vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NV

Complaint narrative:
I've had it with square! They literally go out of their way to provide no service of any kind. There's no immediate or live super by phone. It's almost impossible to navigate help on the app and what's finally possible to, they come up with excuses as to why they don't want to help. They used an excuse of a time lapse as to why they'd not help, sighting a 60 day rule which was embedded into their impossibly lengthy read terms and conditions, knowing that 99.99 % neither have the time nor energy or legal knowledge to decipher their abandonment of responsibility masquerading as items of use. I informed of a merchant dispute I have with XXXX in which my items were never delivered, and they refused to help. I want my money now! Shame on you for being yet another thieving corporations stealing from the very people you're supposed to serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: TN

Complaint narrative:
I went to the local US Bank ( XXXX  XXXX XXXX XXXX, XXXX, TN XXXX, XXXX-XXXX-XXXX  ) on XX/XX/2019 to close my checking/debit card accounts with US Bank -- withdrawing all funds -- due to their inability to resolve a recurring ( for 3 consecutive months as of XX/XX/2019 ) monthly double-billing of my account by XXXX XXXX. I specifically mentioned this to the manager -- XXXX XXXX -- as the reason I was closing my accounts, at which time he said that it was not their fault, as they used a 3rd-party group to resolve disputes. On XX/XX/2019, I noticed that yet another inappropriate charge from XXXX  had been posted to the accounts that he was supposed to have closed on XX/XX/2019. Once I was finally able to get him on the phone on XX/XX/2019, he said that there was nothing he could do about it, that I would have to pay the charges or he would turn it over to a collection agency. When I asked for the name of his manager, he responded that " I don't have a manager ''. He could not  possibly have been any more rude and belligerent. When I forwarded a summary of what had occurred to US Bank Customer Service via the link on their website, they responded that I would have to pay the charges, leaving no contact information, but suggesting that I would need to go to the branch office to resolve the issue! They have continued to post charges to the closed account, and have indeed forwarded the " amounts due '' to a collection agency.

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 2020-02-14 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: WI

Complaint narrative:
Equifax is reporting a two open fraudulent accounts XXXX XXXX XXXX, XXXX/XXXX  as past due and three collection XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account on my credit report. I disputed this fraudulent account XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. At this time it was with a different collector called XXXX XXXX XXXX. After disputing this fraudulent account with the XXXX XXXX XXXX and XXXX XXXX XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX, XXXX. XXXX and XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Equifax and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XXXX/XXXX  credit card that is also reporting on my credit report. These accounts is not mines as it was established as a result of identity theft.I disputed these fraudulent accounts and the XXXX XXXX XXXX and XXXX/XXXX  credit card remained on my report however the XXXX/XXXX  inquiries disputed as fraud were removed. How can Equifax agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Equifax being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDICO. INC
State: SD

Complaint narrative:
I had a wage garnishment with CCB in XX/XX/2019 ... after learning that XXXX was not going to work with me because he felt I was withholding information about my income I agreed to the amount of XXXX every two weeks to fulfill the amount which was approx. {$2400.00}. The payment was fulfilled based on the order I received and my job stopped the garnishment. Sometime In XXXX, XXXX with CCB called my current employer and stated that he wanted payment for another {$2800.00}. My employer then complied because he faxed an altered document with a written amount. I NEVER received any type of paperwork nor did I agree verbally to this account as the XXXX every two weeks has put a strain on my finances. I have called my payroll department and they are not educated in the South Dakota laws concerning garnishment or wage assignment. It is very concerning that XXXX was able to call my job and STATE this info without any judgement or court order. Also that I have tried several times to call and he sends me to his voicemail and calls maybe 3-4 days later or only after I have talked to my employer and they contact him ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Man-Data Inc.
State: OR

Complaint narrative:
We moved and I havent received any mail in regards to our debt. Someone had called the new company I am working for and requested to speak to and with the HR Department in order to verify information in regards to me and to get additional information about me. Which is completely not okay at my place of work and illegal and they told the person why they needed to verify. The debt collector also didnt show proof of the correct amount I technically owe, they claimed that I was the only one responsible for this debt, however I am not. The second time I heard from the debt collector was today, again harassed at work but by being served papers by a police officer. The small suit claims indicates falsehood because it states I am solely responsible for the debt when someone else is, there is no proof of amount owed, they placed my home address as my work address and they want me to pay their fees. This has caused harm to me and my reputation within my established place of work. Within the form it shows how they are involving the HR department of my work to serve me.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XXXX  Dispute RESULTS. It denies my information informing me to CONTACT USAA. I have been doing this with USAA for 2 years now ( since XX/XX/2018 ) to NO AVAIL. Reliving only destroys my heath more. I will NOT KEEP RELIVING WITH USAA ANY LONGER ** ONCE WAS ENOUGH. This also says my request was based on MATERIAL MISREPUTATION or You knowingly OBTAINED POSSESSION OF GOODS. I need to find out what information USAA   provided to prove it AN UNTRUTHFUL RETAILATION because I filed for Ideninity Theft after NO RESOLVE OF UNAUTHORIZED CHARGES beginning XX/XX/2018. FTC ID Theft case XXXX. FTC says GRANTOR ( USAA ) by statues Must NOT REPORT ID THEFT to destroy innocent peoples lives. USAA MUST HAVE SLADERED MY NAME TO RETAILATE. USAA IS MUCH TOO HOSTILE TO MAKE SAFE CONTACT and I am set up with CFPB with CONSTANT CONTACT. USAA has had tons of contact ( *Safely through CFPB. ) XXXX, please contact CFPB to veiw the history of current contact. USAA IS NOT HONEST. XXXX, please send me WHAT I AM BEING ACCUSED OF CLEARLY AND SPECIFICALLY. My reputation has been spotless for XXXX   years UNTIL USAAXX/XX/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 2020-02-14 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: Professional Placement Services, LLC
State: WI

Complaint narrative:
XXXX  is reporting a two open fraudulent accounts XXXX XXXX XXXX, XXXX/XXXX  as past due and three collection XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account on my credit report. I disputed this fraudulent account XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. At this time it was with a different collector called XXXX XXXX XXXX. After disputing this fraudulent account with the XXXX XXXX XXXX  and XXXX XXXX XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX, XXXX. XXXX and Professional Placement Service a new collection agency. Even with a different account number it seems XXXX  and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XXXXXXXX/XXXX  credit card that is also reporting on my credit report. These accounts is not mines as it was established as a result of identity theft.I disputed these fraudulent accounts and the XXXX XXXX XXXX and XXXX/XXXX  credit card remained on my report however the XXXX/XXXX  inquiries disputed as fraud were removed. How can XXXX  agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of XXXX being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: PA

Complaint narrative:
I recently received a copy of my credit report and I discovered fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The accounts are : XXXX XXXX XXXX  / XXXX XXXX  account # XXXX amount {$510.00} XXXX XXXX XXXX account # XXXX amount {$4100.00} XXXX XXXX  account # XXXX amount {$4900.00} XXXX/XXXX  account # XXXX amount {$1600.00} XXXX XXXX   account # XXXX amount {$8400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-02-14 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dear reader I have never missed A payment and I care about my credit very much as I am in the process of trying to get a new mortgage this was in XX/XX/2018 and I didnt have the online payment set up so I made a call to the Discover customer service representative to make the payment info and the customer customer service representative him put my information on my card incorrectly which then caused my payment not to go through when you told me that it didnt go through and I didnt get notified until two months later when I already had a credit mark on my history I dont think its fair that I am paying that I am getting a mark on my history because I made my payment as you can see I even went ahead and paid them off in full with no interest APR and I have paid off all of my dad has a good person would theres no reason for me to be able to go suffer. When I spoke to Discover regarding this dispute I spoke to a couple customer representative supervisor was very unhelpful he then told me that he would try to go ahead and pull the car and went when they when he went to go pull the car in a couple days later he told me that he can not find the car but I know for a fact that I gave him my XXXX  card to go ahead and pay that balance which Ive always paid on time.I sincerely think that it would be great to have that removed as you can see my credit history and you could see my intentions as the only reason why that wasnt paid was because I got notified two months later that the card number that he took through didnt go through and I have no way of knowing that cause the point I thought I had paid it so this would be on the fall on the negligence on the behalf of Discover as well as a supervisor for not being able to go ahead and pull the car listen to the call accurately if they did they would see that Ive ever intentional of paying it. Please help me remove this error. This is discovers fault. Look at my credit history. Flawless, but that error on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: PA

Complaint narrative:
I recently received a copy of my credit report and I discovered fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The accounts are : XXXX XXXX XXXX / XXXX XXXX  account # XXXX amount {$510.00} XXXX XXXX XXXX account # XXXX amount {$4100.00} XXXX XXXX account # XXXX amount {$4900.00} XXXX/XXXX  account # XXXX amount {$1600.00} XXXX XXXX   account # XXXX amount {$8400.00}

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
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Each attempt to confirm how Caliber Home Loans is posting my monthly payments fails. I have paid all required payments, I have paid added principal, I have paid all late fees, and Caliber Home Loans emailed me a mortgage history that does not account for all of my payments. My monthly payments made via XXXX XXXX XXXX XXXX XXXX cashiers checks have been stolen by the US Post Office, and has been applied, if applied at all to a Caliber Home Loan other than my own. In XX/XX/2019 the US Post office claimed they mailed my cashiers check to the wrong state. XXXX XXXX XXXX XXXX XXXX issued me a replacement check, the lost check was never accounted for. In XX/XX/2019 I mailed a lump sum cashiers check paying three months in advance, I endorsed the back of this Security Plus XXXX XXXX XXXX XXXX check to include my property address. The bank stamped covering over my endorsement. XXXX XXXX XXXX XXXX XXXX accepted this questionable endorsement. Much Much more, will discuss as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I pulled funds from my retirement account in the amount of XXXX. I then deposited that check into 5/3 checking account via their ATM and figured that the funds would be available the next day. I was informed the next day that the funds would not be available until XX/XX/22. Not knowing this I began paying some bills, which put my account into a negative balance and began to receive charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: PA

Complaint narrative:
I recently received a copy of my credit report and I discovered fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The accounts are : XXXX XXXX XXXX / XXXX XXXX  account # XXXX amount {$510.00} XXXX XXXX XXXX account # XXXX amount {$4100.00} XXXX XXXX account # XXXX amount {$4900.00} XXXX/XXXX  account # XXXX amount {$1600.00} XXXX XXXX   account # XXXX amount {$8400.00}

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 non-monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
I paid 4 for Google play cards {$100.00} each I got scammed I guess and when I realized the scam stopped payment on the Google play cards before I could stop payment I guess two of them were used I have two that have not been used but I still can not retrieve the money. I find it insane that there is no refund and still when I first stop payment all four cards were good so I believe that the people who's scammed me use the cards but wouldn't let me use the cards and the information that you have to give to use the cards only I have. So if the information needed to use the card is the information that I have and only I have this information how come it can't be used by me but can be used by someone else?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
I left a month early on my lease and I had discussed this with the front office and they said that it was okay and that they had another person to lease it to. Since then I have been contacted to pay a debt of XXXX and then I recently received a notice that i owed almost XXXX. I have tried disputing this with the bureaus because the amounts have grown when they should have been nothing to start with and now they are absorbant. Even charging me for court costs for something that has never gone to court even. Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: FL

Complaint narrative:
Experian has caused me to be denied credit by reporting a low Fico score of XXXX as of today. The other two reporting agencies are reporting a score of XXXX. 

I disputed an entry for collections from XXXX XXXX. It was removed from the other two agencies and remains on my Experian report and they failed to verify the information as accurate. 

Ive disputed it again but the damage has already occurred.

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