vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct # XXXXXXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 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 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I received a notification of an ATM withdrawal for {$1000.00} from my Cash App card. This was a fraudulent transaction and I notified Cash App immediately so they could cancel the card. I submitted a dispute, however, after only 2 days I received an email saying my claim had been denied. The email ( attached ) said that I can request the documentation used to make the decision. The link just pointed to a page where you can chat with support. So, I requested the documentation used. However, every time I requested the documentation they only sent me a summary of the transaction ( attached ). 
I requested this multiple times over several days from the support chat. Today ( XX/XX/XXXX ) I tried call and when I finally reached a rep they assured me they would get the documentation. They send me the exact same document which listed only a summary of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
My wife and I are trying to recast our loan to reduce monthly payments. The recast amount is {$150000.00}. The lender, United Wholesale Mortgage, will not provide details on recasting our loan and we were told at closing that this process would take 10 days. We closed on the home on XX/XX/XXXX. We would like to wire the {$150000.00} to the lender to recast the loan amount and drop our monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 I filed a claim with Wells Fargo, detailing every transaction that was unauthorized. The total amount for the claim totaled {$3100.00}. 
I explained to re representative that I spoke to over the phone, while filing my claim that I left my wallet in a different city and did not have access to my card during the time of the transactions I reported. 

I called back after the claim was filed to verify the amount was correct on the claim and the XXXX phone representative informed me the claim was only filed for a little over {$1000.00}. I asked her to correct it and she said she was not able to do anything to help. 

I called a third time on XX/XX/2022 and the XXXX representative said they can help me fix the mistake the XXXX representative made while filing the claim. They started a new claim including all the unauthorized transactions. 

On XX/XX/2022 I was informed by Wells Fargo that my claim was denied. So I filed my first report on CFPB. On XX/XX/2022 I received an email from XXXXXXXX XXXX  XXXX Complaints Management office at Wells Fargo executive office acknowledging my CFPB complaint. I spoke to XXXX XXXX on the phone about Wells Fargos decision to deny my fraud claim and she advised me to take legal action against the person who used my card without authorization and take them to small claims court. 

I believe Wells Fargo isnt protecting my money I trusted them with in my account and they handled the claims process very poorly and had multiple errors on their end. I believe I wouldve been able to catch some of these unauthorized transactions sooner if it didnt take days after they money was taken out of my account for Wells Fargo to update my account online. The unauthorized transactions were out of pattern with my regular spending habits on this account and I didnt receive any calls from Wells Fargo calling to verify any of these fraudulent transactions.

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 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/15, I noticed that 5 Prepaid Mastercards managed by Blackhawk 's XXXX  had been fraudulent utilized without my consent. Some of the cards were completely drained, while others that a small balance remaining after the fraudulent transaction. I promptly reported the fraudulent transactions to Blackhawk, which in turn opened 5 dispute cases. As of XX/XX/15, 3 of the cases were closed in my favor and the money replenished. Of the 2 remaining cases, 1 was partially resolved in my favor- {$5.00} out of the {$45.00} were returned, and the last one for {$25.00} was declined. 

Blackhawk acknowledged there was a data breach in XXXX, even sent a letter advising of the same ; yet decided to deny the claims. Their response is that the merchant replied to the charge-back request. From the merchant 's perspective, the charge might have been legitimate, but the fact remains that it was done fraudulently due to Blackhawk 's inability to protect the card details. 

A class action lawsuit has even been filed XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I received emails that my card was approved, congratulating me, and that it will be mailed to me in up to 14 days. It also stated if I didnt recognize this activity to call them, which I did bc I had not applied. They had stated that someone had opened a credit card on board of a spirit airline with my information.

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 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I sent Mr. Copper a copy of my divorce decree requesting that my name be removed from the mortgage of the home he was awarded as part of our divorce settlement. It has been almost two years and they refuse to remove my name from the mortgage. This could impact my credit negatively is he decides to stop paying the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
to whom it may concern, pls help me to resolve the issue of refusing my request to stop pmi charge in my mortgage, despite of my mortgage XXXX is more than 80 %. 
the bethpage fedeal credit union kept continuing my pmi even though they cancelled in the first place and then resume again, despite of my continuous request. 
it is unfair to me that i am paying the pmi, despite of paying on time and over the amount that i am paying monthly plus advance payment in principal. 
kindly help me to solve this issue because that kept charging my bank account thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/2022 I have booked a hotel stay at XXXX XXXX in XXXX XXXX TX. 

I used my Apple Card to book it and the day before I checked in at XXXX XXXX, I got charged amounting {$190.00} from a hotel I dont recognized named XXXX  XXXX. I didnt disputed this anyway thinking this could be XXXX XXXX XXXX name. The next day when I check in at the XXXX XXXX I got finally charged for my stay, the merchant name that shows on my Apple Card is XXXX XXXX which is now correct. So, since the first charge is odd for me because the price is not right and I dont recall booking for this XXXX XXXX  I asked the receptionist if she recognized this charge and the merchant. She told me no and the only charge that she processed was the one named XXXX XXXX because thats where we check in. 

So since the receptionist doesnt recognized this charge and so do I. I disputed this to Apple Card Goldman Sachs because why would I pay for something I didnt purchase. Who knows if someone got my card information and book it. Anyway the first investigation result came up and based on the email/mail I got it tells me it is a valid charge and I had to pay for it and no other explanation. So since I am getting annoyed because they want me to pay something I didnt order I asked to reopened the dispute and have them investigate it one more time because its not me who made the purchase to XXXX XXXX. So they investigated again and based on their investigation and the packet they sent to me, it shows that the XXXX XXXX and XXXX XXXX I check in with is the same company and the charge I got from XXXX XXXX is part of XXXX XXXX. So I was like ok fine. They shouldve just told me that in the beginning so I know what is going on and Im not wondering how the heck I got charge for something I do not purchase. Moving onto that messed I paid everything on my account. I never missed payment and my payment history with Apple Card XXXX Goldman Sachs is perfect because I dont carry balance or pay late. 

I tried to reach out apple card and see if they can resolve this issue but I just want to report this just incase they dont end up fixing it or tells me it was my fault where it was truly their fault for not telling me everything on my first dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
The collection agency sent a letter for collection with interest. The debt is not mine. I tried speaking to the collection agency however they were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: KS

Complaint narrative:
Multiple letter sent to companies involved from XXXX until present day. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, XXXX XXXX and 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. 

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
Consumer complaint received 2022-11-15 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:
Experian has not removed any of the inquiries posted on my credit report. They are posting that I submitted for a loan this year which is false. 

Also there are collection accounts posted on my credit report thats are inaccurate and I would like them to be removed.

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had a XXXX Credit Card that was issued by XXXX XXXX XXXX but serviced by XXXX XXXX XXXX XXXX. My card did fall behind however I called them in XX/XX/2022 to make a payment to prevent charge off. I made a payment that day of XXXX on the phone and advised I will be paying this account in full before the next pay was due. I asked would the {$56.00} payment be enough to keep the account open and prevent chare off and I was advised yes. I called back a week later to set up the payoff of the balance and learned my account was charged off anyway and sold to XXXX XXXX XXXX XXXX. I tried to speak with someone at XXXX to tell the, this was an error but they refused to speak to me and stated I needed to call XXXX XXXX. So I called XXXX XXXX and set up the payment to pay the account off in full ( {$1000.00} ) on XX/XX/2022. XXXX XXXX only had my account for less than 10 days so they never reported to my credit. But XXXX reported the account as charged off. I filed a complaint with the XXXX  and this was the only time I got a response from XXXX. They stated they would pull the account back and remove the charge off in 30-60 days this was XX/XX/2022. On XX/XX/2022 XXXX has pulled the account back from XXXX XXXX and started the process of removing the charge off but only from XXXX. Then today XX/XX/2022 I was notified that the balance of {$1000.00} has reappeared on my credit. I called to find out why and XXXX stated they don't have the funds from XXXX XXXX although XXXX XXXX did confirm my pay off on XX/XX/2022. I asked XXXX to stop reporting this balance since it was paid to the company they sold it too and it is not my fault they is a break in their process to get the account back that they sold. The payment was made therefore I am no longer responsible for the balance yet they are still reporting as if I never paid the balance in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: GA

Complaint narrative:
transunion added a incorrect missed payment from XXXX XXXX to my report last month of XX/XX/2022, since then it was removed and added back for a different month XX/XX/2022. 


I will upload factual dispute with other docments to ensure im protected as a consumer under fcra law.

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 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Right Path Servicing had originally claimed I did not have property insurance on my home, I had repeatedly sent them proof of insurance. After receiving my proof of insurance and my filing of a complaint, Right Path servicing claimed I did not have XXXX XXXX insurance. XXXX XXXX is not a type of insurance as recognized by ANY insurer. I had filed another complaint and Right Path Servicing was to respond and clarify what, exactly, they meant by walls in. They did not. 
Apparently, Right Path Servicing has placed an HO-6 insurance policy on my property without affording me an opportunity to do so at a much cheaper rate. Right Path Servicing used deceptive slang in order to cloud the issue and afford them an opportunity to go with a non-proposed insurance policy at my expense. Right Path Servicing is now attempting to force payment by attaching this outrageous insurance fee to my monthly mortgage payment. 
If Right Path Servicing was requesting the placement of a HO-6 policy by me, they should have made this an obvious request and not proceeded deceptively. I am fully able to obtain a HO-6 insurance policy without such an outrageous fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: KS

Complaint narrative:
Multiple letter sent to companies involved from 2018 until present day. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX and 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.

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 2022-11-15 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: KS

Complaint narrative:
Multiple letter sent to companies involved from 2018 until present day. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Experian 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.

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 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MA

Complaint narrative:
I was the victim of fraud and disputed several transactions with Cash App on XX/XX/XXXX. I have tried on countless occasions to communicate with the support team. After I initiated the disputes and went through the investigations process, I was sent an email letting me know that the disputes were resolved in my favor but access to my cash app account was restricted/deleted and cash app kept the funds that were supposed to come back to me. 

On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

XX/XX/XXXX at XXXX XXXX - {$100.00} withdrawal. 

On XX/XX/XXXX I got email from support letting me know they resolved the disputes in my favor. Email : XXXX XXXX, Your Cash Card dispute claim ( s ) was resolved in your favor and is now complete. A credit has been applied to your Cash App balance and is ready to use. 

We appreciate your patience throughout the dispute process. 

Cash App Support ref XXXX XXXXXXXX : ref I responded to that email immediately letting them know I could not access the account and after many many emails and I was never able to gain re entry to my account and my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I did not authorize this credit inquiry into my credit report. They checked my credit to be able to send me information regarding buying homes. I did not authorize them to pull my credit. The name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation