vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Data Corporation
State: DC

Complaint narrative:
My name is XXXX XXXX, I tried to use my debt card to purchase items at a store that uses Tele Check Services, I was turned down and was then given a code as the reason I was turned down and to get in contact with Tele Check services. I called their number XXXX, I was immediately asked for my Bank Account Drivers License Number I refused, ( I felt this to be entrapment and illegal ) My identity has been stolen. I have good credit after spending money to safe guard it, I wanted to know what was in their files on me that may hurt me again. Heck Their Parent Company XXXX XXXX ( which brought out First Data /Tele Check in XXXX of XXXX ) had a breach of their own computer Security software last year in XXXX.Now knowing this I'm suppose to just trust them with my personal information, I was then told my credit was going to be affected if I didn't comply. " this was black mail '' I filed a Small Claim against them, On XX/XX/XXXX in the District of XXXX on Superior Court (  Small Claims Court, suing for {$10000.00} ) well they hired a Law firm against ( Little ole me ) and they've stated that I brought up an article published back in XXXX from Consumer Protections web-site stating that they were fined back then in the amount of {$3.00} Million for violating the consumer protection laws, that this case belongs in District Court here in the District of XXXX  because this case was similar and was filed in the wrong Court, and should be heard in the District Court of Washington DC and while doing so they also filed for notice of removal! I'm not a lawyer!! But why are they so scared " maybe because their still up to their old tricks. The case number is XXXX with Judge XXXX they want a response by XX/XX/XXXX, In District Court of Washington, D.C. They're afraid you may come after them again.

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 2019-09-10 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 — Problem with personal statement of dispute
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
Ive tried to settle an account with PENN CREDIT CORP and they still refuse to remove negative information even though this account was left on at the property after I moved out of state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/2019 an unauthorized transaction to my personal Bank of America account for the amount of {$740.00} coming from Bank Of America itself on the Small Business Division as " a payment '' -not a fee. I disputed the amount and they told me they can not reverse the charges even if they were not authorized cause it came from the same bank. I insisted it came from a different division with a different name, different billing address ( XXXX XXXX XXXX. XXXX  XXXX, XXXX, DE XXXX ) and even different Federal Identification Number therefore is a different business and it should be treated as if it were any other creditor or bank institution.I asked how is it possible that you are able to do it when it comes from any other bank but not from your same bank name even from a Different Division, they answered saying they have the right to do so. I said Unauthorized is Unauthorized, if I had my account opened with another bank institution, the BOA Business division would had not been able to do so, and they acknowledge that what I was saying was correct but that they were sorry. 

They deducted the money as an ATM transaction and that debit card has been issue just recently. there is no possible way that they had obtained the debit card number from me. I considered this was not just unauthorized but fraudulent from Bank of America itself. 

I contacted the BOA small business division and they in fact point blank told and acknowledge that " YES. YOU DID NOT AUTHORIZED THE TRANSACTION '' and they acknowledge THAT I DID NOT EVER PROVIDED MY PERSONAL DEBIT CARD NUMBER TO 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 2019-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have contacted Synchrony every month since XXXX wanting to know why I was being charged a fee higher and in addition to the interest. They kept saying it was for debt protection. I have told them I never signed up for that and want it canceled along with a refund. Apparently I have been paying the fee for years and they still have not canceled it. Magically a payment I made last month never reached them. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-10 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 have disputed the age of a medical bill at least 4 different times including sending proof of the age of this bill. It is over 7 years old. Credit Bureau says collection agency is verifying the debt yet no one can provide any proof of the debt. I was able to have the original creditor track down proof of the age of these debts from a storage unit. I sent those in to Experian and 3 days later got a response that collection agency verified and it remains. Of course the collection agency is going to say its balid they want to collect on it. Im at my wits end and need help getting this updated on my 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 explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
When i first bought my home in XX/XX/2017, after a few months my home owners insurance was cancelled because I didn't schedule a time for someone to come inspect my home ( even though this had already been done prior to starting the home owners insurance ). My insurance was cancelled. My mortgage lender never notified me that they would have to force-place insurance on my home. After I received new insurance, I called to update them on my new plan. I was told that they weren't aware that my insurance was cancelled because they weren't informed. So they said that since my home wasn't insured for the time I was without insurance, they would have to force-place insurance for months missed. Now my mortgage payments have gone from around {$620.00} to {$1100.00} per month and I am struggling to make payments. I looked into the laws for force-placed insurance and found this ; " The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. 
The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ). '' None of this happened as my mortgage company was " unaware '' that I was without insurance. Please advise if there is any action I can take to amend this. I am already on  new insurance but I am still having to pay these extra fees until 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 2019-09-10 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: IA

Complaint narrative:
I found a credit card account on my credit report that did not belong to me and disputed it with XXXX XXXX XXXX as identity theft. I was able to determine my mother used some of my information to take this credit card out in my name, max it and never make a payment. XXXX XXXX XXXX was reluctant to help and required me to complete a police report which I did. I reported to the XXXX, IA Police Department that my mother had committed identity theft in taking a credit card out in my name. The police department asked for additional information which I did not have and when I requested it of XXXX XXXX XXXX they refused to cooperate with the police investigation. I also hired my boss 's husband who has a lot of experience in forensic and fraud investigation. He reached out to XXXX XXXX XXXX and they required me to fill out some additional paperwork which I did. Prior to filing out that paperwork they said their investigation determined it wasn't fraudulent because of 3 points. Those 3 points were the address of the credit card ( not my address it was my mothers ) the IP and email of the credit card application ( not my IP address and it was my mothers email ) and the phone number used on the account ( not my phone number but my mothers ).

I'm an adult and don't have anything to do with my mother for obvious reasons. I've repeatedly reported this identity theft to XXXX XXXX XXXX and they refuse to remove the account and refuse to remove it from my credit report which harms my credit score. I believe they have violated my rights under the FDCPA and the FCRA. While they were not the initial fraudster, my mother was, they have contributed to perpetrating a fraud and identity theft on me by lacking to apply the most basic of investigative work once they were notified of the identity theft. A child using an internet browser could quickly determine the information XXXX XXXX XXXX points to proves it isn't my account versus proving otherwise. Furthermore, I have witnesses to this which have informed XXXX XXXX XXXX of these errors and they ignore any real evidence.

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 2019-09-10 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: IA

Complaint narrative:
I found a credit card account on my credit report that did not belong to me and disputed it with XXXX XXXX XXXX as identity theft. I was able to determine my mother used some of my information to take this credit card out in my name, max it and never make a payment. XXXX XXXX XXXX was reluctant to help and required me to complete a police report which I did. I reported to the XXXX, IA Police Department that my mother had committed identity theft in taking a credit card out in my name. The police department asked for additional information which I did not have and when I requested it of XXXX XXXX XXXX they refused to cooperate with the police investigation. I also hired my boss 's husband who has a lot of experience in forensic and fraud investigation. He reached out to XXXX XXXX XXXX and they required me to fill out some additional paperwork which I did. Prior to filing out that paperwork they said their investigation determined it wasn't fraudulent because of 3 points. Those 3 points were the address of the credit card ( not my address it was my mothers ) the IP and email of the credit card application ( not my IP address and it was my mothers email ) and the phone number used on the account ( not my phone number but my mothers ).

I'm an adult and don't have anything to do with my mother for obvious reasons. I've repeatedly reported this identity theft to XXXX XXXX XXXX and they refuse to remove the account and refuse to remove it from my credit report which harms my credit score. I believe they have violated my rights under the FDCPA and the FCRA. While they were not the initial fraudster, my mother was, they have contributed to perpetrating a fraud and identity theft on me by lacking to apply the most basic of investigative work once they were notified of the identity theft. A child using an internet browser could quickly determine the information XXXX XXXX XXXX points to proves it isn't my account versus proving otherwise. Furthermore, I have witnesses to this which have informed XXXX XXXX XXXX of these errors and they ignore any real evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: IA

Complaint narrative:
I found a credit card account on my credit report that did not belong to me and disputed it with XXXX XXXX XXXX as identity theft. I was able to determine my mother used some of my information to take this credit card out in my name, max it and never make a payment. XXXX XXXX XXXX was reluctant to help and required me to complete a police report which I did. I reported to the XXXX, IA Police Department that my mother had committed identity theft in taking a credit card out in my name. The police department asked for additional information which I did not have and when I requested it of XXXX XXXX XXXX they refused to cooperate with the police investigation. I also hired my boss 's husband who has a lot of experience in forensic and fraud investigation. He reached out to XXXX XXXX XXXX and they required me to fill out some additional paperwork which I did. Prior to filing out that paperwork they said their investigation determined it wasn't fraudulent because of 3 points. Those 3 points were the address

of the credit card ( not my address it was my mothers ) the IP and email of the credit card application ( not my IP address and it was my mothers email ) and the phone number used on the account ( not my phone number but my mothers ).

I'm an adult and don't have anything to do with my mother for obvious reasons. I've repeatedly reported this identity theft to XXXX XXXX XXXX and they refuse to remove the account and refuse to remove it from my credit report which harms my credit score. I believe they have violated my rights under the FDCPA and the FCRA. While they were not the initial fraudster, my mother was, they have contributed to perpetrating a fraud and identity theft on me by lacking to apply the most basic of investigative work once they were notified of the identity theft. A child using an internet browser could quickly determine the information XXXX XXXX XXXX  points to proves it isn't my account versus proving otherwise. Furthermore, I have witnesses to this which have informed XXXX XXXX XXXX  of these errors and they ignore any real evidence.

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 2019-09-10 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: GA

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2019 {$250.00} Open balance XXXX  XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
Square Inc owns a company called " Cashapp '' i have been using for a few years now. i recently received payments for a vacation my friends and i are taking. in total i received XXXX, on XX/XX/XXXX and XX/XX/XXXX i elected to cash out my funds to my bank account. the money moved to pending and said id have it available by friday. friday came and the funds were still not added yet. by saturday they had moved the day i should have access to tuesday XX/XX/2019. when i checked this morning it said that they closed my account and the reason for closing wasnt very specific and then when i looked at the section i was told to refer to none of it matched why my account should be closed. none the less the funds were still stuck in pending status. on the app it told me to use a different debit card since the one on file was being blocked for some reason. i tried using 2 other cards and both were still blocked. i contacted customer service ( they dont allow you to talk over the phone with anyone ) so i sent an email, every email i sent i got the same automated response. regardless of them closing my account ( which makes no sense ) i should still be able to be returned my funds and so far i havent seen anyway. i looked online and over 1000 people were dealing with the same issue. Cashapp is scamming people and they need to be stopped. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Thomas Agency, Inc.
State: CO

Complaint narrative:
In XX/XX/2019 I set up a payment plan with the Thomas Agency to pay an unreported debt I received notice about. I had an old debt that had been reported and was about to fall off my credit after hitting the 7 year mark. So we made a verbal agreement to set up a 6 month payment plan. Since they would not put it in writing, I sent my checks with accompanying letters confirming the arrangement, the debt to be paid and that acceptance of the check was acceptance of the terms of the agreement. Now four months later it has been brought to my attention that they have been taking my  payments and applying them to the old debt. I noticed this after they pulled this debt off my credit report, only to re-report it the next month as a new debt. This has hurt my credit and the company is not taking any responsibility for this. Their only response was to take the payment off and report the same debt yet again. I do not know if this is payment plan of unreported debt is a scheme to get old debts paid off, but either way it is in breach of an agreement they made to me. Now I am in a position that my credit is going to get further destroyed, as a result of just trying to pay what I owe. I have saved my letters and accompanying check numbers.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-10 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:
XXXX XXXX XXXX Last reported XX/XX/2019 {$250.00} Open balance XXXX XXXX XXXX Original creditor

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 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: United National Services
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from 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 explanation