vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SG and Associates
State: SC

Complaint narrative:
I got a call from a debt collector a person named XXXX from XXXX something their phone number is XXXX. She left a voicemail saying she was calling about a debt for XXXX XXXX. That person is not me and I have already called and told this company not to call me. That person is my ex husbands brother. I do not want to be called. When I called back the person on the phone was very nasty with me. I told her she is not allowed by law to leave a voicemail about someone elses debt on my phone and she told me I dont know the law. Someone needs to shut this company down they are rude and probably a scammer bc they do not seem very professional.

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 2023-05-08 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: IL

Complaint narrative:
In late XXXX I used my CashApp card to complete a transaction on XXXX XXXX XXXX website. The transaction was completed and CashApp deducted the funds for said transaction. However, they experience a technical error and they return the funds back to my account. I did not receive any notifications saying that any money was added into my account. Furthermore, I did not receive any notifications saying that the technical error happened or that the balance needed to be settled. 

Over 30 days later CashApp decided to now take the funds back out of my account to settle the balance. When Cashapp decided to deduct funds from my account to settle a technical error that they had it put me in a financial hardship. When I initially purchased the chairs, I had more than enough money to cover said chairs. Unfortunately, at this time I do not. 

It is to my understanding that the transaction was complete, and no further action needed to take place. The money was taken out, put back in, and then taken out again. I have made several calls to cash apps customer service where i was hung up on i had their scripted rebuttals recited back to me, and there was no regard for the financial hardship they created or the emotional distress that occurred. I also went as far as to request to speak with a supervisor, and i was told that they do not have any supervisors that are available to speak over the phone they can only communicate via e-mail. I was then contacted by a supervisor close to their closing time. Furthermore the communications that I did have with their supervisor just reiterated a timeline that I was already made aware of. No concessions were made, I had even gone as far as to request a partial reimbursement because the technical error did not occur on my account. 

Specifically speaking, an authorization charge that took place XX/XX/XXXX at the cost of {$640.00}. As of XX/XX/XXXX or XX/XX/XXXX the authorization charge was dropped and there was an update oh a XXXX XXXX charge for {$620.00}. After the charges were updated I am assuming that that is when the additional funds were added into my account, which again i was not privy to know where or when any type of funds were added because there was no notifications, there were no communications about such activity. now as of XX/XX/XXXX, cash app has decided to deduct money for a transaction that occurred over a month ago. I am frustrated because i do not have extra funding to cover their technical error. Furthermore that money was intended for my special needs son child care

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I asked the credit bureaus to do an investigation on my credit report to make sure everything was true and accurate. I received their results back and they were verified as accurate. There is no way they can be accurate when each credit bureau is reporting something different. There are many inaccuracies on my credit report from all three credit bureaus. These are violations of the FCRA. I have included my credit report before I sent the letters and my credit report after the investigation to show all the violations circled.

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 2023-05-08 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX 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 have 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

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 2023-05-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts 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 have 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
The mortgage company didn't provide a legitimate consideration or accounting request. A mortgage contract requires both parties signatures they never signed with a wet signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
so this issue has been going on for a few years now i have disputed multiple times now for incorrect information on my credit report and for them to validate the information that is on my credit profile. at this point its complete fraud and defamation of character. because of the incorrect information reporting from account XXXX i have been homeless and not granted credit worthiness. how can this be a open account and a collection account at the same time? actually i see that they also have it marked as a charge off account my question is under the fcra your suppose to report information as a 100 % accurate how is that even remotely possible. can you even be sure this account is even mine because after multiple attempts of asking for validation i have yet to recieve any is this how the credit agency handle consumer information and arent there laws in place to protect me from this type of fraud? i have been homeless. hungry and unable to fully take care of my small children because of this mistake that these companies seem to not care about below are the laws the have violated the above company has violated my rights and continues to do so. 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 non-monetary relief
Consumer complaint received 2023-05-08 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: MT

Complaint narrative:
I have contacted both XXXX XXXX XXXX  and Equifax to remove errors in my credit report many times and they will not remove this account from my credit report. XXXX XXXX XXXX  has verified this as being correct. 

This account is Account Number as it appears on my Equifax Credit File dated XX/XX/XXXX Confirmation # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXXXXXX XXXX  XX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with XXXX XXXX XXXX  ( Error 3 ). This was 24 days after the XXXX XXXX was filed. XXXX claims this was charged off ( Error 4 ). Months Revd 75 This was not a 6 years loan ( Error 5 ) .Activity Designator Paid and Closed, If this was Paid off was was it a charge off ( Error 6 ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error 7 ). Date of 1st Delinquency XX/XX/XXXX - Date XXXX XXXX. 1st Reported XXXX/XXXX This is 6 years LATER ( Error 8 ).

High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by XXXX XXXX XXXX. By law FCRA section 609 and 611 requires XXXX XXXX XXXX  and Equifax to report information accurately or remove the account from my credit report. 16 Errors are visible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NV

Complaint narrative:
Cash app has been discriminating on my account they are denying claims when I make them and tell me they have no further information! They dont even investigate the dispute! I disputed a XXXX transaction and WON I have no account with XXXX and cash app has been proven it and refunded me and then we didnt catch it till I was doing my taxes well I reached out and they denied my claim with out investigating a few days later! They have been doing this with account for a long time they wont believe me and immediately refuse to accept claim and wont give me reason why what makes it very obvious is here we have a dispute I won against this merchant and I have offered merchant number emails and most importantly of all cash agreed with me about the XX/XX/XXXX transaction when I filed dispute but yet now denied XXXX transaction it makes no sense I have no open XXXX account! XXXX will verify I am not that account holder! I did not authorize any payment I have been in and out of hospital for last two years I have emails my email and personal information was compromised but again most importantly how can cash app deny the 2nd claim when first one was proven I did t do it and have no account with XXXX I feel like they didnt even bother to look for some reason they been discriminating against my account! I have asked them and told them its my right to know how and when they investigate it?! When its right there and I won XXXX dispute I have no account with XXXX NO ACCOUNT WITH THEM! And they know this cause I won XX/XX/XXXX dispute transaction!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-05-08 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: Ability Recovery Services, LLC
State: MS

Complaint narrative:
Send me my signature where I received services or you will be getting sued. You have not legally verified any debt.

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 2023-05-08 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: V and H Portfolio
State: CA

Complaint narrative:
I am pretty sure if i received any mail from Vance and Huffman. I would have acknowledged it by now. But I havent nor have I heard of them. I am giving them the opportunity to reach out to me. But they seem to be repeating the same thing multiple times, but has yet to provide me with a telephone number. To their office nor have they issued me out documents that I supposedly signed. My only problem here is the company is standing firm with everything they have stated so far. So why not provide me with a number to speak to me directly. I need details to when the account was actually opened. They keep insinuating that I have a XXXX XXXX  account so provide me with details

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX  Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX  Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX CBG Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, TBOM/XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/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 2023-05-08 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: NM

Complaint narrative:
I was harassed with fees non stop

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 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My father who is now decreased, had been fighting an illegal foreclosure battle with Wells Fargo in XXXX. My father filed an appeal with local courts only to be denied. To sum it up he lost his home was forced to relocate etc resulting in financial hardship. I am the heir or next of kin. In recent light of the Wells Fargo settlement case I would like to know how and what is needed to move foward and receive compensation for the settlement for said claim for the financial injuries that occurred within the above-mentioned time frame.

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 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This complaint is against Bank of America NA, XXXX XXXX, XXXX and XXXX XXXX XXXX  for failing to adhere to the Consent Judgment entered against Bank of America in XXXX. With the help of the Consumer Financial Protection Bureau, I received a resolution on my first mortgage because of the consent judgment against XXXX XXXX. Bank of America was supposed to cancel the debt of my second mortgage of over {$35000.00} because of the previous mentioned settlement and the significant drop in my property value. I received a letter from XXXX XXXX in XX/XX/XXXX requesting payment of debt. XXXX assigned this second mortgage on multiple occasions with the last assignment happening in XXXX, well after the creation of the mortgage in XXXX. Back in XXXX Bank of America sent a letter stating that the mortgage was canceled, but now I am aware that a lien still exists on my property. Therefore, Bank of America failed to provide me with relief as required by the consent judgment entered by the United States Department of Justice.

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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I reviewed my recent credit report and noticed a collection from IC Systems for a Debt with XXXX XXXXXXXX XXXX  XXXX. I was told that this was a joint account. I have never had a joint account for XXXX XXXX XXXX. I have never signed a contract or authorized a joint account. IC Systems has also never called me, the failed to send me any communications or validation notice. I only found out about this debt when it showed up on my credit report. This account is also for an address that is not mine. I have called both XXXX and XXXX requesting that they validate this collection. They have not sent me confirmation that the debt was mine. 

Date : XX/XX/23 Amount : {$820.00}

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 2023-05-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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