vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting the account with XXXX/XXXX XXXX/XXXX  inaccurately on my credit report. The account was paid and closed in XX/XX/2020. The balance is {$0.00}. However, the account status is reporting as 30 days late. This is inaccurate. I have disputed this information twice. It has not been corrected and the account is still reporting inaccurately on my report. XXXX XXXX advised me that they have reported the account as paid to the credit bureaus and the account should reflect this and should no longer report as 30 days late.

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 2021-02-17 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:
I pulled my credit report last month and noticed their are some accounts on my report that I do not recognize. I did not benefit from the accounts in any way nor did give anyone permission to use my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX continues to report a debt of {$330.00} that was paid to the original creditor 10 CITY OF XXXX UTILITIES. This debt was paid to the original creditor prior to shutting my utility service back in 2016. Attached is proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: AZ

Complaint narrative:
I transfered over my vehicle to someone else. In trying to get the title. The lien was on the title for the company XXXX XXXX which went bankrupt in 2010 and they transferred the paper to XXXX in attempt to contact them they transferred the paper to Cascade XXXX but when the person I transferred the vehicle to tried to contact them they wont give any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I tried to make a payment at an atm on XX/XX/2020 for {$130.00} and the atm took my payment and gave me a receipt with a number to call. The is interesting due to I took payment from one credit before I tried to pay and I " also '' have proof of this transaction as well. 

The encounter was at bank of america atm on XX/XX/2020 at XXXX XXXX. The location was 8 mile & XXXX in XXXX Michigan. The receipt # XXXX. I had to wait for 2 billing cycles and was told I would have an answer by XX/XX/XXXX. They implied not to pay my card until the problem was resolved and I would have had late payments on my credit file by now. 

Please have to issue my payment back to my card and wave interest charges for one month because I had to pay interest on coming up with the payment to repay the payment that was taken. We should not have to wait two months on something that was not a customer fault especially during XXXX time. It is a really unfair method.

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 monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
This complaint is in tandem with an open complaint I currently have withXX/XX/XXXXXXXX XXXX through the CPFB. 

My phone was stolen on XX/XX/XXXX of 2020. The perpetrator used my phone to transfer XXXXUSD from my checking account held at XX/XX/XXXXXXXX into my CashApp account. They then used my CashApp account to transfer said funds into another unkown CashApp account. The transfers occured at XXXX. The CashApp company then sent an email to me stating they needed identify verification at XXXX, same date. I have attempted the proper channels to resolve this matter with XX/XX/XXXX fraud department with supporting evidence and witnesses, but have been denied more than 5 times. Supporting evidence includes a XXXX Police Report. I attempted to contact CashApp regarding the situation, and at most all I received was an e-mail stating they had elected to close my account. Within that e-mail, they stated they would provide no further information. Please help! This has lowered my quality of living and caused stress and pain and suffering. 

XX/XX/XXXXattempts to verify my identiy came only in the form of a simple text message with simple requirements of replying 'YES ' or 'NO '. This has been their statement to me multiple times. Needless to say, the perpetrator had an easy time verifying with the bank by simply replying 'YES '. CashApp attempted their identiy verificiation some XXXX hours ( too little too late ) after having already made such large transfers. PLEASE HELP! 

I have all necessary supporting evidence and witnesses needed! 

Please contact me directly for supporting evidence!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been trying to get my account unlocked with Navy Federal, I took all the steps they asked me to and they are STILL refusing to give me my money. My tax refund is about to get deposited along with my paycheck i am a single mother with a XXXX year old and this is the only money i have they wont give me an update as to whats going on or why I cant get my money. If i cant resolve this soon i will not be able to pay my rent and my child and I will be homeless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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:
I have sent letters to all three XXXX, TransUnion, and XXXX  about having fraudulent names and addresses on my credit report. I've called several times and they say they can't remove these addresses and names that are not mine and that is causing fraud on my report. By FDCPA, they are required to make sure my credit report is 100 % accurate and it is not.

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 2021-02-17 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: CITIBANK, N.A.
State: OK

Complaint narrative:
In the XXXX statement I had XXXX ( ish ) dollars of charges I did not make. I have refused to pay and have contested them. I stopped autopay and they still tried the next month to debit by account! UNAUTHORIZED!! I will pay my what I charged but not the ones I did not. They have threatened me through email. Citibank is the card.

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 2021-02-17 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: GA

Complaint narrative:
I am writing to you as I have no any other choice. Somebody used my personal information and I do not know what to do now ... I saw my report and I got shocked. Can not understand what to do and I decided to write you guys. Those accounts are not mine and I do not recognize them I think its fraud and I am victim of Identity theft. Is there any investigation that you guys provide? I want to apply this investigation and that you can check as I do not want to have somebody else info in my own credit report also I wanted to apply for credit but I can not now since I have these accounts and since they damaged my score. I am very curious how come I have this misleading and I ask you to delete it please asap

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 2021-02-17 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: GA

Complaint narrative:
I am writing to you as I have no any other choice. Somebody used my personal information and I do not know what to do now ... I saw my report and I got shocked. Can not understand what to do and I decided to write you guys. Those accounts are not mine and I do not recognize them I think its fraud and I am victim of Identity theft. Is there any investigation that you guys provide? I want to apply this investigation and that you can check as I do not want to have somebody else info in my own credit report also I wanted to apply for credit but I can not now since I have these accounts and since they damaged my score. I am very curious how come I have this misleading and I ask you to delete it please asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CT

Complaint narrative:
I was sent a Visa gift Debit card for {$100.00} when I 1ST went to use it did not work I called the phone # on the card XXXX they told me the card had a XXXX balance Also someone called in to register the card in there name ( this was FRAUD ) I was told to provide the following info : 1 Copy of VISA Debit Card front & Back 2 Prepaid card receipt 3 My Driver 's License 4 Cover Letter The first time I sent this Info one phone Rep said it was received 2 weeks later told they have no record of my info 2ND time I FAXED the info TOLD ME TO USE THIS ID # XXXX PLEASE CHECK with US bank NATIONAL ASSOC last CALLED TOLD TO GET A POLICE REPORT FOR {$100.00} always a new request from card holder services ( big run around ) I TRYED TO GET VISA INVOLED NO HELP DID NOT CARE!

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: HI

Complaint narrative:
I was sent a bill for XXXX dollars from XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I never owed them any money. When I left XXXX XXXX because they refused a small loan I was given this outrageous bill. My account may have been overdrawn by XXXX or XXXX dollars however they are exaggerating this to thousand and more. Not only that XXXX XXXX XXXX XXXX signed a contract that they would not do anything negatively to my credit however I am now being threatened by this company and they are stalking me. After trying to go online to XXXX XXXX website recently to resolve a small overdraft I was immediately called by a debt collector and began receiving mail from them. I did not give them my phone number or address. I am now being stalked by a credit repair union over a small overdraft that is exaggerated to over a XXXX  dollars.

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 2021-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
Round point merged or XXXX bought them out not sure but there are multiple 30 days late, 60 days late, 120 days late on our account when Roundpoint didn't even own our account XXXX did. Now we have sold our home and now can't get another mortgage because of this discrepancy. I want this taken care if. If we didn't have Roundpoint since XXXX how can they report us late in 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 2021-02-17 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: DISCOVER BANK
State: OH

Complaint narrative:
On XXXX XXXXXXXX XXXX, DISCOVER BANK add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In the spring of XXXX, we opted to have our mortgage put in forbearance due to job loss by my husband. Bank of America called weekly and daily asking when we planned to pay ... everytime we told them we planned to resume mortgage payments in XXXX once my husband was back working, which we did. The bank sent a letter giving us an option enter a deferral and said to submit payment by XXXX XXXX to accept the terms, which we did. We paid online as usual and paid our mortgage HOWEVER the amount that Bank of America had posted online was different from what our letter indicated was the amount due which we did not realize. Bank of America did not update the amount on their website and we paid what was noted as the amount we owed for that date. We continued to receive calls from Bank of America indicating our mortgage was still in forbearance at which time we realized the discrepancy. On XXXX XXXX, XXXX, my husband ( XXXX XXXX ) spoke wo XXXX XXXX and said if we paid the {$15.00} then we would be all set and the mortgage would automatically come out of forebearance, which we did do. However calls continued indicating our mortgage was still in forebearance. We were told that today we would have this matter resolved yet today we called and the issue is still not resolved. We want to be able to refinance our home mortgage and take advantage of the low rates, however we can not since our home is still noted as in forebearance. WE NEED THIS RESOLVED. I do not want to keep going in circles with Bank of America. We have a made a total of 15 calls to their call center all of which were recorded and we expect this matter resolved otherwise we will take legal action. We have been paying our mortgage however this month decided not to until this matter is resolved since our account is still marked in forebearance. This experience has caused us substantial mental stress.

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 2021-02-17 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This company NEVER sent a response as to why I was " approved '' and then declined. They have never emailed me to contact me about this matter, yet they lie and claim they contacted me. No emails whatsoever. 

As I stated previously, when I called to check the status of the application it had NOT went to underwriting according to their agent but I was approved as underwriting was the final step. I was also PROMISED by their agent that my credit would only be pulled once it went to underwriting which at that point it had not. They confirmed their agent made a mistake. 

That said, had the agent said it was a pre-approval then I would have never continued the process and there would have been no need to check my credit creating 2 inquiries by Headway  Capital on my credit report. 

So no, I did NOT knowingly give authorization as that was only done AFTER I was told by their agent that I was completely approved. This company has yet to email me anything and I have asked for an emailed response ONLY! 

Still waiting to hear back from the company that lies repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed a copy of my credit file and found the following items reporting as a result of identity theft : XXXX XXXX XXXXXXXX - Bal : {$96.00} .. showing charged off XXXX - Bal : {$3500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bal : {$650.00} XXXX XXXX  - XXXX XXXX Bal : {$790.00} XXXX XXXX XXXX XXXX XXXX Bal : {$450.00} Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a formal complaint against BBVA USA located in XXXX, AL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, [ insert CAs name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

Below would be the following dates I sent my letters to them : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: CT

Complaint narrative:
On XX/XX/2021, my XXXX year old son received a solicitation to open/use a NETSPEND XXXX by XXXX card. He does not have a job and did not apply for this card. When I tried to contact the company to see why he was sent the card, I could only reach a voice prompt that said I could press 1 to activate the card or 2 to deny the card. When I pressed 2, I was told I had to enter the card number and the # sign for this option. I was not comfortable with doing this option. 

I do not think it is right for a bank to reach out to a minor with this type of offer.

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