vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: LEXISNEXIS
State: FL

Complaint narrative:
The credit agency is reporting a bankruptcy on our credit report based on information from Lexis Nexus, a provider we consider fraudulent. Lexis Nexus has not demonstrated the ability to verify the accuracy of the data they supply. Additionally, the bankruptcy court, as the sole direct provider of this information, does not confirm its accuracy, as confirmed in the attached letter from the clerk of courts.

The court is the only entity in a position to attest to the accuracy of the information, thus undermining Lexis Nexus 's ability to accurately confirm it. Given the agency 's reliance on Lexis Nexus, which is unable to independently verify the accuracy of the information, we demand the immediate removal of this item from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear TransUnion, I am writing to notify you that your unlawful defamation of my character and reputation has caused significant harm to my personal and professional life. The false statements and implications you have made about me are not only damaging but also completely unfounded. 

Under the laws of Connecticut, it is unlawful to engage in defamation of another 's character and reputation. Defamation includes " any intentional false communication, either written or spoken, that harms a person 's reputation ; decreases the respect, regard, or confidence in which a person is held ; or induces disparaging, hostile, or disagreeable opinions or feelings against a person. '' Your statements and implications about me, specifically the inaccurate reporting on my credit report, are categorically false, and they represent a malicious attempt to harm my reputation. 

I demand that you immediately cease and desist your unlawful defamation of my character and reputation. I also demand that you remove any defamatory statements about me from any websites, social media platforms, or other forums under your control, and that you refrain from making any further false statements or implications about me. 

If you fail to comply with this cease and desist order, I will be forced to take further legal action against you. This may include seeking monetary damages for the harm you have caused to my reputation. 

This letter is not intended to be a complete or exhaustive statement of my rights, legal or otherwise, in connection with the above matter. I expressly reserve all rights and remedies available to me under the law. 

I look forward to your immediate attention to this serious matter. 

Sincerely, 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 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
on XX/XX/2023 i made a purchase at XXXX XXXX in XXXX XXXX, New Jersey and used {$160.00}. on my cash app card as well as cash in my pocket to pay for the purchase. Prior to making the purchase I realized that i did not have enough cash to pay for the entire invoice. at that point I had my father cash app me {$90.00}. When I paid, initially the money from my father had not been added to my cash app card and the paymnet declined, i forget the exact amount i attempted to charge on my cash app card at that time. I contacted my father and found that he did not complete the cash app transaction. When the credit was added to my cash app balance, i went in and paid for the purchase, using cash and {$160.00} on my cash app card, this amount was different from the original amount that declined. I dont remember the original charge amount, i was unable to access it on my cash app card and cash app online chat over the past few hours was also unable to provide me with the declined charge amount. ( and im sure they could see it on their end ). When they ran the cash app cash card for {$160.00} the amount was deducted from my balance and i never had any reason to look at the charge again. Cash app claims that a portion of that charge was later credited back to my account and I used it. They also stated that XXXX XXXX reran a portion of that amount at a later date and it caused my account to mysteriously be overdrawn last night for XXXX XXXX. As i recall i had {$1.00}XXXX XXXX XXXX  and possibly some change in my cash app balance last evening XX/XX/2023. I had my father transfer {$40.00}. XXXXXXXX XXXX  to my cash app card around XXXX XXXX XXXXXX/XX/2023 and when i went to used my card for {$25.00} it was declined. that is when i looked at my cash app on my phone and it showed me an overdrawn balance of XXXX XXXX When i contacted cash app by chat, they claimed this off the wall story about the XXXX XXXX transaction. However, i did not notice any problem with my cash app balance at all until the prolem last night occurred. I requested that chat with a manager and the chat session representative would not connect me last night. I attempted to contact a cash app supervisor this morning and they would not connect me with a supervisor. at some point in my account, cash app charged me {$160.00} again for the XXXX XXXX charge. the only transaction i have from mr.driveshaft is dated XX/XX/2023. 
Not only did they charge me twice, they were unwilling to have a supervisor even discuss the issue with me. In dealing with cash app over the years i find them to be a very irresponsible organization. I also find them very willing to support those who scam on the internet and unwilling to be unhelpful in resolving account issues that may occur from time to time Cash app owes me {$160.00} Please advise, me as to the status of this issue. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC.
State: SC

Complaint narrative:
Interest rates accrued, all wrong with high balance on checking, I had a checking accrued account, also high balance on Money Market and CD ... opened in XXXX and closed in XXXX Ignored .. defamated discriminated retaliated ilegally persecuted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On receipt of e-statement for this credit card ( XX/XX/XXXX  ), saw an interest charge for {$38.00}. Had paid the card online with online payment process. All three payments were posted by due date. The online system showed no outstanding payment due when payment 3 of 3 was sent but it was incorrect. There was a {$30.00} outstanding balance. The online system did not reflect an outstanding balance. The new e-statement arrived to indicate {$30.00} was left unpaid and {$38.00} interest was applied. On XX/XX/, I called Synchrony to request information on the charge. After three separate calls and one online chat which advised me to pay the {$30.00} and give the confirmation number so the interest would be removed, the interest was not removed. Why was {$38.00} interest applied to an outstanding balance of {$30.00}? Why is resolution in this matter so impersonal and unforgiving?

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 monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I applied for an apartment home, but got denied. When the representative called me she said if I can get it removed from my credit I could get the apartment. First of all I didnt know that charge was on my credit report until the housing company did a credit check. To date I have disputed this charge five ( 5 ) times and every time I disputed this charge each credit bureau agent that assisted me did agree it was a strange document and was not sufficient to support this remaining on my report, but each time I got denied for removal of this file. The last agent I spoke with a couple of weeks ago gave me your information and told me to contact your agency. 
I believe this file is an unfair and very inaccurate file on my report. I need help, Ive done everything, for 5 months Ive been at this, if you can help me, I need it. This is keeping me from getting a home a place to live. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: TN

Complaint narrative:
MOHELA was my loan service provider while I attended school at XXXX, XXXX XXXX XXXX XXXX. I received a {$5500.00} loan to help pay for school, and I paid off this loan in full before it started receiving interest on XX/XX/21. I have a screenshot of the payment confirmation from this exact date as clear evidence. MOHELA is now trying to charge me a student loan payment as if the loan had not been paid off. I need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am not sure why credit card companies have started a trend or reporting incorrect information on consumers credit report but Discover Card experienced a data breach and that the information reported is incorrect but they still continue to report 1 late payment on the 3 credit agencies XXXX, XXXX and XXXX this is a violation of my rights as a consumer. Please fix errors in my credit report and report me. I should not have 1 late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Re : Citibank I am adding supplement material about a complain I made yesterday, XX/XX/2023 Complaint : # XXXX I am attaching two on-line banking images of check # XXXX for {$10000.00}. that was deposited & cashed under the WRONG check number : XXXX. The two images of the cashed check is from my online banking, taken this morning XX/XX/2023. These screen shots display the cashed check and incorrect check number. 

For a bank to be so inattentive to an error like this, an error that could cost us the property that we are trying to buy is inexcusable. To not rectify this blatant error in a time of identity theft is beyond belief. To walk into a Citibank and to be sent to a corner to call a string of 800 phone numbers is beyond insulting. This is how Citibanks treat middle-class customers. I'll bet you a nickel that this problem would have been taken seriously for the billionaire class customer.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I made a payment of {$1000.00} on XX/XX/, to my XXXX Comentity Bank Credit Card. Comentiity initially stated they did not receive the payment ; therefore, I provided an electronic transmittal form from my Bank, XX/XX/XXXX, showing the payment was made on XX/XX/. Comentity Bank sent an email to customers on XX/XX/ stating their systems was down between XX/XX/XXXX to XX/XX/ and all payments that fell between these dates would not be liable for late fees. After approximately 12 communication attempts ( One attempt involved a 2 page letter along with 10 pages of documentation sent via hardcopy & registered mail to Comentity Bank ) between myself and my bank, the dispute has ended with the Comentity Bank stating they returned the payment to XX/XX/XXXX on XX/XX/XX/XX/2022 XXXXXX/XX/XXXX did not receive the payment and contacted Comenity to investigate the matter. XXXXXX/XX/XXXXs final determination stated Comentity bank reimbursed me for the amount. On XXXXXX/XX/2023 I contacted Comentity Bank and spoke to XXXX, the supervisor. I asked for the electronic transmittal documentation showing the payment was reimbursed to me and XXXX stated he would open a complaint regarding the matter and communicate with me via email or phone call. As of XXXX, no communication has been received and I still have not received a {$1000.00} reimbursement. I contacted the Comenity Customer Service team on XX/XX/and was directed to their website to submit an email regarding the matter. I provided yet, another email regarding the matter. It has been 478 days since I made this payment, and I have not received any documentation with a resolution from Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
I was double tapped at XXXX by Sprink oaks capitaXXXX. Its happened before I spoke to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Blacklist, defamated, forgery restricted discriminated ilegally retaliated I was seriously assaulted... cast for 3 months... back then... 
XX/XX/XXXX for Citibank from XX/XX/XXXX thru XXXX employment investigation was to my favor but they XX/XX/XXXX... providing wrong personal information and credit info.outhere... 

MyXX/XX/XXXXpension was not given to me... asked for docs .... settlements for others... never got an increase, salary from XXXX to XXXX ... .. mocked Checking, pension, XXXX claim .... request, thats what I am asking from this agency to look into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a dispute with XXXX credit report dispute. they had XXXX account updated to a further date. Now with your help they deleted the account. 
I had the same problem with Equifax and XXXX credit reports. 
i have attached the following dispute and i still have not fix the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: FL

Complaint narrative:
XXXX XXXX is furnishing on my credit report and I have no idea who this company is. I do not have a contract with them as I have asked them to provide me with a contract with my sign signature proving with this company that I have done business with them. They have failed to send me a copy of that, I believe this has to be some sort of form of identity theft because I am unaware of the amount, the account number, and this in the company, how did this company obtain my personal information? Also, this company isnt even licensed in the state of Florida to collect the debt. Why is this allowed on my credit report as I have disputed this numerous times? 
According to 15 USC 1681eb maximum accuracy on the consumer report. also, there are multiple inaccuracies reporting on this account and account doesnt report collection every single month illegally updating the amount collections arent to report past due balances. This company is re-aging illegally the debt. Nothing about any of this is accurate it needs to be delete it.

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 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Commencing on or about XX/XX/XX/XX/XXXX I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX. Under the instructions of XXXX XXXX XXXX, funds were transferred from my bank account via debit card to XXXX and then to the scam platform in the amount of XXXX USD. Via XXXX, I was told to invest {$500.00} or more and was guaranteed a profit in return. I started with {$1000.00} USD. Later I was told to put in more to upgrade. {$6000.00} total. Then I was told I had to pay 10 % of the profits in advance to get what I had coming. When I couldn't come up with {$10000.00} more my " manager - XXXX XXXX '' said she would put in XXXX if I did. I did my part, she put in XXXX then said she wasn't allowed to do the whole XXXX, and if I wanted to see any $ I had to pay the additional $ XXXX. The entire time she was luring me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XXXX XXXX XXXX  I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis XXXX Report ( XXXX ) to XXXX regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB XXXX XXXX XXXX XXXX incorrect Address Records that LexisNexis is XXXX on my LexisNexis Accurint Report. On XX/XX/, LexisNexis responded to XXXX XXXXmplaint # XXXX with an attached letter titled XXXX XXXX ( XXXX KB ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his Accurint report can not be removed from his report. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a dispute with XXXX credit report dispute. they had XXXX account updated to a further date. Now with your help they deleted the account. 
I had the same problem with XXXX and Transunion credit reports. 
i have attached the following dispute and i still have not fix the problem.

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 2023-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I had a car loan with US Auto Sales since XXXX but in XXXX my loan was transferred to a debt collection company known as Westlake Portfolio Management. I thought I had defaulted on my payments, but it was just because the company went out of business. The debt collection company told me that I still owe the full balance on my car, even after making a year worth of payments already. They told me that they do not have access to nor will they honor the gap contract from my previous car loan servicer US Auto Sales.

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 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One reported that it experienced a data breach and that the information reported is incorrect but they still continue to report 4 late payments on the 3 credit agencies XXXX, XXXX and XXXX this is a violation of my rights as a consumer. Please fix errors in my credit report and report me. I should not have 4 late payments.

Company response to consumer: Closed with explanation