vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CUSTOMERS BANCORP, INC
State: NE

Complaint narrative:
I bought a desk for my mom on XXXX XX/XX/XXXX for XXXX, then she said that it still had not shipped she called them, the desk was not available, so I then ordered another desk for XXXX, the next day we found out that next was not available either .XXXX  refused to cancel both orders they said that they didn't have the desk, they don't know when they would get them in and since their system will not allow them to cancel the order I will have to wait until the desk arrive then refuse the order wait until they get it back and then up to 3 weeks after that .So I told them no i was not going to wait all that time for my money. I file a dispute, I also sent the bank the letter from XXXX stating they did not have the desks available. XXXX ended up sending the desk out I refused the first one and decide to keep the second one. Well the one for XXXX.So I canceled the dispute for that desk. XXXX sent me a refund XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX and sent XXXX on XX/XX/XXXX to a different checking account. those funds made it there but the funds to bank mobile say that they have not gotten the funds. When I called they said that they would expedite my case, then I got an email and they said that they would not. They are keeping my funds. XXXX is also going to refund me the XXXX, because one of the pieces to the desk that I wanted to keep was missing and they said they don't have the piece or another one to send me. I just want my money and then I want to close 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 explanation
Consumer complaint received 2020-10-10 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: NY

Complaint narrative:
ATTACHED IS A LETTER EXPLAINING WHY I WAS LATE FOR THE TWO MONTHS REPORTED. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT ON MY BEHALF FOR I HAVE BEEN AN EXCEPTIONAL CUSTOMER.

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 2020-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ATTACHED IS A LETTER EXPLAINING WHY I WAS LATE FOR THE TWO MONTHS REPORTED. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT ON MY BEHALF FOR I HAVE BEEN AN EXCEPTIONAL CUSTOMER.

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 2020-10-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
ATTACHED IS A LETTER EXPLAINING WHY I WAS LATE FOR THE TWO MONTHS REPORTED. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT ON MY BEHALF FOR I HAVE BEEN AN EXCEPTIONAL CUSTOMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
I sent an affidavit to Afni outlining their multiple violations of 15 USC 1692, with an invoice for compensation of damages. Their previous response to the CFPB complaint did not address the request for monetary relief. I have attached the notarized affidavit, the pieces of evidence, and the invoice to this complaint. These documents were delivered XX/XX/2020, via Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
This Collection agency XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, started to contact me by phone to harass me about a debt and also just followed up with a letter. 
They have not yet validated the debt. 
I did request via, email, fax and regular mail that they validated the debt they claim I owe before they continue to harass. 

I'm also concern that since they use unethical practices they will attempt to report this unvalidated debt to the credit reporting agencies. 

I want them to cease any debt collection until they can validate the debt and allow me to review all the documents that they will provide.

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 2020-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I contacted Fay Servicing on the XXXX of XXXX to make my monthly payment and they are refusing to take the payment. I followed up with account manager on the status of the loss mitigation application and the exact amount of payment that is acceptable and she will not respond at all. This lender is trying to further show that I am not making payments by not taking my payments. What law allows this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
This Collection agency XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, started to contact me by phone to harass me about a debt and also just followed up with a letter. 
They have not yet validated the debt. 
I did request via, email, fax and regular mail that they validated the debt they claim I owe before they continue to harass. 

I'm also concern that since they use unethical practices they will attempt to report this unvalidated debt to the credit reporting agencies. 

I want them to cease any debt collection until they can validate the debt and allow me to review all the documents that they will provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
CARRINGTON PULLED A CREDIT REPORT ON ME ON XX/XX/XXXX THEY HAVE NO PERMISSABLE PURPOSE TO PULL A REPORT. 
ACCOUNT WAS DISCHARGED IN BANKRUPTY IN XX/XX/XXXX.AFTER XXXX NO ENTITIY HAS A LEGAL RIGHT TO PULL A REPORT ON ME, I DO NOT HAVE AND ACCOUNT WITH THEM ALSO WHICH MAKES IT EVEN MORE ILLEGAL.STRIKE INQUIRT=Y FROM MY REPORT COPY BELOW FROM XXXX CARRINGTON MORTGAGE SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX Requested On : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Credit Collection Services has been harassing me and continuously violating my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$12000.00} to be paid via check for 12 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Credit Collection Services. This has caused me mental and physical distress and insurmountable pain. The certified return receipt was received on XX/XX/XXXX at XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
Square doing business as Cash App refuses to do anything to enforce their own nobody under XXXX  can have a cash app account. After finding out our underage XXXX years old daughter has a cash app account, she has opened yet another one using the phone number XXXX. 

We complained about this in XXXX and Square admitted that they had no way of enforcing their XXXX year old and older only policy. Somehow banks and other financial institutions are able to do so ( by requiring a social security number ). Makes me think that Square is deliberately encouraging underage kids to use it. 

When is the CFPB going to take action? Isn't the agency supposed to protect consumers? 

And do you know what kids are using Square and Cash App for? Drugs. We found that the Cash App user ids XXXX XXXX and XXXX are selling XXXX, XXXX  XXXX, XXXX  XXXX, etc. Way to go Square! 

Here 's a list of other user ids : 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  ) How long is Square going to allow this to happen? How long is the CFPB going to let Square allow this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experiana website does not work. 


I had an experian pin. Their website is broken. And now my credit is frozen and I can not unfreeze it. 

I Unfroze my credit I tried a temporary unfreeze. The website kept telling me to enter a pin even when I had done so. 

Finally it worked with a permanent unfreeze. 

But I could not enter a pin to freeze it again. The same errorit kept telling me to enter a pin even though I did. 

Finally it worked but the error meant the website generated a pin, I think. I do not know that pin now. My old pin does not work. I dont know the new one. 

The website will not let me obtain my pin. The option that allows me to obtain a reminder sends me to a order form for a paid credit report. That is an error obviously, but it means I will have my credit frozen forever! 
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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 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I am submitting this complaint to you because I give up fighting with TransUnion about inaccuracies and negative informations they are reporting on my Credit Report. I did online dispute, I mailed letters but nothing is done properly. First all, it is about my personal information i mean my name. I tried to contact Transunion several times by phone and by mails in order for them to correct my name. One of their representatives told me that they couldn't fixed, I need to banks who are reporting my name incorrectly with a suffix " XXXX ''. I asked him to give me the name of the banks so I can personally contact them and fixed it. He refused! I feel like they are reporting someone else which is not me. My name on my all official documents is : First name : XXXX XXXX initial : XXXX  Last name : XXXX By officials documents I mean my SSN card, ID, Birth certificate and XXXX XXXX. I have never used a generation name, suffix or other names to get a Credit. I don't know where did they get : XXXX XXXX XXXX. This is Wrong! On my XX/XX/2020 I sent TransUnion several letters asking them to investigate about negative items showing on my credit report and inquiries. It took them about 2 months to investigate and they didn't delete anything. They updated as verified! On XX/XX/XXXX I sent them another letter about their Method Of Verification under FCRA 611 ( a ) ( 7 ) ... Until today I have never heard anything from TransUnion. I called over the phone and nobody there seems to be helpful. For inquiries they told me to contact all companies by mails. All letters I sent to the companies were returned to me. Please help me resolve this frustrating issue. I am tired getting denied for Credit applications.

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 2020-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a copy of my credit report and found the following item to be errors. Here as follows are items in error : 1. I have never been late with payments on this account. 
CAPITAL ONE Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
CAPITAL ONE Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

I keep sending request disputing letter to the Bureaus and no response. nor from Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: NJ

Complaint narrative:
Equifax received an Official Identity Theft and Fraud Report that was filed with a Official Federal Agency in  charge of Enforcement. Equifax received the Identity Theft and Fraud Report via Certified Mail # XXXX in which certified was signed into Equifax possession on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a sworn notarized statement of my identity. Equifax is in violation of FCRA Section 605B ( A ) for the failure to block and suppress two of the Fraudulent Accounts From XXXX XXXX. Equifax is also in violation of FCRA Section 611 ( A ) ( 5 ) ( B ) ( ii ) for reinserting 2 deleted fraudulent accounts back onto my credit report without notifying me in writing within 5 business days prior to inserting deleted accounts that was deleted in XXXX. ( ie : report confirmation # XXXX ) Legal action will be filed in a Court of Law. Equifax must delete the 2 fraudulent XXXX XXXX accounts upon immediately receiving this complaint or Equifaxs Registered Agent will be served with Legal Process in 3 days from now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Was involved in class action suit for security breach of personal account information and Equifax was to provide all those affected free credit monitoring service in accordance with the class action settlement. I still do not have free monitoring on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: FL

Complaint narrative:
I am at my wits end and i do not no what else to do. my realtor checked my credit and told me that i had a negative account by the name of XXXX XXXX XXXX with a balance of {$9100.00} opened on XX/XX/XXXX and a XXXX  account with a balance of {$45000.00} opened on XX/XX/XXXX. These don't belong to me. i'm a victim of identity theft and i desperately need a Disaster relief loan that i can not get because of these accounts that do not belong to me. please 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 explanation
Consumer complaint received 2020-10-10 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: FL

Complaint narrative:
I am at my wits end and i do not no what else to do. my realtor checked my credit and told me that i had a negative account by the name of XXXX XXXX XXXX with a balance of {$9100.00} opened on XX/XX/XXXX and a XXXX  account with a balance of {$45000.00} opened on XX/XX/XXXX. These don't belong to me. i'm a victim of identity theft and i desperately need a Disaster relief loan that i can not get because of these accounts that do not belong to me. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I hired a XXXX ( known to me for about 15 years ) to remodel my bathroom. After halfway through, the XXXX asked for a payment of {$3000.00}. I wrote check # XXXX, to an employee of the company, for {$3000.00}. The employee deposited the check, through the ATM at SunTrust Bank. Unbeknownst to me, I had written another check, with the same check number, back in XXXX, 2020 ( I have 2 identical sets of checks, that are at least 15 years old. One with my address correct and XXXX incorrect ). Someone from the Fraud dept. at my financial institution called me and asked me if I had written the check. I told them yes, and they put the check through. In the meantime, my contractor told me that SunTrust had closed the account, and said SunTrust did not accept the check. I then paid the contractor {$3000.00} thinking the check would be sent back to my institution. The {$3000.00} check cleared my account on XX/XX/2020. After many phone calls to SunTrust bank, with the employee, part of the conversation, SunTrust said they did not have the money, that it was probably in limbo. I finally made an appt to talk with SunTrust bank, in person, along with the contractor, and the employee I wrote the check to. The contractor, the employee, and myself, had a personal meeting with SunTrust on XX/XX/2020, at XXXX. We all spoke with an employee. Then SunTrust asked me to sit in the lobby while they talked to the contractor and the employee. I was then called to the Manager 's office. He said I wrote a fraudulent check. I told him I did not, that my financial institution accepted the check and put it through for payment to the original personal I had written the check to. The manager also said, if he believed I wrote a fraudulent check, I would not be here sitting with him. He said the money would be available to the person the check was written, in about 2 weeks. It's now XX/XX/2020, and my contractor still does not have his {$3000.00}. I called my financial institution today, and they obtained documentation that SunTrust has the {$3000.00}. I do have an appt on XX/XX/2020, at XXXX, at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, that includes the contractor, the employee, and myself. I am hoping that this will be involved, but it seems like no matter what I do, SunTrust is going to keep my contractor 's money, that is rightfully owed. My financial institution gave me the routing number showing the money accepted by SunTrust. Can you help either by getting the {$3000.00} back to me, so that I can pay my contractor, or give the contractor the {$3000.00}.

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 2020-10-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I got a claim but do know where or how to claim 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 2020-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: PA

Complaint narrative:
Good evening, my name is XXXX XXXX Ive been trying to unlock my us bank account since XXXX XXXX.To begin with I never even received a card to access my benefits in the first place and when I get the card I am locked out.I sent in my documents and I am still having problems even getting in contact with somebody to help fix the situation.This is my last resort please 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 explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: TN

Complaint narrative:
I have a direct express card. My card is locked, I access my money. I called on XX/XX/XXXX talked to them did what they said, for 8 days no one has answered the phone. XXXX dollar on my card I can't get, my elec. and water shut off. Still can't get an answer from Direct express customer service.

Company response to consumer: Closed with explanation