vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on Experian is XX/XX/XXXX while on XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX XXXX The Date Last Active is XX/XX/XXXX on Experian, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well XXXX says XX/XX/XXXX, XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; Experian is XX/XX/XXXX, XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX. The creditor 's contact information is missing.

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 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Several weeks ago I deposited 5 checks I received from the internal revenue service as my employee retention tax credit refunds. The funds were placed on hold for 10 days and when i spoke to the bank today they said the checks from the irs were fraudulent. This is a preposterous claim and totally untrue. The bank Bank of America closed my account and refuses to give me the funds back or even the checks I deposited

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 monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am writing this complaint with regards to a charge of {$640.00} on my Credit Card account, related to a transaction with XXXX XXXX on XX/XX/2023. 

On XX/XX/2023, I received a call from the district manager of the XXXX XXXX store ( XXXX ) in XXXX, NY where the incorrect tires were installed on my car without my knowledge or consent. I was pleased to hear that the district manager fully acknowledged the error by his store and agreed with me that I should not be held responsible for the cost of incorrect tires placed on my vehicle, given that they were installed without my knowledge or approval.

Additionally, I was informed by the Store Manager that the employee responsible for the " bait and switch '' tactic has been terminated by the store. This action further reinforces the acknowledgment of their mistake and strengthens my case against the unwarranted charges for wrong tires.

As the representative of the store, the district manager recognizes the merit in my complaint and shares my concerns regarding the unauthorized transaction. Therefore, I kindly ask that you proceed to close this dispute in my favor, as I believe it is evident that I should not be held liable for something I neither requested nor was aware of. 

Last, but not least, attached please find XXXX XXXX response to XXXX XXXX XXXX on XX/XX/2023 supporting my conversation with XXXX, the XXXX XXXX District Manager that I've described above, and the company 's care and support for my concern and request for a refund. 

Thank you for your attention to this matter. I remain hopeful for a swift and fair resolution to the dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting 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 received 2 letters dated XXXX XXXX stating that my credit card applications have been denied but I didn't apply for any. I looked at my credit report and there is also a 3rd card application on XX/XX/XXXX that I haven't received a letter about yet. All inquiries are from 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 2023-09-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Based on the marketing of American Express, I now have 4 Amex gift cards with {$200.00} each on them and I can not use them anywhere. AMEX is illegally keeping my money from me. They engaged in false advertising to mislead consumers into getting these cards with the promise of being able to use them universally, which is patently false. I can not find a single retailer to accept my gift cards as payment. They are universally declined. I have spent multiple hours speaking with agents on this issue and have only been told that the card can be used anywhere. Further to my dismay, I was told that the website on the back of the card provided to check your balance may or not be a fraudulent website so to not trust that either. These cards need to be discontinued as they are falsely advertised and do not function as viable commercial substance. The never-ending list of companies that will not accept these cards as payment include vital gatekeepers such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. AMEX simply gets to hold onto the funds illegally by having a product that can not be functionally used. This is totally unacceptable business practice and needs to be dealt with accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GB Collects, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Keeps calling my personal cell phone after I repeatedly tell him ( XXXX ) XXXX my number is on the Federal Do Not Call List, Stop Calling I requested my number be placed on the companies do not call list and the company keeps contacting me. I called the company and the secretary answering the phone will not verify I am on the companies do not call list, she transferred the call to collections. I am being harassed by XXXX XXXX in violation of FTC do not call registry rules and regulations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My sister, XXXX XXXX, and I have contacted experience multiple times during the last two months. They are constantly mixing up our information causing my Credit score to dedrease..We are twins and our Social Security numbers are just one digit off. They are putting my information on her report and vice versa. This information is student loans, credit cards, Home addresses Names, etc. my sister knows pretty much all my personal information regarding my debts. This is an identity breach and a breach of security. There are security laws that protect citizens against this, XXXX, are close, but not that close. I am extremely upset that she is aware of how much debt that I have incurred in my life. She had no prior knowledge and did not even know my credit score beforehand. She now knows everything! This is very personal information. What makes matters even worse, is that this is not the first time we have contacted credit bureaus each and everyone of multiple times over the years. 
XXXX has accused me multiple times over the past few years of using her Social Security number. This is causing me so much stress and is driving a wedge between the relationship I have with my sister. 

I typically keep my credit report locked. In XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX denied me Credit because of a fraud alert. They contacted my sister ( instead of me ) to verify that I was applying for Credit. Of course, since she in fact, was not applying for Credit and that I was applying for Credit, she told the customer service reps no and they marked my application as fraud, denying me Credit. 
She did not know that I was applying for a new credit card. One day during casual conversation. She mentioned to me that someone was trying to steal her identity and apply for credit cards in her name. I then mention that I applied for Credit and that it was denied because of fraud. I didnt realize that they contacted her instead of me. 
I contacted the credit card company and explain the situation. After multiple calls and holding on the phone, I was told that I would have to contact the credit bureau, ( Experian ) because that is the number that they had on file for me and that there is nothing that they could do about it. 

When we contacted Experian two weeks ago, she service rep was very rude, condescending and disrespectful. He yelled at and over talked me when we were just calling for an understanding of our accounts. I eventually asked for a supervisor and was told that I will get a call back in 24 hours. No one has called me yet. 
They are beyond unprofessional and only thing that we are asking for is that our accounts be corrected.

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 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MS

Complaint narrative:
I submitted a complaint yesterday regarding same problem, however over night I received more money to account. I had several messages from support saying that the problem with cash cards had been fixed and cards were working as should. Also received message saying cash app was back online and working properly. I attempted to cash out but said it failed, attempted to send to someone, said could not be completed, attempted to pay for something said it was declined. I contacted support was told they were sending to specialty team they would be in contact. Told them I had been told that for over week now yet no one had contacted me and demanded my money. Made them aware I had filed several complaints and filed a police report. They thanked me for information and said let them review my account. Nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Our house sold in XXXX with a closing date of XXXX XXXX. Every step along the way appears to be a purposeful delay. With each delay we get a new proposed closing date of from 60 to 90 days. They buyer has great credit and is placing a large cash down payment. The first delay was that the third-party communication form signatures had expired. Then there was a delay in contacting the buyer then signatures had expired. Then after contacting Freedom mortgage and insisting on speaking to a supervisor we were told it was taking way beyond the normal time to process and that he would expedite the process and contact us the next day. He did not and did not reply to phone calls or email. Then it made it to the assumption department where after another 60 days it went to Underwriting. After the initial approval they said we would probably close by XX/XX/2023. Then they requested additional information from the buyer which was supplied in less than 24 hours. Then they said they didn't receive it then the next day they apologized for the error and said they found it. Now they say the have resubmitted the package to underwriting and it will be XXXX because the package had to go to the back of the line. When we authorized the assumption, we were told 30 to 90 days it has now been over 150 days and still looking at least 30more days. It has cost me additional interest on my XXXX loan for my new property. It has cost the Buyer additional money in rent to remain in the property during the process. I believe it is a scam to try and discourage people from using the VA loan assumption process.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aqua Finance, Inc.
State: IN

Complaint narrative:
I want to know why Bay Finance and Aqua Finance are both reporting my account as delinquent from XXXX to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Fraud Department is rude and unresponsive. 

A XXXX XXXX Gift card was purchased fraudulently under coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased a car from XXXX XXXX XXXX, but they are no longer in business. A new company has taken over the loan Westlake Portfolio. My credit report is reflecting that I have two loans on the same car. I have requested documents from Westlake and I have yet to receive documents.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was on XXXX XXXX orders and did a military deferral of my payments. During that time someone in the company coded the deferral as a covid deferral meaning at the end they expected me to pay back those months or refinance my mortgage. I fought and told them it was for the military. They asked me to submit paperwork which I did, and then they asked me to fill out their deferral paperwork showing my paystubs and other information. I sent them all the required documents multiple times. After every time I send the documents, they wait until the documents " expire '' then call me saying they haven't received them, or they finally found them but the dates are wrong. It's been two years of fighting with this company who has been bought out by servbank. I am selling the house and looking to buy another but servebank is reporting my payments 90 days late, even though I've been making my payments on time every month since the deferral expired two years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
US Auto Sales financed me a car that the value has been quadrupled the amount of the retail value of the vehicle and they agreed to transfer me into a cheaper vehicle, then the next week they went out of business, I have a XXXX XXXX XXXX that they are charging me almost {$24000.00} that is well over the XXXX XXXX price for the car, I would like a cheaper vehicle or a reduction in price of the vehicle, I have not missed a payment and have been a excellent customer, Westlake Portfolio has threatened me and told me that I have to pay that balance no matter what!!! I need someone to talk to about this because the vehicle is super tiny and I am being ripped off, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient recovery is using deceptive debt collection tactics to call. I received a weird deceptive phone call on XX/XX/XXXX. They used a third party routing company to call me at a business phone number trying to be deceptive. They need to immediately cease and desist any and all communications. Not sure what they are calling about and not sure why they call business numbers. Any alleged debt would be past the statute of limitations. The agent tried to ask me for my date of birth without identifying themselves deceptively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 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. XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX. XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

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. 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. XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX. XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting 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: FL

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. 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. XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX. XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/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 2023-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I want out of my loan my car was stolen twice due to the lack of engineering of Kia and I have paid so much out of pocket and still trying to pay my loan to current. I also have a house hold to take care of and want out of my loan. I have called Kia and told them this matter and they offer no help at all

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