vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: WA

Complaint narrative:
Square deactivated my account providing no reasoning and is now holding tens of thousands of dollars from my small business for several months.

I opened an account with Square on XX/XX/22. I spent several hours setting up the account, verified my bank account, and began using it to process invoice payments for my customers. 

On XX/XX/22 I received a notice from Square stating my Deposits were Suspended and while they would still allow customers to pay the outstanding and new invoices they wouldnt be depositing the funds to my bank account. The email instructed me to go into my Square Dashboard and complete an account confirmation form but there was no form available on my dashboard. A few days later I received another notification email but still there was no form available to complete. 

On XX/XX/22, I reached out to the Square support team to ask how I could complete the form per the emailed instructions that were inaccurate. The representative asked me to send the form responses directly to her via email. I sent her the responses to the questions. I didnt hear anything back for a week ( XX/XX/22 ) so I emailed the representative who responded 4 days later ( XX/XX/22 ) and asked me to complete the form a second time, so I did. 

All this time I was invoicing customers and receiving payments to my Square account but they werent being deposited to my bank account. I thought it would be okay, because surely there was some misunderstanding that would be cleared up with the responses I provided in their form. 

On XX/XX/22, I received a template email stating that my account had been deactivated but was provided no explanation for why the decision was made. Whats worse, the email said that the funds in my account would not be released to me for 90 days. To this point I had received tens of thousands of dollars in my Square account from my customers and now Square will be holding those funds for 3 months from my small business that is dependent on cash flows.

I followed up with Square support multiple times but no one has been able to provide any explanation for why the account was deactivated. They simply provide a generic response : After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

If they had an issue with the responses I submitted to the form, why didnt ask the form questions that led to my account being deactivated when I was signed up for my account in the first place? That would have saved me from ever having to go through this. Im also baffled at how they can hold money from a small business without providing any explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
My personal computer was stolen and all my information was on there. I just got the billing statements arrived today I have never been on this website. Contactinfo is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My elderly parents aged XXXX and XXXX bought airline tickets at XXXX XXXX XXXX XX/XX/XXXX XXXX using my BoA credit card. Due to Pandemic Flight Operational challenges, the XXXX airlines rescheduled flight without our approval.The flight was later on canceled.XXXX offered full refund of {$1300.00} but we are only refunded {$240.00} I was told to wait for 5 months byXXXX but never got remaining amount .They advised me to file refund at XXXX XXXX XXXX which never responded as to when remaining amount of {$1100.00} will be given. I have sent countless ( >20 emails and calls ) but all attempts were unsuccessful. I reached out to BOA XXXX credit card on XX/XX/2021 but my claim was denied. My parents are old and put their only remaining cash on the purchase of the tickets to see family in the XXXX. Their pleas to be get the remaining amount was ignored by Bank of America and XXXX XXXX. I selected Bank of America Credit card in the hopes that when disputes like this happens, we will be helped and protected from dishonest business and protect consumers from being taken advantage of. We also selected XXXX  because they are Flag carrier for XXXX  here in America. We thought they will care more for their people.We are so desperate to seek for help .I have all documents if you need me to submit them .Please help us .Thank you and God Bless! 
Passenger 1 : XXXX XXXX XXXX XXXX Booking Reference : XXXX Ticket XXXX Passenger 2 : XXXX XXXX Booking Reference : XXXX Ticket XXXX XXXX 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 explanation
Consumer complaint received 2022-02-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
This is not an inquiry it's a complaint. First, one of Eastern Account System 's employees XXXX XXXX has been unethical concerning a debt collection activity. Eastern Account Systems claims that I owe {$370.00} based on an account that I previously had with Wow cable. I paid Wow cable directly on XX/XX/2022. On this same day, I spoke with XXXX XXXX ( XXXX ) who acknowledged that I had paid the debt and told me to send the paperwork/receipt of payment via Wow and it would be taken care of. She said nothing of extra communication with Wow or anything that would've made me think there was anything else that needed to be done. Today, I call Eastern Account Systems and their epresentatives are still trying to collect a debt that I do not owe? I was told that Wow needed to send the paperwork over and that they had not done that. Well, I spoke with Wow today, they said they have sent the information that is needed. This is all unethical behavior and this account needs to be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am name is XXXX XXXX and this This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In the summer of XXXX, I started receiving payment overdue notices from Synchrony Bank concerning a Credit Card account ( XXXX ). I immediately contacted the bank and told them although my personal information was correct, I did not have a credit card from them. On XXXX XX/XX/XXXX, the informed me it was an unauthorized account and that All charges have been removed and you wont be held responsible for the debt. All well and good for XXXX XXXX years and then received a From XXXX to file with my taxes. I was told by different customer service personnel to forget about it, erroneously sent to you and dont worry about it. So I filed my tax forms without including the XXXX because I dont actually owe that amount of money. On XXXX XXXX I sent a letter to Synchrony Bank requesting they issue me a CORRECTED XXXX showing my personal information but does not belong to me as previously ascertained. The original XXXX should have been sent to the person who stole my identity and used my personal information to open and utilize the credit card. Today Im sending them another letter to request the CORRECTED XXXX before the XXXX comes knocking on my door looking for their money. Just a guess but appears Synchrony Bank decided XX/XX/XXXX ( Date of identifiable event ) to attempt to clear the {$12000.00} the debtor was personally liable for repayment of the debt box checked. and when they keyed in the account number it spit out a XXXX with my personal information ( just like the original credit card bills I received ) I.e. mailed to me ( but not the owner of that 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 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
In XXXX, I purchased furniture from XXXX XXXX XXXX. I financed this furniture through XXXX XXXX XXXX XXXX. I have paid for my furniture in full, and XXXX XXXX XXXX XXXX continues to harass me by calling multiple times a day. I made numerous attempts in XXXX and XXXX to settle this debt for XXXX XXXX despite the fact that my furniture had already been paid in full. I was told by XXXX of the dozens of customer services representatives with XXXX XXXX XXXX XXXX that I would not be able to reach a reasonable settlement unless I first allowed my account to go into default status. The problem with that is that TD Retail Card Services continues to post negative marks on all three of the major credit bureaus, causing my credit score to plummet significantly. In fact, I had to settle for an auto loan with an extremely high interest rate because they were the only ones to approve me. On nearly every XXXX of the dozens of phone calls I have made in an attempt to rectify this matter, I have made the representative aware that the XXXX XXXX has had a catastrophic impact on my family 's ability to meet even our most basic needs. There was no consideration for this matter. I would repeatedly ask for an itemized statement of the alleged charges, but I would ultimately be transferred to a line was supposed to be where I would be greeted by an account XXXX to assist me. At that point, I would be immediately disconnected. I am asking that the alleged debt to TD Bank/XXXX XXXX XXXX XXXX  be forgiven, that all negative reporting be deleted from all credit bureau reports , and I am ask for {$3500.00} to be paid directly to me so that I may pay down the principle for my high interest auto loan that I would not have otherwise incurred if even XXXX person would have cooperated with me in my numerous attempts to settle this account. I just want to do the right thing, and they have made it unreasonably challenging to do so. It seems remarkably unethical for them to force me into a delinquent status in the wake of a pandemic and armed with the knowledge that my husband had abandoned his family of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I have already sent Experian written instructions to remove accounts off my credit file because I never gave them permission to furnish the report pursuant to TITLE 15 USC 1681b. They have failed to comply and adhere to my consumer rights. How is it that these credit reporting agencies are able to verify anything without being present during the alleged transactions? The CFPB is supposedly established to help the consumer in these situations. Please do your job and get the positive results I want. There shouldnt be any reason why when I confront a credit reporting agency and show them the code that shows how they are violating my rights that the violation shouldnt be cured 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 2022-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
There are four ( XXXX ) homeowners insurance policies attached to my property, which has TWO houses on the parcel : ( XXXX ) homeowner 's policy for the main/front house ( XXXX ) earthquake policy for the main/front house XXXX XXXX XXXX homeowner 's policy to the guest house ( XXXX ) earthquake policy for the guest house. 
All of these insurance policies are with XXXX XXXX, which also pays the California XXXX XXXX ( XXXX ) for the earthquake policies. 
In the 28 years I've owned my home, every loan servicer has paid all 4 policies on time, every time, when they are due in XXXX. 
When I refinanced my mortgage with United Wholesale Mortgage ( UWM ) in XX/XX/2021, UWM was given all 4 policies by my mortgage broker and my XXXX XXXX agent. UWM only impounded the homeowner 's policy for the main house. UWM has a portal in which to send messages and to upload the additional policies, which I need to have impounded so that I have stability in my monthly payments. Their portal wouldn't allow me to upload the documents. I called their Customer Service in XXXX AND XXXX. I was given a fax number and told to have my insurance agent fax the policies to UWM. My XXXX XXXX agent 's office has done this at least 3 times now. On the 2nd call I made to UWM Customer Service, I was told UWM doesn't impound earthquake policies because they're not home insurance. Yes they are ; these policies pay me if there is damage to my property as a result of an earthquake event. 
With great effort, I finally got UWM to add the homeowner 's policy for the guest house with the assistance of my mortgage broker ; however, they haven't adjusted my monthly mortgage yet. But UWM refuses to add my earthquake policies because they insist these are not part of homeowners ' insurance. 
Again, every single loan servicer has always impounded and paid these 4 insurance policies. I really need help from CFPB because UWM isn't being cooperative and providing the service I deserve and have always received from previous loan servicers. I'm a senior citizen too, so this is even more distressful to me. I can't afford to pay {$3000.00} for the earthquake policies in XXXX that haven't been impounded because the impounding helps me with monthly budgeting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: MI

Complaint narrative:
The amount of spam robocalls I am receiving from comenity bank is absurd. On average 10 calls per day with no voicemails, my accounts are NOT over due and hold a collective balance of under {$1000.00} that is current. This is unacceptable, I will be paying my accounts off and closing my account and never doing business with Comenity or any of the subsidiaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays unexpectedly closed my account in XXXX and put my account into collection. They said to pay off the closed account which I paid down to XXXX of the XXXX balance. I then had some hardship and told Barclays I couldnt make the payments. During that time they increased the interest on my account and charged late fees that increased the balance to XXXX. This was very strange as a closed account was still accusing fee and interest. I since had made numerous phone calls to Barclays to correct the amount due. They have taken my name and phone number and have yet to call me or respond to my inquiry on settling the balance. Theyve instead charged off my account which has negatively affected my credit making it difficult to obtain any reputable credit lines. They are a bully. They offered me a card then blacklist me. Not only that but they refuse to speak with me or to rectify my account balance. Since they have been charging me fees while my account was closed this will stay on my credit report for an additional XXXX years.

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 2022-02-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-21 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Hello, I am XXXX XXXX. I am making a complaint to Equifax in regards to the account on my credit report called XXXX XXXX XXXX. I finally received the letter of verification/investigation results stating Equifax is not reporting the account. I am disgruntled with Equifax 's professionalism as you stated you are not reporting XXXX XXXX, however it is still on my credit report per myEquifax. 

Again, this violates my rights and is against FCRA and FCDPA. 
Not to mention this is way out of the 15 day window of validation, yet this is still reporting! 
I demand Equifax to update my credit report immediately and send proof of so via mail. 
Thank you,

Company response to consumer: Closed with explanation