vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: OK

Complaint narrative:
I don't have the exact dates. I am currently XXXX, Cash App who is in question, has locked two of my accounts randomly. I used cash app to jointly pay for things with my roommate, buy things from others and such. My first account locked randomly after I had contacted customer service on my XXXX and I was told to go to the advanced settings and select a " Erase app data on next launch '' option. I followed their instructions and then I was locked out of the account. This happened around XXXX or XXXX. 
I contacted support and made a new account and followed their instructions which included verifying my bank account info, the card on file, my name, zip code, and even sent pictures of my passport and let the app scan my face. Only to be told that the automated system would not let me access the account for security reasons. So I used the new account until I could get home and fix it where I could access my phone number but as of today XX/XX/year>, I was told do the same thing when a payment did not show up. I explained in the chat that I didn't want to because of what happened last time and I was assured it wouldn't. I was then locked out of my account and called support twice. The first time I was hung up on, the second time I was just told they would not do anything further to assist me. 

The first time they stated they would escalate it, but it was emails that resorted back to the beginning like there was no communication. The second time they told me they could escalate it but it wouldnt " change anything, Cash App is holding hundreds of dollars of my money and refuses to help even though I have provided all the correct info and even offered to get XXXX to get a notarized document for them. They have stolen my money and are refusing to give me access to it and seem to not care. 

The first account the email is XXXX The second account the email is XXXX The third account they made me make is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX I received an email that looked just like my house closing attorney, I was given an account to wire the money to for my down payment and closing cost of XXXX This was scam email that was some how intercepted during my communications with the attorney office, mortgage company and realtor. The fraudster gave me incorrect wiring instructions using the attorney logo and address quoting the amount needed and where to send. This was a fraud account and now I am out of my money and could not close on my home. I have filed an investigation with my bank, but still no answers. I need help in getting my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company the XXXX ( XXXX ) finance services and XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company the XXXX ( XXXX ) finance services and XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
They have called back to back for the last 9 days including the weekend. At least 3 times a day and at least 2 voice messages. I have asked them to stop harassing me and they just call right back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
In XX/XX/XXXX, I moved out of an apartment. Upon moving out I contacted XXXX to have the cable disconnected prior to my departure. It was also at that time I requested, received, and paid for my final bill. Two months later I received a collection letter from SUNRISE FAMILY OF COMPANIES for {$170.00} bill to XXXX. I disputed this with the 3 credit agencies and it was taken off. In or about XX/XX/XXXX, I recieved another collections from the same company with the same bill from XXXX. I put another dispute in. Each time this was reported my scores dropped about 20-30 points. XX/XX/XXXX and I just recieved yet another collection letter for the same {$170.00} from XXXX. This time the collection company was SOUTHWEST CREDIT Systems and my score dropped, no plummeted once again. This behavior seems illegal, and it as to the point of harassing. This day and age a difference of 20-30 points in your credit score can cost me tens of thousands of dollars in interest. I disputed these claims once again and was advised to make a complaint with you agency. Please help me put this to rest once and for all. I thank you in advance for any assistance you could provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
Hello, I am writing to bring to your attention an error on my credit report regarding a XXXX student loan from XXXX. This loan is not mine and appears to be a mistake. 

It first appeared on my credit report XX/XX/XXXX. 

I have attempted to contact the servicer, ECSI, but have not received any response to my emails or calls. The three credit bureaus have also been unresponsive to my requests for assistance in resolving this matter. 

While the amount in question is relatively small, it is still not mine, and I believe this is a case of fraud. I am requesting your assistance in resolving this issue and having the incorrect loan removed from my credit report. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.
State: NJ

Complaint narrative:
I received a Prepaid {$100.00} XXXX card as an award/incentive from my job on XX/XX/XXXX. The prepaid card is a XXXX card through Prepaid Digital Solutions. On XX/XX/XXXX, I redeemed the card and was sent a confirmation email from Prepaid Digital Solutions with details on how to access the card. I spent the full amount of the card prior to the card expiration date. Recently, on XX/XX/XXXX I was issued a refund of {$68.00} to the prepaid card for a past expense. I called Prepaid Digital Solutions on XX/XX/XXXX to have them either issue me a new card for the refunded amount or send a cheque ( as many other prepaid cards will after an account is closed and a refund is sent to the closed account ). The service representative repeatedly said any " unused funds left '' on an expired card are " forfeit ''. However, I pointed out these were not " unused funds '' left on a card but a refund returned to an already expired card. After specifying the difference, the service representative said they could not help me. I asked to speak to someone who could help me or a supervisor, and they said I would receive a call back 4-6 business hours later. They have not called back. Today, XX/XX/XXXX, I called back to review my issue and ask to speak to a supervisor and they said a supervisor could not help me either. 
If I had known they would steal the refund, I would have opted for a credit with the merchant rather than agree to a refund. Prepaid Digital Solutions is refusing to release my refund amount to me, even though these funds were not " unused prior to expiration '' as described in their terms. If Prepaid Digital Solutions won't release left funds after expiration of a card, they should not accept refunds to expired cards either. This is extremely unethical. The refund should not have been accepted and they are refusing to release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INQUIRY - XX/XX/XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX FL 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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I'm writing in reference to the letter I recently sent regarding an account I intended to dispute. Regrettably, I mistakenly included the wrong account details in the letter. It was an oversight on my part, and I kindly request that you disregard the dispute letter for that account. 

ACCOUNT DETAILS : Account Name : XXXX Account Details : XXXX Date Opened : XX/XX/2020 Balance : XXXX I will attached the recent letter that I sent so you can validate my request. Again it was an honest mistake, and I do apologize for the confusion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
I had a Mortgage Payment of {XXXX} a XXXX  with XXXX, lost my business during XXXX, stuck with tons of XXXX  debt and XXXX XXXX. XXXX agreed to XXXX XXXX, move all missed payments to backend of loan with ( XXXX XXXX ), dropped my payment from XXXX to XXXX a month. Then XXXX sold my loan to a Debt Collector XXXX, now Roundpoint wont honor XXXX-XXXX  Agreement. XXXX wants XXXX up front, up my payment to XXXX a month from XXXX and added XXXX to my loan. I cant even pay the bills I have now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Date : XX/XX/XXXX I have been trying to get my statement close date changed to better suit our financial needs. I have called twice in XX/XX/XXXX, again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After multiple attempts, they still have not resolved the statement close date request. Each time I have called there is a different policy recited to me. the corporate office has done this as well. They change the policy to suit their answer. They arbitrarily picked a close date without my permission, changed it to that date without contacting me, and did not use the date provided and requested. To date, I have not received one phone call back from all the dates listed above except once. It is still not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX received a text message on XX/XX/24 at XXXX hours from unknown number ( XXXX ). The text message stated Chase did you attempt to wire of {$2700.00}. Reply YES/NO/HELP, if No you will receive a call from our customer service number shortly. XXXX replied NO and then received a call from ( XXXX ), which is the customer service number on the back on her Chase card. XXXX was told that her Chase checking account has been compromised. She was told that in order to save the money that has been taken she would need to wire {$13000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to a subject named XXXX XXXX. The transaction was completed on XX/XX/24 at XXXX hours. XXXX was told that if she does not transfer the money now, she would not be refunded the money since Chase has reached out and made an attempt to get this money wired back to Chase using the account numbers they provided. XXXX was told that another {$10000.00} was again taken from her checking account and that she needs to wire it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to a subject named XXXX XXXX. The transaction was completed on XX/XX/24 at XXXX hours. The total amount of money that was wired was {$24000.00}. A police report has been filed with the local authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. 
I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary. 
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received a letter in the mail stating that the items that I disputed were verified as accurate As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Attempted to withdraw {$4000.00} from my apple wallet to my XXXX XXXX XXXX  account as I have done many times before. My balance is currently over {$8000.00}. When attempting to confirm the amount to withdraw my XXXX ( currently up to date with all updates installed and recently restarted ) encounters a bug that does not allow the withdrawal to go through. I have a screen recording available upon request. 

The ONLY way to withdraw funds is via the app. You can not call their customer service like a normal bank to have the funds withdrawn. This means that there is a single point of failure in withdrawing funds, and therefore they are holding my money hostage. I believe this should be illegal. Banks should not be able to hold your money due to software issues, and should be required to provide multiple avenues to remove funds. 

It's also very suspicious that this " bug '' is happening right around the time they lowered the interest rates earned on the account. I would like the government to investigate this, and change the rules around the ability for consumers to be able to have multiple methods to withdraw their funds.

Company response to consumer: Closed with explanation