vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX I made the decision to close this credit card after numerous issues with Prosper Card issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a third party app called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the Prosper Card app or website for current account balance and to make debit payments from my XXXX XXXXhecking account as payment to Prosper Card. This lender also does not accept payments pushed from my bank to them via billpay. I should also mention that auto pay was set up on this Prosper account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX XXXX  and my numerous attempts to get answers from Propser, it appears that when I revoked permissions via XXXX this lender automatically stopped sending ACH debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the ACH clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: DC

Complaint narrative:
LexisNexis has old information on me that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: IL

Complaint narrative:
I have my Mortgage through XXXX XXXX XXXX. I called them the early part of XXXX when I received a letter about mt Escrow shortage. They explained to me that I will have to call my old insurance company myself to request the money back that my mortgage company paid when I had found another home owner insurance company. However, I called and requested the money back from me mortgage company that had paid them from my escrow account. I have now been calling them since Saturday XX/XX/2023 until current today XX/XX/2023 to put money back into my account to get my payments back low. The website was down all this time, the call center was closed and a recording stated the no one can access your loan information at this time due to a system outage please try again later. Noone from this company sent out any notification to the customers and they just left everyone in limbo. I finally received and email today stating the website is back up and running. I tried to call again today and no one is still answering the phones they keep hanging up like it's after normal business hours. This is not professional at all when it comes to someones home and not knowing what's going on and can't talk to anyone from a big financial company as XXXX Loancare suppose to be. I'm not sure how and when I can speak with someone to get my issue resolved and taken care of. I have no other choices because it feels like my mortgage company shut down with no other options made available to there clients. Someone needs to address this and someone needs to be held accountable for some nonsense like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: UT

Complaint narrative:
On XXXX XXXX my account with net spend was hacked. Over XXXX dollars was fraudulently removed from my account. The hackers were able to change all of my account settings. Multiple phone calls to Netspend produced very little help. Eventually my password and pin was changed. Two disputes were made for the charges. First update was for XX/XX/XXXX. The bank did not provide details as why the disputed amount was not placed back on the card. On XX/XX/XXXX my direct deposit as well as a portion of the orginal dispute was in the account. At XXXX XXXX i received a fraud alert for a XXXX dollar charge. I tried calling the bank because I had been locked out of my bank app. The hacker managed to change the account settings. By the time i was able to stop hit. Almost XXXX dollars had been removed from my account. The first time the bank said they had compromised my card. So we canceled the card and had a new one sent. This time, the actual checking account was compromised. This has happened within three week ofthe hacks. The bank has not provided me with anything as to why this continues to occur. I have to leave the account open while i wait for the disputes to finish. I know this bank had a data breach a little over a year ago. It appears this bank is not consumer friendly and is very slow on information getting back to me. each time it has taken days to get my account unblocked so that i can see the charges that occured. I know that by regulations the bank has 10 days from the dispute date. However, with my account being hacked twice in three weeks this has put me in a very dire financial need. Both hacks have been charges in states that i have not been in. So realistically there is now way for me to be in those states when i am using my card in my home state. Like said, Netspend as a bank is failing its customers by not protecting them from these online hacks. I have dug through my online accounts, scanned my phone and tablet. I have reviewed my XXXX and XXXX  profiles. None of those have showed information hacking. I need a government agency to step in and help. I need to know how these hacks are occuring. I know there has to be a way to track this problem. I need Netspend to step up and protect its customer. And i am not seeing that happen. I have know doubt there has to be other netspend customers having the same issue. This needs to be addressed.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
XXXX. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE 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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/23 I woke up to see that I had a cash app charge for XXXX XXXX  deducted from my bank account. I contacted cash app yesterday and talked to someone on their chat and all the person told me was to basically contact my bank. They were no help to me what so ever. I turned off my card and reported my card for fraud to my bank. Around XXXXXXXX XXXX XXXXXX/XX/23 I had XXXX declined transactions from cash app from somone trying to get XXXXXXXX XXXX from my account because I had turned off my card, both transactions were declined thank goodness. The scammer made a cash app with my name and information so, that it would look more legit. I do not have a very popular name so, when you search my name on cash only XXXX people with my name pop up. One of the accounts with my name was created only two days ago so, its easy to figure out who the scam account is. I reached back out to cash app XXXX XXXXt and I was not very happy to say the least because I reported the account that I believe was stealing my information and cash app still did nothing to shut the account down. Cash app gave me a vague answer that someone would contact me by email ( I still haven't received an email from them ). My bank was able to credit the XXXX XXXX  back to my account and do the right thing unlike cash app. This app needs to seriously be shut down for fraud. Its absolutely digusting that a scammer can easily make an account in someones name with just their debit card information. Cash app does nothing to verify identity like asking for an ID and a selfie. Cash app has several complaints on the XXXX website as well going back several years. Cash app has known that its app isn't secure and that it allows scammers to basically run the app. I'm grateful they only got XXXX XXXX out of me but it breaks my XXXX to think that someone XXXX  on a fixed income has lost several XXXX  due to this app and now they can't pay their rent. Something needs to seriously be done about this app. It should be illegal for this app to still exist since they allow fradulent activity to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
I sent a letter in XX/XX/XXXX to First Credit Services requesting to validate the debt listed on my credit report. They sent me a letter in response in XXXX, they were unable to do so, but have not removed the debt from my credit. 

They have called me in the past and I clearly stated I ended my membership in person to the gym and did not owe any money. The gym wanted to charge me for personal training services in advance in XXXX because COVID began scaring off patrons. I cancelled my personal training services due to the uncertainty. They went ahead and charged me anyways. I told spoke to the manager and he stated they would resolve it. Instead they sent me to collections. 

I am now dealing with a debt collector who can not validate the debt at all and will not remove it from my credit. 

I will send another letter however it has been 3 years of me attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was traveling by car with my new debit card on XX/XX/2023. I got gas in the Amount of {$100.00} even. The following day I noticed my account was {$1400.00}, short. Two separate claimes, {$340.00} plus {$1100.00}. In review I noticed there had been several online unfamiliar and unauthorized online charges. I immediately called Navy Federal to report and open a claim. The charges were reversed pending investigation. 

On XX/XX/2023 the charges were added back to my account. I called Navy Federal and I was told the claim was denied. I ask for an explanation and supporting documentation. I was told their was no documentation they could give me. I also wasn't given a reason for the denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied a XXXX XXXX credit card from Synchrony Bank on XX/XX/2023. I used the promotion link which I indicated that I would receive XXXX XXXX XXXX miles after {$3000.00} spending in first 3 months. I met the {$3000.00} spending requirements within 2 months, and received the credit card statement which stated I would receive XXXX XXXX XXXX XXXX  on XX/XX/2023. But I have only received XXXX XXXX  until XXXX. I made XXXX phone call with the customer service, they said the XXXX XXXX XXXX XXXX  will post to my XXXX XXXX account on XX/XX/2023, but it was not posted until today.

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 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: OK

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't and never ever sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
A purchase was made on the card, and the item was returned. Barclays did not process the credit to the account, then charged me multiple late fees. When we called them to correct the issue, they issued a credit for the item, but kept the late fees on the account, then proceeded to add additional late fees when a payment was not made. There was no additional balance on the credit card, so no payment was due.

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 2023-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I went to the PNC Bank located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, on XXXX to apply for an unsecured personal line of credit in the amount of {$25000.00} and was not approved ( Not only was I not approved, but I wasn't allowed to even view, review nor give my approval before the application was submitted ). With being denied access to my securities and with the security agreement being retained even after exercising my right to rescind, they are committing securities and commodities fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to your company via mail regarding an account that I have with your company. I am only submitting this through CFPB as another form of communication because I have not heard back regarding the late payments on my account. I have been a loyal client since XXXX and I really appreciate our business relationship. Please see the attached letter that was mailed on XX/XX/XXXX. I really hope to hear a favorable decision from Arvest Mortgage. The account in question is ARVEST MORTGAGE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Hello, I am currently in a small coastal town in XXXX and my US phone and XXXX don't work here. 
When I try to log in to my Cap One accts it says I need additional verification and offers only one option : call or text on my cell phone. 
Below it says if that is not an option press here. I press and get a cheery message saying No problem just call this number and we'll get you access to your accts. Well I can't call using either cell or XXXXXXXX XXXX so I download and pay for XXXX and call the number. 
So far since last week I've logged hours talking to a variety of people with a variety of titles and not one can offer me a way to access my accts to check transactions and pay my bill on time. 
They do all apologize however. 
In the past they would ask XXXX like... what was the name of your best friend in kindergarten or what is your sister 's dog 's name, etc. That is no longer an option they say. What option have you replaced it with ... ..well ...? 
Also I ask why do you offer the XXXX number ensuring me that that will solve the problem ... .well... 
I suggested that they look into XXXX XXXX XXXX XXXX and one person had heard of it but apparently it is not an option.

Company response to consumer: Closed with explanation