vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have an account with Cash App. My name is XXXX XXXX. The account with Cash App handle is $ XXXX and my email address which they use as user name is XXXX. On XXXX XX/XX/2021, I made a deposit to my Cash App account for {$3000.00}. There was {$4.00} in the account. After the deposit I had {$3000.00}. The following day on XXXX XX/XX/2021 i try to log in. I forgot my password and tried too many times login too many times and the account was locked. For months, I have try to get my account open without success. Cash App doesn't want to help me in any way, even though, I asked them many times for help. All I want is my money. Nothing else. I'm attaching all the conversations I had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX they closed my account so I dont have an account number. However Ive been waiting for my check for more than 2 months and I was told that because I didnt know the check was sent back they were going to keep it. Now I have to resubmit a form to send the check but that will take another 15 days. I have so much bills I need to pay and Chase does not care they just want to keep peoples money. And the person I spoke to was the rudest person ever they dont even let you talk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient began reporting in XXXX that my student loan is late/delinquent, but the COVID forbearance period is still in effect until XX/XX/2022. If they're doing this to me they're probably doing this for everyone else as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Our home used to be owned by XXXX XXXX XXXX who bought it from XXXX. Recently this year it was sold to Select Portfolio Home Loans. When it was transferred, XXXX didn't process a payment, and had us already showing we hadn't paid in XXXX. Select Portfolio already had us as late on a payment even though we had proof otherwise. My husband and i both make separate payments from separate banking accounts. You can not add the acct in your online account, or make partial payment, so we make bill pay through our own banking, My husband in the beginning could make his, and I couldn't and then somehow it switched, and i could, and he couldn't. In any case, we have been making payments, and he thought he was making his payments. We have been on the phone with select portfolio and our bank to prove the payments have been made and cashed. They go somewhere, no one knows where, and then its returned back into his bank account. We have shown proof of payment from both accounts from our banking statements. we opened a investigation in XXXX, and it's XXXX, and still nothing. Meanwhile i was advised to start the process for hardship so i don't lose my house. The only thing happening is Select calls me every day to go over the house, and then we have the same conversation, trying to get back to results of investigation. They advise it's been noted, and someone will reach out, and here we are yet again. We have made our payments, every month. I do not want to lose my house, i would love to refinance but how do you do that with a history by this lender that shows we are dysfunctional payees? This is unacceptable especially in the environment of Covid, we should be helping each other succeed ... .and instead, they are dragging their feet. I was on the phone the other day trying to sort it out with my Hud rep, and they kept stalling to put the mgr. on the phone, so clearly, they are not in the position of wanting to help, but rather drag it out. i need my house payment to reflect current. This is clearly an error on their side, and i want our credit, and history restored to show that we were in fact current this entire time. It is clearly not our fault that in your failure to investigate, and get any resolution. We have answered calls, made calls, emailed statements, shown proof, and discussed this more times than i can count. i never get the same rep so i am put through the torture of explaining it every single time, and the first comment is " do you plan on saving your home? you realize it's delingquent? ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: NC

Complaint narrative:
On XX/XX/21 and XX/XX/21 I have received a letter from disputes that I have made over fraudulent information concerning my consumer report over at TRANSUNION. I contacted TRANSUNION via phone about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( XXXX  and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell TRANSUNION whatever to report on my consumer report under FCRA. Failure for TRANSUNION to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit. They sent me back the investigation results however no true investigation was done. I am requesting a reinvestigation of this matter without the use of the XXXX system to verify the information on my consumer report that is pursuant to federal law and request evidence of that investigation pursuant to FCRA and the FDCPA.

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 2021-12-08 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I purchased ( 2 ) XXXX XXXX XXXX  XXXX 's for {$1900.00} on XXXX  on XX/XX/2021. I received one of the phone, but to find out when going to get it activated at my cell phone provider, that the phone was blacklisted, So it is basically a paper weight. I contacted XXXX Numerous times, and they were not helpful at all and would not help me. I contacted my Credit Card Provider ( American Express ) and explained that I had only received one of the products, and still was waiting on the other item. I waited about 2 more weeks, contacted XXXX once again to see where my item was and to see if they could help me with the other item as well, To find out that the other item was delivered, but was not received by me. I tried to get XXXX to help me with both of the items as I hadn't received one of the items and the other item was blacklisted and could not be used. They Refused. I then contacted my bank ( American Express ) and filed a dispute, the dispute got denied as XXXX was stating that I had received the items, This is about a month later. After seeing that the dispute was denied and they rebilled me for 2 items that one was blacklisted and the other was not delivered to me as they stated, I saw on the letter they sent me stating they were rebilling me for the purchase, that there was a signature but it was not mine, I then brought this to my banks attention, and once again we are disputing the charge again. We do this for about 2 months, With proof and everything that one item was unusable, and the other item was not delivered to me. We disputed the charge about 5 times. After the 5th time of being denied of the dispute, I called my bank once again and the guy stated i could do an insurance claim. So i go through the process of the Insurance claim with my bank, and provide everything they asked for, and once again was denied the claim. This has been a complete utter nightmare. When i pay off the remaining balance i will be closing my account with American Express. I thought they were suppose to protect the customer, But from my experience i see that, that is not true at all. They are the worst Bank i have ever dealt with and wouldn't recommend anyone to use them for banking at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
My Coinbase account was hacked via a sim swap attack around XX/XX/2021. Coinbase allowed a transfer of {$500.00} out of the account without sufficient funds in the account and is now attempting to collect these funds from me. I have proof that Coinbase allowed someone else to change the name, date of birth, and last XXXX of the social security number without confirming my photo ID which was used when first setting up that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I had a mortgage company pull my credit report. XXXX reports I owe XXXX dollars for my next payment. the balance is reported as being XXXX dollars. The statement reflects that I have a XXXX dollar credit limit, and XXXX dollars available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally closed my account without notice after I disputed XXXX fraudulent transactions. They sent XXXX dispute form which I returned with an error. For several months and with over XXXX phone calls I asked to resend the form so I could correct the problem and resubmit. As Ally never resent. They claimed they did but have no proof. Now they say the deadline has been missed. They Refuse to review call logs. They Refuse to honor dispute. They Refuse to send the form. They Refuse to explain why they closed the account. They Refuse to credit the account. As a result currently I'm out of nearly {$6000.00}. This appears to be a fraudulent banking practice. I need my money returned to me.

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 2021-12-08 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-08 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, This matter is with XXXX XXXXXXXX XXXX. I had a line of credit with them and each month I make a {$100.00} payment. In XXXX I made monthly payments as usual. Then I received a late notice ( I can not remember the exact date, but it was the later half of the year ). I called XXXX and found out my payments were going to an Unapplied Account, but they do see the payments and said they will move the funds over to my account. At that time, I did tell them that this had happened to me a few years back also ... my payments were being applied elsewhere, and then I would get a late notice, I had to call to get them to reapply it to my account... 
Then, a few months later in XXXX, it happened again, this time when I called, the Rep said the same thing again, that they see the payment but it's in the unapplied funds account. The difference this time was she told me that the loan had matured and I had to pay it off. So I said ok, and I paid it off. 
Fast forward to XXXX, I'm in the process of refinancing my home, and that was when I found out that XXXX reported me XXXX months paying late. I tried calling XXXX multiple times. First time they said their reporting is accurate, I tried disputing it but got no response. Third try got no response either. But the Rep told me she will send me the payment history on file and I can file a report with the Credit Bureaus. When I got that statement I sent it to my lender. He told me the statement was hard and confusing to read, which I do agree. But that goes to show that XXXX was messy applying my payments. So I printed out my payment history from my bank also, which clearly shows I made my payments each month, and made a payoff amount of {$4000.00} in XXXX. 
So my lender suggested I also file a dispute with the XXXX credit bureaus. He wrote the cover letter for me and told me to mail it with my payment history. So I Certified Mail them on XX/XX/XXXX. I received the Dispute Result letter yesterday XX/XX/XXXX. The results says the " Outcome Remains '' I feel that Experian also failed me. I sent in my payment history as proof that I was never late, and they didn't even take that into consideration. 
I would like to file this complaint on both XXXX XXXX  XXXX and Experian. XXXX XXXXXXXX XXXX for reporting inaccurate information and not correcting the issue, and Experian for not doing their due diligence on my behalf. 
I can send you the payment history statement that XXXX sent me and also my payment history that I printed out from my bank for you to review. 
Thank you for your time and I hope you can resolve this issue for me.

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 2021-12-08 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have received mail that doesn't is not mine please remove the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SYNCB/PAYPAL

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 2021-12-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining accounts that need to be removed from my credit report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Before XX/XX/XXXX my physical credit card was stolen. I did not notice the missing card until XX/XX/XXXX, when I noticed charges that I personally did not incur. The charges totaled {$920.00}. These charges were all made in brick and mortar store fronts. I immediately phoned Chase Bank 's fraud department to report the fraud. At first Chase was helpful, they immediately issued credits to my account, when asked if I should file a police report Chase said that would unnecessary. After almost two months I received an email from Chase that said a new notice had been posted to my account. After about 10 minutes of scouring their website I found the letter buried within my alone account. Much to my dismay the letter read that I was responsible for the listed charges with the only explanation being " I received benefit from these transactions. '' I called Chase the next day to better understand their decision. Their response was that because I admitted to two charges that occurred within the fraud period, I had been in possession of the card I reported stolen. I explained the two charges, one from XXXX company and the other from XXXX were both reoccurring purchases, which they would have noticed had they done any due diligences and looked at previous statements. Chase opened the case back up and said they would look into it. After 15 days Chase came back to me with the same answer, I was responsible for those transactions because " I received benefit ". At this point ( XXXX XX/XX/XXXX ) I called the local police department to file a report, unfortunately because of the gap in time there is nothing they can do as the security footage of these stores is not permanently stored. I am beyond frustrated, I pay my card balance in full every month and have been a Chase customer for over 7 years. My combined card limit is over {$40000.00}. This is the first fraud I've ever reported. I am extremely unimpressed with the lack of customer service I received throughout this entire process. It's not the money at this point, it's the principle. Hopefully someone sees this and if you ever have any fraud with Chase be sure to immediately file a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NC

Complaint narrative:
Sometime in XXXX or XXXX this derogatory remark of this company appeared on my credit showing that I owe XXXX from a company name Hunter Warfield and creditor name XXXXXXXX XXXX XXXX 
I tried to dispute this over and over again for the last few years but nothing was ever done XXXX XXXX XXXX. 
I called this creditor on XX/XX/XXXX to address the issue and what to do about getting this off my credit report. They instructed me to file a police report and notarized affidavit along with 2 forms of I.D . 
This is not my debt and a fraud attempt someone has used in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/21, Paypal Credit who is DBA Synchrony Bank, denied me my credit when i asked for a credit limit increase. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1691k. I have proof that Paypal Credit/ Synchrony Bank denied me of my own credit. Which is actually listed which sums up to an invoice {$40000.00} for said violations. ( {$10000.00} per violation which there was a total of 4 )

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