vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I used Cash app square , Inc app to make a stock purchase. I made an order over the weekend. The stock purchase was supposed to execute at XXXX on Monday XX/XX/20. I was supposed to be {$4000.00} purchase of stock XXXX at {$9.00} per share. But the CashApp company did not make the purchase at XXXX. I submitted a cancel order request at XXXX. But as I submitted the cancellation request, the company actually made the purchase at {$13.00} per share. I did not authorize the purchase. I contacted the company through email on several occasions about the unauthorized trade but they have been unresponsive. They do not have a telephone number available to customers. I would like a refund of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: Self Financial Inc.
State: GA

Complaint narrative:
I paid this loan with self off the way they reported the loan should had been paid in full instead they reported closed account. This caused my score to plummet 44 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
On XX/XX/2020, I made a call to XXXX support, from my cell phone, attempting to troubleshoot some difficulties I was having with my phone. Unbeknownst to me, I had dialed a bogus XXXX number. During this conversation with " XXXX '', I was informed that my phone had been hacked, and that my financial information that was in my phone had been compromised. This fake XXXX support individual proceeded to explain to me that they had to " entrap '' the hackers, and the way they accomplished this was by installing certain apps on my phone ( XXXX and XXXX ), by which the hackers would attempt to withdraw money, and then be caught in the act. I unknowingly allowed this fake XXXX support person to put these apps on my phone, and he was then able to withdraw money from my checking account, in the amounts of {$960.00} two times within several minutes. ( I will mention to you, that they were also able to manipulate me into a gift card scam, which was another several XXXX dollars, but I am taking responsibility for being foolish and falling for that. ) My complaint is because my bank ( NY Community Bank/Roslyn Savings Bank ) allowed these 2 transactions to take place, without seeing a " red flag '', and contacting me first to inquire as to whether or not this was legitimate. I received 2 other phone calls, from 2 other banks that I deal with, where the scammer had attempted to access my bank accounts, and the bank had thwarted them, and called me first, thereby saving me from further financial damage. I have attempted to file complaints with NYCB, the first of which was denied, and the second appeal is going to be denied ( I spoke with a vice president for retail help, who advised me of this ). I just don't understand, how 2 other banks were on top of this, and called me to question the charges that were about to be made, and by calling me, those charges were intercepted and prevented. However, NYCB allowed these 2 very questionable charges to be withdrawn from my account without even batting an eyelash. My husband and I have been customers of NYCB for well over 20 years, and have had a stellar record in all of our bank dealings and transactions. I am absolutely devastated that this bank would not even consider restoring this money to me, which is money I can not afford to have lost. I am beyond disappointed in their response, as I do think they should have at least questioned the back-to-back withdrawals for the same unusual amount. Thank you for any help and/or advice you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my report I noticed incorrect addresses that I never lived at. I sent out a letter to the bureau to remove the incorrect information on XX/XX/2020 and never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi On XX/XX/2020 I have submitted a dispute against the credit bureaus to eliminate some erroneous accounts in my credit report, but so far I have not received any responses from them. I have sent letters month after month since XXXX and I still haven't received any responses. I need help to know the status of my disputes. 

I enclose the first round of letters sent to the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi On XX/XX/2020 I have submitted a dispute against the credit bureaus to eliminate some erroneous accounts in my credit report, but so far I have not received any responses from them. I have sent letters month after month since XXXX and I still haven't received any responses. I need help to know the status of my disputes. 

I enclose the first round of letters sent to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
Checked my credit report and noticed fraudulent activity. Contacted collector and informed them that this is not mine and I am a victim of identity theft

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 2020-11-12 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: FL

Complaint narrative:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; sXXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2020, I worked out an arrangement with XXXX  XXXX  to settle a Collection account that originally belonged to XXXX. The agreement was that if I paid XXXX XXXX would cease all collection efforts on the account. I did pay the agreed upon amount and XXXX returned the remaining amount to XXXX, assuring me that all collection efforts would cease. After a couple weeks I noticed that Experian had shown that the account had a XXXX balance, but was still listed as a collection account. I disputed this with Experian and I got the attached dispute response when they show that was no longer listed as a collection account, but indicated that the account would remain on my credit for seven years. 

Yesterday, after paying Experian {$29.00} I looked at my credit report and discovered that they had in fact not removed the account from the Collections section of the report. I contacted XXXX XXXX, whom I have an account with, and asked what could be done to get the information corrected, as the credit bureau was still showing the account as a collection item and that was not what I had agreed to. That conversation is also enclosed and shows that they have also tried to get the information straightened out. I spoke to XXXX, and they told me that they reported it as a closed account, but they could not guarantee how the credit bureau reported it. I also attached a copy of the letter of agreement from 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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
On XXXX XXXX I sent Equifax a dispute letter to have all unauthorized inquires removed from my credit report as after not hearing back from Equifax after 30 days, I followed up with sending another dispute letter as they failed to respond to my dispute letter of XX/XX/XXXX. The reason I sent my 2nd dispute letter is because I know its federal law that requires the credit bureau to respond within 30 days in which they did not. As of today I have not received anything in correspondence to my letters. I have also tried calling multiple times. In fact I called today and they made me aware that there systems were down and there was nothing they could do for me. I then asked to speak to a supervisor and the repressive made me aware that she was not able to get me in contact with her supervisor. 

For my second follow up letter I did place a tracker in which they received on XX/XX/XXXX. The tracker is also attached in the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
Good morning, I called my student loan provider this morning to initiate a refund for a payment made on XX/XX/2020. From my understanding, through the CARES ACT and PRESIDENTIAL ACTION ANY payment made towards to your student loans between XX/XX/XXXX to XX/XX/2020 can be refunded. My student loan provider informed me because the payment I made made the loan paid in full, they don't have the tools to refund me the payment. I feel this is a direct violation of the Cares act and the action the president took. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 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: FL

Complaint narrative:
After reviewing my report I noticed incorrect addresses that I never lived at. I sent out a letter to the bureau to remove the incorrect information on XX/XX/2020 and never got a response.

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 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
To Whom It May Concern About two years ago, before XX/XX/2018 I changed my phone number from XXXX XXX XXXX to XXXX XXX XXXX. It seems that shortly after I received very frequent calls from what appeared to be debt XXXX asking for " XXXX XXXX  '' " XXXX XXXX XXXX '' " XXXX XXXX '' " XXXX XXXX  '' At one time I was able to trace back the number to American Express, and I had several conversations with American Express also in response to my Corporate Business Card. American Express confirmed there was some suspicious activity on my phone number and perhaps even my corporate credit card, so I swapped out the credit card for a new one with a new number. 

However, the calls asking for " XXXX XXXX '', or " XXXX XXXX '' did not stop and they came from different numbers, some did not reveal their identities and were unable to provide callback numbers. 

Further, I have now a confirmed report from my mother-in-law who lives in XXXX ( XXXX XXXX XXXX ), who I frequently send text messages to and call. She also got a call from someone requesting " XXXX XXXX XXXX '', and I am following up on this as well. So far I have not noticed any activity on my smartphone which suggests it was taken over by a hacker but I am considering a phone number change and a new phone if the problem continues, however this is a costly action to take. 

At this moment I have not experienced financial losses but it appears there are criminals hacking my contact list and/or trying to take over my smartphone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a notice that a creditor had denied me because of a fraud alert on my equifax credit report. I talked with equifax and they say there is not fraud alert at all and i should be fine. I logged into my equifax account and it does show that i have an extended fraud alert on there. They still say i dont when i call. I need this to go away and the problem to be fixed. I guess htey can not see their own alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I began the application process to refinance my mortgage through my local credit union in early XX/XX/2020 and was denied due to there being a foreclosure being reported by Citimortgage on the very property that I still reside in. However that reporting is not listed nor mentioned in any of the 3 credit reports available to me. ( XXXX, XXXX  and XXXX  ) The credit union stated that they could not disclose where the report was received from. The loan officer suggested that I take the issue up with Citimortgage. I called XXXX  by phone and they could not locate a reporting of the foreclosure. 

In addition to all of this my ex wife was denied on a mortgage application of her own due to the foreclosure appearing on her credit report as well. Upon calling Citi and being directed to an automated message to mail or fax a dispute to them. I faxed the attached letter to them on XX/XX/2020 with no response whatsoever.

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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called and paid it immediately. I never received any phone calls, notices, or letters for this debt which violates my 30 day right to dispute. If I would of know of this debt I would have paid it off ASAP to avoid collections on my credit file. I need these collections removed from my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
Company is trying to collect a debt thats been added to my credit history more then once and Ive informed them I want that fixed before paying the only one instance of debt I owe, they call a few times a week. They called two days in a row XXXX and XXXX to give a example of the frequent calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I received a check for {$7500.00} that I deposited to my checking account on XXXX ; the check cleared the payor 's bank on XXXX. However, Wells Fargo is saying they are holding my funds until XX/XX/XXXX due to prior overdrafts on my account. It appears that I am being penalized for my prior history -- which has been exacerbated by Covid -- and that my funds are being withheld which has triggered a {$35.00} overdraft fee. On XX/XX/XXXX, I talked to multiple staff at Wells Fargo beginning with XXXX, then to her supervisor XXXX, then to XXXX who is a WF consumer advocate ( although there was no advocacy on her part. All she did was reiterate what the prior staff had said and provide a case number ). 
XXXX provided me with a case number XXXX. I stated that I felt their funds holding policy is exploitative, illegal and unfair -- especially during Covid -- and that holding my funds is creating a financial hardship. XXXX said that WF policy is to delay release of funds when there is a history of overdrafts.

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 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I sent my payment to td bank on time like I always do for XXXX. Its automatic in my bank account. I got a call on XX/XX/XXXX saying they were attempting to collect a debt and I had not paid my mortgage. After speaking w the representative it became clear they had received my payment and bc of a change in escrow analysis I owed {$14.00} more on a {$4400.00} mortgage so they didnt apply my payment. I paid on the phone the {$14.00} and then they charged me a {$170.00} fee. I spoke at length w td about how this is an unfair practice and that its not indicated anywhere on the bill that this is the practice- to withhold payment if its not in full. And that the practice is extremely off market. They refused to credit the fee. It seems egregious to me so Im contacting you to find out if its a fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This debt is no longer mine. Portfolio Recovery calls to collect on a debt that is not mine using a phone number from my general area which is not their number. I am on the do not call list. The debt they are claiming is 13 years old on top of that. I have asked repeatedly not to be contacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2020-11-12 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: NJ

Complaint narrative:
The creditor both failed to make any appropriate corrections to the account of the obligor as requited by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to conduct a reasonable investigation of the billing error, within two complete billing cycles of the consumer after receipt of the billing error notice reported 09/15/20, as required by 15 U.S.C.

1666 ( a ) ( 3 ) ( B ) ( ii ).

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