vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I received a merchant refund via square bank/CashApp. I called CashApp and was told that Cashapp could not and would not release the funds to me in order to protect my new account. Problem is that the merchant refund went to a previous CashApp account of mine which was closed due to consistent fraud via CashApp. Although I attempted several times to resolve the issue via CashApp and on my own, fraudulent merchants continued to try and directly debit money from my account. As per CashApps request, I changed my CashApp debit card 3 times and changed my email address. To no avail, and it became apparent to me, that the issues did not lie within the debit card but with account and routing number for square bank, as the fake merchants continued to try and debit my account. So, to help myself, I canceled XXXX XXXXXXXX and opened a new account, XXXX XXXXXXXX Upon realizing that that my granddaughters school had refunded ( merchant refund ) a {$120.00} deposit to the old account ( $ XXXX ), I immediately called Square/CashApp to have them either transfer the refund to my new account or mail me a check. They refused to do either citing security reasons and will not give me any further information on how to proceed in getting my money back. Shortly before I close the first account, I received a letter from CashApp informing me of a rogue employee who stole information and that my account was not affected. Being that CashApp states explicitly that they will not give me any information on why the money will not and can not be forwarded to me as per security issues, even after I have given all of my information from the previous and new accounts, how do I get my money back with all the security issues that Cashapp says are preventing me from accessing my money? In addition, CashApp sent me an e-mail stating that unclaimed money is then forwarded as escheat. How could this happen when I am asking for my money? I have no idea as to what the real time security issues are and CashApp wont reveal what I need to do to resolve the issue. Square simply says they will not provide me with any detail. Once this issue is resolved, I will be closing my account and since I do have several real bank accounts, including XXXX XXXX, XXXX, and XXXX. I only used Cashapp as a convenience to send and receive money to and from my children and grands as CashApp has a feature to close the card at will. However, this feature does not affect or apply to direct debit from a merchant- which is the reason for closing XXXX XXXXXXXX. I will also direct my 5 children and 10 grands to close their accounts too because this is not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the multiple written letters and complaints I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus are must comply with the FCRA section 605b which states that the Credit Reporting Agencies must block and remove any Account and information that the consumer identified as a result of identity theft. The following personal information : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX : accounts : XXXX XXXX XXXX XXXX  XXXXX Balance {$5700.00} ; XXXX XXXX XXXX Balance {$260.00} ; and inquiries : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX/XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; are not affiliated with me nor I receive anything as result of Identity Theft. I reported the Theft of my Identity to the FTC and have attached copies of the FTC 's Identity Theft 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 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/2022 our account was accessed by a hacker despite TD bank advertising fraud protection. The hacker managed to drain our accounts over several days. TD bank has not been wiling to help us find or resolve this issue even though they have the hackers bank information where they sent the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westcreek Financial
State: FL

Complaint narrative:
West Creek Financial XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX DEAR SIR/MA'AM I am writing to request several account documents from your company since you have reported a charge off on my Consumer Reports. I am requesting all of the following documents to be sent to me as soon as possible GAAP LEDGER, DOCUMENTARY MATERIALS, BOOKKEEPING ENTRIES and ( ALL OF MY PAYMENT INVESTMENTS INTO THE ACCOUNT ), YOUR ACCOUNTING METHOD ( ACCURAL ) IRS MANDATED FORM 1099-C should be filed by your company since this debt is greater than {$600.00}, PLEASE SEND PROOF. 

Your company is legally obligated to send me a 1099-C as well to file on my personal taxes. I am requesting your company also send the AUTOMATED UNIVERSAL DATAFORM used to communicate with each Consumer Reporting Agency. 

Most importantly please send your copy of the signed contract. Cease all Consumer Reporting AS SOON AS Receipt of this letter until you have completed my full request. If you are unable to send ALL of the following documents for any reason, PLEASE CEASE ALL CREDIT REPORTING. 

What is the name and address of your CEO/COF of your company? 

XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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 XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2022-05-30 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C. 1661 section 602A. States I have the right to privacy 15 U.S.C. 1661 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus look more than 30 days to complete my investigation here my certified tracking number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: CA

Complaint narrative:
Despite the multiple written letters and complaints I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus are must comply with the FCRA section 605b which states that the Credit Reporting Agencies must block and remove any Account and information that the consumer identified as a result of identity theft. The following personal information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : accounts : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX XXXX XXXX Balance {$260.00} ; and inquiries : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; are not affiliated with me nor I receive anything as result of Identity Theft. I reported the Theft of my Identity to the FTC and have attached copies of the FTC 's Identity Theft 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 2022-05-30 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: CA

Complaint narrative:
Despite the multiple written letters and complaints I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus are must comply with the FCRA section 605b which states that the Credit Reporting Agencies must block and remove any Account and information that the consumer identified as a result of identity theft. The following personal information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : accounts : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX XXXX XXXX Balance {$260.00} ; and inquiries : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX ; are not affiliated with me nor I receive anything as result of Identity Theft. I reported the Theft of my Identity to the FTC and have attached copies of the FTC 's Identity Theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2022-05-30 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 XXXX Account # XXXX & XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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 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 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 2022-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX service my loan when I purchase my home end of XX/XX/XXXX2021. My homeowners insurance policy XXXX was furnished by XXXX XXXX at that time. Shortly after I purchase my home, an institution name Mr. Cooper purchased my loan from XXXX XXXX XXXX. In XX/XX/XXXX 2022, Mr. Cooper ( Nationstar ) sent me a notice letter stating my homeowners insurance lapse and requested proof of insurance. I immediately contacted XXXX XXXX for more information. XXXX confirmed the homeowners insurance was cancelled XX/XX/XXXX 2021 and a cancellation letter notice mailed to XXXX XXXX XXXX. I immediately secure a new homeowners insurance policy XXXX with XXXX and update Mr. Cooper with a copy. However, Mr. Cooper decided to force-placed an insurance on my property for over {$16000.00} back dated to XXXX 2021 despite admitting of being notified and failed to notify me and waited almost a year to do so. I honestly believe this is a common practice of this institution and will consult an attorney to explore my options. As I am writing this complaint, XXXX insurance still owe me the money paid up front for the homeowners insurance policy that was cancelled in XX/XX/XXXX2021. I am awaiting to hear from Mr. Cooper because this is outrageous and spiteful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: AES/PHEAA
State: CO

Complaint narrative:
I have tried to contact Fed Loans XXXX several times in regards to my student loan. I am a frontline worker, and served in the capacity of such during the pandemic. Although my loan was not needing to be paid on during the pandemic, I still worked for the non-profit during the entirety of the pandemic period. 
I submitted my Public Student Loan Paperwork to Fed Loan Servicing back in XX/XX/XXXX. I have called numerous times to get this fixed. 
I started payments on my loan in XX/XX/XXXX. This means that with the paperwork I have submitted, I should have on record with Fed Loans a total of 84 to 85 payments made. Fed Loans is continuously only showing 61 payments made. This means that Fed Loans is not counting two years of payments. 
I have tried to resolve this on countless occasions by calling. Each call they advise me that they show my paperwork was submitted and that they have it. Only when I do call, I'm told to " Give it a couple of weeks, and it will be taken care of. '' As you can imagine, I checked today only to see that I'm still at 61 payments. 
I clearly can not rectify this by calling or e-mailing Fed Loans Servicing ( MyFedLoan ) since they don't do anything to rectify the problem. 
I don't know that I have to do to get Fed Loans Servicing to count my Public Student Loan Forgiveness payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 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 2022-05-30 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 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 2022-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 2. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 3. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 4. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 5. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 6. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 7. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 8. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 9. invalid inquiry XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 10. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 11. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 12. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank You Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/XXXX  but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : US DEPT ED XXXX Balance {$310.00} XXXX : DEPTEDXXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$310.00}

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