vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
The dispute between East-West bank and I centered around one check # XXXX in the amount of {$2000.00} dated XX/XX/2019, for XXXX XXXX  mortgage payment. My Principal and interest payment at the time was {$1200.00}, I am responsible for my own taxes and insurance. East-West Bank rejected the payment ( see attached ) and claimed that XXXX XXXX  XXXX had committed fraud. East-West Bank had negotiated the check and I was able to provide a tracer to them, however, they still rejected the payment. Every month I make my mortgage payment due with an additional principal payment, I have never missed a month. In a letter from East-West Bank dated XX/XX/2019, they claimed I was in Default for 3 Payments, however, did not specify which months were due. There was also a late charge in the amount of {$2200.00} which seemed excessive considering I had never been late and always paid more than the Principal and Interest due. 
I requested several meetings with East West Bank and as a result of my requiring a XXXX  XXXX, East West Bank stated that it was my responsibility to hire a interpreter to attend the required meetings. Although, I did receive an email in XXXX  from XXXX XXXX an employee of East West Bank. The actions of East-West Bank have caused harm to me and my marriage, and the stress has been unbearable. I am attaching the proof that t all payments have been made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I am a victim of identity thief I contacted the proper authorities I was instructed to file a identity thief report with the federal trade commission a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report i discovered that there was several fraudulent accounts on my credit report I have contacted the creditors and furnished the creditors with the above stated documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Block, Inc.
State: NC

Complaint narrative:
Some Law Firm in NY claims to have a debt that I did not pay and a UCC lien on my Cash App they have blocked.

I have gone to the North Carolina Secretary of State site to check the business info that I had. My business was dissolved during the Pandemic and it closed. There is not such law firm that I ever did business with.

Below is the strange communication that I recieved in an email from Cash App. They are holding my money hostage for a debt that I do not owe and they will not send me any proof of the debt.

Hi Dr , We are writing to inform you that your Cash App account has been put on hold due to a UCC lien notice.

What does this mean for my Cash App account?

A creditor is enforcing a lien filed against your businesss receivables, which identifies you as a secured party. This lienholder is seeking repayment for a debt. They have taken action by sending notice of the lien to us, either directly or through a law firm or debt collection agency.

What happens next? 
Were obligated by law to place a hold on your Cash App account. This means that you wont be able to transfer any funds from your balance. All funds will be held in your Cash App balance until we receive one of the following : 1. A release agreement from the lienholder directing us to lift the hold on the account.

2. A court order or other documentation that authorizes us to release the hold on the account.

What do I do to resolve this?

UCC liens must be resolved between you and the lienholder. You may be able to work out a solution by contacting them directly. If you reach an agreement, the lienholder will need to send a copy of the release agreement directed to us instructing us to lift the hold on the account.

Heres the contact information we were given about the lienholder : Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, New York XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Sincerely, XXXXXXXX XXXX XXXX Please note that on XX/XX/2021, Square , Inc. changed its name to Block , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am see on my credit reports that Syncb/Walmart is reporting the account open and a late payment after speaking with the office of the president I tried to contact synchrony bank and keep getting hung up on I've tried reaching back out to the agent who works in the office of the president department and have not been contacted back

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 2022-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC

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 2022-06-23 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: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
On XX/XX/XXXX, I filled out a dispute with Ally Bank for {$280.00}, since I hadn't spent the money. I submitted proof from the merchant that my account was not responsible for the transactions, but they found against me in the dispute anyway. I asked to see their proof that I was responsible for the spending, since cursory XXXX  has told me that someone pretending to be XXXX and pulling cash out of your account is not an uncommon scam. On XX/XX/XXXX I requested a copy of their " proof '', and still have not received it.

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 2022-06-23 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: OK

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account : XXXX Balance on XX/XX/XXXX {$1800.00} Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting acengy can not furnish an account without my written instructions.

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 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Paramount recovery systems is in violation of 15 usc 1692 et seq after violating my consumer rights and posting debt to my expieran report without first notifying me. I found out by XXXX XXXX XXXX XXXX XXXX that on Thursday XX/XX/XXXX two accounts were posted on my experience report further damaging and injuring my consumer character. The accounts was flagged on XX/XX/XXXX but not reported until the XXXX without acknowledgment from me the consumer. I can attest I have never heard from this company nor ever known about this company. I have never had a contract nor made a transaction or received any goods or services from this company. This debt has not been validated and I do not know why PARAMOUNT RECOVERY SERVICES is attempting to use my information to extort me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Starting from XX/XX/2022, transactions were made without my consent and authorization on my Bank of America checking account. These transactions occurred through XXXX, XXXX, and Bank Transfer. I filed a fraud claim to Bank of America on XX/XX/2022, once I was made aware of the transactions. The following will be a list of transactions made without my authorization as well as some deposits : - Date : XX/XX/2022, Withdrawal : {$120.00} Transaction Type : XXXX Transferred to : XXXX, XXXX. 
XXXX Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$290.00} Transaction Type : XXXX Transferred to : XXXX XXXX Transfer Confirmation Number : XXXX Additional Information : Says " XXXX '', It should also be noted that I do not have an XXXX account - Date : XX/XX/2022 Deposit : {$990.00} Transaction Type : Online Banking Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$990.00} Transaction Type : XXXX XXXX XXXX Transferred to : Unknown Confirmation number : includes the numbers XXXX and ends in XXXX - Date : XX/XX/2022 Deposit : {$650.00} Transaction Type : Online Banking Transaction Confirmation Number : XXXX - Date : XX/XX/2022 Amount Taken : {$600.00} Transaction Type : XXXX XXXXXXXX XXXX  Transferred to : Unknown Confirmation number : includes the numbers XXXX and end in XXXX - Date : XX/XX/2022 Deposit : {$1500.00} Transaction Type : Online Banking Transfer Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$800.00} Transaction Type : XXXX Transferred XXXX : XXXX XXXX Confirmation Number : XXXX - Date : XX/XX/2022 Withdrawal : {$690.00} Transaction Type : XXXX Transferred XXXX : XXXX XXXX Confirmation Number : XXXX I called the Bank of America Fraud department and filed a claim. The claim number is XXXX. The fraud department claimed they would take up to 10 days or more to decide the status of the claim. Unfortunately, they denied my fraud claim. They have not provided me with documentation as to why they denied my claim. I will be filing a police report against the fraud in the next coming days and will attempt to appeal through the bank as well. 

A second claim was put in to address unauthorized transactions done on XXXX, I was given a claim number ( XXXX XXXX ) but am not able to access any record on the banking website nor have received any communication about the claim since it was made ( On 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 monetary relief
Consumer complaint received 2022-06-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Disputes : XX/XX/2022 Case Number : XXXX Case number created by XXXX and his Supervisor ID XXXX / XXXX Spoke with several managers and supervisors they are still seeing issues on my login and under E-Verify USCIS I'm unable to verify myself online due to Equifax. I already spoke with E-Verify USCIS informed them about it. 

I tried sending several emails and starting from XX/XX/XXXX up to present date but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TX

Complaint narrative:
In accordance with the fair credit reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction.

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 2022-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have requested a credit line increase 12 times since 2021 and a lot more times before that. I have called and asked and they say I need to talk to credit analyst because they go through a third party to approve or reject credit increases. I have solved issues that they have given me for reason of being rejected such has not using my account enough. I have used over 100 % of my limit by paying it off early. Then they give me other reasons why I am being rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: FL

Complaint narrative:
department of education in accordance with the fair credit reporting act XXXX  acct # XXXX # XXXX # XXXX I have the right to privacy 15 u.s.c 1691 section 604 section 2 states a consumer can not furnish an account without my written instructions rights under 15 USC 1681 15b us code 1679c # 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 explanation
Consumer complaint received 2022-06-23 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: TX

Complaint narrative:
Equifax report a collections account " XXXX XXXX XXXX ''. I have no knowledge of this account. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report has so much false information on it and when I checked all three bureaus all the information across the board is inaccurate. I need this to be resolved immediately. I called multiple times to resolve the issue and I sent in a ton of dispute letters. I also asked them to send me proof of some of these accounts and they have yet to do do. Please get these negative items removed immediately. Not to mention when they do remove some of these items and correct the problem, they add them back on under a different account number and I am tired of this. I know somewhere this is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
From my checking account at Bank of America unauthorized transfers were made as follows : Date Amount XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Total XXXX i contacted Bank of America on XX/XX/2022, and they told me that in nine days they will give a resolution, and a credit will be placed in my account. Nine days passed, and I did not receive a notification or a credit into my account. 

I contacted them again several times, and all they said was that the investigation was concluded, and that all the transactions were made from my phone or my computer. They have not provided any documentation on their investigation, or any reasoning as to why they have denied my claim. 


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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 2022-06-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief