vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I woke up and saw that my cashapp card was used for 3 transactions while i was asleep. I immediately emailed cashapp support and attempted to file a dispute. 

I was given the run around as the screenshoots and emails i printed and attached show. 

XXXX claimed in a email that my account was going to be credited provisionally for the transactions. However the credit was never applied. 

I asked about the credit to which i was tpld to wait 1-3 days. i asked again and was told that the credits are on my account but are not displayed and i will not have access to the money until the dispute is complete in 45 days. I was also told to not inquire about the disputes again. 

This is not the first time cashapp has mishandled disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
5/3 mortgage insurance services paid homeowners insurance for another individual out of my escrow account. The payment occurred on XXXX for {$630.00}. I noticed this because later on XXXX I saw that my normal insurance premium was paid out of my escrow. I first notified 5/3 on about XXXX. They explained what had happened and confirmed that the policy paid was not my policy. Since 5/3 have contacted me with updates a few times and I have contacted them several times. On XXXX XXXX notified me that the other person 's insurance had agreed to refund the premium. On XXXX they notified me that the refund had been processed by the other person 's insurance but was sent to the wrong XXXX XXXX XXXX On XXXX 5/3 notified me that the refund had occurred. I called back XXXX to inform them that I did not see any refund in my mortgage transaction list.I do not understand why it is the insurance company 's job to refund the money that 5/3 took from me. On or about XXXX XXXX sent me a statement of escrow increase showing that the {$630.00} made my escrow negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern ; I have recently requested that Equifax provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. 

I have challenged XXXX XXXX in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their responses came back that it was verified. Recently XXXX agreed that they can not verify the information and have deleted the reported information from my credit report. 

Equifax indicated that they verified the Dispute with XXXX, and XXXX. XXXX deleted the information, and I am attaching their reply. XXXX has until XX/XX/2021 to complete their investigation. 

I also provided a copy of a letter From the XXXX Bankruptcy XXXX XXXX Pennsylvania explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 

Equifax received the complaint on XX/XX/2021 and indicated that they finished their review on XX/XX/2021 ( case # XXXX ). On XX/XX/2021 case # XXXX disputed the findings, and offered up that XXXX still validated the information, this case was closed on XX/XX/2021. How much investigation was made? They did NOT contact the source of the invalid information, XXXX. 

Again, I received nothing except saying it came back as verified without documentation of my signature which are violations. 

Equifax has failed to respond to the requested action with the proof on how this information was reported to them, and can not verify the source of the information, with proof of my signature as well. As indicated by the bankruptcy court, this is questionable reporting, and should be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
XX/XX/2021 at XXXX was contacted by an Amshare representative in regards to a XXXX account. I requested written notification, representative informed me it was not sent out due to the fact the collection was only 1 day old and the just received the request to collect debt. Representative claimed it will be sent out. Never received written correspondence. XX/XX/2021 at XXXX, received a call from an Amshare representative in regards to debt collection. Informed her that I had requested and never received written correspondence, she said " Have a nice day '' and hung up. XX/XX/2021 at XXXX, received a call from an Amshare representative, informed her I was called earlier in the day and informed the previous representative that I request written correspondence that I have never received. Representative informed me that they do not send out written correspondence, they are solely electronic and online and will not send anything in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PROCOLLECT would verify the debt. So I took it upon myself to ask PROCOLLECT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-09-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX I wrote a dispute letter to Experian explaining my credit report indicates I have a charge off with XXXX XXXX XXXX XXXX that was charged off back in XXXX  of XXXX and since then the account has been repeatedly updating as charged off every month and to my understanding charged off accounts should not include a payment history and also manipulates the statue of limitations. I demanded a deletion and Experian completed the dispute by saying update and I reviewed my credit report after the dispute was completed and the monthly charge offs are still be reported on my credit

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 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am not familiar with this account. I have contacted Capital One concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Capital One has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America recently closed my credit card accounts on XX/XX/XXXX, would not refund my annual fee, explain the reason for the closure and they confiscated my accumulated rewards. 

The reason I was given was " irregular authorized user activity '' however they failed to tell me what that exactly was. This baffled me as I haven't added an authorized user since XXXX, I had only added three in the 12 months ( XXXX, XXXX and XXXX ) all of these users were added by me and work with my small business and there are no instances of fraud or irregular account usage. They said no reconsideration no ability to explain despite my legitimate business/corporation. 

This does not make sense as I have $ XXXX in investment assets with them, a checking account, three personal credit cards that they closed ( $ XXXX limit opened in XXXX of this year, $ XXXX limit opened in XXXX of XXXX, and $ XXXX opened in XXXX ) and a business card. I always pay in full every month. 


My credit score is around XXXX now ( refinancing so it's been higher before ) and in any other way I'd appear an ideal client ( high income etc )

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 2021-09-24 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This company failed to provide proof of debt I asked them to cease collection activities until proof of debt is received.. They have failed to provide the requested information which caused my credit score to drop 35 on XXXX XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 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: Nelnet, Inc.
State: UT

Complaint narrative:
My servicer is Nelnet which has now just sent me a bill for {$270.00} dollars after calling me several times regarding my " Lack of payment '', despite me sending a payment every pay period ( approximately every 2 weeks ), every time they call I explain that my pay period and amount of my paychecks preclude me from paying once a month. The person on the other end always says no problem, they will make a note of it, but the cycle repeats every month. Today ( XX/XX/2021 ) I received a bill from them for {$270.00} for payments not received. I'm tired of these bills and calls, not to mention that it will affect my credit rating. 
In a few weeks I will also be moving and greatly fear what is going to happen after my address changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: I.C. System, Inc.
State: IL

Complaint narrative:
This company failed to provide proof of debt I asked them to cease collection activities until proof of debt is received.. They have failed to provide the requested information which caused my credit score to drop 35 on XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Received a letter from a Collection Agency " Transworld Systems , Inc. '' on XX/XX/21. It stated an account was placed with them for collection from XXXX XXXX for {$2300.00}. 

I contacted XXXX XXXX ( located in XXXX XXXX, CA ) and was informed they did not have an account or name associated with their Fire Department regarding this issue. I was also told that XXXX XXXX does not use Transworld Systems , Inc. for debt collection. Person I talked with stated this was most likely a scam.

Contact name, address and telephone number for Transworld Systems, Inc : XXXX XXXX, License # XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX XXXX I called above phone number and was transferred to a recording. 

With that being said, please note we have never been to XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WI

Complaint narrative:
Approx a yr ago, Harris and Harris Limited called daily, sometimes 2 or 3 times a day, looking for a XXXX guy who owed debts. I contacted the company told a gal I was Not who they were looking for and stated my number was not his, and I wanted the calls stopped.They were beyond annoying and getting to be harassing. I reported this, the calls stopped, and now yesterday XX/XX/23, the calls started again. They are robo calls, female voice, and this last call came at XXXX XXXX. 
Harris and Harris Ltd actions are once again Harassing and this needs to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MI

Complaint narrative:
Over the course of several years, approx XXXX - XXXX, I repeatedly tried to enter an Income Based Repayment plan for my student loans with Fed Loans. I would contact customer service, fill out forms and send in my applications and never hear back. Eventually, I was able to successfully enter into an agreement. Additionally the pandemic has put accounts on hold. 

My problem is that my account shows missed payments over XXXX and XXXX, which are inappropriate because I was in contact with my lender and repeatedly submitting the necessary documents for an IBR plan. It is severely impacting my credit score as there are multiple accounts, due to multiple disbursement dates. There are 10 accounts, each reporting 2 missed payments of 90-119 days late, and 1 missed payment of 120-149 late - totaling 30 severely delinquent payments. 

I filed a credit dispute with Fed Loan during XXXX and received a response that my accounts were in good standing because of the pandemic hold. This did not address the account issues I was disputing in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MN

Complaint narrative:
on XX/XX/2021 I deposited {$1300.00} to My us bank checking in cash to pay for My laptop for college at XXXX. my card was being declined at XXXX XXXX so i called US bank who told Me I hit My spending liMit for today using the card so i would have to wait another day just to Make a purchase. well as soon as i go hoMe i see a {$700.00} charge froM XXXX and us bank just took its provisional credit back and charged Me fees for a fraudulent charge WHICH IS UNACCEPTABLE. now i will be reported to XXXX if us bank doesnt fix the error! I will be going to another financial institution and thats what I RECCOmmEND FOR EVERYONE ELSE! DO NOT PLAY WITH US B

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 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: TransferWise Ltd
State: NY

Complaint narrative:
This complaint is about XXXX, formerly known as Transferwise. 

On XX/XX/2021, I took a XXXX car service from XXXX XXXX airport. As this is a car service ordered through an app, the price is already set when you request the ride. When I accepted the ride, the price showed XXXX. However, I was subsequently charged XXXX. When I contacted XXXX regarding this, they claimed the driver manually added an additional short-term parking fee as well as a longer ride fee. When I explained to XXXX that the driver did NOT have to pay the fee, citing that there was no wait time and XXXX  has a specific area for ride service pick-up and no fee is charged to the drivers, XXXX  ignored this information and refused to credit the difference. Additionally, the driver intentionally took a longer route through central XXXX while he spoke on his handheld device and frequently stopped. A ride that should have taken approximately 1 hour took 1 hour and 52 minutes. 

XXXX  still refused to refund the difference of what was overcharged, so I then contacted XXXX  about the issue. It has now been two weeks and after first claiming that the would submit a chargeback, XXXX  is now refusing to dispute the transaction, despite me explaining that at no point in the XXXX app does the word " estimate '' come up, nor did it state that I would be charged additional fees for airport pick-up when I ordered the service. I do not believe that XXXX  is following US banking regulations in refusing to submit the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/2021 I sold my XXXX XXXX  XXXX truck to " XXXX ''. I received a letter dated XX/XX/2021 in the mail from XXXX stating my loan is delinquent and now I owe late charges. Since I work at XXXXXXXX XXXX  I brought this to the attention of my boss and explained the situation. He reached out to XXXX XXXX  and explained the situation and called XXXX XXXX XXXX XXXX to ask why the payoff was not sent on this account? We were told it was missed and was an error on their part and would be sent immediately and a letter will be provided to me showing this was an error on their part to clear my credit. I have not received the letter as of today ; however, did reach out to them again to get it.

XXXX said that they can provide me with a letter from the title and accounting department if needed to help assist.

Now my credit which I have been working so hard to get perfect in order to buy my first home is ruined. Please help I was on my way to almost an 800 beacon score when this happened, now I tried to get credit with XXXX and can't even get that now! : (

Company response to consumer: Closed with explanation