vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 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: FL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Long story short, Cashapp/Square is trying to keep my money. My account was hacked and someone bought bitcoin with my funds and removed money from my account. Cashapp did an investigation which I patiently waited on and after the investigation gave me a one time credit for the money that was taken {$920.00}. I heard the money hit but I could not see it. Then Cashapp told me to create a new account to keep the hackers away from my account and to be able to access my funds from the old account that was refunded. I did all that and now they're telling me they can't place my money from my old account into my new one. I've given every piece of information they asked to prove it's me and that was my account. I've gone as far as take pics of the front and back of my driver 's license. Cashapp 's excuse is that they're protecting my old account by keeping my money. How is keeping my money protecting my account? Sounds more like cashapp is lining their pockets with other peoples money. The Cashapp support is useless, they all saying the same foolishness. I need a supervisor or manager who can get me my money, someone from corporate if need be. Keeping my money is not protecting me none. Times hard out here and I can't just afford to have Cashapp keep my money. I can send proof of my social ending in XXXX and everything to prove I'm me and it was my account that was hacked. I've included a pic of the front and back of my driver 's license. I need my money, I heard the ching sound the app makes when the money was 1st deposited so why I can't get my money is beyond me. I'm not going to stop writing cashapp or someone until I get my money. This is a copy of the letter Cashapp sent me saying they're keeping my money in order to protect me below. 

On Sunday, XX/XX/2021, XXXX XX/XX/XXXXEST, Cash Support XXXX wrote : Hi XXXX , XXXX here with Cash App Support. I'll continue over your case from here. Thank you for letting us know that you need to recover some funds from your previous account. I notice how important this is for you and we are here to give you the best experience and resolve any inquiry. 

XXXX, keeping your Cash App secure is our main priority, which means we have a variety of security measures in place to protect your account. 

Our security process reviews multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we will not be able to grant access. 

I'm unable to manually override this decision or provide additional details, and no further action can be taken at this time. 

XXXX, we are constantly looking forward to new and different ways to provide as much support to our users as we can. Your understanding is greatly appreciated in this case. Feel free to reply to this e-mail for further assistance, I'll be happy to help. 

Best regards, XXXX XXXX Cash App Support ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good Evening sir am XXXX XXXX sir  XXXX money transfer to PayPal transfer company sir 08 month back Transfer to mony paypal account transfer to money But My account Not transfer to money My Bank deatials and personal information and address proof complete Government proof. sir Every month transaction statement comeing sir But money No transfer. PayPal transfer company No information.No response sir. Please request helping sir Thank you sir

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: FL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me XXXX Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2021-02-21 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: FL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: FL

Complaint narrative:
Please be advised this is my second WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, I respectfully request a copy of this document to be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, Im sure youll agree that verifying you information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests I demand the following accounts be deleted immediately.

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 2021-02-21 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: FL

Complaint narrative:
Please be advised this is my second WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, I respectfully request a copy of this document to be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, Im sure youll agree that verifying you information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests I demand the following accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Financial Freedom Group, LLC
State: DC

Complaint narrative:
I have been working with DebtBlue to payoff some credit card debt and I wish to payoff my entire balance and also inquire about the terms of the current debt. After calling them and not getting a good response I sent them an email in order to maintain a written record. 

On XX/XX/2021 I sent the following email to XXXX : Dear DebtBlue, I would like to pay off my loan. Kindly let me know at the soonest : What is the pay off balance? 
What was the original principal? 
What is the APR? 
What are the instructions to pay off the remaining balance? 
This is my second attempt to contact you. I hope to hear from you this time. 
Many thanks, on XX/XX/2021 they responded : Hello XXXX, This is XXXX with DebtBlue. 
The amount to payoff your account will be {$2800.00}. 
{$2300.00} - to payoff your account {$500.00} - Fees {$1800.00} - Settlements {$30.00} Cushion = {$2800.00} If you have anymore questions feel free to call in at ( XXXX XXXX XXXX ext XXXX Thank you, XXXX at DebtBlue. 

Notice in the email they did not provide the all the information requested. In particular they did not explain how I could payoff the balance as I had requested. 

on XX/XX/XXXX responded : Many thanks. Please also confirm the original principal as I had requested in my previous email. As I also wrote in my previous email I want to pay off the full remaining balance ( {$2800.00} ). Please send me the instructions to pay off this remaining balance at your earliest convenience as I had also requested in my previous email. 

I received no response and sent a subsequent email on XX/XX/XXXX : Dear XXXX, This is my third attempt to obtain instructions on where and how to pay off my loan balance and find out about the APR. Is your lack of response a willful attempt to prevent me from paying off my loan and incur additional interest costs? Is your unwillingness to share my current APR an additional evidence of your lack of transparency? If I do not receive clear instructions on where and how to pay the remaining balance within the next 24 hours, I will consider the answers to be yes and will contact the CFPB. 

Regards, I have yet to receive a response to my inquiry. As my above email suggest and as their inaction demonstrate, I believe this is a willful act to prevent me from paying off my debt and continue to incur an unknown interest rate ( which they refuse to disclose ). Even the monthly statement lack transparency - most loan statements clearly stipulate the remaining balance and interest. I believe that this is not an isolated problem but a systematic deficiency in their lending practice that is intentionally deceptive in order to prevent consumers from paying off their loans or perform comparison shopping for a better rate. The consequence is widespread financial damage to the consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I have two accounts with American Credit Acceptance. One was for a XXXX XXXX that was involved in an accident and there was a total loss claim. There was no GAP insurance on the car. However, I was able to get another car, a XXXX XXXX XXXX with the same company. While the other was a total loss claim, I secured the new car and made payments. However, the company in question has been applying my car payments to the XXXX instead of the XXXX. They have been contacted on numerous occasions about this issue and it has yet to be resolved. I now face additional credit reporting issues and past due payment contact that is also affecting my wife as she is a co-signer on the XXXX. A company representative named XXXX, advised that they apply the payment to the first car that shows in their system. In this case it would be the XXXX. However, on XX/XX/XXXX, I called again to get this issue resolved and was advised by another rep that the XXXX account was sold to XXXX XXXX XXXX XXXX, who can be contacted at the number XXXX. However, if the account was sold to another collection agency, then American Credit Acceptance should not be applying my payments on my XXXX to the XXXX. In addition, The XXXX XXXX XXXX has never provided me with a debt validation letter with regards to the XXXX. In fact, I just found this was referred to a third party collection agency.

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 2021-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion dropped my credit score due to being added as a authorized user. The account has XXXX balance when reported to transunion AND has no negative history.

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 2021-02-21 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: Westlake Services, LLC
State: FL

Complaint narrative:
All information is incorrect, and should not be reporting on my credit report. These items should be deleted 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 explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I am enrolled in autopay for my Barclaycard US credit card. However, Barclay has consistently debited funds from my XXXX XXXX XXXX checking account in excess of what is due. On XX/XX/2021, Barclaycard debited {$5100.00} from my checking account to cover an account balance of {$570.00}. After the transaction posted, my credit card had a balance ( credit owing to me ) of {$4500.00}. 
In the past, Barclay offered me 12 months deferred interest on a computer transaction, but automatically debited the full amount of the purchase in the first month.

I have repeatedly called Barclay about errors in the payments they are automatically withdrawing from my checking account, but nothing has been done to fix this problem. 
To fix this latest incident of overpayment XXXX {$5100.00} ) Barclay offered to send me a check, which could arrive between 10 and 15 days ( case ID XXXX ). However, their offer does not account for financial damages I will suffer for having insufficient funds available to cover other credit card payments and to meet minimum checking account balance requirements that are immediately due. 
The only solution available to me is to incur personal debt to cover Barclaycard 's mistake.

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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The information on my report is inaccurate and needs to be removed immediately. If validation can not be provided by the court with whom is the original party, it must be removed 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 explanation