vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I opened up a cash app account a couple months ago, I was a victim of id theft and my phone was stolen, I managed to get a new phone via insurance, once I lost my phone I noticed that there were charges on my cash app card. I disputed the charge through cash and my claim was denied. I filed an FTC report and sent it in to cash app with my new dispute and my claim was denied again. cash app sent me what they used to determine where or not my claim was true fraud. the only thing they sent me was a receipt from the unauthorzed charge. which doesn't show how cash app investigated the claim. I need my money back from the XXXX  charge as i need to pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Refer to case number- XXXX. I submitted a claim to Transunion fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX Bank. This item has not been removed despite my demand. It is XXXX reponsibility to report fair and accurate information and you have failed. Because of this inaccuracy, I have suffered from XXXX and XXXX XXXX XXXX as well as it has destoyed my reputation. Please remove these accounts from my credit report or I will have to proceed with further litigations.

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 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
For the second time in a month, Citibank has removed my access to manage my accounts with them. I am an over-the-road truck driver, I manage all my accounts online and therefore do not have checks for my personal bank accounts. As I work hard to manage all my accounts, I noticed right away when they shut down my access again, and contacted them immediately. They claim that there are no restrictions on my accounts, and basically told me the problem doesn't exist. Today is XX/XX/2022, my payment for my Citi XXXX XXXX card is due on XX/XX/2022, I have no way to make this payment. I was able to elicit a response from Citi 's " XXXX response team '', who also told me the problem doesn't exist, and has subsequently ignored all of my attempts to communicate with them to resolve this problem. 

The last time this happened, they claimed it was because XXXX ported my wireless phone number from XXXX to XXXX ... and that somehow added up to them restricting my access to my accounts with Citi. I have verified all of my personal information with Citi over and over and over and over and over and over and over and over and over and over. All I'm trying to do is PAY THEM BACK THE MONEY THAT I OWE THEM. By continually ignoring this issue, they are effectively refusing my payment. The first time they put a blemish on my perfect credit, you will be getting another complaint for that. 

Until this issue is resolved, I will be making my payments into ESCROW. Any fees they charge me will be added to the lawsuit. 

Citi- don't bother responding to this complaint ... because I no longer care to hear your BS. Save it for court.

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 2022-09-04 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: KS

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX ( XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states that a consumer agency can not furnish a written statement without my instruction. 

15 USC 1666B : A creditor may not treat a payment On a car loan Account under an open end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX ( XXXX XXXX  ) has violated my rights. 

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states that a consumer agency can not furnish a written statement without my instruction. 

15 USC 1666B : A creditor may not treat a payment On a car loan Account under an open end consumer credit plan for any purpose.

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 2022-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
They have recently placed a collection on my credit report for XXXX and I have no idea what this is about

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 2022-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 my loan transferred from GreatLakes to Nelnet as the new servicer. Upon transfer they wouldnt set up my account on time to make my XXXX payment on time. When they finally got the information transferred they had the initial total correct as {$20000.00}. After XXXX and XXXX payments I should have a total of {$19000.00} remaining balance upon transfer at Nelnet. My total however is {$19000.00}. I think this is going to continue to happen as its hard to get things fixed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
Company reported incorrect information to employer and got me fired. After disputing this they have told the CFPB they finished their investigation and corrected my report over a month ago. They've indicated the employer had been informed and that they mailed me a copy. As of today, at XXXX, employer has NOT received a corrected report and I have NOT received a copy of this through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I lived in an apartment community in XXXX XXXX for over several years but I had to move out due to my health as I am XXXX and unable to work anymore. They keep telling all 3 credit bureaus that I owe {$1000.00} in which I do not owe. I went down to tell the apartment manager before the rent was ever due that I could no longer stay there because I faced eviction if I stayed. I was only getting around {$700.00} a month through SSDI at the time and the rent was {$650.00} plus utilities. I decided to go down and face the manager head on with my problem. I did not want to wait to tell her that I was no longer working at the XXXX there in XXXXAs you can see from above I would not have been able to stay in this apartment. I did apply for housing assistance but there was like a 3 year wait list already waiting. I moved in with my daughter which I did not want to intrude on her but had no where else to turn or stay at the moment. When I moved out, I took my keys to the manager and they insected the apartment for damage and found none. They just told me to make sure the appliances were clean as they were going to remodel this apartment anyway. They would tear these apartments down to the bare stud walls and start over. I know, I witnessed this as others had moved out. They also kept my {$350.00} deposit that I gave them when I moved out. No worries there as I was sure they would do this. Now this has been turned over to a collection agency in fact all 3 for {$1000.00} that I do not owe. I did what they asked of me. This is discrimination of my XXXX as well I feel. I can not help what happened to me. To be fair I wished I was still in my apartment and working at the XXXX Best job I have ever had in so many ways. When I tried to contact the Collection bureau they are nasty people and told me that they can not talk to me and that my XXXX is no worry for them. Hateful people and what they said I can not put into this letter. It is awful. I want this erroneous info removed immediately as it is keeping me XXXX No collection agency has a right to treat people this way. Do not rent from XXXX XXXX XXXX Apts. This is terrible I need a place to live. I have disputed this info several times to all 3 credit bureaus as it is wrong and keeping me homeless. To no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
This is continuation of the pending complaint, just to clarify further what I am looking in addition to what I described in my complaint with respect to endorsements and assignments, here are four specific things : 1. I would like to know the possession of original HELOC Note and its whereabouts as to who holds it. Is it in standalone form or part of mortgage back securities ( XXXX ) when Countrywide bundled loans and sold those XXXX? 

2. I would like to know a certified copy of its endorsement when Bank of America acquired Countrywide i.e. in what form Countrywide endorsed the HELOC Note to Bank of America? 

3. I would also like to know certified copy of its endorsement when Bank of America sold the note to another bank. My record shows that BOA had the note up until XXXX and sold the HELOC to XXXX XXXX XXXX XXXX XXXX ( XXXX ) sometime in XXXX. 

4. Can Bank of America provide a printout of chain of assignments in MERS system from countrywide to BOA and from BOA to XXXX as to what these dates these assignments took place. These assignments are not recorded in XXXX XXXX recorders office. MERS informed me that I need to get the assignment information from servicer so up until XX/XX/XXXX BOA was owner and servicer of this HELOC. 

thank you 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 non-monetary relief
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: PA

Complaint narrative:
My medical debt from XX/XX/XXXX was acquired by another agency who is misrepresenting the date of the debt. It had been removed from my report in XX/XX/XXXX, because it's a NJ debt, but reappeared on my report by the new agency. They had the date of service as of XX/XX/XXXX, instead of the original date. I filed a dispute with XXXX, but the outcome was that the debt was listed as XX/XX/XXXX, the date they obtained the debt, once again not the original date. Since the debt is 6 years old, this company should not be able to post this once again on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: PA

Complaint narrative:
TransUnion did not investigate inaccurate account. 
Under the FCRA TransUnion must do a full investigation and remove unverified accounts. 

Unverified account : US DEPARTMENT OF EDUCATION

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 2022-09-04 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
INFORMATION FOR DISCOVER CARD On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX  using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX bank XXXX XXXX ( Bill of sell, Crook 1, Crook 2 ). 

From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was Discovery card but now with these court Documents I believe it was the two crooks 1 and 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Someone opened an online account under my checking account added their name to mine on my account. XX/XX/2022 {$34000.00} The Bank called me and asked if I opened another bank account online, I said no. 
XX/XX/2022 Person transferred to another account transferring to their account {$34000.00} in their name only and took all my money. 
My account is showing - {$34000.00}. All done on XX/XX/2022 I went to Branch, and they put a credit only on account that it happened to and I had to open a new account I went to Police Dept and filled out a report I filled out the affadavit the Bank sent me with license, SS card and passport and was told I would have the money back in XXXX days. Every day I call I get a different response. 
The latest response was that there is a lot of claims and backlog. It will take longer. I am buying a house and this is ridiculous I need to verify funds for mortgage closing and this is holding me up.

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 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I opened an account through XXXX 's website with American Express. I was promised a {$400.00} statement credit after 2-3 months and with a XXXX XXXX XXXX I did all this. I never received a statement credit. I had to call 5 times over 3-4 months before I was finally told I wasn't eligible because I had a prior acct with them. This account was years ago and I never made any purchases because AmEx couldn't get me the info to make the qualifying purchase ( a XXXX flight ) in time and thus I immediately closed it. Never made a purchase or received an award. So, I basically twice missed out on getting the advertised/promised reward. AmEx says I was told in the application process online that I was ineligible but I was not. I would never have opened the account. Additionally, if that was so obvious, why did no one tell me that on the first 3-4 phone calls. These practices are deceptive and designed to confuse consumers and keep them on the hook with their accounts open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: NJ

Complaint narrative:
I recently sent a dispute to this agency and their investigation stated that these accounts are accurate. I have provided proof to show an accuracy reporting also under 15 USC 1681 604 A section 2 states no consumer reporting agency shall furnish a account without book assumer written instructions I did not give this consumer reporting agency written instructions I am requesting that you show my written instructions on file to furnish these accounts 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 2022-09-04 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: NJ

Complaint narrative:
I recently sent a dispute to this agency and their investigation stated that these accounts are accurate. I have provided proof to show an accuracy reporting also under 15 USC 1681 604 A section 2 states no consumer reporting agency shall furnish a account without book assumer written instructions I did not give this consumer reporting agency written instructions I am requesting that you show my written instructions on file to furnish these accounts XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX and Experian are reporting an account that is in litigation. XXXX XXXX XXXX XXXX is in litigation.

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 2022-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I signed up for a XXXX Discount Tire Synchrony Car Care card after being told that it was the same thing as a XXXX card and would be accepted anywhere that XXXX cards were accepted. After multiple attempts to use the card in different locations they were all declined. The store managers at XXXX Discount tire at the following locations are specifically instructed to tell the customer that the card is accepted anywhere that discover cards are accepted. I know this because I was a manager there and was told this. When I asked for more information regarding this the Regional managers would reply with a script about not questioning things because we are proving help to the customer that can't pay. This happens in two specific locations and one manager would go as far as saying it would not affect the customers credit scores in anyway just to get the bonuses that were given for most sign ups of the card. The store is located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX and the manager that haas now moved up because of his lying to the consumer is named XXXX XXXX who is now at the location XXXX XXXX XXXX XXXX, XXXX, NJ 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 2022-09-04 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My wife was hospitalized for 7 months and couldnt help my son with school homework. 

I decided to look for a place that could help my son with his school homework. XXXX XXXX promised includes ( brochures and advertising ) that my son in 6 months would be the best student at School. 

I told them about my son XXXX and the XXXX XXXX promised to have everything my son needed son needs My son spent 2 hours inside this place doing nothing and alone because this place They dont have teacher enough and hiring students without teachers certificate. 
I have messages talking about my son incomplete homework or wrong homework with my son School teachers notes. 

I have photos and messages exchanged with the owner of this XXXX XXXX about my son situation with this place. 

Everything XXXX XXXX promised did not happen.This school has been sending invoices for months and my son has not been there for months. 

My son School right now helping him with a special needs program approved by XXXX XXXX XXXX. The XXXX XXXX didnt inform us about special School program and taking our money. 

The first month We received a debt XXXX XXXX dollars without the service and my son still not use and they are charging every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX shows that someone opened an XXXX card w/o my knowledge it has a balance of {$29000.00}. Again NOT ME! The info XXXX had was card number needed in XXXX, the date opened and the balance. They also had a member # XXXX. I tried several times w/ XXXX but they could not find any information on this issues. There is 2nd card applied and used w/o my knowledge. Date opened XXXX, XXXX, XXXX. Balance of {$510.00}. Card ending in XXXX. Again XXXX had no record but XXXX did? I was told to go this route. Both have opened investigations opened. Lastly there are 3 other credit requests performed w/o my knowledge, that XXXX shows on their side. They are as follows : XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX. XXXX XXXX XXXX Bank ) on XX/XX/XXXX. XXXX. XXXX Bank ( XXXX ) XX/XX/XXXX. Someone obviously has my info. I have set up security lock w/ XXXX but now need to clean all this mess up. XXXX

Company response to consumer: Closed with non-monetary relief