vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
So I though things were clear in the phone 2 days ago but this is why I dont deal with them over the phone and will gladly deal with them going forward on here.. 

1. It is not only not ok but it also is their responsibility to update payment and terms correctly and accurately 2. They took me to court for XXXX XXXX XXXX in XXXX. Thats one agreement which was for a different monthly payment 3. They took me to court again XX/XX/XXXX for the same student loan with a different monthly payment agreement .. let the court documents show a factual reflection minus the incorrect control numbers that should be on a court document 4. On the new court document the XX/XX/XXXX date is written and stamped 5. So clearly its a different agreement if there is a different monthly payment amount for XXXX XXXX XXXX Now what I wont have is hearing one thing on the phone and one thing in writing so this is our new form of communication cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Made payments vie money orders during 2024 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and of {$1200.00} and according to statement, none were credited to account. Company filed foreclosure twice during this time, which to try to save my property on advice of an attorney I filed for XXXX  XXXX. At one time ( XXXX ) the attorney talked to a representative from Fay Services LLC and asked about the payments being sent/credited to my account and he suggested that I send payments ( check ) to a XXXX, Tx, address instead of the previous Illinois address that I have always used. I sent it and in XXXX after they filed for foreclosure again I received by XXXX the return check! I had to try to refile XXXX XXXX because of the rushed foreclosure date on the XXXX of XX/XX/2024, Even though I filed before that date, they went through with the auction of my property before Bankruptcy was determined. Which was not legally alloyed. I am trying to keep my property, I had some financial circumstances last year but have corrected them and was moving on. I live in Maryland and they have from my understanding certain foreclosure laws that restrict avenues of recovery of my property. Also note that when this company assumed the loan from XXXX  they didn't go with the loan arrangement and I was told at the beginning of 2024 that I was not eligible to apply for Loss Mitigation. I was sent the new payment amount starting in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
This just appeared on my credit report ( collection ) as in XXXX XXXX XXXX with a debt of {$1700.00} of open balance, nothing else, I havent received any type of notification about this and I have no idea what is this about. No phone calls, no mail, nothing from this agency.

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 2024-10-31 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I was send an alert on my consumer report of an ACOUNT added by ( XXXX XXXX XXXX ) I do not recognize this account nor am I liable for it. It was fraudulently opened and should be removed immediately. 
Under 15 USC 1681 This company has violated my rights to privacy and confidentiality.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
Dear Cash App Support Team, I am writing to formally complain about the handling of my Cash App account, which has caused me significant inconvenience and financial distress. 
On XX/XX/2024, my XXXX XXXX XXXX phone was stolen, and I promptly filed a police report. Subsequently, I noticed unauthorized transactions on my Cash App debit card while I was out of town. I contacted Cash App support in XX/XX/2024 to dispute these transactions, but my account was closed, and I was informed that disputes could not be processed due to the account closure. 
Despite my repeated requests to send documentation through the mail, I received no response. Instead, I was informed that my disputes would be paused until I verified my identity. However, several disputes were processed and denied without verification, leading to a negative balance on my account. 
To process any disputes on the cash app on the phone, it asks to verify identity to process a dispute which I already have, several times. There is a total of 81 unauthorized transactions for a total of {$2600.00} I trust that Cash App values its customers and will address this matter promptly. I look forward to your swift resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the Equifax and XXXX and XXXX credit reporting agency , block information reporting on my consumer report that result in identity theft and fraud within 4 daysof receiving this complaint.The fraudulent inaccurate account is XXXXXXXX XXXX account number XXXXThis account account appearing on my consumer report i do not recognize the aforementioned account.I have attached my FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the XXXX and XXXX and Experian credit reporting agency XXXX block information reporting on my consumer report that result in identity theft and fraud within 4 daysof receiving this complaint.The fraudulent inaccurate account is Lincoln Automotive account number XXXXThis account account appearing on my consumer report i do not recognize the aforementioned account.I have attached my FTC IDENTITY THEFT CRIMINAL COMPLAINT case number 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 2024-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
I added {$750.00} to my cash app account, then transferred to my debit card linked with cash app. I paid for instant transfer which wasnt instant and cash app paid me back the $ XXXX change for the false instant charge but couldnt return me my {$730.00}. I have contacted XXXX XXXX and they tell me I canceled the transaction so funds are sent back to cash app. Cash app tells me funds were successfully sent but fails to help me locate where my money is since I canceled this transaction from my XXXX XXXX debit card account. Cash app blames XXXX XXXXl and XXXX XXXX blames cash app and neither have told me where my money is so I have {$730.00} floating in the internet and no one is helping me solve this. I tried to do a 3 way call XXXX XXXX  was more than happy but cash app was very shady for liability reasons they cant do a recorded three way call which is bad business they are more un willing to help more than XXXX XXXX. Cash app has canceled multiple claims I have requested escalation to a manager multiple times and I have never reached a manager through email or call support. I have photo proof I reversed the transaction and XXXX XXXX claims it and cash app only tells me well funds were properly sent so somebody needs to be held accountable. Its very disturbing knowing a company could careless that {$730.00} of hard earned money can just disappear in a transaction to yourself. Cash app is terrible with support and their effort is less than minimal when it comes to serving a customer that is missing money. XXXX XXXXl confirms funds were reversed/ canceled but neither company can tell me where my {$730.00} is. All I want is my money back honestly how hard is that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On the evening of XX/XX/year> I opened a checking account online with Bank of America that advertised a {$300.00} bonus if {$2000.00} was deposited into the account within the first 90 days. 

On XX/XX/year> I transferred {$500.00} into the account. 

On XX/XX/year> I tried to log in to my account and was unable to. 

The morning of XX/XX/year> I called Bank of America to ask why my account was closed, and they told me I needed to go to a branch to verify my identity. I immediately went to my local branch who were unable to assist me ( they had to schedule an appointment for me with a teller, as I was unable to schedule an appointment myself online because you have to log in to schedule an appointment ). 

On XX/XX/year> at XXXX, I arrived at my scheduled appointment, during which she called the Bank of America fraud department XXXX They told us that I couldn't access the account because it was closed, and that my funds would be mailed to me as a check within 7-14 business days. She told me I would need to open a new account, but this account would not be eligible for the {$300.00} bonus. 

I declined to open a new account, as I didn't appreciate being enticed into opening an account with a {$300.00} bonus, only for it to be a bait and switch and becoming ineligible for the bonus after wasting hours of time trying to figure out why I couldn't access my account. 

I inquired about why my initial account was closed, and she told me it was because I didn't call the fraud department to verify my identification within 5 business days of opening my account. I was never notified that I needed to do this - and I lost access to my account 3 business days after opening it and called about why I couldn't access my account 4 business days after opening my 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 monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a foreclosure notice from my county in the amount of {$1300.00} for the XXXX  year. It did not state what type of taxes or any other years. I contacted my bank and they asked me to email the notice in. I called the county I live in and they stated that the previous years school taxes ( XXXX ) were not paid, which is why the notice went out, but on XX/XX/XXXX they were PAID IN FULL. I sent endless emails and spoke with a representative in the tax department that stated they would disregard the email and helped me understand school taxes. On XX/XX/XXXX, my school taxes ( XXXX year ) were paid to XXXX XXXX XXXX XXXX in the amount of {$3700.00}. I confirmed with the school because I work for the district on XX/XX/XXXXXXXX  that my tax check had not yet been received. In addition, on XX/XX/XXXXXXXX a check was sent out for {$1300.00} for taxes that were " unpaid '', but I had already confirmed with the county that they had been paid on XX/XX/XXXX. I called Newrez to speak with a woman who gave me a lecture on paying my taxes on time. I found out the check was mailed to the wrong address, an address that XXXX XXXX XXXX has not used in over 2 years to collect taxes. In addition, no one knows where this mysterious check for {$1300.00} went. I contacted Newrez on several occasions and could not get in touch with someone in the tax department. I sent several emails requesting phone calls. No one responded. I have filed several XXXX complaints and a complaint with thXXXX XXXX XXXX XXXX XXXX. I am currently on the phone with them and they are still refusing to cancel or stop the check that was mailed out over a month ago and refund it to my account. That money is owed to me. Nowhere in my agreement does it say I am to pay someone else 's taxes that were paid back to him in our closing agreement. 

I spoke with another supervisor who informed me they spoke with someone from the `` county tax department '' on XX/XX/XXXX who refused to give their name stating our taxes were still not paid in full. This claim is FAKE AND NOT TRUE. I have called the tax assessor, the county tax office, and spoke to the school tax professionals/collectors and they all stated they have not spoke with ANYONE from NewRez. In addition, on another phone call I was told that they can not dial out. Also, if they spoke with someone on XX/XX/XXXX, then why did they mail the check out on XX/XX/XXXX??? MY MONEY HAS BEEN MISSING FOR OVER A MONTH ALMOST TWO FULL MONTHS. PLEASE RETURN THE CHECK TO MY ACCOUNT IN THE AMOUNT OF {$1300.00}. I have more than enough evidence to prove that this company is lying and stole my money. Someone make them give it back. I will continue to file multiple complaints about this company until someone does something.

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 2024-10-31 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: EQUIFAX, 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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-10-31 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: TN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I received my credit card, made a purchase, then made another purchase but card got declined. I contacted Citi bank by calling the number on the card. After spending an hour on the phone I was assured the card is all clear to charge. So I use it at my grocery store for {$120.00} but it gets declined. I call CITI bank again and was assured its going to work but didnt again. This happened numerous times. I have a credit rating of XXXX and have always paid my bills. I will be canceling my card!

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 2024-10-31 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: GA

Complaint narrative:
Your failure to validate disputed late payments on my credit report violates federal law. Despite my written dispute over 30 days ago, you have not responded or provided required documentation as mandated by the Fair Credit Reporting Act.

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 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws.

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