vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 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: Conduent Incorporated
State: TN

Complaint narrative:
On XX/XX/2020, 3 charges in the amount of XXXX each were made during the overnight hours to my child support card. I immediately tried calling the We2Go card ( XXXX ) and was on hold for over 2 hours on 2 separate occasions ( was cut off on their end on the 1st attempt ) and was told that nothing could be done because it was a " pending charge '' and to call back when it posted. In the meantime, I had to use another phone to call and cancel the card and was told that it would cost XXXX for a new card and XXXX for expedited shipping, plus every time I did try and call in to try and speak with someone my average wait time was over 3 hours and they charged me XXXX each call. 

On XX/XX/2020, I called again to initiate a fraud claim and was told I needed to wait for the paperwork to be mailed to me, once filled out a provisional credit MAY be applied after 10 days after the receipt of the paperwork. Paperwork was filled out and faxed back to them to quicken the process and finally on day 12 after confirmed receipt, they issued a provisional credit of XXXX posted on XX/XX/2020. Then on XX/XX/2020, they REVERSED the provisional credit causing my balance to go into the negative. I called them again, 2 hours on hold, and was told that even though the investigation was still pending, they reversed the credit and to wait for written correspondence. I then called back the next day, same response, on the next day they said the investigation was complete and the charges were made by me and not fraud. I asked for documentation that was utilized in that conclusion and they said it could take 3-5 business days before that could be mailed to me and all I could do is take it up with the merchant and see if they will refund my money. As of XX/XX/2020, I am still awaiting this documentation. I have been in touch with the merchant and they are experiencing HIGH volumes of fraud cases with this " bank '' and are working diligently trying to get my money back! 

This " bank '' has caused me over 15 hours of hold time, zero answers on being able to speak with the " investigators '', and I am still out over XXXX for charges that were not made by myself. Please help stop this bank from giving more customers the run around and not honoring the federal guidelines of investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Prior-I filed a report advising that Transunion is reporting inaccuracies on my report and refuse to validate and or correct. My complaint number is XXXX. Transunion responded to you as well as I, that the debt is validated. Transunion is violating my Fair Credit Reporting rights ( 611 ).  Please see all attachments whereas, XXXX XXXX did not validate this debt, the Bankruptcy court did not validate this debt yet-Transunion refuses to disclose the source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below or a letter from the actual court regarding the alleged Bankruptcy on my account. XXXX  nor XXXX  is reporting this information, why are they? The document Transunion sent is not sufficient proof that this debt was vaidated. Lastly, the names on the credit report and the alleged account do not match.

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: NJ

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

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 2020-09-02 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: FL

Complaint narrative:
This XXXX/XXXX  has been fraudulently and i called the collection agency and requested original documents that show proof of account being mine which was requested a week and a half ago, they have not complied.

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 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX sold this debt for {$310.00} even though they received proof from XXXX XXXX that it is discharged in bankruptcy and is no longer owed. XXXX XXXX  XXXX sold the debt to Online Collections XXXX who then put it on my credit with no notification or letter or attempt to contact me. I could have told them that they were sold a debt illegally and it was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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:
Between XX/XX/2020 and XX/XX/2020 a series of unauthorized transactions were made from my cashapp account. The transactions were six P2P transaction for {$160.00} each and 5 transactions using a card and pin for {$5.00}, {$6.00}, {$13.00}, {$11.00} and for {$41.00} respectively. I've contacted Cashapp several time and explained I did not make these transactions, I did not authorize them and my physical cashapp card was never out of my possession in New Jersey. So it would be impossible for it to have been used in XXXX Florida. 

Cash App Support responded that since the transaction in question was from a known device and this device had accessed my cash app account prior to this event. They do not have enough evidence to determine the activity was unauthorized and denied my claim. 

Cash app terms of service ( 4. Your liability for Unauthorized Transactions ) says " We will protect you from Unauthorized Transactions in you Account. '' these are clearly unauthorized transactions as defined by the cash app terms of service " An " Unauthorized Transaction '' occurs when money is sent from your Account that you did not authorize and that did not benefit you. '' and cash app is refusing the protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
With strong consideration of the Case XXXX brought against Transworld by the CFPB in 2017 ... I am experiencing the same issue with this collection agency. 

Transworld is refusing to remove an account from my credit file. Transworld is refusing to validate this alleged debt placed on my consumer credit file. 

Recently I submitted my complaint against TSI - Transworld Systems , Inc. Transworld responded by stating that they received a payment. I am not familiar with said alleged payment as that is not validation of the alleged debt that Transworld has reported to the credit bureaus. Providing a copy of an alleged payment does not validate that I am the responsible account holder for said debt. Therefore, updating a paid is still not in accordance with the FCRA. If TSI claims to have the right to collect on and or update the status of this alleged debt on my credit file in accordance with the Fair Credit Reporting Act I am asking for FULL validation of this account via contractual documents stating and proving that I agreed to and that I am responsible for this account. There have not been any agreements baring my signature provided. Therefor, TSI has no legal right to attempt to collect a debt and or report it to my credit file. TSI is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I uploaded a dispute based on a violation of a compliance with the FCRA and Experian sent me a letter as an stall tactic not to make their investigation, therefore violating my request to investigate this violation of the FCRA. It is an abuse and they need to do their job under the law.

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 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
XXXX XXXX  solicited and encouraged me to enter into a hardship plan during the Covid-19 Pandemic, offering a 3 moth deferred payment plan, with the promise of a loan modification or deferral of past due amounts to end of the loan. A month after accepting the offer they transferred the account to Shellpoint Mortgage Company. Shellpoint claimed to be unaware of any hardship plan with XXXX, added phantom legal fees and immediately threatened foreclosure. During this same time span my voicemail accounts have been flooded by people looking to purchase the property, undoubtedly companies who are complicit with XXXX XXXX   and Shellpoint Mortgage. Someone needs to look into how many homes has been loss at the hands of these companies,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
In XXXX my car that was financed through GM Financial was repossessed while I was XXXX. Due to me being out of the country there were several personal items and a cashiers check ( rent payment ) left in the car for a friend to retrieve. I NEVER received any of these items ( illegal in VA ). I also NEVER received any documentation regarding the sale of the vehicle ( illegal in VA ) or the amount owed. After returning from XXXX I tried reporting the car stolen but was notified by local police that the car was taken by GM Financial. 

I have tried disputing this account on several occasions for several different reason because the company is reporting different information to all of the credit bureaus. My XXXX  was updated ( XX/XX/XXXX ) that the high balance on the account is XXXX. The last activity for XXXX  is showing XX/XX/XXXX. My XXXX  was updated on ( XX/XX/XXXX ) with 54 charge-offs reported and a high balance of XXXX that was charged off. The past due balance shows {$7200.00} and the last activity shows XX/XX/XXXX. The account was deleted from my XXXX  account in XXXX. I am attaching screenshots that GM Financial is blatantly reporting inaccurate information to the credit bureaus which is ILLEGAL. Their actions have caused my score to drop 15 points and has put my mortgage approval in jeopardy. I have already filed a complaint on XXXX   because the information clearly was not properly verified. 

I am requesting that GM Financial expeditiously remove this inaccurate information from my credit reports IMMEDIATELY. I am XXXX XXXX XXXX and clearance requires that I accurately report any debt or delinquencies. This information changes so much which makes this requirement impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$470.00}, {$0.00}, {$450.00}, {$470.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX  paypaland paypalcreditareall  diffetent. Now during this covid 19virus XXXX  is doing things like closing a claim then if not making money they charge you rigjt away. I am talking qbout prople that are XXXX and XXXX loves it because with being able to talk to paypal before desicions are mafe they just puro charges at you and lie. They use their power to just charge whatever happens. Ihave 2 cases and 1was closed and i have the emails dhowing itgor XXXXdollars thrn yhesecond is for XXXX dollars that the mail was returned t a pffice building. They want there money and told me the post ofgice gcoud handle it. How opposto office going yo hanfle ypur jobs and thry dont respond. XXXX andbpsypal need to be dhut down begore they ruin there businesd.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I ( XXXX XXXX ) closed my Kohl 's account in XX/XX/XXXX. At the beginning of XX/XX/XXXX, I called Kohl 's to pay off my credit card and close the credit card. I was told by the representative how much my current balance was. I informed the representative I was unable to pay it in one payment. The representative said that was fine and the balance and any charges could be paid over time. The representative asked when I could make payments and I stated XX/XX/XXXX and XX/XX/XXXX. The representative stated that I needed to pay {$180.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX in order to completely pay off my balance and any charges and to close my account. I agreed to these terms and made two payments : one on XX/XX/XXXX for {$180.00} and the other on XX/XX/XXXX for {$110.00}. Per the discussion with the representative this should have covered any and all charges and closed my account. I checked my credit report recently and realized that Kohl 's had reported that my credit account was 30 days late this past spring. In addition, I reviewed my account on Kohl 's and found that a refund for 'late charges ' and 'merchandise ' was issued on XX/XX/XXXX. 

I am requesting to have my credit report updated to have the 30 day delinquency removed and the effective closing date adjusted to XX/XX/XXXX. I closed and paid off the account in full in XXXX based on the amount given to me by the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$470.00}, {$0.00}, {$450.00}, {$470.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account.

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$470.00}, {$0.00}, {$450.00}, {$470.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account.

Company response to consumer: Closed with explanation