vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
On XXXX money was transferred to XXXX XXXX XXXX $ XXXX 3 transactions : {$190.00}, {$200.00}, {$330.00}. Total lost was {$720.00}. I contacted Cashapp on XXXX, they opened an investigation. On XXXX, through the cashapp they said the refund was declined : we're truly sorry, but we're unable to recover your money but your report will help us prevent future scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reached out to XXXX  and Transunion for them to give me information on the bankruptcy information that they have listed on my credit report for over a year. I have asked them to supply me with whom they have verified the information with and my request have went unanswered. I have talked to the courthouse and they have stated that they do not supply the credit bureaus with the information and that it should be removed.

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 2021-04-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Mobile : XXXX Card # : XXXX SS : XXXX XXXX XXXX XXXX : XXXX My name is XXXX XXXX and Im writing in regard to an inquiry I had with XXXX XXXX. I had late payments for the credit card and account outlined above and had requested they be removed. Throughout this time, I had dealt with extraordinary difficulties that required an overwhelming amount of time and financial resources.My subsequent conversations with XXXX XXXX led to the deletion of the two late payments I incurred during the pandemic, however, I inquired about three specific payments dating back to XXXX, XXXX, and XXXX of XXXX. I had asked for a goodwill adjustment from the bank as I had been a customer for forty years. I spoke to XXXX, a case representative for the bank. I explained my current situation, but she was dismissive, rude and reticent regarding my request. She specifically stated that the bank could not complete my request despite my proving they had been helpful in the past. From here the representative became more agitated at which point I said I would just have to take the account down to zero and close it to conclude my business with the bank. Thereafter, I noticed that the two payments the bank had withdrawn were reinstated after my phone call. This seems to me like retaliation for closing the account as the charges had been removed but immediately reinstated after my conversation with said representative. I am reaching out now as these are clearly not the proper actions for a bank to take against a customer as the only explanation for their actions is vindictive punishment. 
XXXX XXXX

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 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: American First Finance, Inc.
State: CA

Complaint narrative:
American First Finance spoke to me on XX/XX/XXXX and XX/XX/XXXX. I told them that I couldn't afford to make my payment. They told me to call back when I could. They turned around and charged my bank account on both days without my authorization. They never told me that they would charge my card. They did and still kept harassing me. I have been called on the XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reached out to all three bureaus to have inquiries removed from my credit report because I have not applied for any credit. I asked them to supply documentation stating that I applied for credit and they have not been able to supply that information.

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 2021-04-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reached out to all three bureaus to have inquiries removed from my credit report because I have not applied for any credit. I asked them to supply documentation stating that I applied for credit and they have not been able to supply that information.

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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX we did a balance transfer from a Capital One acct ending in XXXX to a XXXX XXXX cc. Capital one put the money in an account that has been closed since XXXX ending in XXXX. After hours on the phone with them they finally discovered their mistake and moved the money from the closed account ( XXXX ) to the account where it was supposed to have gone ( XXXX ). I received a confirmation email from capital one on XX/XX/XXXX. 
On XX/XX/XXXX I received an email from capital one stating I have an overdue balance of over {$5400.00} on the account that had been closed in XXXX ending in ( XXXX ). When I called capital One a woman named XXXX license XXXX stated that despite me being an authorized user on the old closed account ( XXXX ) she would still need to speak with my husband before correcting their mistake. She did acknowledge it was a mistake on their part, she did acknowledge that its inaccurately on our credit reports ( both mine and my husbands ), she did acknowledge that my husband and I called them together in XXXX to correct their original mistake. Despite all of this she will not correct the mistake on their end and mentioned that it was accruing interest every day ( on a balance that was a credit not a debt ) and thats why the balance went from a little over {$4700.00}, which should have been a credit due to balance transfer, to a debt of over {$5400.00}. 
Problem is, which I explain to her, my husband has been working out of town and wont be back until XX/XX/XXXX. Hes in a part of the desert with no reception. He has a satellite text feature but no phone service. When I explain that this was dragging our credit rating into the sewer she said theres nothing she can do. I asked to speak with a supervisor and she said she was the highest person available by phone at all of capital one. 
My complaint is that my, and my husbands, credit is impacted by their mistake, again, and they are not willing to correct it. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AR

Complaint narrative:
On XX/XX/2021 I contacted Discover to report fraud on my credit card. They told me that the fraud department was going to investigate the charges and they would cancel my card ending in XXXX. They apparently did not investigate the charges or cancel my card and allowed charges of {$69.00} to go through for a charge they should not have allowed. The charge was for one of my automatic bill payees. However, I had already made arrangements to pay my directly to the service provider and now Discover is refusing to reverse the charge of {$69.00} from the unauthorized activity and holding me responsible..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, I've been submitting dispute letters to remove this fraudulent auto loan off my credit report and I have not gotten any responses. By law after 30 days you must remove debt if nothing been verified!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CATHAY BANK
State: CA

Complaint narrative:
When I was in Cathay bank, they told me to get a line of credit, which was completely free, and it's a good protection just in cause I need the money sometime. 
So I applied, later on, the bank bought me home insurance which is the 3X of the price I used to pay. They didn't send me any insurance doc, and I don't even have a loan with them. Here are the inquiry : 1. We dont have a collateral with Cathay. What are they protecting?

2. They can withdraw your HELOC if we arent qualified anymore.

3. The insurance you bought is 3X than what we used to pay for.

4. No insurance document or policy was sent to us once the insurance was purchased. 
5. When XXXX signed the Agreement to provide insurance, nobody explained to her what she was signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
National Claim Adjusters is in violation of the Fair Debt Collection Practices Act. XX/XX/XXXX an FDCPA demand letter was sent to NCA and received XX/XX/XXXX. Legally the collector has 30 days from receipt to respond with proof requested, including that I owe the debt and that they have legal right to collect the debt, their license to collect debts in my state, and original contract I signed with the original creditor. NCA ignored the letter and failed to respond within 30 days. As a result, legally NCA must cease collection efforts, removed negative items on my credit report, or send a letter stating negative items were placed on my credit report in error. However NCA has reported to the credit bureaus their information is accurate. Then XX/XX/XXXX I received a letter from NCA, dated XX/XX/XXXX, including a XX/XX/XXXX credit card statement, indicating this was the information requested. However I didn't request a " verification of debt '', which is not a validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Due to the nature and urgency of my concerns of fraudulent activity while opening my account at J.P. Morgan Chase Bank in XXXX XXXX, CA. I made an attempt to hand deliver the following letter and all XXXX XXXX Chase staff members refused to sign for the delivery. Therefore, I sent my correspondence via USPS Certified Mail. 

XXXX XXXX J.P. Morgan Chase Bank XXXX XXXX XXXX XXXX, Ohio XXXX CERTIFIED MAIL XX/XX/2021 RE : Authorization to Release Social Security Verification | Account XXXX Dear XXXX XXXX, I am writing to revoke the authorization to release social security verification form and the online application for checking account ending in XXXX. The reason being is the manner in which you obtained the authorization to release the social security verification form. It was in more of a furtive, conniving fashion which is not acceptable or professional. 

I dont recall ever having to sign this release to open a checking account for any financial institution and this document ( without preface ) was slipped in during our conversation in the process of opening my account. If you require to view or need a copy of my social security card, then all that you had to do was to ask for it. 

I also did not receive my login username to obtain copies of the account disclosure documents, nor did I receive any type of information related to my account. 

Regards, XXXX XXXX Hand Delivered to the Office of : XXXX XXXX | Chase Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Received on XX/XX/2021, in Person or in C/O by : Printed Name : ____________________________ Signature : ___________________________ CC : Social Security Administration, J.P. Morgan Chase Bank N/A XXXX Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: GA

Complaint narrative:
I do not recognize account and inquiries I have in my credit report. I am kindly asking you to check this information on identity theft issues. Couple of months ago I became victim of identity theft someone just used my personal information and therefore as a result I have unknown items in my credit profile. So I hope you can do something towards it and remove all these unknown fake accounts and inquiries. Thank you so much

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 2021-04-19 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 do not recognize account and inquiries I have in my credit report. I am kindly asking you to check this information on identity theft issues. Couple of months ago I became victim of identity theft someone just used my personal information and therefore as a result I have unknown items in my credit profile. So I hope you can do something towards it and remove all these unknown fake accounts and inquiries. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Paypal Holdings, Inc

Complaint narrative:
I understand the need to limit some accounts to review for potential risks and I'm familiar with the User Agreement and I strongly believe that I have not violated any policy or law. the account limitation didn't give me a fair opportunity to explain my business model or provide adequate file space to upload all the documents that were requested. in order to fairly review my account, PayPal should inspect the 'Supplier invoices ' and the Contract between me and the supplier for reselling and distributing the supplier 's products, and because the limitation page didn't provide sufficient space I didn't upload the Contract. ( I messaged the customer service because it was an error when I tried to upload the documents ) YOU CAN CHECK THE MESSAGES.

I'm happy to provide any further documents or perform any steps if required.

If " risk '' is still a concern, then feel free to place a fixed or proportional amount of sales in the " reserve account '' if you believe this provides the assurance you need.

My email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I had an American Express business credit card that was involved in credit breach and someone got my number and made fraudulent charges. I tried reaching out to company and they sold the debt to XXXX. I never verified the debt and it was fraud so I filled an FTC report. I was not removed. These charges are inaccurately reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered on XX/XX/2021 a patio door at Home Depot in XXXX California and I paid {$1900.00} Dlls. 

Company has not installed the patio door yet and I have been calling the company several times without success. I went three times to the store and the Manager told me that the patio door was re order. 
I went again to the store because they never call me again and I have been waiting for long time. The other employee XXXX XXXX check the status of my order and told me that in their system shows that never was re order. 
I need my money credit back because I have been paying with interest something that I do not have it.

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 2021-04-19 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
The account is not belong 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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
This complaint is being filed against US Bank Gift Card services. A gift card was purchased in XXXX for the amount of {$100.00}. The card is labeled and sold as " {$100.00} MasterCard Gift Card '' and a {$5.00} activation fee was processed at the time of purchase. The disclosures which came with the card do not describe the card as being anything other than a Gift Card. There's nothing within the disclosure distinguishing or defining the card as being bound to any other " gift card '' classification. Recently, XX/XX/XXXX I called to register the card in my name and was told that there was only a {$2.00} balance remaining on the card. I was informed that US Bank deducts administrative fees if cards are not utilized within 12 months, except where prohibited by state law. I informed the company that I reside in the State of Illinois where consumers are protected from such fee transactions. They escalated my complaint and refunded me {$24.00}. They informed me they were only able to refund up to 12 months of fees, as their systems only contained 12 months of data. They had not retained records beyond 12 months. They then went on to tell me that if I did not utilize the card soon, they would once again deduct fees. I have expressed my understanding of them not having better record retention policies in place, and I have expressed that refunding {$24.00} is acknowledgement of their original error, and that I expect the full amount of {$100.00} to be refunded. They continue to submit internal third party complaint forms, but have not provided me a refund. Again, at the time of purchase the card was sold as a " Gift Card '', and all disclosures ( which I still have ) define the card as a " Gift Card '' and not as a general use card or any other classification of a gift card. A {$24.00} refund is not acceptable on a card for which I paid {$100.00}. 

I've asked them to provide me information in writing as well as contact information so that I can continue to escalate and resolve this matter. They have refused to provide me with a copy of the complaint forms, notes on the nature of my repeated calls, and any information on how I may go about escalating this case beyond their call center. They refuse to provide me with anything in writing that substantiates the statements they make about their policy, and they refuse to provide me with contact information for the department within US Bank that handles such complaints.

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 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Management, Inc
State: SD

Complaint narrative:
XXXX XXXX XXXX 's XXXX SD XXXX State T, XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I received a letter that I owed {$130000.00} for a medical debt due to XXXX. The woman involved has same name as mine XXXX XXXX XXXX. I know this woman personally. I now know she has XXXX due to this bill being sent to me. 
I know now she had significant hospital bills. 
This happened from XXXX before where they charged me for a child that was not mine. All of my children were grown. 
I also had XXXX XXXX XXXX XXXX give me medical info on the XXXX XXXX this bill was for. He thought it was me and he actually argued with me that I was lying to him. XXXX XXXX SD many years ago. 
This is reoccurring hit to my credit, both of these companies have done this over and over again to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently sent a dispute letter to XXXX and Experian on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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