vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 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: TX

Complaint narrative:
Complaint Details So I received a {$4700.00} direct deposit early Tuesday morning like really really early so I was sleep. When I woke up I had notifications from cash app that I sent some money to someone so I get on my cash app and I have a unauthorized sent payment for my whole {$4700.00} so of course I file a dispute with cash app. They reply and tell me to answer some questions which I did. Fast forward to this morning wed XX/XX/2020 I get a email from cash app saying they are denying my claim because even tho the payment wasnt sent by my device ( and this is the only device I have and the only device I've ever used to access my cash app ) but even tho the payment wasnt sent from device apparently the payment was sent by a device that Has accessed my account before ... .and so they do not have enough evidence to get me my money back ... Wow really if someone hacks your account and you don't have cash in it at the time but you show that you are active on cash app chances are they are either going to stay logged in to your account until u get some money in it or they are going to keep checking the account until u get money in it. I had {$4700.00} stolen out of my account money that I need to take care of my family my kids I mean come on we are going thru a pandemic and cash app denies my dispute and let 's some low life hacker get away with my {$4700.00} that's unbelievable what kinda of company does that. I don't know what I'm going to do now I can't pay my rent or nothing. Oh and if someone hacks your account and they access your account more then once and then send a payment cash app will say that whatever device the hacker used is now a known device and will not help you they will deny your claim even tho they ask you what devices you have used to access your account and in my case my XXXX phone is the only device I have accessed my account with. They still will say the device that isn't yours and you have never used to access your access is a known device. I'm pretty sure they can see the IP address and device I use is completely different from the hackers IP address and device. I have contacted cash app support they didn't help so I have filed a complaint with the XXXX  now with the CFPB and next I'm going to file a complaint with my state AG and work my way up cash app chain of command and email the higher ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 several transactions totaling in the amount of over XXXX XXXX dollars had been debited from my prepaid debit card account. These debits resulted in making my account negative over XXXX XXXX dollars. I was told i had to verify my identity which i successfully did but in the time they " closed '' my account any deposits that i had going to my account were just added to the negative balance. Prepaid Bank of America had violated section 2b of the prepaid card terms and conditions. By allowing these debits to occur unlawfully i had to endure weaks of financial stress upon stress that i should have never had to even go through. In section 2b it states that once a deposit has been made to my account the state is not allowed to debit any of those funds from my account and it also states that there will be no overdraft transactions to ever occur on my account and yet they did just that. After weeks of nonstop calling i was finally able to get through to a claims representative who explained to me that there was some kind of system glitch and that they were absolutely at fault and that after submitting an escalation, Id be able to get all of those debits credited back to my account that of which should have never been taken from my account in the first place. It has been weeks and I have yet to be credited back the transactions that had been wrongfully taken from me and i would like to have what was rightfully taken from me. I have a full transcript of my conversation with that claims representative that i will be attaching with this submission.

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 2020-10-31 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:
Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all XXXX credit bureaus, XXXX, XXXX  and Equifax.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX  XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: TX

Complaint narrative:
whom it may concern, The reason for this letter it to dispute an unauthorized inquiries on my credit report. On ( XX/XX/XXXX ), I retrieved a copy of my credit report ( File : XXXX ) and discovered multiple inquires that I have no knowledge of and did not authorize. 

Because I did not apply for credit with creditor or lender listed below, XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX TRANS UNION XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have also reached out asking that they remove the inquiry from my credit profile in the past and received no response. 

Please launch an investigation into the above creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, 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 2020-10-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
whom it may concern, The reason for this letter it to dispute an unauthorized inquiries on my credit report. On XXXX XX/XX/XXXX XXXX, I retrieved a copy of my credit report ( File : XXXX ) and discovered multiple inquires that I have no knowledge of and did not authorize. 

Because I did not apply for credit with creditor or lender listed below, XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have also reached out asking that they remove the inquiry from my credit profile in the past and received no response. 

Please launch an investigation into the above creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: TX

Complaint narrative:
whom it may concern, The reason for this letter it to dispute an unauthorized inquiries on my credit report. On ( XX/XX/XXXX ), I retrieved a copy of my credit report ( File : XXXX ) and discovered multiple inquires that I have no knowledge of and did not authorize. 

Because I did not apply for credit with creditor or lender listed below, XXXX XXXX XXXXL XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  XXXX BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have also reached out asking that they remove the inquiry from my credit profile in the past and received no response. 

Please launch an investigation into the above creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, 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 2020-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The finance company, wells Fargo auto dealer services is using my nonpublic personal Identifying information to include my social security account number WITHOUT my express consent or authority. I specifically deny and object to liability on account stated as rendered no. XXXX as I am not a debtor but a Natural Person who acquired " Consumer Goods '' to be used primarily for Personal, Family, or Household Purposes. The three major Credit Bureau 's by law is directed to removed said inaccurate information as it causes the " Consumer '' undue hardship by reducing my lending/selling ability and purchasing/buying power through commercial disparaging to which Identity Theft conversion of property. Wells Fargo Auto Dealer Services changed my character from Principal/Consumer/Supplier/Issuer/Accounts payable to borrower/debtor/ Accounts receivable and assume my Identity to sell commercial paper in my name. Criminal Fraud has no statute of limitations and I will defend against any Corporations, Individual, Private Entities that is affiliated with the U.S. government or Not affiliated, and I will seek my remedy and stand up for nn my Rights. 18 USC part 1 lists all crimes a d if found guilty could face up to prison time as well paying for the penalties.

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 2020-10-31 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: CA

Complaint narrative:
Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, XXXX, Transunion and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the XXXX. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX XXXX. 

Sincerely, 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 2020-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, Upon reviewing my credit report, I found discrepancies on my Capital One Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to Capital One for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, Capital One, and all 3 credit bureaus, XXXX, XXXX and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the XXXX. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to capital one. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Department of Ed/Navient is using my nonpublic personal Identifying information to include my social security account number WITHOUT my express consent or authority. I specifically deny and object to liability on account stated as rendered no. XXXX as I am not a debtor but a Natural Person who acquired " Consumer Goods '' to be used primarily for Personal, Family, or Household Purposes. The three major Credit Bureau 's by law is directed to removed said inaccurate information as it causes the " Consumer '' undue hardship by reducing my lending/selling ability and purchasing/buying power through commercial disparaging to which Identity Theft conversion of property. XXXX XXXX XXXX XXXX XXXX changed my character from Principal/Consumer/Supplier/Issuer/Accounts payable to borrower/debtor/ Accounts receivable and assume my Identity to sell commercial paper in my name. Criminal Fraud has no statute of limitations and I will defend against any Corporations, Individual, Private Entities that is affiliated with the U.S. government or Not affiliated, and I will seek my remedy and stand up for my Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have an unverified accounts on my credit report and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I request a Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX X 2

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 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GreenSky, LLC
State: MI

Complaint narrative:
GreenSky , LLC. dismissed all my complaints and closed them without fully investigating the situation. A representative that I've never even spoken with before, closed my cases and claimed GreenSky did an " investigation '' on my overcharged account closed my claims, while my actual caseworker has been out of town for a week, never fully investigating my case. The representative that closed my case said I I was notified of a price increase by XXXX XXXX, and I most certainly had no idea. I have medical proof from my PCP that was faxed to my caseworker yesterday, so GreenSky did not do a full investigation. My caseworker said she would call me Monday, when she returned to the office to further investigate my case, but some other representative closed my cases without knowing the full scope of the situation. I have medical proof that I was unable and not able to come in for XXXX XXXX. There is fraud happening with GreenSky and XXXX. I'm XXXX and live off a XXXX check. The manager of XXXX was very deceptive about the pricing. She did tell me the 50 % off treatments applied to any treatments I got but it's news to me that there was a price increase. If they tried to tell me they didn't do a good job because I had no clue. Why would a person who lives off of XXXX sign up for a $ XXXX contract without being lied to about the price? I can hardly afford my bills as it is. Thieves.

Company response to consumer: Closed with explanation