vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have been trying to dispute {$2700.00} dispute transaction since the day that I was originally discovered him on my account. I have sent multiple emails and calls about these massive amounts of money. I can send whatever proof I need to send to support my fact that that money was stolen from me. i would like to dispute it and refund my money. i would like to dispute it with XXXX i filed a police report, fraud investigation report and notified dof and the attorney state general as well as XXXX prosecutor office. i really need to dispute these charges. the money in my account was for school. it is XX/XX/XXXX and my very last semester. i can have my school testify to that as well. this is really important and i have worked too hard to be this close, please if there is any way i can have this taken off my account i will do it. i have all the evidence to support that my money was wrongfully taken. i was desperate to get what i needed for school. i paid under the impression they would give me what i had in my account. they didnt. that is the company XXXX  so can i dispute it with them? please if there is anything anything anybody anything i can do to recover what was taken from me. i will do whatever and send all the proof i have to whoever needs to see it to put my money back so i can finish please help me or please do anything to dispute this transactions and recovery my money. 
This email message and its attachments are for the sole use of the intended recipient or recipients and may contain confidential information. If you have received this email in error, please notify the sender and delete this message. I had XXXX and I believe XXXX stolen from me and I'd like my money back asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 I made a transaction on cash app for XXXX to a wrong recipient. I contacted the cash app immediately and followed all directions to receive my money back to no avail. Hence then my money continues to sit in a pending status even after I contacted the customer service and support service several times pertaining this transaction. They still refuse to provide me with an effective solution outside of me contacting the recipient in which I have no way of doing. Im on social security and I believe that they are taking advantage of me and will not give me any recourse to receive my funds back. I really need help with this because I am on a fixed income and can not afford to lose XXXX dollars for a mistake that caused me hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act The following accounts : XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, Dept of ED/XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX, Dept Of EDXXXX  account number XXXX XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, They all have all violated my rights under the following ; 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.

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 2023-03-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted disputes but never received a response. It's been longer than 30 thirty days and nothing has changed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Money transferred was a scam and would like it returned based on reasons uploaded in document. This references the complaints made in early 2022 with the CFPB. These complaints centered around fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
In XXXX of 2022 and XXXX 2022, Chrysler Financial used abusive tactics in violation of the FDCPA by specifically using and auto dialer and leaving automated computer voice messages after I specifically asked them to stop via the company portal in writing. They persisted and ignored me. I never signed any document giving them permission to use these methods, the message even says, this is a recording. I have sent a certified letter about this, they do not understand what they did wrong. I have the audio messages but do not think it is allowed file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not delete them, nor prove validation. XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: NJ

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 : XXXX XXXX XXXXXXXX, Dept of Ed 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 right to privacy.

15 U.S.C. 1681 section 602 a Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items 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 2023-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Since I've made previous complaints about Truist and their lack of accessibility, I believed they would do something to make their services accessible. Alas, they have not. Even their " accessibility '' page does not provide an accessible means to contact them. I want to pay off and close my HELOC but can only do that by phone or by visiting a branch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I can't go to a branch. I have attempted to get Truist to respond via XXXX and XXXX messages. One XXXX message still has not been responded to in over a year.

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 2023-03-13 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
15 USC 1681 section 602 states i have the 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
On today I received a letter in the mail by Credit Collection Services, XXXX XXXX XXXX, XXXX, MA. XXXX saying that I own the creditor who is XXXX XXXX XXXX XXXX. XXXX. XXXX in the amount of {$140.00}. They want me to pay a discounted amount in the amount of {$56.00}. I today called them, and told them how can I own XXXXXXXX XXXX XXXX XXXX XXXX XXXX when the COMPANY XXXXXXXX XXXX XXXX XXXX XXXX  XXXX sent me back a check for over payment because I paid them off in FULL with an over payment. This debt collector has broken the LAW of the Fair Credit Billing Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act. I am so tried of hackers getting my personal information of companies sharing my information and damaging my credit and life. This is and should be be totally illegal. I have a frozen all of my information and hackers are still using and getting information from companies who are sharing people information worldwide this is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: FL

Complaint narrative:
XX/XX/22 called all three reporting agencies and they refused to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rosebud Economic Development Corporation
State: NC

Complaint narrative:
I have received multiple emails from the debt collection agency where they are telling my settlement account is {$1000.00}. Total Amount Due {$2000.00} with an invoice date of whatever date they are sending me the email. The original amount was {$600.00}, with a balance of {$590.00} My credit report is only showing {$1000.00}, not {$2000.00}. This debt collection company has sent multiple emails inflating the total amount due. They are also repeatedly showing the debt as a NEW debt every month.

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 2023-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act the companies have violated my rights 15 USC 1681 Section 602 states i have the 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 1666B : A creditor may not treat a payment on a credit card account under an open amend consumer credit plan as late for purpose..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I have filed disputes regarding the late payments from on my BMW Financial services account. They are saying that a payment was not made but in fact a payment was initiated to them. This inaccurate reporting is affecting my score by XXXX points. This is my last and final attempt to have BMW financial correct the 30 day late before I have to pursue legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had a debit card with " Cash App, '' who holds a balance in an app on my phone. The card draws funds from that balance. If any problem occurs, you can chat with a robot. If you get frustrated with the robot, who recommends articles that can't help you, they transfer you to someone who does not speak english, and who attempts to delay, frustrate, and deny any assistance. 

You can not call anyone, they always say that you will get an email to solve your problem later. The emails are form letters that never help you or even try to understand what your problem is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Bridgecrest is violating the law with misleading practices, unfair debt collection. 
15usc1692 Committing fraud with down payments 15usc 1605 Violating the law by giving my information to third party without my consent 15usc 1605 unlawful finances charges

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 2023-03-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted disputes but never received a response back. it's been longer than 30 days

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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received notification in the mail for two alleged debts for {$820.00} And {$1100.00} by and RESURGENT RECEIVABLES LLC and XXXX XXXX I have no contract and I have never given my social security number nor my personal information to this company ; nor do I have any financial obligation to both companies, so I requested debt validation and sent a cease and desist. The notices were sent certified mail with return receipts signed by an agent of both companies. I never received debt validation, nor did they cease and desist until the debt was substantially validated. 

This company purchased a charged off debt, they are not a party to the original transaction and have no rights, title or interests to collect on the alleged debts. They have not provided a bill of sale or a bill of assignment. The mere fact that this company is trying to extort me for monies will and should be punishable under title 18. 

RESURGENT RECEIVABLES went and obtained my credit report under false pretenses because I never applied for any goods or services with that company. Resurgent Receivables have violated federal and state laws listed below FDCPA, FCRA, TITLE 18 and TITLE 39 *18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

*39 U.S. Code 3005 - False representations ; lotteries ( a ) Upon evidence satisfactory to the Postal Service that any person is engaged in conducting a scheme ( d ) Matter otherwise legally acceptable in the mails which *39 U.S. Code 3001 - Nonmailable matter ( a ) Matter the deposit of which in the mails is punishable under section 1302, 1341, 1342, 1461, 1463, 1715, 1716, 1717, or 1738 [ 1 ] of title 18, ( d ) Matter otherwise legally acceptable in the mails which ( 1 ) is in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due ; but ( 2 ) constitutes, in fact, a solicitation for the order by the addressee of goods or services, or both ; ( A ) the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: TX

Complaint narrative:
XX/XX/XXXX, {$710.00}. 

Per the attached information received from XXXX XXXX XXXX ( see attachment 1 ), in an attempt for collections XXXX XXXX XXXX is reporting erroneous date opened information of this fraudulent account as well as the date of last activity of this fraudulent account. The documentation from XXXX XXXX  XXXX states this account was opened XX/XX/XXXX, and last payment was XX/XX/XXXX. However, XXXX XXXX XXXX is reporting to the credit bureaus of this fraudulent debt date opened XX/XX/XXXX ( attachment 2 ). This is a violation of the FDCPA Fair Debt Collection Act. XXXX XXXX  XXXX is reporting inaccurate information about this debt age and status and/or re-aged the status of this debt as well as misrepresentation of the judicial status of this debt. I do not own this debt and have no knowledge of this debt until recently XXXX. In addition, this is unfair or unconscionable means to collect this debt which is illegal. Therefore, please delete this account from my Experian credit report immediately ( see attachment 2 ).

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
I have a BP me rewards Visa issued by First National Bank of Omaha whose rewards I cash in when I receive the bill for a statement credit and then pay the remainder in cash on the due date. Although the credit shows on my next statement as being applied along with my payment, I have been getting charged interest as if the entire monthly bill has not been paid. I have other credit cards that I do the same with and have no problem with it, as they properly apply the credit as a partial payment toward the balance and then credit the remaining amount when it is paid on the due date. 

I have been unable to resolve this and have closed my account, but want others to know that they are not operating in accordance with the XXXX XXXX XXXX XXXX in crediting accounts when transactions are conducted. 

The uploaded relevant portions of my previous bill showing several transactions that are actually in excess of the previous balance all paid prior to the XXXX XXXX due date.

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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
The original creditor is Comenity Bank whose debt I've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting Comenity Bank which continues to re-age the account and continues to present this account MONTHLY to the EACH of the Credit Bureaus. The statute of Limitations has been violated. The customer also repeatedly attempted to CALL back to back several times a day. Then it stopped.. Then the account showed as a NEW Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
I have tried to dispute inaccurate late payment directly with Harley Financial services. They are continuing to report incorrect information. Please see attached file for review.

Company response to consumer: Closed with explanation