vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Transworld Systems Inc ( Collection Agency ) is attempting to collect inaccurate debt for an apartment complex ( XXXX XXXX XXXX. ) However, after several written disputes this collection agency refuses to remove the inaccurate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I live in XXXX, TX. I have a CashApp account where I had a total amount of {$3200.00} On saturday XX/XX/XXXX at XXXX, an unknown transaction was made suing my CashApp information at XXXX XXXX XXXX  '' in XXXX XXXX , NJ of {$0.00}. The second transaction was made at XXXX in ''XXXX XXXX '' in XXXX, NY for {$1.00}. Starting at XXXX and stopping at XXXX, 30 transactions od {$100.00} each were made at XXXX in XXXX XXXX , NY. The last transaction of {$100.00} was declined due to not having enough money in my account. Starting at XXXX and stopping at XXXX, 3 transactions of {$25.00} were made until the third one got decline because I transfer the last {$24.00} that were left in my account to my Bank and I proceed with the deactivation of the card made by me, XXXX XXXX XXXX XXXX , because I didn't know who was withdrawing this money from my account. I got {$3200.00} stolen from my CashApp account on Saturday XX/XX/XXXX and nobody is helping or assisting me through this situation. 

After disabling my CashApp card, I tried reaching to CashApp customer service through phone, where only a machine gives you directions to report your card as stolen or lost, or instructions about how to reach CashApp through email, and they will be available to contact me in 48hrs. I've sent 3 emails to CashApp, it's been more than 48hrs and they haven't reached out to me through email. I left my phone number too and haven't gotten any calls back.I texted them through their social medias such as XXXX, and through XXXX I reached out to CashApp account and also CashAppSupport account privately and commenting on posts, and nothing has happened. 

I placed a police report for Fraud and accepted to press charges towards this company. 
I lost the money I've been saving to return to school through an App that is not taking or showing responsibility towards my situation. They are not responding back to me, and I would like to make a claim towards this business, hoping this can help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have repeatedly expressed to the creditor that I am a a fraud victim by a family member. Only to now find that the charge is in collections and on my credit report by Portfolio Recovery a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Your questions are ridiculous. The problem is your system. It will not let me link to the government agency so they can deposit my XXXX loan!!! It says they have made a change and it will not let me link it!! Can you fix this? Hurry! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I received a payoff amount from Bank of America. I went the next day, got a Cashier 's Check in the amount of $ XXXX and sent to them in the exact amount they provided to me. They did not process the check until XX/XX/2020 and debited my account for approximately {$700.00} more than was owed ( my normal monthly mortgage payment ) ( XXXX ). Long story made short, they applied the entire payment to payoff the loan, added the excess to the escrow, sent my Cashier 's Check back to me and charged me one day of interest. It appears they did not take into consideration that there was a $ XXXX shortfall in the escrow account when providing the payoff. 

I spoke with them on XX/XX/XXXX after seeing the payment processed and was assured that the payment would be returned to me within 10 days. The Cashier 's Check purchased for the payoff was sent back to me on the XXXX of the month. I had called twice by then. The third call I made was on XX/XX/XXXX. That is the date on the envelope in which the return payment was made, although the check was dated the XXXX of XXXX. Curious that the check was mailed on the very day I suggested that I would be filing a CFPB complaint. 

I have asked them to pay the amount of the CC purchase ( {$5.00} ), the {$30.00} stop payment fee I paid to avoid a subsequent auto-debit to my account and the one day of interest. Crickets. 

My questions are : 1. Why did they not review the escrow balance when quoting the payoff? 
2. Why did it take so long to process the payoff? ( I received their check in 3 days ) 3. Why did they debit the total payment, hugely in excess of what was owed? 
4. Why was I not told on the first 2 calls how the payment was applied? 
5. Why was the return payment not made via ACH, which is the method by which they received payment? 
6. Why did it take 3 calls, on each of which I was told the check had been mailed on XX/XX/XXXX ( it hadn't even been cut yet )? 
7. Why did it take 7 days to mail the check once it was produced?

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 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
Axos Bank failed to pay my homeowners insurance through the escrow account I have in a timely manner. As a result, I needed to pay a {$10.00} late fee to the insurance company, which I did. To obtain reimbursement from Axos Bank 's for the late payment I paid directly to the insurnace company, I contacted Axos Bank by phone and was told to submit my reimbursement request by email. Included in the email I sent to Axos was proof of the {$10.00} late fee being charged and me paying the late fee. At this time I still have not received reimbursement for the late fee and this issue began in XXXX XXXX. 

A similar issue occurred in XXXX when Axos Bank failed to pay my homeowners insurance in a timely manner. A late fee was not charged in XXXX, as I directly paid the insurance company prior to a late fee being assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have not received my full credit report with score and would like my credit report.

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 2020-07-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
This is my second FCPB complaint with Freedom Mortgage, A loan officer called me after 3 weeks of trying to get ahold of them. They promised the world and would help me out, My credit score met the minimum but after they ran my credit it drop by 2 points and I was denied. They have refused to contact me their customer and explain the situation or even try to work with me. So far I have spent over 1 month trying with my lender to refinance my loan and have had no luck or no one to speak with with the exception of 1 20 mn phone call and nothing after that.

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 2020-07-13 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:
Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I have sent multiple letters to National Credit Adjusters about a debt on my credit report that they said that I owe their company. On my credit report, it states I opened an account with them on XX/XX/2019, in the amount of {$1200.00}. I have reached out to the credit bureau to do an investigation as well. They are also are not sending me any documentation with my actual signature or a contract to provide that the debt of {$1200.00} belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I initiated an international wire transfer with Bank of America to XXXX XXXX XXXX on XX/XX/2020 and was charged {$45.00} to do so. The money was not received by the Payee. XXXX XXXX attempted to investigate using the transfer information I provided : WIRE TYPE : INTL OUT DATE:XXXX TIME:XXXX ET TRN:XXXX SERVICE REF:XXXX XXXX : XXXX XXXX XXXX IDXXXX XXXX XXXX : XXXX XXXX XXXX ID : XXXX PMT DETXXXX XXXX WEBSITE DEVELOPMENT XXXX XXXX. 
XXXX XXXX requested an MT 103 form which I requested from my business bank representative who could not provide it and referred me to the toll free number where they did not have the information either. The XXXX XXXX  representative then wanted to talk to a representative from Bank of America so it could be sorted out, but my rep was not willing to do it and referred me to the wire transfer toll free number where there was not a way to assign a contact person ( they only answer calls ). 
I then paid for a wire trace : WIRE TYPE : BOOK OUT DATE:XXXX TIME:XXXX ET XXXX RELATED REF : XXXX XXXX  : COMMISSIONS IDXXXX PMT DET : INVESTIGA TION FEE XXXX XXXX for another {$25.00} on XX/XX/2020. 
I was told I should hear back in 2 to 3 business days. I still had not heard back and complained to my business rep 1 week after the trace. The rep, once again, did very little to help ... .. and referred me back to the toll free wire transfer toll line. In the meantime I was forced to pay the vendor {$4400.00} dollars to keep our project moving forward. 
I sent a written complaint 2 days ago and after pursuing the case again today, there is still no progress in finding the money. I'm utterly frustrated and feel powerless to recover the money. It has been 6 weeks and {$75.00} in fees to lose {$4400.00}, pay an extra {$4400.00} with a different bank + fees, spend hours of time on the phone only to receive terrible customer service. This is all without mentioning my embarrassment with the vendor who was working in good faith.

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 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have filed XXXX XXXX for the past 6 years with the IRS. I dont use an EIN as I am an XXXX XXXX and get paid. Cash or XXXX   deposits. When COVID hit, my business started going under. I utlitized the SBA grant and received a grant deposit of {$1000.00}. Not the loan. I was told my account was high risk and my account was frozen and is under investigation. I went to the branch days before and they agreed to remove the funds until they completed the investigation and allow me full access to my account. They then froze my account Sunday after removing the SBA funds and lifting my account. I have proof of my tax filing and the SBA loan was deposited into my account with my legal name on it. I filed the application with my legal name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, Transfer my mortgage to a next company and for some reason they reporting on my credit report as delinquency and late payment which is incorrect I was never 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 2020-07-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, Transfer my mortgage to a next company and for some reason they reporting on my credit report as delinquency and late payment which is incorrect I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Conduent Incorporated
State: TN

Complaint narrative:
I reported my card stolen and ordered a new card XX/XX/2020. I am not able to enroll in direct deposit so I can access my money thru another account. So I am stuck waiting on this replacement card which is supposed to come in 7-10 business days! I have no way of paying my bills or providing for my family right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
They took An unauthorized amount from my banking account. I disputed it with my bank and got my money back. I tried speaking with a supervisor about the wrong amount they took and they basically told me I was out of luck. I did not pay the payday loan because of the bad business. They keep harassing me and have threatened to arrest me. Theyre calling family when I have not given them that information nor permission. This is a horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: PNC Bank N.A.
State: IL

Complaint narrative:
I want to be able to link my bank on apps that I want to with my permission but I don't know who's stopping me or whats stopping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: WA

Complaint narrative:
Hello CFPB, I previously submitted a complaint to the CFPB regarding this issue. Supposedly the company responded to the CFPB, but I was unable to access anything b/c the CFPB didn't have my contact information correct to be able to match to the complaint and create an online CFPB account. I tried faxing my correct contact information to the CFPB but it appears that now the account/complaint has been closed. That complaint number was XXXX. The complaint to the CFPB was submitted on XX/XX/XXXX. 

My issue is with the credit reporting on a student loan I have with XXXX XXXX. They have incorrectly reported to credit agencies that I have not made payments, when I have, and the balance is incorrect as well. I have been making on-time payments since XX/XX/XXXX and these- and the decreasing balance- have not been correctly reported to credit agencies. This has majorly affected my credit score- and that of my co-signor as well. I tried working with XXXX XXXX directly but they were unable to fix it and asked me to officially dispute. 

I sent my original complaint directly to XXXX XXXX, via first class and certified mail, to three separate addresses supplied by XXXX. One of the address was the address reported by them on my credit report. The other two addresses were off their website. I have yet to receive any sort of response directly from XXXX and it has been almost two months.

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 2020-07-13 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: GA

Complaint narrative:
Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.

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 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  has made super hard the process if paying off my XXXX Credit Card for my business XXXX XXXX XXXX XXXX as of today and after calling XXXX I was able to pay XXXX average balance in the card. 

I have reach to XXXX excutive office trying to let them know of the situation as they have report to my personal credit due the fact that i was added as a co guarantor something i didnt know but they sent their agreement on the card so i have no option. 

I has no able to pay the card before because we are on the Music Industry and our business has been close with zero income, i am on the middle of moving and this negative reporting on my personal credit is hurting my avility of seeking for a new apartment as my credit score is super low since there is a negative reporting plus a over utilization on my cards, i was neither able to get approved for the SBA loan since my credit is bad due to this, this is the first time i ever been late in a payment and i am trying to seek the XXXX XXXX  to understand the situation and knowing that the business has take care of the FULL balance by paying over the phone and the Confirmation is XXXX i will like for XXXX to remove the reporting on my personal credit as i am no any longer responsable for debt as there is NO debt any longer

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 2020-07-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  has made super hard the process if paying off my Business Credit Card for my XXXX XXXX XXXX XXXX XXXX as of today and after calling XXXX I was able to pay XXXX average balance in the card. 

I have reach to XXXX excutive office trying to let them know of the situation as they have report to my personal credit due the fact that i was added as a co guarantor something i didnt know but they sent their agreement on the card so i have no option. 

I has no able to pay the card before because we are on the XXXX XXXX and our XXXX has been close with XXXX income, i am on the middle of moving and this negative reporting on my personal credit is hurting my avility of seeking for a new apartment as my credit score is super low since there is a negative reporting plus a over utilization on my cards, i was neither able to get approved for the SBA loan since my credit is bad due to this, this is the first time i ever been late in a payment and i am trying to seek the XXXX XXXX   to understand the situation and knowing that the XXXX  has take care of the FULL balance by paying over the phone and the Confirmation is XXXX i will like for XXXX to remove the reporting on my personal credit as i am no any longer responsable for debt as there is NO debt any longer

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