vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX XXXX XXXX # XXXX ( Charged off ) -- XXXX XXXX # XXXX ( late payment ) -- XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15U.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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Loan Servicer : Aidvantage I tried calling multiple times in XXXX but have not been able to get through to a representative due to long hold times. I also tried sending message online back in XXXX and never got a response. 
I applied to the SAVE program back in XXXX and it was approved through the federal aid site, but my loan servicer has still not provided any update on their end or updated my payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
We initially contacted Barclays Bank about a billing dispute of {$3900.00} on XX/XX/XXXX and responded to their letter immediately with explanation of the dispute to XXXX. On XX/XX/XXXX, I faxed to Barclays, XXXX a letter ( again ) with detailed documentation explaining the details of my billing dispute. We booked a reservation with XXXX in XXXX, XXXX for XXXX. The XXXX XXXX Wildfires broke on XX/XX/XXXX that continued on XX/XX/XXXX and XX/XX/XXXX. 10 days before our proposed reservation, I was in communication with XXXX and the Host. I emailed the Host to informed her that the Office of the Governor, State of Hawaii, issued a Third Proclamation Relating to the Wildfires ( enclosed copy of the Proclamation in the email ). The Proclamation declared a " state of emergency '' to the counties of XXXX. Communication was cut off and forced closure of roads and schools, evacuations in the XXXX XXXX, XXXX and XXXX ( this is the location of the XXXX condo ) area. The wildfires caused catastrophic damage and destroyed the infrastructure of XXXX NOT to mention the number of people who lost their lives and are homeless. The resources were very limited. ONLY ESSENTIAL TRAVEL TO XXXX. ALL NONESSENTIAL TRAVEL TO THE ISLAND OF XXXX IS STRONGLY DISCOURAGED AS INDICATED ON THE GOVERNOR 'S PROCLAMATION. I also received numerous cancellation notices from all the XXXX XXXX that we enjoyed dining. These restaurants were destroyed by the wildfires. XXXX XXXX and XXXX XXXX XXXX gave us immediately refund with no questions asked. Under these circumstances, how can you enjoy your vacation specifically in the " XXXX area ''? Ground zero of the wildfires and devastation. XXXX was destroyed and the local people are suffering not mention homelessness and lives lost. Total chaos! All the news media outlet was broadcasting the wildfires devastation for days as well as tourist trying to leave the island. XXXX people have flown out of the XXXX XXXX since XX/XX/XXXX. " Essential travel only to XXXX '' during our proposed XXXX reservation. In fact, the Governor of Hawaii, various non profit organizations as well as the XXXX people were asking for help such as food, water, shelter, etc. and financial assistance. How do you go and enjoy your vacation when there's devastation in XXXX where's you're staying and people suffering?

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 2023-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I received a text from them that I owe a debt. I called them and they claim I owe a debt with XXXX. They provided an address for the bill but I have never lived at the address they provided me. I called XXXX and they verified with me that I do not have any debts with them or for that address.

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 2023-11-10 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: OR

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please review the attached documents. I request an investigation into the accounts reporting me as late, despite my consistent on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The attached documents warrant an investigation into accounts reporting late payments, despite my punctual payments.

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 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OR

Complaint narrative:
I deposited a paper check that underwent prompt acceptance, accompanied by a representation that the corresponding funds would be accessible within a stipulated timeframe of 4 business days. Regrettably, the funds were not credited to my account until the morning of the 5th business day, constituting a delay of one business day beyond the initially communicated timeline. Subsequently, in my attempts to address this matter through the designated support channels, I have encountered a consistent recurrence of scripted responses that inadequately address the specific nuances of my concern. This recurrent pattern raises concerns about a potential deliberate avoidance of accountability by Cash App. I am seeking resolution and clarification regarding the observed discrepancy in the timeline as communicated during the initial deposit process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am still fighting the same problem with this company a year later. In XXXX I submit a complaint regarding Equifax providing me with false information regarding not XXXX but XXXX bankruptcies listed on my credit report. 

Still since XXXX of XXXX, I have been calling in to Equifax asking to see the results and methods of verification taken regarding he XXXX bankruptcies listed on my report. I have spoken to over XXXX dozen representatives who all have given me the same response. 

I have heard statements such as : " Your case has been elevated, '' " A supervisor will contact you, '' " The investigation is almost complete, '' etc. 

On XXXX call I sat for over an hour waiting for a supervisor to come to the phone and noone every did. 

I have provided Equifax with copies of certified mail receipts, copies of letters from the bankruptcy court, copies of letters from XXXX XXXX, etc. I initially disputed multiple bankruptcies that are listed on my credit reports. The initial result from Equifax was that the source of the information XXXX XXXX XXXX verified the information. I then questioned the representative and asked how quickly they were able to verify the account and the representative gave the same response that I would receive a letter within seven to ten business days. I received a letter from the official courts signed by an official clerk of the court that the courthouse does not verify the information and I was advised to contact the credit reporting agencies myself. 


Currently, when I log into Equifax through the online website and pull up my credit report, the bankruptcies are still showing and the option to investigate is not available as there is an error message that disputes are unavailable. 

I am not even able to upload the electronic copies of the documents that I have mailed in on multiple occasions. On every other investigation that has occurred after the initial request, the message investigation in progress is showing next to both bankruptcies. The most recent credit report is for the month of XX/XX/XXXX. I have not received anything from Equifax showing a completion for this investigation and it is now the month of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I do not understand how to pay XXXX by XX/XX/XXXX I need help, the personal does not help me at all They say You have to pay That money, period. 
I do not want to lose my car

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I paid this account in full XX/XX/2023. The creditor sent over a payment history with proof of payment but refuse to remove the account from my credit. I had a balance of XXXX, and I paid XXXX XX/XX/2023. They also sent over a credit report page that shows a {$0.00} balance but yet will not remove from my credit. It appears on my credit as if i still owe this company and I do not.

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 2023-11-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, I signed up for a waitlist for tickets to XXXX XXXX XXXX with XXXX. I then canceled the tickets online because my wife discovered she was pregnant in XXXXXXXX. We went through the portal and canceled both of our tickets. Then, on XX/XX/XXXX, we received an email stating that our tickets are " on the way '' ( to be shipped ), despite canceling them while we were still on the waitlist. We raised this issue to XXXX multiple times to no avail and my credit card does not let me dispute the charge. I paid in full for my ticket through an automatic charge on XX/XX/XXXX, and received it later in XXXX. 

Then, we tried to resell the tickets pursuant to XXXXXXXX XXXX policy, which states that XXXX would buy back the ticket if I had paid in full and there was an active waitlist. These requirements have always been satisfied while I've tried to resell my tickets : there was an active waitlist, and there still is, and I had paid in full. However, the online portal did not allow us to complete the official resell process while their waitlist was active and I had paid in full. Several XXXX customer service representatives refused to complete the resell process for us and failed to acknowledge their policy stating that the waitlist tickets could be cancelled or that the shipped tickets could be resold on their portal. 

As of today, XX/XX/2023, there is still an active waitlist, and the online website allows customers to process a waitlist order. Meanwhile, I still can not process my resell ticket after cancelling my ticket XXXX and paying in full for it in XXXX. 

We purchased the tickets under the waitlist and canceled them promptly pursuant to XXXX policy. XXXX then issued us the tickets anyway and refused to allow us to resell them under their own policy.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-11-10 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-10 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. I have a problem with a collection agency called Amsher Collection Services that is reporting I owe them a debt for XXXX dollars however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all XXXX credit bureaus since they cant provide that contract and no success as a active member of the military I feel this is wrong and I need it fixed please is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, Consumer Financial Protection Bureau, My identity was stolen and since XX/XX/23 someone has used my social, name, and address to acquire lines of credit in my name. I froze my credit with all three bureaus on XX/XX/23, and the identity thief called Transunion XX/XX/23 and passed their verification without a pin number and got my credit unfrozen. Their verification process often only asks for XXXX and a current address which an identity thief would already have. The person then took out a {$58000.00} auto loan and drove a car off the lot in my name on XX/XX/23. 

I have filed a police report about the incident with XXXX XXXX Police Department and re-froze my credit. 

The loan would have not gone through had Transunion asked for the pin and not allowed the person to unfreeze my credit. I live alone and I have not shared my pin with anyone, so it is impossible for anyone else to have it. Transunion asks basic questions that are on a credit report to verify someone then unfreeze accounts which is dangerous. 

Please investigate.

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 2023-11-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed that there were large sums of money taken out of my checking account. I went to report it as fraud because my card got stolen about a week prior. Chase said that since it was through XXXX chip there was no way to verify that I didnt make the purchases and there wasnt enough evidence to prove that I had lost the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank Top loan officer - XXXX XXXX is quoting rate on XXXX XXXX, which is forbidden by all banks. and he quoted rate without APR, which is against regulation, when I asked him for APR, he refused to disclose

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