vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 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: Carvana Group, LLC
State: CA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
These Inquiries were unauthorized and need to be removed from my credit report immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
These Inquiries were unauthorized and need to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
These Inquiries were unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: Westlake Services, LLC
State: CA

Complaint narrative:
These credit inquiries were unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
These credit inquiries were unauthorized and need to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was trying to purchase concert tickets through XXXX and it ended up being a scam. I sent {$86.00} through PayPal and I am unable to cancel the money and they declined my dispute for a refund as I authorized the transaction. Yes, I sent the money but I never received my tickets at this is a scam I now see all over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: Block, Inc.
State: PA

Complaint narrative:
I was using the Cash App, by SQUARE , INC, as an account to separate budgeted money for my wedding in XX/XX/2019. 

In XX/XX/2019, my debit card linked to Cash App was declined. When I went to the app, I was surprised to see my account had been closed, saying I violated their user agreement. I don't know which term ( s ) were violated specifically as I have not had any personal communication from customer service, only generic automated emails that I will describe below. I tried to contact customer service to reopen my account, but was unsuccessful at contacting anyone. There is no phone number to call, only an entry form to send an email to customer service. 

After emailing customer service, I received a generic email response stating my account was closed and to follow instructions to add my bank debit card or account to withdraw my remaining balance. 

I followed the instructions that were sent to me to retrieve my remaining balance. After going through all the steps, at the end, to verify my account, I am redirected to a screen saying that my account is closed and that I need to add a bank account or debit card to withdraw any remaining balance. Adding a debit card manually results in a response saying my account is closed and to contact customer service. Adding a bank account using the bank login and password also results in a screen saying I can't do that because by account is closed and to contact customer service. The third and final option to verify my identity is to scan my debit card. This will also result in a message stating my account is closed and that I need to contact customer service. Each time I contact customer service using the only method provided, I get an automated response with directions described above. I have screenshots of each generic email showing I received their generic response on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With exception to these generic emails with faulty instructions to retrieve my remaining balance of {$220.00}, there has been no attempt by Cash App or SQUARE , INC to contact me to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I, XXXX XXXX have been financially attacked in a private game followed by the public when possible. When purchasing things to better my own life, other people have announced they are trying to kill me for not following my dad 's advice, which led to bank accounts and credit cards being closed fraudulently without my permission at XXXX XXXX specifically associated with XXXX XXXX deposits and at XXXX XXXX XXXX for XXXX 's affiliation with presidential campaigns. In addition, specific problems related to banking with college graduates voting and engaging in activities associated with CEO 's taking on my home city using my names occured at XXXX XXXX. Numerous credit inquires continue to appear without my knowledge or personal gain of knowledge hindering my ability to get a job and maintain permanent social housing or to be compensated for brain damage experimentally imposed. Please remove XXXX XXXX from my report an notify XXXX XXXX to return my {$300.00} since we expect to return the credit scores and buy a big house.

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 2019-08-22 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: AES/PHEAA
State: CA

Complaint narrative:
The payment history shows current one month and 60 days late on the very next month. This item is reporting incorrectly and according to the FCRA it is not reporting 100 % accurate and should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IA

Complaint narrative:
When ever I open any form of a credit or bank account XXXX early warning system, reports so incorrect and miss use of there power because Not one single person is checking on the fact that I was avictim of the XXXX breach and XXXX XXXX Breach to also be top off by my realtive whom I share the same name as well as DOB, and Social security number being swapped around.thusfore if the credit bureaus and ers were properly doing there job they would have caught my aunt using my name as well as my Social Security Number and other vital information was on the dark web for sell and yet coupled with the knowledge of this the**MASSIVE ISSUES** I'M BEING HEEALD RESPONSEABLE FOR MY IDENTITY BEING OFFERED TO WHOMEVER BECAUSE OF BOTH EQUIFAX AND XXXX XXXX, NOT HAVING A MORE SIGNIFICANT DATA PROTECTION FIRE WALL AND OTHER ADVISIVE SECURITY BASE TO PREVENT THE CONSUMER OF BEING UNWILLING PARTICIPATES IN THERE GAME AND SPOKEN TO AS THOUGH WE WERE THE SUSPECT.ALL CREDIT BUREAUS KNOW THAT I WAS A victim of identity theft due to the fact that my aunt was perpusly willfully and premeditatedly using my identity and commiting fraud against stores and shop owners as well as several bank institutions. My family and the late judge XXXX worked tiresly to prevent me from being a unwilling and unparticpant yet no one has decided to go on with doing what is the right thing to do and correct all the wrongs they have allowed to go on ruining my life and my credit. I'm asking for all corrections and experid be removed and strickened from my reports, public and private within the,30 day time frame alotted by law.if you have any questions please feel free to contact me again via phone @ XXXX Sincerely Mom

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I tried to make my payment to capital one twice but for some reason or another the payment account that I made the payment had my card on hold which I didnt know while I was making the payment. While I was trying to correct the missed payment capital one proceeded to close my credit card account without giving me any kind of notice saying that they were closing it. I tried to go ahead and still apply the full payment to my account to pay it off and capital one would still not let me correct my account to keep it active.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a certified USPS mail of my complaint to Experian Credit Bureau on XX/XX/2019. 

I requested proof of validation of debt documents to be submitted to me by both XXXX and XXXX XXXX XXXX.The letter is attached, indicating all the required information that was requested, and that required a response. 

Upon completion of their investigation, I did not receive any of the documents requested, but yet Experian updated my credit report without deleting both accounts, for failing to respond to my request.

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 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
There was an unauthorized transaction from my account for {$150.00} back in XXXX of XXXX to XXXX and I submitted Chase Bank a signed declaration stating that it was fraudulent. However Chase Bank after refunding my funds took them back stating that because I was a customer of XXXX that the transaction was authorized. I contacted XXXX and informed them and we had several 3 way conversation with Chase Bank. In fact XX/XX/XXXX XXXX submitted a letter to Chase Bank informing them that the transaction was not credited to any account of mine and it was misapplied. Still with that letter and my sown signed statement Chase Bank has refused to recoup my funds and that has been going on since XX/XX/XXXX and the last communication I had was the resubmitting of the requested documentation XX/XX/XXXX and the last phone call when I was informed that the case was closed back in XXXX of XXXX in spite of the Banks request for more documentation. I have been told by both companies that there is nothing they can do about it each one is blaming the others and telling me their policies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2019 I applied and was approved for a XXXX credit Card in a XXXX  store in XXXX, CA. I used the store 's computer and created an online account with a login and a password. I purchased two tires and charged them to the account. I was given a receipt that included only the last four digits of the card. It has been 23 days and I have not received the card. I received an email saying my bill was available online but when I login with the info. I created at the local store it accepts the login but requires me to enter the CC account number and the security code from the card as a verification step. I do not have the card. I've called twice. The first time I called they told me to be patient, the card would arrive soon. The second time they claimed they tried to call me to verify my info. before sending out. They then verified over the phone and said they would expedite card delivery and I'd receive in two days, its been one week and still no card.All my info. was verified during the application process in the store. I did not receive any call nor any messages. Both times they said they could not give me the account number over the phone. This is preventing me from making a payment and can cause me to be late and impact my credit. Their behavior is fraudulent and therefore illegal.

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 2019-08-22 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: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2019 I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, NJ using my PNC Bank Credit Card. When they came to deliver the furniture it was used furniture, so I declined the delivery and did not take possession of the goods. I called and visited the store to try to work things out with them, but they where not helpful. I contacted my PNC Bank Credit Card and advised them of the problem and they said that they would put a hold on the transaction and investigate the matter. In the mean time, XXXX XXXX XXXX XXXX went out of business. PNC Bank Credit Card declined giving me a credit claiming that their investigation revealed that there was no billing error. I strongly disagreed and sent them another letter with another copy of the sales receipt as proof that I did not purchase used or " Floor Sample '' furniture. PNC Bank Credit Card has not replied to my second letter requesting that they reconsider or advising me of their appeals process or supplying me with the documentation that they used to deny my claim/credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22 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: MoneyLion Inc.
State: MN

Complaint narrative:
I took out a loan from MoneyLion via their app for {$500.00} earlier in the spring of this year ( 2019 ). I made payments as scheduled on time automatically until I selected to pay off the balance in full which was around {$400.00}. I went into the app and selected the account ending in XXXX I wanted the payment pulled from. The account the payments were coming out of was MoneyLion 's checking account administered by XXXX XXXX XXXX. I had my other account linked and all was good in the app but the payment did not come out. I called in and they usually have a 20+ minute hold time minimum, so calling in is gruesome. 
I talked to a rep who assured me they disconnected their account and that it would come out of account ending XXXX and resubmitted balance in full, to which it never came out. Fast forward to XXXX of 2019 I contacted them as payments have not been coming out and they stated that the account is not linked to take them, which I was not sure why. 
I then tried to pay it in full again and they said that their system " had an error '' and it " kept trying to take it out of the account that we allegedly unlinked. '' I verified my routing and account numbers for my XXXX XXXX account and the payment was finally taken out for balance in full. 
NOW, fast forward to XX/XX/XXXX they reported me to all three bureaus that I was 30-59 days late on my payments. This may be true on paper but I tried to pay this off THREE times and their system had a " glitch '' or whatever they called it where the payment would not come out. This caused my credit score to  drop 59 points!!! This is unbelievable. I contacted customer service by emailing " XXXX '' to only be told to dispute it with the CRA 's. I disagree, what they are doing should be illegal, its their mistake their system had issues, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Settled the account in XX/XX/XXXX the last transactions in the beginning of XX/XX/XXXX accompanied with a hand signed letter saying we would receive a satisfactory of the loan document along with the mortgage note and deed. Now the most recent letter from the bank is saying I'm in default and 30 days delinquent. I have went to the branch in person was told they applied the funds incorrectly on there end and promised me I was good and settled now we owe everything all over again I don't understand how they can do this and get away with it I'm XXXX and feel I have been taken advantage of me I'm still learning and contracts and law is complex and takes time and experience please help me. I want to know who holds the note to this mortgage and I want to know why the banks think they can steal all the escrow then re apply my principal curtilment payment s back to the outstanding balance!?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I sent a certified USPS mail of my complaint to XXXX Credit Bureau on XX/XX/2019. 

I requested proof of validation of debt documents to be submitted to me by both XXXX and Barclays Bank Delaware.The letter is attached, indicating all the required information that was requested, and that required a response. 

Upon completion of their investigation, I did not receive any of the documents requested, but yet XXXX updated my credit report without deleting both accounts, for failing to respond to my request.

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 2019-08-22 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I sent a certified USPS mail of my complaint to XXXX Credit Bureau on XX/XX/2019. 

I requested proof of validation of debt documents to be submitted to me by both HSBC and XXXX XXXX XXXX.The letter is attached, indicating all the required information that was requested, and that required a response. 

Upon completion of their investigation, I did not receive any of the documents requested, but yet XXXX updated my credit report without deleting both accounts, for failing to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The late payments reflected on XXXX XXXX XXXX XXXX is not correct, I was not late on the month shown on the credit report, re investigate it and fix the accounts on 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 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
The original company was XXXX XXXX. They submitted a collection to Caine Weiner ( I have never received anything from this company ) stating an amount was still owed, after they sent me a cancellation notice showing a XXXX balance, and effective the date I requested my policy be cancelled. I wasn't even due to renew the policy with them until two days after the cancellation. XXXX came back after the fact, with a cancellation notice, showing a balance of {$79.00}, and claimed it was various accumulated fees. I told them if I in fact owed such fees, why wasn't I charged with them at an earlier date, when they claim the fees were for. It did not make sense or sound right ( legal ), and I felt I did not owe a balance, and they should honor the cancellation notice that I was sent, immediately after my request to cancel the policy.

Company response to consumer: Closed with explanation