vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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: NJ

Complaint narrative:
There are a few accounts on my credit report that are invalid and not mine

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 2021-05-27 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: NJ

Complaint narrative:
There are a few accounts on my credit report that are invalid and not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
I live in XXXX but am a US citizen. I can not request a free credit report because I have no US address. I can not call any of the major credit bureau customer service lines because they are toll free or demand a zip code. Email contact has had no effect. 

9 million Americans live overseas. How are we supposed to monitor our credit for fraud?

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 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MS

Complaint narrative:
I want a full refund from cash app ( XXXX XXXX ) because I did not receive my merchandise in a timely fashion she stated allow 13 business days from XX/XX/2021 and a lack of communication. Cash app stated their unable to refund me to request my money back from XXXX XXXX. I have notified my bank of the issues I'm having with cash app all I want is for them to do the right thing if I didn't receive something I purchase and paid for it through your company your able to assist in refunding me. 

On Wednesday, XX/XX/2021, XXXXXXXX XXXX, Cash Support <emailsupport@cash.app> wrote XXXX Hi XXXX , It looks like youre reaching out for help canceling a payment to someone else. Cash App is unable to cancel or refund completed payments. We recommend that you attempt to request the funds from the recipient. 

To do so : Enter the amount of the transaction on your Cash App home screen Tap Request and fill in the To and For fields Tap Request again to complete the request To learn more, please visit Cash App Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. 

If you would like to dispute this payment, please provide the following information for each transaction in question. Without answers to each question, we will be unable to investigate further. 
Date : Payment amount : Recipient name or $ Cashtag : Reason you are disputing the transaction : In addition, to help us investigate your claim, please provide the following information : Provide the make and model of each device used to access your Cash App : Contacting us about something else? Please reply to this email with as much information as possible. 

Thank you, Cash App Support ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: MI

Complaint narrative:
IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX XXXX XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 2 unauthorized / fraudulent inquiries which are from XXXX XXXX XXXX / XXXX XXXX. i do have a XXXX XXXX account but some one else tried to apply for another XXXX XXXX card with out my permission. I have reported all incidents to local and federal authorities.

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 2021-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is additional information supporting complaint XXXX. 

XXXX claimed last week that my account had been rectified, but the numbers are not adding up. Since XXXX assumed my account for servicing on XXXX XXXX, the following big picture transactions have occurred : - Payments = {$43000.00} - Draws = {$23000.00} - Interest = {$5000.00} ( XXXX & XXXX only, I paid XXXX prior to transfer ) - The balance that was transferred to XXXX was {>= $1,000,000} - My current balance as of XXXX XXXX should be {>= $1,000,000} - TIAAXXXX shows my current balance as {>= $1,000,000} - There is {$4100.00} missing from my account, which coincidentally is the same amount as my XXXX statement payment amount due for XXXX XXXX. 

I still do not have an XXXX or XXXX statement from XXXX. I have provided a complete transaction history from today, as well as my XXXX statement showing the payment amount for XXXX XXXX. The transaction history is difficult to decipher, but I believe I Identified the errors, and highlighted them in red. I provided this information to XXXX last week, and have heard only silence in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Kass Shuler, P.A.
State: FL

Complaint narrative:
I have been trying to settle an account with XXXX. In XXXX, I had been in contact with XXXX XXXX. I called him several times in an attempt to settle my account with him, but he would not offer a settlement to resolve this outstanding balance. I left several emails and made numerous attempts to try and resolve the matter ; but XXXX XXXX refused to give an offer and never returned my calls. I believe that XXXX  is in violation of UDAAP Unfair, Deceptive, or Abusive Acts or Practices. Not offering a settlement to resolve the account, not returning phone calls, basically ignoring my efforts for resolution. Instead of them working to help me resolve the issue they just took matters in to their own hands and issued a garnishment. I have tried to contact them concerning there actions as of XX/XX/XXXX where I was asked numerous times to leave a message and have not had a response from there office. I Have requested to speak with management only to be told I dont know how to reach a manager you will need to leave a message and they will return your call. In which I have never received a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Nothing happened coronavirus came lost employment and went to work for food delivery was not making enough money to pay will not be able to pay have gotten quite I'll

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: MI

Complaint narrative:
IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX XXXX XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 3 unauthorized / fraudulent inquiries which are from XXXX XXXX / XXXX XXXXXXXX XXXX. i do have a XXXX XXXXXXXX account but some one else tried to apply for another XXXX XXXXXXXX card with out my permission. I have reported all incidents to local and federal authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: ERC
State: OH

Complaint narrative:
I logged into XXXX, to find an account that I have no knowledge of and let along DO NOT EVEN KNOW WHAT IT IS. Under the FCRA if a consumer owes a debt, they must be notified by the company within 30 days. I was NEVER notfied of any debt. I don't even know what this debt is. This also violates the Fair Debt Collection Practices Act. As mentioned I noticed the account XX/XX/2021 at XXXX. I immediately notified my attorney because I have never been in a situation like this. My attorney has filed a formal civil complaint against Enahced Recovery Co. L This also violates a bunch of other subsections within the FCRA, FDCPA , SCRA , 15 USC 1681, meto 2 compliance and many more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: MI

Complaint narrative:
IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX , XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 3 unauthorized / fraudulent inquiries which are from XXXX XXXX XXXX / XXXX XXXX. i do have a XXXX XXXXXXXX account but some one else tried to apply for another XXXX XXXX card with out my permission. I have reported all incidents to local and federal authorities.

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 2021-05-27 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: OH

Complaint narrative:
I logged into Experian, to find an account that I have no knowledge of and let along DO NOT EVEN KNOW WHAT IT IS. Under the FCRA if a consumer owes a debt, they must be notified by the company within 30 days. I was NEVER notfied of any debt. I don't even know what this debt is. This also violates the Fair Debt Collection Practices Act. As mentioned I noticed the account XX/XX/2021 at XXXX. I immediately notified my attorney because I have never been in a situation like this. My attorney has filed a formal civil complaint against XXXX XXXX XXXX L This also violates a bunch of other subsections within the FCRA, FDCPA , SCRA , 15 USC 1681, meto 2 compliance and many more.

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 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In XXXX we refinanced out home however Bank of America never released the Lien and I have been trying to get them to fix the problem since XX/XX/XXXX, it has been the worse experience I have ever had with a bank they could care less about this and they should have done there job 18 years ago. they should be paying my mortgage for the past 18 years since they did not do there job. I have reached out 7 times with no resolution????? 
The Reception no 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 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have disputed this account myself after seeing it on my credit file with nothing received nor a single response back. I was never informed or given the opportunity to dispute this before it appeared on my credit file which is wrong. I DO NOT OWE this company anything nor do I have an outstanding debt. Please help Account info Account name CREDIT SYSTEMS INTL IN Account number XXXX Date opened XX/XX/2016 Account status - Status updated XX/XX/2016 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I keep getting misinformation in regards to my employment certification form for the public loan forgiveness program. I've been told multiple incorrect things and they never update my qualifying payments section when they say they will. This is beyond frustrating and totally unfair to borrowers that can not choose their own servicer and who are counting on loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
When I cancelled my service with att and finished laying everything off. They sent me an additional bill for {$2500.00}. I asked for itemization on the bill since I didnt know what it was for. They sent another bill and it just said I owed money but didnt explain what for. I went to the closest store and they couldnt help me. Said I needed to go online. So I did and they sent another bill that was supposed to be itemized so I could see what this mystery charge was for. The bill was again not itemized so I have no clue what the charge is for. I explained I am not going to pay a mystery bill with no explanation as to what it is for. Then they sent it to collections. While dealing with them I was told I could get an itemized bill. I never have received one.

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 2021-05-27 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I set up payments in my XXXX  app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said Ally keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with Ally and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.

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 2021-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Personal information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
HMF please read this. After you " resolution '' of my initial complaint I decided to review my HMF online account page today. Surprise, nothing has changed. My account name is still incorrect and you continue to list someone else 's personal information in my account. It would be funny if it wasn't so pathetic.

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 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Our mortgage was sold to NewRez. Payments were made successfully for three months, set up auto payment, letter received all was set up and good. Payments were taken out from our bank account, payment posted on mortgage site, then received notification of lack of funds, reverse payment, late fee for four consecutive months, with no money going back into our bank account, which has the funds no question. We contacted NewRez, who then had us contact a second company, Shellpoint, who has not contacted us about resolving the issue and who has now contacted us about potential foreclosure if not paid. We have paid, money has been taken out of our bank account, and we may have overpaid at least one month for this snafu. Paperwork originated from NewRez, now that we have contacted Shellpoint, the paperwork is now coming from Shellpoint, with no notification of the company changing names or our mortgage being sold again.

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 2021-05-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to XXXX XXXX and TransUnion since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit 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 explanation
Consumer complaint received 2021-05-27 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: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: LA

Complaint narrative:
Collection company- XXXX XXXX apartments HUNTER WARFIELD , INC XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Falsely keeps reporting to my credit report an amount to my credit report that is in accurate knowing that the amount is four times what the amount should be. They have listed amount of one payment of rent which is accurately past due and I would like to resolve but also damages that were clearly listed on the wall through check sheet.

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