vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 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: VA

Complaint narrative:
Your options for the problem do not provide the actual issue. Square Inc who owns Cash App has not be able to provide a PIN # FOR MONTHS. One of primary issues, is all the communications to and from is via email. This is not proper customer service and is unacceptable. At lease allow their agents to call the consumer back instead of sending an email. As the email may not answer and respond back that may take another 2-3 business days in addition to the original 2-3 business days originally. Therefore, this back and forth could take about 2-3 weeks. To get an answer to an issue is not the best customer service a business can provide. I have another issue with their verification service PLAID. I need manual intervention to help get my account set up but I no one has been able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
We have had a fixed loan which includes our property taxes and insurance. We have never missed a payment. We are going on over 9 months of an additional {$100.00} added to our fixed loan payment. Our mortgage company was at default with our house insurance and was being canceled if not payed. I took time off work to directly go to our insurance manager and have the payment directly wired. Our mortgage company said they had sent out a check, which was routed to the incorrect facility. The check was destroyed and an email documentation was sent to the proper department for confirmation. We have made several calls to confirm that there was never a double payment, refund or credit on any account. Which made us responsible for the extra amount of escrow monies added to out monthly payment. Our mortgage company has promised to take care of this. No calls returned. No credit applied. Not a word from anyone. Flag Star Bank. We have confirmation numbers, names, and our insurance/county representatives fully behind us to confirm that Flag star bank has not represented us fairly.

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 2020-03-05 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: Hillcrest Davidson & Associates
State: CO

Complaint narrative:
Every creditor/company that Ive researched on my credit report and disputed due to accounts not belonging to me, but came back as my statement being my responsibility, is THE MOST frustrating! I am RE-DISPUTING with complaints to every single creditor that is claiming otherwise. I want PROOF & ORIGINAL DOCUMENTS that show that these balances AND accounts actually belonged to me with my signature present!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Every creditor/company that Ive researched on my credit report and disputed due to accounts not belonging to me, but came back as my statement being my responsibility, is THE MOST frustrating! I am RE-DISPUTING with complaints to every single creditor that is claiming otherwise. I want PROOF & ORIGINAL DOCUMENTS that show that these balances AND accounts actually belonged to me with my signature present!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 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: TX

Complaint narrative:
These accounts are fraudulent : XXXX XXXX XXXX XXXX {$880.00} XXXX  {$1000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$2700.00}

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 2020-03-05 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I purchased a brand new car In XX/XX/XXXX I used my credit card as the down payment for {$3000.00}. In XX/XX/XXXX I found out that the car was sold to me damaged along with non original parts I kept contacting the merchant and they WIll not communicate with me I chose to get my credit card company involved to find out what is going on I spoke to them in XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I have provided them with numerous documentation to show proof that i am In the right and the merchant is in the wrong my credit card company just turns around every time I dispute the charge and tells me to resolve it with the merchant they will not do anything about it. The merchant will not communicate with me so that's why I am trying to have my credit card company handle it but they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. I didn't authorize these inquiries, and there the name is wrong on my credit profile Please delete them 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 2020-03-05 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:
These accounts are fraudulent : XXXX XXXX XXXX XXXX {$880.00} XXXX {$1000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX   XXXX  XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are fraudulent : XXXX  XXXX XXXX XXXX {$880.00} XXXX {$1000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$2700.00}

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 2020-03-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The three Credit Report Agencies EQUIFAX, XXXX  and XXXX  lowered my Credit Score recently in the amount 50 to 100 points. This reduction is due to High Balances on my Accounts which is normally legal however there is no evidence that do to these balances my payment history change. The Credit Score is the first thing a Lenders see there are very few if any to look past that score before denying credit. I have made 100 % of payments on time for the past 5 years however I was denied recently by XXXX XXXX XXXX XXXX where I have been a member for 6 years due to this misinformation. It is quite damaging to me as a consumer that affect the quality life of my family. If a Credit Reporting Agency is going to release that type of damaging information a notation should be send to the Lender up front that the Consumers payment history status is still 100 % perfect if there is evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The three Credit Report Agencies XXXX, XXXX  and Experian lowered my Credit Score recently in the amount 50 to 100 points. This reduction is due to High Balances on my Accounts which is normally legal however there is no evidence that do to these balances my payment history change. The Credit Score is the first thing a Lenders see there are very few if any to look past that score before denying credit. I have made 100 % of payments on time for the past 5 years however I was denied recently by XXXX XXXX XXXX XXXX where I have been a member for 6 years due to this misinformation. It is quite damaging to me as a consumer that affect the quality life of my family. If a Credit Reporting Agency is going to release that type of damaging information a notation should be send to the Lender up front that the Consumers payment history status is still 100 % perfect if there is evidence.

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 2020-03-05 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: NV

Complaint narrative:
These are not my accounts. I didn't authorize these inquiries, and there the name is wrong on my credit profile Please delete them 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 2020-03-05 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: NV

Complaint narrative:
These are not my accounts. I didn't authorize these inquiries, and there the name is wrong on my credit profile Please delete them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ONEMAIN FINANCE CORPORATION
State: OH

Complaint narrative:
I took 2 predatory title loans out, both with the same company, OneMain Financial. The first loan was for approx. {$2000.00}. On my credit report, my first loan with OneMain opened XX/XX/XXXX. I paid about half ( {$1000.00} ) off, and then I needed money again, and they had been urging me to take another loan out, so I did, taking another {$1000.00} out. They had always been super nice to me, and I was good about keeping my payments on time. I took the second loan ( according to my credit report ) on XX/XX/XXXX. Looking at my credit report, they wrote the first loan off as the second loan would be a refinance since I still had an amount of XXXX still to pay. Everything was pretty good until I started to run into financial hardship, with my son being XXXX XXXX XXXX XXXX which then took money away from me in XXXX  XXXX. I suddenly could only afford basic things on my fixed social security income. That is when OneMain got really irrational, and then they started to call me multiple times a day and essentially harass me to pay back my debt. I told them multiple times that I could not make my payments anymore, and told them to repossess my car. I had a second car, so it didn't really matter. They kept on harassing me and harassing me until about XX/XX/XXXX. They would call as early as XXXX, and then as late as XXXX. They always harassed me by saying that if that I got my car repossessed ( like my wishes ) that it would destroy my credit. On the last few calls, they started to threaten legal actions ( civil lawsuit ) and that they would have the ability to garnish what little I already have. They finally stopped calling, like I said, in XX/XX/XXXX, to only find out that my account is closed apparently. I don't exactly know what this means, as they did send notification of that they were closing my account, I didn't know what they exactly did, until about a few months ago, when I looked harder at my credit reports, and OneMain closed the account with the remark " purchased by another lender ''. No other lender, or anyone, has notified me about my status. Now, I am trying to get rid of the car that has the lien on it, and I am trying to see who has the title, and my state BMV says that OneMain still has the title as a lienholder, even though my credit report says that they sold my account to another lender, and then OneMain also has closed my account clearly with them. No other lenders are showing on my credit report, only the ones that I know of. I am really confused, and when I try to access my online account with OneMain, they also say that I don't have any accounts with them. I don't know who to contact, and also I don't know how much my loan was sold for, or really anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Im writing in regards to Paramount Recovery having multiple derogatory marks on my credit for the same exact charge. I would like a validation of this alleged debt. Im not even 100 % sure from whence this originated. I have not received anything in regards to how to contact them, and it is not very clear how to file a complaint and/or dispute any charges on their website. Ive read various complaints about how notorious they are for trying to collect multiple times for the same amount. I demand that this be investigated! This feels like a scam and it has caused extreme detriment to my creditworthiness, and I have been charged astronomical interest rates as a result. I need this fixed ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-03-05 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-03-05 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: IN

Complaint narrative:
Us bank calls me every day on my credit card. My payment will be one month late and each time I talk with them I told them I was going to pay a large amount at once due to my house being sold. They hoards me sometimes calling two and sometimes 3 times a day. This is total harassment. I've told them I had a XXXX XXXX and had to change jobs it's XXXX XXXX XXXX. I want them off my back I reccomend nobody uses bank credit cards or morthage. They are not people friendly

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 2020-03-05 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: CA

Complaint narrative:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.

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 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I went to the XXXX XXXX XXXX on XX/XX/2020 at approximately XXXX to reload my Prepaid AE Serve Card.  The clerk swiped my card and I gave him {$500.00} cash. {$490.00} to be reloaded on the card and {$3.00} for the service. He told me that it wouldn't go through and gave me my {$500.00} cash back. I left the store and drove to the XXXX XXXX XXXX about 3 minutes away. At the XXXX XXXX XXXX where I normally reload this card. So I swiped my Prepaid AE Serve Card and gave the clerk {$500.00} cash. {$490.00} for the reload and {$3.00} for the service. The clerk handed me the receipt and I left. When I got home I checked my card and found a {$0.00} balance. On my Prepaid AE Serve Card Account 2 transactions on XX/XX/2020. 1st is a reload at XXXX   XXXX  for the amount of {$490.00}. And the second ( last ) transaction a withdrawal from XXXX XXXX for {$490.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: CA

Complaint narrative:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.

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 2020-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I took out a auto loan from Santander in 2016. I will Admit the payments for about two months behind. I caught them up through a wire transaction. The next month recieved a bill for XXXX dollars again and my payments were only XXXX. They then processed to have my car repoed gave me a certain time to come up with payoff repoed my car almost 3 weeks early. Ruined my credit. OverchArged fees, never recorded payments. Sold my car at Auction for a little over 3 k and are now suing me for supposed XXXX k. I have no car my credit is ruined and god bless me these crooks have lawsuits from here to next Sunday I do not understand how they are still in business. Please help.

Company response to consumer: Closed with explanation