vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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: CA

Complaint narrative:
Square closed my account after I received the money on it for no reason and he reserved the money and I desperately need it because I am in financial difficulty I emailed them Hundreds of times and they don't even answer they have held my money for more than a month now without any reason and I can't withdraw it to my bank account please help me Because I really struggled to make that money. 
This is the email attached to the account : XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than XXXX which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove collection accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX Ive already included this in my previous Complaints & I am including it again., XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$920.00} XX/XX/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 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: XOOM CORPORATION
State: PA

Complaint narrative:
i tried to transfer money using xoom on XX/XX/2022 at XXXX XXXX, it canceled out on xooms end, they withdrew the XXXX from my bank account i was sending it to, inturn overdrawing my account ... at XXXX XXXX  i tranfered XXXX more to clear this negative. when i checked later i was still missing the XXXX, as my account had the originial begining balance of XXXX, so i have reached out mulitiple times to xoom, mulitiple emails, i am getting no where. ive seen them screenshots of all the asked for info, transactions etc, this has been going on for 21 days, i dont have an extra XXXX to just throw away and they dont care, just hang up on you, and tell you your wrong, or no thats not it, so i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Information was leaked in a data breach.

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 2022-05-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Information was leaked in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently received a notification that a new credit card was opened in my name. I reviewed my credit report and saw that a Kohls charge card was opened on XX/XX/22. This was not done by me and in order to dispute, I was told I needed to file a complaint on this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 2022-05-25 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: PA

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/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 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I went to Navy Federal when I wanted a company to stop charging me, they continued to allow the company to charge me, and when I filed a fruad report with navy federal they gave me my money back, and reversed it after they rejected the claim. Here is the issue, I asked Navy Federal to stop allowing the transactions and they continued to allow it to the tune of XXXX. My other bank ended up sending me a check for XXXX and an apology for not helping me. Navy Federal decided to sue me, after knowing this scam was going on and did nothing to help me. They sent one letter offering a settlement of XXXX, but never a bill or allowed me into my account. They took XXXX that was for my secured credit card and still are suing me. I can not even login to my credit card to make a payment and when I called today, I was hung up on and the guy informed me he could not even speak to me about my credit card. So, what is next they get to sue me for my credit card they wont even allow me to login and make a payment on?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
I have already submitted a complaint about this mortgage to the CFPB. It is Complaint Number XXXX. With that complaint, I sent to the CFPB a Notice of Error letter which I had sent to PHH Mortgage Services ( XXXX XXXXXXXX  ) which included a Third Party Authorization signed by the Borrower in favor of me, XXXX XXXX XXXX, XXXX. 

Today I received from XXXX a letter dated XX/XX/XXXX and referencing " Regulatory Case XXXX. '' The letter states that PHH has " not received authorization from the account holder to provide specific information to you. '' This is false. PHH has received the third party authorization multiple times, and when I called PHH today, they admitted that they had it. The PHH representative to whom I spoke today, stated explicitly that this letter is not in the borrower 's file. She then tried to tell me that the XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX, NJ shown on the PHH letterhead is not a PHH post office box address. 

The PHH letter comes from the " Office of Consumer Ombudsman, '' but when I asked the PHH representative on the phone today to connect me with that office, she told me that there was no such office. 

Then the PHH representative told me that the loan has been referred for foreclosure to the law firm of XXXXXXXX XXXX XXXXXXXX. The loan was put in COVID-19 forbearance on XX/XX/XXXX until XX/XX/XXXX. I was told by PHH in a telephone call on XX/XX/XXXX that a second six-month forbearance has been approved to go into effect on XX/XX/XXXX. It is wrong for for this loan to be referred to counsel for foreclosure while it is in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2022-05-25 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX XXXXXXXX has violated my rights as a consumer by failing to validate a debt at my request and continuing to report to ALL 3 CREDIT BUREAUS the disputed debt to the CRA. These are clear violations of both the FDCPS the FCRA. I gave them legal time of 30 days to complete this, they refuse to do so. The credit is causing damage to my character, because of they failed to investigate this account properly, the are in DEFAULT. 
XXXX # XXXX AMOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: NY

Complaint narrative:
I have mailed an invoice to Experian for its Violation of my Consumer Rights under the FCRA, and after waiting 30 days, I received an invalid response to my issue. Instead, they decided to just delete more items from my report admitting more guilt. 
Certified Mail Number : XXXX XXXX XXXX XXXX XXXX Sent out on XX/XX/202XXXX 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 2022-05-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2022 opened {$20.00} amount In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2022 opened {$20.00} amount In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022 I made a payment through my Chase bank account via XXXX for {$1500.00} but inadvertently put in the wrong email address for the recipient. I was missing the full email address and so when I sent the money, the intended recipient didn't receive. We realized immediately and I sent another payment to the correct recipient, and they received that amount correctly. 
I then went about trying to cancel the payment to the incorrect person as it was not showing as finalized. I immediately called my bank to tell them of the error and they took my information and said they would look into it. I also contacted my banker to see if they could help me and he also said he would see if there was anything he could do. I also sent an email to the incorrect recipient to tell them that I had inadvertently sent them money by mistake and would they be kind enough to return ( I did not hear back from this email, nor a follow-up ). 
On XX/XX/XXXX, Chase sent me a letter saying they had looked into my request and would not be doing anything as they had processed with the information that I had provided. 
At this point I tried escalating through my banker and I received a call from their escalation department a few days later. I explained the situation and she said she would look into it. A few days later she called me back and said that the claim department stood by their initial decision and had no intention of helping me further. 
So, I am at a loss how to recover the money from the incorrect recipient. Chase/XXXX are saying this is because of a privacy issue, but I believe there must be some way for someone to help me get enough information that I can try and recover the lost money. If the bank had made a mistake and deposited into the wrong account, they have the right to recover it and would sue the unintended recipient if they didnt return it. I dont understand why this is any different. 
I was also looking at Regulation E section 205.11, and that seems to cover EFT errors, but no one wanted to address that regulation and tell me why I could not get relief or help under it. 
I am hoping that going this route I will get a more satisfactory solution. I have also reported this to my local police department and can provide the report number if requested. 
Many thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage was originally with XXXX and just last week changed to Shellpoint. I was under the covid forbearance plan with XXXX, I was promised the ability to defer the missed payment amounts until the end of the loan term, up until now that amount is over 100K, this was suppose to be deferred to the end of the loan once my forbearance ended in 18 months. However, now Shellpoint has taken over servicing my loan as of XX/XX/22, and they are claiming I owe the full XXXX and they claim they have received no covid forbearance agreement from XXXX. I believe this is a requirement by law to receieve all the paperwork in servicing transfer. I can not pay XXXX and nor do I want to be penalized and refinance with a higher interest rate. I am asking for them to honor my initial verbal agreement with XXXX that I would have an option to backload the due amount. This is urgent, as Shellpoint is threatening me with late payment fees and credit reporting of late payments, even though I should still be on covid forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XX/XX/2020- XX/XX/2020 I had XXXX worked as a XXXX XXXX XXXX for over 20 years. the company sent paper to go to court. during this time covid was bad. I sent a letter to company and court explaining why I could come to court due to having XXXX and being exposted. they didn't reset a court day to give me a chance to dispute the case. They took an advantage of bad timing.

Company response to consumer: Closed with explanation