vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
My {$4900.00} in the CashApp has been stolen by CashApp. I filed a complaint against CashApp with FDIC and yesterday FDIC responded that my {$4900.00} are held by a Financial Institution called Block Inc and that I should approach CFPB to recover my funds from Block Inc. My FDIC Case # is XXXX. My phone # is XXXXSee the attached response from FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: IN

Complaint narrative:
There is a Carmax on my credit report that I did not authorize nor do I have ANY knowledge of it. I tried disputing it on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: AZ

Complaint narrative:
I've found multiple fraudulent accounts on my credit report and have tried to correct with the credit reporting agencies. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Billey Act, and RICO. The following accounts and hard inquiries are fraudulent and I demand their removal from my personal credit report. 

Disputed - Hard Inquiries XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) Disputed - Accounts XXXX XXXX - {$40000.00} XXXX XXXX XXXX XXXX - {$990.00} XXXX XXXX - {$650.00} XXXX XXXX - {$260.00} Disputed - Account Numbers XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Thank you for your help in protecting my federally protected consumer rights.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Pursuant to 15USC 16802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with se It is the bureau 's responsibility to report accurate information ONLY, this account is listed twice with different account information, if it is for the same account how is that possible. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates. REMOVE IMMEDIATELYction 6803 of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
I have been working with nations direct mortgage for the past XXXX  months. I have had the worst experience. I was advised that I was approved for a modification. And then there was no follow up from anyone, including many managers. When I finally was able to get with someone they stated that I would have to start the modification process all over because their agent submitted the wrong application. This company has no interest in helping clients experiencing any type of hardships, all they care about is collecting XXXX to process your payments. Someone needs to review their procedures and ensure they are following the guidelines properly for FHA loans. They have had XXXX complaints reported to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: CL Holdings LLC
State: IL

Complaint narrative:
XXXX and XXXX are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. they use automated response system XXXX  to keep on fake verifications 1st entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] [ JEFFCAPSYS XXXX  2nd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX  XXXX XXXX entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX/XXXX  XXXX With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ). 
This accounts were paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was scammed on XX/XX/XXXX. I made two purchases and never received the items. Disputed via Cash App and they told to wait 14 business days and wait for a resolution but they only focus on prevention not recuperation! I then filed a complaint with my bank who also denied the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Company has consistently refused to provide monthly statements, either mailed or electronic. Users are unable to view anything other than a balance when accessing their online 'portal '. Calls to customer service reps have resulted in being told that they do not provide statements to their customers. 

I wasn't event provided with a complete account number when I was approved for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: AE

Complaint narrative:
Company refused my SCRA request under Louisiana State Law RS 29:312. Military Contract and Proof of Home Of record was mailed to company and still refused to comply with State Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: GA

Complaint narrative:
I sent letters to all XXXX  credit bureaus ( XXXX, Equifax, and XXXX ) requesting inaccurate information and accounts be investigated to prove accuracy. As of today XX/XX/2023 i have not received any communication about these accounts or if the investigation process has started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion and XXXX are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. they use automated response system E-Oscar to keep on fake verifications 1st entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] [ XXXX XXXX 2nd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX  XXXX 3rd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX XXXXXXXX With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ).

This accounts were paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one quick silver card I had since 3 years and was using without problem ; but to my surprise recently XXXX & XX/XX/2023 there was {$33.00} & {$31.00} interest charges @ 29 %. I was out of country and didn't check the statements. I called cust service even the supervisor but very disappointed and looks they don't care for good customer service- denied to credit any of the interest charge even I made statement bal pmt of {$1400.00}. Never had this problem with other cards. XXXX is best in cust service and XXXX cards are good for when you have a request to credit either interest or late fee charges. 

So for me capital one first time interaction with this was not good and totally bad customer service. Will cancel my card and will never get in future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates is reporting to the credit bureaus. Balance of {$1800.00} and {$3400.00}. I reached out to the creditor via certified mail twice end of XX/XX/XXXX and in XX/XX/XXXX with a cease and desist, I have never signed or opt in or given any kind of written instructions to do business with them, I have never agreed to have them report any of my personal information to a third party ( credit bureaus ). I have no business with them whatsoever. With my written communication I requested they provide a Creditor Statement, individually and completely with factual evidence, also including but not limited to a complete forensic accounting of all accounts, Form FR2046 ( showing the original balance sheet ), an IRS form 109901D which will identify who the principal funds originated from a Full File Disclosure as well showing a wet signature of me doing business with them. They in turn sent me a letter asking me to call them. I sent them an additional letter stating that I wish all communication to occur in writing and to provide a full file disclosure. It is now mid XXXX, they still refuse to comply with FCRA laws to remove their reporting to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I opened an account with Marcus on XX/XX/23 the promo was earn a XXXX bonus after funding account with at least XXXX from an external account. I funded the account on XX/XX/23. I reached out to find out when i would receive the XXXX bonus, was told it takes 15 calendar days. I reached out again today and was told that the XXXX bonus would not be added until the account maintained open and funded for 90 days. 

This seems deceptive, i understand that if i took the money out before the 90 days I would not be entitled to the XXXX bonus, but i was under the impression that the XXXX could be added after 15 calendar days and I would be earning interest on that. 

I contacted the chat option on the website, and that was explained to me after I suggested that I contact your organization. 

I know contacting your organization is not going to get my XXXX bonus any sooner, but I feel that it was not spelled out explicitly of how and when the bonus would actually be realized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 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: 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 XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-02-16 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 XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX 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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had a payment due for my credit card on XX/XX/XXXX with the statement balance being {$320.00}. I had scheduled a payment on XX/XX/XXXX for the full statement balance and received an email confirmation stating the payment was scheduled. On XX/XX/XXXX at XXXX I had received another email from Barclays Card stating the following : " Thank you for your recent payment Hi ( MY NAME ), Were confirming your recent payment of {$320.00} was posted to your AAdvantage Aviator XXXX XXXX XXXX Mastercard account on XX/XX/XXXX. 

To review all your payment activity, please log in to your account online and select Payments. 
View Payment Thanks for choosing us. " Upon receiving this email confirmation I assumed everything was good to go. On XX/XX/XXXX, one day after my payment due date, I signed in online to check my account and discovered that the payment was not in fact actually applied. With the apparent reason of them being unable to locate the bank account. Which I find unusual as I could see that the routing number was correct and the last 4 digits of the account were also correct, and as you have to enter the account number twice I find it highly unlikely that I entered the first 4 digits of the account number wrong, and no other credit card company has issues drafting money of my account. Upon discovering this I made another payment on XX/XX/XXXX with another account. I then contacted support and expressed my grievances about the system. Since it was one day late it triggered an interest charge. Support agreed to waive the interest. Upon checking today on XX/XX/XXXX, I am now being charged residual interest in the amount of {$20.00} and they refuse to waive it. My biggest complaint is that they sent me a misleading email saying that my payment was applied when it wasn't. They claim that they sent me a letter dated on the XXXX. However it didn't arrive till the XXXX, which would have been way too late to address the issue. They didn't send me any email notification that there was a problem otherwise I would have fixed the issue the same day. Instead they just wanted to wait and charge me interest so they could collect more money. So through no fault of my own I am being penalized because of a system error, which is not my fault. Again had they not just sent me an email stating that my payment was applied I would of known to check my account, or even if they had sent an email stating that there was an issue I would of checked my account, and made another payment and all of this would of been avoided.

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 monetary relief
Consumer complaint received 2023-02-16 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: AZ

Complaint narrative:
I've found multiple fraudulent accounts on my credit report and have tried to correct with the credit reporting agencies. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Billey Act, and RICO. The following accounts and hard inquiries are fraudulent and I demand their removal from my personal credit report. 

Disputed - Hard Inquiries XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX  ( Bank ) XXXX XXXX ( Bank ) Disputed - Accounts XXXXXXXX XXXX  - {$40000.00} XXXX XXXX XXXX XXXX  - {$990.00} XXXXXXXX XXXX XXXX  {$650.00} XXXX XXXX XXXX {$260.00} Disputed - Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help in protecting my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: AZ

Complaint narrative:
I've found multiple fraudulent accounts on my credit report and have tried to correct with the credit reporting agencies. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Billey Act, and RICO. The following accounts and hard inquiries are fraudulent and I demand their removal from my personal credit report.

Disputed - Hard Inquiries XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX ( Bank ) XXXX XXXX ( Bank ) Disputed - Accounts XXXXXXXX XXXX  - {$40000.00} XXXX XXXXXXXX XXXX XXXX - {$990.00} XXXX XXXX  - {$650.00} XXXXXXXX XXXX XXXX {$260.00} Disputed - Account Numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help in protecting my federally protected consumer rights.

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 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent letters to all XXXX  credit bureaus ( XXXX, XXXX, and Transunion ) requesting inaccurate information and accounts be investigated to prove accuracy. As of today XX/XX/2023 i have not received any communication about these accounts or if the investigation process has started.

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 2023-02-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent letters to all XXXX  credit bureaus ( Experian, XXXX, and XXXX ) requesting inaccurate information and accounts be investigated to prove accuracy. As of today XX/XX/2023 i have not received any communication about these accounts or if the investigation process has started.

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 2023-02-16 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I leased a car from Mercedes Benz in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation