vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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 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 : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXXXXXX XXXX  XXXX {$0.00} 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 2023-04-11 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 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 : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
This account is wrong amount because i paid this account for this company ( 1ST FRANKLIN FINANCIAL ) i do not know this amount of debit this is mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Contrary to the records held by Wells Fargo Auto, I, natural person XXXX XXXX XXXX, am the original creditor for the transaction involving the XXXX XXXX XXXX on XX/XX/XXXX. Wells Fargo Auto received the authority to be a creditor through the extension of my open end consumer credit plan via my credit card. As the card issuer, I issued my credit card to Wells Fargo, where this organization became the cardholder, for the purpose of obtaining property. As the original creditor, the vehicle has already been paid in full by I, XXXX XXXX XXXX, via the finance charge.

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 2023-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MN

Complaint narrative:
We own a cabin property located in XXXX XXXX XXXX that has four-separate RE parcel numbers and four-separate RE tax statements. The parcels are as follows : XXXX XXXX ( delinquent XXXX ) XXXX XXXX ( delinquent XXXX ) In XXXX, I logged onto our BSI account to determine what the mortgage loan escrow account balance was and discovered that two annual tax payments were made on XX/XX/XXXX. One payment was in the amount of {$1100.00} and the other was in the amount of {$2.00}. I called the BSI Customer Service phone number at XXXX, selecting the number to talk with the tax escrow department. Since my initial conversation, I had spoken with six to seven different BSI customer service representatives and was notified that the delinquent RE taxes due in XXXX were not initially paid in XX/XX/XXXX ( when the RE tax amounts were deducted from this escrow account ) but instead were deducted from our escrow account and paid in full in XX/XX/XXXX. After going back and forth with a customer service representative, I requested a copy of our escrow account disbursements, which confirms that these RE taxes were paid TWICE ( once in XX/XX/XXXX and again in XX/XX/XXXX ). I then called BSI and spoke with another customer service representative ( XXXX ) who informed me that I needed to contact XXXX XXXX XXXX. When I contacted the County, they confirmed that the RE estate taxes for these two parcels indicated above were not paid in XXXXbut instead paid in full in XX/XX/XXXX. 

Once again, I called the BSI Customer Service phone number at XXXX, selecting the number to talk with the tax escrow department and spoke with XXXX, Supervisor who agreed that these tax payments were deducted from our escrow account in XX/XX/XXXX and again in XX/XX/XXXX. XXXX informed me that he would do additional research to see where the {$1100.00} deducted from our escrow account in XX/XX/XXXX went. I spoke with the XXXX XXXX XXXX Supervisor to confirm that they did not receive payment from BSI Financial in XX/XX/XXXX for the delinquent XXXX RE taxes. After searching through their records, he did not find any other payments from BSI financial and indicated that BSI should check its records to see if the check sent in XX/XX/XXXX was cashed by XXXX XXXX XXXX and if it was to provide me with the check number so that they can confirm. 

I have requested written confirmation of where the {$1100.00} deducted from our escrow account in XX/XX/XXXX went. I have sent two written requests to the tax/escrow department at BSI Financial Services once in XX/XX/XXXX and again in XXXX. I have not received a written response or any additional information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
There are 2 medical bills that an out of net work provider is charging me without my authorization. They are violating my right under surprise act of 2022. They are The Prof Medical Collection and XXXXXXXX XXXX XXXX they are also charging me interest ; every month the bills gets higher. This is improper use report. 


Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
I recently sold {$9000.00} of bitcoin via blockchain.com. When I went to withdraw it, they said that XXXX transfers were temporarily unavailable, forcing me to use a more expensive ( {$25.00} ) wire transfer option. The reason they gave was instability due to the recent XXXX XXXX XXXX collapse XXXX This is nonsense, however : there is no reason XXXX would be harder for them to use because of this, as neither I nor they bank with one of the affected institutions. 

In order for them to wire me money, they required me to first send them a wire from my account, so I did that on Friday. I confirmed with my bank that they received the wire Monday morning, but they claimed they had not received it until that night. 

When I sought to withdraw money today via wire, the website once again told me to first wire money to them before I could access my funds. I have talked with several different support agents about this issue, and none has given me any assurance that I will ever be able to get my money, or told me what I need to do to access it. They say the matter has been " elevated '' but it's not clear what that means. They have explicitly said they have no estimate as to when this problem might be resolved. 

There is a clear pattern here of denying access to funds, when the terms of service promise that I can initiate a transfer to a bank account at any time. All I want is my money that they are holding. I would appreciate CFPB 's assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: Fidelity National Information Services, Inc. (FNIS)
State: HI

Complaint narrative:
1. XXXX XXXX 2. Date of false reporting starts almost 4 years ( XXXXXXXX XXXX ). Its still reoccurring to this day. 
3. They first reported me to credit bureaus, so i sent correspondence to shut that down immediately. Was taken down/off my report first thing. And since chexsystems isn't something most people know about unless are dealt with a situation that requires them. Someone can falsely report you under detection, as not one place told me " oh you have an outstanding balance at XXXX. Sorry. '' That was until last year when i moved to Hawaii. XXXXXXXX XXXX i tried to get let me know, XXXX  bank is the one that is reporting you owing money. Besides the account being apart of an identity theft, I never owed them anything. They kept lying and saying my bank reversed deposits. I sent them bank statements of the month in question as well before and after discrediting their theory. They replied by saying that isn't true and then hanging up. I tell them I'm closing this account and only keeping my XXXX XXXXXXXX acct. Then a year or months later send me notice i am delinquent and owe almost {$900.00}. fast forward and they have continued to report me after not 1 but 2 failed investigation attempts by chexsystems. With the last one going to banks favor even when i have my bank send photo proof someone tried to deposit the check into a closed account. But this shows proof of receipt which they deny. And base there bs off in first place. Im sending with this report my bank statement who issued check directly to XXXX XXXX. And lastly the reply from my bank that issued said check on its current status as well as anything being shown that XXXX received check.

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have been a member of Discover since XXXX. I have done a great job of paying on time and most of the time in full. During the XXXX congressionally declared national emergency I was experiencing financial difficulty as like many others and I called Discover and let them know. I presumed they offered resolution under the CARES acts They enrolled me in a payment program that lowered my interest rate to around 17 %, this was the only option offered to me as a relief during the pandemic. On XX/XX/XXXX I paid off my entire balance plus interest upon finally getting larger sums of monies rendering me able. AT NO TIME did they disclose that I could be Revoked and have my credit impacted negatively in an extreme manner, I have suffered damages for their actions even after being square on payments and in good standing a year or more. The only thing Discover said is they would temporarily suspend spending ability until I finished paying the balance under these terms to receive help during pandemic. Since then they Revoked my account causing my credit to drop XXXX points. They did not inform me that the account would be revoked, closed of impact my credit negatively especially after I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
I transferred money from my checking acct with XXXX XXXX Bank to an account holder in Cash App. I sent 2 transactions of {$50.00} and 2 transactions of {$50.00} ... for total of {$160.00}. The person I sent the funds to contacted me and stated they did not receive {$50.00} that I sent. 

I then needed to send this same person {$30.00}. I sent the {$30.00} but got a response from Cash App that the transaction was on hold due to technical difficulties within Cash App. At this same time, I received another text from Cash App to my cell phone stating my {$30.00} transaction was being refunded... here is that text... 

... '' CASHAPP : For your protection, your {$30.00} payment to $ XXXX has been refunded. {$30.00} has been returned to your CASHAPP account and will be available in 2-4 working days .... '' I received a similar text fof {$50.00} that I had transferred to the same person. I assumed that since I got the message from Cash App about internal technical difficulties precipitated that 2nd text. The person I sent it to also stated they did not get the {$30.00} ... .so, I re-sent the {$30.00} and the recipient stated they got the {$30.00} ... .but not the initial {$30.00}. 

When I contacted cash app support soon after I made those 4 transactions, I was told by cash app that all the transactions were sent successfully ... despite the person I sent it to telling me otherwise. 

So what's happening here? Did I actually send {$160.00} or are the initial {$50.00} and {$30.00} being refunded per the text I received from Cash App, meaning I actually only sending {$80.00} and the {$80.00} being refunded and I'll see that money bank in my account in a couple days. It seems I got scammed for all 4 transactions. 

I contacted cash app several times and their response was always... the funds were sent to this person and they can not refund my money. I also contacted the person I sent the funds to and they responded they don't know anything ... an obvious, unfortunately, scam. 

Please advise on all this... I am terribly upset over all this. I await your kind reply... thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington mortgage is refusing to provide me with a payoff letter. Ive followed all of their instructions and they keep lying as to why I cant get this letter. First lie. they said application letter wasnt received. Second lie was I didnt sign it and the 3rd lie was that my email address wasnt associated with the account. This is my fathers house. He passed away last XXXX. Weve been dealing with probate. Carrington was advised every step of the way on progress etc. now it seems their refusal to provide this letter in a timely fashion leads me to believe theyre trying to sell the house from under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
This account was a identity thef ( NORDSTROM/TD BANK USA ) was XX/XX/2019, some one take out this account, i report this to this company!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: 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 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 : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/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 2023-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously requested that Experian provide original contracts for the items listed below that were previously disputed and supposedly verified. They have not provided original signed contracts that correlates to these accounts in question that states ownership or agreement of collection fees. 

These accounts should be deleted without such verification under FCRA 609/611 provisions - ACCOUNT NAME : XXXX XXXX XXXX XXXX # : XXXX amount : XXXX -ACCOUNT NAME : XXXX XXXX XXXX account # XXXXXXX amount : 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 2023-04-11 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: CA

Complaint narrative:
I just looked at my consumer reports and noticed an account that needs to be deleted. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never provided written consent to report the account : XXXX XXXX XXXX  Account XXXX : XXXX. Please investigate and provide proof that I authorized the reporting of this information. If proof can not be provided I demand this account to be deleted from my TransUnion consumer file.

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 2023-04-11 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

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 2023-04-11 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Last fall I purchased a plane ticket for my son XXXX XXXX from XXXX, North Dakota to XXXX XXXX XXXX, Utah for travel dates of XX/XX/XXXX to XX/XX/XXXX. The XXXX ticket was purchased through Capital One Travel with Capital One Venture points ( XXXX ). Unfortunately, the outbound flight was canceled due to sever weather conditions. 
I immediately reached out to the Capital One Travel office to receive a credit for the canceled flight. Prior to the travel dates, I had canceled my account with Capital One Venture Card. It took 2 months of calling and staying on the phone for several hours and talking with Supervisors to figure out how to return the cash value of the XXXX points. The cash value of XXXX is {$560.00}. However, according to the XXXX receipt ( I have the form from XXXX ) the round trip flight was worth {$470.00} This is the amount that was returned to Capital One Travel. 
Finally, Capital One Venture issued a travel refund credit for {$280.00} ( I have the credit card statement ). Obviously, Capital One had made a profit of {$190.00} at my expense. I am requesting the remainder of the refund ( {$190.00} ). I feel that I am entitled to to the entire refund that Capital One received back from XXXX and also I worked hard to accumulate that many points and buy my plane ticket. I should not be penalized because the flight was canceled due to severe weather. I would like them to credit my account number that ends in XXXX for {$190.00}. 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation