vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per the credit report, information has not been updated since XX/XX/2022. The balance on the account has dramatically decreased to {$1600.00}. This is in reference to the following account : XXXX XXXX. Account number begins with XXXX. The business has failed to follow the proper credit reporting cadence with updating information on a monthly basis. The major credit reporting repositories are providing outdated information from 6 weeks ago.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
Identify theft XXXX XXXX used my address to route my mail and get personal information to open credit cards and finance a car

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 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
I, XXXX XXXX, am writing to express my concern about the actions of AMSHERCOLLECTIONSERVICES. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give AMSHERCOLLECTIONSERVICES permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that AMSHERCOLLECTIONSERVICES is engaging in extortion by reporting on my credit for this alleged debt.

I am requesting that AMSHERCOLLECTIONSERVICES remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.

Complaint narrative:
Over and over I have tried to get access to my account and I have had to make numerous where money here XXXX there disappears and it can't get granted, I've received cards I didn't order and not XXXX time have I got a positive resolution.. this needs investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: LA

Complaint narrative:
Throughout a span from roughly XX/XX/XXXX to XXXX or XX/XX/XXXX, there were a total of 49 ( when I first saw them, more since I realized they were being made ) transactions were being charged to my cash app account. I reached out to Cash App to figure out what was going on as I did not make the transactions, and all transactions were made from XXXX. Cash App was unable to give any assistance or clarification. I reached out to XXXX after Cash App was unable to help, and with the help of an XXXX representative, we realized that the charges originated from a prior Cash App card that had been reported lost or stolen ( when I called Cash App back and brought this up to them, a representative said he did see that the card the charges originated from was cancelled and a new card was issued in XXXX of XXXX ). I explained to the Cash App representative that, although I do have an XXXX  XXXX, it hasn't been used in over 10 years, and it was only used for an XXXX, before XXXX even came out with an XXXX. The Cash App representative explained they would escalate the cade to a higher department and I wouldn't be contacted VIA email by a manager. I have reached out to Cash App on numerous occasions, VIA email, phone, and chat support and explained the entirety of the situation, and repeatedly get told that the case will be escalated, but as months have now passed, I have still not heard from a manager and I am refused to speak to one when I request one on a call. XXXX representatives said they could assist, but not without the full card number that was charged. I have even reached out to Cash App, only for the full 16 digit card number, to let XXXX take care of the fraudulent charges since Cash App would not, and was told I would be emailed the card number, and never was. There are 50+ charges, majority of which were declined, however there are a handful that was approved for amounts spanning from {$4.00} to over {$20.00}. I will attach pictures to thr complaint showing that I have never ourchades anything with the XXXX account. I also have a screenshot of a transaction I attempted as I saw the last 4 digits of the cancelled card were still a stored payment method in my XXXX 's app, so I attempted to push a transaction to test if the approvals were only XXXX & I have a screenshot where the XXXX 's purchase on the cancelled card was declined, but I have screenshots of the declined and approved transactions from XXXX. I also have a screenshot of a dispute I attempted for one of the transactions, and the email with the resulting denial explaining that I authorized the purchase, which has never been the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: HI

Complaint narrative:
Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I am an XXXX XXXX XXXX who has been XXXX XXXX  for the past XXXX years. I also have alot of hard credit pulls on my report dating back to XX/XX/2022 that I didnt approve. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect names reported on my credit report, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX. Below are the accounts XXXX XXXXXXXX XXXX- {$1600.00}. 

XXXX XXXX XXXX {$1300.00}. 

XXXX XXXX {$1200.00}. 

XXXX XXXX {$69.00}. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: HI

Complaint narrative:
Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I am an XXXX XXXX XXXX who has been XXXX XXXX for the past XXXX years. I also have alot of hard credit pulls on my report dating back to XX/XX/2022 that I didnt approve. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect names reported on my credit report, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX. Below are the accounts XXXX XXXX XXXX- {$1600.00}. 

XXXX XXXX XXXX {$1300.00}. 

XXXX XXXX {$1200.00}. 

XXXX XXXX- {$69.00}. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00}

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 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear SPS, In your reply on XXXX XXXX you stated : Taxes In the inquiries, you questioned the disbursement of your property taxes. SPS disbursed taxes in the amount of {$2700.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since I checked with the county assessor that you had not paid the property tax on a timely basis, to avoid penalties, I went ahead and paid {$2700.00} on XXXX. According to the XXXX XXXX XXXX collector, SPS paid this tax again on XX/XX/XXXX! 
SPS was not truthful in their statement about payment on XXXX and their payment is being refunded to them as the second payment. 
How can I trust SPS if they continue to deceive me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WV

Complaint narrative:
XXXX cfpb case moneygram explanation conflicts with reply I received. Still no refundXXXX XXXXXXXX XXXX XX/XX/XXXX RE : XXXX MoneyGram has completed the review of your case which relates to a potential error or problem with your MoneyGram money transfer transaction XXXX. 

Your concerns : In your communication with MoneyGram dated XXXX XX/XX/XXXX, you indicated that the following occurred : - funds were not made available to the receiver on the disclosed date of availability. 

We apologize for any difficulties you may have experienced in using our service. While we strive to provide our customers with the highest degree of service, there are times when a problem may arise, and we regret that you may have been inconvenienced. 

If verified by MoneyGram, these circumstances may constitute a mistake as defined under the Remittance Transfer Rule as enacted by the Consumer Financial Protection Bureau and currently effective ( the Remittance Rule ) and would entitle you to certain remedies, as further described under the Remittance Rule.

Conclusion : After completing our investigation, we have determined that an error may have in fact occurred with your transaction. Our records show that the funds have been refunded to you on XXXX XX/XX/XXXX for total of {$150000.00}. This amount represents : - The amount you intended to transfer ( {$1500.00} ). 
- The transfer fee you paid with this transaction ( {$190.00} ). 


We appreciate your comments as this helps to improve processes and procedures related to our customer service. We hope we have addressed your concerns and sincerely apologize for any inconvenience. 

Sincerely, ______________________ XXXX XXXX Department P : XXXX Mailbox : XXXX Attention XXXX XXXX Department XXXX XXXX XXXX XXXX, Texas XXXX PRPA Pursuant to the Remittance Transfer Rule of Regulation XXXX, XXXX C.F.R. sec. XXXX ( d ), if you complained about a payment error and we determined that no error occurred, you have the right to request the documents on which we relied in making our determination. Should you request such documentation, you XXXX be required to verify your identity, such as providing a copy of a valid government ID and/or affidavit, prior to receiving the documentation. 

Best regards, XXXX XXXX XXXX XXXX XXXX Dodd-Frank Jurisdiction ______________________ MoneyGram International XXXX : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hi there, I noticed that I was charged an annual fee of {$99.00} on my credit card ending with XXXX on XX/XX/XXXX. I called Barclays on XX/XX/XXXX to either downgrade to a version without annual fee or cancel this card to get the annual fee refunded since I will not travel as much as I did in XXXX. As a result, I will barely use this card moving forward and won't be able to utilize the card 's benefits ( haven't used this card since XX/XX/XXXX ). However, the customer service representative informed me that the annual fee was posted on XX/XX/XXXX, which results in passing the 60-day window of getting the refund, so they could not process the refund. That was quite a surprise to me. 

I then looked closely at my account from Barclays ' website. I found that the page showing the transactions is very misleading ( see attached ). It shows the " Posted transactions '' at the top-left corner with the date of XX/XX/XXXX above it and the date of XX/XX/XXXX appears again below the " XXXX '' at the bottom. 

And the date of " XX/XX/XXXX '' is relatively unnoticeable since it's smaller and lighter compared with the capitalized words " ANNUAL FEE '' right above it. This layout, especially the date " XX/XX/XXXX '' below the " XXXX '' makes it very impelling to believe that the {$99.00} annual fee was charged on XX/XX/XXXX, which leads to the result that I missed the 60-day window of getting the refund. It is very unfair and inadequate. 

I have never encountered a similar issue with other banks or credit card companies since my first credit card in XXXX. In addition, I have been a responsible client that has never been late for any payments.

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 2023-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this complaint is on XXXX Experian and XXXX in regards to reporting inaccurate information AFTER they have Verified as Accurate account XXXX XXXX XXXX. 

XXXX results File number XXXX Date Issued XX/XX/XXXX Verified as Accurate Account Type OPEN ( this item should be closed because XXXX hasnt provided me with a response yet and the debt has not been proven under my name legally ) having my name and address is not validation. I want the signed documents proving I agree to pay them what I claim I owe ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} 7 Year fall off date XX/XX/XXXX. 

Experian results Report Number XXXX Date Generated XX/XX/XXXX Verified as Accurate and Updated -NO RESULTS were provided to me to view. I had to get a new report separately. If this item was Verified and Updated like experian has generated then I should be able to view a updated report reflecting the updates. 
I got a new report XX/XX/XXXX and these are differences. 
-Activity in the XXXX XXXX on XX/XX/XXXX proving that this account is still open when it should be closed and ceased from collection and rerooting. 
A payment history ( XXXX never extended me credit so we do not have a payment history ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} On Record Until XX/XX/XXXX. 

I got a new report from XXXX on XX/XX/XXXX and the following errors show- this account is CLOSED. 
- Date of 1st deliqneucny XX/XX/XXXX causing the 7 year reporting time to be set to XX/XX/XXXX. 
- a existing payment history with XXXX XXXX XXXX closed date ( but claim this account is closed ) -Past Due {$8400.00} ( I never had a contract with them so a past due does not exist. 

I have NO CONTRACT with this entity. This entity is reporting inaccurate different information but continue to verify information with the consumer reporting agencies. I have already filed a complaint on XXXX XXXX XXXX and awaiting for correspondence. XXXX XXXX XXXX is fully aware of the information being reported because I sent them notice of the errors and the fact that they are reporting a account and have not provided validation, there collection activities is FRAUD. I sent this letter on XX/XX/XXXX tracking number XXXX at there disputing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX and XXXX has recieved my letter on XX/XX/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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
When will CFPB actually start protecting consumers from these unethical credit reporting agencies? 

Experian recently decreased my credit rating by XXXX  points. Today Experian again decreased my credit rating. Why doesn't Experian have to inform me of the reason for these changes? 

1. I have NO late payments, NO judgements, No bankruptcies.

2. I have NO new credit inquires.

3. I have ONE mortgage which has always been paid on time.

4. I use ONE credit card which has always paid off in full each month.

5. I have one back-up credit card which also always has a XXXX  balance.

6. My " debt to income '' ratio has actually decreased as my mortgage balance has decreased and my income has increased.

There are NO visible changes to my credit report but Experian continues to decrease my credit rating.

How am I, or any consumer, supposed to maintain a good credit rating when Experian makes changes with no apparent reason nor does Experian provide any explanation.

As consumers, we have no choice - files are open with the three credit rating agencies and we have very little control over these files. They sometimes have incorrect information which we, the consumers, are expected to correct while the credit reporting agencies are never held accountable for their mistakes. They seem more interested in marketing new " features '', scaring the consumer into buying unnecessary services. Tell me what the difference is between Experian 's " Credit Lock '' and the " Freeze '' that I already have on my account! 

We need strong laws regulating the credit reporting agencies and a better CFPB that will actually do something other than merely submitting our complaints to these agencies.

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 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Pennymac.com My account was set for auto pay, draft on the 1 day of each month of principal and interest plus escrow, a fix amount of monthly payment. 

On XX/XX/XXXX, I made a payment which supposed to be due on XX/XX/XXXX. Pennymac.com account portal recognize the payment. The information generated from the Pennymac.com account portal shows my next payment due day is XX/XX/XXXX. 

However, on XX/XX/XXXX, Pennymac.com drafted a monthly payment that is not due ( due on XX/XX/XXXX ) and would not able to reverse it. I have called twice, XXXX and XXXX. They have given me 7 days and 2 days, and 1 hours to solve the problem, but nothing was done. The payment drafted by Pennymac on XX/XX/XXXX created over draft on my bank account. They were continue to overdraft when the first failed after 7 days. Their customer rep 's words that they put request to reverse the prepayment of XXXX don't seem have any effect. My bank account is {$1300.00} negative balance and any funds in goest to fill in the negative balance first. I could not conduct normal business such as paying a small amount to the vendors who rendered works for me and waiting to be paid. 

They are fully aware of the situation. However, nothing has been done. Their system designed to draft funds even it is not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Identify theft XXXX XXXX used my address to route my mail and get personal information to open credit cards and finance a car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Identify theft XXXX XXXX used my address to route my mail and get personal information to open credit cards and finance a car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: HI

Complaint narrative:
Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I am an active service member who has been deployed overseas for the past 3 years. I also have alot of hard credit pulls on my report dating back to XX/XX/2022 that I didnt approve. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect names reported on my credit report, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX. Below are the accounts XXXX XXXXXXXX XXXX {$1600.00}. 

XXXX XXXX XXXX {$1300.00}. 

XXXX XXXX {$1200.00}. 

XXXX XXXX- {$69.00}. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00}

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