vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
XXXX  credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. XXXX  CONTINUES TO  REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX  as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX  is lowering my score with each credit dispute. 
XXXX XXXX - Date of Inquiries : XX/XX/XXXX XXXX XXXX- Date of Inquiries : XX/XX/XXXX XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
A PERSON RENTING A ROOM FROM ME PAID RENT ON XX/XX/20 FOR {$500.00} AND TWO DAYS LATER SHE PAID {$50.00} TWO TIMES FOR A TOTAL OF {$600.00} FOR THE MONTH OF XXXX ON THE XXXX OF XXXX WHILE I WAS AT THE BANK MAKEING A WITHDRAW A TEXT CAME THRU SAYING THAT MY ACCOUNT WAS BEING DEBTED FOR {$500.00} REFUNDING TO RENTER CASH APP TOOK {$500.00} FROM MY XXXX PAYMENT THAT WAS DEPOSITED THAT DAY CASH APP CLAIMS THE PERSON DISPUTED THIS WITH THEIR BANK AND CASH APP IS REFUNDING THEIR MONEY CASH APP PROVIEDS NO INFO AS THE THE NAME OF THE BANK AND THE REASON THEY DISPUTED THIS ALLOWS PEOPLE TO SCAM CONSUMERS CAUSING HARM TO THE PUBLIC A PERSON CAN RENT BUY OR HAVE SERVICES PAY FOR IT THEN LIE TO THEIR BANK AND SAY ITS FRAUD AND GET THE MONEY BACK WITH THE CO NSUMER BEING SCAMED AND CASH APP TELLS YOU TO DEAL WITH THE SENDER THE SENDER IS BEING EVICTED SHE CLAIMS CASH APP ACCOUNT IS HERS BUT GIRLFRIEND HAS HER EMAIL ON IT AND THE BANK CARD BELONGS TO SOMEONE ELSE SO ALL THEY HAVE TO DO IS DISPUTE THE RENT PAYMENT FOR {$600.00} FOR XXXX AND CASH APP JUST LIKE THAT WILL TAKE THE MONEY FROM ME CAUSING MY ACCOUT TO BE NEGATIVE THIS IS A UNFAIR AND DECEPTIVE ACT BEING ENABLED BY CASH APP HOW MANY PEOPLE HAS THIS HAPPENED TOTHIS IS CAUSING HARM TO CONSUMERS AND THE PUBLIC EVERYWHERE CASH APP HAS RECOMENDED I SEEK LEGAL ADVICE OUTSIDE CASH APP SOUND LIKE SOMEONE NEEDS TO LOOK AT CASH APP THEY ARE ALLOWING FRAUD NOT INVESTAGATING MY CLAIMS JUST THREAING ME WITH EXCESSIVE DISPUTES WILL CLOSE MY ACCOUNT, ,I 'VE BEED SCAMED A FALSE DISPUTE FILED AGAINST ME AND YOU TREATEN ME ADVISING ME TO DEAL WITH THE SENDER, PEOPLE THAT YOU RECIEVE CASH APP FROM MAY NO BE FRIEND OR FAMILY SO HOW CAN A COMPANY TELL YOU TO DEAL WITH THE PERSON THAT USED CASH APP TO SCAM ME TO RESOLVE ANY ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There was companies that are reporting on my credit report that do not belong there. 
I am a victim of identity theft.

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 2020-10-19 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: IL

Complaint narrative:
There was companies that are reporting on my credit report that do not belong there. 
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email from Credit Karma saying I was invited to see what I would pre-qualify for regarding a consolidation loan. It said it would not affect my credit score and it was just a prequalification. Instead it send it to a bunch of lenders who altered me down, which I expected, which is why I never would have lied in the first place, and now each one of those is hitting my credit report. They have managed to have at least XXXX to XXXX Companies I never applied for deny me loans I never asked for. I never gave out my personal information but I guess credit karma already had it and use that to send the loan lenders. I want the inquiries take it off my credit report and I wont credit karma says stop Bait and switch people. It is obviously clear from their marketing that they want to miss lead people. I screenshot it everything that I receive so that you can see how misleading it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This letter was sent to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$19000.00}. This account is past the statue of limitation for the state of Florida. This account has also been re-aged, and it is illegal to re-age any account. The date last active for XXXX is XXXX XX/XX/XXXX, XXXX   is XXXX XX/XX/XXXX ( currently listed as XX/XX/XXXX ), and XXXX  shows XXXX XX/XX/XXXX. It is illegal to re-age an account. This account has been re-aged. Delete this account immediately. 

This letter was sent to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department on XXXX XX/XX/XXXX. The dated last active for XXXX  is XXXX XX/XX/XXXX, XXXX  is XXXX XX/XX/XXXX, and XXXX show XXXX XX/XX/XXXX. XXXX  shows this account payment history with a paid as agreed status in XX/XX/XXXX and it was placed in a charge-off status in XX/XX/XXXX by XXXX, this is a conflict. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2020-10-19 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
SOMEONE STOLE MY PERSOANL INFORMATION AND OPENED THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2013 AMT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have checking, saving and investment accounts with XXXX XXXX. I have submitted request to online fund transfer. Their system is keep rejecting my request. When I called them, their staff is not in a positing to find out reason behind that. 
They keep saying that their system is slow. Then they provided me excuse that you have submitted request to change my name. This is also not true. Their system picked up wrong initials of mine and I asked them to change it immediately after opening an account about 6 months back. 
While talking to Customer representative named XXXX, he refused to share any kind of Unique ID or ready to provide me Supervisors name. This was height of shamelessness. 
I feel being kept as hostage as I have to be on the phone with them for prolonged duration and do not get resolution of the same. DOES CFPB restricting banks to share information of representatives so consumers can have traceability? 
This is a classic example of uncontrollable Financial Giants. 
Appreciate your help and quick actions are requested to be taken against bank and their system.

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 2020-10-19 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: TX

Complaint narrative:
I have been having so many issues in regards to my identity being stolen. I spoke with XXXX, equifax, and XXXX  and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter was sent to TransUnion Consumer Solutions, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$19000.00}. This account is past the statue of limitation for the state of Florida. This account has also been re-aged, and it is illegal to re-age any account. The date last active for TransUnion is XXXX XX/XX/XXXX, XXXX   is XXXX XX/XX/XXXX ( currently listed as XX/XX/XXXX ), and XXXX  shows XXXX XX/XX/XXXX. It is illegal to re-age an account. This account has been re-aged. Delete this account immediately. 

This letter was sent to TransUnion Consumer Solutions, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department on XXXX XX/XX/XXXX. The dated last active for TransUnion is XXXX XX/XX/XXXX, XXXX is XXXX XX/XX/XXXX, and XXXX  show XXXX XX/XX/XXXX. XXXX  shows this account payment history with a paid as agreed status in XX/XX/XXXX and it was placed in a charge-off status in XX/XX/XXXX by XXXX, this is a conflict. Delete this account immediately.

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 2020-10-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter was sent to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$19000.00}. This account is past the statue of limitation for the state of Florida. This account has also been re-aged, and it is illegal to re-age any account. The date last active for XXXX  is XXXX XX/XX/XXXX, XXXX   is XXXX XX/XX/XXXX ( currently listed as XX/XX/XXXX ), and Equifax shows XXXX XX/XX/XXXX. It is illegal to re-age an account. This account has been re-aged. Delete this account immediately. 

This letter was sent to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department on XXXX XX/XX/XXXX. The dated last active for XXXX  is XXXX XX/XX/XXXX, XXXX  is XXXX XX/XX/XXXX, and Equifax show XXXX XX/XX/XXXX. Equifax shows this account payment history with a paid as agreed status in XX/XX/XXXX and it was placed in a charge-off status in XX/XX/XXXX by XXXX, this is a conflict. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: FL

Complaint narrative:
This letter was sent to XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$19000.00}. This account is past the statue of limitation for the state of Florida. This account has also been re-aged, and it is illegal to re-age any account. The date last active for XXXX is XXXX XX/XX/XXXX, Experian is XXXX XX/XX/XXXX ( currently listed as XX/XX/XXXX ), and XXXX  shows XXXX XX/XX/XXXX. It is illegal to re-age an account. This account has been re-aged. Delete this account immediately. 

This letter was sent to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department on XXXX XX/XX/XXXX. The dated last active for XXXX  is XXXX XX/XX/XXXX, Experian is XXXX XX/XX/XXXX, and XXXX show XXXX XX/XX/XXXX. XXXX  shows this account payment history with a paid as agreed status in XX/XX/XXXX and it was placed in a charge-off status in XX/XX/XXXX by Experian, this is a conflict. Delete this account immediately.

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 2020-10-19 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: IN

Complaint narrative:
ACCOUNT : XXXX XXXX was granted a judgement against me. 

Status and information is incorrect. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. 

I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: FL

Complaint narrative:
The following account ( XXXX XXXX XXXX ) belongs to someone with the same or similar name. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
As result of COVID-19 I went into a Forbearance Plan. I am now in a position to start paying my mortgage. I have reached out to US Bank and I advised that I am ready to go back on payment schedule. I have been told on multiple occasions and it had been fully documented that my monthly payment was to be be {$3300.00} however they keep sending my paperwork advising me that the payment should be {$3400.00} which is incorrect. They keep telling me it is because of an escrow shortage however I paid the escrow shortage in XXXX of 2020 yet the continue to send me the incorrect documentation.US Bank has not acted in good faith they have given me the run around and they continue to do so. When I spoke to XXXX XXXX at US Bank he had advised me that they received my escrow check they cashed

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 2020-10-19 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: Colony Brands, Inc.
State: PA

Complaint narrative:
Agreement for pay to delete account was not honored after payment was made to Ginnys agent continue to make statements on my credit report 2 twice each month of derogatory

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I signed up for a Basic Firearm class on XX/XX/XXXX at XXXX with XXXX XXXX however, I was not able to get off work on time and called them to reschedule the class. When I called their number, it went to voicemail and they said to text the number they provided. I went ahead and texted the number and told them that I was not able to make the class on time and that I was wanting to reschedule for another time. They texted back and said I needed to pay the remaining balance before I could reschedule. I went ahead and paid the remaining balance and asked them how could I reschedule. After I paid the remaining balance, they stopped communicating back to me even after three days. At that time I called Navy Federal Credit Union to dispute the amount since the merchant ( XXXX XXXX ) failed to render services, was not communicating back to me, or confirmed a new date. NFCU issued a temporary credit for the {$140.00} until they investigated the issue. I provided them text messages proving that I had done all I could to remain in contact with XXXX XXXX but they were simply not getting back to me once they received their money. After their investigation, NFCU sided with XXXX XXXX claiming that they were willing to render services. I requested a copy of the document that XXXX XXXX provided to NFCU and found that they said I failed to show up to the rescheduled class. They never confirmed a new class date, sent me a link, or communicated any of that to me so I had no knowledge that they rescheduled me. XXXX XXXX is about a 40 min drive from me and with Covid restrictions, I was not in any position to make the drive and risk being turned away. XXXX XXXX also stated in the document they provided to NFCU that they sent me a link to a video however, I did not receive any link and partial service was not rendered. They provided fraudulent paperwork to NFCU and even though I tried explaining this to NFCU they still removed the credit from my account claiming that XXXX XXXX was willing to render services. These were all lies and NFCU should have done a better job at investigating. Not only was this fraudulent but also unethical from NFCU. I request that they be investigated and that the evidence regarding my claim be re-evaluated by another party. 

Should you need additional information please feel free to contact me via email at XXXX or via phone at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MSW Capital, LLC
State: IN

Complaint narrative:
My husband and I are in the process of buying a house, we were told by the lender that I have a judgement against me that needs to be taken care of before we could proceed. I was initially informed about this debt on XX/XX/XXXX by my lender. Through a little digging, we found out that XXXX XXXX XXXX filed a case against me for debt collection. When I called XXXX on XX/XX/XXXX, I asked what the debt was for and was told that it was for medication that was ordered and the amount owed, according to their records was {$2000.00}. My husband nor I are on any type of medication and relayed that information to the man who answered the phone. He then hung up on me, I called back 3 more times, only to be hung up on every time. I tried calling on XX/XX/XXXX to see if I could speak to someone who could help me, and each time I called, the rep hung up on me. 
I then contacted the local court in XXXX, IN and went in to find out what exactly was against me. I was told that there was a judgement, case # : XXXX filed in XXXX IN courts filed on XX/XX/XXXX in the amount of {$2000.00}. I tried contacting the attorney that the clerks office told me to contact, XXXX XXXX XXXX phone # : ( XXXX ) XXXX, and was told they have no case against me. I then asked what I was supposed to do, and was told that it needed to be handled through the court system. 
On XX/XX/XXXX I went back to the clerks office in XXXX IN again, the attorney on record was XXXX XXXX, phone # : ( XXXX ) XXXX which directs me to XXXX XXXX XXXX. I called and spoke to a secretary ( I believe her name was XXXX ) and was told that they have no record of my case and that the attorney 's office does not handle cases of that nature. I asked if I could possibly get something in writing because we were trying to close on a house, and was told that her attorney 's will not allow them to send out letters of that nature because it is considered " misinformation ''. I asked if she could speak to one of them because if I could not get this removed, it means we will not be able to acquire a loan. She explained that there was nothing that she could do for me. 
I contacted the XXXX XXXX office by phone XXXX XXXX XXXX XXXX on XX/XX/XXXX to see about appearing before a judge to have this information removed from my record. I was told that I could come in and file paperwork, but the soonest that I could get in would be late XXXX or early XXXX. 
I do not know what this debt is for, and am willing to pay it if I am liable for it, but can not find anyone who can give me any information. The XXXX XXXX office said that the records show I was served papers several time, but I never received anything regarding any debt owed. We are about to lose this house and do not know what to do from here.

Company response to consumer: Closed with explanation