vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 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: IL

Complaint narrative:
I added XXXX to my Cash App, run by XXXX XXXX  and Square Cash App. 
After Adding the XXXX I unlocked my card to use it for spending like I usually do. 
Upon making the purchase the merchant said he received an odd error code that never happened before. I went back to the app and did this 5 times. The App declined the purchase 5 times. I had been using the app frequently throughout the entire month and this never occurred. They were not only trying to block my transaction but did it intentionally. I uploaded the funds 10 minutes prior to swiping the card online while on the phone with the merchant. They denied me my purchase and never fixed the app even after reporting it 5 times by email and by contact on the app. I deleted the app and then downloaded it 2 times and it still did not work. They intentionally blocked my purchase. If you look at the image attached while on the app, it shows I added XXXX then immediately after they declined my purchase repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Two hard inquiries to my credit report on Transunion- significant negative impact to my credit report, which I am trying to improve so I might purchase a home. 
These two inquiries were made consecutively, without my consent or knowledge on XX/XX/XXXX, and XX/XX/XXXX, of 2019. They were made by a company called XXXX, from XXXX FL.

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 2020-07-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I filed a dispute on all my credit due to my credit being used unauthorized all my accounts are under review and this company contacted my employer and threatened to continue calling a place of business that doesnt be long to me unless I took care of my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: SC

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.

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 2020-07-18 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: SC

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
THIS ACCOUNT SHOULD HAVE NEVER BEEN REPORTED LATE ON MY CREDIT REPORT. 

I HAD AN ACCIDENT ON XXXX 2019 AND PROGRESSIVE PAID THE BALANCE OF THE VEHICLE AND THE GAP INSURANCE PAID THE BALANCE. 

I DO NOT OWE ANYTHING AND THIS COMPANY HAS ALSO REPORTED LATE PAYMENTS TO MY CREDIT WHICH HAS DAMAGED MY CREDIT

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Two hard inquiries to my credit report on XXXX- significant negative impact to my credit report, which I am trying to improve so I might purchase a home. 
These two inquiries were made consecutively, without my consent or knowledge on XX/XX/XXXX, and XX/XX/XXXX, of 2019. They were made by a company called SynchB, from XXXX FL.

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received an alert that XXXX XXXX pulled my credit report without my consent on XX/XX/2020. I am Currently in dispute with them and requested a validation of contract and payment history and have yet to receive it but they pulled my credit? I have not applied for anything with them so Therefore they illegally accessed my credit report without consent in addition to them providing inaccurate information of my transunion report! They are reporting duplicate accounts on my report which majority show in good standing accept 1. I do not owe them and everything is paid in full which the screenshots show of my credit report. Same account numbers, same amount all show no balance! The dates of last activity are inconsistent and not aligned with their argument that I owe. Please look In detail at the information. This credit union is doing some Actions not in alignment with the FCRA and this must cease. They are predatory and retaliatory and its messing with my credit rating.

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 2020-07-19 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: WA

Complaint narrative:
date XX/XX/2020 {$100.00} was sent to my account, I lost my login info, tried to contat the company previous times, no response, I sent in all of my accurate information and they said that my card info they could not identify. I have all of my paper work that came with my card, I have my card and all other documents necessary to prove that it is my account. company is cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
THIS ACCOUNT WAS AN AUTHORIZED USER ACCOUNT AND I REQUEST THAT IT BE DELETED FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have an inquiry on my credit report from Wells Fargo Education Services in XX/XX/2019. I use XXXX XXXX XXXX to pay for school. I did not make this inquiry and I would like it to 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
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc.
State: NC

Complaint narrative:
Dyck ONeal has a account showing open that is intact a collection.they finally sent me some information wrong information showing a debt for the Amy of {$160.00} with a payment date ofXX/XX/XXXXyes XXXX.account number XXXXthis is FALSE information and I demand it be removed permanently and completely from my credit file.i have a copy of the letter showing this to prove my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Premium Credit Bureau
State: NV

Complaint narrative:
I have an inquiry on my credit report from " Premium CB '' in XX/XX/2020. I have not heard of this company and did not authorize an inquiry. I would like this to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
It doesn't say much except hard inquiry for home loan or mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account with a checking promotional offer of {$100.00}. 
The offer states I would be able to " Get a {$100.00} offer when you use this offer page to open a new checking account ''. 

Requirements to earn the promotional offer was to : 1. The deadline to enroll in this offer was XXXX XXXX, XXXX. 
2. Set up and receive at least 2 qualifying direct deposits of {$250.00} or more within the first 90 days of opening your new checking account. 

The promotional code was : XXXX XX/XX/XXXX : I opened the account. 

XX/XX/XXXX : Initial deposit of {$100.00} was made. 

XX/XX/XXXX : Another {$100.00} deposit. 

XX/XX/XXXX : Direct deposit of {$250.00}. 

XX/XX/XXXX : Direct deposit of {$250.00}. 

XXXX : Expected promotional offer bonus, but did not see it. 

Some time between XXXX : Called Bank of America and asked about why I was not seeing a bonus received after meeting the requirements. They said they would escalate the issue. 

XX/XX/XXXX : Called again to check on the escalation, but it was still being reviewed and no resolution yet. 

XX/XX/XXXX : Called again, but still no updates. 

A date around XX/XX/XXXX : Called again, but still no updates. 

XX/XX/XXXX : Called again and the representative told me the escalation was closed already, but I was not informed of the issue being closed. The representative said in the notes, the escalation resolution was that, I did not meet the requirements because I opened the account on XX/XX/XXXX, but the offer internally actually started XX/XX/XXXX. I looked at the offer I received again, but there was no mention of a offer start date and I told the representative. The representative said they tried to find it in the public offer documents, but was unable to find it and that it is an internal notes/document. I asked if I could open another escalation to look into the issue because no starting date was mentioned in the initial offer.

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 2020-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, happy Saturday to those reading and ( hopefully having a better day than I am. I am writing because, since XXXX, it has been nearly impossible to make purchases with my chase card due to it being randomly declined all the time. For instance, right now, my pending charges, credit limit, etc. do not add up or make sense ( see screenshot ). Furthermore, the main reason I am writing in, which is directly related to this messed up information, is that I can not even use the credit limit that chase says I have. I am supposed to have {$800.00} in credit, yet I was unable to make a {$780.00} purchase. Why am I unable to use my credit line? And why has my card not been credited for the {$2000.00} or {$2200.00} payments that I asked you to credit earlier this week? ( When the same exact thing was happening and preventing me from using my credit ). I should see these amounts credited back to my checking account with you all ( the one I just opened under my name ). My ( checking ) balance is currently {$1000.00}, and I need to see it at {$5300.00} ( and my credit card balance, the amazon prime rewards XXXX card, reset back to XXXX, with no additional charges to my account ). Additionally, I was trying to make a transfer the other day with XXXX from my chase account, and it took like three attempts and over an hour. Your app glitches every time I use it, at least once, and it has been affecting my ability to spend and live ( and ruined my life ). You need to pay me/do the things I am asking you all to do in this complaint, or I will simply add these things to the damages ( plus emotional distress, loss of time, loss of consortium, loss of reputation with the businesses from whom I purchase ... ). I respect you all enough to make you own decision ; however, I encourage you to cash out my investment ( and pay me ) now, as I am going to earn much interest at your expense should you fail to comply with my request. Its up to you. Choose wisely, and be prepared to deal with the consequences. Its time to take some accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Modern Adjustment Bureau
State: CA

Complaint narrative:
Please see attached detailed letter outlining all issues. Original creditor ignored my initial telephonic and written inquiries regarding the debt.The statute of limitations has since run. 

It's fine to publish my letter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: GA

Complaint narrative:
So, American Coradius International L.L.C is shown on letter. I am not entirely convinced of this debt, some of the account information listed does seem to show some information related to one of my XXXX XXXX credit cards. However ; with being a victim of identity theft, I must make sure with out a shadow of doubt this company and its ' affiliate ( s ) and personnel such as XXXX XXXX contacting a relatives phone and subsequently, trying to reach me through my relative which the relative, wants Ms. XXXX XXXX to Cease and Desist said phone interruptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I opened a checking account with M & T bank for a promotional offer of {$400.00} for maintaining a balance of {$10000.00} for 90 days. I used promotion code " CG '' with the in-branch representative. The application went through and my account was opened. After maintaining the balance M & T is refusing to honor the bonus citing the following : " My research shows this was a special promotion and the offer is non-transferrable. Only the person receiving the promotion qualified for the bonus and as a result, we are unable to offer this promotion to you. I apologize for the misunderstanding. '' This issue wasn't addressed to me at the time and the system proceeded with opening my account and accepted my deposit. The system should have rejected the offer code if I wasn't eligible and not open the account. Instead M & T chose to accept my monies for their use. They have used the capital to make money while the consumer is left with nothing.

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 2020-07-19 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: PA

Complaint narrative:
I was trying to open and account with XXXX and it wont allow me to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I called and requested and settlement amount of {$650.00} which was accepted. I paid the amount and was given a receipt and was told it would be taken care of. They did not XXXX  the balance out as I was told but have a balance reporting of {$420.00}

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 2020-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: TX

Complaint narrative:
Good evening, I am writing to ask for assistance regarding a debt that is appearing on my credit reports reported by credit collection USA on XXXX XXXX in XXXX West Virginia. I live in texas. They are reporting a debt of XXXX for Medical services for XXXX XXXX from date of service nearly 10 years ago. I have spoken to office manager twice and emailed correspondence to not only office staff, but listed manager on website. When I spoke with staff she claimed it would be transmitted for deletion XXXX nearly 5 months ago ). My final communication with them was XX/XX/2020. No resolution. Can you please assist me?

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 2020-07-19 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: CA

Complaint narrative:
I am an essential worker in XXXX during this current XXXX virus pandemic. Due to circumstances beyond my control, I need to vacate a rental home of more than 13 years, and began looking for a home to purchase. The mortgage would be less than rent in XXXX XXXX. As the search began and a property was located to go and see- to determine that I was serious in the current COVID 19 environment, a mortgage pre approval which included a credit check had to be conducted or I would not be able to go and see the property. On XX/XX/XXXX a credit check revealed my credit score to be XXXX. The house I was interested in was sold before I was able to go and see it. On XX/XX/XXXX I went and saw another property, offered a bid that was accepted, and needed to go through XXXX bank for this specific residence. On XX/XX/XXXX XXXX bank conducted yet another credit check- which came back as XXXX. This score is below what XXXX bank accepts for their best rates. This drop was due only to the first credit check that was due to the COVID virus requirements to have a credit check before being able to simply see any property. This is totally unfair and does not provide a true reflection of credit worthiness. This process must be corrected and somehow flagged during this pandemic time, when this is bound to happen over and over again to others as well. My score should not be affected in a negative manner due to the requirements of social distancing and intent on real estate. I would like this to be corrected- I have worked for years to better my scores. This is yet another devastating affect of this pandemic that is going unseen. Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: TN

Complaint narrative:
I called and requested and settlement amount of {$650.00} which was accepted. I paid the amount and was given a receipt and was told it would be taken care of. They did not zero the balance out as I was told but have a balance reporting of {$420.00}

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