vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My complaint is with XXXX XXXX XXXX and Comenity Bank. I have disputed this issue more than once with both companies and not received as response as to why my information is not valid. 

There is an account that recently reappeared on my credit report. 
It is listed as XXXXComenity Bank XXXX The account shows as : Charge-off status update - XX/XX/XXXX Charge Off Amount - {$580.00} This account was charged-off to the company XXXX XXXX XXXX. 
My problem is that I settled this account in XXXX of XXXX. 
I paid a settlement amount of {$370.00}. This information does not reflect on the credit report. 
Another problem is that the credit report status has not been updated since XXXX of XXXX. 
Another problem is the charge-off company ( XXXX XXXX XXXX XXXX XXXX not even listed on the credit report. 

I have submitted 5 different disputes with XXXX and 2 separate disputes with the XXXX XXXX XXXX. I have provided documentation and when all of these disputes were closed I never received an explanation as to why my information was not adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect personal information on my credit report. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX PL XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, 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
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect personal information on my credit report. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX PL XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX XXXX XXXX **, ( XXXX ) XXXX, ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp continually and unnecessarily hold your money after the company has released the back usually with hotels or rental cars. When they have a hold for extra in case you damage the room or the vehicle am I sent proof that all the money has been released any transactions been completed Im going on the 15 day that theyre still holding a transaction is pending a CONTACT XXXX XXXX XXXX times. They said they released that on the XXXX. I do believe the cash app is doing this if they can make money on our money like extra interest but that money sitting in their accounts instead of return it to the customer like they should and then when you try to contact them, they purposely tell you they will not speak to you that theyve had. They said all they had to say to you and they just like shut you off they will not return phone calls you can not reach anybody by phone. You just get some weird one person message like its in some guys house. This is ridiculous and this needs to be governed more because they are taking advantage of people I have proof from the hotel that money was released on the XXXX now I used another card with that hotel for so I travel out for work and my money goes back on the next day with cash app. They take 14 days to give it back sometimes longer and then they shut you down and they wont answer your questions anymore or even call you because you cant get through on your phone and theyll just ignore you like what are you gon na do theres some virtual company and I think theres some doubt overseas so they dont even understand what youre saying half the Time somebody needs to look into this Im taking this to the news there was three charges made for one stay by the night auditor that was new and one was completed for that night and one I was able to get cash out the release and this one theyre still holding since the XXXX youll see the documentation down below it was only holes and they were released so they shouldnt be still pending and they telling me to dispute it so they can hold my money for another 45 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
due to the XXXX data breach I have been a victim of identity theft and also. my identity was stolen during a break in one of the company 's I'm having issues with is Capitol One it was opened XX/XX/2022 for the amount of {$1000.00} I have complained to. the company and the FTC and they refuse to remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: FL

Complaint narrative:
I would like to report inconsistencies with my account. I have been double charged it seems and funds go missing out of my account without any proof of the transaction. I have been charged overdraft fees twice and random deposits of money have been placed in my account multiple times

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 2023-03-09 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: CA

Complaint narrative:
On XX/XX/2023, I sent dispute letters to XXXX, Equifax, and XXXX disputing an inaccurate information regarding a bankruptcy on my consumer report. XXXX, Equifax, and XXXX have neglected to report that bankruptcy that is on my consumer report has been disputed. That is a violation of 15 USC 1692e ( 8 ). It must be reported that an account or an entry on a consumer report be marked disputed when a consumer has disputed it. Failure to do so can result in litigation or arbitration. I have previously disputed this entry as inaccurate on my consumer report. Since this account/entry has been disputed XXXX, Equifax, and XXXX have failed to comply with the requirements of 15 USC 1692e ( 8 ). 
Also, XXXX, Equifax and XXXX have no permissible purpose to share bankruptcy information in its entirety with my name, social security number and other identifiers. That is a violation of 15 USC 1681 ( b ). I have never given my written consent or permission to furnish information not given to them by me or the United States Bankruptcy court ( please see attachment ). I completely intend to file suit in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My closing was delayed due to Chases mortgage team not seeking the correct insurance information until the day of the scheduled closing. I immediately provided the information, but Chase was unable to process the information fast enough and had to delay my closing. I was told that the department responsible for processing the information was too busy to process the information in time. Nevertheless, Chase refused payment under its Chase Closing Guarantee. They tried to blame my realtor, who had no involvement in the issue. Their claimed guarantee is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am being harassed by Navient, although I received approval for debt relief from the Federal government, which is unfortunately on hold due to a court order, however, I received an email on XX/XX/XXXX from XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX serviced, but yet still being harassed for payments by Navient. Navient made claims that I was not eligible for debt relief, only Direct Loans were qualified, however, I did receive an email confirming I was approved prior to the court issues. When I told Navient to stop calling to only communicate to me by email on XX/XX/2023, I still continue to get calls, and now calls from another number but still XXXX XXXX XXXX twice on XX/XX/2023, and again on XX/XX/2023, it was Naivent calling and harassing me, when I repeated to no longer call me, the person on the phone continues to ask me for payment and would refuse to listen to my request for no phone calls. Can you please assist me or how this company can be reported and prevented from calling me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CA

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 : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : 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 explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, check # XXXX was cashed by Bank of America in the amount of XXXX payable to XXXX XXXX or XXXX. This check was originally written on XX/XX/XXXX in the amount of {$58.00} to the XXXX XXXX XXXX The check was altered, and XXXX XXXX  was notified on XX/XX/XXXX at which time a claim was filed. The claim number given by XXXX XXXX for the investigation to Bank of America is XXXX. 

We have tried repeatedly to contact Bank of America both through XXXX and directly. On XX/XX/XXXX, XXXX received an e-mail from Bank of America stating that the investigation was ongoing and would be resolved within 90 days from the original filing date. 

As of XX/XX/XXXX, the last communication from Bank of America was that resolution would be within 120 days from the filing date. Bank of America keeps pushing the date back and that is unacceptable,

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 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I went to a trip to the XXXX XXXX and for the first time, my wife lost her passport and we went through multiple adaptations to deal with it and it cost a lot of money. The XXXX system usually helps with transfers Immediately and upon arriving late, the hotel that is supposed to be 5 star, refused to transfer our room to the adapted date. XX/XX/XXXX I call american express to call it a fraud and unauthorized charge and they said no, it's an insurance claim for a small {$500.00}. This doesn't cover the actual charge well over this amount. The actual charge is attached. The charge never says the hotel is non-transferrable. It says non refundable and the hotel said they would've taken the transfer if they heard the day before, but they never answered the phone and hotels.com even tried. What I mean by that is they take the call but say the " person who can help isn't here right now .... '' XXXX didn't try hard enough again until monday after the friday start of the room charge. I never used the room and XXXX and the hotel misrepresented themselves as a fraud. XXXX in the past would've offered me immediate service and they failed this time. The hotel acted like a 2 star and not a 5 star. On an added note, the centurion club in XXXX airport is half the size for what's appropriate for one of the biggest airports in the world. I couldn't go in there because there was an hour wait and I wasted money on dinner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This account does not belong to me. National Credit Adjusters are trying to collect money in a fraudulent way. I have no knowledge who they are. They have threated me in the past and im already fed up with them I will be pressing charges on them for Personal Abuse and Threating and Intimaditing People. I would like for this account to be removed from my Credit Report please. They only affecting my Credit score with their false statements and information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Self Financial Inc.
State: TN

Complaint narrative:
I contacted this company for validation of the debt that they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus and a FTC identity theft report. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.

There are two seperate accounts from this company reporting fraudulent and inconsistent information to report. 
The history for XXXX is missing -- COMPLETELY The history for XXXX and XXXX has gaps in payment history.

None of the information is consistent across the three credit bureaus.

Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My mortgage company is NewRez/Shellpoint . On XXXX, I applied for New Ins. from XXXX XXXX XXXX XXXX, a check for {$1700.00} was sent on my behalf from my Mortgage company to the Wrong company. I had water damage in my Master Bedroom ceiling. On XX/XX/XXXX I called and filed a complaint with XXXX XXXX and was told someone would call me within 24 hrs. that never happened. I called 2 more times XX/XX/XXXX & XX/XX/XXXX and still No one contacted me. On XXXX XXXX XXXX XXXX of NewRez called me stated I didn't have any Insurance on my Home at XXXX XXXX XXXX in XXXX XXXX, NC XXXX and that it hadn't been covered since XX/XX/XXXX because the Ins. check was to the wrong company. XXXX stated NewRez would put Forced Placed Ins.on my home and repair any damage. XXXX stated the XXXX would only cover the outside of my home. Adjuster XXXX XXXX of NewRez Mtg. came out to my home twice and saw the Damage and after 45 days on ea. visit, I was Denied. I had to pay {$400.00} out of my own pocket to fix my ceiling. In XXXX, XXXX. NewRez cancelled the XXXX on my home, then put my Escrow acct in the negative {$3000.00}. NewRez did an analysis with the wrong numbers & raised my Mortg. pymnt from {$510.00} to {$580.00} for the month of XX/XX/XXXX. It is unbelievable how my Mortgage company has handled this whole situation. On the last visit from Adj. XXXX XXXX with XXXX the Roofer he stated the mortar in the Chimneys between the bricks was gone., still i wase Denied. Please help Me. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NY

Complaint narrative:
XXXX is claiming I owe a debt for utilities back in XXXX at an address I moved out of in XX/XX/XXXX the services and the bill after that point belong to the landlord or the tenant not me. I will not being paying them anything.

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 2023-03-09 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: NJ

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 XXXXXXXX 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 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.

Also I will like to state that I did not open or apply for these accounts. I have reached out to these companies to take these accounts off my credit reports. I never used my SSN to apply for these accounts

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 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I attempted to purchase sporting event tickets online through my financial institutions ( XXXX  ) Zelle link however after I sent the money the person never sent the tickets. I contacted my financial institution and Zelle within an hour of the transfer to cancel the transaction however they said that there was nothing that they can do other than open an investigation and the chances of recovering my funds were extremely slim. I believe that since I contacted them within an hour of the transaction they should have been able to do a chargeback however they claim that was not possible.

Company response to consumer: Closed with explanation