vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Fraudulent applications may have been submitted in my name by two companies and may have been used to apply for credit or purchases without my consent. I have contacted in XX/XX/2022 XXXX XXXX XXXX XXXX and the representative claimed there is no record of me with any account or application for credit. I also contacted Syncb/Amazon XXXX XXXX XXXX and the representative stated she could find no record and would resolve the matter and report to have the inquiry removed. I have not heard from any of the companies and my credit report still reflect these inquiries. Finally, I submitted a fraud report to XXXX and was instructed to file a report with FTC.gov and was directed to CFPB.

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 2023-03-28 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was issued a refund by a merchant through cash app. It was a lot of small payments that were accidentally sent. The merchant understood what happened and refunded me all the accidental transactions. On my side of cash app, looking at my history and activity, everything looks like the transactions were refunded correctly. But when cash app sent the transactions through to my bank, instead of refunding me, they sent the refunds through as payments. So instead of getting the money back, it was withdrawn a second time from my account. I contacted my bank and they said there was nothing they could do because cash app sent the transaction through incorrectly. Cash app would have to correct the mistake on their end. So I called cash app. I got through to customer service and was told they couldn't help me then hung up on me. I called again and same result. I called again same result. I finally got a manager to contact me and she said she couldn't help me and told me she was closing my case. I am being ignored and the total missing from my account as of XX/XX/XXXX is {$2500.00}. Cash app has mistakenly withdrawn money instead of refunded it and is refusing to even address the problem. I'm at a loss. That is theft. They will not put the money back they took out and this is causing bigger problems for me daily. If cash app is not going to be held accountable for mistakes they make or be made to pay back money they drew out of someone's account mistakenly, the public needs to know that. I'm not saying I'm missing {$10.00}. They took {$2500.00} from me and are refusing to even communicate with me about it. I am now 20 days in and still nothing from cash app. This started XX/XX/XXXX. As Of today XX/XX/XXXX, I have not been refunded. And they closed my case. I have the documentation from the merchant and of course my bank statement showing the cash app blunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hello- I had my card on auto draft with XXXXXXXX XXXX  XXXX XXXX . My account went late for 30 days and I did not know until they called me since I assumed my account was on auto pay since I had the problem before and tried to resolve. The gentleman on the phone told me that the late payment would be taken off and I paid the balance over the phone to have that removed. to my understanding it would be taken on my credit report. It is still showing so I called again to see the issue and the new customer service rep told me the previous rep told me the wrong information that it would not be removed off my repot but XXXX my account. So I am not understanding if I was told in accurate information why the late payment was not taken off my report as the first agent stated. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 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: IL

Complaint narrative:
I recently check my credit file and i saw a account that was mines the date of the account was XX/XX/2022 the collection Agency was XXXX XXXX XXXX. THE AMOUNT WAS {$710.00} I have no recognition of this account or knowledge of this account. I'm a victim of fraud. In information is report wrong information on my credit file. I being violated of my rights under the fair credit ACT.

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: FL

Complaint narrative:
I received a bank debit XXXX  card mailed to my prior address and forwarded to my new address. I did not apply for and I did not authorize anyone to apply for this card. Someone applied for this card without my permission or authority to do so. The name noted on the front of the card is XXXX XXXX. I currently have a card from the same bank and advised Cashapp that I did not order this card. This is the second card I have received like this. The Cashapp card is issued by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION
State: PA

Complaint narrative:
I cosigned a loan with my daughter. We signed up for a fixed rate, we never signed any document that stated the loan was an adjustable rate and were given an adjustable rate. I only found out after several payments were made. Sallie Mae 's response was that it is too late. I asked for documentation showing that I agreed to an adjustable rate. 

There is no signature on a paper that I agreed to a variable interest rate. They failed to provide any form that includes a rate with a signature. 

This clearly a case of bait and switch. I agreed to a fixed rate, they assigned a variable rate after the loan signature. 

Thank You for looking into this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TN

Complaint narrative:
Dates ; XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX Amounts : Up to XXXX dollars worth of accounts that are not mine currently being reported on my credit reports Action taken : I filed a police report, and went on the FTC website and signed up for ID theft prevention measures as well as filed a FTC complaint.

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 2023-03-28 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hi I purchased a XXXX XXXX XXXX from XXXX XXXX  of XX/XX/XXXX,. I one payment in XX/XX/XXXX on XXXX XXXX Chase repo my vehicle and wouldn't work with me to get it back. They wanted me to pay the full amount owed which was XXXX I'm a XXXX  and XXXX I also don't see where they pulled my credit when I purchased the vehicle. At the time I had a fraud alert and security freeze on credit, I am a victim of identity theft in XXXX  did file with FTC. Chase has enter a Repo saying XXXXXXXX  the car was repo on XXXX. This is not true what they reported and not fair and should not get away with it and mistreat customers especially senior citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$470.00} XX/XX/XXXX XXXX  XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$140.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$85.00} XX/XX/XXXXXXXX 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 2023-03-28 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$470.00} XX/XX/XXXX XXXX  XXXX XXXX {$3000.00} XX/XX/XXXX XXXX CREDIT XXXX XXXX {$1200.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$85.00} XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
They called me and left me a message saying they needed to deliver some papers regarding a civil lawsuit against me. I returned the called. They had my name, address, birth date and social. They gave me the addresses of where my ex-sister-in-law lived ( we had the same name at the time ) and told me she must have used my identity to set up the account. They said she had paid on it for 6 years before defaulting and said I owe {$4000.00}. They told me I would need to wait for the papers to arrive and then dispute it. Here it is, one month later, I've called them 3 times to find out where these papers are and they keep telling me they're with the courier. The guy I spoke with today was extremely rude, told me my credit score was going to take a hit, legal threats etc and hung up on me. To be clear, I never owned this account and never lived at the addresses they had on file ( other than my current address ). I ran my credit report and nothing showed up. I feel like something shady is going on. 
Why do these people have my information and why are they threatening me with a lawsuit? I can't get any answers from them.

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 2023-03-28 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Last year in XXXX I found a fraudulent account opened with my social security number at Apple Card/GS Bank XXXX I filled an identitytheft.gov report, ref # XXXX. I notified XXXX about the fraud. The account was removed and I thought everything was taken care of. Then a couple months ago I checked the other credit bureaus and the fraudulent account is still there. 

Since then I have been in contact with the other credit bureaus and with Apple Card/GS Bank XXXX I have made many calls and filled disputes, but they will not remove it from my credit report and keep verifying it as correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I have had an issue with this mortgage company since XXXX turned it over to them. I have had several issues with this company. 
1. I haven't received a bill, via paper or email since day 1 even though I've made several requests. 
2. I am only allowed to make payments via XXXX XXXX or XXXX XXXX. 
3. I have requested a full audit of my account several times with no response. 
4. Each time I speak to an agent I'm told I owe a different. I'm never able to get an accurate count of how much I owe. 
5. I called today and they told me my house was in Foreclosure but, I'm yet to receive any type of notification.

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 2023-03-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I sent 3 certified mail letters to 3 credit reporting agencies, Experian https : XXXX? XXXX, XXXX https : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX regarding FCRA , METRO 2 standards violations on my credit report and an alleged debt of {$1300.00}, that was not verified and not validated as per USC 1692g. 

Experian, XXXX tried to correct the FCRA, METRO 2 violations but they still remain, I'll add two credit reports as proof, one before sending the letters and one after, further they did not verify and they did not validate the debt as per USC 1692g i.e, provide irrefutable proof of loan contract with original wet ink signature. 

XXXX didn't take any action at all. 

This is a gross violation of my rights and privacy and I plead CFPB to take swift action.

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: DE

Complaint narrative:
We are a C Corporate in Delaware. 

We have a bank account with Silicon Valley Bank, recently acquired by XXXX XXXX XXXX XXXX XXXX. 

We have three accounts with this bank, one in USD and one in EUR, and one in GBP. 

Right now ( today is XX/XX/XXXX ) and since XX/XX/XXXX and all the time between we are UNABLE to conduct : - Foreign Currency Exchange operations- Outgoing Wire Transfer using the currency accounts in EUR nor GBP I have been on the line multiple time with the bank support and they have been UNABLE to provide me with any realistic timeline or even a reason for these outgoing wire transfers in currencies ( EUR and GBP ). 

I have been told multiple times simply to wait for an unknown time without any roadmap or timeline. 

We are a small business and for us, it's a life-and-death situation. What makes this even worse we're not even given any explanation why they have suspended both the Foreign Exchange Services and Outgoing Currency Account ( EUR / GBP ) Wire Transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chex Systems Inc. has a recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. 

Yet again, they have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the XXXX XXXX XXXX XXXX XXXX & # XXXX  ; s office, should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX  ), you may be liable for your willful non- compliance.

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 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
On XX/XX/2023, I discovered several drafts from my XXXX XXXX checking and savings account from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX  XXXX XXXX. for Absolute Resolutions Investments LLC and who drafted funds from my accounts without my knowledge or permission. 

The XXXX XXXX XXXX drafted {$310.00} on XX/XX/2023 and {$380.00} on XX/XX/2023 from my checking account and an additional {$120.00} XX/XX/2023, {$19.00}, and {$4.00} on XX/XX/2023, from my savings. This money was to pay my bills. 

I was unaware of any judgements against me until these payments were drafted. When I reached out to XXXXXXXX XXXX XXXXXXXX XXXX. to discuss validating the debt that also has the wrong account number fand is past the Texas 4 year statue and they failed to do so. It was also discovered that the Process Server that was used by XXXXXXXX XXXX XXXXXXXX XXXX. forged the citation document claiming to have served me. I filed a complaint with the XXXX and an active investigation is pending. My accounts that I had in good standing are ruined as a result of these actions.

Company response to consumer: Closed with explanation