vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following accounts were charged-off by the creditors & filed on my personal taxes ( 1099 C ) as income. Income is not credit. Therefore, the information is inaccurate/no longer valid and needs to be removed. According to the IRS, any charge-off reported by a creditor and filed as a loss, becomes income that the consumer must file as income ( 1099 C ). Income is not credit. Therefore, it is no longer accurate information. Any inaccurate information must be removed according to the FCRA.

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 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
Yesterday, I had {$2.00} in my Cashapp account, and my roommate sent me two separate payments of {$88.00} and {$150.00} for her part of our bills. When I checked my account last night, there was only {$80.00} in my account. I reached out to customer service to ask what happened and they said that there was a " technical error '' from XX/XX/XXXX to XX/XX/XXXX that purchases I had made at XXXX hadn't processed so they had reimbursed the company. In that time, I never received a single notification that there was an issue or I would not have made more purchases. On my statement, it says my purchases were complete. When I reported this, customer service all but told me it was my fault for not paying closer attention to my account and to go to XXXX, even though the " technical error '' had nothing to do with me or my finances. I am being punished for a problem on their end that I should have, at the very least, been notified of. Those purchases happened days, even WEEKS, apart, and I wasn't told at all that there was a problem. The money they took wasn't mine to give, and now I have to reimburse my roommate out of my own pocket for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally reached out to several of my XXXX friends and family about my debt. I received over 20 calls a day, back to back and even sometimes private. Ally made fake XXXX pages with their pictures pretending to be friends and family. I asked them to stop several times and it still continued. I have voicemail recordings and text screenshots from the people they contacted.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I already have disputed this account multiple times for the last 5 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I opened a Credit Karma Money Spend Account, where {$4000.00} in funds were stolen out my account using a debit card that i never recieved in the mail. I called the support daily looking for ways to protect my account but recieved no help. 

XX/XX/XXXX : {$1500.00} XXXX XXXX XX/XX/XXXX : {$2300.00} XXXX i have proof this was not me. 
please help i had a card shipped in the mail it was never recieved i lost access to my account and by the time i reached the customer service my money was gone i called everyday even at time with support from Credit Karma saying unfortunately it was nothing they can do to help me and hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
Mortgage was sold/transferred from XXXX XXXX XXXX ROUNDPOINT XX/XX/XXXX. 
First statement of XX/XX/XXXX from RP indicated a past due balance. 
Each statement after still shows a past due balance. 
Escrow is not in question as that was transferred as well. 
-There is no way to reach a live human operator on their phone number. 
-Ive emailed at least three times for help, -asked for appt phone call with Office of President , and -submitted a written Notice of Error. 

Auto generated email responses were received but have had zero live responses. 

I do not want this to appear as my fault. ROUNDPOINT mortgage is awful and has no customer services. 
Thanks,

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 2023-05-03 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:
Privacy and Confidentially under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NC

Complaint narrative:
I have been trying to get several medical bills removed from my consumer report. My information was shared without my permission violating several of my rights. There are XXXX accounts totaling {$4000.00}. Ive asked for verification of debts and have not received any. 
I have not supplied proof under the doctrine estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: PA

Complaint narrative:
Please help ASAP, Ive found the following accounts on my report that are fraudulent. Please remove them ASAP. I have attached an FTC letter and proof of ID and address. According to section 605b of the FRCA there items must be blocked and removed within 4 DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Notice of Dispute I am writing to file a formal complaint against WELLS FARGO AUTO for their continuous harassment of me regarding a complaint I filed with the company. I believe that the company has violated several laws, including the FDCPA, the FCRA, and the Graham Leach Bailey act. Furthermore, when I asked how they were protecting my privacy, they continued to violate my rights. 
Despite my attempts to resolve this matter, WELLS FARGO AUTO has been continuously harassing me, which is a clear violation of the FDCPA. Additionally, the company has failed to properly address my concerns about my privacy, which is a violation of the FCRA. Moreover, WELLS FARGO AUTO has not responded to my affidavit, with a affidavit sign under the penalty of perjury, which is a violation of the Graham Leach Bailey act. 
I am deeply concerned about the impact this is having on my life. The harassment has caused significant hardship for me, including damaging my credit, reputation, and overall financial well-being. I would like to be compensated for the difficulties and suffering that I have endured. IM SO TIRED OF HARASSMENT & VIOLATIONS!!! 
Therefore, I urge the CFPB to conduct a thorough investigation into this matter and take appropriate action against WELLS FARGO AUTO. I demand that the company adhere to all laws and regulations and respect my rights and privacy.

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 2023-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: WI

Complaint narrative:
On XX/XX/23 I received a surplus escrow check from my lender. The letter states this is an overage after my taxes and insurance has been paid. The letter states this is my funds to do as I wish with them, being a first time home buyer I decided to put the funds back into the house by redoing my hardwood floors. On XX/XX/23 I received a letter from my city stating my property taxes were not paid. They are now requesting {$2700.00} with fess and interest. I called amerihome financial and was told they did pay my taxes in the amount of {$800.00} they are lying to me and claiming the city only sent them a bill for that amount. I spoke with city of XXXX this morning and was informed that my lender misread the statement and only sent in the first installment of my property taxes with the intent to pay it in full. They did not understand the assignment. My lender is not owning up to this mistake as they keep telling me the city sent them the wrong bill. Amerihome is acting unfair and deceptive. I was misled on the terms of why I received the escrow check. I am being lied to about why my taxes were not paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
When I was checking my credit scores, I noticed there were quite a few errors on my equifax report. I tried calling them, but I could not get a person on the phone, so I tried contacting them via mail and I still have not gotten a response from them and that was back in XXXX. They have violated my rights by mishandling this situation and not following the procedure guidelines of the FCRA and by not responding within the CFPB 60 day response period. At this point I feel like I must take further action because they have failed to address and remove the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NC

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts.

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX DEPTEDXXXX  Account number : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 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 2023-05-03 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:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

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 2023-05-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a problem with two charges on my card and I open up an investigation much time went by approximately 3 weeks and I never received any paperwork from the bank and they never credited the amount owed. When I called to find out about this they couldn't find my reference number and had a reopen another case. These charges occurred XX/XX/XXXX and XX/XX/XXXX of XXXX and didn't receive a credit for that until 3 months later. I've been asking for bank statements but when they send them there's always two or three months missing and the amounts charged and dates are all incorrect. Received an email on XX/XX/XXXX of XXXX saving if I had problems with the account to call and I did I asked for a statement again and they sent me ones that are incorrect when I tied to dispute the charges listed on them the bank statement that they had did not match the one they sent me that makes no sense to me I called back several times and I just get hung up on I can't seem to get any reconciliation with this account. I'm showing the discrepancy of approximately 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 2023-05-03 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: VA

Complaint narrative:
Metro 2 Compliance Standards. This alleged debt are reporting fraudulently the 4 Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES. 
If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.

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 2023-05-03 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: Kriya Capital, LLC
State: VA

Complaint narrative:
XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the 4 Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES. 
If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief