vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have continued to dispute this account with Affirm, account number XXXX as it is fraud. After numerous attempt to rectify this matter with XXXX and the merchant, it's clear they took my money and ruined my credit. I am exhausted and feel I had no choice but to file an identiy theft and a police report regarding this matter. I did not get what I paid for. I was clearly robbed and I need this account removed from my credit report immediately and my payments made to this account.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had a credit card with XXXX XXXX XXXX out of XXXX XXXX Nevada since XXXX, I called in and closed my account XX/XX/XXXX and paid balance off, then around 30 some days later XXXX XXXX XXXX sent me a statement and said I owe {$29.00} and then it has escalated to over {$200.00}, I called them several times and asked why did you add a payment to account that was closed with XXXX balance, the only answer I was given was that I owed that amount, I do not owe any money on that card with XXXX XXXX XXXX, and the strange part is I have another XXXX XXXX card with the same credit card company in XXXX XXXX Nevada and it is in good standings, I do not owe credit XXXX Bank for a card I canceled and paid balance off, and they have continuously updated it on my credit report as past due, there is no past due money owed from me on that XXXX XXXX XXXX credit card that I canceled and closed.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of XXXX XXXX. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CO

Complaint narrative:
I had a hotel reservation and when I checked in I used my cashapp account to cover incidentals and the room rate. Upon checking out I used my debit card linked to my checking account to settle my bill. The hotel informed me the cashapp transaction wouldn't finalize since I paid another way. Unfortunately it did go through and I was charged double. I contacted hotel and they informed me that they didn't finalize both transactions and only show record of the transaction done with my checking account. I have disputed this transaction with cashapp multiple times submitting supporting documents and I keep getting the run around. I don't think anyone is actually looking at the dispute but instead automatically issuing a denial. When I've asked for the information on why they denied dispute I just get rerouted to a bot asking which transaction I want to dispute. The hotel stay was XXXX XXXX XXXX and the amount that shouldn't have been charged was {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: SC

Complaint narrative:
I purchased 2 pairs of glasses from XXXX. I used XXXX, XXXX who offers virtual credit cards/virtual payment plans for consumers. 

After checking out, I noticed I never received any confirmation email about the order from XXXX XXXX. I was looking for XXXX customer service to contact them about my order. They have a U.S phone number and address listed on their website, but the phone number is not working. ( XXXX ) XXXX Also, I came across many reviews online of people saying that they never received their orders from XXXX, and they are a scam company. They also are using a US address to make it appear that they are located here in the U.S but they are really in XXXX. Which, I feel is misleading to customers. 

The same day that I placed the order, I immediately contacted Afterpay about canceling the transaction due to the information I found out about the Merchant ( XXXX ) Afterpay said that there is no way to reverse a transaction once its been completed and the only way to be refunded is to : 1-Wait to receive the items from the Merchant and return the items. 2-Contact the merchant to ask them to cancel the transaction. I reached out to the merchant but iniitally received no reply. 

After filing a complaint with the XXXX XXXX XXXX, After pay opened a dispute for me. 

On XX/XX/2024 XXXX finally replied to me after the dispute was opened asking me why I want to cancel. I replied that I had decided to purchase elsewhere and asked them to cancel. XXXX XXXX replied back saying They wont help me or cancel my order unless I close the dispute with After pay. 

I contacted Afterpay back and sent them copies of the email I received from XXXX. Afterpay sent me an email saying that they have closed my dispute and that they cant help me, and I just have to work directly with XXXX to get a cancellation and refund. XXXX will not cancel the order. Also I found information online about the address XXXX is using. It was on the XXXX XXXX XXXX Scam Tracker. The address is XXXX XXXX XXXX XXXX, NJ XXXX, I sent this information to Afterpay as well. 

On XX/XX/2024 I placed an order with XXXX online for my eyeglass prescription which I paid directly from my bank account. The issue is that now I am unable to get a refund from Afterpay, or XXXX. 

I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a promotion to open a checking account at BMO bank ( Exhibit 1 ). To receive {$600.00}, the terms stated : 1. On Day 120 after account opening, your Average Collected Balance over the 120 days must be at least {$10000.00}. 
2. Have at least ten ( 10 ) electronic transactions post to the account within 120 days of account opening. 

I did not understand the meaning of Average Collected Balance and the branch manager at the XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, explained that it simply means money deposited and not later returned. XXXX XXXX confirmed that I may deposit a check and that the first day of the 120 days would be on the day that the check is deposited. 

I opened the account on XX/XX/XXXX at the XXXX XXXX XXXXXXXX and XXXX XXXX again confirmed that the check deposit would be day one of the 120 days period. I deposited a check for {$10000.00} at account opening. 

There was an issue with a charge on the account that was corrected on XX/XX/XXXX and XXXX XXXX confirmed that the average collected balance would be above the required {$10000.00} [ for the {$600.00} bonus ] if the current balance was held until the end of the 120 days ( Exhibit 2 ). 

My statements ( Exhibit 3 ) show the {$10000.00} deposit on XX/XX/XXXX, eleven electronic transactions ( XXXX ) and an average balance above {$10000.00} until XX/XX/XXXX ( 123 days ). However, the bonus payout on XX/XX/XXXX was only {$400.00} instead of the expected {$600.00}. 

XXXX XXXX investigated the issue of the reduced payout and found out that he himself had received incorrect information from the bank, and that the information that he had provided in turn was incorrect. Apparently, BMO did not start the 120 days clock on the day that the check was deposited but at some later date. I assume when BMO lifted the check hold? This is not even shown on the statement! The calculated average balance was therefore somewhere between $ XXXX {$10000.00} and this only qualified for the {$400.00} bonus ( See Exhibit 1 ). 

XXXX XXXX was very sorry for the incorrect information he had provided, and he and his manager requested that I receive the missing {$200.00} for the full {$600.00} bonus ( Exhibit 4 ). 

Unfortunately, the bank refused to pay the {$200.00} despite the incorrect information that I had received ( Exhibit 5 ).

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early warning is reporting an account on their database that I have no knowledge of. This is a fraudulent account from XXXX XXXX XXXX  personal checking and business. These accounts have inaccurate address information linked to my name. I have never lived at any of these addresses and early warning has failed to provide me with any documentation validating these addresses are mine or that these accounts belong to me. I requested the documentation and early warning sent a message saying they do not have access to documentation. If thats the case this is indeed identity theft and these accounts must be removed immediately. Also, I never received the required notice from XXXX XXXX XXXX that I signed via certified mail that they are required to send before reporting any accounts to third parties in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX. I feel for a job scam. Someone was very nice and understanding to me and sent me a form and I filled it out. They stole my bank account from that information. The bank did not notify me, the app XXXX told me my card had been reported stole 24 hours ago. I am at eviction risk because of it I couldnt get into my account because it says a new card had been issued I do not have the information the branch is not open the phone lines are not opened. Then to top it all off I find there are employees watching XXXX and by the time they reply I miss the message and they are offline tomorrow. What the 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 

The inaccuracies are highly injurious to my credit score ( Accounts are listed below ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
we have had a mortgage with SPS for XXXX  years. Originaly we paid our property taxes ourselves. About XXXX  years ago SPS offered to escrow to pay the taxes and we decided to do it. Each year they have paid our property taxes in the 2 required payments ; once in XXXX and in XXXX. There has been no problem with it. our payments are made on time and there is always enough money in the escrow account. SPS paid our first half of taxes in XX/XX/XXXX but did not make the XX/XX/XXXX payment. We were alerted in XX/XX/XXXX by XXXX XXXX. We called SPS and after a couple of calls, i was assured this would be taken care of. XX/XX/XXXX we received a certified letter from county that not only had the tax payment not get made, the county sold our taxes at auction. There are fees and penalties as well. We called SPS right away and sent them a copy of the letter. We were assured that this would be taken care of and that they were putting in tasks and escalating them. Over XXXX calls over the next 4 months and they still have not paid our delinquent taxes. I have spoken with about XXXX people. Each person agreed that the error is on their end and that they would put in tasks for escalation but nobody has taken ownership to get this fixed. We ended up having to just pay off the mortgage in full. That was a XXXX weeks ago. i did call and confirm that they received the money. we also pulled our money from savings and paid the taxes, including the penalties and fees, and paid it ourselves to protect our property. i emailed them a copy of the receipt. Also during their process of tasks an escalations, they put in a dispute which impacted our credit score -they reported that we were disputing our entire mortgage and that dropped our credit score XXXX points!! they owe us all of our escrowed money which is about {$4500.00}, {$350.00} for the penalties and late fees, {$200.00} for having to consult an attorney and good faith reimbursement for the time and frustrations they have caused. they have cost us money, peace of mind, anxiety, impact to our credit score, frustrations. They are not operating in good faith and have misappropriated our funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My ex-wife fraudulently opened and used a Home Depot credit card. I had an extremely hard time actually talking to a live person in the finance dispute office. In early XXXX I explained I didnt open the card nor did I authorize it. I never used the card. 
I put in a dispute. I Asked to have the card closed. 
I have gotten zero feedback, my credit score continues to DROP because XXXX XXXX keeps showing me as having late payments! I tried to follow up around XXXX the XXXX. I was unable to talk to anyone in the financial department. They sen you thru a bunch of prompts making it virtually impossible to talk to anyone.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Early warning is reporting an account on their database that I have no knowledge of. This is a fraudulent account from Bank of America personal checking and business. These accounts have inaccurate address information linked to my name. I have never lived at any of these addresses and early warning has failed to provide me with any documentation validating these addresses are mine or that these accounts belong to me. I requested the documentation and early warning sent a message saying they do not have access to documentation. If thats the case this is indeed identity theft and these accounts must be removed immediately. Also, I never received the required notice from Bank of America that I signed via certified mail that they are required to send before reporting any accounts to third parties in my name.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i recently paid {$29.00} for a transunion membership and noticed inaccurate information in my credit file, i attempted to remove an address that is not mine, but there is no where on the site to have that disputed or removed. i have been a victim of identity theft and only want one address

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