vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/ I woke up to {$110.00} missing from my Cash App account. There were no current transactions for this amount. I contacted CashApp to ask where my money went and informed them this is the same exact thing thats happened to me before. They said it was for a XXXX transaction XX/XX/ for {$44.00}, a XXXX order {$43.00} on XX/XX/ and a XXXXXXXX XXXX order for {$25.00} on XX/XX/. They are claiming the transactions in XXXX and XXXX were not completed and the money was never take from my account. However, the money was taken from my account. I also made multiple other transactions around that time. The rep I spoke to said that Cash App was dealing with a clerical error in XXXX and XXXX that they notified NOBODY about. Stating the funds were put back into peoples accounts. I informed the rep that none of these funds were returned to me and was deducted at the time of transaction. I also explained that as a company that big, why was none of the consumers informed about this. Because here it is XXXX and money is just magically disappearing from my account. No explanation or anything. How do I know about the clerical error. I dont know whether thats factual or not. And even then, we should have been notified so we could pay attention to funds being taken out of our accounts. The money being taken doesnt show up in our recent transactions. It just disappeared. I took a screenshot showing my transactions were completed at the time of purchase and requested a statement showing these funds being put back into my account. I also asked to speak to a supervisor. I was hung up on, I spoke to two other reps that claimed I can not speak to a manager or supervisor. At this point, I dont trust Cash App and I believe they are stealing peoples money. They cant provide any proof of the funds being sent back to our accounts, they cant issue any proof of a clerical error. Nothing. Just money being taken. Why is money being taken in XXXX for something I had no knowledge about and never got funds back for?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX came to my door and informed me of their promotion. No upfront fees, no install fees, and cost of equipment simply rolled up into the monthly fee of {$78.00}. Plus they would send me {$400.00} in gift cards for signing up and 3 months free. I agreed and said this sounds great. I had no idea that the sales rep was opening up a line of credit in my name with Citizens Pay. The sales rep was unethical in that he should have stated up front that the cost of the equipment is around {$3000.00} and we will need to open up a line of credit in your name. In fact when he handed me his tablet it asked me for my full SSN and I asked him why would you need this and if my credit is going to be run. He said sometimes the system asks for it but don't worry you are already approved to be one of our customers and no your credit is not impacted. He then said he had to put me on video but before he did this he coached me on exactly how to look ( not look away and simply confidently say yes ) He said the jargon used is legal stuff. I didn't pay much attention as I trusted him. A month later I find out I have a line of credit on my credit report. Also he said it would be 3 months free ( I had to call XXXX to fight them on that to get them to set that up, the bill is not {$78.00} but {$89.00} and they billed me for the installation over {$200.00}. WOW! So unethical, deceiving, and he did this to soo many people in my community. I would have never signed up if he was honest and said " look you need to apply for a line of credit in order to pay for the equipment '' So many XXXX violations. I had no clue I was opening a line of credit. I work in banking and I am very familiar with the law and XXXX is willingly breaking the law with their door to door sales practices. Yes I signed everything that was on his tablet because I trusted him and he simply pointed and said sign here so that is why XXXX will not change anything. In fact this sales rep advised me not to call XXXX if I had any questions but to text him for any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: GA

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


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-06-16 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: GA

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


Account name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I use to have a Bank of America bank account until I closed the account due to fraudulent activities as cashing checks that I never wrote, now years later I receive a credit card that I thought I may have applied for I couldn't recall, come to find out it was fraudulently applied for and now Bank of America is saying that my social security is connected to a deceased person. Well I am not deceased I am alive and well and wanting Bank of America to be held accountable for the constant mishandling of personal 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 non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XX/XX/XXXX I went to XXXX XXXX to request assistance with obtaining a modification on the mortgage of my property that had been in default since XXXX. The mortgage company at the time was XXXX, although my loan was initiated with XXXX Bank. XXXX  XXXX advised that the best course of action would be to file bankruptcy while we seek a mortgage modification from XXXX. I entered bankruptcy in XX/XX/XXXX, the mortgage modification paperwork was received by XXXX in XX/XX/XXXX. XXXX denied the mortgage modification in XX/XX/XXXX ( during the XXXX pandemic ) citing income inadequacy. The attorneys set a mediation to appeal the denial. The servicer then allowed me to resubmit the mortgage modification paperwork. I attempted over the course of the next XXXX years ( while still in bankruptcy ) to complete the mortgage modification obliging all requests and never received a response. My bankruptcy ended in XX/XX/XXXX. I made XXXX additional bankruptcy payments for XXXX and XXXX of XXXX. The bankruptcy will be XXXX with a successful completion within the next 30 days. I still did not receive a response and the mortgage servicer declined my modification citing incomplete paperwork. I was informed that the foreclosure on my property has recommenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
The company Sequium Asset Solutions placed a collection debt on my XXXX XXXX credit report. They are saying I owe {$550.00} for a XXXX XXXX XXXX XXXX. This is not my account. I do not have XXXX XXXX XXXX XXXX. I did receive several phone call from XXXX mentioning about the same account. I did speak with them on the phone XX/XX/XXXX. And I told them this is not my account. I was told to call XXXX XXXX XXXX, which I did. They suggested I file a report with Identity Theft Report. I that on XX/XX/XXXX. I have not spoken with Sequium Asset Solutions, but I did do some research on them and found similar incidences to my case. Also I spoke with XXXX today concerning this situation because I received a notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FREEDOM FINANCIAL NETWORK
State: NV

Complaint narrative:
I was with Freedom Debt Relief and they were supposedly negotiating with my three creditors.

They took way too long in the negotiation process, and I should have just forgot about it and handled it on my own.

I do feel due to their tactics they helped me ruin my credit rating which I'm still to this day trying to salvage.

They supposedly negotiated with my creditors, but then in 2022 I unexpectedly received XXXX XXXX forms that I had to let the IRS know I had over XXXX in additional income from those forms causing me to have to refund half of my tax refund check back to the IRS due to those amounts the creditors had given me. 
So needless to say, I felt duped because I thought they had taken care of that for me. 
But they had no problem with giving me a loan to consolidate those balances into a nice XXXX plus in interest just like the banks were doing. So I should have stayed with the banks in the first place despite their compounding interest. 
So I'm not happy with Freedom Debt Relief and wanted this agency to know it.

My present payments are being made to Achieve now. So not sure if Freedom Debt Relief sold them the loan or what.

I am presently looking for someone else to pick up this loan at a reduced rate so I can finally get this paid off.

So I would never recommend this company to anyone and anyone I meet that's thinking about doing this I always tell them my story and ask them to really consider having their credit history wrecked and being told lies about how the process really works. 
So it just makes me feel good to mention this to you because you should be aware of what kinds of debt relief companies are out there luring us unsuspecting consumers into their services. 
I so wish that the company I would have found would have been more heavily and federally regulated so that I would not have fallen prey to these kind of tactics and told they were the norm or the standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I had an XXXX XXXX, issued by Goldman Sachs. XXXX account was hacked and had fraudulent purchases. I had to spend 5+ hours on the phone with apple and gs to try to get the account closed and the charges voided. I was told initially the account is closed and theyll be following up over email for payment. 5 days later when nothing happened I called back and they were not even able to find my case. I tried to close the account again and make the payment and was assured it was closed. After a few more calls/weeks with the same story, I found out my account wasn't even closed and I was being charged a hefty level of interest on this. Still no way to make the payment other than over the phone, which I do not feel secure about. 

About a month later, I finally received confirmation the account was closed. When it came time for payment, I wanted to get the interest reduced. XXXX through the phone call, the representative hangs up on me. When I call back they were struggling to find my case and said they would reach back out. I asked them to confirm over email, they agreed and again nothing. 

This morning I received a call back stating that for interest theyd be able to reduce only {$25.00} of the total sum, bearing in mind I have been trying to pay for over a month. When I said I refused the operator at Goldman Sachs developed a rude and threatning tone. we eventually hung up on each other. 

XXXX and Goldman sachs has some of the XXXX customer service around. The departments are very silod and a request made to one department clearly does not go through to any other departments. I have had to get this card " closed '' with about 5 different departments across the 2 companies to officially have it closed and about another 6 to try to make the final payment and get the interest on the account voided. They refuse to operate over email or any sort of convenient platform, which made my life miserable since I did not have access to my apple account and did not want to read them my bank account over the phone to make the final payment. It is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I rented a car with XXXX XX/XX/XXXX in XXXX, CA. The pickup time was XXXX. I was charged for the car in the class I rented ( XXXX ) and was told to wait. Hours later, they tell me all they have is an SUV. I had a large amount of miles to drive and didn't want an SUV. They told me take it or leave it. The XXXX agent also threatened to follow me home if I caused a problem ( I am not kidding ). 

I called Chase card to content the fact that they charged me for Car Class A and gave me Car Class C. I don't care if it is technically an " upgrade '' because I did NOT want a large SUV for such a long drive. Chase refused to even contest the charge. 

I demand a full credit for the charge. It is completely not what I paid for. I will also be pulling all my money out of Chase, which includes CDs, investment accounts, and family accounts. Maybe Chase should review my call with the agent who told me " well, you took it. '' That is not how you are supposed to treat customers when they are bait-and-switched by a company. Failure to credit this charge in full will be considered an admission of complicit action by Chase to ensure an inaccurate and fraudulent charge is upheld in a customer 's account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I scheduled to have a company come out to conduct a specific service. 
They showed up collected my information and said they needed to leave to get equipment to do the service. Long story short they never came back and I tried resolving this with the company over the phone but they refused to come to the work as outlined on our predestinate. 

When I saw a charge show up on my card I filed a dispute with my credit card company. When My credit card denied my dispute the first time they told me I need more information on XX/XX/2023. I wrote down everything they said I needed and after investigating the matter further I found the company took my digital signature off my pre-estimate and applied it to a charge receipt. 

I filed a police report and reached back out to capital one informing them of the new information. Capital One gave me wrong information through out the process on how to handle this dispute then denied my dispute. They protected the company committing the fraud and not their customer. 

They told me to take it up with the police or other means. I find this to be criminal on their part as well for facilitating this criminal activity by doing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: GA

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

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: GA

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

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Account name : XXXX Account number:XXXX  Account name : XXXX  Account numberXXXX Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief