vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: KS

Complaint narrative:
on XX/XX/23 i invoiced my employer via square for the amount of {$3700.00} On XX/XX/23 the amount was paid in full I was promised the money would transfer to my bank account on XX/XX/23 On XX/XX/23 square asked me to complete some security questions on XX/XX/23 square rejected my responses XX/XX/23 i attempted to provide more information XX/XX/23 i called square and was told by a representative that i needed to provide my XXXX and drivers license and after that i would receive my money. 
XX/XX/23 my account was deactivated and i was told my funds would be held until XXXX XX/XX/23 i called square again and i was informed they didn't have any information for me and they wouldnt help me. i must wait for my LIVELIHOOD until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I received a letter in the US Mail on Saturday the XXXX stating I owed {$430.00} to PayPal. The reference number they gave me is XXXX and the account number is XXXX. I check my PayPal account and it show no outstanding balance. I contacted PayPal an confirm this. I believe XXXX XXXX XXXX XXXX is phishing to get me to pay when I dont owe any money. I contacted the collection agency and they said they are going to close this inquiry and sent it back to PayPal fraud department. This whole scenario sound like possible fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 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: AL

Complaint narrative:
I am recently out of bankruptcy and have made arrangements with my creditors to pay my debts. My payments to XXXX XXXX XXXX XXXX show a decreasing balance but my credit score is not reflecting this. The message on my credit report says, " this account needs your attention. '' It is showing negatively. I have reached out to the credit bureaus to dispute the info several times. XXXX says its up to the credit bureau to update my credit score. Please help!!

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 2023-01-23 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: Grain Technology, Inc.
State: VA

Complaint narrative:
This company has reported 2 missed payments on my credit report in XXXX. I have never been 60 days late not even 30 days late. I have had this problem before and they corrected it. I paid my account off in XXXX an have not withdrawn since. I should not have any balances with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
There is an inaccurate account on my credit reports with SAFCO that I have been disputing for some time now. I sent them a letter in the mail asking for validation of debt and have never heard back or received anything back from them in the mail. It is illegal to ignore a consumers requests and disputes for accounts on their credit report. It is also illegal to report account without valid proof and documents showing that this debt belongs to me. Please delete this account from my reports now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: IL

Complaint narrative:
On XX/XX/22 I sent a letter to all XXXX-credit bureau Transunion XXXX XXXX and XXXX regarding the inaccurate and unknown items on my credit report. To this day over XXXX days later I have not received a response yet. I feel I'm being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report if it's been over XXXX days and so, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me. 

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

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 2023-01-23 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: IL

Complaint narrative:
On XX/XX/22 I sent a letter to all 3-credit bureau XXXX XXXX XXXX and Experian regarding the inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel I'm being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report if it's been over 30 days and so, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me.

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

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 2023-01-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am trying to make arrangements to get a affordable payment plan with Select Portfolio Services. But refuse to do so. The debt was XXXX XX/XX/XXXX. 
Select Portfolio have it and XXXX XXXX XXXX. Select is refusing to work with me. Yes, I had a hardship plan with them around XXXX. And I was still in harder hardship, couldn't pay my payments. I want to make some kind of arrangement instead of filing bankruptcy. 
My account number on the select Portfolio is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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:
Date of Birth : XX/XX/XXXX SS # : XXXX I sent out letters to TransUnion, XXXX and XXXX requesting to Remove Inaccurate Credit Information off my credit report. 
I have the right to challenge and dispute any errors and any discrepancies on my personal credit report. 

I received a copy of my credit report and found the following items to be in error below XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The inquiry was not authorized XXXX BANK Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good morning. 

I'm a XXXX yr old widow. I'm facing a situation that is making me XXXX XXXX and I'm XXXX imagining that I may be homeless. In XXXX, I was assigned to a case XXXX from XXXX. Since XXXX I have been working closely with Chase and XXXX. There has been XXXX sale dates canceled because we are working on my case. 
First, Chase Bank had to give XXXX a reinstatement letter for XXXX which is what they fund. Chase provided me with a reinstatement letter for XXXX that was owed in XXXX, Which XXXX are in fees. I was left with no choice then to file a XXXX XXXX Report complaint. Chase response was stating that they will waive or remove the fees under the circumstances that XXXX sends them a letter stating I have applied for XXXX. I had XXXX sale dates which have been canceled since we are working with XXXX. On XX/XX/2022, I was told to send Chase a modification application. It was sent that same day to Chase. I was under the impression that finally I was resolving this issue. On XXXX XXXX, Chase sent me a letter with my options which were Short Sale and issued a SALE date for XXXX XXXX. They mention I did not have time to complete the modification program. I have been back and forth with Chase since XX/XX/2022 there has been more then enough time. I have the help from XXXX and Chase is making any reason not to accept the payment. This is something that needs to be heard. Chase should accept the payment from the XXXX the very main reason its been issued. They need to reinstate my loan with the XXXX as they said in written. They said once XXXX sends them a notice that I have a application with XXXX they would remove or waive fees. They need to reevaluate the actions they are taking as they are not correct. They are not doing as they said now time has past and they dont help. I have XXXX XXXX XXXX and I'm XXXX this is taking a big impact on my health. I live at the house with my XXXX teenage grandchildren both full time students. If I lose my house I will be homeless with my XXXX teenage grandchildren. This is devastating and I feel hopeless. Please help. I will greatly appreciate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 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: TX

Complaint narrative:
There is an inaccurate account on my credit report with Equifax for XXXX XXXX. I have sent both the Equifax and XXXX associates a letter requesting validation of debt and have not received anything back from either consumer reporting agencies. It is illegal for a consumer reporting agency to report an account without sufficient documents and proof that the debt belongs to me. It is also illegal for a consumer reporting agency to ignore a consumers dispute. I demand that this account is deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Client, the daughter of the borrower, came to an agreement with a Select Portfolio Servicing representative to submit a payment in the amount of {$1400.00} which would have been sufficient at the time to reinstate the loan. Client submitted a payment of {$1400.00} via XXXX XXXX, which was returned back to her after it was received by SPS with the explanation that it was received on the XXXX  of the month and was insufficient to reinstate together with the late fee that would have been assessed. 

If servicer had processed that payment as promised, our Client would not be in default and would not be facing the fees and costs of a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There was several situations when using my money the amounts are taken out of sequence amounts usage dates posted not as used but based on XXXX ram or reason. Which didnt make sense to me. Also I had several disputed charges that I didnt receive credit for nor an explanation on why not. Lots of discrepancies and disappearing money not accounted for.

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 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: MS

Complaint narrative:
Bonneville Collections is a scam company. They are located in XXXX XXXX, UT. See attachments. I do not owe this debt. Ive contacted this company several times and have explained that this debt is the result of stolen identity. XXXX XXXX XXXX takes a persons information over the phone to start a new utility service. The person isnt asked to come into their office to provide proof of identity or information to initiate utilities. This debt does not belong to me. Bonneville Collections and XXXX XXXX XXXX XXXX have destroyed my name and credibility. Theyve gone so far as to place this fraudulent debt on my credit report. Ive already had a pay a fraudulent debt with XXXX XXXX XXXX because someone initiated utilities with them too. XXXX XXXX does not have the customer come into their location to make sure the identity of the person requesting services matches state/government issued ID. These actions, by XXXX XXXX, XXXX XXXX XXXX and Bonneville Collections have caused XXXX, XXXX and tremendous XXXX  resulting in XXXX. I have contacted XXXX XXXX of XXXX. I will be looking for other agencies to contact about what has been allowed to happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX charges fees from Wells Fargo Bank

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 2023-01-23 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: Velocity Portfolio Group
State: NY

Complaint narrative:
XXXX, XXXX XXXX XXXX, CKS PRIME INVESTMENTS LLC and XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

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 2023-01-23 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and SPRING OAKS CAPITAL LLC has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sold my home XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/2020. Prior to this I did a loan modification with Wells Fargo because I was behind on my payments. I believe additional fees and costs were added to the loan when the modification was completed. When I sold the home the total owed due to modification was approximately XXXX. I was no where near delinquent to this amount Prior to the modification.

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 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
My underage son was reported to the Credit Collection Services by XXXX XXXX XXXX for the Covid19 testing performed by the school. The laboratory is in my insurance network and was fully paid with zero patient responsibility. I can provide all paperwork that I owe {$0.00}. The collection agency sent a bill to my XXXX XXXX XXXX son to collect the difference between what the lab charged the insurance company and what the insurance paid under the contract. XXXX and the lab confirmed that responsibility is zero dollars, but the lab still sent the balance to the collectors, which is against their own contract with the insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
I made a payment to Continental Finance ( XXXX XXXX XXXX  ) on XX/XX/22 when I got my XXXX check and since I have had this card I have always made my payments to them every month but now they're harassing me for more by phoning, mail and email. I had to resign my job recently due to medical issues ( I worked XXXX XXXX XXXX XXXX  ). I send them what I can as my husband became XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and isn't able to work and has filed for XXXX so we're down to just my income which I receive XXXX every month. Sometimes I get my money early and when I do I send them their money. I have sent a written letter letting them know that I sent them a payment and that they're harassment is a violation of the fair credit practices act and for them to stop harassing me and that they will get their money when I get mine. Plus they're charging me outrageous fees and interest. I am doing the best I can.

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