vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
After noticing my debit card being declined at several different ATMs and trying to make purchases, i contacted CASH APP asking why this happening. 

Using their chat bot through the app. I got a vague answer with no explaination as to why they deactivated my card. Any thing that i may have done etc..to cause this. They said i can continue transferring money from within the app but that my purchases with the card will be declined. Final answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear Equifax : This letter is in response to your recent claim that XXXX XXXX  FINANCIAL has verified that I have an unpaid debt with them. XXXX XXXX  FINANCIAL has entered their information on my consumer report without sending correspondence in the mail for me to dispute the alleged debt before it was inserted. Why would you allow this? Yet again, you have failed to provide me with a copy of any viable evidence submitted by these companies. 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 ( XXXX ) 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 wet signature, showing that I have a legally binding contractual obligation to pay them. A customer service representative 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. These listed items are entirely inaccurate, fraudulent, incomplete, and represents a very serious error in your reporting. 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, and your state Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. This alleged debt should have never been inserted on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bright Capital Inc
State: NY

Complaint narrative:
On XX/XX/XXXX bright money the company took a fee of XXXX dollars from my checking account. I did not authorize this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : DEPT OF EDXXXX XXXX., Account name : XXXX XXXX XXXX, Account name : XXXX XXXX violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX fraudulent credit card take over and credit card FRAUD still on EXPERIAN illegally. 
Attached again is my Report FRAUD to the FTC and FTC Identity Theft Report. 
and XX/XX/year> letter to XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX SCAM to post negative info on my CRA 's.

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 2024-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: FL

Complaint narrative:
XXXX illegally signed me up for a contract I never authorized in the amount of {$480.00} and I successfully disputed it with my credit card provider. They then sent this to a collection agency - RFGI. They have begun harassing me via calls and emails demanding payment. This seems to be their standard business practice. I do not owe this and will not pay 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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Reporting To The Credit Bureaus To Whom It May Concern : I received a copy of my credit report about the bankruptcy below.

{ account_number } I was told from all 3 credit reporting agencies that you all report Bankruptcy to the 3 credit reporting agencies XXXX.Transunion, and XXXX. If so that is a private matter Especially if you didn't report it. Any account thats reporting on a consumer credit report must list the agency who is furnishing the account and list your name as reporting it to the credit reporting agencies. Can you please reach out to me and let me know if this is true please. As I know that forgery of your name onto my credit report if you didnt report it directly as the furnisher. 
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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Reporting To The Credit Bureaus To Whom It May Concern : I received a copy of my credit report about the bankruptcy below.

{ account_number } I was told from all XXXX credit reporting agencies that you all report Bankruptcy to the XXXX credit reporting agencies Experian.Transunion, and Equifax. If so that is a private matter Especially if you didn't report it. Any account thats reporting on a consumer credit report must list the agency who is furnishing the account and list your name as reporting it to the credit reporting agencies. Can you please reach out to me and let me know if this is true please. As I know that forgery of your name onto my credit report if you didnt report it directly as the furnisher. 
Thank you for your time and help in this matter. 

Sincerely, _____________________________________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have never opened an account with Chase Card Services, but a letter was delivered via XXXX  XXXX ( which had to be signed for ) to my address stating that I had an account balance of {$6200.00} that needed to be settled or else it would be submitted to a law firm for review. As stated previously, I have NEVER banked with Chase, so I think this is a phishing/fraud incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Comenity Bank calls me 5-6 times a day, every single day, including Sundays. They also typically do not leave a voice mail. Just calling over and over, all day long. I included a screenshot to show the 8 calls I have gotten from them just XXXX and XXXX alone so far, even. But there are dozens more beyond that, also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received multiple phone calls from the number XXXX, which is associated with Porfolio Recover Associates. They are a debt collection agency. However, it is impossible to have any outstanding obligation, as I do not have any transactions in my name. All of our purchases are made with credit sources in my husband 's name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
XX/XX/XXXX I was notified by mail that XXXX mortgage had sold my home loan to freedom mortgage. Since this had already happened once before since I bought the house back in XXXX, I didnt think much about it. A few weeks later I got a welcome package from Freedom mortgage. All documents will be provided. I was confused with the Paid In Full and security deed documents? The document stated my house interest rate would remain at XXXX, as you will see by the documents. Then XX/XX/XXXX I wanted to take advantage of getting home equity loan, I knew I had enough. The appraisal came in at XXXX, remaining mortgage was XXXX. I was told because of some late payments ( not missed payments ), I could only get the refinance at XXXX interest rate in addition to the other fees I was charged. I recently found a document Discount point disclosure form showing my starting rate of XXXX. Was this an error? See documentation.

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 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Mortgage Account # XXXX I reached out to Chase Mortgage bank about a XXXX months ago in reference to them removing late payments on the account since the account had been paid in full, they refused to do so. I have never not paid the mortgage. My ex-wife and I both had to make two separate payments on the mortgage recommended by the courts until it was sold. My ex-wife was late making her payments a few times which ended up counting against me as well. Chase refused to honor the payments made on-time because she was late on her portion. I explained to Chase Bank that I was going through a divorce and informed them that there would be two separate payments made monthly from my ex-wife and myself. I am not allowed to purchase a new home because of these late payments that I had no control over. Please have this account removed asap. Thanks! I put in for a dispute about this some months ago and nothing has yet to be removed. According to 15 USC 1692c ( c ), these late payments must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
My mortgage loan/account has been transferred to.SPS ( Select Portfolio Services ) a couple of years ago. 
I had been granted with 1 to 2 years of the ability to to pay mortgage due to Covid 19 pandemic. 
I paid the amount back when I was granted with the payment arrangements after 2 years of not paying mortgage, and successfully made all my.payments through. 
When it came up to a Ballon payment, company requested me to request an assurance and submit the application.with all documentations required. I did it all and they still were not fixing the situation as making a payment arrangements by saying consistently that something still needs to be submitted. 
Finally, it came to the point of me owing the amount of XXXX XXXX dollars to be paid, which was sent to SPS by mail as 3 checks, making a payment if XXXX. It had been sent on XX/XX/XXXX. They said deadline for quote is XX/XX/XXXX. 
Mail was sent as certified mail through USPS which was not taken by right people, and mail had been delayed due to a mistake. 
Due to being behind the deadline, I canceled 2 checks ( XXXX XXXX ), and other one was issued through XXXX XXXX, which needed to be stopped by my son, as it was through his account. My son was told that it had been applied as a stopped payment and he had payment reversed the second day. 
So I went and submitted a wire payment of XXXX XXXX on XX/XX/XXXX to the account they had instructed to. 
Through the whole time, me and my friend and I were calling SPS, which, as they said were making notes and recording my communications for security purposes, and asked the representative of SPS not to touch the mail of 3 cashier checks as they were reversed into wire payment which was received by SPS on XX/XX/XXXX. 
They promised that it won't happens. 
Yesterday, my son 's account had been charged by SPS, and after calling 4 times to SPS this morning and talking to multiple individuals, we got an answer that the mail was posted to my past due balance, and wire to my principle, but the other representative said ot was done vs versa, and payments were received at different times, as wire was received on XXXX, and mail on XX/XX/XXXX. 
Besides everything else, it us went to all odds and I can not go on and on anymore as it is very overwhelming. I need assistance ASAP. 

Please contact me at XXXX. 

Thank you beforehand for you consideration. 

Respectfully, 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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RGS Financial, Inc.
State: OK

Complaint narrative:
They have been calling my employer and the guy was angry with me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>. I sent in my FTC Report, along with my License to Transunion, XXXX, and XXXX. I am a victim of identity theft and i have incorrect information reporting on my consumer report. I will proceed with a civil lawsuit also.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I decided to start fixing my credit and noticed a few accounts I did not authorize. These accounts are SOUTHWEST CREDIT SYSTEMS opened XX/XX/year> for {$640.00}, and XXXX XXXX opened on XX/XX/year> XXXX. I would like for these accounts to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a Truist Bank account in XXXX and encountered issues accessing my account information online. When I called customer service, they couldn't verify my phone number and advised me to visit the branch. Despite registering my number at the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, the problem persisted. On, I attempted to transfer {$250.00} via XXXX to my XXXX XXXX account, but the transaction was held, and my account was subsequently blocked due to verification issues. Multiple calls to customer service and another branch visit on [ XXXX XXXX did not resolve the problem. As of XX/XX/XXXX, my account remains blocked, leaving me without access to my funds. 

Throughout this ordeal, Truist Bank has been unhelpful and unresponsive. Customer service repeatedly failed to verify my phone number or provide a permanent solution, and my visits to the branch were met with delays and ineffective resolutions. Their inability to address these issues has caused significant financial stress, especially as a XXXX  relying on these funds for daily expenses. Caused me significant mental stress cause I have been without food for the past two days just because the systems of truist are age old and not upto date.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Term : Revieve {$320.00} bonus when you open a new checking account and direct deposit {$1000.00} within 90 days XX/XX/XXXX Account was opened XX/XX/XXXX Terms were met XX/XX/XXXX I went in branch in XXXX, CT we hear the bankers would tell me my bonus would be deposited by closing of my statement. 

XXXX closed, no bonus deposited On XX/XX/XXXX I attempted to contact Wells Fargo again. The phone representative gave me a code to redeem my bonus in branch for cash. The agent had no clue what they were talking about, Wells Fargo only direct deposit its bonuses into your account. 


I am now writing this complaint to get the bonus deposited into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Improper use of my social and 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