vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
I was given a XXXX XXXX XXXX and i was knocked out. While unconscious, someone used my phone and transferred money out of my cash app to their cash app. Im not sure how they got into my phone other than the facial recognition when I was passed out.. held the phone up to my face to unlock phone? But theres no way. this has never never never happened before. I reached out to cashapp to file a claim and they denied it and sent me the information they used For there review and determination and it was a piece of paper saying that the transfers went through and authorized. But there is no proof, and theyre not wanting to look it and investigate further. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: GA

Complaint narrative:
I have been dealing with Equifax for 2 years trying to have inquiries removed from my credit report. I have sent in requested documents ( Police report ) in to the company over a number of Six times. I constantly call in and I am told it will be removed in it will take up to 30 days to had it done. Times goes by and I reach out to them and I am out through the exact tactics again and again. I have a right to have items that dont belong to me removed from my report. They will not Apply with my request. I am starting to think this a XXXX issue. And I will not stop until this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My credit report from XXXX is showing I have debt of a credit card that I owe to JPMCB and a balance of {$7200.00} Opened on XX/XX/XXXX, with is fraud and also showing late payments. XXXX is reporting Merchants Adjustments showing I owe {$580.00} Opened on XX/XX/XXXX, which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have been awarded assistance from the Homeowners Assistance Fund ( HAF ) and have been trying to get my payment applied to my account. 
They fail to respond as agreed and to upload documents I send on repeat occasion via email, internal message and fax. 
HAF claims payment has been sent XX/XX/22 however Shellpoint Mortgage Servicing keeps giving me the run around saying they haven't received anything all while the foreclosure proceeding continue and fees keep piling up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent many requests and no by law I am to be providing proof. The bureaus keep sending me letter stating account have been verified however are nor backed up by proof!! FCRA VIOLATION I would like the following accounts removed from my report. 
It is severely impacting me and is incorrect. 


XXXX XXXX XXXX - Account Number : XXXX 15 USC 1692 ( c ) I never lived here, Please remove this from my credit report. 


XXXX -Account Number : XXXX 15 USC 1681 ( A ) Delete late payments for XX/XX/2021 because I was never late Delete Late payments for XX/XX/2021 because I was never late

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 2022-08-03 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: GA

Complaint narrative:
I have sent many requests and no by law I am to be providing proof. The bureaus keep sending me letter stating account have been verified however are nor backed up by proof!! FCRA VIOLATION I would like the following accounts removed from my report. 
It is severely impacting me and is incorrect. 


XXXX XXXX XXXX - Account Number : XXXX 15 USC 1692 ( c ) I never lived here, Please remove this from my credit report. 


XXXX -Account Number : XXXX 15 USC 1681 ( A ) Delete late payments for XX/XX/2021 because I was never late Delete Late payments for XX/XX/2021 because I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
In the spring of 2020 I attempted to setup autopay with American Credit Acceptance and was under the impression through their website I had enrolled my debit card to auto draft on payment dates. During this time I took a long vacation, but had ensured during my extended time away I had all my financials updated and set to be paid accordingly. In XXXX of 2020 my auto loan was over 30 days behind, and the lender marked this as a repossession. At the time I was made fully aware of the situation, I paid all outstanding fees, along with my late fees the moment I found out of the issue. In doing so, I demanded that they mark this as a late payment only, and not to be classified as a " repossession '' since I was willing to pay all fees involved and this was not a result of me not being able to pay the monthly amount. They told me they would only have this marked as a late payment, and I settled the entire balance immediately. This year I refinanced my truck with my bank to get better terms, and because of how difficult everything with American Credit Acceptance had been during the time I used them as a lender. Now, I am trying to buy a house, and my credit report is showing " auto repossession '' and making it very difficult for me to get approved for any mortgages.

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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ON XXXX XXXX I RECEIVED AN EMAIL FROM " XXXXXXXX XXXX '' STATING I WAS CHARGED {$350.00} FOR SERVICE AND THAT IF I DIDNT WANT THE SERVICE TO CALL XXXX. I CALLED THE NUMBER AND " XXXX XXXX '' TOLD ME HE NEEDED TO ACCESS MY ACCOUNT THROUGH MY COMPUTER. HE THEN SHOWED ME A SMALL BLACK SCREEN TO TYPE MY NAME AND THE AMOUNT OF {$350.00}. HE OBSOLETED THE DECIMAL LEAVING AN AMOUNT OF {$35000.00}. HE TOLD ME HE MADE AN ERROR AND REFUNDED ME {$35000.00} INSTEAD OF {$350.00} AND THAT I NEEDED TO GO TO THE BANK IMMEDIATLY TO WIRE THE MONEY BACK. HE COACHED ME TO SAY " THAT HE WAS A FAMILY FRIEND ''. XXXX XXXX XXXX FROM WELLS FARGO ASSISTED ME. HE ONLY ASKED " ONE '' QUESTION ... '' DO YOU KNOW THIS PERSON? '' HE NEVER PULLED MY XXXX OF BANKING WITH WELLS FARGO HISTORY TO SEE THAT IVE NEVER MADE THESE TRANSACTIONS IN THE PAST. I WAS OBVIOUSLY IN DISTRESS AND HE FAILED TO PROTECT MY ACCOUNT. THE WIRE TRANSFER OF {$34000.00} WAS INITIATED WITHOUT EXTENSIVE VERIFICATION. XXXX XXXX TAKEN THE EXTRA STEP AND ASKED TO PHONE A FAMILY MEMBER. I WENT BACK HOME WHERE XXXX XXXX PHONED ME AGAIN. HE TOLD ME " NOT '' TO ACCESS MY COMPUTER OR BANK AT ALL OTHERWISE I WOULD LOSE ALL MY MONEY. AROUND XXXX I CALLED MY DAUGHTER TO TELL HER WHAT HAPPENED. SHE IMMEDIATLY BECAME DISTRESSED AND RUSHED TO MY HOUSE. WHEN SHE GOT THERE I WAS ON THE PHONE WITH XXXX AND HE TOLD HER THE SAME, NOT TO DO ANYTHING. SHE KNEW THIS WAS A SCAM. WE CALLED WELLS FARGO XXXX XXXX AND FILED A CLAIM. XXXX FROM WELLS FARGO CLOSED MY ACCOUNTS AND OPENED A CASE REGARDING THIS MATTER. WELLS FARGO HAS FAILED TO RETURN MY MONEY. I AM A RETIRED WIDOW OF AN XXXX VET AND THIS WAS MY LIFE SAVINGS. THIS IS ELDER FINANCIAL EXPLOITATION. THIS IS ELDER ABUSE AND HAS CAUSED EXTREME XXXX AND ANXIETY. I DONT FEEL SAFE OR SECURE BANKING WITH WELLS FARGO. IVE SPOKEN TO A PREVIOUS " XXXX XXXXXXXX '' EMPLOYEE OF WELLS FARGO AND SHE TOLD ME PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT ITS CUSTOMER. IVE ALSO SPOKEN WITH A TRAINER OF WELLS FARGO AND HE HAS TOLD ME THAT PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT THEIR ELDER CUSTOMERS. WELLS FARGO IS INSURED TO SEND MY MONEY BACK.

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 2022-08-03 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: U.S. BANCORP
State: MS

Complaint narrative:
Ive never ever heard of elan financial or the bank

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 2022-08-03 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo allowed someone to remove my name from an account opened by me with my money transferred to open a business account. I wasnt informed nor asked to come in and show ID to remove my name. All I received was the run around and even my attorney was ignored by them. All fraud and they took my money. This fiasco started in 2020 and Wells Fargo has yet to respond, or rectify this situation for my business. Ive literally had to postpone even our granted 501c3 status has been affected.

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 2022-08-03 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: WA

Complaint narrative:
Our mortgage banker ran a credit report on XX/XX/22 on both my husband and myself and EQUIFAX shared our information without our knowledge. We started receiving calls on XX/XX/22 from " mortgage lenders ''. Some of these calls were menacing in nature. We were told by 2 of marketers that the information came from EQUIFAX. There were so many calls that my husband wasn't able to work using his cell phone. We called our mortgage lender and were told that they did not sell our information. We then called EQUIFAX on XX/XX/22 and they denied any wrongdoing. Again, two of the " lenders '' that called, told us they got our information from EQUIFAX as potential " leads ''. These calls have been extremely disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I booked my airlines ticket through Chase bank for about {$1900.00} for ( my mother, wife and daughter ). 
My XXXX and XXXX holds XXXX passport but have valid XXXX documents. 
My XXXX  is XXXX citizen. 

My family had a flight from XXXX to XXXX ( XXXX XXXX - XXXX XXXX XXXX - XXXX and XXXX XXXX - XXXX  ) on XXXX at XXXX. They had XXXX transfer from XXXX to XXXX, XXXX to XXXX and finally from XXXX to XXXX. They were not allowed to board the plane, reason from airline '' they didnt had transit visa. " Please see attached files. 
XXXX ) Letter from XXXX XXXX ( exempt list for transit visa ) XXXX ) XXXX XXXX website ( exempt list for transit visa ) XXXX ) Below file is a flight details. 

From the XXXX embasy letter it clearly says person having XXXX XXXX XXXX are exempt from transit visa. 

I called my travel agent ( Chase bank ) asking about clarification about visa requirement. They were not aware. So my wife and myself called lots of time at XXXX ( airlines ) and no one responded with proper answer initially ( They said since we didnt booked tickets with them they are not responsible to advise us. After repeated calling someone responded my wife and confirmed we dont need visa. Also i contacted XXXX embassy and they replied saying the same that person holding valid XXXX visa are exempt from transit visa. 

To be on safer side I uploaded all the visa information on XXXX website, if they wanted to deny ; why didnt they contacted me earlier? Saying you can not fly since you dont have proper documents. 

Since they were not allowed to board they had to return to a hotel and they were harassed by taxi driver on their way. This is not fair. I had to book a new flight in emergency which costs me {$5300.00} USD. I would request you to please look in the matter and pay me for all my damages. 

I am asking these because i called XXXX and also my bank ( Chase travel reward ) multiple times with the same question ( requirement for transit visa ) and no one informed us that they can not travel. 

I would request someone to really help me with this request. 

I raised a complain with XXXX ( airlines ) and Chase bank ( travel agent ). Without proper investigation they refused my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Dave Operating, LLC
State: MN

Complaint narrative:
The Company is Dave Inc funded by XXXXXXXX XXXXXXXX XXXX XXXXXXXX. Dave is headquartered in XXXX CA and XXXX XXXX XXXX XXXXXXXX in TN. Dave is an online overdraft/payday loan type service. I opened an account and was caught in a perpetual loop of my bank account needing to be verified. Because of this no services were able to be provided. Not even customer support//service. AlL THE WHILE they were debiteding my supposedly unverified account MEMBERSHIP fees! No one would help me at all until I filed BBB complaint against XXXXXXXX XXXXXXXX XXXX XXXX. Dave has now closed my account but will not delete my information and will NOT stop.contacting me via email even though I have unsubscribed and Uninstalled the app. 
They do this to hundreds probably thousands of people. They just take as much from everyone as they can get away with and sell our information. I am quite sure there are a lot of people out there that don't know how to challenge them and just accepted the lose. I know there are a few for sure, I read there reviews on XXXX. You need to look into the " business '' practices of Dave. They are deceptive and conducting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was on a court virtual zoom call with the county regarding a case for my son. My son received a message via zoom stating it was the XXXX Attorney office asking to communicate with regards to a deal that was reached in the case. This person then called my sons phone and stated that in order for the offer to be reached and the case thrown out, we needed to send {$500.00} immediately via zelle. I stated to the individual that the clerks office typically does not ask for XXXX payments and told him I do not have {$500.00}. The individual that replied stated that before he get off the phone, I must make a deposit atleast half of the amount and that he would call me back to set up the final payment and have the case immediately dropped. This person also told me that I would receive the bond money in the same account within 24 hours if I have {$1000.00} in the account. At that point I realized it was a scam. I reached out to bank immediately and they said they could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am an authorized user and have requested that Equifax remove XXXX acct ending in XXXX. They refuse to do so even though my report shows that I am an authorized and not financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am an authorized user and have requested that XXXX remove CapitalOne acct ending in XXXX. They refuse to do so even though my report shows that I am an authorized and not financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Harris and Harris keeps calling me and when I called back they said I owe money from a hospital Ive never been to. I asked for them to leave me alone and they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
Ive just received my credit report and noticed unauthorized items that shouldn't be reporting to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
I have had this problem several times with Specialized Loan Services LLC. It seems that they are intentionally posting my payments late. I mail my payments after the XXXX of each month when my Social Security income is deposited in my bank account. My utilities and all other payments clear the bank on time, but Specialized Loan is seeming to be holding the payments until the next month is due. This time, they held my XXXX payment until the XXXX was due, so they put the XXXX payment on XXXX, thus saying my XXXX payment had not been paid. I called the company, spoke with someone, and this is what they tell me. They now say that I am two months due ; XXXX, and XXXX, when only XXXX should be due. From the statements, I am to mail payments to XXXX XXXX XXXX XXXX XXXX of XXXX, CA XXXX. However, I get a statement from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. It seems that Specialized Loan is intentionally doing this. This is placing stress on me mentally, physically, and financially. About 6 months ago, I had to pay {$380.00} something dollars to them because of what they say I owe when they are wrong. I can not afford to send them money that is not due. I am a XXXX year old single female who lives alone only on Social Security. Plus I have a XXXX XXXX for which there is not a cure. PLEASE HELP ME. I make copies of all checks, statements, and payments. I have talked with them, mailed letters, to no avail. PLEASE HELP ME. I am not sending a two month payment because it is not due. Only XXXX is due on XXXX the XXXX, and late by the XXXX, but they wait 30 days to say they haven't received payment when I know that I mailed the payment. 
I have checked my bank, and the checks would not have cleared, because Specialized Loan is holding payments. I also XXXX  remarks of some of their clients, and they are having the same problem. Please Help me. -- -- 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 explanation