vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
ABOUT 2IN AND HALVES YEARS I HAVE BEEN GOING THRU IDENITY THIEF, I HAVE TAKEN THE PROPER STEPS TO SUBMIT THIS CLAIM, I AM CLAIMING MY FRAUD INSURANCE AND MY LOST WALLET PREVENTION, IN XXXX I DEPOSITED MY BUT I'M DEPOSIT TO CASH APP, THEN DEACTIVATED THE ACCOUNT, UNKNOWEST TO ME I FORGOT TO LOCK MY ACCOUNT, AND CASHAPP XXXX, CASHAPP XXXX AND CASHAPP HAS LET ALL THESE UNAUTHORIZED PEOPLE TAKE MONEY FROM MY ACCOUNT ALL THIS IS IN MY MESSAGES IN CASHAPP , WHEN I FIGURED OUT WHAT WAS GOING ON I ACTIVATEDY ACCOUNT IN XXXX THIS YEAR THEN I REQUESTED MONEY FROM MY XXXX ACCOUNT WERE SOMEBODY IN THE CASHAPP DEPARTMENT KEEPED EXPKRING MY MONEY, SO I COULDNT GET IT OF MY CASHAPP, WHEN XXXX  FOLLOW THE MONEY I WILL FIND WHO IN CASHAPP WAS COMMITING FRAUD, AND IDENITY THIEF, I HAVE RECENTLY LOCKEDY CASHAPP ACCOUNT SO NOBODY ELSE CAN TAKEONEY FFOM MY XXXX  ACCOUNT, XXXX ACCOUNT, I HAVE SPOKEN AND VIRTUAL CHARED WITH INDIVIDUALS WHO GUAREENTED THEY WOULD FIX THE PROBLEM SO I CAN GET MY MONEY FROM CASHAPP ALL OF XXXX FOR I HAVE NOT EVEN GOUCHED XXXX XXXX FROM MY XXXX  ACCOUNT, I WOULD LIKE ALL MY MONEY BACK PAID IN FULL FROM CASHAPP, COULD U SEND XXXX IN MAIL XXXX  BRING IT IN PERSON TILL MY IDENITY THIEF AND FRAUD CASES ARE COMPLETED THANK YOU XXXX XXXX MY NAME IS SPELLED TWO WAYS XXXX XXXX DATED : XX/XX/XXXX TIME : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX # XXXX, XXXXXXXX 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 XXXXXXXX and XXXX XXXX  XXXX # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX # XXXX, XXXXXXXX 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 and XXXX XXXX XXXXXXXX # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A deposit in the amount of {$1700.00} on XX/XX/XXXX. The first time I used this card was at the UNITED STATES POSTAL SERVICE for {$11.00} then my remaining balance was XXXX there's no transaction for that {$100.00} that was gone, all of the other withdraws state the balance after I withdraw the money. I just want to know where is my {$100.00} that's not accounted for

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 2022-05-26 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My name isXXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am having a very difficult time with Mr Cooper. I have tried to get a loan modification approved a couple of times and have been denied. I have never been approved for a loan modification in the past. I was default before COVID hit and was trying to get approved. Mr Cooper denied. Then when COVID hit California I lost my income. Mr Cooper placed me on a forbearance for 18 months. On XX/XX/22 I was declined again for a loan modification. Mr Cooper is stating because they can not lower the payment. Of course you can not lower the payment after an additional 18 months of COVID default. Modification does not mean lower the payment. It is a restructuring of debt to avoid a foreclosure. I am asking for a loan modification to save my home, and can afford a higher payment. I am back to work full time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: AUTOMOTIVE CREDIT CORPORATION
State: PA

Complaint narrative:
I previously submitted disputes ask you asking for investigations into automotive credit company account # XXXX, XXXX and XXXX. Reason being I hope three accounts with them but they have reported negative payments on falsely and secondly have not reported any sort of data or update on the accounts with any of the three bureaus since XXXX. Automotive credit has come back saying that there was an issue in their software and because of that they could not report to XXXX. Even if that was the case they havent updated or reported to ANY of the bureaus and so my credit rating has been tarnished because of it. and it has held me back from obtaining credit and growing my company. 

I request at this company be investigated and looked into the fraudulent practices that are harming me, probably thousands of others, and might be subject to a Civil dispute at this point. Im almost certain the reason they havent updated this or made the corrections is because it probably cost them money to report the corrections and updates to the credit bureaus. I have attached previous complaint, response and also the account history showing that payments are actually paid up through the month of XXXX so far

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 2022-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had Identity Theft in XX/XX/2022 and immediately froze my Credit, About a month ago I found a credit inquiry on my XXXX for Bank of America, I called BOA and they found suspicious activity for a credit card in my name, i was informed to go into the Bank to rectify problem. On my one day off I went into Bank and was informed to make an appointment, which i did, On day of appointment went in and spoke via phone to Fraud department who on information i disclosed found no activity with regards to my social security number and were very quick to dismiss me without furthur investigation, I was very unsatisfied as an inquiry for BOA was on my credit bureau report and feel that BOA was very dismissive and did not do enough to investigate this issue '

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 2022-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Date : XX/XX/2022 To Whom it may concern, Once again good evening Transunion, how are you doing today? You sent me information regarding my report XX/XX/2022 File number XXXX Verified as belonging to me and information has changed or been updated to reflect recent activity. 

I want it to be clear I never disputed the account didnt belong to me. I disputed the information reported. Delete the following accounts because you did NOT do a proper verification. It is past the 45 days time required. 

I demanding a Updating of the following accounts : US DEPT OF EDUCATION/XXXX - XXXX US DEPT OF EDUCATIONXXXX - XXXX US DEPT OF EDUCATION/XXXX - XXXX PLEASE MAIL UPDATED CREDIT REPORT TO MY ADDRESS SHOWING THE DELETIONS. 

Best Regards, 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 2022-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America without written notice begin charging my savings account a monthly maintenance fee of XXXX per month for being below the minimum threshold of {$500.00}. 
I have never paid this fee in the years prior to having this account when the balance many times dropped below {$500.00}. I received no notice of a change of account terms and a {$500.00} minimum balance amount was never a feature of this account. 

I as a consumer would like a refund for the XXXX months since XX/XX/2021 I was charged the fee totaling {$64.00} I have since closed the account in question with Bank of America.

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 2022-05-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX and Equifax have violated my consumer rights and Federal Law according to Fair Credit Reporting Act as follows 15 USC 1681i ( 5 ) ( A ), thus according to provisions 15 USC section 1681 ( a ) the items must be deleted immediately. I have sent two letter to both about this and no response. The letter went out XX/XX/XXXX, XXXX and XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF EDXXXX # XXXX and DEPT OF ED/XXXX  # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a XXXX 20 months ago and I received a care credit card to help me pay off the XXXX monthly. It was {$3300.00} originally, and I was told to pay the minimum payments each month to pay the balance off within 18 months. At some point, they changed my minimum payments from {$180.00} to {$100.00} which I continued to pay the minimum. I also moved apartments so my statements were sent to my old address. After 18 months, my account balance went back up to {$3100.00}. I called and they told me that since I did not call about the address change, then it's too bad and they can't do anything. They changed my minimum balance and now I am stuck with the original balance that continues to increase each month and I have no way of paying it off.

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 2022-05-26 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act. XXXX  XXXX  # XXXX. XXXX XXXX XXXX  # XXXX or # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 




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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-05-26 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 




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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
My name isXXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name isXXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXXXXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-05-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: IL

Complaint narrative:
Items that were not on the initial loan estimate were subsequently added to following closing cost details and settlement statements. The services and amounts charged kept changing and I was denied the opportunity to fill out my own loan application for an amount that would include repairs and upgrades. I was charged for items that should have been covered by the seller or lender and told the sellers credit was being applied to those fees, despite the addendum stating that credit was for repairs left unfinished by the sellers. The closing cost continued to changed and there are false charges to the Broker and a Pest company for septic/sewer/trash services. I was charged multiple times for the same taxes and recording services. I was never refunded or credited my earnest money deposit and my principal and interest payment change on the payment schedule despite having a fixed rate. When I questioned these things I was told by my mortgage officer that the VA required these changes or they wouldnt approve the loan. The closing package does not have all the documentation regarding fees paid, invoices for services, or even my credit reports. Im addition the deed states SINGLE WOMAN by my name. I brought these concerns to my agent, the title company, and my loan officer to no avail. I will upload all the documentation I have detailing my complaint.

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