vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: VA

Complaint narrative:
I lost my cash app card and had an available balance of over {$400.00} on it. Cash app refuses to give Me access to my funds because I dont know the card number ( even though its lost so I dont have it ) I have verified my name, email address, home address and phone number attached. I even was able to provide a multi authentication code that was sent to my phone number. I was advised to create a new cash app account and they would be able to transfer the funds from the old account to the new account, however after doing so they say they are unable to. There has been purchases made on the account since the card has been lost but cash app refuses to send me a new card, or close the account or even suspend it to prevent additional purchases being made on the card. I have been calling since XX/XX/2022. They refuse to let me speak to a manager to try and resolve and at the end of each call I am advised to call back and speak with the next agent. This is now 5 months and I am unable to get my funds from cashapp My old cash app account that has the funds in it is XXXX XXXXXXXX the phone number associated with it is XXXX the new account is XXXX XXXXXXXX with the email associated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi there, My complaint is regarding accessing the customer service team at XXXX XXXX Bank of America XXXX The company only allow its clients to reach the customer service team through a phone call. Many times, there are excessive wait times ( ~50+ minutes ). Frustratingly, even after waiting that long, calls can drop off and the client needs to start the entire call +waiting from the beginning. This really causes a lot of inconvenience for the consumers. 

Interestingly, there are some issues that can be easily resolved over emails, rather than forcing customers to go through this long waitings. But the company doesn't offer any such customer service email addresses to its clients. 

I was wondering if CFPB has any authority to force financial institutions to improve their customer service operation for consumers by reducing wait times and allowing alternative mediums to access service associates ( e.g., email ). 

Thank you for your kind consideration. I look forward to hearing from you.

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 2023-01-24 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-01-24 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Received a letter in the mail from IC System , Inc. on XX/XX/XXXX regarding a debt owed to XXXX XXXX for {$650.00}. Debt is allegedly from XX/XX/XXXX. 

I have never had XXXX services in my life, nor has anyone in my household. I have proof of me having service with different providers the whole time. XXXX was able to confirm this.

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 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MO

Complaint narrative:
I filed a dispute through XXXX  and XXXX. I sent money through cash app. Cash app has blocked my account which they owe me XXXX dollars that they refused to refund. I sent in XXXX on XX/XX/XXXX for some clothing items which was two pair of shoes and two outfits a dress and a sweat suit two piece. Its been a month and I havent received my merchandise. I purchased a short and pants. I returned the items for a smaller size I was sent confirmation that the company received the item on XX/XX/XXXX at XXXX ; XXXX ( XXXX ) still I have not received my item. Could you please help me get my money from XXXX and Cash app and XXXX! This is a wrong and against the law ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX - Property : XXXX XXXX XXXX, XXXX, NY XXXX FHA XXXX XXXX Freedom Mortgage Account XXXX XXXX Freedom Mortgage Company ( bought the paper for our loan from XXXX XXXX Mortgage ( XXXX ) XXXX XXXX ), miscalculated the taxes for the escrow for the XXXX XXXX XXXX for the current mortgage year XXXX by {$4000.00}. When we received the Escrow Account Disclosure Statement XX/XX/XXXX, which is uploaded to this Complaint, I called Freedom Mortgage and spoke to the Escrow Department. They requested documents from the XXXX XXXX XXXX, which are also uploaded to this Complaint, and provided to them right away. 
We waited until the date they requested ( XX/XX/XXXX ) to allow them to process the new tax amount. We then received the REVISED Escrow Account Disclosure Statement which showed the updated payment of {$1500.00} effective XX/XX/XXXX. I then called the Escrow department to find out why it is not corrected as of the XX/XX/XXXX payment, and they had no reason nor comment. They did not plan to make it effective that date. I asked why it is not adjusted since we do not owe the extra {$800.00} they had added to the account in the first Statement, and they could give me no good reason. They suggested I call HUD, who took our complaint and suggested we contact CFPB. And so we are asking for your assistance in correcting this error. We are asking that the XX/XX/XXXX payment be corrected to {$1500.00}.

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 2023-01-24 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: CA

Complaint narrative:
I am a Police Officer and my privacy and rights are very important to me. I've researched my rights and found that under 15 U.S.C. 1666b - Timing Of Payments : That My Rights have been Violated. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this Title is mailed or delivered the the consumer not later than 21 days before the payment due date. 
Here are the accounts in Question : XXXX XXXXXXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX and XXXX XXXXXXXX Acct # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a Police Officer and my privacy and rights are very important to me. I've researched my rights and found that under 15 U.S.C. 1666b - Timing Of Payments : That My Rights have been Violated. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this Title is mailed or delivered the the consumer not later than 21 days before the payment due date. 
Here are the accounts in Question : XXXX XXXXXXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX and XXXX XXXXXXXX Acct # 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 2023-01-24 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: NV

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX CO XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX CO XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I just read that credit karma was sued for saying that I would be approved for credit and when I tried to get approved for a credit card I was denied because of my credit score I also tried to get a loan through credit karma and was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have several over drafts fees for {$35.00} dollars or more and if its not paid in a timely manner they will continue tag on an extra {$35.00} which sometimes make it hard to pay the full amount. It will go from - {$35.00} to - {$70.00} with in a week. Times are getting hard and yes sometimes we as the people make mistakes but the bank is already charging a {$14.00} balance a month for holding your money. Its a lot worth Wells Fargo.

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 2023-01-24 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: TX

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX and TransUnion did not modify or removed anything. 

The date open is not correct, date last active is not correct on XXXX and TransUnion date of last payment is not correct on XXXX credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my certified stamp when I sent letter to XXXX and TransUnion. 

XXXX XXXX XXXX XXXXXXXX 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 2023-01-24 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: TX

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on XXXX and XXXX date of last payment is not correct on XXXX credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my certified stamp when I sent letter to XXXX and XXXX. 

XXXXXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: GA

Complaint narrative:
I have been a victim of identity theft I have been victim of identity theft please remove these accounts immediately. The credit reporting agency 's needs written instructions to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority which violates 15 USC 1681b ( a ) ( 2 ). Please view the attached letter to see the accounts that are in question.

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 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
The enclosed documents are regarding Complaints XXXX and XXXX. It is the evidence to support the Enforcement Actions against Carrington Mortgage ( CM ). Moreover, it provides Carrington Mortgage state of mind prior to XX/XX/XXXX, XXXX day I was served a summons to foreclose on my home. On XX/XX/2023, CM submitted a letter I received after XX/XX/2023, to indicate my application was 'Incomplete ' and more documentation was needed. Is this Enforcement or Retaliation? Specifically, there are details how the HOA and their Law Firm benefitted from my hardship and CM deceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My rights as a consumer are continuously being violated by the creditor ( Capital One ) and the credit bureaus. In accordance with 12 CFR 1006.6 ( b ) ( ii ) At any unusual place, or at a place that the debt collector knows or should know is inconvenient to the consumer. 

Acct # : XXXX ( Capital one ) I have consistently provided accurate identity verifying information, and the fraudulent address and phone number, quite literally proving it isn't my debt. continues to stay on my contact information on this account. 

I have called both the creditor and the credit bureaus, and continuously get ignored, leading to this deliberate violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I signed up for a checking offer XXXX. Simply deposit {$20000.00} and leave it in the account for 60 days and I was supposed to receive {$500.00}. It seemed easy enough according to the advertisement and I fulfilled the terms of the offer but the bank has not paid me the bonus offer. This has been an ongoing offer and I see on their website it's still active with a renewed expiration date. 

https : XXXX Please help resolve this. Thanks so much!

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-24 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation