vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, my card suddenly stopped working due to unusual activity. I accepted it because I recently joined an XXXX XXXX XXXX and have been placing multiple orders. The people in the group also noted their banks have done the same. I simply reached out To Cash Apps support team via the app and let them know that the card was being used by me and to please unlock the account. On XX/XX/XXXX, I tried to send the balance to my account and kept getting the Cashout failed error. However l, the cashout I did on XX/XX/XXXX was successfully deposited into my account that evening. My boyfriends birthday was the next and I wanted to send him some cash and found that i was still able to send money from my bank account just not My Cash App balance. I also began to follow them on XXXX  and saw that I was not the only one with problems accessing the funds on Cash App. On XX/XX/XXXX, I Sent a few messages on XXXX asking them to please look into my account. No response was given. On XX/XX/XXXX, I received an email stating my name on the account did not match my unemployment deposits. I knew that couldn't be right and I sent in the documents asked for the same day. My name did in fact match my deposits. Later that evening I saw on XXXX that someone else received the same exact email word for word and upon further investigation there were dozens of others receiving that email. I also received more deposits to my account form Unemployment ( backpay ) and they successfully were deposit however, I have no access to the funds. I reached out again over the next few days to Cash app via the app, on XXXX  in XXXX  as well as their direct messages. Cash app does not have live support and is hard to get ahold of. It seems they are sending out automated messages to their clients and not actually addressing the issue. As of Today XX/XX/XXXX, I have {$1900.00} in the account and can not access it. Another deposit should be scheduled soon and there will be more money I can not touch. I have bills to pay and can not send the funds to my linked bank account but Cash app will gladly allow me to add. This is unacceptable as we are in the middle of a pandemic and funds are desperately needed. They advertised using their direct deposit but have however made it difficult for those who decided to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: IL

Complaint narrative:
I am in good standing with all of my accounts have paid down a considerable amount of debt in the last couple of months and even had a credit score in the 700s. After the cares act in XXXX, my student loans were put in forbearance through that act and I believe that they are being falsely reported because when I check my credit recently I have a 40 point credit decrease. And this time I have not open any accounts and made any debt or or hard inquiries. I really need help in investigating this manner because a 40-point decrease a my credit score does not make sense to me and the only thing I can see on my report is remarks from the department of education and it does not provide any further information about why my credit score has taken such a large hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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:
LIST THESE ACCOUNTS ALSO : XXXX XXXX  {$5500.00} XXXX/XXXX  {$25000.00} ALL : DPT ED/XXXX XXXX   XXXX  XXXX  XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$200.00} {$1400.00} {$140.00} {$240.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX {$570.00} XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} {$240.00} {$140.00} {$1400.00} AND ATTACHED FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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:
LIST THESE ACCOUNTS ALSO : XXXX XXXX  {$5500.00} XXXX/XXXX  {$25000.00} ALL : DPT ED/XXXX XXXX   XXXX  XXXX  XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$200.00} {$1400.00} {$140.00} {$240.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} {$240.00} {$140.00} {$1400.00} AND ATTACHED FTC

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 2020-05-25 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:
LIST THESE ACCOUNTS ALSO : XXXX XXXX  {$5500.00} XXXX/XXXX  {$25000.00} ALL : DPT ED/XXXX XXXX   XXXX XXXX  XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXXXXXX {$200.00} {$1400.00} {$140.00} {$240.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX  XXXX {$570.00} XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} {$240.00} {$140.00} {$1400.00} AND ATTACHED FTC

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 2020-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, Bank of America overdrafted my account by charging {$760.00} dollars for a check written for {$76.00}. BOA kept my account overcharged for a week plus overdraft fee.. BOA allowed XXXX XXXX to submit an ach withdrawal for an incorrect amount resulting in my account being overdrawn and having to borrow money from parents. I called boa several times but was met with indifference and told me it would be corrected over time. But I had no money for groceries. I had to borrow {$800.00} from my father causing me embarrassment and emotional distress for one week. BOA Has since corrected the charge but there has been no apology no reimbursement Offered for Having to borrow money.

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
Consumer complaint received 2020-05-25 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 Follow Up XX/XX/2020

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 2020-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I reviewed my car loan contract and the contract I signed did not EXPLAIN how my payments would be applied if late. When they apply the payments there are no guidelines to follow. It simply says on the contract they applied them how they see fit. I reviewed my payments and realized I paid XXXX some months and for more than a year. They never applied any payments to interest. When I call and ask for a description of why they never applied such large payments to the principle they could not give sufficient explaination, they simply applied it to what the called the interest. In this case the consumer never knowing how much interest they are paying and what is it based on. I figure my interest should be now around 6 dollars a day and if late 2 days, the ADDITIONAL interest should only be at XXXX dollars a day. Remember the amortization schedule includes the principle and interest.Exerter ignores the schedule and applies the payments to a falsly calculated interest bucket that doesn't take into account the schedule. Exeter finance is in breach of the truth in lending act. They need to re review my loan and all of its customers for the miscalculated interest. And also pay fines for not presenting a fair and legal contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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:
EXPERIAN PUT BACK A STUDENT LOAN UNDER ANOTHER NAME FTC REPORTED 1 YEAR AGO ALL FTC VIOLATIONS FTC DEEMED TO BE IN VIOLATIONS AS LISTED : XXXX XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute

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 2020-05-25 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2020 I sent out 609 letters to the 3 credit bureaus XXXX, XXXX, and XXXX. These letters detailed the incorrect and inaccurate information being reported to my credit profile. On XX/XX/2020 I sent out 30 day demand to comply letters to all 3 credit bureaus. These letters also detailed the incorrect and inaccurate information being reported to my credit profile. Letting them know it had been 30 days and that I would filing a complaint with the CFPB. Today is Monday XX/XX/XXXX well over 30 days and I still haven't received any results from their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
my paypal mastercard card. i went to use my card and i was declined. i talk to a sup name XXXX she was rude nasty and arumentative with me. IS THIS NOW YOU RUN YOUR COMPANY. I NEVER GOT A BILL. I WORK IN THE XXXX  AS A FRONT LINE EMPLOYEE I NEVER A A BILL FOR XXXX. I SPOKE TO XXXX SHE NEED TO BE FIRED AND WAY SHE TALKS TO PEOPLE.

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 2020-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I used to be able to tie my account from pins into the XXXX   app because it really helped me when I was in a pinch to get money u til my next pay day.. and now there was something changed with the app and I can no longer use the service!! This is completely ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
CALLED TARGET RED CARD I FOUND FRAUD FROM XXXX I DID NOT PURCHASE. I ASKED FOR NEW CARD TO REPLACE ONE ENDING a XXXX they said i had to call back rep was hard to understand poor English. i need a new card and all XXXX purchases are FRAUD i did not order or authorize i think a cleaner for my home did it not sure. please send card and return funds for fraud. i will report to police as ap given the pandemic. i should not have to call again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK

Complaint narrative:
I refinanced my installment loan with ACE/populus on XX/XX/XXXX total due $ XXXXwith nobpayment due until XX/XX/XXXX. 
On the week of XXXX, I went back to the store location and asked the clerk if I were to make a early installment payment would my loan increase to {$700.00} or the max that I could borrow. 
The clerk XXXX plainly explained that my payments were due on the XXXX and I would not be late pay until after XX/XX/XXXX since the XXXX would be 9 days past my first payment due date that I can be 10 days late on. 
This complaint is about XXXX, Ace opolus employee, she called and left me the most basic collections message on XXXX. My loan was not due until XX/XX/XXXX. She had no reason to call me ahead of time, I was told by her in person that I can't refinance on XXXX when I arrived at the store to pay early but was told I had until the XXXX of XXXX which would be the 10 the day. 
My complaint is illegal collection practices and/or phone games if she is allowing others to refinance using my name since I am a victim of identity theft. Unsure why she called me, my loan payment was up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I was shopping at Macy 's on Sunday XX/XX/XXXX in XXXX XXXX Colorado. I wanted to use my Macy 's card. The clerk, whose name I remember is XXXX, told me my current card was expired and I had to apply to renew my card. 
I was a bit confused but agreed, he did not tell me this was a brand new credit card with American Express. I was not informed of anything. This is total fraud. 
I only knew when I looked at my receipts later where it said I had a new Macy 's American Express card and it was separate from my current card. 
I went to the service desk where people return items and someone said sorry and I believe she also lied to me, saying that in order to use my existing card again they would have to do a soft credit check anyway so no big deal and she would talk to XXXX. 
I feel violated by this action.

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 2020-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Every month when I make my payment, I choose the Custom Pay option and pay the minimum on one loan and an overpayment on the other in an attempt to pay it off faster. I have kept track of my payment amounts and balance amounts since XX/XX/XXXX though I have been doing it this way for much longer than that ). Every month when I would log in to pay, I viewed the balance information and noticed that they consistently disregarded how I wanted the extra money to be allocated. I called on XX/XX/XXXX to discuss. The rep told me that she recommended that I make the minimum payment then log back in after several days to make an additional payment, which is ridiculous. Why have the Custom Pay option if it must be done that way? She also said she would put in a ticket to have the payments fixed from XX/XX/XXXX going forward ( since thats how long my records went back to show how much was being allocated to each loan ). I never heard anything else from them regarding this. The payments were never fixed. I continue to pay this way and each month they seem to disregard how I want that extra money allocated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage is clearly trying to defraud me out of money. We had our mortgage through XXXX XXXX. They sold our mortgage to ShellPoint. We have a fixed rate, and our principal/interest payment has always been XXXX per month. We have since escrowed our homeowner 's insurance, which should be XXXX per month. Shellpoint has taken this opportunity to steal money from us. Our mortgage should be XXXX and that is what it was when we had an escrowed homeowner 's insurance through XXXX XXXX. We called our homeowner 's insurance company and they verified for us that our annual payment is XXXX. Divide that number by XXXX, and you get XXXX. Simple math ... Shellpoint is literally stealing from us. I want to file criminal charges against them. How can I do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 I was the victim of an elaborate scam. I contacted XXXX after researching catteries with the hope of purchasing a kitten for my child. I initiated communication with this 'breeder ' via their online form, I was then contacted via email ( XXXX ) and text ( XXXX ) by XXXX XXXX XXXX , who proceeded to send me photos and videos or the kitten I expressed interest in. Following lengthy conversations and video calls, a price was agreed on and Mr. XXXX asked that I send the money via Chase Quickpay. I had saved up about {$1000.00} to purchase or adopt a kitten so I agreed. Never having gone through this before, I did not suspect a thing. After the money was sent, Mr. XXXX stopped responding to me. I then started to do the research I should have done before giving him my money. I found that his website had been recently created on XX/XX/2020, the phone number was a XXXX number and the cat images and videos were taken from other websites. I immediately contacted Chase for assistance and was informed that their fraud department was closed until XX/XX/2020. I proceeded to file a claim with the FTC ( XXXX ), the XXXX XXXX XXXX Scam Dept., and IC3 as well as my local police department. I called Chase on XX/XX/2020 at XXXX and spoke with XXXX, who after hearing my story, transfered me to XXXX  ( XXXX? ), XXXX  submitted a claim for me, reassuring me that I would receive a credit for the transaction while it was investigated ( # XXXX ). I provided him with all of the details of the reports I have filed and asked him if I could send him the email and text communications which were not needed at the time. After the call ended I decided to call back to ask for more information. I spoke with XXXX who to took down my information and transfered me to XXXX, a manager of the fraud/scam department, she informed me that XXXX ( XXXX ) as wrong and I would not be receiving any sort of credit, my funds were virtually lost and would not be retrieved. I was then transfered to XXXX, her supervisor, who informed me of the same. Even though one of their representatives had assured me that a credit was possible while they investigated. I am currently unemployed and have been waiting to receive unemployment benefits since XXXX, this {$950.00} was lovingly saved for my XXXX yr old who wanted to own her very first pet. I have never been the victim of a scam and I thought that the bank I have been using for years would assist me. This was not the case. I am at loss and don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: FL

Complaint narrative:
XXXX / XXXX Bank Account was reported as missed payment XX/XX/2020. Which is incorrect. I paid for XXXX and XXXX on time for the {$41.00} that they told me to pay as I am out of work. I am paying as agreed.

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 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX / XXXX XXXX  Account was reported as missed payment XX/XX/2020. Which is incorrect. I paid for XXXX and XXXX on time for the {$41.00} that they told me to pay as I am out of work. I am paying as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: FL

Complaint narrative:
XXXX / XXXX XXXX  Account was reported as missed payment XX/XX/2020. Which is incorrect. I paid for XXXX and XXXX on time for the {$41.00} that they told me to pay as I am out of work. I am paying as agreed.

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