vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Transunion, and XXXX has been violating my rights : 15 USC 1681 sec 602b I have a right to my privacy 15 USC 1681 sec 604a communication. reporting agency can not furnish my information without my written consent XXXX XXXX  XX/XX/XXXX I don't know of this account that is paid - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I don't know of this account that is paid - 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 2022-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX, and Equifax has been violating my rights : 15 USC 1681 sec 602b I have a right to my privacy 15 USC 1681 sec 604a communication. reporting agency can not furnish my information without my written consent XXXX XXXX XXXXXX/XX/XXXX I don't know of this account that is paid - XXXX XXXX XXXX XXXX XXXX XXXX  don't know of this account that is paid - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/2022 I received my pension on my us bank reliacard. I tried to use my card but was unable to. I called reliacard and was told I needed to go online and verify my I'd as my card had been defrauded of money, I told them that I did not authorize that transaction. I received a new card and the money back that had been taken. I went online twice to the website to verify my identity on the XXXX and XXXX of this month, I also sent a copy of my oregon drivers license front and back with the information they require in the mail to the address they gave me. I have been calling reliacard periodically to see if the block has been removed from my card each time I'm told that they havnt received anything or any proof that my identity has been verified. This is my only income, I'm looking at eviction, my bills are very late I also ca n't drive my truck as my insurance policy was cancelled due to nonpayment. I've done everything reliacard has asked me to do and when I call they are not helpful at all. Then I was told that there is no guarantee that the block will be removed from my card if and when my identity is verified. Please help!

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 2022-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
My home was damaged as a result of Hurricane Ida. In XX/XX/2022, my insurance company issued a check to me, my wife and Carrington Mortgage Company, in the amount of {$110000.00}. Those funds were turned over to Carrington Mortgage and we have incurred obstacle after obstacle when attempting to have Carrington issue funds to us for repairs.

1. CONTACT WITH FILE OWNER : We could never get in contact our original designated file owner ( XXXX ). This is the person who is designated to handle the disbursement of our loan funds. In spite of several phone calls and voicemail messages, XXXX never responded to us and we were always rerouted to other representatives who had no knowledge of our case. 

After TWO months of total chaos, we were issued two disbursements of {$15000.00}, for roof replacement and {$33000.00} for replacement and finishing of all drywall. 

Due to the issues with our prior file owner, we were assigned a new file owner XXXX XXXX XXXX. 
Nonetheless, we have experienced the same difficulties in contacting XXXX that we experienced with the previous file owner. We have made several calls and left several messages for XXXX. However, we have not been able to speak with him regarding our file. 

2. REFUSAL TO ALLOCATE FUNDS UB GOOD FAITH : Carrington Mortgage Company has consistently declined to issue OUR insurance proceeds to us and allow us to manage our repair process ourselves. THESE FUNDS BELONG TO THE HOMEOWNER, NOT CARRINGTON MORTGAGE COMPANY.

Carrington is insisting that it can only issue checks to contractors. Thus, forcing our proceeds to be placed into the business of accounts of contractors who we do not know. This is problematic and we have already experienced an issue with one of our contractors.

One of the previously referenced checks was endorsed by us ( homeowners ) and placed into the business account of the designated contractor. Two weeks later, we were informed that {$3000.00} of our proceeds were missing because the contractor comingled our funds with a purchase of property he closed on.

We informed Carrington Mortgage of this occurrence and that, moving forward, we wished to act as our own contractor because were not comfortable with turning over our insurance proceeds to contractors who we had no previous relationship with. 

In spite of this problem, Carrington has REFUSED to turn over the remainder of our funds, to us, and allow us to manage the remainder of our home repairs. We believe these actions are illegal and unethical. We have made several attempts to resolve this issue with Carrington Mortgage to no avail.

WE FIRMLY BELIEVE CARRINGTON IS ATTEMPTING TO WITHHOLD OUR INSURANCE PROCEEDS AND APPLY THEM TO OUR LOAN! 

WE NEED IMMEDIATE ASSISTANCE IN RESOLVING THESE ISSUES!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
As of XX/XX/2022 between the hours XXXX XXXX and XXXX XXXX, I was contacted by a person who disguised himself as my first sergeant, named XXXX  XXXX XXXX. This person informed me that I was paid incorrectly, specifically a lower amount than what I should have been paid during my recent training at basic training for the XXXX. This person then instructed me to forward via XXXX my past three paychecks in order to assist him in repaying me the proper compensation. In all honesty, I was reluctant to believing this person. So then I forwarded four payments to the XXXX user, named XXXX XXXX, as instructed by XXXX XXXX XXXX. The payments I sent are in chronological order, beginning with the earliest to the latest payments : {$300.00} ; {$540.00} ; {$870.00} ; {$280.00}. After XXXX XXXX XXXX verbalized over the phone that the payments were successfully transferred via XXXX, he hung up. I tried contacting his phone number multiple times and could not get through the line with him. I then contacted Chase to cancel these XXXX payments, which I was then informed by Chase that they can not assist because I authorized the transaction via XXXX. However, I was mislead, and now I lost the above amounts without any assistance despite me being evidently scammed. I believe this is unfair, and I am deeply scarred and financially threatened. I request assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX, XXXX XXXX XXXX, XXXX XXXX BANK XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

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 2022-06-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-23 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Block, Inc.
State: CA

Complaint narrative:
I want to file a complaint against Square. I have a small travel company located in the XXXX XXXX. We have been using Square for over 6 years. When the pandemic hit, we had lots of consumer refund requests and we didn't have enough staff to process everything on time. There were some clients decided to file a credit card disputes with their credit card company. I totally understand their decisions. Because of the disputes went to Square. Square decided to put a reserve on our account, which 40 % of all sales volume. I actually understood their decision as well because of the credit card disputes we had. 
However, as of XXXX this year, we issued more than XXXX XXXX to refunds to clients and the credit card disputes have almost disappeared. We hired new staff and tried to take care of every refund requests. But Square still keep the reserve on our account. This is becoming more and more concerning to us. 
For example, we only receive 60 % of the clients ' payment when they make a booking with us, and when they come back in 4 month and decide to cancel the trip, we are supposed to refund 100 % of the payment minus a little cancellation fee, but Square haven't even transferred us their payment. We still only have 60 % of the total payment but now we need to refund almost 100 % of what they paid! These similar transactions are draining our bank account!

As of today, Square still keeps 40 % of our sales revenue, and the amount they are holding now is {$120000.00}.

I believe our business is just one of hundreds of thousands facing the same problem, I demand Square to take the correct action and refund our reserve right now. I will share my experience with all regulatory bodies until they do. If anyone have a similar experience, please feel free to contact me, and we can together form a stronger force against this unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i didn't ask for these companies cards and don't know where they came from Experian XXXX XXXX XXXXXXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXal XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
The debt is from two ambulance rides from the main hospital in XXXX, AL to a mental health facility in XXXX, AL. 
I had filed for XXXX several years before and was awaiting my hearing. Which I won. State law grants all medical bills in relation to the XXXX case be filled under XXXX and paid in full starting on the date first filed for XXXX to the date the case was awarded. The ER and main hospital and the mental health facility filed correctly and were paid in full by XXXX. The ambulance service did not file at all as they were instructed to by both myself and the medical billing department at the main hospital. I never received any bills from them and thought the matter was resolved. Until the debt was bought by Wakefield and Associates and they tried to collect a debt that I am not legally obligated to pay and would have been paid in full by Alabama XXXX had they used proper billing procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-06-23 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: CarMax, Inc.
State: IL

Complaint narrative:
My wife and I had a vehicle loan through Carmax. We paid the loan in full on XX/XX/2021. It took two months to report hers correctly but they still havent fixed mine.

Company response to consumer: Closed with explanation