vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 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: CA

Complaint narrative:
i have 2 student loans for my XXXX XXXX XXXX i had in my reports that i do not have to start payments until XX/XX/2016. 
In XX/XX/2016 i started receiving calls from XXXX XXXX and Eduction Department saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based  payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit

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 2019-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Okay this complaint is with Cash App or better known as Square , INC. I brought some tickets with my debit card from XXXX XXXX. When i got to the gate of XXXX XXXX there was a mishap and we had to go to the customer service desk. When i gave them the confirmation number they asked for photo ID but i lost it in the uber coming to the park. So to make things worse the supervisor said he COUNLD NOT honor the tickets and agreed to refund the full payment to the cash app card that i brought them with. Well unbeknownst to me cash app froze my card and closed my account. I tried talking to them about this for more than 3 weeks, NO  ANSWER ... i called XXXX XXXX  and they CONFIRMED THAT THEY SENT THE REFUND TO THE CARD ON FILE. So im just trying to get my refund for the tickets. The total of the tickets was {$250.00}. All i want is my money back i did nothing wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
There is a collections on my credit report from CBA Collection bereau of America in the amount of {$290.00} reported XX/XX/2019. I wasn't me, my social security number was used by someone else. I have tried to contact them without any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: CA

Complaint narrative:
I sent dispute letter with my attached proof from XXXX to XXXX  and XXXX  in 2017 requesting them to update my credit report. I got response back from XXXX  in a email stating they only could update my credit report once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my checking account was low on funds and I had a {$2000.00} mortgage payment being automatically withdrawn from my account on XX/XX/XXXX. I get paid on the XXXX, so i went to my credit union, SAFE, and I got a cashiers check of {$2500.00} to cover the mortgage payment. Running short of time, I used my banking mobile app to deposit the Cashier 's Check and completed the {$2500.00} deposit on the XXXX of XXXX. 
Today, I tried to use my ATM card and it was rejected. Slightly embarrased, I was confused because when I deposited the check it said it would be available the next day, which was the XXXX. Subsequently, today in my account it said, " Deposit Hold {$2500.00} Total amount delayed, available XX/XX/07 at XXXX XXXX PT ''. The funds had been removed from my account and held without compensation. This was a Cashiers Check I deposited which is guaranteed funds on the bank it was drawn on. There is no logical reason, or policy to put a hold on guaranteed funds. More importantly, when I called Bank of America Customer Service to discuss this and see if there was anyway to release the Cashier 's Check, they said no policy would allow anyone to release the funds. My money was being held hostage for 8 days. In addition, the Customer Service Rep let me know their was " Confidential '' note on my account, but he could not access it. This reeks of abusive banking practices, retaliation for my previous complaint and the hold on the check is completely unjustified and, I assume, illegal, but I digress. I was also assessed a {$35.00} overdraft fee for my rejected mortgage payment. When I received my pay check today, I was so traumatized by a cashiers check being put on hold that I went to my credit union to deposit it and withdrew {$2500.00} cash so I could cover the money that the Bank of America has illegally removed from my account. I did trust B of A to deposit my check there and I won't anymore. How can they take money from innocent people and sit on it for 8 days. In addition they make money on it. It is just plain piracy.

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 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I noticed on XX/XX/XXXX that XXXX XXXX XXXX fraudulently placed a negative account in collections in my name. The date of the account is XX/XX/XXXX. I did not open an account with XXXX XXXX, therefore, this should not be on my record. I have filed a police report and identify theft report with FTC.

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 2019-02-01 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: Social Finance, Inc.
State: CA

Complaint narrative:
I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX  1. Sofi lending XXXX 2.  XXXX XXXX XXXX XXXX, 3.XXXX XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5.XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX XXXX XXXX 8.XXXX XXXX XXXX XXXX 1.XXXX XXXX XXXX 1.XXXX XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
showing that thois account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.

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 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
On XX/XX/XXXX I received correspondence from Statebridge Company regarding forced placed insurance on my property, loan # XXXX. Although Statebridge claims to have removed the forced placed insurance effective XX/XX/XXXX, stated in a letter dated XX/XX/XXXX, Statebridge continues to assess me for forced placed insurance according to the XXXX mortgage statement sent by Statebridge on XX/XX/XXXX ( statement dated XX/XX/XXXX ). 
In the correspondence letter from Statebridge dated XX/XX/XXXX ( received XX/XX/XXXX via CFPB ) states, " As of the date of this letter, your account with Statebridge is reflecting a current status with a next payment due on XX/XX/XXXX ''. 
To the contrary, the XX/XX/XXXX statement sent by Statebridge continues to demand payment for forced placed insurance and lists late fees. I contacted Statebridge and spoke with a woman by the name of " XXXX '', ( Team Lead is her title ), whom has informed me that the letter I received from Statebridge dated XX/XX/XXXX, claiming to have cancelled lender-placed insurance on my property as of XX/XX/XXXX, is incorrect. XXXX seemed to feel that she was more knowledgeable than whomever was communicating with the CFPB and questioned the validity of the documents sent as attachments from Statebridge, in response to my complaint. Ms. XXXX has further complicated this matter with her contradicting statements and brash demeanor. I requested a mortgage statement reflecting what " XXXX '' was stating, as she informed me that the current statement sent to me was also incorrect, but she said she could not or would not be forwarding a correct statement. XXXX instructed me to send in a payment different than the amount demanded on the mortgage statement I received for XX/XX/XXXX payment. 
This has to be one of the most dysfunctional companies I have ever had the displeasure of dealing with. 
It appears I have no other option to get a straight answer, than to seek legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I noticed an unauthorized transaction in the amount of {$1200.00} on my checking account. I called my bank, Ally, to open a dispute and they advised they had and that I should be receiving paperwork to fill out and return to them soon ... 5 days later nothing had arrived and I checked online and they are showing my dispute as " closed '', I called they assured me the documents they want me to fill out should arrive soon ... 7 days later I can still the dispute still showing " closed '' and no documents have been received in the mail. I called back, the bank representative said he wasn't sure what was going on so I asked for a supervisor, the representative put me on hold for 20 more minutes and eventually just hung up on me ... I'm over a week in, multiple phone calls and hours on hold, and I don't even know if they are looking into this dispute or not.

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 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In 2016, a former apartment community, XXXXXXXX XXXX  XXXX XXXX ( XXXX, CA ), tried to charge me for repairs & cleaning after I moved out, without providing me an itemized receipt of these charges. This apartment had burns on the carpets and stains before I moved in and I don't even smoke! They took my entire deposit of {$1100.00} ( 600+500 pet deposit ) PLUS billed me for an additional {$1200.00}. I did not get a " pre-move out inspection '' because I know that I took care of that apartment while I lived there for 2 1/2 years. I attempted to obtain an itemized receipt from the leasing office approx 20 days later and the leasing agent told me they had sent me to collections already and had no receipts to provide me. This debt was sold to IQ DATA INTERNATIONAL INC, who has since increased my balance to {$1700.00}! Charging over {$500.00} in interest on a non-interest bearing account. I never received written notification of this debt, as I moved. I did forward my address as well and have seen this negatively affecting my credit score month after month but never received any proof of the charges. They called me while I was at work, I gave then my current address but told them I needed proof of these charges, and then asked how they can legally charge me interest on this account. XXXXXXXX XXXX XXXXXXXX XXXX ( CA ) is no longer in existence and the apartment complex is now owned by XXXX XXXX XXXX. Today, I called XXXX XXXX to attempt a copy of any receipts they might have. I was told they don't have records prior to late 2016, I gave them my name and they found nothing. There is no proof that I even lived at this apartment complex according to their current records. I should not have to pay for fraudulent charges with no proof they exist, and continue to have this affect my credit report.

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 2019-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: MS

Complaint narrative:
I got a loan from XXXX XXXX for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. Trueaccord is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent dispute letter with my attached proof from XXXX to Experian and XXXX  in 2017 requesting them to update my credit report. I got response back from Experian in a email stating they only could update my credit report once.

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 2019-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NY

Complaint narrative:
i purchased a vehicle from westlake financial i paid all but XXXX and they know i get paid on the XX/XX/XXXX of the month i am on retirement they call my house 20 times a day sometimes they hang up and sometimes they disconnect calls and argue over XXXX which i told them would be paid the XXXX of the month every month they called my house again at XXXX XXXX   waking upo the grandkids and they call right up to XXXX XXXX my time isnt that way to late to call. i want it to stop stop harrassing me over XXXX and i told them the XXXX of everymonth it is paid not my fault my bank sends them out the XXXX of the month. i pay all bills with online banking they get notified of the payment and have not called me til recently and frequently during the day it needs to stop. the car i got was a lemon i paid XXXX for a car that cost me close to 5000 to repair and to my surprise there warranty is not valid it doesnt cover anything and they new this car was in a flood and the back frame fell off the truck when my kids were driving the car there lucky it didnt cause an accident. stay away from XXXX XXXX  in XXXX  XXXX  and do not ever go thru westlake financial both rip offs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
My XXXX does not reflect the correct amount paid for property tax. I have contacted the mortgage holder ditech 3 times to get it corrected and it is still incorrect, The law requires a XXXX be delivered by XX/XX/31 and delivering an incorrect one amounts to not delivering one. It is impeding my tax filing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: Clarity Services
State: CA

Complaint narrative:
I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX  1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, 3.Clarity Services Inc XXXX 4.XXXX  XXXX XXXX  XXXX 5.XXXX XXXX XXXX XXXX XXXX 6.XXXX  XXXX 7.XXXX XXXX XXXX  XXXX 8.XXXX  XXXX XXXX XXXX   1.XXXX XXXX XXXX 1.XXXX XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX 1. XXXX  XXXX  XX/XX/XXXX 2. XXXX/XXXX XXXX XXXX XX/XX/XXXX, 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XX/XX/XXXX 6.XXXX   XX/XX/XXXX 7.XXXX/XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX   XX/XX/XXXX XXXX  1.XXXX/XXXX  XX/XX/XXXX XXXX   1.XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
In XX/XX/2018, a debt collector - Absolute Resolutions Investments LLC- initiated a civil suit to collect an alleged balance owed to a credit card company -XXXX XXXX XXXX XXXX XXXX . Neither debt collector nor credit card company provide me with notice of the debt prior to filling the suit. Neither provided me notice of the right to dispute the debt. I have since requested validation and verification of the debt and now await a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My identity was stlen and someone had tried to open up cards and pull unauthorized hard inquiries with my credit. 
XXXX 1.XXXX XXXX 2 XXXX XXXX XXXX 3.XXXX XXXX XXXX   XXXX XXXX 4.Syncb/Walmart XXXX XXXX 1.XXXX XXXX, XXXX and 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 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX  Card services has been calling my cell phone 2-3 times a day every single day for past several weeks. Even after requesting them and writing them to stop contacting me by phone. I plan on paying my debt I am just jobless after a move. The company has ramped up its calling efforts and is now calling me more then 2-3 times a day. I had 6 calls today alone from them. I want them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, Equifax, XXXX, and XXXX. Added a Fraud Alert on each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, XXXX, XXXX, and Experian. Added a Fraud Alert on  each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.

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