vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I recently contacted the original company I have a delinquent balance of {$580.00} for an utility bill. XXXX XXXX XXXX XXXX  XXXX company ) in good faith I want to pay my balance. I choose to pay them directly rather than the collection agency that shows up on my credit report. IC systems. 
I have made three payments thus far. 

Once I started making payments to XXXX XXXX XXXX  XXXX XXXX IC systems is maliciously flagging my credit report every few days within 30 days! This is harassment I owe IC systems nothing and they have no right to put such derogatory marks on my report in attempts to lowering my score and tarnish my record. 
I have screenshots, pictures of how many times and how often they are doing this. This is violating my consumer right to fair reporting and also against the law. 
I am XXXX years old and I am struggling to rebuild my credit. I have been doing everything right and when I start making payments to the original company IC systems starts viciously attracting my credit report. 
IC systems dates of bogus inaccurate illegal reporting .... 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I will attach photos of each date. And proof of 2 of three payments I have made directly to XXXX XXXX XXXX  XXXX. 
This is clearly an attack from IC systems and they must be held accountable for their actions. 
Because I choose to pay the company directly they choose to retaliate and attack me in such an unprofessional way. 

They no longer have rights to my account as I am currently in contact with XXXX and actively paying. 
They have absolutely no right to attack my livelihood in such irresponsible violating ways. 
And they can not deny their actions with the pictures Ill include with this complaint.

This debt is old not new. All the damage IC systems inflicted on my report in 30 short days is unlawful. And Experian should NEVER allow such crime. XXXX  has a LOT of violating inaccurate reporting. Purposely holding credit scores back with bogus reporting is a violation!

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 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
On XX/XX/2021, I sent money to my sister in XXXX but it didnt go through so I tried to get a refund. Money gram is not allowing me to get my refund even though I called their number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Summary : On multiple occasions, customer ( s ) of Cash App/Square Inc. used electronic funds transfers to receive the proceeds of fraudulent transactions via their Cash App/XXXX XXXX accounts. Upon attempting to reverse the transfers, the reversals were blocked. Cash App has ignored my formal written dispute -- it has been over 10 days with no response or provisional reversal of the transactions, a violation of the Electronic Funds Transfer Act. 

Background Despite a phone call to XXXX XXXX ( the bank whose routing/account numbers were used to receive the EFTs ) on XX/XX/2021 as well as attempting to call Cash App, no action was taken to reverse the fraud, or to stop the pending fraudulent transactions. I am not a customer of Cash App, or Square Inc., or XXXX XXXX. Calling the Cash App support number at XXXX XXXX Time on XX/XX/XXXX resulted in an automated recording that declared that it was after business hours, however, no business hours were provided, nor any alternatives to contact Cash App other than signing into the Cash App account. As I dont have an account, that was a useless suggestion. I also reached out via the official Cash App XXXX account and received no response. 

Under the EFTA, in the event of an unauthorized transfer, provided that notification is provided to the financial institution within 60 days, there is no liability for the consumer. Despite repeated attempts to contact Cash App/Square Inc., the day the unauthorized activity was discovered and ongoing, issue was ignored. I also sent a letter to Cash App/Square Inc. detailing the transactions, including specific amounts, dates, and account numbers. 

Under the EFTA, they are required to complete an investigation into this matter within 10 business days and the error must be corrected within one business day after determining that an error has occurred. Cash App/Square Inc. has not responded at all, nor has any provisional credit been issued as required by the EFTA. 

According to the law, I am not liable for fraud. Also, there has been a significant amount of time and frustration in attempting to resolve this matter, including lost days at work. The lack of a phone number or contact information for the Cash App/Square Inc. fraud team is significantly negligent since there were transactions that happened even after I attempted to contact both Square Inc. and XXXX XXXX. The XXXX XXXX representative literally had no concern that there was active fraud occurring. She informed me to contact Cash App. And contacting Cash App was literally impossible since Im not a cash app customer and your phone number is useless. Obfuscating access to support is a significant issue. 


Attached is a PDF of the relevant transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Village Capital & Investment LLC
State: TN

Complaint narrative:
I have an accepted offer on my house in Alabama. I was supposed to close on the XXXX of XXXX. The mortgage company who has the mortgage says that by law they have 7 business days to give me a payoff of the mortgage. The company name is Village Capital and Investment. They sent me an e-mail telling me this after I had been run through the mill trying to get a payoff. It took me two days to get through to even talk to anyone about getting a payoff. The title company who is handling the closing could not get a response from them what so ever. Their website is not user friendly and does not offer to get a payoff anywhere on their website. I made the request on XX/XX/2021. So, now, I wont get the payoff until the XXXX of XXXX or longer if they mail it. The laws need to change. There is no reason why it should take 7 days to compute a payoff other than the banks are milking the consumer for more interest. The way this guy wrote his e-mail would suggest he is going to do everything he can to make my life miserable. Village Capital will not get any more of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
After a review, PayPal permanently limit your account due to potential risk. I was unable to contact anyone as to the potential risks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
All Rewards Ann Taylor Master Card has assess fees AFTER I paid the balance of the card off by the due date on XX/XX/2021. I believe they assess interest a month or more post the statement which results in always having a balance on the card. When you think you have paid a card off, they further assess late fees on accrued interest on a XXXX  balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I opened a XXXX XXXX credit card so that I can build credit history. XXXX XXXX advertises that they report monthly to all three of the credit bureaus to help build credit history ( see attached Advert.pdf ). Since opening my XXXX XXXX account in late XXXX, I have not had accurate reporting to any of the three credit bureaus despite maintaining excellent payment history ( see multiple Statement.pdf files ). For XXXX, I see no mention of XXXX XXXX in my credit report ( see XXXX Accounts.pdf ). For Experian, I see the account is closed, reporting negative as " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX, or XXXX '' ( see Experian Accounts, Inquiries.pdf ). For XXXX, I see no mention of XXXX XXXX in my credit report ( see XXXX Closed Accounts.png and XXXX Open Accounts.png ). I have contacted XXXX XXXX several times via telephone regarding this issue, and they mailed me a letter regarding the completion of their investigation ( see XXXX XXXX 3-4 Reporting Correction copy.pdf ) However, this did not solve the issue, so I sent a letter to XXXX XXXX including my reports, and highlighting the errors ( see Letter to Credit XXXX 3-4.pdf ). I received a letter back from XXXX XXXX regarding the reporting issue stating there was no reporting issue, and to sign the bottom ( see XXXX XXXX XXXX 3-31 Letter copy.pdf ). I have even attempted to dispute these inaccuracies with the credit reporting agencies, and to no avail.

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 2021-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
I have an FHA XXXX loan with Dovenmuehle which is being serviced through XXXX XXXX. 

Due to either negligence ( or outright fraud ) by the HUD consultant assigned to my project by XXXX XXXX, the bank approved and allowed release of approximately {$63000.00} of my project escrow funds to the contractor which he then took and did not use on my project. The funds were released for project funding categories that the HUD consultant said work was completed, or that materials were ordered, where this was not the case. 

The HUD consultant also signed off on work where the contractor has caused damage to the structure of the house that now needs repair and for work that was done incorrectly and has to be redone and repaired. This has left my escrow account with inadequate funding to complete the needed renovations and repairs for my project. 

Thus far, XXXX XXXX has told me that I will just have to try and complete my renovation with the remaining project funds, which is unacceptable as well as impossible. and the renovation has left the project at a stage that no other contractor wants to take on without charging a premium. Also, costs of materials have risen since my contract was bid which would make it hard to complete the project even without the theft of $ XXXX from the escrow account. My house is just sitting now in danger of vandalism ( you name it ) and my project has lingered now for over a year ( closed on XX/XX/XXXX ). Ive been paying the mortgage faithfully for a house I cant live in which is emotionally and financially draining. 

I filed a complaint with HUD earlier this year in XXXX and they have completed their review and came to the conclusion that the bank is fully responsible for both the mishandling of the escrow funds as well as the HUD consultant. I got a response from HUD on XX/XX/XXXX that stated they were sending a directive to Dovenmuehle telling them they are responsible for the mishandling of the escrow funds ( and the consultant ) and that they need to determine to next steps and to comply immediately. Ive not heard anything or been offered any assistance and resolution as of today from the bank regarding this directive. 

I should not be required to pay for the mishandled escrow funds by the bank in my mortgage to the tune of $ XXXX with interest over the life of my loan. This to me is just a ludicrous notion. The fact that they just tell me I will have to try and complete the house with the remaining funds is insulting and negligent on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I applied & then was approved for a Bank of America checking account online. On XX/XX/XXXX I went into a Bank of America branch to make my opening deposit. I deposited a cashiers check made out to me from another local bank for {$10000.00} And {$500.00} in cash. I was told There would be a seven day hold on my check at that time. I was fine with that. On XXXX I called the customer service number to obtain my account number so that I was able to gain online access to my account. They transferred me to the account closings department and said that they would be closing my account. I was told that the account would be closing on XX/XX/XXXX and at that time they would mail me a check. I wasnt happy with that so the agent Put in a request to be able to pick up my funds at a branch after the check cleared on XXXX. On XX/XX/XXXX, I again called customer service ( account closings dept ) only to be told that my last name on the account was not correct & they asked me if I went over by a different name. The last name that they had on the account was a last name that I had over six years ago. I dont understand how this happens when the account opening letter and my debit card that I received from Bank of America it was in my current last name but the account isnt? The agent was able to verify my identity through my phone number. I was told that my check had cleared & I was approved to be able to pick up my money from a branch. He also told me that I needed to take with me a document of my name change. I made an appointment at a branch for the next morning and after explaining everything and showing all the necessary documents I was told that the account was still in review and that they would mail me a check in my former last name to a former address. I told them that the review board approved my request to be able to pick up my money from a branch and was told they couldnt see that type of information? Furthermore, the cashiers check for {$10000.00} that was deposited was made out to me with my CURRENT last name & CURRENT address. I left there in tears & WITHOUT my money. I called Customer Service AGAIN and was told that yes, I was approved to be able to collect my money from a branch & that I should try another branch. This is ridiculous.

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 monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
According to the United States Code this company does not have the right to report this inaccurate account from XX/XX/2019 on my credit profile. 

I've had AMERASSIST AR SOLUTIONS harassing me and sending phone calls at all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I booked an XXXX stay for XXXX XXXX in XXXX, XXXX. The host lied about the services being provided at the XXXX. 
Specifically : 1 ) breakfast was listed as provided, and it was not. 
2 ) food essentials were listed as provided, and they were not.

3 ) the pool was supposed to be cleaned by professionals twice a week, and it was never cleaned during our 8-night stay.

4 ) housekeeping was supposed to change bathroom towels every other day, and they never did so. 
It is clear that the service was not accurately described, and we did not receive the service as agreed when making the reservation. 
The XXXX host provided defensive answers when we reached out to notify them of the issues ( e.g., " there is a washer in the unit, you can was the towels yourselves '' ). 
The merchant refused to issue a refund as we failed to notify them within 24 hours of our arrival at the property. 
Upon contacting Chase to dispute 25 % of the XXXX charge ( {$540.00} out of {$2100.00} XXXX, they refused to open a dispute as they claim to not be allowed to take money back from XXXX after a stay is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Asked credit acceptance with a goodwill letter cab they help with 2 late payments with me having a illness causing me to be late then later covid put me out of work. No reply to emails

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 2021-06-09 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: DISCOVER BANK
State: NY

Complaint narrative:
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2018 This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
Ive gotten multiple calls from XXXX ( XXXX XXXX XXXX looking for a XXXX XXXX. Ive told them multiple times that I am not her and please remove me. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: BMW Financial Services NA, LLC
State: AR

Complaint narrative:
XX/XX/XXXX I had an issue with BMW of XXXX XXXX, Arkansas due to service of my vehicle which two weeks to fix. I made a call to customer services about the lack of communications during the first week of my vehicle being serviced. They had issues with figuring out what the problem was but they had to drive the vehicle to troubleshoot it. I had to wait an additional week to get my vehicle back from the service department at BMW. Once I picked it up they charged me almost {$2000.00} for the repairs. I understand that having such an expensive car can lead to issues like that. But finding out I needed new breaks upon picking up my car by turning it on and the break lights on. I asked to the Manager of the services and he just said " Oh yeah, you need new breaks '' and walked away from the vehicle. After being treated so disrespectfully by the Manager I called BMW Financial and requested that they to come pick up the vehicle. 

The vehicle was picked up XX/XX/XXXX at my residence in Arkansas. I never received any of the following documents, repossession notice or Notice of intent to sell vehicle within the 15 days of the notice. The reason why these documents were never received by me was due to them being sent to the wrong address. I was in the XXXX XXXX and for some reason the documents were sent to my last duty station that moved to XXXX, XXXX. I retired in XXXX so I have no idea why the sent the documents there. But they had to right address to pick up the vehicle. 

I feel my rights were violated and I would like to know what I can do to fix this problem because it is causing my have issues with my credit since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NY

Complaint narrative:
Over the last two years I have disputed the validity of student loans and a car loan that was placed on my credit report fraudulently. The credit bureaus respond to my dispute stating the debt has been validated, but according to 15 USC 1681 ( a ) ( e ) upon investigation i the consumer along with my family, associates, and neighbors have to be interviewed and this interview never took place so how can the debt be verified. Also according to 15USC 1602 I am an administered agent my social security card belongs to the social security administration therefore I do not own the social security number nor any debt attached to it. According to 15USC 1681 ( b ) ( a ) ( 2 ) the credit bureaus need my written consent which I NEVER gave them to furnish a consumer report. According to 15 USC 1692 ( g ) the 5 requirements for validation were never fulfilled. These are numerous violations of the law being made by these bureaus that is impacting my quality of life egregiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: OR

Complaint narrative:
When I applied at XXXX they did a 10 year background check. 90 % of what came back is XXXX  belonging to someone else. This person used my name years when he got pulled over and now I am stuck with his background. It's keeping me from getting a driver 's license, and passing a background check. I am mortified. His name is XXXX XXXX. Please help. Any more questions please call me XXXX. Thank you! 

Sincerely, XXXX XXXX PS. I uploaded the background check near the bottom of this page. All if it is false except two XXXX from XXXX County. And one XXXX charge from nearly ten years ago. That's three total. The rest belongs to XXXX XXXX only.

Company response to consumer: Closed with non-monetary relief