vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: AL

Complaint narrative:
Account Number : XXXX XXXX  XXXX I have been a victim of identity theft and I am writing to dispute the account information in my file. This account was a result of the identity theft and is not mine. 

You must be aware that the furnisher of my credit information is an unreliable source and that the informational items sent to you from the furnisher was inaccurate prior to you issuing my consumer disclosure. 

Block the account XXXXXXXX XXXX XXXX from reporting to my consumer report because it is verified identity theft reported by the police. Included is the police report with the individual who stole my identity reported. 

Also included is my proof of ID ( Drivers license, social security card and utility bill )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC
State: NC

Complaint narrative:
I keep getting calls from a place called VALOR and I have received a letter from them about something from XXXX. I have received letters from XXXX different companies about a collection from XXXX which I dont have. Valor calls me multiple times a week and is reporting this on my credit report and I want this information removed from my credit report and the calls to stop. The information on the letters arent even correct and why are XXXX different companies sending me request for XXXX which I dont have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Notice of cease and Desist Demands on actions to take

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 2022-09-02 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: TX

Complaint narrative:
accordance with the fair credit reporting act XXXX  Account 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. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.

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 2022-09-02 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: TX

Complaint narrative:
accordance with the fair credit reporting act XXXX  Account 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. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: NY

Complaint narrative:
I have tried repeatedly to get my report updated and all XXXX bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through XXXX system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.

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 2022-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P.S.C., Inc
State: WA

Complaint narrative:
Received a letter with company name in my mail on XXXX, called the company to inform them of fdcpa violation of putting company name on correspondence can inform XXXX parties of presence of debt. I asked for supervisor, his name was XXXX, he said they put their name on all correspondence and that we can agree to disagree on this being a violation. Informed him I will be reporting him to the fdcpa for the violation, he said go right ahead and laughed. I also have screen shots

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 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
Hello. I requested a refund from my loan servicer EdFinancial Services for student loan payments made between XX/XX/XXXX and XX/XX/XXXX. The total is {$2800.00}. On XX/XX/XXXX I requested a refund for these payments. The issue is EdFinancial Services stated the refund would take XXXX business days. This timeline is extremely long and is an unreasonable time to wait for a refund on payments. I believe EdFinancial Services can easily refund this amount much quicker than XXXX business days. This is over XXXX months to wait for these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I followed the account on XXXX called " nollieflipskatecompany ''. They have over XXXX followers so I believed that they were legit. I entered a drawing to win the chance to purchase a pair of shoes through them. This is a common practice now on social media. I received a direct message from them stating that I won the chance to purchase a pair of shoes. I ended up purchasing XXXX pairs of shoes over XXXX for XXXX each, XXXX total. They stated they would send me an email confirmation and I never received XXXX. I reached out via XXXX and then they blocked me. So I called the number that I sent the XXXX payment to and he quickly said he would send me the email confirmation and hung up. I still never received XXXX. So I called him back today and he hung up on me and blocked me. Therefore I believe I have been scammed and will never receive the shoes that I believed I was purchasing. The man 's name is " XXXX '' and his number is XXXX. " nollieflipskatecompany '' also has a phone number listed as XXXX on XXXX and an address listed as XXXX XXXX XXXX, XXXX XXXX. I have attached screen shots of the messaging that occurred on XXXX. XXXX won't refund my money since I sent it via XXXX XXXX I filed a police report XXXX and they confirmed it was a scam. I attempted to contact the recipient and they blocked my messages and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
My bank accounts were levied XXXX XXXXXXXX by Persolve XXXX XXXX XXXX. 

I contacted the company and told them I was never sued and have no idea of the debt. They said they served me at an address I have not lived in for over 10 years and I was described as a XXXX XXXX XXXXXXXX woman in my XXXX I am XXXX XXXX XXXXXXXX. I told them they served someone else and they didnt care. 

They are suing me for an alleged credit card debt from XXXX, and they said the judgment was since XXXX. 

I have never received anything from this company, I have no collection record on my credit report, nor do I have any idea the debt they are collecting on. 

They have supplied me with no information on this, they said they would send me media in the mail, but my bank accounts have now been emptied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have asked Equifax to fix and correct the errors on my report. I have contacted the compaines that are reporting the Inquiries and they have told me to contact Equifax. Equifax has been so rude and not understanding. They told me to get a police report, I told them no. I'm asking again before I get the attorney involved, please removed all Inquiries from the following companies- XXXX XXXX XXXX XXXX  ( This is on my credit XXXX times ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Self Financial Inc.
State: FL

Complaint narrative:
Did not sign up for the service I am a victim of fraud and would like this account removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a past due credit balance. This account was settled in back in XX/XX/2022. XXXX failed to notate on my account that account would be brought to current. Due to the mistake a fraud made on behalf of agent, account has been incurring late fees and interest. I been receiving an obsessive amount of calls from agents trying to collect payMent. I was informed by supervisor that in order to fix this issue I would have to write in a dispute to come its bank so that they may pull records call and verify that account would be brought to current with payment made. Im still receiving these calls despite receiving a letter from Comenity bank stating issue is being investigated. I answer calls daily and explain pleasantly to agents that account is being investigated as its supposed to show current and XXXX balance. Today I received a call from agent who was harrasing me and refusing to identify herself. Agent consistently refused to identify herself or where she was call from or purpose of call ; and kept asking to speak to XXXX XXXX. It became very scary and very harassing very quickly. I informed agent I would be calling back and speaking to supervisor if she did not identify where she was calling from. Agent refused and continued tactics. Because of this whole situation I am suffering mentally due to dealing with the stress and harrassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP
State: CA

Complaint narrative:
My bank accounts were levied $ XXXX by XXXX XXXX XXXX XXXX. 

I contacted the company and told them I was never sued and have no idea of the debt. They said they served me at an address I have not lived in for over 10 years and I was described as a XXXX XXXX  XXXX woman in my XXXX. I am XXXX XXXX  XXXX. I told them they served someone else and they didnt care. 

They are suing me for an alleged credit card debt from XXXX, and they said the judgment was since XXXX. 

I have never received anything from this company, I have no collection record on my credit report, nor do I have any idea the debt they are collecting on. 

They have supplied me with no information on this, they said they would send me media in the mail, but my bank accounts have now been emptied.

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 2022-09-02 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: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under XXXX5 USC 1681.

Equifax is govern by 15 USC 1681. Ad they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I closed on a home w/ Regions Bank as my Lender. On XXXX XXXX, I was called in for a meeting with the Builder, Regions Bank & the Title Company that handled the closing. 

During the meeting Regions Bank admitted a financial worksheet had errors on it, but they did nothing wrong as a Bank. They also said they unilaterally decided for me to pay some of my costs ( close to XXXX ) to the Builder directly, post closing. This was the first time I EVER heard of something like this! No one in the meeting besides Regions Bank, had of heard of anything like this either. This is a huge issue for me financially for more reasons than one. 

I'm afraid I'm going to be stuck to continue to pay for my rental AND the new mortgage because the Builder is saying he doesn't have the funds to complete the home. 

I'm begging for someone to investigate this with Regions immediately, because this is a Financial and Emotional burden on me and my Family. 

Thank you in advanced, 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 2022-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Back in 2017 my wallet was stolen, Ive had MULTIPLE accounts opened in my name over the past 5 years. Ive been tying to resolve this for a while now. Everytime I dispute these accounts, they keep coming back as verified because all of my correct information was used from my wallet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MN

Complaint narrative:
On Friday, XX/XX/XXXX, I contacted Edfinancial after receiving news about student loan refunds for any payments made after XX/XX/XXXX, during the payment pause. I went ahead and asked them to refund the amount paid, but was taken aback at the processing time of at least 6 months, possibly 7-8 months. Several of my friends that have different student loan providers are seeing processing times of 3-4 WEEKS, give or take a few weeks, but nowhere near as long as a minimum of 6 MONTHS. I was a Pell Grant recipient and am therefore eligible for up to $ XXXX in forgiveness. During the payment pause, I made $ XXXX in payments. 

It seems as though EdFinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, and XXXX  are only quoting 3-4 weeks for turnaround, and those that have these providers are already seeing their loans reinstated on their account. What worries me is that the application to apply for student loan forgiveness opens in XXXX and EdFinancial won't be processing any of these requests in time to receive forgiveness. I'm expecting my refund to be received AND processed by XX/XX/XXXX at the earliest, possibly further out until XXXX or XX/XX/XXXX - well beyond the loan forgiveness application deadline. EdFinancial stated that our loan balances won't be reinstated UNTIL the refund is processed, which in my case, won't be until XXXX, XXXX, or even XX/XX/XXXX. Interest rates and payments will resume again in XX/XX/XXXX, and if my balance isn't reinstated by then, I'll be stuck paying interest on loans previously paid off for several months. 

EdFinancial told me over the phone that they can not send out confirmation emails or anything and the only way I can verify if my request has been processed is by calling back in a month or so. I've heard from some friends and family that they called to request a refund, and when they called back to check on the status, the refunds haven't even been added to the system! I realize with the large call volume that requests will take a while, but it's very concerning to me that the minimum wait time is 6 months, when some providers are reinstating balances and issuing refunds within 6 WEEKS. I've also learned that EdFinancial is still processing over 2,000 requests made since XX/XX/XXXX, and I fear that I will not be getting my loan reinstated/refund back in time for forgiveness due to the seemingly very slow processing times with EdFinancial. Getting that money back would be life changing for me and millions of other Americans. So seeing how other loan providers are able to process payments within just several days/weeks makes me very concerned that EdFinancial does not have our best interests at heart.

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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Complaint against Cash App XX/XX/17 - XXXX XXXX Purchase {$100.00} ( fraud ) This company charged for {$100.00} and when it went through they then tried for {$1000.00} and then {$200.00}. The charge for {$1000.00} or {$200.00} were declined based on my account balance. My card was not present and I have never worked with this company XXXX XXXX Purchase nor ever heard of them. Ive filed multiple claims with Cash App and they continue to feel me that based on their investigation the transaction is valid. Cash App has not treated me like a valuable customer ( all over {$100.00} which is ridiculous ). I feel extremely undervalued and disappointed because I used them so often. I have since completely closed my account and will never work with them again but I would like to make a formal complaint and if I can get a refund for this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Klarna AB
State: WI

Complaint narrative:
I subscribed to a service called Klarna. They issued me a XXXX card to use to make a purchase on XXXX. The purchase amount and date were {$240.00} on XX/XX/2022. The last 4 digits of the XXXX Card are XXXX. 

I received defective merchandise. XXXX and the seller would not refund my money. 

I called Klarna to initiate a XXXX  chargeback as can be done with any XXXX  labeled card. 

Klarna refused to do a chargeback. Here is what they said : Our apologies for delayed reply. My name is XXXX and Im a Resolutions Specialist here at Klarna. Were contacting you regarding your order XXXX with XXXX. 

As per the screenshot provided by you, it shows that the store has denied to issue you any refund of this order even they are not willing to accept the return of this order due to their policies. Being a payment processor we are unable to overrule the terms and conditions or policies of any merchant. Please be advised to contact the store if there is any option available for you with them. Therefore, we have already closed this dispute. You don't have any outstanding balance left to pay on this order. 

Klarna issued a XXXX  card and claims they can not overrule the terms and conditions or policies of any merchant. This is not true. Any bank or credit card company that issues a XXXX  card has the ability to charge back a purchase from any merchant. 

Klarna is issuing XXXX cards and not giving customers the ability to dispute charges. 

Please look into this matter so that Klarna can be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: MO

Complaint narrative:
Hunter Warfield calls back to back all day long. It's harassment at this point. I've deleted my log for the past week but I have some recent ones attached.

Company response to consumer: Closed with explanation