vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: MA

Complaint narrative:
E TRADE has locked my funds for over 6 months! I have done everything they asked for. Sent in my ID ( front and back ) sent in a letter, sent in copy of my ssn card. I even sent in bank statements showing the withdrawals to E TRADE. This was still not enough they wanted to 3 way call my bank. I moved from XXXX  back home to XXXX  in XX/XX/2022. When I did this I transferred {$4200.00} to my E Trade checking account. I also closed my credit union I was using in XXXX. .So after the 3 way call all the bank could confirm was that my account had been closed. Every time I call E TRADE. They say they wont unlock until 3 way call was complete. It has been completed. Twice. Im outraged they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
I contacted XXXX XXXX on XXXX XXXX XXXX  to pay a previously negotiated settlement amount of {$100.00} to settle a {$530.00} charged off credit card debt. XXXX XXXX took my payment and provided a confirmation number then told me they would update the status of the account. Today XX/XX/ I was alerted that a collection was added to my credit report by a third party collection agency United Collection Bureau. When I contacted the collection agency I was informed that they owned the debt and provided a fax number to submit proof if the debt was settled with XXXX XXXX. When I spoke with XXXX XXXX I was told that although my settlement payment was taken the debt was sold to a third party and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022, I received a phone call at my work, from Toll Free Call XXXX. It was an automated message with the caller identifying themself as Wells Fargo Business Preferred asking about my personal business checking account. They were calling to determine if a transaction for {$20000.00} was valid from my Wells Fargo Business Preferred Account. I did not continue the call. 

I tried to contact Wells Fargo by phone ( used different numbers provided on wellsfargo.com ). I was unable to get past the enter account number phase. As far as I know, my business does not have a Wells Fargo Business Account. 

I am a victim of known-name identity theft. Several checking, savings, and other cash accounts have been opened and transacted without my knowledge. It is possible that my business information is being used without my knowledge. Unfortunately, I was not able to contact any one at Wells Fargo.

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 2022-12-13 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: OH

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 U.S.C 1681. XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXXXXXX 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 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 e 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 2022-12-13 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: Experian Information Solutions Inc.
State: OH

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 U.S.C 1681. XXXX XXXX XXXX XXXXXXXX ... 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 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 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 e 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
Consumer complaint received 2022-12-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX  offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-12-13 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XXXX I was not informed about information of my credit being provided to this company at all I was told I would have XXXX inquiry and I have multiple on the same day for the purchase of XXXX vehicleand I would like this removed I have addressed the Credit bureau and the company and it has not been resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I submitted a payment to my Synchrony credit card through XXXX. I have made multiple payments to this credit card, some more than the {$400.00} I just submitted, and have had no issue. For some reason, the {$400.00} payment I made to the card has a hold on it through the credit card company. I have never heard of a hold being placed on a PAYMENT towards a balance. I called the credit card company, and they said the hold would be removed 8 days after I submitted the payment. So all of the bills I tried to pay with this card can't go through until they remove the hold. Now I suffer late fees because this bank arbitrarily decides to hold payments. Why would a company deter you from submitting payments frequently and on time??

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 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: WY

Complaint narrative:
I paid off the loan on my XXXX XXXX XXXX on XXXX, XXXX XXXX. I was told the title would be sent in 7 days. XX/XX/XXXX I was told they lost my title and they needed to send me a new title and I needed to wait XXXX weeks before I was able to do anything else regardless on this vehicle. I called the morning of XX/XX/XXXX and was told no one ever submitted a request for a duplicate title and that I will need to wait once again. This is insanely irresponsible for a financial institution to be operating in this way, lying to their customers, and now that I no longer owe them anything they are effectively holding my title XXXX, preventing me from releasing it, selling the vehicle or even obtaining the title. On my call on XX/XX/XXXX I was told I need to wait a minimum of 30 days again on top of this to have them get a second duplicate title and get it mailed out. At this point I have lost all faith in Ally financial to do the right thing on their own and feel I need assistance to ensure they do the bare minimum required.

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 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2022. I noticed 2 charges that I didnt make. I called Chime to the dispute the charges. On XXXX XXXX  I was denied. I received an email stating since my card was in possession there was no fraud. I disputed again and was told todayXXXX that it was again denied. I was told to send supporting documents to show I was not in Texas and California where the charges were made. Im a XXXX XXXX on a fix income. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/2022 I used MoneyGram International to transfer {$1400.00} USD to my husband 's XXXX XXXX XXXX XXXX  account in XXXX. MoneyGram promised delivery no later than XX/XX/2022. The money was not delivered and still is not delivered on XX/XX/2022. 

MoneyGram refuses to provide any information as to where the money might be. The only thing they propose is to initiate an investigation on XX/XX/2022, a process that take up to 90 days. Even if I request a cancellation, the funds will not be refunded before the investigation concludes. 

Therefore, I could be out of this money for more than 100 days which is an unreasonably long time. Both the receiver and I have had numerous telephone conversations with MoneyGram since XX/XX/XXXX, receiving conflicting information from the agents. At the same time, the automated tracking message states " funds are available ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: GA

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. 

XXXX : # XXXXXXXX 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 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 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
My cash app card was locked by cash app supposedly because of two elements 1 ) said to be because of a new device ( cellphone ) noticed 2 ) because of a location area. I moved from XXXX Florida to XXXX  Florida.? I also followed the cash app support instructions and sent them all required documents, my State ID, paper work forms that show my residence with my case managers stamped and signature on the forms, also I verified my new device ( cellphone ) as required by cash app online website. Since the first week of XXXX my cash app card is still locked and after sending all my required documents to the cash app safesend website as they instructed and all marked submitted successfully, all i continue to receive is the same results as of XX/XX/XXXX that case escalations will notify me by my email address when information is available. Also I have many times spoken with cash app phone representatives and informed many of them about the situation including my recent social security payment to me that has been sent back to the sender. I have not received any results from the cash app service representatives other then the repeated reply that the cash app specialist are working hard on the case, since XX/XX/XXXX they repeatedly have been unable to provide me with any results and my cash app card remains locked since XX/XX/XXXX and recently my social security payment was sent back to the social security senders department. I have no income and my cash app card remains locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was not informed about information of my credit being provided to this company at all I was told I would have one inquiry and I have multiple on the same day for the purchase of one vehicleand I would like this removed I have addressed the Credit bureau and the company and it has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: GA

Complaint narrative:
Attached in my identity theft report and below are all fraudulent inquiries reporting on equifax Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: UT

Complaint narrative:
My loan was serviced by FedLoan Servicing XXXX XX/XX/2022 I requested a refund of my student loan payments made during the pandemic totaling {$10000.00}. 
I was told the request was successful and I would receive the funds in 6-12 weeks. 
On XX/XX/2022 I called to check on the refund because I hadn't received any information or money. 
I was told by FedLoan Servicing that the money was already transferred to me in XXXX. But I haven't actually received any money. No one will tell me where it was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING LLC is falsely reporting on my credit with a Balance of {$700.00} and Account number XXXX. LVNV FUNDING LLC is a debt collector. They committed identity theft on me. This account is falsely reporting and violating my rights and the fair credit reporting act. Pursuing to 15 U.S. Code 1681d- Disclosure of Investigative Consumer Violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in writing and mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Pursuing to 15 U.S.C 1681 section 602 A. States I have the right to privacy. I request to be provided proof of this alleged debt, specifically the original contract and instrument bearing my signature with LVNV FUNDING LLC. Failure to show results on this alleged debt should be deleted from my credit report as soon as possible. Under federal law, you have 30 days for a reinvestigation. I will also be seeking monetary relief per violation for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Violations of 15 U.S.C 1692g. I further remind you that, as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. I respectfully request that your office provides me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and XXXX ), this action might constitute fraud under both federal and state laws.

Company response to consumer: Closed with non-monetary relief