vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I simply wanted to change my home address on my account XX/XX/XXXX & XXXX, XXXX. I provided last XXXX of social security, date of birth, phone number, email, old address, new address, front and back of valid driver 's license and valid VA health card and selfie of myself with account numbers. Both of my accounts are in good standing and has been since accounts opened. 

They still refuse to change my address. 

I dont understand why its is so difficult to submit change of address. Not other financial institution i do business require such hoop jumping to simply change address. All billing is paperless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This past spring I received a mailer from Truist Bank offering a sign up bonus for new checking accounts. I went into their XXXX XXXX location and opened that account. While I was there, the banker informed me that I could get an even larger bonus if I set up yet another account. Which of course I did. I have many emails back and forth with that banker assuring me that all was well. No bonus ever hit. The manager gets involved. She claims to have taken it further. Still no bonus. It seems that the original banker did not know the terms and conditions and the bonus wasn't paid as the account was set up as my personal trust. I certainly think that people should be aware that they do not stand behind misinformed employees. Good thing I only brought them six figures and not seven! Obviously, I'll never do business with them again. Fascinating that I found a XXXX group that just talks about Truist Bank complaints.

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 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/2023 a collections claim was placed on my credit report under the company of Transworld Systems INC. I contacted Transworld and in order for me to verify with them but they wanted me pay them {$1.00}. I did not pay the amount requested because I did not trust the company or claim. 

I then went to XXXX and ran a credit report with them looking for collection claims. A claim on my credit report was present in the amount of {$280.00} for a utility company XXXX XXXX XXXX XXXX in XXXX Texas. Contact XXXX. I then contacted them to verify. After confirming there was an account opened under my social and name, I told them that it was identity thief as I am not a resident to Texas, do not own any property in Texas and do not have any family or friends in Texas. The rep was understanding and summitted a claim in on the company 's behalf but told me I would have to report the claim to FTC, submit an identity theft claim report, and a police report. 

I was provided with a claim number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
My employer is XXXX XXXX and my direct deposit from part of my paycheck was supposed to go into a Charles Schwab bank account ending in XXXX on XX/XX/23. No other deposits were impacted before or after. I regularly got {$100.00} into my bank account with no issues. My employer provided me the trace number of XXXX and XXXX came back and said they found nothing with that trace number. My money disappeared and I feel like someone stole from me. I want my money and I can provide statements, paystubs and other proof that this money should be there. I been dealing with both my employer and Schwab for almost XXXX  months with this issue. There has only been finger pointing and no resolulion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I XXXX, XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with EXPERIAN through the CFPB throughout the entire year of XXXX  about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents which include the following : Settlement Offer Civil Cover Sheet ( dated XX/XX/2023 ) XXXX via IRS, Power of Attorney, Fee Schedule Bill of Particulars Passport Card ( Identification )

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Our mortgage was transferred over to XXXX XXXX, and that is the beginning Of this issues. The mortgage company failed to apply the tax exemption by XXXX XXXX and overcharged us almost {$1000.00} a month for over a year. XXXX XXXX has reached out to the mortgage company, we have reached out every month to please stop over charging us. They have since reported it on my credit bureau and refused to talk to me on the phone and advise me to get an attorney in order to request notes from my account for further review of my mortgage and actually hung up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Based on my latest credit reports, I am seeing hard inquiries that I did not authorize. Below are the entries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
on XXXX i recived copy of my credit report and i noticed 3 accounts that are listed on my credit thats not mine and never applied for companies listed below XXXX  XXXX XXXX, XXXX, $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America close my business account and my saving business account without any warning don't know what happened I think it's some kind of discrimination because I'm a XXXX on small business in XXXX Florida I contact them and they can give me any reason or any excuse why they close my account I've been with Bank of America for about 20 years on my personal account and since XXXX  in the business account like I say I think it's discrimination

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Creditors are not able to pull my credit report. There is no fraud or freeze alerts. I have changed/dispute the current address on my equifax credit report to XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Equifax will need to change the report to the address as the address info will match up to what's on my lender application. They need to fi this issue as it is causing the lender to not be able to pull the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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 2023-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: PR

Complaint narrative:
I had an account with XXXX XXXX, a XXXX XXXX XXXX XXXX. XXXX was sold to Allied Interstate LLC. I paid the debt off to Allied Interstate, but it was not reported into credit. When I try to get a XXXX XXXX XXXX Credit Card is still deny the application due to default debt with XXXX  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 explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Last month, I was charged {$14.00} by Experian Credit Monitoring Services for their credit monitoring system. I never signed up for this service. In fact, they charged my brand new checking account that in no way was given to them -- not even all of my bills and subscriptions have my new account yet. 

I actually deleted my membership account on XX/XX/XXXX ( confirmation email attached ) because I have credit monitoring for nearly all major credit cards. I, myself, never enrolled in their service and never got a confirmation email of the paid enrollment. So not only was it not actually deleted, but somehow I was automatically enrolled and charged for the credit monitoring service. 

I called them and their automated system does not have a pathway to dispute membership charges or even information on how to delete the account. I asked for an agent dozen and dozens of times and was told by the automated system that I only can speak to an agent for specific things ( what those were, they never said ), even though it's within their business hours. I can't even remove my debit card information from their site so it doesn't happen again. 

So I am filing this complaint not because of a fraudulent charge, but because they never actually deleted my account, and somehow got my brand new checking account information. Why would I update my billing information if I thought I deleted my account in XXXX? 

I sent them an email, so hopefully I am able to get some further information, but I am disgusted that I am now a consumer with one of these nightmare experiences with a large corporation. Thank you for reading and accepting my complaint. Please let me know if you need any additional information. 

I have attached the email that confirms my account deletion in XXXX. A screenshot of my Experian existing account, which shares the same email of the account that was supposed to be deleted ( showing they never actually deleted my account ), and the charge that occurred in XXXX. 

Thank you for receiving my complaint. 

XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed that there was a " charge card '' account on my credit report from XXXX that was incorrect since I had never opened an account with that company. I called XXXX to confirm that there is no account. XXXX confirmed that there is no history of my name or social security number being affiliated with any account from them. Experian is the only credit Bureau to have this account on my report. I contacted Experian to submit a dispute to have this account removed from my credit report. The results of the Experian dispute were that they confirmed with XXXX that there is an account in my name with XXXX. I contacted XXXX again and they confirmed again that there is no account affiliated with my personal information. I filed a dispute once again with Experian, and the same result occurred. I contacted XXXX for a third time to confirm that there is no affiliated account, and they have confirmed this.

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 2023-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC
State: IL

Complaint narrative:
I went to XXXX XXXX in XXXX IL to cash a check for cash to go and wash clothes and my check was declined by this bunch of crooks XXXX XXXX XXXX who I have reported for the same in the past as gave thousands of others but they continue to stalk, harass and report incorrect information on myself and thousands of others across the country to prevent us from being able to have access to our accounts or use our funds!!!! Contact them now and make them remove my information from their system!! I am also contacting a lawyer about suing them!!!

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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My rent check of {$4900.00} was stolen from a mailbox XX/XX/2023. I was not aware it was fraudulently cashed until my landlord gave me a notice my XXXX rent was missing in XXXX. When I logged into Chase, I saw it was cashed by a random fake name. I opened a claim with Chase in XX/XX/2023, and it has since been closed. 

Chase said it is XXXX XXXX 's responsibility to pay me, but it takes a while. Chase told me to wait for the other bank, XXXX XXXX, where it was cashed, to respond. It has been from XXXX-XXXX 2023 and XXXX never replied so Chase closed the claim and never paid me. I filed a complaint through CFPB to XXXX, who said they DID respond and are pending information from ME and CHASE. I followed up with Chase who said we did send everything over. Basically no one is taking responsibility. I have repeatedly followed up with Chase, who says we have to wait for XXXX. and XXXX said they can't do anything until Chase does stuff on their end. 

Basically, Chase says it is XXXX 's responsibliity. XXXX XXXX XXXX CFPB response said its chase 's responsibility, or when I reach out there is NO response. I have proof of the original check and proof of the fraudulent check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I sent in a hand written letter to dispute and account on my credit report ( XXXX XXXX XXXX ) due to inaccurate information to Equifax, XXXX, and XXXX.I received a letter stating that the account information was verified. This account has been charging interest on this charge off account for very month since charged off increasing the balance even though it's been charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX  I sent in a hand written letter to dispute and account on my credit report ( XXXX XXXX XXXX ) due to inaccurate information to XXXX, XXXX, and Experian.I received a letter stating that the account information was verified. This account has been charging interest on this charge off account for very month since charged off increasing the balance even though it's been charged off.

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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Allow me to start with the fact that the financial institutions involved refuse to communicate in a legal way through email. They record all yet that is one sided. I tire of having to screen shot all, and stopped all phone conversations as they did not do as they said. From a legal standpoint, I will not communicate with them in any way other than email. 
This complaint relates to my XXXX XXXX credit card of thirty years, and is directed at : XXXX XXXX XXXX , the original account provider. 
XXXX XXXX , the purchaser of said account. 
-Midland Credit , who currently dispute my payment. 
In XXXX of 2022 I made two separate payments of {$5000.00} to my credit card from two separate banks. Those banks were ; XXXX XXXX and XXXX XXXX. The payment from the former was credited to my account but the XXXX XXXX payment vanished, never showing on my payments. I submitted not only bank statements from the two banks from which the electronic payments were made, I also included a letter from XXXX XXXX that specifically delineates all details of the missing payment. 
For over a year I have been contesting this and hitting a brick wall. Someone stole my {$5000.00} and now my credit rating and good name and neither the finanbcial institutions nor the CFPB have been of any use. 
This debt was paid on time in 2022 and I will NEVER pay it twice! After 30 years of no problems with the same credit card, I never imagined that something like this could happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
I transferred my funds from my Inheritance to my cash app account and I thought the funds would be safe there, I was in the hospital in XXXX and I can home and tried to use my cash app account with the debit card and the card was never activated, but all the funds were taken away without my authorization and I have been working on this since XXXX of this year and the cash app people tell me that I am not going to get any of my funds back they said that all the funds were taken and put on another debit card.I have contacted cash app several times and all they do is hang up and decline my case and I am sick of them not trying to help me figure this all out. They should have a way to find out where my money has gone to buy the ip address and the debit card number, I would be so pleased if you could help me in any way possible to get my money back the amount of money that was take from my account is in the amount of {$28000.00} and cash app says I am sorry mama but there is nothing that they will do to get my funds back. Please help me. 
My Phone number is XXXX if you should need to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

It's been almost 30 days and XXXX and XXXX were able to delete those inquiries that I have disputed with them. They were able to provide the resolution within a few days. I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation