vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I made two payments on my loan. The first payment was due on XX/XX/XXXX. I made the payment on XX/XX/XXXX. The payment amount that was due was {$170.00}. I made a payment of {$350.00}, of which, I was told, {$190.00} was applied towards the interest. I made a subsequent payment on XX/XX/XXXX, in the amount of {$170.00}, just four days later. 
When I checked the balance on the loan today, I noticed that my balance was still very high after paying {$520.00}. I contacted CashNetUSA to inquire as to why my balance was so high after making early payments on the loan. They told me that most of the payments were applied to my next interest payment. 

I explained that I did not want to pay interest before it had accrued and that any additional payments made prior to my next due date, I would want applied towards the principle balance-obviously. 

They told me that I could not make early principle only payments-that I had to make additional payments when my loan payment was due. However, that would defeat the purpose of paying additional payments prior to the due date because if I have to wait to make principle only payments, due to the high interest on the loan, I would not be in a good position to pay the loan off early. Furthermore, they were unable to tell me how much interest had accrued since my last payment. 

Someone needs to explain to me how they are able to steal from customers who do not mind paying high interest rates on a short term loan, but who wish to make additional principle only payments to pay the loan off early. How can I pay it off early if they are taking all of my extra payments and applying them to the interest, that has not accrued yet??? 

I simply want all additional payments made, applied to the principle balance of the loan. I also want someone to explain to me in plain English how I can make two payments totaling, {$520.00} pithing a four day time period, and less than {$300.00} is applied towards my principle balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA continues to send correspondence indicating I have requested updates to my accounts which may or may not have emanated from me. The correspondence is not specific enough for me to determine if the changes are an attempt at identity theft, incorrect or unwanted changes, or changes initiates by USAA and not by me. Calls to USAA do not get responses that explain what was changed ( if the correspondence was properly drafted calls to USAA should not be necessary ). This is the second time within the month of XX/XX/2020 that I have received incomplete and therefore inappropriate correspondence for the same two accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: C/C Financial
State: IN

Complaint narrative:
In XXXX of XXXX, I noticed 30 days late on my XXXX  XXXX  report. This was from Merchants Preferred. This account was paid off. The 30 days late were reported from XX/XX/XXXX. This is inaccurate as I paid the loan off in XXXX. I had also made previous payments in XX/XX/XXXX, XX/XX/XXXX, etc. I disputed this though XXXX  twice and Merchants said their information was correct. This Blemish is now holding up mortgage approval for my new home. I've reached out to Merchants Prefered and asked for assistance reviewing the payment statements but they refused to help me. I was able to obtain their payment history which shows I did, in fact, make a payment in XXXX and paid off the account in XX/XX/XXXX. I was not 30 days late in XXXX of XXXX and they will not delete this from my credit report. 

Creditor : Merchants Preferred XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX GA 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 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
When using the app XX/XX/2020 I was preparing to send a payment to an individual. They requested it from me for services. This was prior to the service starting. I was being nice in sending the money prior to the start. The person in question ran off with my money. Blocked my communication and refused to send the funds back. I tried to cancel the payment less than 30 minutes prior to sending the funds. But there was no option to cancel the payment. No option to do anything. ( except ask for a " refund '' of the payment ) I could not even find any useful documentation on contacting cashapp to resolve my issue. So I requested a refund from the individual, sent an email to the company, and have tried to do everything to get this resolved without any communication from either party. 

Beware when sending funds on cashapp because there is ZERO options to cancel the payment, freeze funds, or report an individual. This is a scammers haven and this person has knowingly stolen from at least 3 other individuals ( see attached ) If you make a mistake then that person that just got your funds is very lucky. Because there is nothing you can do, and customer service is a non-existent thing with this terrible company. 

CashAPP, Currently this is an easy way for scammers to take advantage of people online. BEWARE BEWARE BEWARE!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: FL

Complaint narrative:
In XX/XX/2020 I filed with XXXX  XXXX and reported XXXX XXXX and their collector Amerifinancial Solutions about the fraud collection of {$1300.00}. I am a veteran and was sent a letter of data breech along with another data breech from XXXX  some years ago. I have no idea what this debt is but I have sent a letter asking for it to be removed as this is fraudulent. They will not remove it. I also tried contacting the bureaus and they do nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
This is in reference to a apartment at XXXX XXXX in XXXX XXXXI ask for early release from my lease, because I am a XXXX senior and there were dangerous and illegal activities going on there, that was effecting my health and safety. 
I called the management office several times about the problem with no help at all. Then they charged me incorrect charges, and sent me to collections for {$540.00} after they kept the security deposit of {$1100.00}. 
I want these charges removed from collections and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: NC

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-07-08 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: NC

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I called Best Buy credit card customer service to dispute debt protection plan charges that I never ask for on XX/XX/2020 ( around XXXX ). The customer service agent stated that Citi Bank doesn't offer the protection plan service and I would have to call the 3rd party service that put the protection plan on my Best But credit card. I had the CSR give me the number and I repeated it back, she stated that was correct. I called the 800 number that was given to me and it is no longer in service. My statements online only go back to XXXX in which I have been charged around $ XXXXfor the " Debt Protection '' service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 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:
To whom this may concern ; I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  XXXX # XXXX Opened XX/XX/2017. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
Today XX/XX/2020 around XXXX I see an unauthorized charge to a rental company called XXXX XXXX XXXX at around {$400.00}. Shortly after I call my debit card company KeyBank stating I need my card canceled, I have an unauthorized charge and had lost my card. At first I thought the charge was a false charge from my own cancelation of another charge from another company. Then I notice my card was dropped, and I call Keybank immediately. I also see my email is hacked and the fraudulent person on my account is talking to XXXX XXXX. I asked my company to please send the replacement card as fast as possible I paid {$15.00} extra. I said also I need the money soon and they told me it would take over 2 weeks to get my money back and they wouldn't be sure if I could get it back. I need that money to feed myself, I am unemployed. They did not even offer a temporary credit for me and I fear for my overall health.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Center, LLC
State: CT

Complaint narrative:
Credit Center XXXX XXXX XXXX XXXX XXXX, CT XXXX This company is the debt collector for XXXX XXXX aka XXXX XXXX  XXXX XXXX. 

Credit Center XXXX ( XXXX ) sent me a collection notice for the above Medical group. I advised Credit Center that the bill was paid. XXXX investigated and confirmed that my original payment had been applied to an incorrect account. XXXX confirmed that they would get the matter resolved. 

Another month, XXXX  send me that same bill. XXXX  did not correct the mistake and continues to send me bills and now telephone calls. I can not deal with these incompetent persons at XXXX. 

Bill paid, confirmed applied to wrong account, never corrected and constantly harassment from this debt collector. 

I have filed a complaint with the Dept of Banking for the State of Connecticut, the agency that handles " debt collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
My credit report shows a fraudulent collections for the I.C. SYSTEMS, INC. 
XXXX XXXX XXXX XXXX  XXXX, MN XXXX PHONE : XXXX It shows a balance due of {$570.00} for which I do NOT owe. This a FRAUDULENT 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 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Synovus Bank
State: SC

Complaint narrative:
A company contacted me online about a loan, they told me they were going to deposit the loan money into my checking account, The Bank Synovus never has any material posted about online Fraud nor do they have post do not ever give out your information on checking account about loans.Why would anyone not update Bank and their activity on banking with online loan company and companies, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all these are online companies that offer loan but are scam companies why don't Bank regulatory police extend an company to the consumer highlighted warning about these type of people, I didn't know, why hold me responsible for what is real and what is fake, I don't know this is what I depend on the Bank managers and employees to know when i used to be a XXXX at XXXX XXXX XXXX we had every company fraud check listed in a book and every company that issued checks we had a number to call if a check was issued. 
Maybe I having a covid virus XXXX I don't know but I needed a loan for money to move and for doctor bills and for a car, I thought they were legit, But now account is in the negative XXXX and bank gave me the money they said it was real. I ask several times. I put the money on XXXX cards and XXXX XXXX   return to company for them to return money back as a loan they told me my credit was bad and that I had to establish credit and i could do that by returning the money in a fast pace in order to go to the next loan amount and then in the end I could get the amount I want for the loan. This all seem like a SCAM from the Bank Synovus Bank and XXXX XXXX XXXX I have no control over who has knowledge of a good or bad check I was taking a chance I depended on bank to tell the truth and they did not. Please try to help me because every bank I have been with has either scammed me or have done stolen Identity theft on my account. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX settlement XXXX XXXX  XXXX XXXX XXXX  workers comp. settlement, XXXX settlement XXXX half stolen from XXXX XXXX XXXX. ITS like that or keep the change on the money all my life I have had money stolen from me, I never get to keep it to move or be safe, I can't understand who is doing this or if someone has vodoo or roots on me that know each and every time to steal it and I can't move or get a car, XXXX XXXX even sold me a car with faulty wiring that looked like it was in the flood I didn't know what is happen to the world know one wants to help. I said I want someone to help me not hurt me does help sound like hurt me help me please I can't believe that I keep getting SCAM banks cars loans and now seem like people, please think how to get along and help one another. 
THIS IS SCAM and ALONE looking for peace.!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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:
I have noticed false reports on my credit history and I would like them removed as soon as possible. This is causing horrible outcomes with loans and my current employment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TX

Complaint narrative:
I have disputed this account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assets with all three credit bureaus providing documents showing that the account has been paid in full. They have refused to update my credit report with no late payment as well as account being paid in full. I have also filed a complaint with Texas Attorney General 's office against creditor. Please see attached documents.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm having issues with getting the credit bureaus to remove the fraud alerts off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
In the midst of the pandemic I turned to an online company selling toilet paper. I paid {$32.00} for toilet paper from a company called XXXX under the XXXX umbrella of scam companies. They are now defunct. I order the product on XX/XX/XXXX and then canceled it on XX/XX/XXXX. I reached out to the company via the service email confirming to cancel the shipment on XX/XX/XXXX. When I inquired about it I was told it was already sent but the time stamp they provided was XX/XX/XXXX, so no in fact they did not honor my cancelation request. Weeks and month went by and no movement of the package. Did I mention this was being sent from XXXX. I reached out to Payapl several times to help resolve and dispute and there was no movement by them and they said the Seller confirmed shipping, but did not see that there was nothing going on with the shipment. Paypal seemed to support their Seller more than they did me as the US based customer. Paypal is part of the problem as they have the power to refund my account since I used them to process the payment. The seller did not act in good faith and has set up many of these shell companies to sell pandemic related products. XXXX XXXX has allowed this price gouging to occur and continue to support the Seller even with it has been over three months where the product has not been delivered. I attached my email to Seller requesting to cancel and refund order and the shipping label when the product was sent a week later. As of today XXXX product as not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 my mother and I were scammed for most of our money. The scam artists convinced we were both kidnapped. After transferring money to them through XXXX XXXX and XXXX XXXX, my family was worried about me and called the police. They tracked me and the police found me talking to the scammer. They said that my mom was fine and relieved I finally hung up. I called XXXX XXXX and XXXX about this incident. As the fraud department at a chase was closed, I called them on Monday to report a claim. Chase said they will call me for more information and never did. I called on Wednesday to check the status and they said they denied it was fraud because I physically sent the money. I could not believe it. After going through that psychological traumatic experience, Chase did not even further investigate this claim. I wish something could be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Sentry Credit, Inc.
State: FL

Complaint narrative:
To whom this may concern ; I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX BANK XXXX # XXXX Opened XX/XX/2017. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation