vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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: Block, Inc.
State: FL

Complaint narrative:
SQUARE Since XX/XX/2020 we started to sell products through our web page XXXX   and our e-commerce was Square. The first days we passedseveralcontrolsof safety verifications with Square. Since day one, Square knew that our clients in XXXX paid with pre-pay credit cards.We have 84 transactions without problems.Aftereach sale, we received from our clients the Payment Authorizations and we shipped their productos. The shipping policies are in our website XXXX. In XX/XX/XXXX, four XXXX  clients bought some products and each client paid {$1100.00}. Two hours after, we received the terrible email from Square Were sorry to inform you that we are deactivating your account. We reviewed you account and found that your Square account processed an excessive amount of prepaid card transactions, with violates the Square Seller Agreement, and your outstanding balanceof {$4700.00} will be reserved for up to 180 days ( but no less than 150 days ). It was terrible for us! We shipped all products to the clientes, and we received from their the Payments Authorizations.Until today, we have not been able to contact Square, they have a big wall, by phone we need a code, they dont have email. We have the payment authorizations and its no problem, its safe to us and to Square. Square wrote that if we need the money, we may refund the payment back to the cardholder account, but its impossible!!! the Argentinian banks said that we need resolve the problem with Square. Square knows that in XXXX banks dont exist payment back and that Chargebacks dont exist.You can read that in many forums on the internet many people complain about the same situation with Square.They do not find a solution.We discovered that square to all those small businesses thatholds their money for 90 days.Our sales have been to XXXX people and Square is discriminating and they are applying a return term of 180 days.This is very bad.Please, helps us, so Square can refund us our money, the pandemic is hitting strong our economic. We are a small home business. We did spontaneous videos, but the COVID changed our business life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP
State: WA

Complaint narrative:
i ordered a replacment card and have yet to recieve it i ordered it two months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have been contacted multiple times by XXXX XXXX about an auto loan that is past the statute of limitations in tn. The last payment on the acct was in 2009, and according to tn state law for debt, the sol is 6 years. This acct has gone through multiple collection agencies that have attempted to collect on this after the 6 yrs has passed. It has now been 11 years since last payment was made. I tried to advise company of this, and they threatened to have my very small monthly payment from the VA garnished to pay this, leaving me with less than enough $ to pay my Bills to keep my children and myself from being homeless. The agent stated they dont care about myself or my XXXX XXXX XXXX, they just care about their client getting my money. 
They also have never contacted by letter to advise of this debt, the amt owed, or confirmed the last payment made. Only reason made threats against me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Applied for refinance with same lender/servicer at end of XXXX, refi at lower rate, no appraisal necessary. Both my wife and I have excellent credit, in the 800 's, have never been late on a mortgage payment. We first purchased our home, primary residence last XXXX, XX/XX/2019. We have been run through the ringer with poor communication and miscommunication. We've jumped through all requirements expeditiously but still, almost 5 months later trying to refi. Agents, we've been passed around to several different agents, choose not to tell us if we still have the lowest 30 year fixed rate which was locked many months ago, even though mortgage rates have gone lower. We have received " clear to close '' several times but for some unknown reason, the loan gets kicked back to underwriting. This last time, we were told that the hold up was getting subordination department clearance, and we were told that it would be faster if we refi without the home equity line of credit, which has a balance of approximately ~ {$1900.00}. We want to close this refi asap so we told NewRez that we would just pay off the balance and refi without the 2nd home equity line of credit ( again we were told it would be in our best interest to get the loan done faster ). This refi has been the worst financing experience we've ever experienced and we have a lot of experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I attempted on several occasions to resolve a debt issue by offering a settlement and was ignored outright and then sued for the debt. When I attempted to resolve the debt after notification of the debt, they ignored me again to force a judgement in court. I last spoke to someone a week ago who said they would have a resolution in 24 hours and are not responding to my attempts to settle.

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 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$74.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

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

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$74.00} -This is not my account. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Fraud alert placed on my credit report XX/XX/XXXX. 

Called Transunion to report fraudulent reporting of inquiries on my account. I received no calls from creditors to verify the disputed inquiries as instructed in the alert. 

Inquiries as follows : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
The issue is with Wells Fargo and the use of the bank connected XXXX mobile transfer within their app. 

On XX/XX/XXXX and XXXX I made 2 transfers of money totaling {$500.00} and {$150.00} respectively. The only warnings of XXXX that WF provided is to make sure it is someone you know. I transfered the money to someone who is a mutual member of a XXXX group I follow, for a purchase we discussed in great detail including 16 emails. Once the 2 payments were sent the buyer deleted their XXXX account and no longer responded to emails.

I reached out to WF immediately for claims and they have refused to compensate in any ways claiming they are " with no error on our part ''. My issue was with the lack of warnings and protections that were not clearly communicated before transactions can be made. On WF  description of what is XXXX, words such as " secure '' appear and state that the service is operated and managed by WF when used through the WF app. 

On XX/XX/XXXX WF released an update across the platform creating more awareness and warnings for the lack of protection regarding the XXXX transfer service. The fact that WF knew there were issues with scams, that they didn't offer protection, and that the service did not properly display these concerns displays negligence on WF to protect its customers. WF should have preformed a hot fix or a temporary XXXX closure to secure or properly display warnings of transactions not being protected. 

On XX/XX/XXXX I received mail dated XX/XX/XXXX, declaring that WF would not offer to recoup any of the lost funds. ( see attached ) I have been a customer for over 5 years, and if WF can not properly assist they will lose my business. 

Claim numbers : {$500.00} : XXXX {$150.00} : 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 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$74.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$74.00} -This is not my account. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit Account # XXXX XXXX XXXX XXXX is XXXX on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX   is fraudulent on my XXXX Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I recieved a total of five fraudulent transactions on my Apple Card ( Goldman Sach 's Mastercard ) between XX/XX/2020 and XX/XX/2020. These charges are as follows : 1. XXXX, XXXX, AZ for XXXX on XX/XX/2020 2. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 XXXX. XXXX XXXX XXXX   and XXXX XXXX, XXXX, AZ for XXXX on XX/XX/2020 4. XXXX, XXXX, AZ for XXXX on XX/XX/2020 XXXX. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 After numerous conversations via chat and by phone, all charges were credited due to fraud except for the second XXXX charge made at XXXX on XX/XX/2020. The company is stating the vendor provided evidence that the charge was valid. This is impossible because I have never been to XXXX, and was in XXXX  for these days as shown by other charges on my statements. The first charge from XXXX was indeed deemed to be fraud, but they refuse to acknowledge the second charge for some reason. I requested the information used in the investigation as shown in the attached chat transcript with Apple Card support, was told they would provide it, and never did. I refuse to pay for a charge when it is obviously fraud, I can prove I was across the country when it was made, and all other associated charges were already proven to be fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express closed my " blue cash cash everyday '' credit card in XX/XX/2020 due to non usage for 12 months, 5 months of that falls during the pandemic. My balance on the account was {$0.00} ( i owed nothing and if anything i made an extra {$33.00} payment and American Express owes ME money ). My family and I have been hit hard by covid19 because we are in the XXXX  business and no parties/events are allowed in my area until further notice. They failed to present me ant type of terms of agreement or a clause that states during pandemic or covid19, card usages will be counted as normal and will count towards non usage. They have damaged my credit score and credibility by taking the wrong action and when i contacted them, they could only apologize for their mistake, even though one representative tried to reinstate my account ( after i told him that i will file a complaint with CFPB ) but told me i have to call another number to see if im eligible. They are giving me the run around for their mistake and refuse to help to defuse the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
DATE : XX/XX/2020 I'm refinancing my mortgage.On XX/XX/2020, the Escrow Company has appointment with me to sign myDocs and tells me I should pay off many credit cards and something else which I never know an d I never borrow. They give mea credit report that they ordered from XXXX XXXX XXXX XXXX. On credit report, the credit cards and financial companies I have not known and used below : ACCOUNT NUMBER BALANCE ( $ ) BK OF XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX AND MORE .... 
The credit report was run from XXXX XXXX XXXX Equifax shows Name XXXX XXXX XXXX XXXX not my name ) and SSN is not my SSN. 
I go online to get free credit report, Equifax and XXXX  ask me some security questions and said I should send mail or call. I call Equifax, the customer service asks me the security question and say they can not help me. I sent mail to Equifax on XXXX XXXX, 2020, and don't have answer. I get credit report from XXXX  ( because I paid ) It its correct. 
I would like Equifax and XXXX  fix problems immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX CARD Date of inquiry : XX/XX/XXXX XXXX XXXX SER Date of inquiry : XX/XX/XXXX XXXX XXXX NA Date of inquiry : XX/XX/XXXX XXXX  XXXX NA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a complaint of non-compliance against XXXX XXXX who sent a letter to on XX/XX/XXXX and Equifax on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to XXXX and EQ XXXX. The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have repeatedly told Portfolio recovery to not call my number anymore. However, they have now started to call everyday and all hours of the especially late night from different numbers such as XXXX, XXXX, XXXX and many other numbers. They have called everyday for over a month even after being asked to no longer contact this number.

Company response to consumer: Closed with non-monetary relief