vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My credit card was stolen. There were 35 unauthorized fraudulent transactions on my credit card. They are all listed Below : XX/XX/2023 : {$43.00} from XXXX XXXX XXXX {$12.00} from XXXX XX/XX/2023 : {$42.00} from XXXX XXXX XXXX {$8.00} from XXXX XXXX XX/XX/2023 : {$6.00} from XXXX XXXX XX/XX/2023 : {$18.00} from XXXX XXXX XX/XX/2023 : {$12.00} from XXXX XXXX XX/XX/2023 : {$31.00} from XXXX XXXX {$10.00} from XXXX XXXX {$7.00} from XXXX XX/XX/2023 : {$32.00} from XXXX XXXX XXXX XX/XX/2023 : {$33.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$9.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$6.00} from XXXX XXXX {$32.00} from XXXX XX/XX/2023 : {$9.00} from XXXX XXXX {$34.00} from XXXX XXXX XX/XX/2023 : {$10.00} from XXXX XXXX XXXX {$3.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$9.00} from XXXX XXXX {$23.00} from XXXX XX/XX/2023 : {$6.00} from XXXX XXXX {$34.00} from XXXX XXXX XXXXXX/XX/2023 : {$36.00} from XXXX XXXX XXXX XX/XX/2023 : {$36.00} from XXXX XXXX  {$9.00} from XXXX XXXX {$34.00} from XXXX XXXX XX/XX/2023 : {$30.00} from XXXX XXXX XX/XX/2023 : {$8.00} from XXXX XX/XX/2023 : {$34.00} from XXXX XXXX {$10.00} from XXXX XXXX XX/XX/2023 : {$26.00} from XXXXXXXX XXXX XXXX XXXXXXXX {$37.00} from XXXX XX/XX/2023 : {$37.00} from XXXX XX/XX/2023 : {$90.00} from XXXX XXXX I promptly reported the stolen credit card and unauthorized fraudulent transactions to the fraud department at Citizens bank. The lady on the phone processed my claim and gave me a claim number XXXX. The total amount of unauthorized fraudulent transactions is {$830.00}. The lady on the phone incorrectly reported {$800.00}. 

I received a letter in the mail 7 days later from Citizens Bank that my fraud claim was denied. No reason at all was given to me as to why it was denied. Since I received this letter, I have repeatedly called the company, but was placed on hold for hours upon hours and hours, and hung up on. I have called the company at least 12 times since XX/XX/XXXX to resolve these fraudulent transactions on my account, to no avail. 

Citizems Bank is not only refusing to remove these fraudulent transactions, but they are charging my credit card interest on top of them. Two incorrect interest charges of {$57.00} on XX/XX/XXXX and {$65.00} on XX/XX/XXXX were placed on my credit card account. 

I respectfully ask that Citizens Bank remove these unauthorized fraudulent charges from my credit card immediately. I also respectfully ask that Citizens Bank remove the erroneous interest charges that accrued as a result of these fraudulent transactions immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Possible Financial Inc
State: TX

Complaint narrative:
On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted Possible Finance , Inc. ( the data furnisher ) in writing via USPS certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to Possible Finance , Inc. on XX/XX/2023 ). 

On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to Possible Finance , Inc. on XX/XX/2023 ). 

As of today, Monday XX/XX/2023, Possible Finance , Inc. has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: NY

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts, inquiring creditors, and consumer reporting agencies/bureaus below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. Consumer Agencies : XXXX  XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The Work Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informa tion, other than records of convictions of crimes which antidotes the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate The companies listed do not have my consent or authorization to report on my credit profile please remove in accordance to the consumer rights to privacy.

Being of XXXX XXXX XXXX I have been discriminated against due to XXXX resulting in the ability to only receive impartial vehicles loans personal loans as well as keeping negative information on my credit report that further impairs my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: MN

Complaint narrative:
woke up this morning and checked my bank account and I was not able to access it using my regular practice and routine. It asked me to log into the account and provide my password and additional verification of my identity. I thought this was odd but I know that Ive had issues with this account in the past and because I have a new cell phone there may have been some issues in the transfer. I have not had those issues in the past and Im concerned that the bank owner and application manager, XXXX XXXX  and XXXX XXXX  are fraudulently closing accounts that have been active for years before XXXX, which you can find out if you, XXXX search XXXX XXXX changes to accounts creating havoc on consumers, it appears as if XXXX XXXX and XXXX XXXX  are randomly closing accounts of consumers who establish their account before XXXX. They also changed their terms and conditions on XX/XX/XXXX, which I was not aware of except by doing the XXXX search today. I have been informed that my account has been closed due to violations of the terms and conditions, and that I would not be able to use any of the features on my account, would need to close and have all my funds sent elsewhere. I would also have all of my direct deposits, including my payroll taxes, and any other financial receiving reoccurring deposits, will be returned to the originator. All of these issues will cause a extreme financial hardship and cash app was not able to resolve or tell me what specific violation of terms I committed, I doubt that there are any violations, and that this is merely a way to dissolve my account and create a financial burden for me and my family. When I established my cash app account, I did it with a great amount of trust and consideration, but now I am being accused of a violation with no additional clarity, or reason. Ive reached out to cash app customer service, which is connected to XXXX XXXX  and have received less than supportive response. They are both dismissive and lack any clear communication about the reason behind this change. It feels like a major scam and the cost to me is going to be substantial. I have already reached out to my payroll department but I am not sure that they will be able to stop the direct deposit that is scheduled for XXXX XXXX XXXX XXXX XXXX I am very upset, and I feel compelled to share this extreme violation of trust with a Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: LA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have a XXXX hardship, and requested a forbearance on my XXXX XXXX owned loan. XXXX XXXX policy is that the initial forbearance time period can be up to 180 days. 
PHH refused to allow my request for 180 day forbearance, and insisted that all they could do is a 90 day forbearance. I asked to speak to a manager, and the manager also insisted that the initial forbearance period could only be 90 days. They had no explanation for why they weren't following the policy of the owner of the loan. 

PHH is refusing to follow their investor guidance from XXXX XXXX, and is making up a confusing and frustrating policy.

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 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XXXX of this year, I went to a dealership in XXXX called XXXX XXXX. They verbally lied to me about the total amount that I would be paying. They told me that I would be paying {$8000.00} for a used XXXX  XXXX XXXX after the {$2500.00} down payment. I agreed to that, and sing the contract given. I went home and discovered that the terms on the loan are actually over {$15000.00}, with the potential of being more than {$23000.00} after 5 years due to interest. Credit Acceptance is the the creditor here and I would like to be removed from the policy of the loan, so it doesn't affect my credit. The dealership did not follow Regulation Z or the Truth in Lending Act, where they have to give the details in the loans truthfully.

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 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX a reporting from convergent outsource was placed in my credit report from XXXX XXXX XXXX amount of XXXX. As stated by XXXX this account is from XXXX. My identity was stolen in XXXX. I sent them documentation of the incident. Once I noticed convergent was reported on my credit report I immediately did a police report. I went through all the steps repeatedly and nothing happened. I went through both convergent outsource and XXXX  more that two time and went to numerous XXXX stores, where they had me provide documentation.

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 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
After a medical emergency and on XX/XX/XXXX was in need to send money to a foreign country, being a XXXX union customer and enrolled in their program I used their app and decided to send the amount of XXXX $ to be pick up in XXXX Dollars. 
After carefully revising the XXXX Agents in the country where the money was to be delivered decided to send my transactions not in the local currency, instead to be pick up in dollars. On the web /app I had the choice to pick local currrncy or US . I decided for the Us currency, at the moment of the transaction the web site had the choice to pick both options. After finalizing my transaction all seems to be okay I had no disclaimer or advice that my beneficiary had the obligation to pick up I. The local currency.I had no disclaimer in the web or in my receipt. 
For my surprise my beneficiary went to pick up the money and was obligated to receive in local currency or cancel. Also the authoritorozed XXXX communicated that is only in the local currency and if she was to pick up in XXXX dollars she has to pay them the amount of XXXX Gs for the difference in the exchange rate. 
This means O loose that amount plus my fee when they unilaterally decided to apply the exchange rate of XXXX and paid my Bf XXXX the local currency. If o knew this from when o was done o was clearly not choose to do so. 
difference who is over XXXX XXXX dollars. I paid a fee of XXXX us to send the wire to ve pick up in dollars and the system allowed me to do so. 
The exchange rate that western unin is way below the oficial rate and arbitrary imposed me to accept, when I could compare and decided for another services without warning. Locals oficial currency in the country os XXXX vs XXXX of western unins exchange obligated me to accept or pay them. If I have the knowledge and it was disclaimed before I should probably choose a better exchange rate in some other company. 
Western unin is forcing its customers to accept this and for my surprise they are doing this to every customer in the country, without warming. 
I placed a complaint to the company the complaint number is XXXX. 
Western unin is imposing only they exchange rate or pay their agent the difference by the beneficiary or cancel and found impossible to recover the money it takes very long the refunds. 
I was obligated and decided to so against my own interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Report Act ( FCRA ). The listed account below has violated my federally protected rights to privacy under 15 U.S.C 1681 XXXX XXXX XXXX XXXX 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 section ( 2 ) Also states a consumer reporting agency can not funnish 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 2023-07-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Report Act ( FCRA ). The listed account below has violated my federally protected rights to privacy under 15 U.S.C 1681 XXXX XXXX XXXX XXXX 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 section ( 2 ) Also states a consumer reporting agency can not funnish 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Applied for a home equity line of credit. I am XXXX  years of age. I have my assets within a revocable trust. US Bank, after I completed all other steps, would not accept my Trust without explanation and stated I would have to draft another Trust. I am an attorney who drafts Trusts and litigate Trusts disputes in California. My Trust meets the appropriate standards.

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