vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) of XXXX fl said we was gon na meet up at a local plaza because I was buying an item from him. I contacted him today ( XXXX ) to tell him if we can meet up right now & Ill give him money he proceed to say send him the {$200.00} through XXXX  for the item so I did & then he blocked me. I have contacted chase & XXXX  & they refuse to do anything or even dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/21 we set up in XXXX XXXX  bill pay to pay {$320.00} to XXXX XXXX Bank XXXX On XX/XX/21 XXXX XXXX sent our bill payment to Capital One Bank without our knowledge or approval. On XX/XX/21 Capital One Bank deposited our check. We do not have an account with Capital One Bank. We have contacted Capital One Bank to recover our funds that were sent to them in error. No resolution has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
on XX/XX/2021 I used cash app on my for from XXXX XXXX to send my homeless sister in law XXXX XXXX {$190.00} dollars to the username of $ XXXX per the cash app but my sister in law has sold her old cellphone that is connected to her account to another person while traveling and that person has access to her cash app account. My sister XXXX XXXX never received the funds of {$190.00} I had sent her by my cash app account with XXXX XXXX. I requested a refund by the person who now owns XXXX XXXX cellphone and he said he would not refund the funds and I have explained to cash app support for XXXX XXXX and the XXXX XXXX support said they would not refund my {$190.00} dollars at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: CO

Complaint narrative:
In XXXX XXXX, I called XXXX XXXX, to clean my AC unit and furnace. XXXX XXXX was having a special price to complete both cleanings for {$29.00}. The XXXX XXXX service person, was in the process of cleaning the furnace and brought to my attention the condition of the furnace. The circuit board was burnt around the holes where the diodes and resistors are soldered in. The previous owner installed the furnace directly on the floor, instead of platform, which is the proper way to place a furnace. There were numerous and dangerous issues with the furnace. The service person, advised me that it would be best to replace the furnace. After seeing the pictures of the furnace, I was in agreement. The XXXX XXXX service person, then called the office and a manager was instructed to come to my house to sign a loan agreement. I signed the agreement, thinking that there wasn't an option or an alternative for me, as I didn't have the funds to buy a new furnace and have it installed. Once I began making payments, I noticed the principle balance never decreased. After going over the details of the loan, I also noticed that the majority of the monthly payment, is interest charges on the loan. To date, the balance still remains at above {$10000.00}. I called Greensky and asked them to have the furnace removed and I would find a new one on my own and have it installed. Greensky advised me to call XXXX XXXX, to see if they would be willing to remove the furnace, they refused. Now I am stuck in this payment that is quickly going nowhere. The principle balance and the interest remains the same, after making payments for almost a year now, the same figure remains on the invoice, it does not go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: FL

Complaint narrative:
I have LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.

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 2021-10-15 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: FL

Complaint narrative:
I have LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: FL

Complaint narrative:
I have LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.

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 2021-10-15 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STERLING BANCORP
State: NY

Complaint narrative:
My name is XXXX XXXX. I am a Sterling National Bank customer. 

I have an issue I want to resolve, however it seems my bank doesn't want to help me to resolve this. 

On XX/XX/2021 I made some transactions and paid someone I bought something from and the payment went through. However after I received my bank statement, I didn't remember the charge anymore so I filled a fraud dispute mistakenly. 

After few days, I remembered I bought something legitimately and reached out to my bank that it was a valid charge. I told my bank dispute department on the phone to cancel all the disputes I earlier filled. 

The next day I also visited the bank branch and told them to cancel the disputes and write to me officially about the cancellation of the disputes so that I can show the merchant, but my bank has not sent me the letter I requested for. 

I have told my bank several times that the charges involving my debit were valid charges and I do not want to proceed with the disputes anymore. I do not share my card with anyone. 

I am making this complaint because my bank has not written to me about the cancellation of disputes. 

Yesterday I received a letter from my bank saying they had given me provisional credits. How can you give me provisional credits when I have already told you that the charges were valid and you should cancel all disputes I reported. 

The case number is XXXX And my card number is ending in XXXX. 

I will attach a copy of the letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There was a deposit made from PPP in to my Capital One 360 checking account ending in XXXX near the end of XXXX, but my funds were frozen. Additional documentation was requested and provided XXXX. via email. I called a few weeks later to check on the status and I was told the documentation was received and to check the status in a couple of weeks. I called back a couple of weeks later and was told the documentation which was my 2019 tax return was never received and to resend it on XXXX and check the status XXXX, as the process should be completed. I still have not received an answer on where they are in the process and my business is suffering because of it. They claim that the investigation could be indefinite, but that does not settle well with me as I could possibly be being discriminated against. I have been a customer for years with Capital One, provided my tax information and previously received funds close to the same amount in the same account prior. I spoke with XXXX # XXXX and he told me that it was not even assigned to an investigator yet, so he was going to escalate my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On the XXXX of XX/XX/2021. I sent a certified mail dispute letter to WELLS FARGO, disputing the inaccuracies on the account, specifically the account number, which is in direct violation of FCRA 609. The certified letter was signed for on the on the XXXX day of XX/XX/2021. I waited 30 days hoping the company will correct the error. I sent a second round of certified dispute letter via mail on the XXXX of XX/XX/2021. Also, nothing happened, and on the XXXX day of XXXX, I wrote my 3rd and final dispute letter, which also fell on deaf ears. I then approached the legal route, to help mediate in the matter. WELLS FARGO did not show up at the hearing, nor sent a representative. A default judgement was awarded on the XXXX of XX/XX/2021, which was not appealed by the defendant ( WELLS FARGO ). I retrieved a certified true copy of the judgement, and I have come to lodge a complaint, so your department can help me enforce the judgement.

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 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Todays date : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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:
According to the FCRA, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Furthermore, I have sent proof to several months back containing an identity theft affidavit as all the items being disputed are a result of identity theft. 

I demand that the following accounts be verified or removed immediately : All the items below are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also , please remove all non-account holding inquiries over 30 days, and add a promotional suppression to my credit file to prevent further identity theft. 

Inquiries as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: PA

Complaint narrative:
I XXXX XXXX ; received a notice in regards to a debt from Linebarger Goggan Blair & Sampson , LLP. Pursuant to Title 15 USC 1692b ( 2 ), Linebarger Goggan Blair & Sampson, LLP which is a debt collector. Shall not state that I XXXX XXXX who is the consumer owes any debt. Not only should they not state that I owe a debt ; they never validated that debt. Which is also another violation ; pursuant Title 15 USC 1692g. Also how did they get my place of abode? I never gave it to them nor did I confirm it. That is another violation pursuant Title 15 USC 1692b ( 1 ). I never gave them consent to communicate with me. That is another violation Title 15 USC 1692c ( a ). Communicated with me at an usual time and also at my place of abode with out my consent Title 15 USC 1692c ( a ) ( 1 ). Telling me I owe a debt, which is harmful to me at any give time to hear ; Title 15 USC 1692d ( 2 ).

Linebarger Goggan Blair & Sampson, LLP ; showcasing the words NOTICE OF DEBT on the envelope. Title 15 USC 1692f ( 8 ). The false representation of the character amount of any debt Title 15 USC 1692e ( 2 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on COMMONWEALTH FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2021 I paid off the balance of my Bank of America Visa credit card in the amount of {$10000.00} using their online website. The amount was debited out of my checking account with my approval. HOWEVER... for some reason, Bank of America duplicated the debit from my checking account on XX/XX/2021 again in the amount of {$10000.00} therefore putting me in an extreme financial bind. I am not wealthy! I called Bank of America on XX/XX/2021 and spoke with an agent who advised they would initiate the process for the credit balance of {$10000.00} to be deposited back into my checking account in 3-5 business days. After not receiving the deposit I called Bank of America back on XX/XX/2021 and spoke with a " Manager '' named " XXXX ''. XXXX advised he would be looking into it and would call me back in 45 minutes to an hour. I never received a call back that day, nor the next day. I need my money back, it is over {$10000.00}!!!!!! Who does that?!?!?!?! I'm beyond irate and will more than likely be contacting a lawyer. This is FRAUD and ABUSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief