vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NJ

Complaint narrative:
Back on XX/XX/XXXX I had paid for a online store from XXXX XXXX for {$150.00} from a XXXX and XXXX. This was done first by transferring the funds from my bank XXXX  XXXX XXXX to my CashApp debit card via XXXX, because for some reason XXXX  couldn't process a debit card and the only way to pay was by their CashApp business account, which was why I had the funds transferred from my bank to my cashapp debit card. Made the purchase, communication was great, was even told they may be a delay for a few days because they were 'moving to a new location ' which was fine. I even made a purchase of another store, but with a different checking account ( business ) because I couldn't use the same email, also the same way but using a different cash app account ( also business account ). This was back in towards end of XXXX. Around beginning of XXXX when I've asked about the status of when I should have the online stores completed and delivered to XXXX, I didn't get a response. Sent numerous emails, still no response, and the telephone number does not work.So I've reached out to CashApp and explained what happened, they requested for more info which I've provided, but all I got back was a canned generic response which did not helped me at all. This was going around in a circle. So being frustrated, I've reached out to my bank to see if they can help me. A nice lady did, said she get this all the time, and gave me the credit. I did not still heard back from XXXX and XXXX from XXXX, but I did from CashApp asking me again about the info and I've responded that my bank has granted me the credit. Thought it was resolved until this morning on XX/XX/XXXX I was charged {$150.00} on my personal checking and business checking account! Called XXXX  and was told by a XXXX it was because it was out of their responsibility because it was a CashApp transaction?? CashApp did not help me at all, and in the meantime I have no store, and I'm out {$300.00}!! Please help, I can not afford to lose {$300.00} Thank you so much! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: CO

Complaint narrative:
Hello, I realize that your lending entities operate under tribal laws and are apparently not subject to normal consumer financial regulations, but I would like it known that over the course of 2 years I have paid {$9900.00} to your agencies in loan interest and fees, not including the loan principal amounts. I think that this is an extremely predatory practice that preys upon people without access to regular credit, on top of causing me personally severe financial duress and potential eviction from my residence. Particularly during a global pandemic when millions of people are out of work and struggling to make ends meet this seems even more unfair and exploitive. It makes me very upset when I think about the XXXX  of dollars I spent digging myself out of this trap, and I do not want it to happen to anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft. I have sent in several request for the fraudulent items to be removed from my credit report and it still on there.

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 2020-09-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
Card is frozen and unable to access money. Called XXXX number and was told it was due to a transfer from the card to our checking account which we did several times before with no problem. Tried to access through the App by entering the card number and the card number is no longer recognized! On XX/XX/2020 I finally got through to some one after being on hold for over 2 hours and was told to submit a fax to XXXX with card ID XXXX XXXX XXXX and copy of a photo id which I did and heard nothing. Called back and after being on hold for over 2 hours once again and was told the release should only take 24-48 hours. It's been over 5 days and the hold has still not been removed. 
Please help resolve this as quickly as possible. 
Thank you,

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 2020-09-18 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: Bliksum, LLC
State: LA

Complaint narrative:
My previous company was issued a merchant cash advance by Loanme in 2016. The company was liquidated in a chapter XXXX bankruptcy. I recently discovered that Loanme is reporting the advance on my personal credit report as a write off. The problem is, I never signed a personal guarantee, and would not have signed a personal guarantee for a merchant advance. Therefore I am not personally responsible for this debt. I received a copy of the contract from Loanme, and it clearly has no signature in the personal guarantee section. When disputed with Loanme, their response was that since it is allegedly an electronic signature, it won't show up on the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI
State: LA

Complaint narrative:
General Revenue Corporation has been contacting me relentlessly since XXXX of 2020. I have told them to stop contacting me 8 times, but I still receive harassing calls asking for my employers information and asking for my social security number. The last call that I had with XXXX from General Revenue Corporation, he told me the last 4 digits of my social security number and my full name before he confirmed my identity on the phone. I told him that I had a serious problem with him just blurting out my name and social before confirming the identity of the person on the phone. This company is also not the original debt collector for this debt that I do not owe. The previous debt collector did not close my account like they should have, instead they passed the debt around to another company. I've been disputing this debt for over 5 years now and I feel that General Revenue Corporation has overstepped their rights by harassing me with calls and by harassing me with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: IN

Complaint narrative:
I use Direct Express as a debit card program to receive my Social Security benefits. 

When I received my XXXX statement in early XXXX, I saw that there were numerous fraudulent charges, totalling around {$8600.00}! I immediately tried to contact Direct Express. It took 3 phone calls and a total about about 7 hours on hold to speak to XXXX, a Direct Express representative. 

She filed the claim for me, yet my account then showed additional fraudulent charges for XXXX, totalling another {$570.00}. 

At no time did DE contact me regarding these highly suspect charges made in XXXX, XXXX! Two of the charges were over {$2000.00} each! No text, email or phone call asking if these charges were mine. 

DE told me that they'd be sending a form to fill out regarding my claim. To date - 2 weeks later - I have received nothing. Right now, someone has {$9200.00} of my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied International Credit Corp., (US)
State: GA

Complaint narrative:
This debt was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: GA

Complaint narrative:
I have been a victim of identity theft I have submitted proper documentation to have the fraudulent accounts removed and this company still has not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I took out a title loan for {$3100.00} on XX/XX/XXXX and I started to pay extra on my loan because I was told the more I pay the more the interest would be lowered and I can have a early payoff with out a lot of interest. Well they are putting all ( majority ) of my money toward the interest and not my principal and as of today XX/XX/XXXX I have paid {$4300.00} towards the loan and they're saying my pay off day is in XX/XX/XXXX which will result in me paying a little over {$8300.00}. I was told that they cant adjust my loan and to pay {$1800.00} more at one time for an early pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I have never paid on this account XXXX / Calvary. The negative information on the account is more than seven years old. I live in Georgia so the negative information is six years. Cavalry has reported the debt as XXXX XX/XX/XXXX. I did not open this account in XXXX. Cavalry is reporting this account as it is open, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I am XXXX XXXX XXXX Servicemember. The vehicle was purchased after joining the service but I am still elgible under certain parts of the XXXX to protect myself from repossession. My vehicle was siezed by an agent ( Colleteral Recovery based in XXXX NC, I am local to XXXX XXXX XXXX, of Santander Consumer USA on XXXX around XXXX from my local address. I contacted the company today to inquire as to why it was seized. They stated my auto payment had been bounced back in XX/XX/2020 due to insufficient funds but was reassured there would be no issue moving forward as to autopay and making that payment online that was bounced back. I was never contacted about this by phone or email in regards to this issue. I attempted to make a payment on the first of XXXX online with the payment portal and it stated I had to contact them by phone due to error processing payment. I did so and they stated it had been bounced back but I could do it online again and submit it as they couldnt currently due to covid process over the phone payments. I attempted to due so and it didnt go through again. I have since then on the XXXX and XXXX of each month attempted to pay online as per their only allowed payment methods with the error message popping up and each time. Upon waking up on today, XXXX I discovered my vehicle has been repossessed overnight. I contacted the bank, received the name to the company who was their agent of Repossession and stated I would like to discuss with someone from the XXXX department. They were unwilling to transfer me stating I am not eligible at all for this protection. I asked if any sort of court order or judgement was signed authorizing the repossession of my vehicle. They stated they didnt need XXXX. Also stating I never signed any sort of waiver waiving my rights to the XXXX. Upon legal counsel acquired this morning I am not eligible for the loan to be capped at certain interest rates but must still receive a court order to have the vehicle taken. My wallet, military id social security card and drivers license are all in my vehicle and I have attempted to find out who has taken the vehicle to at least claim back those items as I need to them for work and have been hung up on. Please assist me as I feel my rights as a Servicemember have been utterly and completed violated under this act and that they didnt do their job to verify I was XXXX XXXX when I initially acquired the loan and my vehicle unlawfully taken without proper court mandated authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TX

Complaint narrative:
I have been a victim of identity theft. I have been trying to get a equifax with whom my identity has been compromised in their data breach to remove the fraudulent accounts. This company does not help and gives you the run around. I have heard the same thing from numerous individuals. I was included their data breach law suit and still they are giving me the run around. I will also be sub, XXXX XXXX  a complaint to the attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I refinanced and my mortgage was sold to Huntington Bank. I called and explained I wanted to make weekly payments and they stated their system couldn't auto set that up, but i could mail the payments in. 
Today, I received a collection call regarding a past due amount of {$700.00} I checked my account and all payments were received but it appears they were misapplied. 
The representative stated they were misapplied and said I should not send weekly payments or they will keep misapplying them and in turn I will receive collection calls and late fees on my account, even though the account is current. 
I stated that this is a system deficiency that they need to cure, not a payment change I need to make. 
Partial payments are permitted under CFR 203.556 which states in pertinent part " the mortgagee shall accept any partial payment and either apply it to the mortgagor 's account or identify it with the mortgagor 's account and hold it in a trust account pending disposition. When partial payments held for disposition aggregate a full monthly installment they shall be applied to the mortgagor 's account '' I had XXXX due no later than XX/XX/XXXX to avoid a late fee. 
XXXX due no later than XX/XX/XXXX to avoid a late fee. 

I paid {$350.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX ( today ) As of XX/XX/XXXX they received {$1400.00} of the {$1300.00} due which satisfied XXXX XXXX bill. 

As of XX/XX/XXXX they already have XXXX towards XXXX XXXX bill which is not considered late until XX/XX/XXXX. Nearly ONE MONTH from today. 

As of today they have received XXXX total yet claim I am past due and are threatening to continue to mark my account as delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: VA

Complaint narrative:
IC Systems Inc added collection to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever. I C Systems put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to 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 2020-09-18 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: AR

Complaint narrative:
Credit Fraud Report : I received a call on Thursday, XX/XX/XXXX, from XXXX Credit department indicating that someone with an Illinois address had fraudulently taken a vehicle loan in my name, with my social security number and my cell number. They asked me to contact the XXXX Credit Victim Department ( at XXXX ), which I did, and they told me that they will start an investigation. 

I also went to the Experian website and saw that someone had fraudulently opened an auto loan account with XXXX Motor Credit on  XX/XX/XXXX with an original loan amount of {$98000.00}. Apparently, that criminal made 1-2 payments and the last payment was over 30 days late, and that is when I was called. That is the first time I ever knew about it. 

I immediately filed a police report and informed all 3 credit bureaus of the fraudulent loan in my name. All 3 credit bureaus froze my credit at my request. 

XXXX and XXXX also REMOVED THE FRAUDULENT ITEM from my credit report after receiving the police report. 

EQUIFAX REFUSES to do the RIGHT THING. EQUIFAX CONTINUES TO FALSELY CLAIM that the FRAUDULENT ITEM on my CREDIT REPORT is ACCURATE. EQUIFAX thus has become a PART OF THE FRAUD AGAINST A CONSUMER. There is little I can do except complain or file an expensive and time consuming lawsuit against EQUIFAX to get my RIGHT. 

Please hold EQUIFAX, and its CEO and BOARD MEMBERS PERSONALLY LIABLE, FOR THIS EGREGIOUS FRAUD. 

Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: CT

Complaint narrative:
Hello! 

I have an account listed on my credit report XXXX  XXXX as a closed account. This was when I was a student  in Wisconsin for two weeks, and I have never had a bill, debt, or active account with them. If possible, I would love to remove them from my closed account list. 

Thank you!

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 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: VA

Complaint narrative:
Recently I looked on my credit report to my surprise. I saw a collection for XXXX, the phone company, in the amount of {$190.00} dollars. The collection agency is Enhance Recovery company. I have not heard from XXXX in over 2 years and as far as I know I did not owe XXXX any money. My bill was paid up. I called XXXX to find out why this accord. They could not tell me anything. They said the number I had given them belong to someone else. Also they could not find my name or any information. I decided to call the Collection Agency I ask them about it I said '', where is the statement about this bill because I never got XXXX. The man on the phone replied ', we got this bill from another collection agency in XXXX and the time to dispute it is over. '' According to him they were the third agency this was handed over to. I am upset because this is on my credit report and I had no knowledge of owing sprint anything. Also no one can tell me why I owe XXXX this money. This is not a good phone company in my opinion as a consumer. I am not the only one who has complained about them. I am waiting for a statement from the collection agency that I never got.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/20 Citizens Bank mailed my usual payment to XXXX XXXX, to the address provided that is on the bill. However the check on XX/XX/20 was cashed by another unknown party and not XXXX  XXXX.check value {$100.00} The same thing happened on XXXX/XXXX/20, someone other then XXXX XXXX  cashed the checked.Checked was cashed by another party then the above but again not XXXX  XXXX. Check valued {$200.00} Citizens has filed paperwork with those banks that cashed the checks and still have not heard back to get my {$300.00}. back that I owe for my electric  bill. They stated the other banks had 7-10 days to respond back and they have still not responded back to Citizens and I am still out {$300.00}. for my electric   bill. Then I was told it would take 6-8 weeks and Citizens has exceeded that. I'm not sure how Citizens can not do anything with check fraud to recoup the lose other then waiting to hear back from the other banks. 

I have checked a minimum of 2x a month if not more to follow up with Citizens on update and as of XXXX/XXXX/20 Citizens still have not heard back from other bank. Citizens states they can't do anything until they hear back from those banks to get refund so in the mean time I have had {$300.00}. not paid on my Electric bill and has held up my money since XXXX. 

This complaint with Citizens was filed on XXXX/XXXX/20. Fraud complaint # XXXX.

Company response to consumer: Closed with explanation