vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 non-monetary relief
Consumer complaint received 2023-01-10 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: FL

Complaint narrative:
On XX/XX/2023, I used Cash App to send a friend {$25.00}. Unbeknownst to me, the person deactivated his Cash App account. I contacted Cash App after I could not cancel or ask for a refund. When I contacted Cash App, I was advised that " CASH APP is unable to cancel or refund the completed payments. I was told if I wanted to recover my funds, please have the recipient reach out to us via their app. '' The person reached out to CASH APP Customer Support via the app as instructed to do so. However, the funds are not showing in their balance and Cash App said he could send the funds to the sender ( me ) when the account is active. 

So, if the account is deactivated, how were the funds accepted and supposedly received?

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed {$4900.00} for the XXXX XXXX XXXX XXXX XXXX that was added to my credit report in error, this account was opened fraudently and does have my correct social security number. My identification was stolen and someone opened this account I disputed this account with all three credit bureaus and this account and was advised this was verified but it was not verified because my social security information is not correct on this account. XXXX has removed this account because it could not be verified but it is still showing opened on equifax and experian which violates the fair credit report act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I got scamed out of XXXX dollars by a fraud scheme by wire transfer.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, United States Department of Education account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

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: 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, United States Department of Education account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank account number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account number XXXX has violated my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NJ

Complaint narrative:
The company is not licensed to operate in the state of XXXX XXXX  however, has been sending me letters attempting to collect for years at this point. I have repeatedly informed the company that neither are they licensed to operate in the state of my residence nor do I owe this debt. They however, persist and I received another letter in the mail a few days ago.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

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: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have a dual-witnessed, notarized XXXX XXXX XXXX XXXX XXXX XXXX XXXX POA ) that appoints me as Agent ( attorney-in-fact ) for my aunt ( the Principal ). There are no restrictions on the powers granted by the POA. 
Wells Fargo reviewed and accepted the POA, and I am listed as POA on the account. However, they refuse to allow me to add a beneficiary ( other than myself ) on the account, saying that the XXXX XXXX form does not explicitly allow managing beneficiaries ( though a section called " XXXX, trust and other beneficiary transactions '' says, " To ... assert any interest in and exercise any power over any ... property subject to fiduciary control. '' Without beneficiary, in the event of my aunt 's passing, the funds in the account will be tied up in probate and unavailable to use for funeral and other necessary expenses. The funds will be locked and remain as Wells Fargo assets, until such time they are released by probate.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, a person claiming to be my bank, Chase Bank, contacted me regarding my debit card being used in a fraudulent transaction in New Mexico. This person knew my home address, my debit card number, and, throughout the call, knew Chase Bank procedures well enough to know when text verifications would be sent to my phone, when authorization requests would come through, etc. to the point I had little reason to doubt they weren't Chase. It wasn't until they asked about my PIN number right before hanging up that I suspected things weren't right. 
Immediately after hanging up, I checked my bank account and saw {$1400.00} of withdrawals had been conducted through an ATM located on XXXX XXXX in XXXX, TX, near where I live. I locked my card through my app, went to my local bank branch, informed them, and contacted Chase through the number on my debit card to inform them of the transactions. They cancelled the card and went through the process of issuing a new one which I received on XX/XX/XXXX. 
My problem is that according to a letter I received on XX/XX/XXXX, they will not be reversing the charges and all efforts I have made to contact Chase and get the case re-opened have not produced results. I went directly to the bank branch where the fraudulent charges took place and, other than photocopying the claim letter, did not receive support. I've contacted Chase on the phone several times, but they claim that since the transactions were made using my PIN, they consider the transactions to be valid in their system. 
I've made a police report to the city of XXXX, TX as part of this process as well. 
While I admit that I gave information I shouldn't have in the form of my PIN, as soon as I realized the mistake, I reported it and tried to take actions to prevent further loss. It seems that a reasonable assessment of the situation along with a simple check of security camera footage from the ATM coupled with the fact that I've reported the incident to multiple authorities should be enough to show that I don't approve of these charges on my account, despite the fact that my PIN was used.

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: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, at about XXXX PT, I was notified through XXXX that a hard pull had been made on my credit through Bank of America XXXX 

I am currently in contact with Bank of America, XXXX XXXX Police Department, and XXXX but have been advised to also submit a claim here.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I faxed an application for student loan forgiveness under XXXX on or around XX/XX/2022. 

I received a letter confirming the application had been received late spring or early summer of 2022. 

In XXXX or XX/XX/2022 I was notified that my account was being transferred to Mohela. 

I created an account and logged into the Mohela site. The website has an option to check the status of your XXXX application. Every time I checked, there was no report. The website said it could not track my application. 

I called twice, including in XXXX and XX/XX/2022. After extended hold periods I was assured by a customer service representative on each call that they could confirm in their system that my application had been received however due to the program being so popular and a backlog of applications the website was taking a long time to update. 

I called today, XX/XX/XXXX, but after an extended hold was told by the first line of customer service that they had no record of my application. " XXXX never transferred it over. '' I told them this was contrary to what I had been told by Mohela staff on the two previous calls.

I have now been on hold for two hours as I'm told I'm being transferred to " a specific supervisor. ''

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
On XX/XX/2022 I requested my Private Mortgage Insurance ( PMI ) be removed because I made significant home improvements which increased the value of my home. I submitted my request in writing on the LoanCare portal as directed by their customer service representative. On XX/XX/2022 I made the payment of {$150.00} to LoanCare for the Broker 's Price Opinion ( XXXX ) to be obtained. The XXXX was completed on XX/XX/2022 by XXXX XXXX XXXX XXXX. The results were favorable. Based on the XXXX evaluation my new market value was {$380000.00} which was 67 %. My Purchase price was {$280000.00} and my current loan balance is {$250000.00}. This was way about the 30 % threshold needed to remove the PMI. On XX/XX/2022, LoanCare sent me a letter with the XXXX report. I called LoanCare on XX/XX/2022 and spoke with a representative to discuss when my PMI will be removed. He stated that he saw the report and did not know why the PMI Department have not been the adjustment but will send a message and they should get back to me no later than XX/XX/2022. No one called so I called again on XX/XX/2022. The rep stated they mailed me out a letter stating I have not met the payment history requirements as the reason for my denial. According the the PMI disclosure I signed on XX/XX/2022 it state " For purpose of PMI cancellation, a good payment history '' means no payments 60 or more days past due within two years and no payments 30 or more days past due within one year of the later of ( a ) the cancellation date, or ( b ) the date the you submit a request for cancellation. '' I have made several attempts to resolve this issue but LoanCare keeps sending the same letter stating I do not meet the requirements. This is completely unfair and false. The XXXX report clearly stated the value of the home was {$380000.00} and I have a good payment history. LoanCare is in violation of the Homeowner Protection Act.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hi, my name is XXXX and I am a victim of Identity theft. There is inaccurate unknown fraudulant accounts and addresses on my credit report. I have reached out to these companies many times and XXXX was deleted and was added back on last week and i didnt receive any notice. It is the same exact account but they fraudulantly changed the dates. XXXX is has fraudulantly updated the last active date. These companies have violated my XXXX rights by notating on my credit report that these are medical accounts. These companies have mentally and physically affected my capability of finding a job due to these fraudulant unlawfal remarks.

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: LA

Complaint narrative:
Hi, my name is XXXX and I am a victim of Identity theft. There is inaccurate unknown fraudulant accounts and addresses on my credit report. I have reached out to these companies many times and XXXX was deleted and was added back on last week and i didnt receive any notice. It is the same exact account but they fraudulantly changed the dates. XXXX is has fraudulantly updated the last active date. These companies have violated my XXXX rights by notating on my credit report that these are medical accounts. These companies have mentally and physically affected my capability of finding a job due to these fraudulant unlawfal remarks.

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX Claim number : XXXX {$500.00} Made a Bank of America credit card payment with {$500.00} XXXX XXXX through the ATM machine. I got a letter that the money order has been returned. 
I checked with XXXX XXXX XXXX XXXX XXXX and they never declined the payment and Money order can not be bounced or returned. ( XXXX say Bank of America never tried to cash out ). 
XXXX Bank of America and they say i should contact the XXXX to solve the issue but this is Bank of America problem not fidelity. 
They might lost the Money order because they dont have any image which I got from ATM machine.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The original creditor as listed on my credit is XXXX XXXX XXXX XXXX XXXX MAIN APTS the account was open in XXXX but its listed on XXXX as it being open on XX/XX/XXXX I did a 1 year lease. I moved out to another state and they have placed it on my account showing I owe XXXX  which is inaccurate and I have tried contacting them on numerous occasions in order to see how is that possible. It's still showing the account is open and it last reported on XX/XX/XXXX. It's listed as National Credit Systems on my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Called after my work place was served with a garnishment asking for proof the agent told me on the phone that should could not come with how they got too XXXX dollars said it made no sense and when I asked for proof of service they served an old address and on a record line on XX/XX/10 XXXX a supervisor informed that the person who answered the door refused and the server left it at the door. I was never properly notified the law firm from refused to provide me any proof all the info they had on file old and outdated. When I called to discuss this they said they did an internal review and determined no wrong doing was done even tho the agent told me I was never served! How is this legal

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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