vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OK

Complaint narrative:
Ok here 's the deal I have been having a major issue these last few years with cashapp just straight up keeping my money. They have stolen about {$5000.00} from me I'm the last three years or so. I lost proof to many of what I'm saying but I have emails going back around two months or longer where someone sent me XXXX for some items I had for sale and cashapp won't deposit the money to my account.i have sent around {$200.00} dollars in there so called fees to receive the money but still they are constantly coming up with excuses and steadily trying to get more money for so called fees and such .I have asked them numerous times about the money and it's always immediate after I pay the fee that they will deposit it but I send the fee and still no money deposited to my cashapp as promised.like I mentioned early on I have lots of emails from them with are entire conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
The unauthorized transaction happened on XX/XX/2023 XXXX. The item was purchased on Apple online and pick up in the store ( XXXX XXXX Apple store ). As soon as I saw the notification, I reached out to the Goldman Sachs Apple support team. I told them it was an unauthorized charge. The charge was disputed and I had all my card numbers replaced. Few days later, the transaction still went through and someone picked up the item in the store by using my ID. My dispute got rebilled several times till now. Got a report from Goldman Sachs showing details that I made the purchase and picked up. Seems like the thief has all my personal information including my name, address, phone number, card number, and even my XXXX address. However, I was never there when the item was picked up. I do not own the item, and I do not know who has it. The person used guest checkout when making the purchase. The support team from Goldman Sachs refused to do further investigation. 

( XX/XX/2023 ) I made complaints on XXXX  and CFPB. I also went to my local authority to file a report. However, officer there said that I needed an affidavit letter from Goldman Sachs stating that this transaction was a fraud. I reached out to GS support and asked about the affidavit letter but the person said she couldn't help me with that. I didn't know who to reach out. I held on the report and waited to see if XXXX  or CFPB would push them to do more investigation. But no. 

( XX/XX/2023 ) One of the GS support team manager reached out to me earlier today said that he saw the complaint on XXXX  and told me that there's nothing else they can do unless I provide additional evidence or I can just file a report to my local authority. He couldn't even tell me what kind of additional evidence I can provide. I told him that I want to file a police report and the police officer so that they can know what actually happened that day in the store. The police officer told me that I need an affidavit letter from GS stating that this transaction was a fraud, so that they can start with the investigation. But the GS manager refused to provide the letter. 

I don't understand the logic here. GS wants me to file a police report and provide additional evidence, but they refuse to let the progress start. I even filled out FTC Identity Theft Affidavit report. I now have all the documents ready for filing the report, except for that affidavit letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX ACCT XXXX IS SHOWING INACCURATE BALANCE I CALLED AND VERIFIED THE CORRECT AMOUNT IS XXXX BUT IT SHOW INCORRECT BALANCE ON XXXX, EQUIFAX, XXXX AND XXXX. 

MULTIPLE INSTANCES OF INACCRACIES, OUTDATED AND ERRONIOUS INFORMATION DOCUMENTED WITH PREVIOUS COMPLAINTS THAT THEY REINSERTED AFTER REMOVAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX ACCT XXXX IS SHOWING INACCURATE BALANCE I CALLED AND VERIFIED THE CORRECT AMOUNT IS XXXX BUT IT SHOW INCORRECT BALANCE ON XXXX, XXXX, XXXX AND EXPERIAN. 

MULTIPLE INSTANCES OF INACCRACIES, OUTDATED AND ERRONIOUS INFORMATION DOCUMENTED WITH PREVIOUS COMPLAINTS THAT THEY REINSERTED AFTER REMOVAL.

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 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I received this bill from a bank I have no record of dealing with. 

And apparently, I have a past due to an unknown. 

Can you assist? 

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 2023-07-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently pulled a copy of my credit report and seen some hard inquires I don't recognize. As per FCRA Section 609 605 and 623 Please Provide record of consent for these inquiries and record of accuracy. If unable to validate or provide written records I expect removal of these inquiry immediately. 

XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX  Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Consumer reporting agencies, area research reporting are reporting late payments in violation of 15 USC 1681A. Transactions are not to report on the consumer report, late payments are a form of Transactions. According to 15 USC 1681 B permissible purpose of consumer reports must be in accordance with the written instructions of the consumer to whom the report relates, without permissible consent, it's identity theft. The consumer report has wrong addresses, wrong names. I only give permission to report paid in full, on time, and as agreed. My consumer report should not contain any debts in collection, I have not consented to my private and confidential information to be given to any 3rd party, I have never been given any notice or opportunity to opt out of any debt in collection. Debts in collections where not properly verified, they have NOT proven they are licensed to operate in my state, they haven't provided proof of ownership of the debt, they haven't shown the original contract showing I owe the debt or the amount, I have not done business with the collection agency that would justify me owing them anything. There are debts in collections on my consumer report that has a positive balance. FALSELY REPRESENTING A CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CT

Complaint narrative:
Someone I was charged XXXX $ from cashapp and I dont have a cashapp account Ive been trying to get it back since XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I requested closing of all three of my accounts with PNC ( XXXX, XXXX, and XXXX  ) ( Acct XXXX  s XXXX, XXXX, XXXX ) accounts on XXXX I called in to their customer service department and they refused to close the account. I asked both an operator and a supervisor ( XXXX XXXX out of XXXX, PA call center ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-07-06 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: CA

Complaint narrative:
Attached you will find a credit report showing the XXXX XXXX account is closed and all payments are on time and this account was opened XX/XX/XXXX over 7 years and 7 months and Equifax, XXXX and XXXX are still showing this on my credit report. Please see attachment. And showing like I still making payments on this account for XXXX, XXXX, XXXX and XXXX when this account has been closed. No payments are being made so why is this still showing and the account is closed and over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: NJ

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: NJ

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

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 2023-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My Mortgage company offer me a 90 day furlo due to covid they assured me that I would have options after the 90 days. Prior to that I was not behind on my payments. After the 90 days they was not willing to work with me on no level. I file for a modification and was denied I file for a payment plan again denied. All this started in XX/XX/XXXX. I Applied for assistant with the XXXX XXXX XXXX XXXX XXXX  three months later I was approved. On XX/XX/XXXX they sent a check to PHH Mortgage in the amount of {$6800.00} and another payment on XX/XX/XXXX in the amount of {$820.00} however my account still have not being brought current. I call every week for eight weeks only for each person to tell me something different they admit they have the funds but have not applied it to my account. They initially said it would take 14 days for the loan servicing department to apply the funds to my account. In the mean they would not take any payments from me making me get further behind. Yet no current update. I am a senior citizens and very worry about my home. I have live in this house for 21 years I have never got an accurate amount on how much i still owe my balance still show the amount I paid for the house in XXXX upon closing. I have an escrow account and they been taken out for that but not paying the taxes, please help me understand what is going on. 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 explanation
Consumer complaint received 2023-07-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My vehicle was unrightfully repossessed in XX/XX/2023 less than 30 days after I made a payment. I was told that I had 3 months of non pay and that Ally had legal right to do so. I paid all monies due per the documentation and the verbal communication from Ally ; and the final amount was {$600.00} in excess of the repossession letter. My vehicle was released back to me a few days later. However, upon my request for the title to my vehicle, I was then told that I owed another amount of {$2900.00} as a final balance. This was never shared when in discussion to retrieve the vehicle. I specifically asked for the total balance owed to close out the account with Ally. I know this to be accurate because I was outraged that the vehicle was taken after I had just made a payment in XX/XX/2023. 

I have been calling for more than 90 days trying to dispute the amount that Ally claims is my final balance. In addition I began requesting details about the miscellaneous explanation of charges and the additional car note listed after I was told that I had no other car note owed. This is so unfortunate after 6 years and although my account was not up to date at times ; I am still a customer and I paid what was owed. I am asking for your help to right the wrongs of this company and force them to release my title.

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 2023-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We have a home equity line of credit with Wells Fargo Bank. 
We all had XXXX in our home and my husband was out of work for a while. 
We called Wells Fargo and were told we could defer six months of payments and they would be added to the end of our loan with no additional interest or anything negatively affecting our credit line. After the six months we started resuming our payments and then Wells Fargo started calling us saying those six payments were not added on to the end of our loan and that we needed to pay them XXXX. We told them no that they were supposed to be added onto the end of our loan and that we were resuming our monthly payments. We have been customers with them since 1989 and this is our third mortgage with them. We have been going in circles with them and everytime we call we get a different person who tells us something different and at this point we cant even understand what they are saying. we owe XXXX and this past friday we went to the bank to pay a XXXX payment and the teller said he couldnt accept it because a message came up saying they could only accept the XXXX. We are getting no where with this bank and feel like they are scamming us and trying to take our home.

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 2023-07-06 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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