vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
In XXXX, I contacted Cash App about XXXX unauthorised transactions made on my account all to a merchant called XXXXXXXX XXXX XXXX  ' - most of these transactions occured within minutes of each other. 

Cash app asked me for all the transaction details for each of the XXXX transactions and I confirmed they were all unauthorised. Cash app initially did not refund any of the transactions. I subsequently lodged a complaint at the end XXXX and they refunded XXXX of the transactions. Since then I have been trying to obtain details from Cash app as to why they refunded only XXXX of the transactions and not all of the transactions. They indicated I approved the transactions for which I asked for evidence of this which they provided a email which simply said I approved them without details of how they came to this conclusion. I recently complained again and they asked for the same details again and then replied to say that they would escalate it and I would get a email response. They still didn't provide the rationale that I was seeking as to why XXXX transactions were refunded but not the others- noting they were all to the same merchant eg XXXX XXXX XXXX and were all unathorised. 

They simply replied with information on the transactions but no explanation. When I questioned this there response was that they have closed the case due to me not responding and they consider the matter finalised. 

I am seeking compensation for the other XXXX transactions. 

It makes no sense as to why the distinguished between the transactions and also given the way this fraud occured on my account I would have expected that Cash App systems would recognise multiple transaction in a short period are likely to be a fraud similar to processes banks have in place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank 's mortgage department has been operating out of compliance. They have repeatedly violated multiple mortgage guidelines as well as Equal Opportunity Lending requirements. Underwriters are not trained to know federal mortgage guidelines. Instead, they are only required to know the internal guidelines which aren't even followed correctly by every Underwriter. The internal guidelines aren't accurate to federal guidelines either. Files have been decisioned incorrectly and the same steps and requirements are not followed by all Underwriters. Underwriting management have also failed to abide by the companies own guidelines discriminating against files based on who the Mortgage Loan Officer is. Multiple files have been delayed due to the lack of regulations knowledge and competency by Underwriting. Not all Underwriters follow the policy guidelines correctly which is a violation of Equal Opportunity Lending. Files have sat dormant in Underwriting for over 30 days due to illogical company policies. If PNC Underwriters were tested on federal guidelines, they would fail. 

Underwriting Management needs to be removed and replaced. Every file should be reviewed and decisioned according to policy regardless of the Underwriter 's mood or who they are or are not getting along with internally. I have experienced Underwriters refusing to clear files for no valid reason or condition, causing unnecessary delays and in some cases, additional cost or financial loss to the client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 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 explanation
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
I attempted to access my CashApp account and was unable to. I used my phone number for the account, it sent me a code and then as a security step it asked for my debit card details. Although the debit card attached to my account was expired, I inputted the details as requested however as it was expired, the app would not accept the expiry date. I contacted customer services who attempted to link the old account with a new account but was told that were unable to grant me access to the funds in my old account for security reasons. They said to protect my current account, ( which is the new account that was set up to recover my old account ) they can not override the decision. Essentially locking me out of my funds in my old account and offering no alternative way of verifying my account. They said no further action can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Approximately 2 months ago I've applied for an American Express card. 
My application wasn't instantly approved and Amex request me to complete a 4506C so they would receive my last tax returns transcripts from the IRS to verify my income. 

I've submitted the 4506-C form and in approximately 2 weeks amex was able to verify my income and received a email from amex stating that my application had been approved and if i've accepted it amex would report a hard inquiry on my credit report.

I've accepted the offer and the account was opened.

2 weeks after my account had been opened I received an email from Amex stating that my mobile number needed to be verified.

I called Amex and the representative start asking me questions about my work. I was under the impression that Amex needed to verify my identity and when the rep asked me the companies that I've worked for I mentioned the 2 companies that were been reported on my credit report.

I've never stated Amex that I was employed since I've been self employed for the past 11 years.

The representative informed me that she was from amex financial review department and she I would need to submit some documents so amex could complete the financial review.

The representative requested my last 2 bank statements, which I've provided immediately and she also requested my last 2 recently paystubs.

I explained the representative that I did not have paystubs since I've been self employed for the past 11 years and that was the information I've provided on my application and Amex was able to verify the accuracy of this information thru my tax returns transcripts, which stated the exactly same income I've provided during the application.

Even having the knowledge that I'm self employed, the representative said that unless I've provided Amex with my 2 last paystubs, my accounts would end up been canceled.

I've tried to speak with a supervisor but he reaffirmed that unless I provided Amex with paystubs, my accounts would be canceled.

It seems that Amex just wanted a reason to canceled my account 's since I've never claimed to be an employee and they keep insisting on documents that I can not provide even after they verified my income thru the transcripts they've received from the IRS during the application process.

It's absolutely unfair for Amex to close my accounts since my credit worthiness haven't changed, I've never had a return payment, I've never provided any inaccuracy information and I was able to prove my income thru my bank statements and tax return transcripts.

Although im a us citizen, I still have an accent and I feel that just wanted a random reason to cancel my accounts and they are not complying with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
Inaccurate information on credit reports. I submitted a complaint letter to XXXX, XXXX, and Transunion by certified mail on XX/XX/XXXX. Here are the XXXX tracking numbers XXXX, XXXX, ( third number was lost ). No relief from this inquiry as of yet. This is truly disappointing! Please assist me in this matter. The four days to remove these inquiry/reporting has past, why is this still on my 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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have a best buy credit card. My payment was suppose to be XXXX which i was fine with. When i went in to pay my bill it stated it was XXXX. I did not makr a payment as i didn't have that much. Now its at XXXX i can not pay that much. Im on XXXX  and work a part time job. I feel that they let me get this far as a high risk person and now i cant dig myself out. I asked if they could put payments back at XXXX a month as i can make that payment. I was out of work for 2 weeks i called and asked what could be done and was told nothing could be done. Its hard to speak with ppl who speak broken XXXX. Which frustrates me and then they get mad and end the call. I cant help it if my XXXX  takes over in this situation. So im asking that my payments can go back to XXXX a month. U can keep my privileges suspended. So im asking for this a normal payment of XXXX. Thank u

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 2023-07-17 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: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 


4. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
XXXX continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however XXXX has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 XXXX day before being 30 days past due. 

I have also attempted to make my payments online and XXXX blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show XXXX is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My credit score has now dropped over XXXX points due to XXXX ' inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however XXXX has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 XXXX day before being 30 days past due. 

I have also attempted to make my payments online and XXXX blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show XXXX is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My XXXX XXXX has now dropped over XXXX points due to XXXX ' inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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:
report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
This involves XXXX, TU and XXXX. The case about debt collection with XXXX XXXX XXXX is in court. The judge dismissed the request for a summary hearing. Yet for the past year these 3 credit report bureaus have been affecting my scores by reporting it as a collections I owe. I dont know if they are higher than the law or the courts in the land. I sent them a copy of the judgement and they still did nothing about it. XXXX did not even bother to respond.

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 2023-07-17 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: NE

Complaint narrative:
This involves XXXX, XXXX and Equifax. The case about debt collection with XXXX XXXX XXXX is in court. The judge dismissed the request for a summary hearing. Yet for the past year these 3 credit report bureaus have been affecting my scores by reporting it as a collections I owe. I dont know if they are higher than the law or the courts in the land. I sent them a copy of the judgement and they still did nothing about it. XXXX did not even bother to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Received advertising for credit card on XXXX, emailed Ally telling them they were sending advertisement to XXXX XXXX at my address. I told them to remove my address from their mailing list/records. Never heard back. 
On XXXX another mailing ; on XXXX another mailing, contacted XXXX  case # XXXX ; XXXX another mailing, contacted XXXX ; another mailing XXXX, contacted ConsumerFinance.gov

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