vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Identity Theft : Victorias Secret Card not requested Sent to former address Can not contact company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on April 7, 2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that this item be immediately removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX, XXXX XXXX XXXX  XXXX XXXX ( " XXXX ' ) and/or its representative Transworld Systems , Inc. ( " TSI '' ) are making a series claims of indebtedness against my retired pay account when a set-off was authorized in XX/XX/XXXX which was to continue until the debt was paid in full. The payment towards XXXX ' claim of indebtedness continued uninterrupted from XX/XX/XXXX until XXXX XXXX or thereabout when XXXX  and/or its representative TSI began contacting the XXXX XXXX XXXX XXXX XXXX ( " XXXX  '' ) and instructing them to access my retired pay account to make a series of arbitrary and capricious changes to the monthly deductions schedule by stopping the deduction while also claiming a balance due, lowering the amount of the deduction, demanding additional set-offs. These arbitrary and capricious changes has resulted in the debt period being extended, allowing for TSI and/or XXXX to collect interest and fees over a longer period of time than provided for by the initial deduction schedule but has damaged me by causing my debt to increase, the debt period being extended and extreme mental, emotional distress and financial damage resulting from those actions. 

Secondly, the Account Statements misrepresent fees charged. The Account statements issued since XX/XX/XXXX indicates that {$0.00} fees were being charged. However, during the call to DFAS on XX/XX/XXXX, or thereabout, I was notified that of the {$210.00} deduction authorized to pay off XXXX  ' claimed indebtedness only {$130.00} or thereabout, was being applied towards XXXX ' claimed indebtedness and the remaining amount went towards fees.

Thirdly, TSI refused to speak directly to my wife claiming her name was not on the account. But according to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( d ) " ... '' consumer '' includes the consumer 's spouse .... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: AZ

Complaint narrative:
On XX/XX/2021, I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax investigate these non-account holding inquiries. In addition, on XX/XX/2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Identity Theft : USAA Checking/Credit card Sent to former address Close, please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that this item be immediately removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Nationwide Credit , Inc., is attempting to collect a debt that is not overdue, is not in collection, and the account is open and current. 

I have attached copies of my OPEN account, showing the account is active with not payment due.

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 2021-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
This dept was paid, I have a paid receipt and I show my bank withdrawal for this amount. Rapid cash is claiming it's not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: SC

Complaint narrative:
Experian along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from Experian for the improper use and damages. I have attached a affidavit and the exhibit proving these things.

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 2021-04-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section XXXX letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter XXXX see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. I demand that this item be immediately removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I had extensive work done on my house last XXXX. The insurance put PennyMac on the check as well so I sent it to them for endorsement. I paid {$3000.00} out of pocket for the work, but still owe almost {$4200.00}. For the past 6 months, PennyMac had me jumping through hoops, submitting a ridiculous amount of unnecessary paperwork. I submitted everything they asked for. They continuously gave excuses for why they would not release MY funds. Documents they previously accepted suddenly had new issues. I resubmitted everything. I had their people do the final inspection they required, yet they still refuse to sent my funds. The work was done almost a year ago and they still have excuses for not sending me my money. The final inspection has been done since XXXX. I will be happy to have my XXXX file a complaint too, because they have suffered this inefficient companys circus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter XXXX see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. I demand that this item be immediately removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Several times Capital One auto finance has returned my auto loan payment. Each time I've called and their representatives have stated that the money was returned do to an issue with my checking account number. Each time I have contacted XXXX XXXX and their representatives state that Capital One is returning the payments. This makes my payments late and I incur fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: AZ

Complaint narrative:
Army, Air Force and Exchange Service XXXX " AAFES ' ) and/or its representative XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX are making a series claims of indebtedness against my retired pay account when a set-off was authorized in XX/XX/XXXX which was to continue until the debt was paid in full. The payment towards AAFES ' claim of indebtedness continued uninterrupted from XX/XX/XXXX until XXXX XXXX or thereabout when AAFES and/or its representative TSI began contacting the Defense Finance and Account Service ( " DFAS '' XXXX and instructing them to access my retired pay account to make a series of arbitrary and capricious changes to the monthly deductions schedule by stopping the deduction while also claiming a balance due, lowering the amount of the deduction, demanding additional set-offs. These arbitrary and capricious changes has resulted in the debt period being extended, allowing for TSI and/or AAFES to collect interest and fees over a longer period of time than provided for by the initial deduction schedule but has damaged me by causing my debt to increase, the debt period being extended and extreme mental, emotional distress and financial damage resulting from those actions. 

Secondly, the Account Statements misrepresent fees charged. The Account statements issued since XX/XX/XXXX indicates that {$0.00} fees were being charged. However, during the call to XXXX on XX/XX/XXXX, or thereabout, I was notified that of the {$210.00} deduction authorized to pay off AAFES ' claimed indebtedness only {$130.00} or thereabout, was being applied towards AAFES ' claimed indebtedness and the remaining amount went towards fees. 

Thirdly, TSI refused to speak directly to my wife claiming her name was not on the account. But according to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( d ) " ... '' consumer '' includes the consumer 's spouse .... ''

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 2021-04-11 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: GA

Complaint narrative:
I have paid on time for the last 5 years and it appears that regardless of what I do my credit score never gets better, which causes me problems when trying to refinance my home and obtain better rates. I'm inclined to believe that the three credit bureaus knows nationality based on names. I think as a consumer this should be investigated. Minorities do not and will not get the same treatment as our counterparts if we as a country don't look into matters that appear to be fair from looking from outside, but internally the bureaus have underlining agendas that we will never understand. Please take a look into these matters to make sure we are all treated equally as consumers. Credit suppression seems to also exist in this country as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: GA

Complaint narrative:
I have paid on time for the last 5 years and it appears that regardless of what I do my credit score never gets better, which causes me problems when trying to refinance my home and obtain better rates. I'm inclined to believe that the three credit bureaus knows nationality based on names. I think as a consumer this should be investigated. XXXX  do not and will not get the same treatment as our counterparts if we as a country don't look into matters that appear to be fair from looking from outside, but internally the bureaus have underlining agendas that we will never understand. Please take a look into these matters to make sure we are all treated equally as consumers. Credit suppression seems to also exist in this country as well.

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 2021-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
My Cash App account was closed because I allegedly violated their Terms of Service. When I was notified of this, I read Cash Apps Terms of Service and found that I had not done anything to warrant my account being closed for violation of their TOS. I contacted Cash App to resolve this matter, and Cash App refuses to explain to me what I did and they refuse to reopen my account. I have about {$7000.00} in my Cash App account as I use Cash App as my bank account and there is no way to spend or get my money out of my Cash App, as I do not have a bank account to Cash Out to. I can not buy food and I can not get paid, as my Cash Card and my routing and account numbers associated with my Cash App have been deactivated. I am certain that I did not violate any of Cash Apps Terms of Service and that the closure of my account was made in error. Cash App has failed to remediate my issue in a timely and helpful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: WY

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: CT

Complaint narrative:
I believe my Cash App account was hacked because all of my personal information is constantly being removed and whenever I put my number theres another number on there I do not know. Also, there are requests coming from people that I do not know that are asking me for money that I do not have. I have even wrote down the number and email address that was seen on my account and email as well. The email address that was seen on the account was XXXX and the number seen was ( XXXX ) XXXX. I had even went so far to reporting my card stolen in order to get a new one that would come with new routing number and account number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: NC

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 2021-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent to Transunion my XXXX  and XXXX  credit reports/files that show, I had identity theft on my credit report. For some reason, Transunion still has on my credit report and an item on my report that was due to identity theft, and as you can see from the attachments XXXX  and XXXX  have removed the item. 

I have attached the proof that XXXX and XXXX  removed the alleged debt from my credit report because it was identity theft. 
I have also sent a copy of my driver 's license and social. I XXXX XXXX XXXX is requested this no one else and my id can verify who I am. 

My ask is that unless Transunion can send me the original signed documents for the alleged debt and how did they verify the alleged debt since it's identity theft? If they can not please removed it from my credit report/file as XXXX  and XXXX  have done. 

CFPB can you look into this matter and my next steps will be to seek legal actions.

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