vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
At dawn on Saturday I began to receive notifications of charges in my cash app account by XXXX reaching a total of approximately 800 usd when I realize it, I quickly cancel my card the next day I contact XXXX and they assure me that the payments They didn't make it because they don't have a record in their system, contact the cash app and they only return approximately 150 usd of the 800 collected and they still haven't given me the rest because they need to continue investigating, however I don't authorize those conros cash app says it was XXXX and XXXX tells me it was cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX and I have been dealing with a significant issue with Wells Fargo regarding late payments on a secured credit card which is supposed to be helping to boost/establishing my credit and in quite it is doing the opposite. Please see the attached documentation.

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 2022-03-03 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: PA

Complaint narrative:
I have had a CashApp account for several years which I am now being denied access by the company " Square ''. The problem current problem started when I had to purchase a new phone because of damage to my old phone. Upon attempting to sign in to my account I received an error message stating " Unable to sign in on this device. '' I made several attempts to contact the company but because everything is done in-app I was unable to get anywhere because I was unable to sign in my account. I finally made contact over one week later via email and explained the problem I was having accessing my account. There were several attempts to resolve the issue but none of them worked. I was prompted to continue to contact customer service via email if the problem persisted. I did so and each time there was someone different replying to my email although I replied to each person by name. I started getting generic responses to my issue and then I was told that I would not be granted access to my account, however, I was told that I should just create a new account. I inquired about my stored funds and how those funds could be transferred to my new account. To date, the only response I've received was that they couldn't grant me access to my old account and that I should create a new one. There was no response as to the status of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, I completed a Penfed loan application with a locked interest rate of 2.375 % and a lender credit of {$2600.00}. On XX/XX/XXXX, XXXX XXXX, my load officer from Penfed, requested that I submit additional military documents to the Penfed loan office. After calling Penfed XXXX number on XX/XX/XXXX, I was made aware Penfed canceled my appraisal status, and XXXX XXXX did not notify me of these changes after numerous requests of my loan status via phone calls and emails. Neither my real estate agent nor the seller 's real estate agent knew that Penfed withdrew my loan application on XX/XX/XXXX. 

I was only given twenty-four hours to obtain the documents and needed for Penfed to approve the loan for approval before Penfed rejected my application. I have XXXX days to produce these documents before Penfed cancels my application. On XX/XX/XXXX, during a conversation with XXXX XXXX, I was informed that XXXX XXXX, a Penfed employee, negligently withdrew my first loan application on XX/XX/XXXX. If I was notified sooner I could have used my financing contingency clause to not lose my earnest money and walk away or seek another financial institution without any damages. I feel that I was baited with a lower interest rate then wrongfully pushed in to a corner, having my choices eliminated due to the action of Penfed and its agents. The way the current deal is structured today with 2.625 % interest rate, paying an originations charge of {$740.00} and only getting {$1000.00} lenders credit. I will end up paying out thousands of dollars more over the life of the loan to the benefit of PenFed. 

Buying a home should be a joyful occasion, but Penfed 's lack of communication has turned this experience into a negative experience for me. I chose Pedfed base off of the original terms of the contract. I should be made whole by Pendfed honoring the original terms, including the 2.3 % interest rate and the {$2600.00} lender 's credit.

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 2022-03-03 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: NC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-03 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: NC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-03 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: NC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I was arrested and took to XXXX XXXX jail on XXXX XXXX XXXX ; I was released.upon arrival home my house has been broken into and someone stole my identy using all my information.i made a police report. I went to my bank us bank wich had 6000 dollars in checking and 6000 dollars in savings accounts that I had and I banked with us bank for 8 years and never had a overdraft or bad check bounce or a negative mark. So I went to withdrawal some money and my accounts had been over drafted wiped clean and shut down.i reported fraud with them and fought with them everyday.i did report them to the XXXX XXXX and they wrote me a check for 6000 dollars.at that time I had no knowledge that my XXXX  daughter XXXX XXXX changed all my information on line ordered new cards and put her name on my account which she did not have permission and neither did the bank. All this happened well I was locked up in XXXX XXXX jail.the bank never seen me or talked to me for my consent.now XXXX was withdrawing a 1000 dollars at a time and the bank dint even think fraud was going on... Like I said I was in great standing and my credit score was XXXX. So I found this paper from the bank stating dear XXXX XXXX and XXXX XXXX to change the legal title on your account. How in the XXXX does this happen? When the bank never asked me, seen me, or talked to me.

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 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
On XX/XX/2022 a collection account of {$1200.00} by I.C. Systems was placed on my XXXX credit report. I contacted I.C.sytems on XX/XX/2022 and XX/XX/2022 via telephone was told they would investigate this as fraud, at this time they would stop collections. I reached out to XXXX  voicing this was fraud/identity theft. And sent proof showing it was fraud. Also, advised this account was placed on my credit report 2 years ago and was deleted and reported as fraud with proof of the info being fraud. I also reached out to the collector and credit bureaus voicing my concern. Now it has been reported again on my credit report. This debt does not belong to me. I DO NOT HAVE ANY KNOWLEDGE OF 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 2022-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: MO

Complaint narrative:
I opened an account with Veteran 's United Home Loans around XXXX. I did not follow through with opening a loan that that time. About a month ago I contacted Veterans United to proceed with applying for a home loan. I was attempting to login into my account and kept receiving an error message stating " Incorrect Email Address or Password ''. I spoke with the technical support team and was informed that the email " XXXX '' was the email attached to my account. I informed them that this email was not mine and I had no relation to anyone named XXXX XXXX. The technical support team reset the email on my account. I then logged in with my email " XXXX '' and my password. I successfully logged in to my account. The account required verification of my last 4 of my social security number. I entered my last 4 of my SSN and received an error message stating that the last 4 of my SSN were incorrect. I again called the technical support team and was told my account had to be reset. They reset the account. This issue was re-occurring for weeks, until yesterday afternoon, XX/XX/XXXX. I successfully logged in to my account yesterday afternoon and went to upload my required documents to move forward with preapproval for a home loan. Upon opening the documents tab, I found XXXX XXXX 's documentation. Her driver 's license was in my account, her VA document with proof of disability rating and VA entitlements was uploaded with her address and last 4 of her SSN was in my account, and her LES- Military Earnings Statement, with her full name, DOB , last 4 of her SSN, and all of her military information was also in my account. This is a violation of the Gramm-Leach-Bliley Act, Health Insurance Portability and Accountability Act ( HIPAA ) and Health XXXXnformation Technology for Economic and Clinical Health Act ( HITECH ), he Family Educational Rights and Privacy Act ( FERPA ), The Privacy Act of XXXX, The Servicemembers Civil Relief Act ( SCRA ), and many other laws protecting personally identifiable information, military records, credit and financial information/ documentation, medical documentation, and disabilities. I am greatly concerned with the negligence Veterans United has shown in protecting the information and privacy of XXXX XXXX information, as well as my own.

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 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sold 3 French bulldogs to 3 different people and the bank kept my funds and now they wont give it 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 monetary relief
Consumer complaint received 2022-03-03 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: NV

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Fraudulent account Account Name : Sequium asset solutions  Account Number : Account was opened : XXXX XXXX Account Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Over the last 3 years SWC Group has made several unauthorized charges to our XXXX XXXX card small business card. The company name is XXXX  XXXX. We never supplied them with the card number nor did we authorize any of the charges. We even cancelled the card twice and they still somehow are finding the new card number and charging us new amounts. I contacted them on each occasion and they claim they don't have a record of the charge or aren't sure why we were charged but the charge clearly came from them and has been verified by XXXX XXXX. The charges are overturned by XXXX XXXX eventually because they are clearly fraudulent but require us to get a new credit card number and creates unnecessary work. At this point they are just committing fraud and hoping we don't notice to challenge the charge. This has been going on across years with the following charges - XX/XX/XXXX - XXXX, XX/XX/XXXX - {$6.00}, XX/XX/XXXX - {$110.00}, XX/XX/XXXX - {$64.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I realized inaccurate hard inquiries on my credit report from XXXX and they're saying the only way I can have them removed is if I file a complaint with the Creditors! I've called and sent emails and never received a response from either companies. 

!. Capital One Auto Finance Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX XXXX  ATTN : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I XXXX XXXX the consumer and natural person am seeking remedy from Consumer Adjustment Company Inc.. They are in violation of Federal Law they violated FDCPA Laws, On XX/XX/2022 at XXXXXXXX XXXX I received a text message from Consumer Adjustment Company Inc. which is a violation of the FDCPA. They did not have prior consent to contact I XXXX XXXX the consumer, natural person which violates 15 USC 1692c ( a ). It was an extremely inconvenient time when I received this text. That violates 15 USC 1692c ( a ) ( 1 ). The message in Exhibit A states " To access your account '' which seems like CACI committed Identity Theft by opening an account under my name WITHOUT my permission and that is a punishable crime. Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$6000.00}, I have intent to litigate this matter if my demands are not met. Please investigate this matter and help me from further harassment. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
No proof was provided showing that I authorized these inquiries on my report. If you are going to say they are verified then please provide PROOF and DESCRIPTION of the investigation used to determine that I approved these inquiries. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct me credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief