vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
I received a text message indicating I was receiving a deposit to my Cash app account. I logged into my account and no such deposit was pending. I thought an unauthorized party was attempting to access my account, so I changed the PIN on the account. I immediately received confirmation of my PIN change from the same number that notified me of the incoming deposit. This leads me to believe that the number from which the alert was sent is a legitimate number, however, there is a privacy issue somewhere. 

I contacted the company who then advised some other customer had probably mis-typed my phone number by accident, and that my only recourse was to wait for that customer to realize the mistake and correct it. Not only are the alerts alarming, but they violate privacy of both myself and the other account holder. After several minutes of trying to explain why this is a serious security breach and waiting is not an acceptable resolution, I asked for a supervisor. 

The supervisor informed me it is not possible for XXXX phone number to be associated with XXXX accounts, and then advised that I should educate myself on phishing attempts and act accordingly. I again provided screen shots that showed the same number was providing the alerts from my account, as well as alerts from another account, but the supervisor disconnected me without providing a solution. 

I again contacted the company explaining this serious breach of privacy and security. The support team advised me to toggle the notifications off, then on again. I did this suggested action as well as uninstalled and re-installed the app, then toggled the notifications off/on again, to no avail. I continue to receive notifications from another customer 's account. 

I contacted the support team again, and they suggested I simply opt out of account notifications. I pointed out that this would then deprive me of any notification where an unauthorized party was trying to access my account, but no further solutions have been provided. 

I continue to be extremely concerned that this company is wholly unconcerned with the security and privacy of its customers/account holders. I also am still receiving notifications from the other account ( not mine ), even now. This violation of privacy and security needs to be addressed, as we are talking about not only currency, but the potential for hacking into banking accounts that are linked to these accounts in the app! The security of my funds is critically at risk, and it is vital that we review the policies and procedures of this company, and ensure the privacy and security of account holders is more conscientiously guarded and protected!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/2018, I tried to access my account and I realized it was frozen.I recieved a letter 2weeks later stating my account will be closed and my funds sent in form of a check to me.I waited until XX/XX/2018 and called customer care who could not give me an answer, finally I was able to get through to the legal department through customer care agent because the legal department does not speak with customers directly.I was told my account was flagged for possible fraud and assigned to a detective XXXX and I was given the phone number ( ( XXXX ) XXXX ) Its been XXXX now called the number and I was told I do not have any active case and besides I was not within their jurisdiction.I have called Bank of America over 50times in the last XXXX years nobody can give me any answers about my account.My account no XXXX my address is XXXX XXXX XXXX XXXX Florida XXXX.I still recieve statements every month.I want my money and accrued interest for all the pain and suffering I have endured for no crime at all.My complaint and issue is with Bank of America .

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 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 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 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 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 handwritten 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 non-monetary relief
Consumer complaint received 2022-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive sent numerous documents proving that the incorrect account werent mines due to fraud. And theyve repeatedly ignored my claims and my request to have those incorrect items remove. Ive also included a police report backing up my claims and theyve continued to ignore me and not follow the proper protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: FL

Complaint narrative:
Ive sent numerous documents proving that the incorrect account werent mines due to fraud. And theyve repeatedly ignored my claims and my request to have those incorrect items remove. Ive also included a police report backing up my claims and theyve continued to ignore me and not follow the proper protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is a follow-up to my most recent complaint as the bank doesn't seem to be able to answer my fairly simple question regarding PMI removal based on current value ( getting a new appraisal ). 

The question is regarding removing PMI based on current value, aka getting a new appraisal. They seem to not be able to understand this part. I am aware that due to their Escrow department misapplying my payment, they previously reported my loan XXXX  days late to the credit agency. I've tried to get this corrected with them but they denied the request. The current question is : 1. I understand that I can't apply for PMI removal if there was a payment that was XXXX days late in the last XXXX months. WHEN WILL MY ACCOUNT BE ELIGIBLE FOR PMI REMOVAL BASED ON CURRENT VALUE ( APPRAISAL ). Provide a specific date when my account will be " eligible '' for PMI removal based on current value ( appraisal ). For example, I would get an appraisal and if my appraisal comes in higher than the original and I am now at XXXX XXXX XXXXXXXX, PMI would be cancelled. 

2. Once I am eligible for PMI removal based on current value ( XXXX Bank to confirm this as per # XXXX ), what is the XXXX that is needed based on the age of my loan. Is it XXXX XXXX or XXXX XXXX XXXXXXXX since the loan is under XXXX XXXX XXXX. 

The below what was in the original complaint : 1. Provide all their requirements for removing PMI based on " current value '' of the home. 2. Confirm if my loan is currently eligible for PMI removal based on " current value '' / appraisal.

3. If it is eligible, what are the conditions. What XXXX is required in order to remove the PMI. 
4. If I am not eligible right now, when am I projected to be eligible to remove PMI at XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of XXXX XXXX  illegally repossessed a vehicle I had with them. XXXX XXXX then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.

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 2022-10-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 : Its 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 non-monetary relief
Consumer complaint received 2022-10-27 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: PA

Complaint narrative:
On XX/XX/2022 I submitted a claims to Equifax in regards to the breach of my privacy and consent. Im currently waiting a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of XXXX XXXX  illegally repossessed a vehicle I had with them. XXXX XXXX then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.

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 2022-10-27 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: EQUIFAX, INC.
State: WI

Complaint narrative:
equafax i have disputed many times XXXXXXXX XXXX XXXX XXXX and i put it in my bankruptcy  also and they still wont remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: MI

Complaint narrative:
I have already sent XXXX requests but the accounts listed below are still reporting on my credit report and are violating XXXX XXXX. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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:
15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1692 C says that if a report has been made, accounts must be removed. According to review, I have filed a report with the Federal Trade Commission showing that these accounts were opened fraudulently. I have attached a copy of the report to this e-mail. The accounts include : 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 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 2022-10-27 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: MI

Complaint narrative:
I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX XXXX {$230.00}

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 2022-10-27 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2022, I issued a XXXXXXXX XXXX  check in the amount of {$470.00} to a contractor for repairs to my deceased mother 's property which were required in order for the buyer to obtain his mortgage financing. The buyer likewise issued a similar check since we had agreed to share in this expense. 
The realtor took both checks and mailed them to the contractor at the outside mailbox at the XXXX XXXX, XXXX, post office. 
Both checks were stolen, altered, and cashed by a thief at the Bank of America on XX/XX/2022. 
When I became aware of the theft, I took the following actions : 1. Filed a fraud report with XXXX Bank, my bank. ( Claim No. XXXX ) 2. Filed a report with the XXXX XXXX, XXXX Police Department ( Report # XXXX ). 
3. Filed a report of the theft with the XXXX XXXX XXXX XXXX XXXX XXXX United States Postal Service ( Case # XXXX ). 
4. Sent a letter to the Bank of America requesting their assistance with the identification of the thief since the check was endorsed and marked " for deposit only '' and an account number is included on the back of the check. Neither the local bank nor the home office in XXXX, XXXX, would offer any assistance. ( XXXX XXXX. XXXX ) XXXX. Subsequently, I received a letter from the Bank of America in XXXX, XXXX, requesting that I telephone them for " additional clarification from me '' which they require. I attempted to call them as requested, but I never was able to speak to a person. Their automated answering machine kept asking me for an account number and password that I obviously do not have. 

The XXXX XXXX Police Department informed me that thefts from outside mailboxes are very common and that the United States Postal Service does not respond to police reports of these incidents or do anything to correct the problem. Consequently, all consumers should avoid using these outdoor mailboxes to send any checks. 

XXXX XXXX has informed me that until the Bank of America reimburses XXXX for the fraudulently cashed check, XXXXXXXX XXXX will not reimburse me. This incident is now almost XXXX months old, and neither Bank of America or XXXX XXXX has taken any effective action to correct this fraud.

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 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Applied for card XX/XX/XXXX and was approved by Barclays. Now Barclays is not letting me use the card and when I call in to ask why it's blocked the reps are unable to help me. They say there is no security alert on my account even though the website is telling me to call as there is a hold. I have a payment of {$95.00} coming up even though I can not use the card.

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 2022-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of XXXX  XXXX  illegally repossessed a vehicle I had with them. XXXX XXXX then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
We had car loan with Santander XXXX XXXX since XXXX XXXX. 
On XX/XX/XXXX loan account was totaly paid and closed. 
Loan we paid from XXXX XXXX bank account by auto payee. {$600.00} monthly. 
After the loan account was closed still 3 times autopayee went through : XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$600.00} We called to XXXX XXXX bank. They filled up the claim and denied next day because they don't see any issues there. Money went to Santander loan account. Then we call to Santander- they don't see money in our loan account because it's closed. No more loan. Where is money? Where they dissappear?

Company response to consumer: Closed with explanation