vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX XXXX  I got a AMEX pre paid gift card of {$500.00}, Ive tried to use it at XXXX, XXXX, and XXXX  and all of them declined the card or said contact the card issuer. On XX/XX/26 I called the AMEX costumer service and they said my card was blocked, but I never used it on any suspicious websites. I couldnt understand the worker that well and he didnt give a reliable solution. They are keeping my money and its a shame {$500.00} is going to waste. So many other people have struggled from this problem and its crazy how American Express hasnt fixed this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
XXXX XXXX/UWM took over my loan and I did not know this for XXXX years. Then They got cybercrime hacked and my personal data was compromised. I would like to switch loan servicers, because they have been hacked now XXXX times affecting me and XXXX other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-28 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
My personal information was compromised. After reviewing my credit report it is apparent to me that someone has accessed my information to apply for an apartment 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  ( Fair Collections and Out ) Balance Owed : XXXX XXXX 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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As a Federally protected Consumer I am opting out of any and all authorization I the consumer may have given whether written or verbal or implied per title 15 USC 6802 and the Privacy Act of 1974. I called the number provided by XXXX 's website for their privacy policy. Requested to opt out of XXXX XXXX XXXX  sharing my non public info. The representative I spoke with whose name is XXXX XXXX XXXX XXXX told me there was no opt out option available. This interaction took place XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a Federally protected Consumer I am opting out of any and all authorization I the consumer may have given whether written or verbal or implied per title 15 USC 6802 and the Privacy Act of 1974. I called the number provided by XXXXXXXX XXXX website for their privacy policy. Requested to opt out of XXXX XXXX XXXX sharing my non public info. The representative I spoke with whose name is XXXX ID # XXXX  told me there was no opt out option available. This interaction took place XX/XX/XXXX 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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a Federally protected Consumer I am opting out of any and all authorization I the consumer may have given whether written or verbal or implied per title 15 USC 6802 and the Privacy Act of 1974. I called the number provided by XXXXXXXX XXXX website for their privacy policy. Requested to opt out of XXXX XXXX XXXX sharing my non public info. The representative I spoke with whose name is XXXX ID # XXXX  told me there was no opt out option available. This interaction took place XX/XX/XXXX 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 2023-12-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I deposit a check on counter from my family XXXX XXXX XXXX  with writing deposit account number on the back of the check to Wells Fargo account .she refuse to deposit it than said go to ATM which I did after XXXX  days rather than send it for collections they send the copy of the to me and call the owner of the XXXX XXXX  Why it was not deposit to Wells Fargo act and send it for collection? and XXXX  me asking " do you know what is the meaning of endorse ''? 
I like to know what was wrong with my family check was refused and if so why well Fargo did not return the check to depositor? 
In between lot of phone communication Wells Fargo management disrespectful and disregard XXXX Thank you 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 explanation
Consumer complaint received 2023-12-28 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-28 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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/23 I made an online order from XXXX XXXX in the amount of {$220.00}. On XX/XX/23, having learned that XXXX XXXX would not honor the contract entered into when they approved the order and accepted payment, I notified Block, Inc d/b/a CashApp of the issue and that XXXX XXXX had not issued a refund. On XX/XX/23 I received email confirmation of the dispute. As of XX/XX/23 Block, Inc d/b/a CashApp has failed to resolve the dispute, comply with their policy regarding providing a provisional credit when the dispute is not resolved within 10 business days, nor complied with Reg E. When I have contacted Block, Inc support staff I have repeatedly been told that Reg E and company policy only required the provisional credit if the investigation is not began within 10 business days. When I advise them that this is incorrect interpretation of Reg E and that they are not compling with their own policy, the agent either disconnects the chat or the call. I have advised Block, Inc via email that they are in non-conpliance but they have refused to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
HELLO CFPB, my complaints against Capitalone bank 1 ) requested personal check after transferring USD XXXX even paid from my account at capital one bank branch where I have i opened the account XXXX XXXX XXXX XXXX but never had the check received to latter take advantage of me by denying access to my own account, to day and in two other incidents i was cut phone connection and the bank tried to send the check to old address but my current XXXX address was on file and i have legally updated via us change of address and IRS web address still the bank is not willing to treat me fairly please research and provide this info with inspector general and XXXX XXXX XXXX XXXX for double standard of service - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was scammed by this bank XXXX XXXX and delivery of check may be connected to this check, in which case I request the board to open careful research and file civil suit against this bank, to protect fair right of minorities 3 ) to put one case, I was denied a cancelled purchase return from XXXXXXXX XXXXXXXX XXXX XXXX card which i charged -debit card and after a year and half the seller asked me to take money in cash in which case the bank made prearrangement to be free of legal issues. 
4 ) the bank intentionally declined to reset my online password even propery uploaded for about 4 times to verify 2 way security authentication. please carefully investigate this irresponsible bank if it fits bank standard and forward it to department of treasury and consumer regulatory watch dog. 
please request this to refund my short balance XXXX XXXX with interest to date regardsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NV

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XXXX XXXX I called Discover Bank reporting that my debit card ending in XXXX was stolen and multiple unauthorized transactions and withdrawals were done using my debit card. The bank stopped the card and sent a new card. Gave provisional credit for some of the transactions and withdrawals. Ranging from {$1.00} to {$200.00}. Then the bank did a reversal of them transactions. Then on XXXX XXXX my debit card ending in XXXX was stolen by ex along with my phone, laptop and other very important personal information. Again multiple unauthorized transactions and withdrawals done using account and card Ranging from {$6.00} to {$190.00} new card was issued and provisional credit given and again a reversal was done with the credit given. New card was issued. On XX/XX/XXXX I was XXXX and placed in the XXXX XXXX XXXX XXXX till my release on XXXX XXXX. On XX/XX/XXXX I had a mild XXXX XXXX and was placed in the hospital till the XXXX. While in XXXX  or the hospital my motel room was broken into along with several others and money, my new phone and debit cards was taken. The camera 's at the motel was not working at the time of the break ins so there was no way to file a report because I couldn't identify any suspect or suspects. I called Discover reported the problem. Card was supposed to be shut off. New card arrived but somehow there was unauthorized transactions and withdrawals again starting XXXX XXXX till and unauthorized transactions stopped on XXXX XXXX. 
I sent Discover Bank all the documents that I had to send the documents were Documents from XXXX XXXX XXXX XXXX, the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of the XXXX XXXX XXXX Texas multiple supporting letters and a document from the XXXX XXXX were I was staying and they denied the disputes saying I was held reliable. 
How can I be held reliable when everything was stolen from me and I was in XXXX and the hospital I had no knowledge of any of this or it was even happening and I didn't give authorization to anyone or business to use my debit card or my account information. 
I have became homeless because of this situation and plus had a XXXX XXXX and fighting XXXX XXXX XXXX XXXX and taking XXXX. 
This situation has caused me nothing but pain and gift and cost me {$3800.00} this is total money stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: CT

Complaint narrative:
Up until XXXX of this year, I had been 100 % on time with my mortgage payments, sometimes paying more than what was due. I had a late payment reported ( delinquency ) to the credit bureau for my missed payment that was due on XX/XX/XXXX because of my auto payment not going through. I'm not sure what the mishap was, but to my surprise I had a late fee of {$38.00} and a balance due of {$3300.00} when I opened my online account on XXXX. Be mindful of the fact that I never received any communication from my mortgage company ( no email, no phone call, no text ) regarding this late payment for which I was already reported. I did receive a paper notice in the mail but it was already too late. AS SOON as I saw I had a balance due I paid it in full on XX/XX/XXXX, for the late month payment ( XXXX ) and current month payment ( XXXX ) and a late fee. After paying, I called my mortgage company and got nowhere with my auto pay issue or my request for them to rescind the delinquency report. Today, I have confirmed my auto pay is working and am up to date with payments, but this mishap has costed me a great deal in credit worthiness as my score has been above XXXX for several years and dropped by XXXX points for ONE late payment.

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 2023-12-29 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
In XX/XX/2023, this company added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for this account. This debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, this company has violated my rights as a consumer and I am requesting action to have this account removed from my credit report 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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've experienced repeated issues with Bank of America 's autopay system, resulting in its arbitrary cancellation of automatic payment without notice. This recently led to two late payments on my personal credit card account without my knowlesge. Although the bank reversed the fees, the late payments were reported to credit bureaus, negatively impacting my XXXX XXXX XXXX. 

This erroneous reporting caused by a documented system flaw now endangers my other credit lines. Despite a perfect payment history, my account was also closed without prior notice. My problems with the autopay system have been heavily documented and confirmed by the bank, despite this they are refusing the 60 day late report 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 monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Was always charged overdraft fees even if I had money in my savings account to cover and even with overdraft protection still got hit with same over draft

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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