vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 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: EdFinancial Services
State: NE

Complaint narrative:
Payment made on XX/XX/2023 to EdFinancial and was paid to two of the loans but wanted the payment to be put towards a different loan. Called and requested that they change and representative said it would be XXXX days and called back on day XXXX ( XX/XX/2023 ) and that representative said XXXX business so to call back in a couple days. Called back in XXXX business days on XX/XX/XXXX and that representative said to could be up to 3 months. Needed this paid to get a mortgage and explained to him the situation. He then put the reallocation of money onto emergency status and said it typically takes XXXX business to go through. Have been calling about updates and all I get is they have the form but nobody has acted upon the request. They will not give me the form in writing or through email so I can show the mortgage company and will not give anymore updates on how long this will be taking. I have to wait on hold for upwards of XXXX min for them to take to me and do not get any answers or updates. Should have never happened or the first two times I called in they should have let me know that it would be longer so that I would know and be able to appropriately respond and figure out my mortgage information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I do not have a Bank of America account or credit card. I keep getting a phone call for charges on my Back of America account. 
This is the phone number that keeps calling me. 
XXXX. 
I told them I was calling the police and they hung up

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 2023-08-03 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which is caused severed XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: NC

Complaint narrative:
In 2018 I discovered an account ( CONNS APPLIANCES INC ) on my credit report that does not belong to me. I have never resided at the address listed to this account nor have I ever made any payments on this account. Any debit or credit card information utilized to make any payments on this account has to be by the person who victimize me. I have tried several times on many different occasions ( approximately 10 ) to dispute this matter and every time they report back and say that the information is accurate when it is indeed false. I have also filed an identity theft complaint with Federal Trade Commission. I need this nightmare to be over it has been years and I refuse to let this person get away with this and I just want my life back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX 'd appreciate it if you could update this reporting account as soon as feasible. Account should be rectified as soon as possible if you do not comply with the instructions. 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I noticed on my credit report that I have several unverified and unauthorized inquires that must be removed. I have contact XXXX, TransUnion, and XXXX regarding these unauthorized Inquires this would be my third time reaching out to them regarding the same matter. These are not my inquiries and according to the ( FCRA ). Legally these unverified and unauthorized inquiries must be removed. I've listed each unverified and unauthorized inquiries below for XXXX, XXXX, and TransUnion. 
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 XXXX XXXX XXXX XXXX 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 2023-08-02 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-08-02 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to submit a formal complaint against CashApp, a financial service provider, regarding the unauthorized closure of my account and the loss of {$800.00}, which was unjustly removed from my account without any explanation or permission. 

My CashApp account, registered under the username XXXX, was unexpectedly closed on XX/XX/2023, leaving me in distress and financial hardship. The account held a balance of {$800.00}, and I must emphasize that I have always complied with CashApp 's terms of service and all applicable legal regulations, making the closure of my account entirely unwarranted and alarming. 

In an attempt to resolve this matter and retrieve my funds, I have repeatedly tried to contact CashApp 's customer support through various channels. However, all my efforts to communicate with them have been met with complete silence and refusal to address my concerns. Despite my attempts to gain insight into the reasons behind the account closure and the loss of my funds, CashApp has shown a total lack of responsiveness and disregard for its customers. 

The {$800.00} that was removed from my account rightfully belongs to me from selling bitcoin, and I find it unacceptable that CashApp has taken this action without any valid explanation or authorization. This has caused significant financial strain and emotional distress. 

In light of the situation 's severity and CashApp 's refusal to communicate or provide a resolution, I kindly request the Consumer Financial Protection Bureau to intervene on my behalf. I seek the following actions to be taken : Request that CashApp promptly restores the full balance of {$800.00} to my account. 

Ensure that CashApp establishes a transparent and responsive communication process to address customer concerns effectively. 

I believe that the Consumer Financial Protection Bureau plays a vital role in safeguarding consumers ' rights and promoting fair treatment by financial service providers. I trust that your expertise and influence will help rectify this unjust situation and ensure that I receive the resolution I deserve. 

This email serves as an official record of my communication with the Consumer Financial Protection Bureau and my formal complaint against CashApp. I kindly request an acknowledgment of receipt and a commitment to investigating this matter in a timely manner. 

Thank you for your attention to this important issue. I look forward to a swift resolution that upholds consumer rights and holds financial service providers accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TN

Complaint narrative:
In XX/XX/2023 received a collection letter from I.C. Systems Inc. dated XX/XX/2023, concerning an alleged debt owed to XXXX XXXX, that they are trying to collect {$930.00}. I had to respond to their collection letter by XX/XX/2023, disputing this alleged debt. 
Accordance with the Fair Debt Collection Practices Act, I sent them a disputing letter dated XX/XX/2023, to this debt requesting specific information that would show that I did or didnt owe this debt. 
The disputing debt letter was sent to I.C. System Inc. via Certified Mail XXXX on XX/XX/2023. I received my green return receipt card back with a date of receipt stamped XX/XX/2023. 
I never received a response to my letter, I called I.C.Systems Inc on XX/XX/2023 and spoke with a XXXX XXXX and informed him of my sending the dispute letter via certified mail and it was received on their end on XX/XX/2023 and that I had received the green return receipt but no response to my letter. He would look into it. 
On XX/XX/XXXX received notification from different credit monitoring sites that a collection account had been added to my credit reports.

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 2023-08-02 00:00:00
Product: Credit card or prepaid 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: U.S. BANCORP
State: SD

Complaint narrative:
I started a dispute with US Bank regarding my card, no response for weeks. I get a few phone calls, from called ID blocked numbers or numbers that have no results in an internet search and are not listed anywhere on usbank.com, the caller claims to be from US Bank but I need to " verify '' first by providing confidential - super bad idea for me to go along with this so I tell them I think they are a scammer and hang up. 

I get an email, again from an email address listing a person and phone number that is not independently verifiable asking me to call - I respond that I will not call the number because the information in the email is not independently verifiable. No response Today I find out they are closing my credit card account, perhaps all accounts, it was not clear, because or disputing a charge. Ridiculous and completely unacceptable.

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 2023-08-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent certified letters via my Attorney to Transunion. per the court documents Transunion refuses to delete the XXXX XXXX  record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was charged interest 21 days after paying my balance in full. Capital One Quicksilver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was XXXX  when this account was opened and I have tried to contact the lender about this account with no assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I opened a business checking account with Chase to be able to manage my freelance money since I was starting a new project with a non-profit organization. 
I deposited a check for $ XXXX on XXXX XXXX at a Chase branch. I was told it would take up to a week for the check to clear. 

I tried to log into my Chase account via the app a few days later to access my account number to set up transferring services ( XXXX XXXX ), and it said it was locked. I called and finally was told that my account would be locked due to suspicious check. They asked for a phone number to verify the check writer. I shared multiple phone numbers of the non-profit organization but none of them were 'verifiable '. I am at a loss as to what to do because the non profit does not have a business phone number and I've tried the phone numbers of those involved. I am also still unable to access my online account and any information such as the account number. 

I'm not sure why they need to verify the check writer 's phone number- I told them they could call and talk to the organization or the organizations bank- but they aren't willing to do that. My money is now being held and I need to pay my contractors and supplies for the exhibit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/23 I noticed that my Bank of America debit card was no longer working. I immediately called customer service and was told that my account was closed without any further explanation. 

After attempting to log into my online account I noticed that my account details were no longer valid. However I did have the phone number to the fraud department from a recent claim and contacted them directly. The fraud department indicated that I needed to contact the risk management department. 

After speaking with risk management they confirmed that my bank account was closed due being an " unauthorized account ''. This account has been open for over 20 years and never had any issues with payments/deposits/etc. 

After I explained that their claim did not make sense I was told that risk management suspected " identity theft '' and I was asked to step into a local Bank of America branch to verify my identity. 

After visiting a local branch ( along with my mother and father ) and verifying my identity the account manager attempted to contact risk management in order to submit a cease of closure request as originally instructed. 

However when the account manager called risk management they were told that we could not submit a cease of closure request and the account had been scheduled for closure. 

Bank of America purposely misled me and has now refused to send the remaining funds ( approximately {$68000.00} ) which violates local and federal banking regulations in addition to multiple consumer protection laws. 

Furthermore Bank of America has blatantly refused to dispute an unauthorized charge for {$10000.00} on XX/XX/XXXX via my debit card which is a violation of the agreement between the card issuer ( VISA ) and the backing bank. 

Per the Bank of America user agreement account holders are not responsible for transactions that are unauthorized and/or fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-08-03 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief