vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
On XX/XX/2023 at XXXX there was {$50.00} removed from my without my authorization. 

On XX/XX/2023 at XXXX XXXX. there was {$4000.00} removed from my account without my authorization. 

I had been hospitalized in XX/XX/2023 for XXXX and was in recovery most of the summer. 

Because of my poor health and age ( I will be XXXX in a month XXXX ) I did not notice this cash was missing until around XX/XX/2023. 

I was saving the money to pay hospital bills. 
They failed to notify me when " {$4000.00} of my money was removed at XXXXXXXX XXXX on XXXX XXXX XXXX XXXX 

Cash App advertises the following but they do not do anything. 
. 
Does Cash App refund you if scammed? 
If a potentially fraudulent payment occurs, we cancel it to prevent you from being charged. When this happens, your funds will instantly be returned to your Cash App balance or linked bank account. If not, they should be available within 13 business days, depending on your bank. 

They denied my claim. If removing {$4000.00} of my money at XXXX XXXX on a Saturday night isn't a " potentially fraudulent payment '' I don't know what is. 

I have contacted them but all they say is to keep submitting claims and then they deny them. 

I also know after talking to financial advisers that people can actually take money out of your bank account. 

Most of the employees you talk to at Cash App are in foreign countries and do not speak English very well and don't even understand half the time what you are requesting. 

I would advise everybody to remove the cash app from their phones and computers, because after your money is stolen they don't try and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gravamen Asset Management Group LLC
State: MO

Complaint narrative:
I was contacted by a phone agent a few weeks ago about this, and attempted to explain I just had a XXXX XXXX XXXX removed due to identity theft from my late brother. ( See last CFPB complaint ). The agent was rude, refused to help identify the debt, cut me off repeatedly when I tried to explain what happened and tried to fix this. The agent cursed at me and told me I could pay the {$600.00} whatever now or he would make sure they got over XXXX XXXX dollars. He treated me and spoke to me like a criminal and gave me no opportunity to resolve the collections any other way. He was so rude I assumed they got my information again and it was a scam attempt. 

This agent knew that I was claiming this debt was not mine, I attempted to resolve the identity issue and they refused and processed this into collections ruining my credit again anyways.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kornerstone Credit,  LLC.
State: AR

Complaint narrative:
I have disputed this account from XXXX XXXX XXXX with you and with the three credit bureaus. I did receive a letter from XXXX XXXX XXXX that stated they believe that the account belongs to me and is not a identity theft account. I have asked numerous times to receive paperwork that shows how they determined that and I have yet to receive it. I would like to receive this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: FL

Complaint narrative:
I looked in to my Equifax credit report and found multiple inquiries not authorized by me, I requested for Equifax to verify and validate and remove as stated in the fair credit act. Equifax responded inquiry are not removed for 2 year with out any verification The Following inquiries are in question XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
This debt was paid in 2019. I have been disputing it ever since it appeared on my report and XXXX and XXXX refuse to investigate. They just place a statement that it meets the FCRA without sending me proof that this debt is valid. I am a current XXXX XXXX customer and would not be allowed to continue services if the debt has not been paid. Neither of the companies that this debt keeps shifting to are providing evidence I a requesting, yet it is affecting my credit score.

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This debt was paid in 2019. I have been disputing it ever since it appeared on my report and XXXX and Equifax refuse to investigate. They just place a statement that it meets the FCRA without sending me proof that this debt is valid. I am a current XXXX XXXX customer and would not be allowed to continue services if the debt has not been paid. Neither of the companies that this debt keeps shifting to are providing evidence I a requesting, yet it is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: PA

Complaint narrative:
After making several attempts, This company still has failed to produce any and all contracts that I have signed with them showing that I gave them permission to collect from me and that they have a right to report late payments and debt increases to my credit report weekly and monthly. If they purchased this debt, provide the chain of title proof that they purchased this debt. I have yet to receive anything with this information and yet they are still placing negative information on my credit report every week and sometimes every 2 days. Additionally, This company sent a bill from another medical facility with personal medical information on it which is in direct violation of XXXX. At this point This company is knowingly harming my character and reputation and should be held liable for what they are doing. I do not owe this company I have never signed anything with this company and I dont know who they are. They continue to report late payments to my credit profile harming my life and the lives of my family. This is criminal and in DIRECT violation of SEVERAL FDCPA laws. Receivable Management company can not produce any contract because they do not have one. I am AGAIN making this complaint and demanding that this information be deleted from my CREDIT profile IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: HI

Complaint narrative:
When the new XXXX plans rolled out, I thought my payments would be automatically recalculated according to the new rules, which would have resulted in a lower monthly payment for me. I was previously on the XXXX plan, which had calculated my monthly payment to be {$310.00}. After my plan was rolled into the XXXX plan, my monthly payment stayed the same but I was placed into forbearance. I submitted a new IDR on XX/XX/XXXX in the hopes that it would update my payment amount. Forbearance will be done on XX/XX/XXXX, which is when my next payment is scheduled to be auto-charged. MOHELA has still yet to update my payment amount and if they dont, I will be left paying more than I should be. I have tried calling but due to my work schedule, I can not be on hold for hours and hours at a time. 

Further, I had a name change due to being married so I submitted the documents to get my account name changed. I submitted on XX/XX/XXXX then again on XX/XX/XXXX. The name discrepancy due to this name change not being processed has me worried that my IDR recertification will not be processed. 

Its not right that they processed my auto debit paperwork BEFORE processing my IDR recertification, especially with no word or update on the status of the recertification. Overall, it seems like a suspicious practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This debt was paid in 2019. I have been disputing it ever since it appeared on my report and Experian and XXXX refuse to investigate. They just place a statement that it meets the FCRA without sending me proof that this debt is valid. I am a current XXXX XXXX customer and would not be allowed to continue services if the debt has not been paid. Neither of the companies that this debt keeps shifting to are providing evidence I a requesting, yet it is affecting my credit score.

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 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello CFPB my bank account has been going from the positive to the negative. One moment is in the positive the next moment its in the negative yesterday. On XX/XX/XXXX I had a balance of zero I called the bank yesterday. They said that everything looks like its been updated and that you have a positive balance of {$2800.00} and that you are in the positive, I told her on the phone that I dont trust the bank anymore. Everything had already mostly cleared. I had a positive balance of XXXX dollars the lady informed me that this would not go back into the negative. This is the most horrible experience I have ever had. I have been with the bank since XXXX now I can never trust Wells Fargo again right now my account is overdrawn by {$3000.00} because I thought that money had finally come back to me after since the beginning of the month of XXXX this balance has been going from negative to positive over and over and over and over and over again. I have made a lot of transactions but I never put the account in the negative and I also made sure to replenish any funds so my account is done and unless Wells Fargo fixes this which I feel as discrimination at this point because I had a positive balance of over {$3000.00} for three years I dont think Wells Fargo is going to help me in the situation and I think its horrid and scary that these banks can just flip-flop the accounts charge multiple overdraft fees when Ive had a positive account with them for over three years and its been mainly positive since XXXX now I have to switch to another bank and get my money back I actually have an account to use it does not make sense. Nothing adds up to me at least can you go for a positive {$3000.00} suddenly {$3000.00} negative in one day when there wasnt even any pending withdrawals that would add up to that balance. This has been happening for weeks. If anybody can help me that would be great if not if Wells Fargo can not help me in the situation, then I shouldve never banked with them to begin with.

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 2023-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
*Square provided false information in CFBP response to customers and I did not receive any verification information. ( Picture : XXXX ) ** Copy emails to reply to customers and insult customers. ( Picture : XXXX ) XXXX. The account is registered ( deactivated ) in XXXX, and the payment terms of XXXX are applicable. Square binds customers to its XX/XX/XXXX updated payment terms. 
XXXX. Your email customer promises to review and release within XXXX days. You broke the contract without any results. 
XXXX. The account did not trigger the XXXX items you mentioned ( no customer refunds or disputes occurred ) XXXX. The account was delayed for 2 years. You did not contact the customer to propose a solution midway and deliberately delayed the process. Instead, after complaining to " XXXX '', it will be " permanently retained '' and based on your company 's payment terms XXXX ( it does not indicate that you have this authority ) ( or trigger Article XXXX ) ) Summary : Square Company complained that the manager abused the terms, breached the contract at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial departments will intervene to investigate Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: 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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2023-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Global Lending Services LLC
State: NC

Complaint narrative:
XX/XX/XXXX Spoke with Global Lending about my payment, the lady whom I was speaking with assured me that if I made a payment on XX/XX/XXXX and then call back to set up the next payment because it could not be set up online that everything would be fine and that the car was no even in critical stages until 90 days late the car on XX/XX/XXXX would have been 87 days late. Payment was set up for XX/XX/XXXX to be drafted for my account on XX/XX/XXXX everything was fine. XX/XX/XXXX I stop at XXXX XXXX XXXX to have my car repossessed car payment was still set up for XX/XX/XXXX nothing had changed. I sit in my car in the gas station parking lot with a third-party repossession truck until the bank opens to be told that my account had no new notes that is not my problem but your employees did not do their job. This is not the first time that Ive had dealings that were unethical by this company. I was going on about my day not realizing that I was lied to and embarrass in the parking lot of sheets where we sit for an hour until the bank open. Now Im on the hook for the repo fees. Also the two truck driver was not a normal company they used and he knew all my personal information as well as payment information. He even said this process was not appropriately handled. I had to give them {$1600.00} to get my car lowered, so I could go to work. You should not treat your consumers this way

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have contacted Westlake portfolio management on multiple occasions I sent ftc reports to the credit bureaus and all. I told them can I get a contract where it say I signed with them. Every phone call is recorded so yesterday on my 5/6 time calling for an update the guy stated we dont have to send you anything only the credit bureaus. They keep stating a car from us auto sales and how they took over their accounts. This has been all over the news.

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested Proper verification and validation to XXXX Original creditor : XXXX XXXX XXXXXXXX this company has placed the account XXXX showing a amount owe of {$670.00} I have no knowledge of this account, I have disputed it multiple times and not documentation step by step validating this account has been provided. 

this account is affecting my credit report and as per the fair credit act I request a immidate removal from my Tranunion credit report. 

Also Transunion fail to verify and validate this account as stated by the fair credit act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The following accounts must be deleted as they were opened without my consent : XXXX  - ACCOUNT NUMBER XXXX - Opened XX/XX/2021 XXXX - ACCOUNT # : XXXX - Opened XX/XX/2021 XXXX - ACCOUNT # : XXXX - Opened XX/XX/2021 I have further done more investigating to understand why these accounts are reporting on my credit report and per my findings, on XX/XX/2021, my personal information was leaked due to a data breach. ( See attached documents ) In this breach, I

found that the following information was leaked, which are items needed in order to get approved or open an account fraudulently : SSN, Name, DOB, Phone number and address. These accounts were opened in the same year of the breach and reflect no payments towards the accounts which is a usual sign of fraud. I have attached the ID THEFT reports for all of them as well as the source of the date breach and what was included. That is enough evidence proving they are not mine. They were opened without my physical signature. They were opened in a state I do not reside in. They were opened with an address I do not live at. Resolution : delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house. Reinsertion of these accounts after removal will be documented and presented to an attorney for further review for legal action to be taken as a result of negligence and deformation of character against all parties involved. 

Please comply with my request as failure to do so will result in legal action being taken.

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 2023-10-28 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: 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 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have requested Proper verification and validation to FFCC-CLVLAND Original creditor : XXXX XXXX XXXXXXXX this company has placed the account XXXX showing a amount owe of {$670.00} I have no knowledge of this account, I have disputed it multiple times and not documentation step by step validating this account has been provided. 

this account is affecting my credit report and as per the fair credit act I request a immidate removal from my XXXX credit report. 

Also XXXX fail to verify and validate this account as stated by the fair credit act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation