vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: Block, Inc.
State: MD

Complaint narrative:
hello my name is XXXX XXXX and I had all my government benefits direct deposited to my cash app account and on XXXX I turned my self in and went to XXXX  and I turned my phone off and on XXXX three transactions were made on my cash app account by this person who I don't know with the cash tag of $ XXXX and the transitions were two payments for {$1000.00} dollars each and one payment for {$170.00} dollars on XXXX I was released from XXXX  and I was forced to get another cell phone and start another cash app account because cash app refused to grant me access to the old account that I had with the old phone number of XXXX and the cash tag of $ XXXX so for months I continued to consistently worrie cash app and beg them to switch my old account over to the new account that I had created with the cash tag of $ XXXX so I was able to convince someone Todo switch the accounts and me access on XXXX and once I looked inside of the account I saw where all my government benefits were transferred from my account to this person who I don't know or ever met with the cash tag of $ XXXX so I immediately called the police and filed a police report with the local police department and I filed a dispute with cash app concerning this illegal transactions and I provided proof that I was in XXXX  when all this took place and I told them that my stimulus check was stolen and my monthly social security XXXX check was stolen as well so I contacted the states attorney office where I live and filed a complaint with them as well about this unauthorized activity meanwhile cash app response to my dispute was denied and I was told that I knew about the transactions and I kept trying to tell them and I provided proof to them that I was XXXX  when all this took place so I've appealed the decision of me being denied and I'm getting frustrated because I really did not have any thing to do with any of these wrong doings so now I'm losted I've enclosed copies of all corrospondance and all the documents that I've provided to cash app to show and prove to them that I played no part in this unknown person hacking in to my account and transferring all my government benefits out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC
State: CO

Complaint narrative:
This letter is in response to your recent claim, in which you claim I owe {$9100.00}. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 

I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


*** Also Note - I was not properly served.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NC

Complaint narrative:
Ive been dealing with this almost a year Ive did every step they told me to get these inquiries & accounts removed!!! Ive submitted identity verification & utility bills along with the FTC as was requested I have proof.

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 2022-10-13 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
This company, Consumer Portfolio Services, is falsely reporting an item on my credit report while ignoring my request to verify this account. In XX/XX/XXXX they sold this account to another company by the name of XXXX XXXX. In XXXX, I contacted both companies via certified mail requesting verification of this item. Since XXXX XXXX has stopped reporting this item however Consumer Portfolio isn't after many attempts to correct this situation. Currently they are reporting a charged off amount of {$12000.00}. This item is severely impacting my credit and livelihood in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
My loan service EdFinancial are terrible when it comes to requesting a refund for student loans payments made during the pandemic forbearance. Every individual that made student loan payments during the pandemic has a right to ask for a refund and should get it. I asked for a refund ETA and they gave me the run around and said they don't know when they will get me the payment. They also said they will not send out confirmations that they've submitted for a refund on my behalf. Not even an email confirmation. That's ridiculous and very frustrating especially since there is a lot of uncertainty. I feel like EdFinancial are lying and don't want people to get their refunds back. It shouldn't take that long. This is just ridiculous. I should get refunded exactly this amount : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TX

Complaint narrative:
On ( XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX ) add 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 the account. Debtors ' 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's mine. According to the FCRA ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account 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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on prior pages of complaint form I could not find the right questions regarding my problem so chose the closest to my issues. 
here is my problem. 
on XX/XX/2021 my XXXX Bank of america depit cart was hacked and all my money, in the amount of {$4800.00}, was stolen. I filed a police report and file a claim with BofA several times during the year, but BofA was keep denying my claim, I filed with fraud department also, they keep asking me to identify and verify my identity few times, which I did, first time went to bank and verified my ID and signature and second time I faxed them my ID. Every time I filed a complaint they denied my claim, saying " unfortunately we're unable to approve your recent claim '' saying that I took and transferred money to my checking/saving account. I have several checking and saving accounts with Bank of America, if they do detailed investigations they will find out that I did not deposit or transfer any money during that time and amount of {$4800.00}. that money was my XXXX money, my only income during covid because losing my job. 
thanks hope you will be able to solve 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 explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: NV

Complaint narrative:
I paid my medical bill to XXXX XXXX XXXX on XX/XX/2022 for {$200.00}. I received no mail communication nor voicemails from the Collection company, Grant & Weber INC, and they reported a collection to my credit for an original balance of {$200.00} from XXXX XXXX XXXX which was already paid.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed a Fraudulent collection account from a company named XXXX XXXX XXXX ACCOUNT # XXXX that was sent out on XX/XX/2022 via certified mail and was received on XX/XX/2022. I was informed to even fax over a dispute as well after speaking to the consumer affairs department. In which I did so as well and under FCRA 605B ( 15 U.S.C. 1681c-2 ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, " NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY. '' I have filed an FTC report as well as all other required documents, as advised by the Consumer Affairs Department. When I call they keep giving me the run around and stated that they have their own rules to abide by and that they are sorry ..... This is not helping my Fraud Issue at all, and they are clearly IN VIOLATION OF MY CONSUMER RIGHTS AND IN VIOLATION OF THE LAW. IT HAS BEEN PAST THE REQUIRED TIME AS STATED BY THE FCRA AND THIS FRAUDULENT ITEM STILL REMAINS. I even did research on the company thru the XXXX  and they have thousands of complaints relating to their fraudulent activities!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
I have reached out to the company on multiple occasions stating that my payments are being returned. Every payment i was making was being returned, I contacted them they stated that the system was blacklisting my cards. They even negotiated for me to pay XXXX XXXX so my account could be current and they still rejected my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance With Fair Credit Reporting Act. 15 USC 1681i ( A ) ( 1 ) ( A ), Can you Reinvestigate the completeness and accuracy of the list of Accounts Below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW salesman used disceptive tactics to get me to sign a contract on a new vehicle with a balloon payment at the end of the XXXX year term. This amount equal an additional XXXX XXXX  more of the purchase amount. This turned this vehicle from being a XXXX car loan to a XXXX car loan. 

We filed a complaint with bmw about this issue and received no response but, a letter from them requesting to pay that amount. 

I asked for this account to be validated by BMW and by XXXX. This process was never done. 

In fact, what this company did was shocking. Instead of responding to me, they came and pick up my vehicle that was paid off in its XXXX year term. 

BMW decision was to take my car that I paid XXXX off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
after repeated calls to my phone at all times of the day. I recieved a bill in the mail from wakefield & Associates for unpaid hospital charges of a family member who does not live in my household and has not for 25 years. I returned the bill with a written note of this information. Since then the calls come, but are automated so as not having anyone to talk to. It is very frustrating to awake to these calls when you have not done anything to warrant them. I pay the bill but someone else is in control of my phone line to harass me to pay someone else obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
To whom it may concern, My daughter had to have XXXX XXXX XXXXXX/XX/XXXX at the time we lived at XXXX XXXXXXXX XXXX I was " Co Applicant ''. I knew at the time we moved in XX/XX/2017 that we would be moving or relocating to lower level or moving entirely and only be there no more then 6 month 's also knowing the Applicant was staying in the apartment anyway after I left. 
My daughter could not XXXX  XXXX XXXX XXXX XXXX XXXX the office knew this at the time of move in this was coming. 
XXXX XXXX is a friend of mine and he knows my daughter went through this as well. 
I have sent certified letter to all 3 Bureaus with proof and have made several attempts to get this off my credit report and disputes as well, with this still not resolved. 
I have sent as proof and email giving my 30 day notice, proof of my daughters XXXX, time and date etc. 
I need this off my report, my daughter is now XXXX will be going to college and I am a single mother hoping to send her to college by knowing I will have to take a loan out for that expense. 
please help me resolve this or at least direction. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XX/XX/2022 Hello, This is a second attempt in contacting your agency in regard to incorrect personal information being reported to my credit report. There are fraudulent accounts and addresses being reported to my credit report by your agency. Fraudulent in this respect, names, addresses, and employment information that does not belong to me. Attached, is the previous letter sent to your agency. 

PLEASE DELETE THE FOLLOWING NAMES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name should instead be reflected CORRECTLY AND ACCURATELY on my credit report. My name should be listed as the following : XXXX XXXX XXXX, XXXX. 

Attached with this letter I have included a copy of my STATE IDENTIFICATION CARD to verify this information. 

Please also delete the following addresses as they do not and have never belonged to me : XXXX XXXX XXXX XXXX XXXX, DE XXXXTHIS IS NOT/WAS NEVER MY ADDRESS. 
XXXX XXXX XXXX XXXX XXXX, DE XXXXTHIS IS NOT/ WAS NEVER MY ADDRESS. 

My address should be displayed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX I have given your agency ample opportunity to correct this information. YOU ARE IN DIRECT VIOLATION OF MY RIGHTS AS THEY PERTAIN TO THE FAIR CREDIT REPORTING ACT. Pursuant to ( 15 U.S.C 1681 ( e ) subsection ( b ) ), which states, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I HAVE PROVIDED PROOF. 

15 USC 1681 ( i ), which states, ..If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 )... 

Please DELETE this inaccurate information within 15 days of the receipt of this letter. Please also forward an updated credit report reflecting these changes to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 

I HAVE ALSO FILED A COMPLAINT WITH THE CFPB. A COPY OF MY REPORT IS INCLUDED WITH THIS LETTER. 

ENCLOSED WITH THIS LETTER : Prior dispute ID and Social Security Card Current Utility Bill CFPB Complaint With Kind Regard, XXXX 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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
I was under the impression that my student loans were under the forbearance that was extended until the end of the year XXXX XXXX XXXX. I never received any communication from AES about my loan payments starting back up again. I use paperless billing and never got an email or a phone call about this. The only reason I realized what had happened was I got XXXX or XXXX emails in a day from my credit reporting agency that my credit had been lowered. Checking my score revealed that it dropped XXXXXXXX XXXX Devastated, I contacted AES and spoked with a Customer Service Rep. who said that they sent out emails and letters, but I never received them. I checked my trash thinking I deleted them by mistake. No, there wasn't a single email stating my account was past due. I use my phone a lot for my job and receive numerous phone calls. I never received a voicemail stating that my account was past due or that they would be taking action on my credit report. When I asked if there was maybe something they could do, because I was never informed she flat out refused and said that it would it ruin the integrity of the credit reporting companies if they did. I think it's egregious that I was never informed and the only way I found out was through my credit company letting me know that my account took a massive hit. XXXXXXXX XXXX  that's ridiculous, especially after I took my time and care to build it back up after being affected by the pandemic. There was no sympathy or willingness to help someone who clearly needed. It's companies like this who have preyed upon people and don't have anything done to them.

Company response to consumer: Closed with explanation