vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app is literally stealing from people! Stealing from me! 

They stole {$64.00} from my account today XX/XX/XXXX. This charge was said to have been completed on XX/XX/XXXX. They took it out again! This is the second time that unauthorized transactions took place in my cash app account and they took it out again! 


I recently submitted a complaint : On XX/XX/XXXX I was charged an amount of {$54.00} to merchant XXXX XXXX using my Cash App debit card. I moved {$60.00} to my Cash App card from my XXXXXXXX XXXX XXXX on at XXXX on XX/XX/XXXX. Immediately, {$54.00} was missing from my Cash App. The notification that appeared was to notify me that that amount was missing due to it being charged to the merchant XXXX XXXX for the transaction that occurred on XX/XX/XXXX. I reached out to Cash App to see why I was I was charged again on XX/XX/XXXX for a transaction that was completed on XX/XX/XXXX and they stated that I was only charged once on XX/XX/XXXX and that it was indeed completed that day. Upon following up with Cash App, their reasoning for taking out {$54.00} on XX/XX/XXXX is because there was an " impacted transaction error that occurred between XX/XX/XXXX and XX/XX/XXXX '' and as a resolution they deducted the funds back out of my account ( and many others ) to reflect the " correct '' balance due to the funds incorrectly being returned to my account. There was never a return of funds into my account from this transaction or any transaction for that matter, from Cash App. They literally stole from me {$54.00} and blamed it on a system glitch, which was their error and they refuse to refund me or credit my account for the amount that they took. I notified them of this and escalated this issue with their advocate team and was told that although it is unfair to the consumer that there was a transaction glitch, they simply took back the monies that they accidentally put back. To my knowledge, they stole from me and no consumer should have to pay for their mishap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I keep receiving text messages from them. I have submitted the stop text 4 times now but they still keep texting

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 2023-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a call from a debt collector representing Security Credit Services. The debt collector informed me that I owe them {$1800.00}. Not having any knowledge of this debt, I asked the debt collector to send me either a contract or/and accounting records that prove this debt belongs to me. Hence, I was told that said records would be sent to me and that it would be marked on my file that I have no knowledge of this debt. Thus, further collection attempts should have ceased until the debt could be verified. 

Today, on XX/XX/XXXX, I received another call from a debt collector representing Security Credit Services asking me to pay the {$1800.00} that is claimed to be owed. Keep in mind, I still haven't received any documents from this company that verify this debt belongs to me despite the previous agent telling me that the records would be provided. 

Lastly, this alleged debt is being reported on my credit report ( s ) and I disputed the debt in XXXX asking for debt VERIFICATION. That being said, I have asked this company for verification of this debt three times ( once in writing and two times over the phone ). Despite all of this, verification of the debt has not been provided and the company continues to negatively affect my credit score and contact me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
This is continuation of the complaint filed under the number XXXX. The bank 's response is incorrect. You are referring to the terms of online account which was not the terms offered to me. I opened an account in the XXXX XXXX as per terms provided by the XXXX XXXX. Also my bonus amount is incorrectly mentioned as {$450.00}. I have been promised {$600.00} as the terms are for opening an account in HSBC branch in XXXX. I have provided all the necessary attachments with emails and correspondences from the HSBC branch manager and the terms of offer in the above mentioned complaint. Request the educated employees of HSBC to please read take some effort to read the complaint and attachments sent before responding. I do not need to know what all offers HSBC had in promotion during a certain period for all customers. I want HSBC to honor the terms offered to me for which I have provided all the necessary emails and attachments from HSBC XXXX Branch manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MD

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-05-17 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: MD

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Identity Theft XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2023-05-17 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: OH

Complaint narrative:
This is a follow up on my complaint that you've closed XX/XX/XXXX. My issues wasn't addressed well. 

I am asking for your help to have XXXX  XXXX XXXX with an account number XXXX opened in XX/XX/XXXX deleted from my file. I asked the bureaus todo verification for this account and they did. They stated that the account is accurate without providing me any proof of how and who checked it. I know under the law that they are required to provide me all the information as proof.

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 2023-05-17 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have recently reviewed my credit report with XXXX XXXX, XXXX, Experian and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all 18 active federal student loan accounts noted at department of education/ XXXX  off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. 

XXXX have reported 18 active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of EducationXXXX XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.

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 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I would like to receive the two ( 2 ) recorded call transcript dated XX/XX/2022 at XXXX XXXX  PST and XX/XX/2022 at XXXX XXXX  PST. I would also like the photo contents of the payment envelope date XX/XX/2022 for loan XXXX. Payment was made for XX/XX/2022 in the amount of {$7000.00} check dated XXXX which was cashed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On Monday XX/XX/2023 at approximately XXXX I attempted to deposit my check in the atm at my local Wells Fargo XXXX The machine malfunctioned, cut off, and rebooted and took my check giving me a receipt saying it was accepted but upon looking in my account the deposit was nowhere to be found. I then went inside the branch and was told to call the number on the back of my card or wait and have a banker help me. I waited and this banker filed a claim for the missing deposit. I got an email an hour later saying my accounts is now frozen and will be closed XX/XX/XXXX due to a fraudulent check. An hour later I received a new email saying my account is being closed because of an atm deposit not matching the amount of a check. Neither of those reasons are factual nor true because the check was not even processed nor deposited. I have been sent back and forth between being told to speak to the claims department and fraud department to have the hold taken off my account because I have bills that are due and piling up, I have no access to my account nor my check and am consistently told I can do nothing and have no access to my money until XX/XX/XXXX, nearly two weeks with no access to my funds. My account was not only wrongfully frozen but is being wrongfully closed. I have no access to anything. No one is helping me. All because the atm malfunctioned I am now dealing with extreme consequences and Wells Fargo refuses to offer assistance or help me in any way.

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 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I turned in notice to my apartment/townhome as per the lease. I had 1 month on lease, I asked if I could turn in keys early, they said yes. I tried to pay last month of lease, which was about {$1200.00}. They said I would receive a bill and they would subtract my deposit etc. The bill I got was not correct and I did not break my lease, the bill was for {$5300.00}. I fulfilled everything I was supposed to do and I could not pay this amount. The apartments leased the apartment the next month. They are out nothing. This amount is not correct and should be removed entirely from my credit bureau. This is deceptive practices by the apartments and collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I received an escrow analysis stating that we are beginning the year with a {$4900.00} ( approx ) deficit. We modified in XXXX. We received an escrow analysis the last couple of years and our payment went up a bit due to the taxes and insurance increase. However, this year they are raising our payment over {$300.00} a month. We can not afford this increase and it seems they dropped the ball on notifying us properly so that we would not be in this situation. The mortgage company/lender should pay this deficit as it was their fault for letting us get in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: TX

Complaint narrative:
I am contesting this charge because XXXX XXXX XXXX XXXX neglected to secure an insurance referral before the appointment. They never reached out to me to obtain this referral on my own, therefore I was under the impression as before that they would handle this referral between them and my insurance company. I was then charged as an out-of-network patient because of a lack of a referral. Then, based on the suggestion of my insurance company, I filed an appeal with XXXX to investigate why no insurance referral was on file in XXXX. The business office informed me that I would receive a response within 30 days which never happened, and upon my follow up calls with XXXX they claimed there was no record of an appeal. I attribute this to their own negligence. 

The collections agency has neglected to ever inform me of the outcome of the second appeal that I filed with them, and continue to notify me that the amount is owed. The company that owns my debt now is the State Collection Service. 

It should also be noted that I already paid the XXXX copay on XX/XX/2022, the date of my appointment. Upon making the payment I was not informed that an insurance referral had not been obtained. This is the correct and final amount that I should have owed for this appointment, as it was in-network.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
Theyre trying to collect a debt thats not mines from XXXX cable I ask for their original contract, and I told them this is not me, and XXXX refused to move it

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 2023-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: OH

Complaint narrative:
This is a follow up on my complaint that you've closed XX/XX/XXXX. My issues wasn't addressed well. 

I am asking for your help to have XXXX XXXX XXXX with an account number XXXX opened in XX/XX/XXXX deleted from my file. I asked the bureaus todo verification for this account and they did. They stated that the account is accurate without providing me any proof of how and who checked it. I know under the law that they are required to provide me all the information as proof.

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 2023-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am never late in this accXXXX the account and remove the late payment remarks! ount please remove the late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-05-17 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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