vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Block, Inc.
State: IL

Complaint narrative:
On Monday, XX/XX/2022 my brother transferred money through the Cash App website mobile app. 

I was locked out of my account because they said the PIN was incorrect. I have did everything that they have asked me to in order to regain my access. Their instructions are still not allowing me to get the funds that were transferred to my account. 

This was an emergency transfer and I can't believe that this company is not trying to assist. More importantly there is never anyone that we can speak with. This type of customer service is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS XXXX 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS XXXX 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-19 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: MS

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

XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I did not give.

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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST ALLIANCE HOME MORTGAGE
State: PA

Complaint narrative:
XX/XX/XXXX I Initiated conversation and expressed interest in locking in a mortgage with the lender. 

XX/XX/XXXX The lender confirmed that rates can be locked-in based on todays rates which were sent to me in an estimate, and referenced in the text message XX/XX/XXXX I asked the lender to make sure that rates can be locked. 
The lender responded verifying that yes, well get same rates as today.Market today hasnt changed so well be good locking in tomorrow I responded OK Several disclosures and estimates were sent to me from the lender up until XX/XX/XXXX. All disclosures up until this point listed the interest rate at the initial promised rate as discussed in conversation. 

The lender sends a loan estimate and disclosure for settlement on XX/XX/XXXX with a changed interest rate, without any notice or explanation. He later says that the market was too volatile and he had to change the rate. 

This was an act of predatory and fraudulent lending that should not be experienced by anyone. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MI

Complaint narrative:
MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRES RESULTED FROM FAILED ATTEMPTS TO GET CREDIT OR CARS WITH MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022, my Bank of America account was compromised and the scammer transferred {$650.00} from my savings to my checking account, then used the XXXX feature built into the Bank of America app to transfer {$700.00} to themselves. 

On XX/XX/XXXX I noticed the fraudulent activity when paying off my credit cards and called my bank to report my identity had been stolen and explain what happened. Bank of America said XXXX would investigate the issue and open a claim. A claim was never opened and this still does not address that the scammer had access to my bank account to make the transfer from my savings to checking 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 2022-04-19 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-19 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Signed up for XXXX XXXX card through American Express. Was excited about getting some skymiles to purchase airline tickets so I paid my taxes to IRS with XXXX card and that really should have been the end of the story. Reached out Amex through their app via chat and requested that my limit be increased. I requested my limit be increased to a little over $ XXXX. I explained to Amex that I have really good XXXX XXXX and $ XXXX in my checking account so I didn't understand why my limit was so low. They refused to help me increase my limit and provided no reasons on why my limit couldn't be increased. Spoke with manager named XXXX XXXX employee id # XXXX  ) and he refused to provide any information as to why Amex was unwilling to help me. I thought they would want me to use this card, but why are they making this so difficult. Secondly, why won't they tell me why they can't raise my limit, isn't that their responsibility as a credit card company? Lastly, because I'm not able to up my limit, they will decline payment to IRS and I will incur late fee because of their unwillingness to help their own customer. I wish I never would have even signed up for their card. They make it seem like it will be easy to wrack up XXXX, but then refuse to give me answers and cause me to have late fee with IRS. Someone needs to do something about scam artists like these.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX full name : XXXX XXXX XXXX XXXX, I am a resident of California with a permanent address in the city XXXX, CA XXXX. 
I am a victim of identity theft, someone from another State ( Texas ) have been using my social security to apply for credit cards and loans. 
I have Identity Theft Protection with XXXX XXXX, I was alerted with the below activities. 

I filed with XXXX report # XXXX filed on XXXX, and sent certified mail to the following institutions : XXXX XXXX Clarity Services for fraudulent credit cards applied under my name. identity I did not make the charge ( s ), I am requesting for an immediate investigation, and requesting that the item ( s ) be blocked to correct my credit report. 
Below are the credit cards applied and using my identity under an address from Texas and I believe under CFPB : XXXX XX/XX/21 - CFPB -XXXX XXXXXX/XX/21 - CFPB -XXXX XX/XX/21 - CFPB XX/XX/21 XXXX  - CFPB XX/XX/21 XXXX - CFPB XXXX XXXX account XXXX XXXX open XX/XX/21 account closed XX/XX/21 Service address/ Billing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX All XXXX the above cards and loans, applied by an individual from Texas addresses below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Appreciate your help. 
Sincerely, XXXX XXXX XXXX XXXX  ( 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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone is using my name and tried to open up an account with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/2022 I applied for the Apple Card in good faith because of the advertisement I received stating my credit match the approval. Unfortunately I was denied and the description of my denial is a violation of the Equal Credit Opportunity Act 15 USC 1691.

I have attatched the denial letter as proof I was discriminated aginst and can hold your company civilly liable under 15 Usc 1692k for violation of 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S Code 1691

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TN

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 USC1681. 
XXXX XXXX XXXX XXXX ~XXXX XXXX XXXXXXXX XXXX ~XXXX XXXX XXXX  - ACCOUNT # XXXX ~XXXX XXXX XXXX  XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXXXXXX - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX  XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX ~XXXX XXXX - ACCOUNT # XXXX ~XXXX  XXXX - ACCOUNT # XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX ~XXXX - ACCOUNT # XXXX ~XXXX XXXX ACCOUNT # XXXX XXXX - XXXX ~XXXX - ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 1681 s-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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX and XXXX removed the XXXX XXXX collection item from my credit file because this account is not mine nor do I ever had knowledge of this company. This account should be deleted from my Experian report also. Thank you for your help.

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 2022-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
On XX/XX/22 purchased ( leased ) new BMW XXXX from XXXX XXXX BMW. I showed them the advertisement on https : XXXX no where on the website does it say leases are excluded from receiving the federal tax incentive of {$5800.00} nor did they tell me at the dealership that I would need to buy the car on a purchase not on a lease. In my attempt to resolve this, BMW even admits they keep the federal rebate but they still say " Tax credits are complicated and subject to change without notice. While BMW of North America, LLC does its best to keep this information up-to-date, it can not guarantee the current accuracy of your eligibility. We recommend consulting a tax professional to validate credit availability and eligibility. '' Which is their disclaimer. To me this is false advertising as if BMW knows they keep the rebate from the government how are they doing their best to keep their information updated? Attached is screen shot of the website showing the facts above and my original complaint from XXXX. Ive also attached copy that I have been trying to get this resolved via dealership as well since BMW corp keeps pointing me back in their direction, which I don't understand why as my main issue is with BMW directly as their website is falsely advertising this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TX

Complaint narrative:
I have fraudulent information on my credit report. Almost my entire credit report is fraudulent. I am unaware of these 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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Hello After checking my mortgage statements I have found suspicious activity which is affecting my credit score as well as the principle balance on the mortgage. I send payment at the beginning of every month via chase bill pay I have all bank statements showing payment goes though. However experian credit report shows Otherwise payment skips every other month and this impacts my credit score as well as the balance on my mortgage. Ive contacted my home lender loan care but they denied such activity however statements clearly show otherwise as some months the principal balance goes up instead of decreasing.

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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX Newrez LLC/Shellpoint mortgage servicing sent me a secure message through their online message portal that contained loan documents belonging to someone else. I immediately contacted Newrez, who downplayed the concern and could not tell me if my personal information had been inadvertently sent to another person in error. 

Ironically, the message was sent from their compliance team. In the wrong hands, this information could be used for fraud, and I would like to ensure that the individual ( XXXX ) affected are notified and that Newrez is audited for proper PI compliance.

Newrez has been my mortgage servicer since XXXX of XXXX. When my loan was transferred to them from the originator, I attempted for months to recast the loan only to be told that my primary investor would not allow it. I had to personally call the investor ( XXXX XXXX XXXX XXXX ) and have them contact Newrez on my behalf in order to facilitate the recast request. The delays incurred due to newrez 's errors and incompetence have cost we well over {$1000.00} in additional interest payments on my mortgage.The purpose of my inquiry was a request to have the {$300.00} recast fee waived due to their errors. In their response today, they sent me the private information of someone in California which included all of their loan documents and payment history. It is my fear that my personal information was also shared with the wrong person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone is using my name and tried to open up an account with your company.

Company response to consumer: Closed with explanation