received such info from the Business. I have done Business with XXXX XXXX in the past and the disputed with XXXX XXXX and no Validation of Debt was sent to me. Although they mention I had loans after XX/XX/XXXX. As 1 loan can be taken out at a time after it is paid off with the Company. 

I disputed with the Credit Bureaus and the XXXX major Companies, XXXX, XXXX, and XXXX refuse to delete as Consumer Adjustment Company said the info was correct. 

I emailed Consumer Adjustment Company , Inc on XX/XX/XXXX that I disputed the account. 
On XX/XX/XXXX a response was 2 forms that was sent and that the info can not be deleted from file. I informed that a data breach is in the system because this is not accurate. Consumer Adjustment Company , Inc fails to comply with the rules of the FDCPA and Consumer Financial Protection Act. My info is used into the 3 major credit bureaus and not handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I took out a loan thought Title Max was not aware I would end up in this situation. I originally took out the loan on my car to help with rent. After I seen the the interest rate it was impossible to pay back within XXXX  days  I asked if their was something I could do like and extension they said no and no partial payment so I had to pay with my rent money to keep my car and now facing eviction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I called destiny and made a payment for {$260.00} and closed my account. I received a confirmation email. I woke up this morning to see the payment was processed XXXX!! The representative said its my fault and I could possibly get the money back if they approved it. Ive had both but issues with this company. I have a son who has a XXXXXXXX XXXX XXXX XXXX XXXX and Im financially struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not 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 2023-02-24 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Credit Karma is reporting inaccurate information relating to amount of credit card " tradelines '' & hard inquiries from XXXX XXXX XXXX - There are 16 reported hard inquiries from XXXX & 22 hard inquiries from XXXX- They are also reporting inaccurately {$390.00} as an outstanding balance with XXXX XXXX which was for a cellphone that is in dispute with the credit card company as it is easily purchaseable for less than {$100.00} on XXXX by purchasing wholesale My rights are being trampled all over by this company & it's excuses as " it's not their problem ''

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My checking acct was closed due to fees that were wrongfully applied

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 2023-02-24 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
1. My Kabbage checking account has been locked, there is no way for me to get my remaining balance ( {$72000.00} ) back. 
2. I called their customer service ( ( XXXX ) XXXX ) multiple times, the only way to take my balance back is to use the debit card linked to the account, however they put a fraud alert on my debit card and I can't use it at all. 
XXXX. XXXX : There is no way to get my remaining balance ( {$72000.00} ) back after they locked my account, which is insane, and I've called them at least 5 times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I am requesting an update on previous CFPB complaint XXXX. In the company 's response, it was indicated I could call and speak with someone at a number that turned out to be only mailbox access. I emailed the address provided this morning requesting an actual number where a person that can help me can be reached. It is well beyond the 5-7 business days stated in the response to my complaint that it would take to refigure the escrow amount. Ample time has been provided since XXXX when my mortgage was unfortunately assigned to Mr. Cooper, for the company to accurately figure the amount that is rightfully due. We have been stolen from since that time with our inflated mortgage cost due to their escrow departments inability to accurately provide information. Another payment is of course due soon and I would like to pay the amount that is actually owed and not continue to loan a large company money they are not due. Ideally, I would like our mortgage reassigned due to the dishonesty and unfortunate business practices of Mr. Cooper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
TJX Rewards / Synchrony Bank Card On XX/XX/23 I shopped at XXXX in XXXX, NJ & the cashier talked me into opening a store rewards card ( my charge of {$97.00} was applied to account ). I was told that I could shop with temporary number anything my card was received & she stated that she put a piece of paper with the number into the cardboard billfold that housed the account docs. 

On XX/XX/23 I received the card & activated it. I then discovered that there was a balance of {$710.00} on the card. Additional charges had been made in PA for {$190.00}, {$100.00}, {$240.00} & {$63.00}. SYNCHRONY advised me on XX/XX/23 that they had opened a fraud claim when I reported these discrepancies to them. I also paid {$97.00}, which represented the only charge that I had made on the account. The account was closed & they stated that they were mailing a new card-which I told them not to do. Additionally on XX/XX/23 it was discovered that there was no paper in the billfold with the temporary account number written on it. I suggested that they investigate the casher at the store/receipt and review camera footage at that location and the other store locations where illegal charges were made without anyone requesting identification. 

A new card was received on XX/XX/23. I cut up the old account card & the new account card and returned both of them to Synchrony with a two page letter requesting the status of the fraud claim ( as well as providing them with a copy of the original receipt for my only purchase. ) I kept receiving emails to pay my bill so on XX/XX/23 I called Synchrony to request a status update as I do not want my credit adversely affected by this matter. XXXX at Synchrony advised me that there was NO RECORD OF A FRAUD CLAIM BEING OPENED on XX/XX/23. Another red flag with this bank! 

XXXX stated that as of today the fraud claim had been opened and that I was not responsible for charges, nor payment to Synchrony. She stated that I would receive a confirmation letter in 7-10 business days with the claim number and that the credit reporting companies would be advised so that it was not adversely affecting me. 

I also advised Synchrony that I remain unable to log into the online account for their bank. Despite multiple attempts to do so.

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 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
There are a lot of things that are going on here so I'm going to try and break them apart into different sections of the complaint based on how they are worked out and have been discovered. 
M & T bank obtained my loan starting in XXXX of XXXX it had previously been held by XXXX XXXX XXXX XXXX. We had no problems during the time the loan was held by XXXX XXXX XXXX in terms of payments or clear explanations of what was going on until they began the selling process to M & T Bank. Since M & T bank has taken over there have been repeated missteps, miscommunication, and problems many of which are surrounded by our escrow account and XXXX XXXX. 

Problem 1 ) Somehow XXXX XXXX XXXX XXXX  did not pay our XXXX  for 12 months. M & T Bank took the money from our Escrow account to make this current however, according to our Escrow Disclosure any late payments, fees, or interest associated with payments not made in a timely manner are the responsibility of the bank. I have highlighted and sent in this information to the bank and received back our mortgage is required to have XXXX  and that's what the Escrow Account is for and we're not entitled to the money back even though the bank did not make timely payments. They also overpaid the PMI by 2 months and have since corrected that problem admitting their mistake. 

Problem 2 ) Also in our Escrow Disclosure is the right for us to remove PMI from our mortgage earlier as long as our principal balance must be 75 % or less than the appraised value. We have requested on multiple occasions to have the house appraised again as we bought it at over appraised value and put in {$50000.00} worth of work which should put us over the clause. M & T Bank continues to say we're not eligible for this and " SONYMA does not accept or consider home evaluations such as appraisals when reviewing for mortgage insurance removal. Your PMI will automatically be removed at an XXXX of 80 % or below if a satisfactory pay history is maintained '' even though there is a clause in our mortgage that states differently and XXXX XXXX XXXX XXXX  was aware of and willing to do before they sold our mortgage. 

Problem 3 ) When making our XXXX  current and something to do with taxes I'm still not 100 % clear on M & T Bank cleared out the majority of our Escrow account making it short for XXXX. I understand this can happen and have no problem paying into the Escrow account to ensure our payment does not go up. M & T Bank is insisting we can not pay the full shortage and they must raise our payment. I don't even know how much we're actually short because of the situation where they over took XXXX  in problem 1 and they've also attached an additional {$730.00} tax estimate into our account that doesn't exist as we only have 3 tax payments XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX stating that I had two medical collections reported from Central Portfolio Cont for a bill from a XXXX XXXX XXXX. I have never been to XXXX XXXX XXXX. Last year my identity was stolen and I filed a police report. However, I never received any information regarding this debt. Eight years ago, I went to a XXXX XXXX XXXX XXXX  that is out of business due to fraud but my insurance company paid this bill. I have emailed Central Portfolio on XX/XX/XXXX asking for this debt to be validated but no answer. I will be sending a certified letter today, XX/XX/XXXX requesting for validation. I believe this violates the FCTA and HIPPA. THe agency is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has had hundreds of complaints with the XXXX. Also, I disputed this immediately with XXXX on XX/XX/XXXX and today, XX/XX/XXXX I received results that stated it was verified. How can a CRA verify information within 3 days. I believe consumers need for these agencies to be held responsible for erroneous information being allowed on our credit reports. Thank you for your time.

Company response to consumer: Closed with explanation