vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I bought something from someone using cash app from XXXX and he told me that cash app had emailed him and said that it requested a refund for the money I sent to him previously, twice, both for XXXX dollars. Cash app said I did, but also said the guy had the money but couldnt tell me where my money was if it was refunded in the first place. Turned out to be a scam, as you can see from the screenshots are a scam, I never received the computer I paid for and I had to file a dispute with my bank and having to submit a police report because this is now considered a felony because its over {$500.00}. And cash app wont tell me where my money is or give me my refund, which is around $ XXXX. I will submit all screenshots if needed. But cash app needs to be held reliable as well! This is horrid customer service. PLEASE LEARN FROM MY MISTAKE. PLEASE MARK OUT ALL PERSONAL INFO, I DID NOT HAVE TIME TO DO IT FOR THE SAKE OF GETTING THIS COMPLETED BY THE END OF THE WEEK. THANK YOU IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The company XXXX and Experian included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family.

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 2021-09-12 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: TN

Complaint narrative:
ive been victim of identity theft.

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 2021-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The company TransUnion and XXXX included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family.

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 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am working to correct all of the inaccurate information on my credit report due to irresponsible reporting and fraudulent bankruptcy attorney ( Attorney XXXX XXXX ) ( who is involved with and have bankruptcy debt buyers only wanting chapter XXXX and XXXX debt ) listed in my bankruptcy. And have my entire credit report completely ruined. I continue to find accounts that should not be on my report. 

I will attach an account that has been re-aged and not at all showing, reporting or listed. Please have this account completely and permanently removed/deleted. Not hidden to be available for other programs to secretly report. I want this permanently removed. 

It ; s been OVER 7 years and has no business listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am working to correct all of the inaccurate information on my credit report due to irresponsible reporting and fraudulent bankruptcy attorney ( Attorney XXXX XXXX ) ( who is involved with and have bankruptcy debt buyers only wanting chapter XXXX and XXXX debt ) listed in my bankruptcy. And have my entire credit report completely ruined. I continue to find accounts that should not be on my report. 

I will attach an account that has been re-aged and not at all showing, reporting or listed. Please have this account completely and permanently removed/deleted. Not hidden to be available for other programs to secretly report. I want this permanently removed. 

It ; s been OVER 7 years and has no business listed.

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 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am working to correct all of the inaccurate information on my credit report due to irresponsible reporting and fraudulent bankruptcy attorney ( Attorney XXXX XXXX ) ( who is involved with and have bankruptcy debt buyers only wanting chapter XXXX and XXXX debt ) listed in my bankruptcy. And have my entire credit report completely ruined. I continue to find accounts that should not be on my report. 

I will attach an account that has been re-aged and not at all showing, reporting or listed. Please have this account completely and permanently removed/deleted. Not hidden to be available for other programs to secretly report. I want this permanently removed. 

It ; s been OVER 7 years and has no business listed.

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 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
I initially sent an email to Credit Karma on XX/XX/XXXX because my XXXX report hadnt updated since XX/XX/XXXX. I received an email that it was escalated to the appropriate team. One month later, I am still awaiting a voluntary response from Credit Karma. I have to send emails and still get the same stock answer, it is already being reviewed. I decided to cancel my account. Foolishly I had opened a Credit Spend account ( which had a XXXX balance ), which was preventing me from closing the CK account. I called and requested this to be closed right away as I didnt wish to do business with this company any longer. After the phone call I had to answer some questions in an email that was sent. I answered the questions and I got the response that THIS request also had to be escalated. I sent an email today that I am revoking my permission to have them access my personal information. I am sure it will do no good, so I came here. Hopefully you can help. 

XXXX XXXX SSN XXXX. DOB XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery calls and refuses to identify themselves. After repeated calls and telling them to remove me from their contact list, they keep calling. I block the number, but they call from a different number every time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On Friday the XXXX  of XXXX I returned home from work and was receiving a tremendous number of verification codes on my phone when I was not using it. I realized my accounts were being hacked. I called my bank immediately when they were open at XXXX. I found them not be be helpful with the situation. I made continuous calls requesting assistance to secure my account. On Sunday the XXXX of XXXX I was on the phone with a representative who was trying to help me transfer the XXXX that I had in my saving account when he asked me if I had an XXXX account and I stated no. He said the hackers were in my account and were changing my E-mail and password. I started yelling can't you stope them and he said no. They he stated they were moving money around. Again completely dumbfounded that the bank rep was watching this without doing anything I was begging for him to stop them. Since my password was change my bank Chime a subsidiary of XXXX would not allow me any access to my funds. Infract they allowed the hackers to move XXXX out of my account and transfer it to XXXX without my authorization. because the hackers knew the password that change my account to and I did not. I had to send copies of me standing with my ID, SS card, prof of address to them and they still did not protect me account or allow me to pull my money out. They left me with no funds, sent back my direct deposit after I told them I needed them to let me have that money I am a single mother. I finally gave up and closed my account allowing another direct deposit to go back. They said they would expedite my check so I would have funds to feed my son. However as of todays date XX/XX/2021 they have not even processed the check. My back did not support me or protect me when the XXXX was rejected by fidelity the entire XXXX did not come back there is still money missing They are telling me there is only XXXX in my account I do not know where the rest of my funds went and Chime is not helping me. After further research since XX/XX/2021 it has been reported that Chime has had over 900 complaints regarding very similar situations. Not allowing people access to their money and holding their money. I also found out that Chime is no longer allowed to say Chime Bank. Please help and direct me to someone who can help me find my money and get it back in a timely fashion. I really need my funds to be returned to me. Thank you for your time Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Hello, The bank doesnt have the option to block my card or all my transaction in case my card information is stolen. This is a very concern security issue. Also, customer services is really bad and trying to blame the customer instead of fixing the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX calls and refuses to identify themselves. After repeated calls and telling them to remove me from their contact list, they keep calling. I block the number, but they call from a different number every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My phone was stolen on the evening of the XX/XX/2021 and they loged into my wells Fargo Bank AP and did five transfer using XXXX totaling XXXX Dollar 's and they won't refund my money I have a police report that I sent to them along with a receipt for the new phone I had to buy still nothing was done

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 2021-09-12 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: VA

Complaint narrative:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo bank has taken advantage of me as the other customers and consumers for forcing those past employees to open up fake accounts I believe XXXX XXXX accounts with out the permission and authorization and consent of the consumers and customers that trusted Wells Fargo bank to help us to become financially stable and in which Wells Fargo bank has lost the trust of those customers and consumers that trusted Wells Fargo bank to help those customers and consumers to become financially stable. And also I want to share this information with you all. What if those past employees has a family member that has a XXXX son or daughter will Wells Fargo bank take away from those past employees of Wells Fargo take advantage of them that suffers with XXXX  and XXXX  XXXX. And take food out of those families that are struggling to provide for their families and will those that are still working at Wells Fargo bank to take the food out of their families mouth? I know that if I know that if I I had a family of my own I would not like it at all. Wells Fargo bank has been doing this for years. But when a consumer and customers find out about all of these illegal activities that Wells Fargo bank has and continues to even this day Wells Fargo bank still are taking advantage of the consumers and customers that trusted Wells Fargo bank to help them. And not only I have been taking advantage of but all of us has trusted Wells Fargo bank to help us. When you or anyone as or someone else ask questions and Wells Fargo bank has been caught taking advantage of people what Wells Fargo bank and it's bankers wants to transfer the call to someone else. Wells Fargo bank has charged me all of these hidden fees. Wells Fargo bank has also been sued for discrimination and forcing those past employees of Wells Fargo bank to participate in all of these illegal activities. And has taken advantage of and the other customers and consumers opening up fake accounts with out the permission and authorization of these consumers and customers.

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 2021-09-12 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: VA

Complaint narrative:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries were made by the following companies : Inquiries : 1. XXXX XXXX on XX/XX/2021 2. XXXX XXXX XXXX on XX/XX/2021 3. XXXX XXXX on XX/XX/2021 4. XXXX XXXX  on XX/XX/2021 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, and XXXX are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory

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 2021-09-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Synovus Bank
State: AK

Complaint narrative:
Greetings! 

I am filing an official complaint against the illegal business practices of the so-called First Progress pre-paid MasterCard- I am attaching their information for your reference. 
At the end of XX/XX/2021 I relocated permanently to XXXX and have consequently advised the afore-mentioned bank numerous times : 1. That I did not have forwarding address in the US 2. That I did not have any relatives, friends or relatives in the US 3. That I did not have a US bank account 4. That a friend of mine has helped me fund the initial {$2000.00} deposit from his bank account and he has also made subsequent payments. 
5. On XX/XX/2021 I have faxed them a request with very specific instructions as to how to close the aforementioned account and do a wire transfer to a designated account, in view of items ( 1 ) through ( 4 ). I was previously advised by one of their reps that they could do a wire transfer. 

Subsequently, several of their managers advised me that : 1. They could not send me a VISA/MASTERCARD overseas ( only to the US and Puerto Rico ) 2. They could not do a wire transfer, despite being told that other reputable banks that I have dealt with, in the past - XXXX  XXXX XXXX, XXXX, XXXX, to mention just a few, were always able to do a wire transfer to a designated account. 
3. When I asked them - how can I get back my {$800.00} and change, the totally nonsensical, callous and nonchalant answer was - well, come back to the US. 
As if this ongoing nonsense were not enough, if you take a look at their statement, coming from supposedly a closed account, they want me to pay only {$100.00} minimal payment. 

As a result of their well calculated, willful and pre-mediated baloney, I have lost more {$800.00} - which is more what I was making working for a week, not to mention countless hours on the phone with their clueless, brainless customer service agents. 
Consequently, I am seeking your urgent intervention to force this fraudulent and scam driven bank to do the following : 1. Initiate an ACH transfer for {$1500.00} with which to compensate me for their deception and wasted time to a designated bank account of my relative in the US, or 2. Overnight me at their own expense a replacement card to a designated address with the same amount that I can use in XXXX. 

Very respectfully yours, XXXX XXXX

Company response to consumer: Closed with explanation