vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX, I attempted three times to use my Cash App debit card to send {$1.00} to XXXX to clear up a balance due with that company. The transaction was declined three times and the only explanation given on the app was that it was done for my protection. When I contacted cash app through their chat feature, I was told that I would not be able to use my card. I then asked why my card had been suspended and explained that this had some very serious consequences for me in terms of Getting By day today. The person I spoke with and his colleague both repeated the same line that they had no further information to add and that I should read the terms of service. I called the customer service line shortly after it opened at XXXX XXXX. And spoke to another person who repeated to me again that they had no information to add and that I should read the terms of service. I spoke to the night manager, and was told the same thing. For sending funds to one of their competitors, and I asked why they had no problem with me receiving funds from XXXX, and that to a reasonable person this might smack of Restraint of trade. The night manager told me that I could expect an email Within 15 minutes approximately from her Superior. I received an email from the managers Superior, identified only by the name XXXX, and was told that I would not be provided any information and that I find another alternative means of paying off the XXXX debit. I once again said that this was a catastrophic decision for which I have been given no explanation and that I needed her to put me in touch with someone who would with the authority to grant me relief from the catastrophic consequences of their company 's decision. I received a curt reply telling me that there would be no further Communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX balance XXXX shows unpaid already paid in full XXXX XXXX is inaccurate balance XXXX, XXXX already paid in full XXXX XXXX, XXXX show balance last updated was in XX/XX/2023 this was paid in full- correct this information

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX balance XXXX shows unpaid already paid in full XXXX XXXX is inaccurate balance XXXX, XXXX already paid in full XXXX XXXX, XXXX show balance last updated was in XX/XX/2023 this was paid in full- correct this information

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Savvy Money, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX balance XXXX shows unpaid already paid in full XXXX XXXX is inaccurate balance XXXX, XXXX already paid in full XXXX XXXX, XXXX show balance last updated was in XX/XX/2023 this was paid in full- correct this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I would like to file this complaint against TSI collection agency for Email Harassment for a cell phone bill for XXXX XXXX XXXX XXXX it's a Identity theft acct because XXXX opened cell phone acct for someone who stolen my personal Identification without verification and i have place a note and fraud alert at all three credit bureaus if someone try to open an acct in my name i need to receive a call from the creditor first to prevent fraudulent activity but i never any call from XXXX that cell phone acct was opened ilegally in my name my social security and my drivers license were stolen in XX/XX/XXXX and XXXX was granted a cell phone to the person who stolen my personal Identitfcation but i file a police report more 4 times before somebody broke into my car stolen my personal identitification On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX when i lost my wallet this is unfair debt Deceptive and Abusive practices. 
I want TSI to stop all the email Harssment and Threat and misleading the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
Someone used my credit to open various accounts for credit cards including a XXXX store that sued me and is garnishing my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My message to them after they denied my victim claim. It explaind again to anothet fraud office there what happened. -- -- I received your message today that you intend to close the new checking account because of the horrendous fraud committed on the old account 3 days ago. I was a victim of this performed by a national crime ring. I called the XXXX XXXX XXXX XXXX XXXX XXXX that is on the stolen checks that were deposited into my account. The company representative said they get roughly 30 calls per day on this scam. She said one lady was scammed out of {$30000.00}. 
These people are obviously professionals. My part was applying for a loan online and followed instructions to get what I needed. I played no part in the fraud on purpose. If you look at those check deposits you will see the signatures are not mine. They were stolen, pictures taken, deposited online and Chase honored them. I did nothing wrong to warrant being held responsible for this fraud. I paid out 2 bills in the morning before you restricted the XXXX account. I did try to stop the XXXX payment of {$120.00}, but she refunded it instead of canceling it. That should be coming back into my account and I need that back to pay my phone bill as I am unemployed and have been for 9 months! Also coming in to that account on XX/XX/23, is my Social Security check that covers my rent and car payment. Please allow the XXXX account to remain open to receive that check and I will come in a get it that morning, and then you can close that account. I called SSA yesterday, but she said they need at least 2 weeks notice for the system to make a change in a direct deposit completion. If you close that account it will be kicked back, and my rent and car payment will be seriously delinquent. I can not afford that. Please work with me on this. I didn't commit this fraud, I am an XXXX XXXX, and I need Chase 's help with this. 
Thank you. 
XX/XX/23 They have informed me tat they are closing both accounts and will take my SS check on XX/XX/XXXX. This is wrong! These scammers are pros and I am NOT a professional victim. The rep said to today that is I don't pay it back they will press charges eventually. I am a XXXX, and have NO marks on my records at all. I do not deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: Zions Debt Holdings
State: GA

Complaint narrative:
Zion Debt Holdings sent a letter in the mail and nothing in the letter was what was requested. I have spoken to someone on the phone from Zion Debt and they assured me that they had the right person and the original contract with a wet signature verifying that this was indeed my debt. The letter that was sent was not what the representative said they would send to prove verification of the debt. This is not my debt, Zion Debt will not be paid by me for this account. At this point they have not done a thorough investigation into this and they are now trying to strong arm and bully money. One my credit report it states this account was opened by me on XX/XX/XXXXXXXX XXXX XXXX XXXX  this is incorrect and is not my debt. 
Zion Debt Holdings must follow the Validation of Debts ( 15 U.S.C. 1692g ) I requested validation for this debt and they did not send what the law requires for verification. 
The verification for this debt must fit the requirements within the law. There is no social security numbers, birth dates nor wet signatures provided to verify this information. This is not a verified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Truist bank and the truist fraud department. I have been calling the fraud department after dening my claim twice for an ACH transaction. Then I received a letter from the client resolution specialist XXXX XXXX he said the decision to deny the claim remains unchanged. I called again today the supervisor could barely speak English and just kept repeating herself. After explained repeatedly why the ACH transaction should have been returned. She refused to tell what was in the notes from my conversations. After calling over 6 times. I'm sure that money should have been returned. If you have further questions someone can contact me. Thank you

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Its a violation for any Company or Bureau to to repot anything on your credit report without your consent. I have never given Experian any verbal or written consent to report a collection on my credit report. If Experian continues reporting this it is considered identity theft. This is supported by code USC 1681b permissible Purpose. Furthermore, I have disputed this said debt by Security Credit Services account # XXXX in the amount of {$5500.00} several times with it still remaining on my report. Experian sent me proof that the debt was mines with a forged signature nothing like my actual signature with transactions showing payments from my stolen bank card from XXXX. This card was reported stolen and XXXX refunded me the money stolen as their investigations proved the card and transactions were not done by me. I have explained this several times both written and orally to Experian without any rectification. Because Experian has been reporting this it has caused me great stress and I am suffering from XXXX. I am unable to sleep at nights due to the fact that I can not purchase a home or vehicle. Thus why I have reported them to the CFPB.

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 2023-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI

Complaint narrative:
I live in XXXX on XXXX XXXX XXXX XXXX Mi. My condo is XXXX ' from maintanace garage specifically my office window. A XXXX women honked for XXXX min needing help. Her question about a hospice delivery and didn't want violation. She HONKED XXXX min outside my window & maintenance not coming out. I went she had a walker, i said i would help her and get maintanace. I in went XXXX garage to get maintenance man I have on video all nice I am fined {$1000.00} for interfering and recording maintanace complained?? because lawyer wont tell me UNFAIR H O A COLLECTION PRACTICES ON FINES AND VIOLATIONS I HAVE XXXX UNFAIR VIOLATIONS THIS MONTH TOTALING {$2000.00} ALL WRONG AND I HAVE WITNESS AND VIDEO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
Mohela is applying unfair, deceptive and abusive practices resulting in my payment to be approximately five times higher than the amount it should be and is delaying processing of federal government forms so I can not tell how many payments are left to be made on my loan. 

I used Mohela 's online self service tool to submit an IDR application on XX/XX/XXXX in order to receive a lower payment that I am eligible for under the terms of the student loan program during the income self-certification window. The form input on their website showed my payment should decrease to {$430.00} per month. Mohela processed the form wrong and has instead increased my payment to $ XXXX. I called and spoke to customer service on XX/XX/XXXX who acknowledged that the form appeared to have been processed erroneously and stated it should be corrected in a week. They have not made the correction and have in fact accelerated the end of my administrative processing forbearance so now show that the incorrectly high payment will be due even sooner. 

I submitted an updated PSLF application and employer certification on XX/XX/XXXX to have my PSLF counts updated. Although Mohela 's website says these are generally processed in 30 days and, at most in 90 days, my form still shows as " processing '' after almost five months. Until Mohela processes this form, I am unable to determine how many qualifying payments I am due to still make under the XXXX program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Capital One N.A., I, XXXX XXXX, giving notice on this XXXX day of XXXXXXXX XXXX, that I have received my Capital One Venture Card from Capital One. I accept the offer. However, I have never activated my card and decided to so just recently. However, I am not able to activate my card. I hereby request that Capital One correct any error for whatever reason may be. I have a picture of my card in the attached for your reference. I look forward to hearing from you with a positive response of resolving this problem. As a new customer and consumer, I appreciate your efforts and support. Thank you, best regards. XXXX XXXX All Rights Reserved UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Called today XXXX, talked with representative who could only offer to send another description of the factors that influenced the score. When I viewed the information on the XXXX portal, XXXX items were listed : INSUFFICIENT DDA INQUIRY ACTIVITY SAME FI, and RECENT UNIQUE FI DDA INQUIRY HISTORY. The representative had no other information and could not even explain these " reasons. '' It appears that ChexSystems " calculates '' a credit score of " XXXX '' with NO information! 
My actual credit score with the XXXX major bureaus is virtually a perfect score. 

This appears to be a fraudulent business practice and should be investigated. 
The Consumer Finance Protection Bureau should open an inquiry on ChexSystems 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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
On XX/XX/ I received a call from Umpqua Bank 's fraud hotline regarding a purchase I did not make. Upon reviewing my account, I noticed 4 charges that were fraudulent and not performed by me. The charges in question were for : XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$130.00} USPS.com XXXX {$9.00} By the time I received the call for the fraud charge, it was one for XXXX XXXX XXXX that would have overdrawn my account. 

I called Umpqua on XX/XX/ at XXXX to report these transactions as fraud. I was told at this time that I could not get any type of provisional credit for the funds that were stolen. 

I called again today, XX/XX/ in an effort to get a provisional credit, since most of my money was stolen. I spoke to a representative that told me provisional credit was not able to be issued. I escalated to a supervisor named XXXX, who told me the same, and again to a manager named XXXX who again told me that provisional credit could not be issued. Additionally, XXXX told me that they had 10 days to investigate and that a provisional credit may not be issued after 10 days either. 

It is extremely disheartening that Umpqua Bank compromised my information in a data breach in XX/XX/XXXX XXXX  and then when there is fraud on my account and the majority of my money stolen, they are not willing to provide a credit so that I can pay my bills.

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 2023-10-23 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: FL

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 Account XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-10-23 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: FL

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 Account XXXX has violated my rights. Or a 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please delete these hard inquiries as I did not authorized them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today at XXXXXXXX XXXX I received an email " XXXX, Thanks for applying for a Chase credit card '', but I have never applied for a Chase credit card. 

Also, my credit is locked, so no one should be able to apply for a Chase credit card using my information.

Company response to consumer: Closed with non-monetary relief