vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 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: CA

Complaint narrative:
Hard inquries are not mine. 
XXXX and equialfax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Exercised Right of Rescission on XXXX. No documentation or response received from Bank of America as of XX/XX/2021 regarding rescission or refunding of any and all costs associated with this refinance closing. Refer to complaint number 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 monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
I been disputing this company i never heard of they keep reporting as charged off everytime XXXX removed it they reported it back i even call this company they had my name spell wrong i advised them i never heard of this company i stay in a duplex with the same address we how to put. Right or left on our addres. This company name XXXX XXXX XXXXXXXX XXXX XXXX XXXX wi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/2021 Credit Karma deactivated my debit card due to a fraudulent charge. After I asked them to not do that until I could pull my funds out they said the card was already shut off. I have been going round and round with them so I can have access to my funds. Almost a week later I still can't access my money. I've tried linking my external bank account to them so I can transfer the funds and I can't link them. They keep telling me that they are working to solve the problem. I feel at this point they are holding my funds hostage by not allowing me access to my money. 

Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
Today is XX/XX/XXXX and I responding to communication from Financial Recoveries. In your last response you stated that a letter was sent to me on XX/XX/XXXX and XX/XX/XXXX. Please provide me with proof of this letter that was sent that I NEVER received. Please be advised I have requested validation { not verification } of an item reported to you by the original creditor XXXX XXXX, I have received a response that does NOT indicate or prove I approved this credit transaction with my social and ID. Second, please provide me with a HIPPA release form that has my signature stating I have granted Financial Recoveries to have any information about me allegedly being in or at XXXX XXXX. I would also like to see any medical documentation stating I have bill from XXXX XXXX. There is no law under FCRA or United State Constitution that states in order for a fraud account to be investigated, documentations are needed from myself ( which was stated in the last response ). I am well aware that I am the consumer as well as the original creditor in all credit card transactions and I am highly aware of my rights. This is my final demand for deletion of this account or I will move forward with legal action against Financial Recoveries for multiple violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 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: CA

Complaint narrative:
Hard inquries are not mine. 
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 2021-11-18 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: CA

Complaint narrative:
Hard inquries are not mine. 
XXXX 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 2021-11-18 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: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: TX

Complaint narrative:
Cash app ( square inc ) has money of mine that they refuse to give me access to. I got a new phone and number and was unable to access my account because I couldnt get the text message cash app sends when trying to login. I contacted cash app and was told to set up a new account theyd go from there with verifying my identity. I did that. With this new account I had to enter the last 4 of my social security number, date of birth and zip code. This is the exact same info I had to enter when I created the previous account. Cash app asks for none of that info when verifying my identify. Then they come back and say they can not give me access to my account, the decision will not be reversed and they will not give me any further information. I went as far as to call XXXX XXXX XXXX to have them reactivated the old number just so I could log into the cash app account. With the first attempt cash app logged me in but requested I add a debit card. I tried. It errored 3 times until finally it said I had tried adding the card too many times. When I went back to login with the phone number cash app prompted me to open up yet another account with the telephone number from my old account. They dissociated my phone number from the account Cash app is now holding on to my money and refuses to take any further steps to resolve this issue the account is tied to my social. I can even verify the last few transactions. Cash app can not Just decide theyre going to keep app users money and not offer any type of way to get it. I want my money. After reading experiences from others, cash app ( square , inc ) does this to lots of users.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
To whom it may concern, I attended West Virginia XXXX XXXX for a few months back in XXXX. I was struggling to make ends meet. I ended up having to work 2 jobs and go to school. I didnt have a stable support system then as I was just leaving you the XXXX XXXX XXXX. I feel like XXXX took advantage of my vulnerable situation and exploited my ignorance. I was only XXXX when I made the mistake of going to this private school. The school shut down years ago but Navient is still attempting to collect {$5000.00} from me for an education I never received. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank
State: MD

Complaint narrative:
I reached out to just progress credit card and paid my balance in full, 1 year later I applied for a XXXX credit card and they said that it shows that I still owe first progress credit company and thats why they denied my request for credit with them, it wasnt charged off its been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Cold well banker is refuse me as it onwer .the management team .XXXX XXXX  XXXXphone number is XXXX. Refuse me decrimantion .call me XXXX. And I am not. A member of a XXXX  XXXX  a private group .all of this is illegal. He can not decrimantion on me. With this and refuse me my birth certificate rights... ..this is also I'd fraud. Who is take my place it is not me.. Coldwell banker and XXXX XXXX XXXX and XXXX XXXX, XXXX iXXXX XXXXXXXX XXXX XXXX. I am soppose to be a employee .onto said release date says for me too own it .owner and CEO .I believe all of this is past due .my employee pay ckeck is past due sense XXXX. And now my owner ship deed is past due sense XXXX. The IRS is say I owe taxes sense XXXX on this said business ... ..I got XXXX XXXX .also take from me a nother business with this business please share all this information with the other said businesses .too same stuff on them too. Filed in XXXX public contract. On the tittle address XXXX XXXX XXXXXXXX XXXX ga, and XXXX XXXX XXXX XXXX ga, ... ... ..I am owner and co owner of all said information on both these addresses in XXXX .look. At tittle good. All the information in this text spill me out as a XXXX XXXX or XXXX  XXXX. A employee .and it rolls over too owner XXXX XXXXXXXX. I have completed all the time old deceased owner XXXX XXXX XXXX, requested for me too do .sense XXXX. I have been in the ghetto for XXXX years .I have did the time .I do not want too do no more time in the ghetto .it is a panic pamdamic in the ghetto .it a mess out here XXXX and etc is going on all day .. please stop steeling from me XXXXstop give my personal principal address too someone else. Give me everything the contract is say from XXXX up too XXXX of XXXX. Bank account and Corp deeds. ... ... this is a ownership of the business complaint Coldwell banker etc.al..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
A CREDIT CARD WAS OPENED FRAUDULENTLY UNDER MY NAME WITH DISCOVER. AS SOON AS I FOUND OUT ABOUT THE FRAUDULENT CREDIT CARD I CONTACTED DISCOVER AND I ASKED THEM TO CLOSE THE CARD, AT THAT TIME I GAVE THEM MY CORRECT MAILING ADDRESS, EMAIL AND A PHONE NUMBER. DISCOVER NEVER UPDATED ANY OF THE INFORMATION I GAVE THEM. THEY APPARENTLY MAILED A FINAL BILL TO THE ADDRESS THAT DOES NOT BELONG TO ME. I HAVE NOT RECEIVED ANYTHING FROM DISCOVER AT MY CORRECT ADDRESS THERE IS NOW 4 MONTHS NEGATIVE REPORTING ON MY CREDIT PROFILE FROM DISCOVER. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE ALSO REPORTED THIS TO THE LOCAL POLICE STATION AND TO FAIR TRADE COMMISSION, AND TO THE CREDIT REPORTING BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XX/XX/XXXX I received a phone call from Wells Fargo regarding my Wells Fargo Credit Card. The rep stated the payment is late and the minimum amount of {$25.00} is due. I explained to the rep that I have not received my bill for this account. Ive never missed a payment for any of my accounts. The payment due was only {$25.00}. When I was informed the payment was late I immediately went online and paid the full balance off. Even though I am also a victim of the natural disaster. I lost my job in XX/XX/XXXX when the state mandated a lock down. The company I worked for went out of business. I wasnt able to find employment until XX/XX/XXXX. They said we can set up a deferment if I wasnt able to make the payments. I explained that I dont need a deference I only need to make sure my credit report doesnt show any late or missed payments. The rep stated that as long as the balance was paid in full they agreed to not report the late payment on my credit file. They didnt add anything on my credit report showing any missed or late payments. In XXXX of XXXX over one year later, for some reason Wells Fargo went back on their word and my credit report showed a late payment for the month of XX/XX/XXXX. 

When I called Wells Fargo and explained the situation they said they dont have any way to remove it from my report. Ive been a Wells Fargo customer for over 10 years. Never missed any payment prior to that one payment that was late. 

Ive called many times and I tried explaining that I never received my bill it never came in the mail and they are required to send me a bill every month. I told them that I am a victim of a declared national disaster. That should be enough right there to remove this inaccurate information from my report. I made the payment exactly like I was told and then updated my address because they had the wrong mailing address in the system. 

I called another time and a rep stated she will send my request over to a special department and they will remove the late payment due to my long relationship with Wells Fargo and that there was never any other late payment on the account.

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 2021-11-18 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: TX

Complaint narrative:
On XXXX XXXX and XXXX XXXX hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on the account youre currently reporting is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing these false accounts on my consumer credit report .The accounts that are being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS XXXX XXXX SERVICE BY LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings. ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE HARD INQUIRY ACCOUNTS ALONG WITH OTHERS BUT YOU XXXX ARE REPORTING THE FALSE INNACURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: SC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I received a replacement Debit card from my bank in an expedited envelope. I thought Bank Of America has fraud detection and they may have acted on it. 

On XX/XX/XXXX I received an alert from Bank Of America - details are given below : XXXX XXXX Your Debit card ending in XXXX  was mailed on XX/XX/XXXX to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Use the UPS  tracking number ( XXXX ) at www.XXXX.com to check the delivery status of your card. 
Your card will arrive in an envelope with a Bank of America logo and a XXXX, Delaware return address within 4-6 business days ( up to 16 for international ). 

This triggered in my mind that somebody has scammed Bank of America to get my Debit card. I called the fraud prevention dept of Bank Of America and learnt further that this person from above address has called the Bank and increased the daily withdrawal limit and further asked the card to come directly to FL ( XXXX XXXX, FL XXXX ). XXXX XXXX # ( XXXX ). 

So I cancelled the card and reapplied for a new one. The Debit card was supposed to come to my address today but I learnt from XXXX  that the sender ( Bank of America ) had diverted again to a different address in FL. This means the same person has called and got thru as me to give a different address to receive my new card. 

I called the Fraud dept oXXXX Bank Of America again and asked them close my Debit card completely. I demanded to increase the security so imposters can't get in without proving their identity via a phone call verification. 

I am concerned that somebody is relentlessly trying to gain access to my bank account.

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 2021-11-18 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: CA

Complaint narrative:
The electronic file provided by XXXX XXXX XXXX as validation of debt for account # XXXX has a balance at the time of sale of {$2.00}, XXXX is erroneous because it includes a {$38.00} late fee overcharged. Because the balance at the time of sale is incorrect it automatically INVALIDATES the electronic file mention above. With this been said XXXX XXXX XXXX is in violation of section 809 ( b ) of the FDCPA because they had failed to provide proper validation of debt. TransUnion must remove this invalidated account immediately to avoid litigation. Attach to this dispute I am providing you with 1 ) copy of ID 2 ) copy of Social Security Card 3 ) The electronic file provided by XXXX  as proof of validation which is erroneous read above 4 ) Copy of Last Statement which shows the right amount of {$2600.00}

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/2021 hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on OUT the account youre currently reporting is : SELF FINANCIAL INCXXXX XX/XX/2021. 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing this false account on my consumer credit report .The account that is being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS SELF FINANCIAL INCXXXX BY LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW TRANSUINION IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings . ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE COLLECTION ACCOUNT ALONG WITH OTHERS BUT YOU XXXX ARE REPORTING THE FALSE INNACURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The addresses that are posted do not belong to me I have never lived at these addresses delete immediately XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA 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