vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I used Moneylion in an emergency to pay rent in XX/XX/XXXX. I took out {$200.00} ... on XX/XX/XXXX I received a call from Moneylion at XXXX ET asking if I was the money making a bunch of crazy changes to my account and if I took {$390.00} out in a matter of XXXX minutes ... I didn't and didn't even know that was possible as I was only allowed {$300.00} per pay period and only at {$100.00} per day. There was no way anyone should have been able to do that ... they knew it was fraud, I was freaking out because it was. My identity and bank information was taken and I had to change everything connected to plaid. Well turns out a year and a half later - I'm being harassed to pay this back... something that was so clearly fraud, and I never received as it never went to my bank and they know this. They know the IP was different, and it was new bank I did not approve ... .they admitted to all of this during the original call. But now I'm suppose to pay {$700.00}? No. I've filed an FTC complaint. I've filed a XXXX I know that there is an ongoing FTC investigation against Money lion due to similar situations and other predatory lending practices. I need this escalated and I need them to clear this fraudulent debt, and close my account and scrub all my information from their database. This was clearly fraud, this was clearly something on their end and it has ruined my life already. I am not paying what I do not owe them. I will fight them. I've spoken to attorneys- they've sent them letter they returned. This is predatory and scammy. Something need to be done and someone needs to help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My spouse used our Chase bank Credit Card to make an online purchase for an XXXX course from the website https : XXXX Unfortunately, at the time of purchase, the website did not clearly state the course 's start date, scheduled for XX/XX/2024, nor did it adequately outline the terms of service during the sign-up process. The website has since been updated to include this information presumably due to this fiasco. 

Upon contacting the company, we were informed that full access to the course would not be granted until XXXX. Initially, they only offered partial access. Given that no goods were exchanged, and we hadn't accepted any services for delayed delivery, we requested the company to cancel our course reservation and refund the amount. 

However, the company made the online cancellation process challenging, insisting we review the entire course to justify our refund request. Consequently, we asked Chase bank to dispute the credit charge under the " merchandise not received '' clause of the Fair Credit Billing Act. The XXXX company 's manager " XXXX '' threatened to report us major credit monitoring agencies. Unfortunately, Chase bank sided with the merchant, refusing to refund our credit card fee, despite us not having access to the course to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: VA

Complaint narrative:
Last year XX/XX/year>, i was a victim of identity theft and placed a credit alert fraud to all credit bureaus. Recently, they ran my credit report for my apartment and noticed an unknown number. I just want to report the phone number.

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 2024-04-23 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 Code 1681a- Definitions ; rules of construction - Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experience between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MIDFIRST BANK
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit for any purpose.

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 2024-04-23 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: FL

Complaint narrative:
These are hard inquiries that I do not recognize. 
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 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 2024-04-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These are hard inquiries that I do not recognize. 
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 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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA decided to terminate banking with me on XX/XX/2024. They made my accounts deposit only and froze activity. Their letter stated closure will be completed in 60 days from XX/XX/2024. Their Bank Advocacy clearly stated in an Executive letter that it would be closed in 60 days and remaining funds sent to me by check. That 60 day mark was XX/XX/2024 and my account is still open with my funds in it. 

My family has suffered financially due to this, having to take out loans and miss payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Timely payments on this account have been my steadfast commitment, never allowing them to lapse. I'm confused by the presence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, rectification is mandated.

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 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sunlight Financial LLC
State: FL

Complaint narrative:
I have a contact with XXXX. Sunlight claims that I signed a contact with them.

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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX purchased a credit card account of mine that had been charged off. They filed a suit in XXXX court against me for the full amount of the charged off debt. They've presented a bill of sale showing they purchased several accounts, but they didn't show the actual amount paid for my account, which is likely about {$0.00} on the dollar, yet they want to collect over {$1700.00} from me. They have repeatedly called me after they filed suit.

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 2024-04-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Reviewed most recent credit report from Experian and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
A XXXX XXXX I have XXXX  me a bad check

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 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Integrity Financial Corp. DBA US Loan Servicing
State: NV

Complaint narrative:
My name is XXXX XXXX, my phone is XXXX and my email is XXXX. The address of the home I sold to prevent foreclosure is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The mortgage servicer was U.S. Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXTheir phone is XXXX and their fax is XXXX. 
My complaint against them is regarding their negligence in calculating the final amount from the sale of my home when I agreed to sell it to prevent foreclosure. I have attached my full complaint, how much I believe I am still owed by them, and how I discovered the discrepancies, as well as how I came to the amount I am requesting. I have also scanned in and attached everything I was able to receive from them throughout the process. I believe that I was charged fees that should not have been charged and overcharged on some fees that I was led to believe would not be included due to the mediation agreement to sell my home. I even questioned some of the fees that were added last minute and feel that I was either ignored or completely rebuffed. I also feel that there was no attempt on anyone 's part to even attempt to review what I questioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: IN

Complaint narrative:
I have wrote letters to the companies and the bureaus asking them to remove all inaccurate information reporting on my credit reports.

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 2024-04-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have wrote letters to the companies and the bureaus asking them to remove all inaccurate information reporting on my credit reports.

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 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan Depot is applying my additional principle payments to interest instead of principle and posting the additional payments to future months instead of the current month which would reduce the principle and reduce the future months interest amount, this has a compounding affect which I am not benefiting from and they are in affect stealing! 

I have called them at least 5 times over 3 months ... each time they acknowledge the mistake and say they will fix it, it has not been fixed. I called them today, XX/XX/year> and again they said they would fix it, I do not believe them. 

This can not be legal, please interject and help me and others who are being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts 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 2024-04-23 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: EQUIFAX, INC.
State: MD

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.

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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is my second request to CFPB to help us with a loan that was submitted and in underwriting with Bank of America. Their response to our first complaint submission was that we were restricted in XXXX of XXXX  over one of us ( Married/Mortgage held together ). We were not given a reason then, but they closed our checking account. They did keep our Bank of America Mortgage and our Bank of America HELOC in place. It now has been 2 1/2 years later and we were solicited by a Bank of America loan person to lower our rate. We discussed the situation from XX/XX/year> and were told " this won't be a problem as you have existing loans with us today and we are just refinancing those existing loans ''. She also mentioned because of our excellent credit and Diamond status with Bank of America we are entitled to even a lower rate. 

We spent countless hours putting together the documentation needed for this loan and was told that everything looks good. We were also advised if we could deposit {$250000.00} in a XXXX XXXX account we would be entitled to a even lower rate. 

After not hearing back I called the Loan consultant and the underwriter and both said they have no idea what happened and Bank of America canceled our loan for no reason they could think of. 

We still have two loans with Banks

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 2024-04-23 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: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-23 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: MD

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.

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 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