vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Greetings, This is a ongoing problem that's caused serious hardship. I have been with this bank since XXXX. I have all my statements. I asked for help but here 's a list of unjust treatment : 1.Allowing double billing from XXXX XXXX  XXXX 2. Allowing payments to be honored even when proof was given 3. Refusing to complete complaint form- stating it is a " merchants accounts '' and they don't get involved.

4. Ghost billing- taking money out of my account twice- for example- held {$1400.00} and {$1700.00} in the pending category which CAUSED a NSF. However, why? I only have one car and showed them my original contract but that didn't matter. The only thing posted was the {$1400.00}? But the {$1700.00} is lost somewhere in banking heaven. It was held, and never returned. This transactions doesn't appear on the original bank statement. But I have proof.

5. I deposit {$400.00} cash in the ATM but it didn't posted into my account. I brought this to the bank 's attention and showed the receipt. They put it back but later took it out. I only found this out later. I want my {$400.00}.

6. The deposit are received and posted on different days, which caused NSF 7. The monthly charges are different 8. Refused to give me Disclosures forms. 
Dates XX/XX/XXXX billed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ATM This has cost my business a great hardship. I was told by the representative " the bank consider you a risk ''. Asked for more information and disclosure. They refused. This is my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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:
To whom it may concern, I have never been associated with collection account XXXX XXXX or their utility company in question. This account must be removed from my credit report immediately. I will file a lawsuit against all parties involved if this collection remains on my credit report for longer than the time allowed for you to look into this as legislated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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:
In or around XX/XX/XXXX of 2021, I logged into my CashApp account to retrieve a deposit but was told that I'd need to order a Cash Card to continue. I went and placed an order and was met with the message : an unexpected error has occurred. Please try again later. I went ahead and tried again and got the same message. I submitted a contact request the following day, and within 48 hours, they informed me that they could not tell me the exact reason why my Cash Card order could not be placed and that I'd have to wait 14 days.

Last week, I attempted to order my Cash Card again but was met with the same result, so I contacted CashApp support and received the same response. This time, though, I ioffered to provide supporting identification documents because I believe that is what's keeping them from completing the order or disclosing information about why my order couldn't be placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 have reached out to XXXX, Equifax, and XXXX for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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:
I have reached out to XXXX, XXXX, and Experian for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This complaint is against the credit reporting bureaus Transunion and XXXX. I only have two open accounts which I have been progressively paying off all of my outstanding debt and have been receiving either no score change, too sharp of a decline in score, or too little of an increase in score. I have attached evidence obtained from XXXX XXXX to support my claim. In particular, there has been one recent instance with XXXX, whereby my open credit card account balance was duplicated on my report, such that it appeared that I had two XXXX XXXX  accounts when I only have one open account, and when XXXX finally removed the account from my report, I received a decrease in credit score. Throughout this year dating back to XX/XX/2021, the credit bureaus have either chosen to not administer a change in score, administered a score of only +1 or +2 pts, or rushed to administer a decrease in score that does not match the change in activity that is supposed to be the basis for the score change. I am hereby asking the CFPB to step in and confirm that my credit reports are being legitimately composed and updated by the credit bureaus Transunion and 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 2021-10-07 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: GA

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results form identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PROTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM 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 explanation
Consumer complaint received 2021-10-07 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PROTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I called Westlake Financial, requested information such as auto loan interest rate, copy of the note, ( credit agreement ), and payoff. The agent stated they would mail the information to me. The call occurred 3 weeks ago, and I still have not received the information. I tried to access the account information online however their system will not let me create an account. 

The monthly bill sent to me is deceptive as it does not list my interest rate for the loan, or loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud and sending settlements letters to the credit bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pass the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
XXXX XXXX I pulled my credit report and noticed it had a collection account from national credit adjusters for an amount of XXXX. The report says the account was made on XX/XX/XXXX. I wrote a dispute letter to the 3 bureaus stating that it had to be the result of identity theft and sent in the ftc identity theft report as well. On XX/XX/XXXX I received a call from XXXX with national credit adjusters threaten me to verify myself asking me personal questions and went as far as telling me someones social security number which I know is illegal. He said the debt was from XXXX of XXXX. I told him I never heard of XXXX XXXX and never applied for an account with them and he went on and on. I told him to cease all contact to me because they had the wrong person. On XX/XX/XXXX I received another call from the same number and when I instructed the call was being recorded and I told XXXX yesterday to cease and desist contacting me they cursed me out and hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Accounts Service
State: CA

Complaint narrative:
California Account Services has been reported medical debt for medical treatment from XXXX. They refused to provide a statement or information about the debt after I found their information while reviewing my credit report. I filed another complaint against them earlier in XXXX and they finally sent me copies of the statements with a handwritten note saying they were sending it in response to my complaint. I have not been given any notices and have not been contacted by phone or email since XXXX. After reviewing the records they sent I became aware that my primary and secondary insurance was never billed even though I had provided the information to them in XXXX. They are charging fees but refused to provide any details about the amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
As consumer and creditor I submitted consumer credit application for financial product of Barclays via Application XXXX XXXX XXXX XXXX Mastercard and Application : XXXX JetBlue Mastercard. 
Company per 18 U.S. Code 1951 delayed processing application via 15 USC 1611 unfair, deceptive and discriminatory practice in violation of 42 USC 408a8 to compel disclosure via U.S. mail front and back of 15 U.S. Code 1693a ( 1 ) social security card despite right of refusal per 31 CFR 1.32 ( c ) in accordance to United States social security administration privacy and confidentiality agreement. Notice of cease and desist subjection to credit approval as unlawful conversion of 12 CFR 226.2 ( 14 ) secured right to credit via credit application against prohibit basis in good faith exercised any right under the Consumer Credit Protection Act. Barclays obtained consumer report from XXXX and has not provided 12 CFR 1002.2 open-end account for consumer credit upon request in accordance with completed consumer credit application and notary witness affidavit via US passport credit device. 15 USC 1602p unauthorized use of social security adminstration credit card number despite secured application per 15 USC 1692j. request documents have been attached despite unfair practice of Barclays to compel document in violation of personal right of privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: OH

Complaint narrative:
on XX/XX/2021 and XX/XX/2021 I sent dispute to validate debt and to remove unauthorized information off my report according to the federal law which protects my consumer rights title 15 United State Code 1681 ( a ) ( 2 ) exclude any Transactions from me and any person shall not be on consumer report.I just sent another dispute with a affidavit of truth and facts, Intent to sue for disregarding the law through Certified mail on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo has reported to XXXX, XXXX and XXXX that a payment were not received for {$280.00} on XX/XX/2015. My XXXX XXXX statements show that the payments were processed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian Is reporting my XXXX XXXX XXXX loan as being included in a Bankruptcy in XXXX. I never filed bankruptcy. The account is current. I just opened the account in XXXX that is when I purchased the vehicle so don't understand why they are reporting it as being in a bankruptcy. 
If they contact XXXX XXXX they would verify that the account is not in bankruptcy and was not even open in 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 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase telephone customer service outage today - tried 10 customer service numbers for various cards - all lines were busy or out of service. Chase clearly has not implemented an effective backup plan. 
What happens to customers who are stranded somewhere and have a card problem? What happens to customers who want to report a stolen card? 
What happens to customers who need service? 
Chase is a large bank that should have backup systems and a business continuity plan in place in anticipation that an outage may occur.

Company response to consumer: Closed with explanation