vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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: NC

Complaint narrative:
I have CONTACTED THE CREDIT BUREAU on multiple occasions regarding discrepancies on my account and they failed to comply with my demands, I am contacting you CFPB because pursuant to 15 USC 1681n ( b ) ( 2 ) I am a consumer and natural person and XXXX, XXXX and Transunion owes me {$1000.00} per violation, for willful non compliance.

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 2022-08-25 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: NC

Complaint narrative:
I have CONTACTED THE CREDIT BUREAU on multiple occasions regarding discrepancies on my account and they failed to comply with my demands, I am contacting you CFPB because pursuant to 15 USC 1681n ( b ) ( 2 ) I am a consumer and natural person and XXXX, Equifax and XXXX owes me {$1000.00} per violation, for willful non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently tried to apply for a business loan and was rejected because XXXX, Equifax and XXXX do not have up to date credit reports on my credit file. The last documented credit reports are as follows .... 

XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX I have made several attempts to contact XXXX and never get through to anyone. I have sent them a message and finally received response today and they are pretty much saying the issue is on my end. Which is inaccurate. Even the creditors are seeing the same thing. 

Equifax is stating they can see a recent credit history but won't give details. Even when I login to their site, it says they can not help me and that I need to call the XXXX number to speak with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC

Complaint narrative:
Between the years of XXXX, I worked as a XXXX XXXX XXXX in XXXX XXXX XXXX. This employment qualifies me for deferment and cancellation of the XXXX XXXX I received as part of my graduate school financial aid package through the University XXXX XXXX XXXX  For almost every year that I taught in this qualifying position XXXX XXXX XXXX XXXX XXXX ECSI XXXXXXXX has found one convoluted reason after another to reject my application for either deferment ( beginning of the school year ) or cancellation ( at the end of the school year. ) I have had zero issues with the XXXX XXXXXXXX XXXX XXXX XXXX which, in theory, works the same way. For example, one year they ( ECSI XXXXXXXX ) rejected my application because the school district checked boxes saying I XXXX in a XXXX XXXX  ( true ) and at a XXXX XXXX XXXXl ( true ), but according to the company they were only allowed to choose XXXX option ( though both qualified me for the forgiveness program ). Most recently they have sent my loan to collections because I signed my forgiveness form with a digital signature ( which they had previously accepted and now suddenly accept again ). I have sent in the corrected paperwork, however, the company refuses to reinstate and cancel my loan. As I have fulfilled my obligation to XXXX  in a XXXX XXXX  XXXX XXXX XXXX  ) in XXXX XXXX XXXX for five years, I believe that predatory lending practices on the part of ECSI XXXX are the only explanation for the situation I am now in. As a result of their malfeasance, I am not able to consolidate my other student loans for income-based repayment and PSLF because I do not want the XXXX Loan ( which is supposed to be canceled ) to be a part of that consolidation. ECSI XXXX needs to restore my loan and honor the cancellation I have rightfully earned. They also need to be prevented from preying on other lenders. I am attaching the form I originally sent during the XXXX school year that was rejected. ECSI has failed to even acknowledge the second form I mailed to them at the end of the XXXX year for cancellation. Unfortunately, I can not currently locate my own copy of this document, but I am confident my school district will again verify the completion of my contract at the end of the XXXX school year. It is, in fact, VERY EASY to verify that I have fulfilled my 5-year XXXX requirement. They are intentionally and obstinately ruining my life. Thank you for your help in resolving this distressing matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
There are hard inquires showing on my credit report on dates XXXX, XXXX, phone number XXXX NAVY FEDERAL CR UNION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was asked to pay {$300.00} for a vacuum cleaner. I did on XX/XX/XXXX. I was then told they'd refund me, because it'd make their life much easier if I could instead pay their business account. 

They sent a picture showing that they had refunded me, and had them split the next invoice they'd send me in two. One, to pay in the short term, and another to pay once the refund showed up in my bank account, because I didn't have enough money in my account to pay the full {$300.00} at once. 

Until this point, this seems like something that is entirely my fault. After this, however, I did receive an invoice from a business account. ( Pictured in attached images. ) I figured, okay, CashApp considers this guy to be a business owner, so it must be legitimate. 

I paid the first new invoice ( worth {$50.00} ) on XX/XX/XXXX. 

I then spoke to two CashApp support agents to attempt to see if he actually sent the refund. They said he didn't. It soon became clear I was scammed, and CashApp mislabeled a scammer as a business owner. 

In trying to collect information to report the scam, it became pretty clear to me that this is someone who used two accounts to scam me and who owns several other accounts to scam others. One of the accounts used to scam me was a business account, raising the question of if CashApp did any verification or background checking at all before giving them the business label, and of what the point of labeling accounts as businesses is on CashApp if it provides no assurances to buyers. 

I was scammed by someone whose username and real name matched many almost identical accounts ( very similar name patterns in the usernames, similar appearance on some account pictures, same name registered to those usernames, etc ) on CashApp. and have found by typing in his name into CashApp that ( based on the common suffixes ) CashApp has allowed him to create many, many obviously near-identical accounts without doing anything to stop the scammer. I imagine that doing similar on XXXX. XXXX would be nearly impossible, because XXXX actually collects your identity and makes you do a ton of work to verify people, their businesses, etc. CashApp, on the other hand, has just been enabling this person 's scams and, in the process, endangered me and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AR Resources, Inc.
State: FL

Complaint narrative:
AR Resources INC ( 1 ) is not dating their letter/correspondence or envelope ( 2 ) is not giving a time period in which to dispute ( 3 they are not giving an address in which to direct a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
Hello, Ive had issues with chime banking institution. ( XXXX XXXX  ) for over a year now I last year in XXXX unfortunately went through and suffered an XXXX scam. XXXX was great I contacted XXXX they emailed me on who I get a hold of sent me all numbers to call for the Federal trade commission and etc the Federal trade commission then help me get my money back well some of my money some of my purchases with this scam was through XXXX and some of them were through regular retail stores where I would purchase an XXXX card over the counter with a cashier. I also had purchase an XXXX cards online through key to benefits card got my money back with them as well they were awesome worked great with the federal trades commission and XXXX. The only place that I did not get my money back with is chime and I have tried over and over and over again to get my money back and every time my dispute is literally settled and literally 24 hours they don't investigate absolutely anything and they always deny your claim always deny it. I literally have every bit of proof of everything I have just stated and yet they still deny my claim to my money I have pictures and receipts to prove with the XXXX gift cards that were purchased in store with the cashier literally the card and the receipt everything matches the times day of the transactions absolutely everything. I was refunded from XXXX to the chime account cuz I paid online for the XXXX XXXX XXXX XXXX so it was through the time card that was paid but it was a card that was connected to XXXX the only money that I had got back from that scam with chime is from that transaction every other transaction they tried to say oh they gave me the money back that one the {$150.00} is the same exact transaction as the one that was refunded through XXXX and it's not as slowly a completely different date different time everything. Like I said all evidence is XXXX XXXX  there like this is even a far XXXX to investigate literally any kind of investigator could literally see it and be like okay all this literally matches up there and not only just that I you know like one the case with the Federal trade commission they literally help me get back my money from XXXXXXXX XXXX to benefits with XXXX all that and it's just chime bank that literally constantly disputes my cases and says that they find no error occurred which makes absolutely no sense. And I once again tried the Federal trade commission they can't really enforce anything so this was one of the recommended places to go for my case I'm really just trying to get this off like I said it's been over a year and I still can't win this case in without a doubt this is definitely winnable for me like I said I had already got refunded from every other place with this scam just really looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
The collage I went to ( XXXX XXXX ) is no longer accredited nor did anybody receive their diploma. The loan has tacked on so much interest and the school is no longer. I feel that the whole loan should be forgiven due to the severity of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: SC

Complaint narrative:
World Finance has repeatedly called me before and immediately after making a {$150.00} payment towards the {$550.00} balance reported on my credit report since XX/XX/XXXX. 
Due to a job layoff, I have not been able to focus any payment toward the reported {$400.00} balance and have had to address more immediate needs as a result. As a result, also addressing my financial and credit situation I have reached out with the attempts to verify the correct amount and reported credit information I have not received my request via mail from the company instead have gotten updated credit reports still displaying the {$400.00} balance and address XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Today ( XX/XX/XXXX ) XXXX told me XXXX XXXX XXXX XXXX XXXX was the right address but ( not listed on the report ) and that I was not eligible for a Goodwill Letter with the request to settle the account. 

XXXX has called several times from XXXX but asked for a callback to XXXX ext XXXX. When I called the number couldn't be reached and I called back to XXXX only to be told by Sup XXXX that the XXXX XXXX XXXX XXXX XXXX was the right address with denial about knowing XXXX XXXX XXXX XXXX, SC XXXX and return mail that she claims were not received. I have verification of other mail coming from XXXX XXXX XXXX XXXX, SC XXXX. Yet this time I got an apparently opened and retaped return undeliverable letter that was not stamped or signed on the green verification card. Sup kept referencing payment arrangements like XXXX but not taking ownership when I expressed FDCPA under sections XXXX law about incorrect information. And I will attach the law as it states under the FDCPA *All XXXX Credit XXXX XXXX have XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX listed as reporting on my credit report which was updated on XX/XX/XXXX. Yet when calling credit bureaus they have XXXX XXXX XXXX SC which contradicts the fact that the updated address that they claim has not been reported or updated referencing accuracy. " XXXX kept saying she did not know why this was being the reported address ''. She wanted me to speak with the compliance department, however, I opted for no repeats due to the constant call of harassment under the FDCPA section 806. She also asked for my email address which should already be on file with the correct information. *Whole account number not listed just the last 4 numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX on my report is incorrect. 

This account is reporting to be charged off. If the account is charged off, how can it have a balance and how is it reporting every month. According to the law if the account is charged off and the company has charged it off it should not be reporting with a balance, Please correct the incorrect reporting on this account, The balance is incorrect as well. I spoke to XXXX XXXX XXXX ID # XXXX and XXXX ID # XXXX and they both advised that this balance is incorrect. I also have a letter from the company dated XX/XX/01 that the balance is incorrect. WHy is it still reporting incorrectly. 

How is this verified, what is the method of verification? who did you speak to?

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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX of 2022, someone hacked into our bank account and accessed our Chase Digital wallet. The person then went to the ATM at one of our local Chase branches and withdrew money out of both our checking ( {$1100.00} ) and savings ( {$240.00} ) accounts causing our checking account to drop to a {$0.00} balance. I received a notification from Chase that a couple of ATM withdraws were made that were over the limit I have set as an alert. I immediately drove to the branch and talked to the branch manager who helped close down the cards on the account in order to prevent any further charges. The branch manager worked with me to contact the Chase Fraud Department to open a claim. I also filed a police report with our local Police Department. A few days later Chase notified me that they were not going to reimburse me for the money which was stolen from my account as they claim it was my fault that the Chase Digital Wallet got hacked when we updated it through the Chase Mobile App. Shortly after they told me this the detective contacted me and told me that he had received the video surveillance and photos confirming that it was not my wife, myself or anyone we knew withdrawing the funds from our account and provided the police report showing that we indeed were victims of identity theft/fraud. Upon getting this information, I tried to contact Chase to inform them of the results from the police investigation but they continued to tell me that they would not re-investigate the fraud and that I was not going to be reimbursed for the money stolen. As for the police investigation, they are still looking for the suspect. All I am trying to do is get reimbursed for the money that was stolen as well as any overdraft fees that have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My late wife, XXXX XXXX XXXX, was receiving Social Security Disability Insurance ( SSDI ). I was her designated payee. The Social Security Administration ( SSA ) was direct depositing her payment into a checking account at Huntington Bank ( the bank ). She passed XX/XX/2018, the Saturday before XXXX. I notified the bank of her passing by phone on XX/XX/2018. The bank immediately froze the account ; to return last SSDI payment to the SSA. However, the bank did not return the last deposit to the SSA. The SSA required me, as designated payee, to repay the {$970.00} direct deposited to, and held to this day, by the bank. The SSA collected this money from me by garnishment of my monthly Social Security payment. 

I have contact the bank several times by phoning Customer Service and in person at the local branch. I have provided paper and electronic copies of the correspondence from the SSA informing me that repayment is my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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:
There are hard inquires showing on my credit report on dates XXXX, XXXX, phone number XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are hard inquires showing on my credit report on dates XXXX, XXXX, phone number XXXX XXXX XXXX XXXXXXXX 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 2022-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUTOMOTIVE CREDIT CORPORATION
State: MI

Complaint narrative:
Automotive Credit Corporation the original lender who I got the auto loan from and their lawyers/debt XXXX XXXX, XXXX & XXXX XXXX XXXX 
On my credit report they have on their records the wrong amount owed which is double or almost triple according to my credit report. 
I have a court settlement for XXXX for which it was agreed upon that I pay XXXX dollars every month till the debt is washed. I have paid this every month on time and have receipts of each transaction. My amount owed hasn't changed and in fact has shown to have increased from when I first started paying XXXX years ago ( XXXX of XXXX  ). On my credit report it shows that I owe {$17000.00} On XXXX, XXXX XXXX XXXX XXXX payment portal ( this is the company I make payments to as per the court and it states total due as XXXX which is false. Both of these companies are working hand and hand together. so I have no understanding why this is so incorrect, these companies are preventing me from getting my credit profile right and getting a proper loan. 
As of today with all of my payments up to date and on time I have paid XXXX if my math is accurate. I should only owe XXXX which is a very different # than what they show me to owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: NC

Complaint narrative:
XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX  FLXXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX     15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT  WITH OUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation