vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: NY

Complaint narrative:
During the week of XX/XX/2021 I received in the mail a debit card from MoneyLion bank, a subsidiary of XXXX. The card was a fully useable chipped debit card with my full name and an account number on it. When I called the only number available for the bank they took my email, name, and date of birth ( I refused to give them my social ) and then told me they would be submitting this to their fraud department. The rep on the phone said my account would be closed but that she couldn't give me any more information. I requested that she let me know if anyone else name, email, or telephone number were on the account to see if there was identity theft happening and she refused to give me any information. She also refused to let me know if there was any money in the account or any other accounts/ loans linked or associated with it. I then asked her if I could have the telephone number or email for the fraud department to follow up and she refused claiming that they did not have access to that information. She also refused to put me in contact with a supervisor. I am unsure whether MoneyLion is a real bank or a scam. On the paperwork I received it says they are FDIC. I do not know if they sent me this card as a fishing tactic or marketing scheme. I do know that receiving this card and the response of their customer service has left me feeling incredibly uneasy. I also filed a police report as well as froze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I had a mortgage loan with Flagstar bank and had a Data Bridged : Flagstar Bank Statement on Accellion Vulnerability Accellion, a vendor that Flagstar uses for its file sharing platform, informed Flagstar on XX/XX/2021, that the platform had a vulnerability that was exploited by an unauthorized party. After XXXX informed us of the incident, Flagstar permanently discontinued use of this file sharing platform. Unfortunately, we have learned that the unauthorized party was able to access some of Flagstars information on the XXXX platform and that we are one of numerous XXXX clients who were impacted. 

Upon discovery, we acted immediately to contain the threat and engaged a team of third-party forensic experts to investigate and determine the full scope of this incident. After a thorough, diligent review of the data, we are now in the process of notifying impacted customers directly via U.S. Mail. 

Flagstar has been and remains fully operational, and other parts of our IT infrastructure outside of the XXXX platform were not impacted. Importantly, the XXXX platform was segmented from the rest of our network, and our core banking and mortgage systems were not affected.

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 2021-03-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
Company states that I owe XXXX in debt. Asked for a debt verification letter, was then referred to a collection agency ( AD ASTRA Recovery ). Asked collection agency for verification of debt, where they advised that they were unable to send one out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts as someone opened up these accounts with my social security number and another name. These accounts do not belong to me, nor do I have a contract with anyone of them. Please remove these accounts from my credit profile in it's entirety.

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 2021-03-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2021-03-22 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am  writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NJ

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT I DID NOT OPEN ANY XXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NV

Complaint narrative:
These are not my accounts as someone opened up these accounts with my social security number and another name. These accounts do not belong to me, nor do I have a contract with anyone of them. Please remove these accounts from my credit profile in it's entirety.

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 2021-03-22 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: NV

Complaint narrative:
These are not my accounts as someone opened up these accounts with my social security number and another name. These accounts do not belong to me, nor do I have a contract with anyone of them. Please remove these accounts from my credit profile in it's entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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:
Good day, i recently check my credit report because i am trying to get a house for my family and i saw a few accounts on my profile that i have no idea about XXXX  XXXX XXXX and XXXX. There are a good amount of credit inquires on my credit without my knowledge, It was done by fraud because i did not authorized them. I reach out to the credit bureaus regarding these accounts and they explain to me that i need an FTC report. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself. I am asking that these accounts be delete from my credit report 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 explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Received a letter in the mail and a phone call saying I owed XXXX. Company name is Resurgent Capital Services. Phone call was last week. Letter was mailed out XXXX to me. Doesn't have a full account number on the letter. Says the original creditor was XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, VA XXXX. Date XXXX. Charge-off date XXXX. Amount XXXX. Acquired on or about XXXX. I have never had a credit card or bank account with them. This also doesn't show up on my credit report. So I think it a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC
State: WA

Complaint narrative:
I got a loan from BHG and the payments was going to be on the XXXX of every month the due date. A company by the name of XXXX XXXX XX/XX/XXXX XXXX not the one as we know it XXXX but an inside company of BHGs was aloud to collect the payments of {$1300.00} on every due date. This company did not collect on XX/XX/XXXX as they where suppose to do so. At some point the inside company XXXX XXXX XX/XX/XXXXlet BHG know they could not collect the pymnt from my checking account so BHG went into my checking account and collected it for them as they did not had any permission to go into my account to collect as it was assigned to this inside company XXXX XXXX XX/XX/XXXX. BHG went and collected on XX/XX/2021 for {$1300.00} but at the same time XXXX XX/XX/XXXX never called me to let me know they couldnt collect the money and had BHG do it for them but then XXXX XXXX XXXX never let BHG who did not have permission to get into my bank account and collect tell them that they managed to collect the {$1300.00} on XX/XX/2021 so they charged me twice within about 24 hours of each other but then BHG needed proof that there was a double dip and after sending proof they kept the money for three days leaving me absolutely devastated in my bank until XX/XX/XXXX so I couldnt pay bills as I needed to. Then they said again the pmnts would be collected by XXXX XXXXXX/XX/XXXXon the first of every month but the first came and gone with no collections. On XX/XX/XXXX BHG who again had no permission to enter my checking account pulled the money out for {$1300.00} and then on XXXX XXXX XXXX XXXX XXXX also pulled the money for {$1300.00} for a second month in a row double dipping into my account. And again the original collector never called me and let me know that they couldnt collect so again they left me in a worst way financially wrecked. Again it took 3 days to return my money to me and I blocked first national bank per my attorney so they could not get back into my checking account. Although BHG refunded my {$25.00} block pmnt money and sent my {$150.00} gift card for the problems which was nice the problems have not stopped. the money was due on the first of XXXX with BHG only aloud to collect money for the pmnt it is now XX/XX/2021 and they have not pulled any money. I have also in XXXX asked for all the application paperwork to my loan and asked for all the signed paperwork with the interest rates payment dates and pay off date and how I received the money from them when I called them. They told me that they have no information on my loan and can not provide any paperwork or history of my loan as they have non. I sent them an Email on Thursday last week and asked again for all information and they have not responded to me. I also can not provide a loan number as they have never given me any information on my loan and have refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
I have tried several times over the past few years to resolve this matter with NCB and was told it would be dropped from my credit file. I have tried for several months to reach this company by all major credit bureaus and have filed disputes, by phone, letter, and email. but the company will not respond to my request to have this removed from my credit file although I do not owe a debt to the company and the credit file reflects a XXXX negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I opened a XXXX XXXX XXXX plan in XX/XX/2020 for XXXX children on USAA without knowing that they were in the process to switch to XXXXXX/XX/XXXX In XXXX I called USAA service department to increase my contribution from {$50.00} to {$120.00} on both accounts. The person I spoke to, told me that she could not doing, I have to do it on the XXXXXX/XX/XXXX website. In the meantime I need to put a stop payment on the current amount and go do it on the XXXX XX/XX/XXXXsite. instead of putting a stop payment she put a block which did not allow them to further withdraw money from my account. 
In XXXX I went to victory capital and set up a recurring payment on their website. Not knowing about the block XXXX XXXX charged my account {$50.00} in fees because of USAA rejected it. I called XX/XX/XXXXXX/XX/XXXX four more times in two months to help me set up the recurring transaction. Each of those times USAA blocked them and charged me {$200.00} for a total of $XX/XX/XXXX.When I finally realized about the all the fees, I spoke to a supervisor at XX/XX/XXXX. He told me that was USAA mistakes, they will not refund me the fees. I called USAA, they agreed that was their mistakes and they can only refund me {$100.00}. I told them I will not accept it because that was their mistakes. They pretty much told me. " Take it or leave it ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: WA

Complaint narrative:
A balance is reporting on my XXXX by XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. I have tried to resolve this issue directly with XXXX by XXXX and they have failed to correct 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 explanation
Consumer complaint received 2021-03-22 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: WA

Complaint narrative:
A balance is reporting on my XXXX by XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. I have tried to resolve this issue directly with XXXX by XXXX and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
I purchased a vehicle from the used car dealership, XX/XX/XXXX ( XXXX, CA XXXX ) in about XXXX of 2020. I purchased the car for {$12000.00} from the dealership and put down {$2000.00} cash for deposit. I then financed the vehicle through California Auto Finance. During this time the covid crisis had gotten worse and financially I was looking for help with the finance company and asked to defer a payment. They no longer allowed defered payments! I was late on a few payments but then settled up after all was said and done. I logged onto their website and noticed my original loan was for {$12000.00}. However, in a months time my balance had jumped from XXXX to {$16000.00}. They claimed it was from late fee 's ( XXXX ) and those late fee 's accumlate interest. Apparently to the upwards of XXXX XXXX XX/XX/XXXX? Something is majorly wrong and none of them can even explain this math logically to me. I noticed onXX/XX/XXXX website and XX/XX/XXXX that there are tons of reviews of this company doing fradulent work. I have tried to resolve this issue with many of their employees as well as I have tried to reach out to their CEO on XXXX to try and resolve this. SOMETHING IS MAJORLY WRONG HERE! I'm literally being strong armed by this company!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
1. My first request was On XX/XX/XXXX ( I requested from Citi/Citibank N.A./Citigroup Inc./Citibank/Citicorp Credit Services/Citi Mastercard/Etc. ), XX/XX/XXXX and on XX/XX/XXXX I requested from XXXX XXXX XXXX XXXX XXXX and Citi/Citibank N.A./Citigroup Inc./Citibank/Citicorp Credit Services/Citi Mastercard/Etc. to provide me with a NOTARIZED AFFIDAVIT VERIFICATION & VALIDATION of Debt form ; to date I NEVER received it. XXXX XXXX XXXX XXXX XXXX XXXX keep sending me are statements with NO Charges from a credit card. That's NOT validation of debt! That is a violation. 
2. NEVER gave XXXX XXXX XXXX XXXX consent to contact me in any way ; they keep sending messengers to the address and those people are literally THROWING envelopes at my window. That is a violation. 
3. XXXX XXXX XXXX XXXX have ruined my reputation. That is a violation. 
4. XXXX XXXX XXXX XXXX are using false & misleading representations. That is a violation. 
5. XXXX XXXX XXXX XXXX are attorneys ; a debt collector can not be an attorney nor can an attorney be a debt collector. That is a violation. 
6. As a CONSUMER I have a right to request validation of a debt pursuant to 15 USC 1692g. I requested VALIDATION ; competent evidence of a legal obligation of the debt and/or a legal obligation to pay you which has NOT been received for over one year and you ( XXXX XXXX XXXX XXXX XXXX are still ruining my reputation and harassing me. 
7. One of them is calling all day and sending negative threats, court date papers, and statements in the mail. Thats NOT what was requested ; I requested VERIFICATION. BY THEM DOING OTHERWISE .... That is a violation.

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 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently filed a dispute with the credit bureaus regarding inaccurate information reporting on my credit report. I disputed a public record that contain inaccurate information. I received letters that the information was verified and to contact XXXX XXXX XXXX. 
after a thorough investigation, the public record has been removed and deleted from my XXXX profile. XXXX initiated a dispute on my behalf and have not gotten a response back from the credit bureaus. 


chapter XXXX bankruptcy- 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 2021-03-22 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: TN

Complaint narrative:
I recently filed a dispute with the credit bureaus regarding inaccurate information reporting on my credit report. I disputed a public record that contain inaccurate information. I received letters that the information was verified and to contact XXXX XXXX XXXX. 
after a thorough investigation, the public record has been removed and deleted from my XXXX profile. XXXX initiated a dispute on my behalf and have not gotten a response back from the credit bureaus. 


chapter XXXX bankruptcy- 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 2021-03-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed some accounts on my credit report which i have no knowledge of. the accounts were removed by XX/XX/XXXXbut XX/XX/XXXX and Experian still holds them. XX/XX/XXXX need to be removed as the accounts can not be verified.

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 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It has come to my attention that CAPITAL ONE has fraudulently opened a credit card accessing my credit without my consent.

Company response to consumer: Closed with explanation