vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
There are ( 2 ) transactions that I have been disputing for the last 8-9 months. On XX/XX/XXXX for {$140.00} and XX/XX/XXXX for {$1500.00}. Understanding that the transactions are quite old, I was making payments on a vacation package that was scheduled for XX/XX/XXXX. On XX/XX/XXXX, the merchant XXXX XXXX, cancelled the event. 

I have called and emailed the merchant with no response. They have since filed for Bankruptcy. 

I have reached out to CashApp filing several claims siting Non-Receipt of Goods or Services. Each claim has been denied within less than 24 hours stating that no error has occurred, despite all of the evidence that I have presented to them.

I paid for this vacation using ( 3 ) different financial institutions and have received my money back from the other two - XXXX and XXXX. Having provided them with the same documentation as I have CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST FOUNDATION INC.
State: FL

Complaint narrative:
On XX/XX/2023 I was performing account reconciliations and noticed that two checks were XXXX checks out of sequence and for larger amounts. I immediately called the local branch we deal with and the branch manager told me I should have noticed it and called it in within 24 hours of the occurrence, that there was nothing they could do about it or were willing to do and he hung up on me. So we visited the other local branch and the branch manager there told us she was reporting it to their fraud department but it may take a REAAAAALLLLLY long time to resolve it. That is unacceptable, but we went ahead and reported it to them and to the sheriff 's department. We have also reported to the FDIC, Florida AG, California Division of Finance, and Florida and were told to report to you by them. It has been 6 weeks or so since we reported the occurrence and upon checking in with the bank today, they have still told us there is no news and will not let us speak to their fraud division. I do not know that they are even doing anything about it. I think they are liars and it is probably from within the bank. I think they need to be investigated. I have no notice that it has been submitted to their fraud department except her word and she won't let me speak to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: CA

Complaint narrative:
I have been trying to get this resolved since 2021 some funds were taken out of my account with out my access from my bank of america account the amount was {$3200.00} i also sent my military ID and my written statement and also gone to a branch of Bank of America to get my account verified, after sending all these documents nothing seem to work.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the provisions set forth in the Fair Credit Reporting Act, I would like to bring to your attention that the list of accounts provided below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 U.S.C 1681. 
1. The XXXX XXXX account # XXXX has violated my rights. 
2. The XXXX XXXX account # XXXX has violated my rights. The Fair Credit Reporting Act, specifically 15 U.S.C 1681 Section 602 A, asserts my fundamental right to privacy. Additionally, 15 U.S.C 1681 Section 604 A, Section 2, stipulates that a consumer reporting agency can not furnish an account without obtaining my written instructions.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is stated that no consumer reporting agency may include certain items of information in a consumer report. Specifically, it prohibits the inclusion of any adverse item of information beyond records of convictions of crimes that precede the report by more than seven years. 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ) states when a consumer disputes the accuracy of information in their credit report, the CRA must thoroughly examine the evidence and documentation provided by the consumer to support their claim. Lastly, as per 15 U.S.C. 16815-2 ( A ) ( 1 ), it is mandated that no person shall furnish any information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. 
I kindly request your prompt attention to these violations and seek your assistance in addressing and REMOVING these issues in accordance with the Fair Credit Reporting Act.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( F ) : Reporting information during COVID19 pandemic

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 2023-09-13 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act you are reporting information that is a violation of the FCRA 1681b ( a ) ( 2 ) XXXX XXXX and Experian should remove these accounts as I gave no Permission for my NON PUBLIC PERSONAL INFORMATION to be transported because I did not give anyone Instructions therefore this is violating my PRIVACY RIGHTS so remove these items from my consumer report ( s ). 


Trade - XXXX  XXXX XXXX Trade - XXXX XXXX XXXX XXXX Trade- XXXX XXXX XXXX XXXX Title 15 USC Section 602 states I have a right to privacy.

Title 15 USC Section 604 states a Credit Reporting Agency can not furnish an account without my 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 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collins Asset Group, LLC
State: SC

Complaint narrative:
A sheriff 's deputy came by my house to serve a summons for XXXX XXXX XXXX. A debt has been sold to this company on an old debt. I was never notified by XXXX XXXX XXXX. A Summons was attempted to be served at my home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Twice I have had resurgent capital services contact me in 2022, asking for me to pay on an account that was fraudulently opened in my name. I let them know and proved to them it was fraud. Someone opened a card in my name, and made payments on it in my name. They stopped making payments and it was handed over to lvnv funding debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: FL

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 XXXX and 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 2023-09-13 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: NJ

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 and 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 2023-09-13 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:
XXXX XXXX XXXX of Birth XX/XX/XXXX SSN # XXXX Date : XX/XX/XXXX This letter is in regards of a dispute with XXXX After ordering a copy of my credit report I have notice that its inaccurate information on my credit report. And I have/had know knowledge of these accounts. 

In accordance with the Fair Credit Reporting Act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # : XXXX This account reporting is in violation of 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 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.

I this inaccurate account deleted from my credit file!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for the Citi Bank XXXX XXXX XXXX XXXX that included a XXXX miles bonus and was approved on XX/XX/XXXX, since this date I have been monitoring my incoming mail to confirm receipt and avoid any issues. I have communicated to Citi Bank numerous times concerned about the delay in receiving my card and all they tell me is to continue to wait one more day etc. On XX/XX/XXXX I received a text message and a automated phone call stating that the card was returned to Citi Bank and to call them that my mailing address is incorrect. The many times I communicated with Citi Bank I had to verify my identity and my address was never an issue because it is recorded correctly with them. I called Citi Bank XX/XX/XXXX and notified them of the messages I received, the representative canceled that card and processed another card this time expedited for receipt in two days. I visited my Citi mobile app today XX/XX/XXXX and a new credit card number # XXXX was created and then I noticed that said " Account Closed ''. I went ahead and contacted Citi Bank once again immediately XX/XX/XXXX and reported this to them and the representative advised me that the previous representative I spoke with on XX/XX/XXXX did everything wrong and that he was going to contact customer service to assist and correct this problem and errors made to my account, finally I need to wait 7-10 days for an update.

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 2023-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I applied for SAVE payment plan and provided all of the required and requested documentation. I did this well in advance of the deadline for repayment to resume. Nelnet confirmed receipt of my application, and then promised to update me by email every 10 days as to the status of same. 

I have not received any emails from Nelnet, and the deadline is approaching. 

Hold times are in excess of XXXX, and that is unacceptable when they only have hours of operation that fall within a work day. I can't simply sit on the phone waiting and hoping for someone to pick up. 

The amount I am supposed to pay for my first payment has changed a couple of times and there is no clarity on whether my application for the SAVE program is accepted. 

Nelnet is going to mess up credit scores and repayment schedules because they are not organized and do not adhere to even their own deadlines. If Nelnet is the servicer, collection should not resume until Nelnet can effectively service a loan. Nelnet faces no consequences if they miss a deadline, the debtors face ruined credit scores, inability to finance cars/houses, and the uncertainty of knowing whether Nelnet is about to mess up their finances. 

I understand that Nelnet is facing a huge job in getting up to speed on the loans assigned to them and that it is difficult in scale. Nelnet chose to accept that responsibility and is failing to execute effectively. Choices have consequences, etc etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account and a safe box someone sent a fraud garnishment, a spoof that they were with the State Board of Equalization after they tapped my phone and watched me go their the bank gave them more than {$2000.00} cash.

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 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
A wire transfer was made from my phone through a scam call on XX/XX/XXXX. The amount was {$10000.00}. I immediately called the bank and told them not to let this wire transfer go through and I went down to the bank branch to also report this and other fraud that was done on my account. 
They gave me reference numbers from my claim and I told him to put a hold on my account for days later more fraud was done to my account so they did not put a hold on it and also acted like they did not know much about the {$10000.00} that was gone. I am still getting the runaround from the bank. They finally sent me a letter telling me they were unable to retrieve my funds and that the case was closed. I dont understand how I can not be protected from my financial institution. I thought they were supposed to protect me with the consumer protection act for up to {$250000.00}. I would like to take my money out of this bank, but there are still disputes going on from mid XXXX at this point I just dont know what to do.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Over the past few weeks, I have encountered a series of unauthorized transactions totaling over {$7000.00} from multiple merchants. 

Initially, I filed a dispute with XXXX, the payment platform through which these transactions occurred. However, XXXX denied my claim, citing that the seller provided information indicating I had authorized these transactions. They mentioned that the seller referenced IP matching as evidence of my authorization, despite the fact that I did not receive any goods or services from them. 

In light of XXXXXXXX XXXX denial, I escalated the issue by filing a dispute with Chase Bank, my credit card issuer. To my surprise, Chase also denied my claim, explaining that XXXX, the card network, had conducted an investigation and concluded that I had indeed authorized these transactions. This decision was perplexing, given the numerous unauthorized charges involved. 

The situation has now become extremely frustrating and financially burdensome, as I am left with over XXXX transactions, each ranging from {$1.00} to {$99.00}, that I neither authorized nor received any benefits from. What compounds my concern is the apparent circular referral process, with XXXX pointing to the bank, the bank to XXXX, and XXXX directing me back to the bank. I find myself stuck in a disheartening loop of unresolved issues. 

I am reaching out to you in the hope of finding a resolution to this matter. These unauthorized charges have not only affected my financial well-being but have also eroded my trust in the security of online transactions. 

I kindly request your assistance in investigating and rectifying these unauthorized charges. Any guidance or support you can provide to help resolve this situation would be greatly appreciated. 

Please let me know the steps we can take to address this issue promptly. I can provide any necessary documentation or information required to assist with the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: 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 and 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 explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
I called chime about an issue depositing a check. The employee told me someone would call right back to help with this. I answered phone and person identified themselves as a chime employee. This man had me download an app..took all of my money and sent it to an unknown person. I disputed this with chime to get my money back and I was denied. 
Scammers took XXXX all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
This is unknown to me, I have never heard of either of these companies or owe a debt like this. I requested validation and nothing has been received. Please help assist

Company response to consumer: Closed with explanation