vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OCMBC, Inc
State: CA

Complaint narrative:
To Loan Stream XXXX, I am requesting information on my loan status, I have signed loan docs, deposited all monies needed to close my escrow. I understand with loan connection there needs to be a correction to my debt ratio from the previous home loan I applied for. I have also provided proof of assets to close the transaction. 
I spoke with HUD on XXXX and they advised me the current DE underwriter with loan stream is the only person that can update the loan connection regarding my debt ratio to reflect my current debt ratio to purchase XXXX XXXX XXXX XXXX unit XXXX XXXX  XXXX ca XXXX. 
I have completed all paperwork necessary with the Loan Broker  XXXX XXXX at XXXX XXXX and meet Hud guidelines to purchase this home. 
I would appreciate your immediate attention to resolve this issue so I can purchase my home for myself and my family. I understand that the loan was moved to another level in Loan Stream, I really need to know the decision, So I can move fonvard with my financial plans ' Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX -- -- - Forwarded Message -- -- - From : DoNotReplyFHA XXXX To : XXXX XXXX XXXX Sent : Thursday, XX/XX/2020, XXXX XXXX  XXXX Subject : credit alert sanction Hi XXXX XXXX XXXX XXXX XXXX, you must address your concerns and/or questions to your Lender XXXX XXXX  Underwriter for guidance and interpretation of guidelines. The XXXX underwriter is empowered with the delegated authority and responsibility of reviewing the file in total and rendering the appropriate decision based on HB 4000.1 and/or any other relevant guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
Credit Corps Solutions has been calling me for years. I have repeatably told them to take me off the list of calling me as I am not the person they are looking for and have never had any debt go to collections. I have owned this PHONE NUMBER SINCE XXXXThey called me on XX/XX/20 two times at XXXX XXXX. They say they take me off the list every time but I still receive calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX operates a Business thru XXXX selling religious items online, I ordered over {$400.00} in religious and medicinal items and sent payment as requested thru XXXX, the items were never received and this person does not answer the phone and has blocked me from XXXX. I need help recovering some Of my money I dont know what else to do since I ha e tried contacting this scammer and he does now refund me my money.

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 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America closed my account without notice and told me it was a company decision. They have put myself and my family in a bind as they will not release my funds to Me until the latest XXXX. I even took steps to ensure no more payments would be debited from my account so I could get my money released. I have had Bank of America since 2006. How they have treated me has been very unprofessional and making me feel like Im scum. This has been over 3 weeks and now and would like our money.

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 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
This account was reported to collections and posted on my credit report as derogatory without the initial company, XXXX. XXXX even contacting me first. I have disputed this account on multiple sites asking for basic information supporting this debt such as but not exclusive to : a copy of the written agreement entitling me to pay the original creditor, a copy of the last billing statement sent to me from the original creditor, a copy of the exact amount from the original creditor before it was sold to a collections company, and a copy of the original creditor writing a statement entailing when the debt became due and when it was being sent to collections. Im requesting documentation that literally proves the accuracy of this debt to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: OR

Complaint narrative:
On Wednesday the XXXX of XXXX I received a cash transfer for gas from a friends CashApp Cash Card to my Card. The transaction cleared and became available funds on my card instantly. 

I tried the next day Thursday XX/XX/2020 to " Cash Out '' those funds to my XXXX XXXXXXXX XXXX personal checking account. And have attempted every day following. 

Now for more than 7 days I have been trying to get this small {$30.00} off this Cash.App Cashcard. My card is for some unknown reason disabled and every time I enable it, it disables itself immediately. I try to cash out the balance to my bank and it says I have no money, I have sent an email every single day and got XXXX canned response stating theyre having connection issues. I have sent a message every day since with no response what so ever. I have done a search of the internet and find there are thousands of complaints with the same problem beginning at the same time as me. 

There terms of service state that they are not a bank and therefore have no obligation to honor any financial policy that is expected from a financial institution. However, they are holding my money, as well as everyone else 's money in a regulated US bank account at XXXX XXXX XXXX and using XXXXXXXX XXXX as their pass through. Both of those transactions are definitely regulated by both Federal and State laws. 

According to their status page today XX/XX/2020 every thing is working and 'GOOD TO GO ' yet again I can not make the withdrawal or transfer, no ATM access, not able to use the card to make a purchase. 

They hide with no public phone number and automated response emails. You can not contact these people other than that they are owned by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
YES THIS PROBLEM HAS BEEN ONGOING WITH ME SINCE EQUIFAX BREACH MY PERSONAL INFORMATION TO THE WORLD AND THE DARK WEB. I HAVE BEEN IN A PURE AND UTTER DISTRUCTION TRYING TO GET MY REPORT BACK ON TRACK. BEFORE THE BREACH MY CREDIT SCORE WAS FAIR ACROSS THE XXXX COMPANYS. EVERY TIME I GET XXXX FRAUGLENT ACCOUNT OFF THE SAME DAY THEY PLACE ANOTHER XXXX ON. EVERY TIME I GET MY SCORE INTO THE FAIR ZONE THEY ADD A FRAUDLENT ACCOUNT. NOW THAT I HAVE GOTTEN ALL THE FRAUDLENT ACCOUNTS OFF.. MY SCORE HAS DROP BY XXXX POINTS WITH NO NEGATIVE CHANGES TO MY CREDIT FILE. WHEN FOR 2 MONTHS THE DEGROTORY ACCOUNT S WHERE ON MY FILE AS CLOSE ACCOUNTS NO REPORT STATUS. NOW THAT THEY HAVE BEEN REMOVED AND I HAVE XXXX ACCOUNT THAT ARE ALL IN GOOD STANDING. MY CREDIT SCORE HAS DROP XXXX POINTS WHEN I CALLED THEY COULD NOT SAY WHY. NOW I HAVE LESS ACCOUNT WITH THE OTHER CREDIT COMPANYS AND MY SCORE IS XXXX / FAIR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: IL

Complaint narrative:
Since XXXX of 2019 I have been reaching out to the credit bureaus regarding accounts that have been added to my credit report as a result of fraud. I did not create or use these accounts and should not be responsible for paying 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 2020-06-03 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: OK

Complaint narrative:
**Dear governor, My name is " XXXX XXXX ``. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX ================================== ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK 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 2020-06-03 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
I have filed one complaint to paypal with this email address and I had another account for business and I sent XXXX to my sister and it went thru ok and then I guess they got the first complaint and now they have put a hold on the XXXX where she can't get the money and want all kinds of ids I sent in an personal id and not that they are complete they are asking bor credit card statements and they are debit cards and some of them I don't even have any more 2 of them because I had to get different ones on the local bank here because they were hacked. and the other thing they are asking for is for me to resolve the account for XXXX and that is the one where they are h olding so much of my money. I can't resolve something they won't let me do anything in they have closed that account, they are mad because of the complaint against them. The paypal business account is XXXX. My sister can't get the money I sent to her because of this. These people are so crooked. I just want them to let my sis have the money I sent her and my money out of XXXX account which is now XXXX and some few cents it has gone down about XXXX and they say that they haven't issued anyone a refund but the money went somewhere. Please help me with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: OK

Complaint narrative:
**Dear governor, My name is " XXXX XXXX XXXX. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX REPORTED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK 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 2020-06-03 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: OK

Complaint narrative:
**Dear governor, My name is " XXXX XXXX XXXX. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
^^^^^^Dear governor, my name is **XXXX XXXX**. I have been trying to complaint about some error that exist in my credit report over the last year but none of my afford has worked. There are some of employment information and addresses that are not belong to me or our association. These error can cause bad effect in our credit report which really shouldn't happen in this harvest time. Our family barely suffer throughout the XXXX dynamic. Here are the employment information and addresses that need to be removed off my credit report : ************ ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX MICHIGAN XXXX XXXX XXXX, IL 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 2020-06-03 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander Consumer USA is incorrectly reporting my XX/XX/2020 payment as late. However, there was an executive order passed around that time stating that creditors were not supposed to report late payments to credit bureaus due to the covid-19 pandemic. and on top of that, the balance is wrong. please fix this. You are already being sued. On top of that, I had my lawyer look into some things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I was under a credit counseling program as of around XX/XX/2019, but around XX/XX/2019 I decided to quit the credit counseling program. I thought that the credit counseling program coordinator contacted all creditors to inform them of this so that it would not appear on my credit report anymore. However, after checking my credit report recently, I see that USAA federal savings bank has a remark on my credit reports stating that I am still managed by a credit counseling/debt management program when I am not. and I have proof. I sent them proof, called them and they still refuse to remove the remark and take me out of the program on their end. This company is hard to deal with. Ive heard some bad things about this company and I want nothing more to do with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
I tried to deposit a perfect-fully good check {$8000.00} by a in district lawyer. XXXX XXXX President of Renasant Bank XXXX the first lie ) told me he couldnt verify the lawyers check. ( knowing my MS law its illegal to have anything over {$3500.00} in your hands ) and had me drive to the lawyers bank with wands of thousands in my hand bringing  {$8000.00} back to my bank. 

Now Im depositing {$69000.00} and another {$9000.00} into my bank account. These are perfect -fully good checks ( sender and receiver have no problem ) XXXX XXXX accused me of fraud and called me to tell the checks havent been verified yet but, hes sure they are no good ( its discrimination ) than he calls the senders bank fraud department and stirs a mess. Now we ( the sender and receiver are calling to straighten  his mess out ). 

The President of the Renasant Bank ( XXXX XXXX ) is in a deprived mind against human beings of a financial stability. He is sick and this should be addressed. 

I have reported the Federal Reserve, the XXXX has been contacted, and I contacted the supervisor of the 1-800 Renasant Bank line.

Next, Im about to sue for emotional distress and discrimination. 

I am waiting some feedback. I am in the intent to take my banking business elsewhere. 

There isnt an end. XXXX XXXX cant lie and try to damage the reputation of innocent people.

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 2020-06-03 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: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding item that is listed on my consumer credit report : Accounts Receivable Account # XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
^^^^^^Dear governor, my name is **XXXX XXXX**. I have been trying to complaint about some error that exist in my credit report over the last year but none of my afford has worked. There are some of employment information and addresses that are not belong to me or our association. These error can cause bad effect in our credit report which really shouldn't happen in this harvest time. Our family barely suffer throughout the Covid-19 dynamic. Here are the employment information and addresses that need to be removed off my credit report : ************ ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL 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