vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OR

Complaint narrative:
Square 's Cash App has an option to provide a XXXXebit Card. I had ordered one, but never really used it. Since ordering, I had moved. I got a notification that they were going to re-issue a new card, but did nothing to verify that the address was still the correct one that they would send the card - other Financial Institutions do this as a security measure to make sure that a payment card is delivered to the actual owner. 

Since I never used the card, I contacted customer service to address my worry of the card being delivered to a wrong address and asked that they simply close the card and they were unable to do so. Customer Service should be able to close a card on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CT

Complaint narrative:
I submitted my employment certification for public service loan forgiveness on XX/XX/2021 and it has not been processed yet. I have tried calling several times over the past XXXX weeks and I wait on hold, the phone rings, and it hangs up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive recently checked my credit report and I see on my report that looks as though someone got a hold of my social or information and applied for things in my name that I did not authorize can you all please take care of this issue due to the law. I have excellent credit and worked very hard from my report to get where it is to have someone come mess it all up can we get this cleared soon as possible!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NC

Complaint narrative:
My identity was stolen and compromised. I have not been checking my credit report in a long time but was apalled to see how many fraudulent accounts I had opened in my name. I called each of the consumer reporting agencies and consulted with my legal team and was told to file an FTC identity theft report which is attached below. 

I also have multiple addresses and employers on my report that I have never been associated with. This information is very damaging to me so please remove all of the following negative information attached down below.

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 2021-10-07 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: I.C. System, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft my personal information was used without my permission to open a fraudulent account and XXXX credit inquiries. I have filed a police report with the XXXX Texas police department, contacted the furnishers of this data and submitted a federal trade commission Identity theft affadavit in attempt to get this inaccurate information deleted from my XXXX credit report! I demand that action be taken immediately to move forward with deletion of fraudulent data from my credit report! 

Fraudulent account Ic system opened XX/XX/2021 XXXX : {$1100.00} account number : XXXX fraudulent inquiries XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXe XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021

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 2021-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I paid my bill in XXXX payment of {$600.00} on XX/XX/2021, and {$150.00} on XX/XX/2021 and XX/XX/2021 {$300.00} and XXXX XXXX payment of {$220.00} and a final payment of {$46.00} on XXXX XXXX and in XXXX they charged me a finance charge on a XXXX balance and then told me that it was a legitimate charge and that I had to pay it, I didn't pay it so they charged me another fee of {$4.00}. So I paid it on the XXXX due date to close the account, well they proceeded to charge me another late fee of {$2.00} and when I told I paid the account on time, they told me that I would have to pay this charge because I have to pay XXXX bills on time consecutively. I have read their fine print of charges on the back of my statement and there is nothing that states that I have to pay XXXX payments consecutively or that they will charge me more interest fees. I have spoke with them and they said they would remove the charge and I have checked the account and they have not removed the charge. This card has been closed since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
on XX/XX/21 I spoke to " XXXX '' I informed her the item I paid {$550.00} was a counterfeit and had no serial number. She instructed me before she could proceed I needed to return the item. I explained to her the seller has started harassing me and I had blocked him, furthermore I have no obligation to come out of my pocket to return an item to this person in hopes of them simply launching a dispute, and that I wouldn't pay out of my own pocket to return a counterfeit item to someone who had already committed a $ XXXX amount of fraud by selling it to me without disclosing it didn't have serial numbers. She refused to listen .... normally I would call back for something more reasonable but this was the third time calling, the first time I got hung up on and the second I waited XXXX to talk to someone after they just seemingly left the phone. This financial institution is failing in their fiduciary duty and they need to move forward with this dispute with the ample info I have given and the full conversation me and the seller had I offered to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: M2 Law Group PC
State: ID

Complaint narrative:
I actually never received anything from this company regarding a debt owed. However, several weeks ago, I received a letter from M2 Law Group PC about this debt owed and they supplied paperwork. Maybe my complaint with with the payday loan place but I also have a complaint with M2 Law Group PC. http : XXXX I believe under the FDCPA, you are not to imply you are a lawyer. However, this is a law group attempting to collect the debt. Their letterhead reads : M2 Law Group PC, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, ID XXXX. At the bottom of the letter text reads, " ... and any information obtained will be used for that and other purposes allowed by law. '' Well, I have called and left messages twice with the law firm AND I submitted my information through their website 's Contact form. I have yet to receive a response. I have recorded my attempts. I just do not want to get blindsided with a lawsuit as I have attempted to contact them and make arrangements. Now I'm worried this company is not legitimate and not working for the XXXX XXXX company but XXXX have purchased the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bepensa Capital, Inc.
State: IN

Complaint narrative:
this is my 3rd time requesting investigation and will be filing litigation against this company for trying to collect on a debt after I sent a cease and desist letter demanding verification on this debt. They still have NOT fulfilled their obligation By FEDERal LAW 15 U.S.C.1692g. A Simple Contract is NOT VALIDATION they were supposed to send me They have also damaged my consumer report by reporting false information After I sent them a cease and desist to stop communicating with me through ANY medium. My Consumer Report is in FACT a Medium that they did not stop communicating with, which now makes XXXX XXXX XXXX is in Violation of the Fair Debt Collection Practices ACT as well as TRUTH IN LENDING ACT for not providing me a clear and conspicuously disclosure of my right to rescind the transaction. I Have Been Stuck paying on an alleged debt since XX/XX/2018 and I am tired of the abusive practices they have been taking to collect on an alleged, invalidated debt They also have me believe that I had to put cash down on a finance charge which is false and violation of 1XXXX XXXX XXXX of the Truth In Lending ACT see attached labeled exhibit C for proof. 

There was never supposed to be any cash involved in a finance charge because it is ALL Credit. so i the consumer extended credit to their business for them to extend it back to me. That was the even exchange was the credit. they were false and misleading me from the beginning. 
That is considered Money Laundering and Defrauding the United States and is a punishable crime I WILL BE FILING A COMPLAINT XXXX XXXX, XXXX, AND THE ATTORNEY GENERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
I became past due on XX/XX/XXXX due to loss of job and income. Immediately upon learning and going thru this hardship I reached out to Mr Cooper for mortgage assistance and applied for modification on numerous times only to be denied over and over for numerous and false reasons for denial. Most recently I applied for mortgage assistance on XX/XX/XXXX and immediately on XX/XX/XXXX I was declined for modification assistance. Per the the lender they mentioned the reason for modification denial was my mortgage payment would increase and they could not achieve an affordable payments based of there guidelines. I feel this is information is negligence of Mr. Cooper and its investors for not assisting me. I feel Mr Cooper did not properly review my account in the one week they had it. When I submitted my financial I showed an available disposable income of {$380.00} which is sufficient to afford my payment in the event my payment was to go up. I have calculated an estimated modification terms, I owe for XXXX of {$140000.00} and I'm past due for {$100000.00} which is a total of {$250000.00} if Mr Cooper extends my terms to 480 months and reduces my rate to a current market Conv rate of 3 % my P & I payment would be {$890.00} which is lower than my current P & I payment of {$990.00} which stands as a predatory rate of 7.720 % - Mr Cooper stated they participate in the Flex Modification which when I looked online and after speaking to a Mr Cooper representative the program allows for 480 Term extension, Reduction of interest rate and unto 20 % balance deferment but Mr Cooper refuses to help. In addition, while under review the Mr Cooper and performed dual tracking while reviewing me for loss mitigation has had a sale date on my home I believe this is dual tracking of foreclosure. I have also asked Mr Cooper for the XXXX results showing proof on their calculation how they came up with this denial but they refuse. Mr cooper has failed to help me with any covid-19 programs eighter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
There are 4 student loan collections on my credit report still being reported by Equifax that should have been removed through a student loan rehab program. The collection account are reporting in error, and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX -XXXX  XXXX XXXX XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX -XXXX  XXXX XXXX XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harpeth Financial Services, LLC
State: ID

Complaint narrative:
I actually never received anything from this company regarding a debt owed. However, several weeks ago, I received a letter from XXXX XXXX XXXX XXXX about this debt owed and they supplied paperwork. Maybe my complaint with with the payday loan place but I also have a complaint with XXXX XXXX XXXX XXXX. http : XXXX I believe under the FDCPA, you are not to imply you are a lawyer. However, this is a law group attempting to collect the debt. Their letterhead reads : XXXX XXXX XXXX XXXX, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, ID XXXX. At the bottom of the letter text reads, " ... and any information obtained will be used for that and other purposes allowed by law. '' Well, I have called and left messages twice with the law firm AND I submitted my information through their website 's Contact form. I have yet to receive a response. I have recorded my attempts. I just do not want to get blindsided with a lawsuit as I have attempted to contact them and make arrangements. Now I'm worried this company is not legitimate and not working for the Payday Loan company but may have purchased the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NV

Complaint narrative:
XX/XX/2021 - Recieved a debit, credit card in mail from Chime, plus multiple emails welcoming me to my new account. I have repeatedly called and can not get through, have been hung up on, tried over 15 times to call to report fraud. Finally got ahold of someone and then Received email that the only way to close account is to send my drivers license photo- front and back. I am a victim of fraud and will not send more personally identifiable information, especially not through email. Reported to Sheriff and they advised the same. Filing a police report. So far, no one at Chime is bothering to help with fraudulent account. Very, very upsetting. The phone number on their website is XXXX but it is impossible to get ahold of some there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NC

Complaint narrative:
My identity was stolen and compromised. I have not been checking my credit report in a long time but was apalled to see how many fraudulent accounts I had opened in my name. I called each of the consumer reporting agencies and consulted with my legal team and was told to file an FTC identity theft report which is attached below. 

I also have multiple addresses and employers on my report that I have never been associated with. This information is very damaging to me so please remove all of the following negative information attached down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I've tried to contact barclays ( XX/XX/21 ) about about transaction on XX/XX/21 in the amount of {$69.00} from a merchant of XXXX [ XXXX XXXX ] and the agent didn't want to help, she actually hung up on me. 
I'm trying to dispute this charge because XXXX forgot or didn't want to fulfill the order and I've waited for a long time for them to even process the order, but some how these merchants always take your funds away instantly with no problem. So I contacted the merchant first and told the to cancel and refund the order within 1-2 days, which they didn't, then they ignored my request so I contact barclays after the 2 days I've given XXXX  to resolve on their own. 
So barclays is not helping either, I would like a prompt refund for the order that was never shipped.

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