vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NM

Complaint narrative:
XX/XX/XXXX, {$2600.00} transferred out of my account via instant transfer to card XXXX Same day {$39.00} was refunded for transfer not being made instantly XX/XX/XXXX, my bank sent back {$2500.00} was sent back to my account as a chargeback. I was told that it could take up to 45 days to be credited XX/XX/XXXX, my bank spoke to your process partner XXXX that {$2500.00} was processed by them but they can't see where it went only cashapp can. My bank spoke to them on XX/XX/21. 


XX/XX/XXXX, was the 45th day and my money {$2500.00} still hasn't been credited into my account. 


Reference # XXXX Tracing # XXXX This is my banks reference and tracing number of the charge back sent to my account. 

My bank has explained to me that cashapp has my money of {$2500.00} as of XX/XX/21. XXXX did process the funds on that day.. 
XXXX needs to be contacted to manually credit my account with cashapp. That has to be done by cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries that were placed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have noticed some incorrect accounts and inquires showing on my credit report. According the FCRA code 15 U.S. CODE 1692e- false or misleading representation. This is a serious violation and I am requesting for you to delete immediately to avoid legal actions for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
All though out the start of the Covid outbreak all the way to XX/XX/XXXX when I paid the account in full. American Express has consistently engaged in questionable and overly aggressive tactics and threats as it relates to my account they closed and for no reason our cause. They continued to draw funds from my account after advising them the account had changed and providing the information verbally due to the limitations on there web site to make the change myself. My wife is a XXXX XXXX and caught XXXX the early part of this year and in XXXX my father passed due to the XXXX. When I called in XXXX and XXXX to explore what options. I could literally hear someone laughing in the background as I was explaining my concerns trying to prevent negative information during the pandemic. I was hung up on, several times as I tried to work with American Express. Finally I ended up taking on three jobs just so I could pay the debt off, because the last call I received a man with a thick accent threatened to turn the account over to a third party if I didnt pay within 24 hours and he was so demanding and aggressive. I have never experienced anything like this before and I know American Express does not operate under these types of values, so I was shocked that with how hard these last two years has been on everyone. The was I was treated when trying to ask for help during this world disaster is just eye opening to be honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc.
State: VA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, theASPEN COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XX/XX/2021 {$260.00} {$260.00} Ive disputed this collection multiple times, yet it has not been deleted as well as being on my report twice. National Credit Systems has furnished inaccurate information to the credit bureaus, and the credit bureaus have furnished inaccurate information to my consumer report without thorough investigation or my consent. This collection is on my report twice, and is in-fact incorrect. This was a joint account, the application fee & administrative fee were PAID, we were denied due to a background check, yet they are saying we owe something for moving out before a term was up when that never even occurred!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Loan originator, XXXX XXXX XXXX ID # XXXX was unresponsive and misleading in describing cost associated with refinancing mortgage held with existing lender ( Freedom Mortgage, NMLS ID # XXXX ). Process was initiated in late XX/XX/2021 and concluded in early XX/XX/2021 when I declined to close without an explanation of closing costs that were added to loan without disclosure. 

Throughout the experience, Freedom Mortgage and their associates were unresponsive to multiple calls and emails

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 2021-10-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have noticed some incorrect accounts and inquires showing on my credit report. According the FCRA code 15 U.S. CODE 1692e- false or misleading representation. This is a serious violation and I am requesting for you to delete immediately to avoid legal actions for violations.

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I attempted to go through a refinance company on XX/XX/2021, for my mortgage and to my surprise was told that some derogatory information by EQUIFAX MORTGAGE SOLUTIONS, a credit check service for the mortgage industry; whom I NEVER gave expressed nor written consent to have a report in the first place with any of my personal data/information is reporting inaccurate, false, misleading and deceptive information that is impeding me from moving forward with this refinance company. It is a fact, that, I, have reason to believe and do so believe, I am a victim of aggravated identity theft under Title 18 U.S.Code 1028A, as EQUIFAX MORTGAGE SOLUTIONS, has knowingly used without lawful authority, without my permission a means of my identification, which is in direct violation of 15 USC 1681b. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681, requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. Under the FCRA, I have the right to dispute all incomplete and inaccurate information in my credit reports with the agency that made the report. And as a, federally protected consumer, I will use all remedies available to me, and hold the CRA liable under 15 U.S.Code 1693m for the actual damage caused to me, as well hold them liable for any and all violations, and of course hold them liable for criminal liability pursuant to 15 U.S.Code 1693n. Please see enclosed attachments of proof provided to me by the refinance company of the same derogatory inaccurate information I am disputing here today, that they see on their end. I have already attempted to handle this over the phone with the company in this complaint, and as of yet no luck, and no solution based outcome as come out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: CA

Complaint narrative:
Capio Partner communicated in a letter they sent me through the mail with intent to extort money from me by using interstate communications in a scheme of fraud by using threat, intimidation, deception, and enticement to coerce me into paying them money through the mail. They claimed they purchased this alleged debt from XXXX XXXX and has been contracted to collect by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 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: LA

Complaint narrative:
I have noticed some incorrect accounts and inquires showing on my credit report. According the FCRA code 15 U.S. CODE 1692e- false or misleading representation. This is a serious violation and I am requesting for you to delete immediately to avoid legal actions for violations.

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 2021-10-28 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: GA

Complaint narrative:
EQUIFAX is refusing to put a freeze on my credit report! And EQUIFAX is missing my credit report by put malicious malice vicious slander and intimidation! I asked for a freeze I was denied and EQUIFAX continue putting untrue information on my credit report concerning XXXX XXXX XXXX THIS COMPANY IS NOT MY MORTGAGE HOLDER! Please remove the fraudulent slander from my credit report immediately! Cease and desist reporting fraud! And again REMOVE CHAPTER XXXX bankruptcy! I DID NOT FILE DISMISSED BECAUSE THERE WAS NO MEETING OF THE CREDITORS! I was granted FREEDOM IN THE NAME OF XXXX XXXX IN THE NAME OF XXXX XXXX YOU ARE COMMITTING A CRIME CALLED FRAUD! Cease and desist fraudulent report immediately! 
EQUIFAX XXXX XXXX ARE REPORTING XXXX 2 times XXXX IS NOT A MORTGAGE LOAN CEASE AND DESIST FRAUDULENT REPORT! This LOAN IS FRAUDULENT PLEASE CEASE DESIST FRAUDULENT REPORT! USDA AGREED TO REMOVE THIS FROM MY CREDIT REPORT! STOP REPORTING XXXX 2 times this is fraud XXXX LOAN IS NOT LABELED A MORTGAGE LOAN YOU ARE VIOLATING MY RIGHT OF RATES REPORTING FRAUDULENT! 
I am forgiven of all debt in the name OF XXXX XXXX IN THE MIGHTY NSME OF XXXX XXXX DTOP THIS SLANDER AND ABUSE AND INTIMIDATION IS A CRIME! STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello Sir/Madam, I appreciate you can assist this case. 

There was a advertising, which mentioned I can earn 2 tier-qualifying night credits for each night I stay from XX/XX/2021 to XX/XX/2021 as long as you applied by XXXX XX/XX/2021 ( as attached ). Then I applied the credit card on XXXX XX/XX/2021. 

When I checked with Chase about my sign-up bonus, the customer service replied I'm not qualified as Chase approved XXXX XX/XX/2021. It doesn't make sense to me as the terms of condition was indicated apply by XXXX XX/XX/2021 not approve by XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: NC

Complaint narrative:
On XX/XX/2021 First credit services added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt anyone can send a bill and say its mines. According to FCRA First credit services has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: GA

Complaint narrative:
XXXX is refusing to put a freeze on my credit report! And XXXX is missing my credit report by put malicious malice vicious slander and intimidation! I asked for a freeze I was denied and XXXX continue putting untrue information on my credit report concerning COMMUNITY LOANS SERVICING THIS COMPANY IS NOT MY MORTGAGE HOLDER! Please remove the fraudulent slander from my credit report immediately! Cease and desist reporting fraud! And again REMOVE CHAPTER XXXX bankruptcy! I DID NOT FILE DISMISSED BECAUSE THERE WAS NO MEETING OF THE CREDITORS! I was granted FREEDOM IN THE NAME OF XXXX XXXX IN THE NAME OF XXXX XXXX YOU ARE COMMITTING A CRIME CALLED FRAUD! Cease and desist fraudulent report immediately! 
XXXX XXXX TRANSUNION ARE REPORTING USDA 2 times ISDA IS NOT A MORTGAGE LOAN CEASE AND DESIST FRAUDULENT REPORT! This LOAN IS FRAUDULENT PLEASE CEASE DESIST FRAUDULENT REPORT! USDA AGREED TO REMOVE THIS FROM MY CREDIT REPORT! STOP REPORTING USDA 2 times this is fraud USDA LOAN IS NOT LABELED A MORTGAGE LOAN YOU ARE VIOLATING MY RIGHT OF RATES REPORTING FRAUDULENT! 
I am forgiven of all debt in the name OF XXXX XXXX IN THE MIGHTY NSME OF XXXX XXXX DTOP THIS SLANDER AND ABUSE AND INTIMIDATION IS A CRIME! STOP!

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 2021-10-28 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: GA

Complaint narrative:
XXXX is refusing to put a freeze on my credit report! And XXXX is missing my credit report by put malicious malice vicious slander and intimidation! I asked for a freeze I was denied and XXXX continue putting untrue information on my credit report concerning COMMUNITY LOANS SERVICING THIS COMPANY IS NOT MY MORTGAGE HOLDER! Please remove the fraudulent slander from my credit report immediately! Cease and desist reporting fraud! And again REMOVE CHAPTER XXXX bankruptcy! I DID NOT FILE DISMISSED BECAUSE THERE WAS NO MEETING OF THE CREDITORS! I was granted FREEDOM IN THE NAME OF XXXX XXXX IN THE NAME OF XXXX XXXX YOU ARE COMMITTING A CRIME CALLED FRAUD! Cease and desist fraudulent report immediately! 
XXXX EXPERIAN XXXX ARE REPORTING USDA 2 times ISDA IS NOT A MORTGAGE LOAN CEASE AND DESIST FRAUDULENT REPORT! This LOAN IS FRAUDULENT PLEASE CEASE DESIST FRAUDULENT REPORT! USDA AGREED TO REMOVE THIS FROM MY CREDIT REPORT! STOP REPORTING USDA 2 times this is fraud USDA LOAN IS NOT LABELED A MORTGAGE LOAN YOU ARE VIOLATING MY RIGHT OF RATES REPORTING FRAUDULENT! 
I am forgiven of all debt in the name OF XXXX XXXX IN THE MIGHTY NSME OF XXXX XXXX DTOP THIS SLANDER AND ABUSE AND INTIMIDATION IS A CRIME! STOP!

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 2021-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been trying to get TRANSUNION to fix an error on their end for 4 months. I have spent 6+ hours on the phone, spoken to over a dozen CSRs, MAILED in a fraud complaint from the FTC in XXXX and tried XXXX . I can not get them to remove an errant hard inquiry. I am at my wits ' end. They should be accountable to someone...

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 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
I pulled my credit report and was alerted that there was a new collection item on there. From Phoenix Financial services. I was never sent a letter to validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Sent Id and pruf of resistance Ssn in order for them to fix it Nothing happens

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XX/XX/2020 The XXXX XXXX sent me an email, notifying me that they had canceled the account, that we do not owe them anything, and that we do not have to pay anything, that we keep the devices because I have spent a year, and the letter was sent to me by the department of sale compliance partner, by the representative of this department, Mrs. XXXX XXXX. The debt was XXXX, because I previously made a complaint to this XXXX XXXX, for bad facilities and excessive charging for poorly installed service, now it turns out that the XXXX XXXX  is charging me {$1100.00} for XXXX payments, Threatening to take me to Colection and wanting to damage my credit, they spoke with the bank and the bank was very rude and aggressive in answering me that I had to pay that debt or it would damage my credit and the bank was notified that I had a carte de XXXX Notifying me that I do not owe anything and that I should not pay anyone, I have the letter in my possession I can send it to you whenever you like, the Citizens Bank, was very rude and humiliating in collecting a debt that I do not owe, the bank loves me cheat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I XXXX XXXX the federally protected consumer is sending you the last dispute about these false and alleged accounts. XXXX has remove all the account from my consumer report and you should follow suite . I will be attached that consumer report with all the amount remove and deleted. I would like for you do to do the same required by FCRA 15. U.S. Code 1681a accurate and fairness.

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 2021-10-28 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: AR

Complaint narrative:
Transunion reported 16 different accounts and one inquiry on my consumer report without my consent and have shared my consumer report with different corporations without my consent, which is identity theft.

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