vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Square , Inc. 
Attn : Cash Disputes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX RE : You froze my account without a writ of execution and in violation of XXXX XXXX & XXXX. 

To whom it may concern : I am demanding the immediate release of my {$2500.00} balance in my CashApp account. You have frozen the account unlawfully, causing me not to have the funds to purchase essential medicines, pay for utilities, pay for auto insurance, life insurance, other auto expenses and notes and contributed to stress so great that I do not believe that I will survive XXXX more moment. I have advanced XXXX, XXXX, XXXX XXXXtc. 

On XXXX, XX/XX/2021, my associate transferred {$2500.00} to my CashApp account and we each transferred a total of {$2.00} into the account for test purposes. From that moment, we have not been able to cashout even {$1.00} and I could not refund the payment to my associate. After frustrating and failed attempts to get answers from your support app and personnel, I received an email yesterday, XX/XX/2021, stating that you had frozen my account due to your receipt of a XXXX filing that asserted I had a secured interest in a debt. I have explained to your personnel why your actions were impermissible, to no avail. Let me list several reasons : o New CA law ( XXXX XXXX ) requires CashApp to exempt the first {$1800.00} in my account from private creditor garnishments, with no need to go to court. You failed to execute that law, freezing my entire account. 
o You also violated CCP 704.22, per my explanation of my living expenses that are going unpaid. 
o You froze my account pursuant to a mere document from a creditor. That is impermissible under CA law. You must be served with a court-issued writ of execution by the XXXX before you can freeze my account or remove funds from my account. That procedure ensures due process, the accuracy of the creditors claim, etc. 
o I have informed you and the creditor that the UCC filing they presented to you is in error, that I have no secured claim with the creditor. 
o I have informed the creditor that its errors in the filing and the fact that it forwarded the erroneous document to third-parties to harass and intimidate me are violations of the Fair Debt Collection Practices Act, subjecting it to damages under XXXX of the Act. 
o You are participating in an illegal debt collection activity, and have violated multiple laws to seize my money, giving rise to additional violations of the Act by you, as well as the torts of negligence and conversion. 

I am demanding the immediate return of my {$2500.00} to prevent further unlawful injury to my family, my business interests and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I went into a consumer credit transaction with Chrysler Capital on XX/XX/2017 in good faith to get household goods for my family. With my ignorance to the federal consumer law and trust in XXXX XXXX contract I was taken advantage of with the terms of the contract. I used the CFPB website and looked at Regulation Z which is the Truth in Lending Act and I see that when entering a credit transaction you're responsible for the finance charge and that is the dollar amount the credit will cost you ( XXXX Finance charge ) the finance charge was {$7700.00} and I paid {$10000.00} which is more than the finance charge. I also noticed that the transaction was suppose to come with credit insurance unless I declined the option and Chrysler Capital say they don't offer that which not following the Truth in Lending Act as they say they do. The finance charge also says It does not include any charge of a type payable in a comparable cash transaction but I was told to put down {$3200.00} as a down payment and they deduct the down payment from the total cost they actually added the {$3200.00} to the total cost which is just criminal on their part. Regulation Z also gives you a right to rescission in section XXXX which allows the consumer until midnight of the XXXX day to cancel the transaction but with Chrysler CapitalXXXX contract it say no cool off period meaning if you sign the contract you can't cancel and that is another violation of the Truth in Lending which makes them civilly liable for double the finance charge. I sent a complaint to this company in XXXX using title XXXX chapter XXXX and they responded with my claims didn't apply to auto loans but its a credit transaction that I applied for and it says it on the contract. Since then I have found violations of the FDCPA that this company has violated as well and I have them attached to this complaint. I am filing this complaint because Chrysler Capital is still reporting this account as negative to my consumer report and they sent an unauthorized person to my home the steal my vehicle and knowing that I was only responsible for the finance charge which means the vehicle was paid for. This action by them has put me and my family in a financial crisis because we're unable to get and house hold good by credit because Chrysler Capital has ruined and is continuing to ruin my reputation the have even sold the account to a company named XXXX and they're are reporting to the consumer reporting agencies as well I want to settle this matter here because they have caused me and my family too much injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, there is still a remaining inquiry that is reporting on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenity Bank ( Victorias Secret ) has refused to remove the late marks on my credit. 

I had been told they were deferred due to XXXX and me not working full time hours due to XXXX i did defer them. With that being said, the last week or so that I have spoke with people about this issue I have heard 3 different stories.

I was first told they could only defer them for 2 months, then i was told they could defer them for 3 months and lastly was told I could defer them for 12 months. Regardless of them not knowing what is even going on within their own company, every month I called in, just as I always have to make payments and was told it was still " deferred ''.

Im going to relate this to my own life experiences. I help manage properties and during COVID we did have to allow the rent to be deferred. With that being said, I, myself, kept up with who had deferred rent and how long. That was my job, as it was Comenity Banks job to assure I paid my payments. With that being said, after the second or third month of deferred payments, if they were no longer deferred they should of let me know. Because each month i called in i only got " your payments are deferred '' I never received an email or letter. 

Now on to the next scenario. After i had paid my account in full in XXXX of XXXX, I was still being charged late fees til XXXX. When i confronted them they had no idea why i was even being charged those. So now i feel as if Comenity kept charging me for late fees or pentalizing me for things that was not even relevant. I can attach those to this email. 

All in all my experience with this has been unfair, from the beginning. I am not asking for a refund, I just simply want the late marks removed from my account because i feel as if i have been treated poorly from them and been overcharged in more ways than XXXX. If i had not paid off my Credit card and seen i was still being charged afterwards i would have never noticed the extra {$40.00} being charged to my account every month. 

Long story short. Months XXXX XXXX and XX/XX/XXXX ' ( which i did make a payment in, ill attach that as well ) were all suppose to be deferred from my understanding. It was Comenities job to assure i was aware my deferment period was over, considering ive been told several different things in the last week about deferment and how long it was suppose to last, i do truly believe there is too many people unaware of the jobs they are doing there. 


Attached is the XXXX payment, as well as the XXXX payment which I was paid off, then you see i was still being charged even after

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: MD

Complaint narrative:
On XXXX XXXX,2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
I have reached out to Lexis Nexis via mail and Portal complaint. I thank Lexis Nexis for responding via CFPB complaint because not only have you violated me personally through selling my personal information you had no authority/authorization/Consent in selling, but you have also violated me publicly as well. Via phone for the date XXXX you stated, that you spoke with me and resolved this matter. False and misleading because I never spoke with anyone from Lexis Nexis. Your records will be subpoenaed for that date to prove how corrupt your company is. The email you state you sent but did not receive a response of identification verification from me, shows all my documents replied through successfully. My documents included drivers license, current utility bill and social security card. Lexis Nexis entire response and reporting is predatory, even with federal laws in place they still take the chance to violate consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I paid a mortgage off in full on XX/XX/2021. 
Address : XXXX XXXX XXXX XXXX # XXXX To date, XX/XX/2021, the mortgage servicing company has not filed the cancellation of Security deeds. ( SHELLPOINT MORTGAGE SERVICING ) This means that I do not have clear title to the property. 

I am trying to sell this property and have an all cash buyer. 
The closing date was scheduled for XX/XX/2021. 

However, I have been unable to close on the property because the mortgage servicing company will not file the cancellation of security deeds I have tried on numerous occasions to contact the company. 

The mortgage servicing company, SHELLPOINT MORTGAGE SERVICING COMPANY, has been non responsive to emails and telephone calls from me, as well as emails and telephone calls from the closing attorney who is handling the sale of my property,,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
This is concerning a loan at Americas Car-Mart . Purchaced a XXXX XXXX XXXX, vin # XXXX on XX/XX/XXXX with high mileage of XXXX, XXXX for {$8900.00}, a service contract for {$620.00}, service and handling fee {$35.00}, a debt cancellation agreement, with {$400.00} down pmt. Financed amount for total of {$9800.00} with an interest rate of 16.50 % ( {$2400.00} ) total of {$12000.00}. Weekly payments of {$85.00} ( XXXX ) that start XX/XX/XXXX and end XX/XX/XXXX. On XX/XX/XXXX the vehickle was reported stolen to XXXX XXXX XXXX XXXX. Incident report # XXXX. Report was available on XX/XX/XXXX and taken to Americas car-mart at XXXX XXXX XXXX, XXXX, ark. XXXX, and given to the clerk XXXX XXXX to make a copy for XXXX and XXXX XXXX, finance officer and manager. She told me to continue making pymts and had me sign an arrangement which I contested and argued about the debt cancellation I purchased which was for this protection if it was stolen. She never got back to me to tell me if I was covered and so I called and she said that they were not going to honor it based on that I was trying to sell it and it was suspicious and I said that I meet all the criteria and reporting for this agreement. I was getting my credit repaired and back to. A good rating when I saw they reported it to credit and listed as derogatory not paid. I called home office in XXXX and they were going to investigate and never got back with me and screened me out. I reported to XXXX online to mediate this and get it off my credit report. XXXX months passed and I recieved a letter from XXXX XXXX hospital security that I needed to move this vehickle that was stolen, I called car-mart and they went and got the vehickle, auctioned it off and added to what they say I owe of amount {$5900.00} now {$6400.00} and have it listed on my credit as a Repossession!!! I am enraged and cant believe e the nerve. I had XXXX months of pymts left. If they arent going to honor an agreement they pushed on me and not even refund that amount from what was owed and sell it for nothing to make sure of a debt, is discerning. This company has a triple XXXX rating and have forums that range in the thousands for customer complaints. I dont know how they can be in business with high interest, unhonored agreements they push that cost me {$1100.00}. I just want them to clear my credit and pay for the damage and loans I cant get because of this. I have read about other class action claims one called XXXX, XXXX Tx. Cant remember other one that is exactly the same thing that was done for gap. They think that no one because of poor credit is why you buy from them, and I hear they only submit some to credit bureaus and try to keep you down if they feel you may sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My account got closed and I still havent received a check been trying to call and leave voicemails no one has gave me answers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On Tuesday, XX/XX/XXXX at XXXX pm I received a text message from Wells Fargo fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX XXXX XXXX XXXX XXXX Text Message Tuesday XXXXXXXX XXXX Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or XXXX To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is Wells Fargo customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX XXXX said he was calling with Wells Fargo fraud prevention on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXXXXXX XXXX  XXXX XXXX XXXX WON'T CALL for this XXXX XXXX, Enter : XXXX. Don't share! Reply HELP for help, STOP to end msgs. XXXX XXXX XXXX rates apply. Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your XXXX XXXX  account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Text Message I immediately called back Wells Fargo at XXXX and filed XXXX fraud claims realizing I had been scammed. Wells Fargo has since denied my claims. Since XXXX XXXXXXXX was the receiving financial institution I have to file with them. However since I do not bank with XXXX XXXX they wont do anything for me. So this is my last attempt at fighting this. All my money is gone and Im broke. Please help

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 2021-11-24 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: IN

Complaint narrative:
On XXXX XXXX,2021 I contacted Experian to inquire about several inquiries placed on my credit report. I spoke with a rep who looked into the inquires and discovered they were fraudulent. The rep also discovered a credit card had been open in my name from XXXX XXXX XXXX. The rep indicated she would dispute inquiries and fraudulent accounts. She also indicated she would place a fraud alert on my report and I would be contacted if someone attempts to open credit. The fraud alert was placed and the other XXXX bureaus were notified. On XX/XX/XXXX I was notified again through my credit alerts two more accounts were opened on my credit report. This time it was a company called XXXX. The company had opened an installment loan as well as a credit card. I immediately called Experian and notified them that this was fraud. I explained to the rep that a fraud alert had been placed on my credit profile. I also explained that no one had called to verify anything and that accounts were opened without my knowledge or consent. The rep said he would dispute accounts and I would hear back. Fast forward to the first week of XXXX after not hearing back from Experian for almost close to 30 days they claim to have verified accounts that were opened without my consent in which they had a fraud alert and I was never contacted about opening any accounts. I contacted them yet again and rep said they would dispute it again. On today XXXX XXXX, 2021 I was notified that the accounts were verified again. Experian did not investigate this matter. Experian dropped the ball by allowing accounts to be opened with out verifying my identity prior. Experian is attempting to cover up there mistake but making these accounts valid when they are not. Please take action immediately.

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 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
My mortgage company, XXXX can not explain why there is a fee of {$1500.00} that no one can explain to me. This amount just showed up my latest statement. Please see attached. 
I have a serious problem because I have been approved for the Lead program, Weatherization program, and a grant to assist me with repairs. 
The XXXXXXXX XXXX XXXXXXXX will not continue with my application because of these fees assessed on my statement. The weatherization folks came out and determined that I need a new heating system but can not do the work until the City signs off on my application. 
Your immediate attention regarding this matter is greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CT

Complaint narrative:
on XX/XX/XXXX i mailed and digitally submitted the XXXX bueras  my identity theft report about accounts and inquires on my account and nothing has been done its been XXXX  days since. they are breaking the law please do something

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