vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: FL

Complaint narrative:
I attempted to transfer a small amount to my Cashapp account as I have done in the past but the wrong amount was transferred. 

I immediately contacted CashApp and the representative I spoke with was very adversarial. I informed them that wrong amount was transferred and this created a hardship for me. The representative was very dismissive and told me that it could not be cancelled. 
I explained several times that the transfer amount was a serious mistake and I needed help to resolve it. 

The representative was so negative that I requested to speak with a supervisor. I was then told that it would take several hours for a supervisor to contact me. I explained that this was XXXX XXXX and that this problem was just unbearable. 

The representative told me that a Supervisor would inform me of the same information that they shared. I again requested to speak to a supervisor and I was transferred to XXXX who was very condescending. He stated that he could not cancel my transfer because I accidentally made a transfer. He told me he would look into my account and then I was informed that he closed my dispute and I would have to contact customer service another day to address it, after I requested my reference number and again requested to speak with a Supervisor. 

XXXX, unethical predatory business practices is criminal and they should not be allowed to operate a business with cutthroat tactics being utilized against consumers. 
There is something wrong with the app itself. I entered {$2.00} and instead the app transferred {$250.00} from my account. This is not accurate and I pleaded with Cashapp representatives to cancel the transaction because it was fraudulent. 
The representatives I spoke with in the App deliberately stone-walled me to prevent transferring me to a supervisor. The in chat messaging took place for over an hour and I directly contacted CFPB because it was demoralizing and completely wrong that I had to endure this level of abuse on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-12-26 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: Chime Financial Inc
State: VA

Complaint narrative:
Chime has failed to open an account or issue a written email as to it's status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Account name : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Consumer complaint received 2022-12-26 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: IL

Complaint narrative:
XXXX XXXX XXXX  Account Number XXXX Account Open Date XX/XX/2022 Amount {$1000.00} Experian is reporting an account to my credit that does not belong to me. I have had several issues with them before and have had to request proof of accounts which I was not provided. Another Collection Agency called me about an account with XXXX before and I advised that I didn't have another account with XXXX. I also didn't not live at the address they provided and the services at my previous address were never in my name, I didn't have any utilities services in my name prior to moving into my home in 5 years or longer. Also, please note I currently have residential XXXX services at my home which I own and XXXX does not have any outstanding bills with my information.

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 2022-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am not aware of this debt nor understand what it is. I was not notified properly nor was this debt properly confirmed to be owned by me. I would like the accuracies to be checked on this account between all XXXX credit bureaus as it's missing or removed on the other ones. 

AARGON AGENCY INC XXXX XXXX XXXX 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 2022-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo foreclosed on my home in XXXX after sending me loan modification forms. I did not request the forms and paid on my mortgage every month. This began in XXXX. I was in court with a lawyer for 6 years and still lost my home of 23 years! I was told numerous times that they didn't receive the papers back, which I sent to a self addressed return envelope, and I resent and faxed numerous times from my local Wells Fargo location. They claimed they didn't know my income was XXXX, lied about tons of things. They even claimed I owed on a credit card that I never took out. Much went on in court and my lawyer said I had a good case when he very suddenly quit my case. This was also suspicious. I went to the WI Dept of Justice with my case as well. In fact when Wells Fargo first tried to foreclose in XXXX XXXX XXXX was the owner of my mortgage. I got nothing out of the home I paid on for 23 years. Can you help me in getting some sort of monetary settlement for all of their illegal and evil work to take my life away?

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 2022-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: TX

Complaint narrative:
On my credit file it says I owe one amount but when you call to pay it off they are asking for double amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good evening I have disputed and successfully got 3 collections removed from Experian XXXX and XXXX, but they keep reinserting and posting inaccurateAND incorrect info to my report. 

From the debt collection XXXX for amount of {$520.00} and {$240.00} XXXX XXXXXXXX XXXX {$310.00} medical I've had these removed from XXXX successfully because of inaccuracies, incorrect reporting dates, balances and codes, that the bureaus have not reported correctly and lied about validating and verifying, also Experian will not remove incorrect addresses from my report and names and numbers!! XXXX  and XXXX have updated majority of my info, XXXX XXXX XXXX closed account was removed and reinserted! 

these accounts have so many inncuracies and are severely affecting my financial life, schooling, and mental health. 
I have sent in letters asking for original statements, signatures, bank account info and have been ignored. and they try to sneak and insert info without informing me and providing documentation to support their claims! please help me hold them accountable for their inaccurate reporting the FCRA says It has to be 100 % correct and I promise you it is not!

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 2022-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Debtor agreed to payment agreement accepted funds and.senr yo.treasury to take.offsets. agreed sent.in.XXXX however not given.full.credits.for funds sent and sent to Transworld Systems Inc to date offsets being taken from social security and retirement. Benefit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX Account Open Date XX/XX/2022 Amount {$1000.00} XXXX is reporting an account to my credit that does not belong to me. I have had several issues with them before and have had to request proof of accounts which I was not provided. Another Collection Agency called me about an account with XXXX before and I advised that I didn't have another account with XXXX. I also didn't not live at the address they provided and the services at my previous address were never in my name, I didn't have any utilities services in my name prior to moving into my home in 5 years or longer. Also, please note I currently have residential XXXX services at my home which I own and XXXX does not have any outstanding bills with my information.

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 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
So they put im dead and im not dead im XXXX and wondering why i cant do anything with my credit as well XXXX i owe XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
Fact, Title 15 Chapter 41 of the U.S. Code is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibits A-D, Continental Service Group , Inc. , is in violation of 15 USC 1692f ( 1 ).

Fact, affiant is aware and has proof pursuant to 18 USC 8 that I am not obligated to remit payment for bills. Exhibits A-D are the responsibility of the United States. 

Fact affiant is aware and has proof pursuant to 15 USC 1692c ( a ) ( 1 ) and Exhibits A-D, Continental Service Group , Inc. communicated with me at an unusual place and time by mailing 4 letters to my location. 

Fact affiant is aware and has proof pursuant to 15 USC 1692e ( 11 ) and Exhibits A-D, Continental Service Group , Inc. failed to state in its communication that it is attempting to collect a debt AND that any information obtained will be used for that purpose.

Fact, affiant is aware and has proof pursuant to 15 USC 1692a, Continental Service Group , Inc. is a debt collector.

Fact, affiant is aware and has proof pursuant to 15 USC 1692d ( 2 ), Continental Service Group , Inc. used profane language in Exhibits A-D to abuse me.

Fact, affiant is aware and has proof pursuant to 15 USC 1692j ( a ), Continental Service Group , Inc, furnished a deceptive form and furnished the form to create the false belief in me that it was participating in the collection of an alleged debt and not the creditor. 

Fact, affiant is aware and has proof pursuant to 15 USC 1692k, Continental Service Group , Inc. is civilly liable for violations herein.

Fact, affiant is aware and has proof pursuant to 18 USC 1341 and exhibits A-D, Continental Service Group , Inc. devised a scheme for obtaining money from me and committed mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: Grain Technology, Inc.
State: NY

Complaint narrative:
Hello, Good Afternoon, When reviewing my credit report, I saw that an installment loan was Opened up in my name XXXX XXXX. I then decided to call the company GRAIN TECHNOLOGY , Inc To get this taken care of because I have been a victim of identity theft. Before I could state the case, the guy on the phone accused me of opening the account because payments were made to the account. I was explaining to the guy that wasn't by me, and I didn't authorize anything. I then provided him with a police report by the XXXXXXXX XXXX, an ID theft Affidavit, proof of identity, an FTC report, and a dispute letter to the company. I sent all the documents to fraud department email. He then proceeded to send me an agreement that I didn't authorize, then after all the documents I provided, he said that the account belonged to me.

Company response to consumer: Closed with explanation