vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
First off, I have the XXXX transaction history file. I will attach the file below. 

Also, when I contacted my Financial Institution because I was scammed and a victim of wire transfer, Cash App closed the account and black listed all my accounts. I can't open a new account using my financial institution. 

On XX/XX/2020 a payment in the amount {$100.00} was sent to XXXX. 

OnXX/XX/2020a payment in the amount of {$200.00} was sent to XXXX XXXX. 

On XX/XX/2020 a payment in the amount {$500.00} was sent to ( XXXX Address ) to XXXX. 

On XXXX XXXX 2020 a payment in the amount {$500.00} was sent to ( XXXX Address ) to XXXX. 

I have copies of all the e-mails from Cash App. Most of the consist of " canned '' answers. I've never e-mailed the same person. I always receive a different person. When I asked that my complaint be forwarded to the Fraud Department, Cash App indicated they did that. Still nothing happened. They didn't even investigate the fraud. 

On XX/XX/2020a payment in the amount {$600.00} was sent to ( XXXX Address ) to XXXX. 

My financial institution was able to claw back XXXX of the {$500.00} transactions. Cash App blocked all the rest. 

Cash App will not provide the contact information, Name, Address, telephone number, e-mail or anything. Cash App says to contact the merchant through Cash App. Tried that and nothing happened. 

There was nothing received on my part. I'm betting all the above merchants are the same individual and that individual isn't even in the same location as my self.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 

XXXX XXXX XX/XX/XXXX {$90.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY 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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Subject Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX I did a refinance home loan to payoff the 1st mortgage on my XXXX XXXX property in XX/XX/2020. 

While in the process of obtaining the refinance loan, the mortgage on the property was transferred from XXXX XXXXXXXX XXXX to XXXX XXXX 

My lender expected my refinance to close in XX/XX/2020 but due to delays in obtaining the payoff on the existing 1st mortgage, closing on the new loan did not occur until XXXX. 

I was concerned about credit bureau reporting due to the transfer and timing of payoff on the existing mortgage, but understood that the service transfer would require the current mortgage holder to suspend credit bureau reporting under CFPB regulations. 

I recently applied for a new mortgage transaction which is how I learned about the 30-day late payment now being reported by XXXX XXXX. 

The XXXX XXXX  automated phone system is also incorrectly reporting me due for theXX/XX/2020payment which is also incorrect. 

Prior to the this reporting by XXXX XXXX, I have never had a late payment on any mortgage loan.

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, XXXX  and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

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 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I advised ARS Account Resolutions that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. One of the items is for {$58.00}! When calling the company today they advised they will not remove the debt and I need to pay it or charges will be filed against me. I want all 3 items removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.

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 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
While reviewing my PayPal account online I noticed I was charged a late fee, even after making my payment on the due date. I reached out to synchrony who then advised me that even though I have a due date of the XXXX of each month you have to pay your payment a couple days before your due date in order not to receive the late fee. The agent XXXX and supervisor XXXX both told me there is nothing they can do regarding the late fee. I asked when will this report to my credit and after not answering my direct question several time the supervisor told me that my balance will be reported on XX/XX/XXXX which it will affect my credit because the late fee is making my account go over the credit limit. This is not fair!!

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 2021-02-12 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: NC

Complaint narrative:
I was a cosigner on my mother 's car her last payment was made on XX/XX/XXXX her car was traded on XX/XX/XXXX the dealership that she traded her car and did not send the payment for the card that she traded in to XXXX XXXX XXXX until XX/XX/XXXX therefore my mother didn't make a payment for XXXX because her car had already been traded on my credit report they're stating that she missed her XXXX payment when she never had a car below I have put inside the documents the date she traded the car in the date that the check was sent

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 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I had an apartment in XXXX ga in XXXX. I had a XXXX in XX/XX/XXXX and was in a XXXX for several months. My family was taking care of my affairs while I was in a XXXX. My family had worked out a resolution to remove my personal belongings and settle the rest of lease. The lease was closed out in XX/XX/XXXX. My family kept. The paperwork and proof of resolution of lease. Sometime while I was in rehab the leasing company sent me to collections claiming no resolution was ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received a PPP loan as well as a XXXX loan for my business back here in XXXX and XX/XX/2020. The PPP loan was deposited into one business account while the XXXX was received into my other business account that I held at WellsFargo Bank. I didn't utilize my WellsFargo Bank because I operated my business mostly from my other business account thats held at another bank. I was advised with the PPP to place it separately from your normal account so you can better keep track of your expenses in order to qualify for forgiveness. My WellsFargo account was mainly used for employee payroll, business utilities, and other business related expenses such as but not limited to making renovations to ensure the safety of myself as well as my employees. In XX/XX/2020, I was attempting to use my debit card and it came back rejected stating that the bank that released the PPP loan has placed a soft hold on my account due to Fraud. I have reached out to XXXX XXXX  and haven't received any follow calls after numerous calls to the fraud department. I also have called customer service and visited WellsFargo Bank at XXXX in XXXX, TN several times and spoken with the bank rep that service my account by the name of XXXX and also have spoken with Fraud Investigator from WellsFargo Bank who wasn't clear of what the fraud was and stated he was closing his investigation. The reps from Wellsfargo was also unsure of any discrepancies. I also called XXXX who serviced the loan to get information and they was going to reach out to XXXX for more information. The rep emailed me stating he didn't have any information. So I have been going in a circle since XXXX with no information pertaining to why my account was flagged for fraud when in fact I have been in business for over 16 years and my account at WellsFargo was open way before the PPP or XXXX loans were presented. My accounts were just closed on XXXX and my funds haven't been released when these funds were supposed to be used for my business operational need in order to apply for forgiveness and my XXXX loan is a 30 year loan. I need to hear some information soon from someone. My SBA money was in another account that was separate from my PPP and it was also placed on hold.

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 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In 2015 me and my husband filed bankruptcy but we did not file against our home. But since then Wells Fargo has not been showing on my credit report that I have been making my payments every month. They are saying on my credit report that I filed against them but didn't. I have spoke to different people multiple times and always get told they would fix it. I even got a letter one time from Wells Fargo saying that while doing a audit they noticed that they weren't reporting my payments and would get it fixed and yet my mortgage is still not showing on my credit report. I have been in my home for 12 years and would like my credit report to show that. Thank you.

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 2021-02-12 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: AmeriCollect
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 XXXX has been fraudulent in their actions towards me. 
XXXX XXXX XXXX XXXX has been fraudulent in their actions towards me. My vehicle loan was through XXXX XXXX, my car was sold at auction and the Proceeds from the sale were used to pay off the remainder of the loan. A few months after I receive a letter saying I owe XXXX XXXX {$29000.00}. I called XXXX XXXX & they said they went ahead and placed Forced insurance on my loan. They said they added XXXX a year for 3 years, which is about how long I had the car. This is the most fraudulent thing I have ever seen. My car was garaged and I was traveling if there was ever a gap in my insurance & to destroy peoples LIVES by putting this on their credit. My credit has a XXXX derogatory remark because of this fraudulent behavior. How do you expect anyone to afford such an outrageous policy regardless of what kind of car it is. If XXXX XXXX does not remove this from my credit I will file suit. I will not stand by and allow this kind of behavior. How could you do this to people? How do you sleep at night, tacking on tens of thousands of dollars to people 's loans that trusted you for their financing. You are fraudulent & I will be sure to involve social media if needed. Do not send me a long response trying to explain why you did what you did, it is so fraudulent I'm sure a judge will see it that way as well. Please remove from my credit 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 2021-02-12 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was contacted by a fake DEA agent who told that my ID was stolen and I was being prosecuted for drug trafficking and money laundering and the only way to protect my money was by removing it from the credit card and purchasing XXXX gift cards so I could receive a money voucher after they have frozen my funds and changed my social security number. They made me stay on the phone the whole 4 hours because they told me if I hung up the court recordings would be irrelevant and I would be prosecuted. I lost XXXX $ by purchasing 24 cards for XXXX $ a piece. I called the DEA number after I got off the phone and was informed it was a scam. Quickly I cancelled my credit card but the gift cards were already used. I have filed reports with the DEA and the FBI along with XXXX and the local XXXX police department. My bank says once the payments go thru they will not dispute the charges. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent XXXX XXXX, & equifax documentation over 30 days ago and they have violated FCRA and not removed which is required if not resolved or no response within 30 days. Equifax told me all collection charge off and loans were deleted except for 3 trade lines and they lied and are still reporting it. They even provided me two confirmation of deletion numbers. They are still showing on my credit. The disputed items need to be deleted from my credit file, all accounts showing closed in collection or charge off status are fraud. I sent them ( XXXX ) 3 identity theft reports and FTC report. I sent my driver license, social security card and utility bill and all info requested to validate my identity. They are refusing to delete the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
Capital accounts claims they have a debt that belongs to me. I have asked repeatedly for written proof be sent to me with my original signature. They have refused to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) operated by LexisNexis is reporting incorrect information concerning my driving history. XXXX provided the XXXX Report reference number XXXX. 

XXXX is incorrectly reporting me as having been in two accidents in XXXX. I haven't been in any accidents in at least 20 years. This incorrect information is costing me approximately $ XXXX in insurance rates. 

I attempted to contact XXXX/LexisNexis at the telephone number provided by the insurance company and their web portal, and finally through another number. 

The web portal and automated voice number provide no option for disputing an incorrect report. The web portal only permits you to request a USPS letter that will allow you to THEN request a copy of your information. There is no option to initiate a dispute. 

I finally spoke to a representative using another number on XX/XX/XXXX. After taking my personal information she explained that she was unable to access my information or to initiate a dispute for me. My information is stored with a special group that she was not permitted to tell me the name of. She could not provide any contact information for the group or information as to why my information was not available. 

I have also sent email to XXXX/LexisNexis, but have not received even an automated response. While this has not been going on for a long time, I do not see any reason to think that the company even has a dispute resolution process that could result in my information being corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am applying for a loan and when SBA pulled my credit SBA stated my credit score with Experian was a XXXX However, I have an account with Experian and when I logged in and check my score its says a XXXX  credit score. Why is there such a different score when I and the SBA are pulling credit scores from the same source? It is not fair that I didn't get my loan because of Experian 's unfair practices. If they are showing a lower credit score by 100 points then I should be able to see it too! I have no late payments on my credit score but they provided a low score to SBA which is not right!!

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