vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX the bank closed my account. I waited for a month for the bank to release my money by sending me a check. The amount is {$55000.00} I had a second account with them and the balance was {$100.00} this money was returned back via a check they sent in the mail. 

In XXXX of 2023 I visited the bank, and an employee called their HQ and said they are investigating. I offered any information they may need to resolve the issue. They declined and said they will notify me. I did not hear anything back. 

I called their XXXX number multiple times. After getting in touch with one of their representatives they said that I have to go to the branch, and they would be able to help me. 

In XXXX of 2023 I went to the branch and XXXX, the bank manager, was kind enough to call their HQ. The HQ requested information and I provided it to them. After a few minutes they came back that they will have an answer by tomorrow. I followed up with them after 3 days and they didn't have any information for me as to when my funds would be released. 

In XXXX I called their XXXX number again. I got in touch with XXXX, bank employee, she hung up. I called back got in touch with XXXX, bank employee, she hung up. I called back again and got in touch with XXXX, she said that a check was supposed to be cut for me on the XXXX of XXXX. She put me on hold and was supposed to get back to me to find the reason why it wasn't. She never called. 

I called back and spoke with someone and instructed me to hold so she can find the reason why my money was not being released. No surprise she hung up on me. 

PLEASE HELP to get my money back from these people. They give no information or ask any information why their holding on to my money. 

This has already been 5 months from the date of them closing my account. 

I can be reached at XXXX or 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 2023-04-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me and should not be on my Equifax file. This is fraud. These companies have never provided a method of verification. These accounts should be deleted from my credit file today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Flagstar Bank is keeping my full loan payments in suspense for no good reason. My mortgage payment is on automatic payment and the payments come out of my checking account each month. The money has been received by Flagstar in a timely fashion but they are keeping the funds in suspense, indicating that I made a partial payment. The payment amount is automatically debited by FLAGSTAR and it is for the correct amount. 
On XX/XX/XXXX ( mid-cycle ) Flagstar sent me a statement showing that they had reversed my payments back to XX/XX/XXXX and that the $ had been placed the money in suspense because the payments were short. The XX/XX/XXXX statement indicates that the loan is current. The online history states that on XX/XX/XXXX the payments were reversed. Flagstar calculates the payment and sends the ACH to my bank. I am enclosing my bank history showing that the payments have been posted each month through ACH by Flagstar Bank. Also, XXXX is the month for my escrow calculation. It will definitely not be correct with this mess. They are now threatening foreclosure. Please help me ASAP.

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 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NJ

Complaint narrative:
We are a small business company and we accept credit cards, we sold a merchandise to one customer and he paid us with a credit card, the credit card company processor ( square ) place a hold they are alleguing that the credit card is stolen, which is not true, we asked them for evidence and they refused to provide it, we are dealing with that customer since 2021 and never had any issue. 

We call them and they refused to transfer me with a supervisor or escalate the desition when I asked for the names of the representatives and they refused to give us the name of the supervisor, they were very rude with us especially one of them named XXXX '' they do not want to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good Afternoon, I have been trying to correct my credit report with XXXX, Experian, XXXX which is the ONLY reporting agency corrected my report in a timely manner, however, XXXX, EXP failed to do the least and Im suffering to maintain my small business and home due to their lack of care.

I have attached a copy of my reports and clearly you would see the gap between thw three scores and its accuracy.

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 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I did not receive any kind of written notice or any type of message about this debt. It just appeared on my credit report. I have not spoken to anyone about this debt over the phone either. I do not owe this debt agency {$700.00} and I would like for this to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
In my XXXX report, XXXX XXXX alerted me to new accounts opened in my name and affects my credit and I have never applied for them, and they do not respond to me The accounts are : Comenity Capital / Children Place, My Smile XXXX XXXXXXXX XXXX Comenity, XXXX XXXX XXXX. They are using my information to make fraud with my social security and affecting my credit. COMENITY CAPITAL BANK MY P.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
In my XXXX report, XXXX XXXX alerted me to new accounts opened in my name and affects my credit and I have never applied for them, and they do not respond to me The accounts are : XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/ XXXX, JPMC Card Services. They are using my information to make fraud with my social security and affecting my credit. XXXX XXXX XXXX MY P.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have inquires that i have discovered on my report. I sent a letter on XX/XX/23 about this dispute and nothing was corrected. I disputed these inquiries with Experian because they were never authorized by me and there is no proof that I authorized these inquires. Experian was unable to verify. This is a violation. My credit report is supposed to be reporting with 100 % maximum accuracy. I demand these inquires be reinvestigated and removed from my report. I am very disappointed in Experian 's service. We are supposed to trust them to do their job correctly. I have attached all the inquiries and necessary documents.

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 2023-04-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) : XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX and the other addressES that should be removed are XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX then we have XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX  ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: IL

Complaint narrative:
A debt collection agency is trying to collect a debt from a person that is not associated with me in any way. I have never owed an unpaid debt. The company has, since XXXX of this year, sent me five phone calls and two text messages from several different phone numbers, which manage to bypass the spam filters on my phone. In addition, they provided personal information of the person who they were attempting to collect a debt from without first verifying that they were contacting the correct 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 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J. Ritter Law P.C.
State: UT

Complaint narrative:
Received a letter dated XX/XX/XXXX stating XXXX XXXX XXXX XXXX had been hired by XXXX XXXX XXXX XXXX to collect a debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount of {$440.00}. 

A contact representative name of XXXX XXXX and phone number of XXXX was provided. 
Email : XXXX www.jritterlaw.com A file number was provided. 

The debt collection itemized letter attached claimed I had an account with XXXX AR XXXX University XXXX XXXX XXXX- with an account number attached dated XX/XX/XXXX. 

I have never been a student at above named university, or been a customer of above named bookstore, or acquired any such debt with the names entity. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX  XXXX, GA XXXX and the other address that should be removed is XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. XXXX in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-06 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This debt was for cancellation of a homeowners policy which was paid for the month it was cancelled. Credit Collection Services ( CCS ) has incorrectly reported this as a {$110.00} collection on my XXXX XXXX credit report. I submitted a written request to CCS for the original debt verification letter from the insurance company, namely XXXX. To this date I have not received any response from CCS. I request this collection be removed from my credit on an immediate basis.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
see attached I have been contacting these companies since XXXX of 2022, notifying them I am a victim of identity theft. I have sent proof of identity along with an identity theft affidavit yet these fraudulent accounts remain on my 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 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Today on XX/XX/XXXX I received a message on XXXX stating what's wrong with my cash app with profanity I was stunned to realize what is actually happening here since I have not been able to use my cash app account for going on a full month how on Earth has cash up allowed other individuals to access cash app through my name and I am the account owner and I do not even have access or am able to use cash app this is complete negligence on cash apps doing cash up close my account a month ago I reached out a month ago to cash up stating that I am not able to get inside two of my business cash app accounts which cash app ignored my concerns and just closed my personal cash app account that is when I had no access to no cash app account. Below I have attached messages from a hacker that actually reached out to me cussing me out calling me a XXXX calling me XXXX all because of cash apps negligence

Company response to consumer: Closed with explanation