vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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:
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 719XXXX has me at a score around 590. 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 XXXX 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 4 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 21 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 XXXX XXXX n cant provide to my XXXX XXXX XXXX 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 2022-04-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi card for amount of {$13000.00} is not mine and was put on my credit report and company can not give me no information because Im not 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 non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
In XXXX, I received two checks that were both issued to me as a scamXXXX XXXX XXXX XXXX XXXX XXXX and I accepted the first check ( ~ {$1200.00} ) for my services and when it bounced, I was given another check ( {$980.00} ) to cover the cost and it never went though. My accounts were both closed. Then my IRS check for {$6900.00} came through and Citibank deducted {$1200.00} and {$980.00} from that check and sent me the difference. The problem is that I never spent the {$980.00} because it never went through. I have been trying to get my money for this second check for 2 months. This is money from my own tax refund that belongs to me and Citibank will not give me an answer as to when I will get it or why it is taking so long. I was told up to 45 days, and it has exceeded that time frame.

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 2022-04-14 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: B&F Finance Corp.
State: TX

Complaint narrative:
I had a loan with Quick Loans aka Dartmouth aka BF Financial in XXXX XXXX I Paid the loan early every month and paid it off 2 months early on XXXX XXXX. I then reported to XXXX and XXXX XXXX... they came back 4 times stating info ( a balance ) was correct and verified correct. I called BF in XXXX XXXX and was told by XXXX ( manager ) that it would be fixed by XX/XX/XXXX per her corporate office. It is still not fixed. I have submitted yet another inquiry through XXXX direct website and the XXXX link on XXXX XXXX, it is still not fixed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 New Jersey unemployment sent out {$4900.00} Dollars and the government sent payments that was old to me on XX/XX/2022 {$5000.00} as well.however cash app keep saying they never received my payments from New Jersey unemployment.Ive told cash app it maybe the wrong Account number.unemployment May have sent.will they look up my profile to see if New Jersey sent my funds well as my name Attached to it. No respond with them. Tried calling him no respond they dont pick up New Jersey unemployment states they have sent out my payment to cash app and asked them to look up my name to see if any money came in it may be the wrong account number but routing number was right..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
I applied and got approved for the Discover student cashback credit card on XX/XX/XXXX. I was asked to sign the IRS Consent Form 4506-C for them to verify my personal information. I called their customer service several times, and they asked me if I filed my tax return in the tax years XXXX and XXXX, which I did for both. On XX/XX/XXXX, without any further communication, they closed my account, without me even using the card. And the reason was they couldn't verify my account for the tax years XXXX and XXXX. My XXXX federal tax return was still being processed, and, for the XXXX tax return, I used my ITIN instead of SSN because I didn't have an SSN back then due to my immigration status. There was clearly a miscommunication, and they closed my account and sent a report to credit agencies without even asking me for any further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX account has been closed for a year but TransUnion is allowing them to report the account as " late payment. '' XXXX placed a penalty on my account some time after it was closed and sent that penalty to collections. 

A closed telecom account can not have a late payment, as dictated by FCRA

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 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Good morning, on or about XX/XX/2022, there were several fraudulent withdraws made from two of our checking accounts. Our bank is Chase Bank. These withdraws totaled approximately XXXX. 

There were withdraws from one account of XXXX, XXXX and XXXX. The other account had withdraws of XXXX and XXXX. 

All of these withdraws were made without our knowledge by someone we do not know. We did alert Chase Bank immediately upon learning of these fraudulent transactions. Let me tell you, this has been a roller coaster ride given to us by the Bank. 

First, they did credit one account back the XXXX, XXXX and XXXX. However, they then reversed the XXXX and XXXX transactions, without notice. They STILL have not even addressesd the other account or the fraudulent activity, rather, they r putting the onus on us to show they were not made by my husband or myself. Let me add, we have been customers of Chase Bank for over 30 years. They were XXXX XXXX and XXXX XXXXXXXX over the course of those years. At one time, we would be alerted immediately to any questionable transactions to our accounts. All of these withdraws were absolutely questionable. As those type of withdraws are not normal, ordinary or customary for either of these accounts. We did make a police report, who also made the observation that these were very out of the ordinary, looking at our history. 

I am asking, pleading, begging for some assistance here in helping us to convince the bank that these transactions were not made by us and we need to have our accounts made whol. Bringing them back to where they were before this occurred. We have been met with consternation and more than questionable customer service. They have, in essence, called us liars and theives! 

Please, if you have any ability to look into this situation in order to have our funds credited back to the accounts in question, I would be more than grateful. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: IL

Complaint narrative:
Someone has attempted to fraudulently open banking accountings with US Bank, XXXX, and XXXX bank using my personal information. I received notices from each of these banks requesting me to verify my account information. US Bank directed me to file this 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 2022-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Lost job, unable to pay, had wreck that was was not my fault, car moved to company, outstanding balance to repair, i didnt have any money, amount on credit report XXXX credit acceptance.

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 2022-04-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-04-14 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: LA

Complaint narrative:
All the inquiry are incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 SECTION 602 A. States i have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WV

Complaint narrative:
My mortgage was sold to BSI who did not recognize my loss mitigation from mortgage solutions. I paid XXXX above my mortgage. In XXXX i paid XXXX and was advised by an agent that if I paid an extra XXXX my loan would be current. I paid XX/XX/XXXX payment prior to the XXXX to avoid late charges and the system showed another XXXX in late fees after being told I was current. The manager said it was late fees that came over from mortgage solutions, which were supposed to be held due to the loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2022-04-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 602 A states : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 602 A states : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: WA

Complaint narrative:
I am complaining about a debt Held by Credit Management LP and originally credited by XXXX in XXXX, IL. I moved from XXXX in 2019, XXXX, and my ex girlfriend who i was moving away from had agreed to take our XXXX cable equipment to XXXX for drop off, she said she did this, and I had a picture of it on an old phone but I know it was dropped off. I have disputed this charge for years now and they keep saying it was accurate. I DO NOT OWE THIS MONEY TO XXXX, {$210.00} FOR EQUIPMENT THEY RECIEVED. i NEED THIS OFF OF MY XXXX AND XXXX REPORTS. 

THEY CAN NOT CHARGE ME FOR SOMETHING i GAVE BACK TO THEM. AND DID SO UNDER CONTRACT OF " LEASED EQUIPMENT ''. what they are doing is hurting my credit on purpose and refuse to release XXXX for equipment and services they got back after account cancelation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans union has been soliciting my information via whats called XXXX XXXX to damages on my credit 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 explanation
Consumer complaint received 2022-04-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2022-04-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2022-04-14 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: NC

Complaint narrative:
I began using Square as a payment processor for my online business and a few hours later, I received a few online orders and shortly after received an email from Square saying they were holding the funds until they received some additional information. I submitted all of the requested documents and information and received another email saying they needed more. Submitted that and about an hour later received an email saying that they were deactivating my account and that they would be holding the payments for 90 DAYS. I was provided no reason as to why the account was closed. At this point, I want nothing to do with this company so I do not want the account reactivated however, I need the almost {$2000.00} that I made and this company is holding. This is absolutely ridiculous that so many people have dealt with this same issue with this company and they are still getting away with this. There are thousands of complaints of situations just like mine that I have found on the internet while dealing with this with this company. As a small business, especially during these times, this has put me in a financial disaster and I am unable to run my business. Customer service is no help, I have reached out multiple times via chat, email, and phone over the past 2 weeks between 5-10+ times. There is no valid reason for the deactivation or holding of the funds. I have not received any chargebacks from customers, I provided all of the additional requested information, and I do not sell any of the prohibited items listed in the Square terms. I do not have 90 days to wait for my funds when this is my livelihood. A complaint was filed with the XXXX and a resolution was not reached.

Company response to consumer: Closed with explanation