vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Our bank ( Ally Bank ) notified us of a transaction ( XXXX via debit card ) on XX/XX/XXXX in the amount of {$1500.00}, which was the result of our credit card number being stolen. On XX/XX/XXXX we immediately reported the fraud to our bank, which required us to wait until the transaction posted to actually file the claim. 

We filed the claim, and was advised the timeframe to completion was 90 days. We were not given a credit during the time they were doing their review, so our family was out {$1500.00}, while XXXX and Ally were investigating. 

Ultimately, XXXX and Ally came to the determination that the transaction was authorized ( even though it absolutely was not ). We have been in contact with XXXX who will not release information to us, and only the bank. Our bank is telling us XXXX will not issue a credit to our account. 

Ultimately, this was an unauthorized transaction, and we should not be held accountable for fraud. I believe both XXXX and Ally are at fault here - due to XXXX falsly claiming this transaction as an authorized transaction, and Ally for not properly advocating for their consumer and not properly crediting our bank accounting for the unauthorized, fraudulent transaction. 

I have attached notices sent to us by Ally related to this dispute. We have made multiple phone calls, and written inquiries to Ally- you may need to ask them for copies of those interactions. We have also asked for any and all evidence related to this claim, which they ( Ally ) has failed to supply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Management Services, Inc.
State: MS

Complaint narrative:
No dates listed for XXXX XXXX now handled by SPECIALIZED Management Services. Highest balance was {$580.00}. I asked for the debt to be verified and no response was given. I made payments because I was told " I am just doing my job! You have no right to 'get on me for doing my job ' ''. I wanted to know what the debt was for. I was told " XXXX XXXX ''. I would like to know why it is reported " as late ''. Why not " paid as agreed ''? 
Specialized Management is notorious for trying to ruin credit.

Account number two : Original balance was {$290.00} and now {$170.00}. It is being reported " as late ''. Why " late '' if I make a monthly payment and the balance is decreasing? The same scenario. Specialized Management NEVER validated the debt and itemized what it was for? I received a nasty phone message that I MUST pay more money. I returned the call and asked what the debt was for. " I am just doing my job '' was the response ''. Whenever I have had procedures done at XXXX XXXX, I try and make a payment. They say they will bill me. They never say they will turn it over to collections in 30 days!

My insurance has paid on both of these accounts!

Specialized Management needs to learn customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CT

Complaint narrative:
XXXX I received email notifications that a payment of {$1000.00} and a payment of {$22.00} were deposited into my CashApp account by XXXX XXXX ( one of my tenants ). 
XXXX I attempted to transfer the funds from CashApp to the XXXX XXXX account I have linked to the my CashApp. I was not able to and couldn't figure out why I was not able to like the countless times I've done it in the past. Not knowing what else to do I deleted the first CashApp account entitled $ XXXX and replaced it with a new CashApp account entitled $ XXXX. 
XXXX Called CashApp customer service and spoke with 2 different representatives. After staying on the phone for close to an hour and giving all information they requested- Legal name, DOB , phone number, email address, last 3 digits of the XXXX XXXX account and last 4 digits of my SS, the end result was the same. Each time the customer service representative replied : " I am sorry but I am not authorized to make the transfer due to security reasons. '' I told both reps I would be happy to answer any other security questions and they did not respond. I then requested to speak with a supervisor and both times I was told : " There are no supervisors to speak with currently, but I will escalate this to that level and a supervisor will contact you via email. '' As of present, no emails received from a supervisor. 
XXXX Called CashApp again in hopes of resolving the issue and the same response was given to me. " No authorization to make this transfer due to security regulations ''. " No supervisor available and a supervisor will contact you via email ''. Still no email from a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: MI

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 Account # XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
Pennymac regularly sends advertising emails about refinancing opportunities. In it it states that it will give a .05 % point credit in addition to a {$1100.00} credit towards closing costs. When I started the process with them, I referenced this add specificially as a motivator to pursuing a refinance. They started the process and did not inform me that this is only for purchasing a new loan, not a refinance as the advertisement states. I started the process and spent {$450.00} on an appraiser, get to the end of the process, and was informed that this was not applicable to me. Later, I went through a process of trying get my PMI waived due to the amount of equity in my home. They told me they would not start the process unless I paid {$100.00} for an appraiser. I asked a lot of questions feeling mislead by my previous experiences with the refinance, and they assured me this was to appraise my home and send someone out to take a look. They never sent someone out and sent me a letter saying that they would not waive the PMI. I paid for a service and I did not receive it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts : - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
I've reached out to XXXX and the collection company and I was told to dispute collections with the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I took out a personal line in XXXX of XXXX and in XX/XX/XXXX I caught XXXX XXXX a XXXX case. I called them to set up an arrangement once I was out of the hospital at which time they refused to set a repayment plan. The company decided to go to court to obtain a judgement in XXXX of XXXX at witch time the judge on my case instructed them to stop the interest and also advised they could not refuse payments. Every week in XXXX I called to make a payment as they locked me out of the online option. Every week my $ XXXX payment was still refused even after the judgement. On XX/XX/XXXX I reached out again to make a payment towards the account and I was told that again they are refusing my payment and they have filed for garnishment. On XXXX I received notice of garnishment to appear in court with {$2000.00} in additional interest being added to the balance. This loan was for {$6500.00} they have now assessed XXXX in interest and fees of which {$2100.00} was added AFTER the judgement in XXXX where they were instructed to stop all interest and fees. Since this conversation I have made 2 additional calls to make payment that was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written USC 1668 : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written USC 1668 : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX , a federally Protected consumer, and I am making this complaint against EQUIFAX. for committing identity theft. I never gave EQUIFAX. any permission to use any of my identifying information to comment fraud by FURNASHING FRAUDULENT ACCOUNTS about an alleged debt they claim I owe. I am legally refusing this debt pursuant to 15 USC 1692c ( 2 ). i am demanding a cease and desist of all illegal activity, any communication and collection activity and furnishing this and any alleged debt from XXXX XXXX. Can you provide me with sufficient documentary evidence that I owe any legal obligation to pay them. if this documentary evidence can not be produced by EQUIFAX. And continues its furnishing efforts on my consumer report, I will file for actual charges caused BY EQUIFAX. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And violation of privacy 15 USC 1681 ( a ) ( 4 ) upon the receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/2022, A fraudulent unauthorized hard inquiry from PENTAGON FCU-XXXX was reported on my XXXX 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 2022-05-02 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:
I recently had an account with cash app and had about {$1000.00} in my account and somebody hacked into my account in fraudulently transferred money out of my cash app account to my debit card that was hooked up to my cash app account and then withdrew the money because somebody had stole my debit card and my cash app information I found the dispute with cash out back in XXXX and they've been done nothing but give me the runaround lie to me send me bogus emails ignore my requests tell me lies about how long it'll take they say they're not responsible for any money that was fraudulently or stolen out of your cash app account and that they will not replace it and all they do is lie to me lie to me lie to me and will not take care of the problem that is at hand the money being fraudulently took out of my account I've sent all the information they've requested the transactions that were fraudulently stolen I've sent them all the information they requested proving that it was fraudulently took out of my account and they still do nothing but lie to Me lie to Me lie to Me the refusing to replace any money that was stolen or fraudulently transferred out of my cash app account they say that they're not responsible for any of that and they will not return my funds to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
I entered into loan deferment and modification process with BSI Financial mid XXXX ( originally XXXXXXXX XXXX loan ). I have been requesting to end deferment and move forward for nearly a year now. I did finally get presented with 2 options in XX/XX/XXXX, ( see attached ), of which I selected option 1. I expected to see modification docs within a month or two and begin making payments in XXXX or XXXX ; however, I have not received any correspondence since, except for the one email saying it was still in process or awaiting some agency approval. Follow-ups by phone are made about every two weeks, and at best, I get the same answer or no answer or promised a callback that virtually never happens ( I can only recall one ). I am also noticing that my mortgage has now been being reported as delinquent to credit reporting agencies for the last several months!! I feel like someone is purposefully trying to keep me from getting back on track and trying to take my home, which has significant equity. I have been ready and able to make payments for quite some time. I also have been getting strange junk mail referencing a mortgage amount that is unfamiliar, but quite close to the deferment amount I agreed upon, so I feel like something is happening, but its being hidden from me or something. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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 XXXX  XXXX ending in # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Pacific Credit Exchange Corporation
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2022, A fraudulent unauthorized hard inquiry from XXXX XXXXXXXX was reported on my equifax Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2022, A fraudulent unauthorized hard inquiry from XXXX XXXX  was reported on my equifax Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: MI

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 XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX Account # XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2022-05-02 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: MI

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 XXXX XXXX XXXX. 
XXXX  XXXX XXXX Account # XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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