vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: MT

Complaint narrative:
I had an unauthorized charge on my account XX/XX/2022 for a XXXX XXXX XXXX for {$320.00}. I let my bank know immediately and they opened a dispute and said that no error was found. I appealed the dispute stating that it was obviously fraud because the phone number on my account was updated and then the charge was made to a virtual credit card number only available in the moneylion app. That appeal was denied. They don't have any contact info for this merchant just the name and amount of the transaction and are refusing to refund me that money which was my money to shop for XXXX for my XXXX children.

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 2022-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Before coming across fee my account was well over XXXX. then I started investing into my business '. 

since I don't have a lot of money and that if I spend any thing over what's in my account that my other account can make up the difference. 

the issue with the app if i had access to the app on a secure working phone. 

ideally I'd look at my account and see how much I had on balance and purchase. 

not having a working device verified by capital on or having amazing abilities required to sign in. 


you can't really manage your account, maybe you can but for personal reasons its not that easy. 

so I call capital one a few times and then i was like why not just walk in there, so I was waiting for a refund. 
for the account to be XXXX $ balance cause i only need XXXX $ to avoid the fees for a XXXX $ leger. 

so without the ability to access my account or be notified or to prevent or to protect my credits. 

so I feel that the company policy pretty much creates a risk, or some what of a trap. 
its no excuse if i had complete understanding and the device and app to reflect the services that they provide. 

the service in relation to balance is not updated to the processing expected of a business. 

for instance if I have XXXX refunds with in the past week. the balance isn't immediately reflected. process of delay. 

I was also expecting refunds on these accounts in which can not be collected because of the banks harsh penalties. 

I am a XXXX, XXXX, recently homeless, business person and i need my account like I need the keys to the front door of a house. 

I came to this company with a goal and my Dreams and all the money I have, I have not received any funds from the IRS nor do i have a job. but without my account I can't make vital choices for my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: MS

Complaint narrative:
15 U.S.C 1681 SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 SECTION 602 A states I have the right to privacy XXXX XXXX XXXX  XXXX 15 U.S.C 1661 states that NO reporting agency can report a payment as late on an opened ended account for any purpose or reason. 
XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1692 C COMMUNICATION with the consumer without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS ALSO DONT HAVE MATCHING INFO WITH THE OTHER BUREAUS AS WELL. SUCH AS -- DATE LAST ACTIVE -- DATE LAST REPORTED -- PAYMENT STATUS -- DATE OF LAST PAYMENT THESE ACCOUNTS MUST BE DELETED IMMEDIATELY!!! 
--

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 2022-12-21 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The furnisher/perspective user named PORTFOLIO RECOVERY ASSOCIATES is inaccurately reporting an inquiry on my XXXX XXXX Report and XXXX XXXX Report. I, the Consumer, did not authorize or give PORTFOLIO RECOVERY ASSOCIATES permission to use or obtain my consumer report. PORTFOLIO RECOVERY ASSOCIATES failed to certify the purposes for which the information is sought pursuant to Regulation V, FRCA section 604 ( f ), and 15 USC 1681b ( f ). The FCRA limits the conditions under which a consumer report may be released without a consumers consent and where the consumer has not initiated a credit transaction, which is, if the transaction consists of a firm offer of credit pursuant to 15 USC 1681b ( c ) ( 1 ) ( B ) ( i ). However, there was no offer of credit or insurance made to the consumer and there was no solicitations sent to the consumer in the form of pre-approved offers of credit. By using and obtaining my consumer report without my authorization and failing to meet permissible purpose pursuant to Regulation V of the Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 1 ) - ( 6 ) and ( 4 ) and ( 5 ) codified as 15 USC 1681b ( a ) ( 1 ) - ( 6 ) and ( 4 ) and ( 5 ) ; and failing to certify the purposes for which the information is sought pursuant to Regulation V of the FCRA section 604 ( f ) codified as 15 USC 1681b ( f ) makes you liable under 15 USC 1681n ( a ) ( 1 ) ( 2 ) and 15 USC 1681o. This ongoing invasion of privacy has caused me mental and emotional anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX weeks ago I closed a credit card account with Bank of America.The account number was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. XXXX weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. XXXX weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please request Bank of America to mail a check with the amount that they own me.

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 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
I would like to draw your attention to XX/XX/2022. I had sent my complaint letter to Binance, in which I clearly stated how this scam has affected me XXXX XXXX XXXX XXXX. 

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX removal which involved me making deposits for a total amount of XXXX XXXX from my XXXX XXXX  to Binance at the instructions of the scammers. 

In this case, it is perfectly obvious that Binance could have, and should have, utilised various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Stage Funding
State: NC

Complaint narrative:
I have tried over and over to get cascade financial to take my name off of the house that got awarded to my ex spouse XXXX XXXX XXXX during the divorce and they wont do it. I have not lived there for 3 years and Im trying to build my credit to build a new house with my current husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: MI

Complaint narrative:
I just pulled my credit report online. There were accounts on there that were not mine.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Went in for a service visit, was told it would be {$200.00} ish over the phone. When I was charged, they put it as {$600.00} something in their system ( dealership scammers ). I realized a day later and contacted Chase. They wanted proof in writing from a representative from the dealership acknowledging the mischarge. After 2 weeks of back and forth, their service manager sent me a letter, which I faxed to the Chase Fraud Team.

Now Chase is saying even WITH sufficient evidence, too much time has passed and I have to eat up the {$400.00} ish difference. I have proof of the letter if required, please contact me if necessary. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wellsfargo wrongfully foreclosed on my property XXXX month later after contracting a loan modification, this happened in XXXX of XXXX. They contested me in court for XXXX yrs, even ended having to file bankruptcy XXXX times in XXXX and XXXX.They never owned up to their wrongful foreclosure proceedings, this lead to emotional and financial distress for my family. Then in XXXX at the point of a sale date for the property, in which I would have lost everything, I had no choice but to accept their astronomical offer. Their predatory lending enforcement has brought great difficulty to my family

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT LVNV ACCT 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 FURNISHA ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: WV

Complaint narrative:
I received a statement state {$200.00} was due m needed to be paid to one advantage. This is not my debt n I want you to send me the name and address of the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 XXXX  at XXXX I was made a payment to my credit card for Bank of America ATM machine out side a Bank of America located at XXXX XXXX XXXX XXXX, XXXX CA XXXX, ATM ID is XXXX the card # is XXXX Amount is {$1200.00}, but when i taped the view bill tape the screen was frozen there, non of the button on the ATM was working anymore, after a few minutes the ATM just took my money, ATM didnt give me receipts and there werent payment transactions appear on my account balance, I called the credit card company right away until now they didnt have any answer for me I am kind of stressed out.

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 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
My homeowners insurance was due XX/XX/XXXX. On XX/XX/XXXX, I wrote to the mortgage company, XXXX, serviced by " Mr. Cooper, '' when they would pay. I received a note back stating that they would pay from escrow. Today, when double checking, I find that they did not pay and there was a note on my account that my insurance had expired, although they had not only my carrier ( XXXX  ) but my insurance policy number in their roster of escrow accounts. I paid the insurance premium myself with a credit card to The XXXX. I called XXXX, and wandered endlessly through their phone system. I was never able to speak with a person, and finally uploaded my policy documents through their website.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My TransUnion credit report shows the following : Credit Alert : New Inquiry Reported by : XXXX XXXX XXXX XXXX XXXX Reported on : XX/XX/2022. 

I've done no personal business that would require a credit inquiry reported on that date. When I made my first call to TransUnion, I provided the following PII via their automated phone system : 1. billing zip 2. social security number 3. date of birth 4. numeric street address I also had to answer, via the phone system, at least 3 screening questions. When the agent began my call, she referred to me as " XXXX. '' She explained that was the name the system generated after I provided four pieces of PII and answered three security questions. When I explained that I am not XXXX, she wanted me to provide my PII again. 
I am very concerned that someone named XXXX has stolen my PII and used it to apply for credit. Again, I made no credit applications that would have required a credit inquiry reported on XX/XX/2022 and the fact that TransUnion referred to me as XXXX after I provided this PII is scary.

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
Approximately on or around XX/XX/2022, I attempted to send money from my investor high yield checking through XXXX and XXXX suspended my XXXX enrollment and emailed me to call them which I thought was odd. I contacted customer service which confirmed that my XXXX enrollment was suspended for suspicious activity ( nothing was suspicious about my activity but whatever ), so I asked them to restore my access to XXXX and they surprised me by saying that this can't happen instantly and they need to reach out to a special XXXX team that customers have no access to and this team will fix the issue within 72 hours. So far terrible support operations but I thought " fine '', I will wait 3 days for the bank to fix their own mistake. 3 days go by and my access is still suspended. I called the bank again and was told the same thing, they will reach out to a special XXXX team which will take 3 days to fix it. I contacted the bank multiple times since then and here we are almost two weeks later and my XXXX is still suspended for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
I used my prepaid ( XXXX ) card to pay a third party ( XXXX XXXX ) via money transfer ( MoneyGram ). The transaction took place XX/XX/2022 for the total amount of {$84.00}. Expecting the money to be applied to the XXXX account appropriately, I waited for it to post to the account. 3 weeks to a month later ( on XXXX about XX/XX/2022 ), is when I was informed the XXXX account had been closed. At this point I was in wait for the refund and once XXXX released the funds back to MoneyGram, i should have been able to get my money back from them.

Moneygram was not being forthcoming with info on how to retrieve the money, so I them filed a dispute with XXXX. At this point I have tried to reopen the dispute thru XXXX. I repeatedly bounced back and forth between XXXX and Moneygram. I simply want back my funds. And truth be told, Moneygram should be the entity to process the refund, but several reps stated that because I filed a dispute, with the bank to my prepaid card, I would have to address them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EXPERIAN, XXXX AND 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 ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Ive been banking with Citizens bank since 2017  and it has been the worse experience ever. Ive been hit with several overdraft fees from this bank authorizing charges with no money in the account after I argued with this bank millions and millions of times. I was even told I have some type of over draft protection on my account yet I get charged with XXXX of dollars worth of overdraft fees. I spoken to a supervisor name XXXX who gave me a hard time just Authorizing my account just to look at the account after I offered to give her my ssn she refused to take the ssn the turned around and asked for it. On XX/XX/XXXX I also spoke with XXXX who was also incompetent and was a waste he would not tell me his boss name after I requested to speak with his boss. This bank is stealing from me and Im sure a lot of people who bank with them as well. Im currently closing this account because I dont trust my money in this account. I have transferred money to this account that dont post and when I question this bank they dont know. They are thiefs and liars and this is my first point in contact before seeking legal action on this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: LEXISNEXIS
State: AZ

Complaint narrative:
Lexis Nexix laced my credit report with false entries again. 
On my XXXX  report since XX/XX/2019, NOT MY LOSS XXXX XXXX XXXX XXXX XXXX XXXX, not my loss AND DOES NOT BELONG TO ME ON MY REPORT. Delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: MD

Complaint narrative:
I XXXX XXXX XXXX DISPUTED : 1. XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX ON XX/XX/2022 AND XXXX XXXX. EXPERIAN HAS STATED THEY VERIFIED THE INFORMATION. ON XX/XX/2022, I FILED A COMPLAINT WITH YOU THE ( CFPB ) REQUESTING THAT EXPERIAN PROVIDE ME THE Method Of Verification Using FCRA 611. 

THEY RESPONDED WITH NONE OF THE INFORMATION I REQUESTED. 



EXPERIAN HAS FAILED TO PROVIDE ME WITH A COMPLETE AND ACCURATE REPORT. 

THEY ARE ALSO IN VIOLATION OF SEVERAL OTHER LAWS LISTED BELOW : 15 U.S.C 1681 a.1.a 15 U.S.C 1681 ( a ) ( 4 ) MY RIGHTS TO PRIVACY 15 U.S.C 1681 ( b ) DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO I THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION.

15 U.S.C 1681b ( a ) ( 2 ) NEED WRITTEN PERMISSION 15 U.S.C 1681 ( n ) - Civil liability for willful noncompliance.

SECTION 609 OF THE FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]

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