vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 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: IL

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, Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
I have an Account with Aspire credit card issued by XXXX XXXX XXXX I closed my Account a year ago in XX/XX/2021. I have continued to make payments. They continue to charge maintenance fee of XXXX a month and also was charge another annual fee. Of XXXX. They keep bringing up the balance which makes it impossible to pay it off. This is and should be illegal. I have been making my payments on time and they refuse to remove the fee. In the first agreement upon receiving this card I said that fees would be waived if card was canceled within 30 days of statement closing which I did. I called the first time to have the fee waived and they never did. Now after a year of closing the account they haved charge another annual fee. This company has been fraudulent from the beginning and needs to be investicated.

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 2022-10-21 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: NJ

Complaint narrative:
On XX/XX/2022 I used Cash App to send money to 2 different people. One transaction was for {$150.00} that was processed successfully with my debit card, the second transaction was for {$60.00}. Cash App stated that my bank declined the {$60.00} payment and they decided to payout the {$60.00} dollars anyway as a " credit ''. I asked the representative at Cash App 1. why would you use my bank account to try and send the {$60.00} payment and 2. If it did decline why would you still send the money if my bank supposedly declined the payment. I NEVER use my bank account to make payments via cash app. I have ALWAYS used my debit card. The representative told me he was not sure as to why my bank account was used to attempt the payment of {$60.00} instead of my debit card. 

Today someone sent me {$100.00} via Cash App and to my surprise Cash App kept {$60.00} and only gave me {$40.00}. Upon speaking with the representative he advised me that they are not able to give me the {$60.00} back because it was a credit that they paid out on my behalf but I never asked them to do that. If my bank declined the payment they should have just let it be and not take it upon themselves to send the payment anyway. 

I asked to speak to a supervisor and the representative told me that he did not have someone for me to speak with verbally and that I would be contacted via email by a supervisor. I expressed that this was unacceptable and unfair to me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Community Loan Servicing took over my home loan. They have reported my loan as missed payments in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid with proof of payment through my bank statements. I have requested to have those late payments removed off my credit report which has tremendously hurt my score as they werent late and my loan was sold to another company XXXX XXXX whom took over my payments in XX/XX/XXXX. I call Community Loan Servicing only to be rerouted to XXXX XXXX. I then have to find a land line to call from so they dont have my phone number attached to my old account just to get a representative on the phone to redirect me to an email address for my concerns on this matter as she said she couldnt help me I have emailed Community Loan Servicing FOUR times without a response! I have filed disputes with all 3 credit bureaus to have this removed and its currently under investigation. I am trying to refinance my home loan with a better deal and this is my hold up. For the past week I have stressed over this as NO ONE WILL ANSWER at Community Loan Servicing. I shouldnt have to go through this much trouble to get customer service on a loan I had with them. I log on to their website and it redirects me to XXXX XXXX yet again. Someone needs to train this business with better customer service!! I can even access my old account not will anyone help me remove these negative remarks off my report. I have proof of payments and I have never been treated so poorly by a company! Someone needs to be held responsible for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: NV

Complaint narrative:
I have reached out to the following credit bureaus : Equifax XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX Equifax XXXX XXXX XXXX XXXX Georgia XXXX in regards to their incorrect reporting with the following accounts 1. The following account is not mine. 
US DEPT ED Account number : XXXX Please remove it from my credit 2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 5. The following account is not mine XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 6. The following account is not mine XXXX XXXX  Bankruptcy Reference Numbers XXXX XXXX XXXX I have asked them to remove them from my report and sent them a demand to remove in addition to the original request to remove these items. It has been over 30 days and they have not handled my updated report. I ask that you enforce the law and have them remove these from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is week 4 of me dealing with Bank of America. Today XX/XX/2022 Spoke with charge off manager XXXX XXXX who didn't want to give his ID # @ approximately XXXX. He's stating that the balance of XXXX is valid when I have documents mailed from BofA saying only two claims out of the 5 month investigation wasn't approved. That means 13 out of 15 claims were approved per month. Only two claims were denied and that alone doesn't make sense. Not to mention the two claims total to {$98.00} and I was placed into XXXX XXXX with no notification or anything. 

My account all together was compromised. I immediately notified BofA they held my hard earned money hostage for an entire month. I couldn't even get my children diapers. I was NOT negative prior to my account being compromised.

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 2022-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
GREETINGS. 
I PAID {$2000.00}. payment. They applied XXXX to interset and {$100.00}. to prin. 

They are not applying payment correctly.

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 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I had a mortgage with XXXX which was open XX/XX/XXXX and was a XXXX XXXX mortgage. XXXX of XXXX NewRez bought the servicing of my mortgage and this is were things went down hill. My mortgage payment was only XXXX XXXX XXXX and I paid my own taxes and insurance on my own. XXXX was trying to collect for an escrow account. They even paid my taxes XXXX time and I paid them at the same time so they were paid XXXX It took me XXXX XXXX to get my tax money back. I talked to the head of XXXX customer service and they straighten this issue out. They promised me I would not have escrow and I would not ever have a XXXX XXXX  late payment on my credit because I was making my XXXX XXXX XXXX  payment of XXXX and they were looking for {$1600.00} to cover the escrow money. I paid the loan in full XX/XX/XXXX and just ran my credit and they put a XXXX XXXX mortgage late on my credit for XX/XX/XXXX. I called them and emailed them like they asked me to do and they say I was late and there is noting I they can do about the XXXX XXXX late. It was there error and now I suffer. I know what happen. For XX/XX/XXXX payment they were looking for {$1600.00} and I only paid them my XXXX XXXX XXXX payment of {$1000.00} which is the correct payment. Because I did not make the escrow payment in XX/XX/XXXX they said I did not make a full payment and mark me XXXX XXXX late. I paid the loan in full in XX/XX/XXXX and I have a letter from them it is paid in full without lates. I need this XXXX XXXX mortgage late taken off my credit. I have been in the mortgage business for XXXX XXXX and own many homes and this is the worst mortgage company I have ever work with. I have NEVER made a late mortgage payment. I think they do not care about me anymore because I am not their customer any more. I am looking to get a heloc with another company and this late payment is stopping me from getting the loan. For XXXX XXXX I made XXXX payments on time with this loan. Why would I make the XXXX payment late. This is so wrong and I need action taken for the horrible customer service this company gave me over the XXXX XXXX they had my loan. PLEASE HELP! 
XXXX XXXX XXXX XXXX XXXX number = XXXX Company = XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Re : XXXX Wells Fargo provided a letter indicating they had no interest in my vehicle. However it is not adequate to clear my title.

I am trying to clear my title and I contacted The Secretary of State. I was told I must obtain a proper release from Wells Fargo. See email comments below. 
Wells Fargo should contact XXXX, XXXX XXXX with any questions about how to prepare a proper release. 

-- -- -- -- -- -- -- -- -- -- -- -- -- XXXX, XXXX XXXX To : XXXX XXXX ' Fri, XX/XX/XXXX at XXXX XXXX We need a statement from Wells Fargo that is wet ink signed by an agent from the company that lists the full VIN. 

XXXX XXXX Office Operations Supervisor Electronic Registration & Title XXXX : XXXXXXXX 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
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX AAA credit card changed banks from Bank of America to XXXX XXXX New cards were issued to members but I did not receive. Multiple calls to AAA regarding this were not resolved. They continue to say new cards are on their way but I have not received. In addition possible fraudulent activity is present on my account however they continue to say I can not access my account until I receive my card. I also can not verify with AAA that continued late fees and interest will not be applied to my account since I can not make a payment. Many calls to AAA have not resulted in a resolution. I feel that my financial information has been compromised and that they are not taking this seriously.

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 2022-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent multiple ftc reports in XXXX equifax along with id and they refuse to accept it as id and process the ftc reports even after providing personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thrivepoint Financial Holdings, Inc.
State: CA

Complaint narrative:
Renovate America ( XXXX XXXX ) placed a lien on my home for home improvements. I did not know about this XXXX  when I applied for an equity loan and was denied because of this XXXX. Amount stated on XXXX is XXXX. 
Payments have been made through my property taxes from XXXX to date. Amount coming out of property taxes is XXXX. 
I have tried since XXXX to speak to someone regarding this loan to no avail.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
There is a account for XXXX that I have no knowledge about I called and tried to get it off my records

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I submitted a claim under XXXXXXXX XXXX  XXXX, for a cell phone under the Chase XXXX XXXX XXXX cell phone protection claim at XXXX. The terms of service in the guide for the XXXX XXXX on page 11 state as follows : When Does It Apply? 
Coverage begins the first day following a payment of the cellular service provider bill and remains in effect until the last day of the calendar month following payment. If You fail to make a cellular service provider bill payment in a particular month, Your coverage will be suspended and will resume on the first day of the calendar month after the date any future cellular service provider bill payment is made with Your Account. 

I provided the payment showing the payment made before the date when the benefits start. The benefits provider for Chase ( third-party XXXX - the benefit is underwritten by XXXX XXXX XXXX XXXX XXXX XXXX XXXX is stating that the coverage does not start until the beginning of the month following the payment. Attempted to call the provider at XXXX to get this sorted and they sent me the terms of service guide as attached which states exactly the above. 

She then stated to me that it doesn't start until the beginning of the month after the payment is made. I asked her what page she is referring to on the terms and conditions she sent me and she said she did not have a page. It appears they do not have the information that the credit card ( Chase ) provides to its customers. 

I explained the wording she is using is more along the lines of a different credit card that Chase Provides such as the Chase XXXX XXXXXXXX. The wording in that terms of service is : You must charge your monthly XXXX XXXX XXXX XXXX bill to your XXXX Card. You are eligible for coverage the first day of the calendar month following the payment of your XXXX XXXX XXXX XXXX bill to your XXXX Card. 

The terms of service for this card 's benefit is also attached but I did not use this card. It is being provided for a comparison of the different wording. Additionally, attached is a picture of the Chase Benefits page for the Chase XXXX XXXX XXXX showing the same information that the terms of service state that the coverage begins the first day after payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
THIS COMPLAINT IS NOT A DUPLICATE This bank has been adding to fraudulant activity. My account was closed and I was awaiting a direct deposit Chase bank accepted a deposit from the NY state taxes claiming their was a debt on the account instead of returning funds. I want my money recovered. I have documents stating and time stamped that my account was closed in XX/XX/2022 and last statement XX/XX/XXXX showed the mistakes errors of the bank stating I owed over {$900.00} on my account when my account was XXXX and Chase system created or reversed money to be owed on to the account. I had a direct deposit added in an account on XX/XX/2022, three months after the account was closed and showed a XXXX at the end on the account. They are stealing money due to glitches in their system. I then received a mail thos week in XXXX stating I now owe the same amount and funds were used on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
This is not my debit and I have let the company know that.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
this medical bill was report to my credit and is not accurate or factual I had no knowledge of this and has dropped me XXXX  points from account number XXXX original debt was XXXX XXXX XXXX XXXX commonwealth financial has placed this on my credit report with no prior knowledge of this belonging to me I ned this removed and immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc.
State: OK

Complaint narrative:
I received a letter from Nationwide Credit and Collection regarding a debt owed to XXXX  XXXX XXXX XXXX. I am employed by this company and did not receive notification of owed debt until I received the collection letter from Nationwide. A call to my employer, XXXX XXXX XXXX XXXX, and complaint regarding the debt collection tactics was made. My employer offered to waive the debt if my supervisor would send a letter to our billing department. Who has time for that? I paid the {$50.00} and asked that, in the future, they please invoice me prior to sending me to collections. Payment confirmation # is XXXX.

Company response to consumer: Closed with explanation