vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
On XX/XX/2020, a friend ( XXXX XXXX ) asked if I would accept a transfer of {$100.00} from his friend ( XXXX XXXX ) then withdraw the funds using my CashApp card and give {$100.00} cash to XXXX. I saw no reason to object and completed the transaction as described. On XX/XX/2020 XXXX asked me to do the same, and so a second transaction for {$100.00} was completed. 

A week or more later, I was informed by CashApp that the sender had filed a dispute with his credit card issuer and that CashApp had issued a " refund '' to XXXX  with no authorization from me. What's more, because there were no funds in my CashApp account, CashApp helped itself to funds in my linked checking account with XXXX. All of this was done without my knowledge or authorization. Again, the sender disputed the transactions initiated from his account ( CashApp has refused any further information on the nature of the dispute ) and requested a refund, which CashApp issued with no due diligence, no inquiry, no notice, no permission. 

I now suspect a scam with my friend XXXX ( and arguably CashApp ) a willing participant. XXXX first feigned surprise and assured me he would sort it out immediately. He then assured me that a mistake had been made, that XXXX did not intend to dispute the transaction and that somehow in trying to correct his mistake, XXXX had accidentally disputed the second transaction. This sort of chaotic response is typical. Next, when I pressed for an update, I was cast as the wrongdoer and XXXX ( who ended up with the money! ) cast as the victim. Again, familiar patterns of behavior. It's XX/XX/XXXX and no one is working to recover my {$200.00}. XXXX initiated the scam. XXXX has the money but has no connection with CashApp and no longer returns my phone calls. CashApp accepts no responsibility. They are hostile, insisting that I should work this out with the sender. I have no way to contact the sender and CashApp refuses any further assistance, and offers veiled threats of account closure for troublemakers like me.

Clearly, I need to choose better friends but where was my miscalculation of risk? It seems my expectation that CashApp would take reasonable steps to protect my interests when handling my funds was ill-founded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I had applied for a job with a XXXX XXXX company, I was told I had to deposit a check for {$4600.00} and then withdraw {$4000.00} to send to the " regional manager ''. The check turned out to be fake and I had to pay my bank back the money even though it somehow cleared even though it was a fake check. Then the bank closed my account and told me it was not their problem and put the fraudulent activity on my credit history so now I'm not able to open a bank account anywhere else. Im sorry for what happen because I didn't do it on purpose and I paid back the money even though I feel like my bank could have done more for me but they didn't. Now I just want them to take off the fraudulent activity from my credit history because now I can't bank anywhere and I won't be able to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2021-01-05 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 — Investigation took more than 30 days
Company: EQUIFAX, 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, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I reached out to XXXX  to have a fraud alert removed from my credit file considering it has never worked to prevent credit inquiries and inaccuracies. Per the rep she verified my information and advised she had removed the fraud alert. I called on XX/XX/2021 to confirm the fraud alert had been removed from my credit file and was told it was still there and it was an active-duty alert. I asked her how is this possible when I have never served in the military. She could not explain and told me I needed to speak to another department to have it removed and they were closed for the day. I am so frustrated with the credit bureaus because they are adding things to my credit file that is inaccurate and invalid. I also noticed several invalid addresses, names, inquires and accounts on my report and I have disputed them several times before and they remain on my credit file.

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 2021-01-05 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: GA

Complaint narrative:
On XX/XX/2021 I reached out to XXXX  to have a fraud alert removed from my credit file considering it has never worked to prevent credit inquiries and inaccuracies. Per the rep she verified my information and advised she had removed the fraud alert. I called on XX/XX/2021 to confirm the fraud alert had been removed from my credit file and was told it was still there and it was an active-duty alert. I asked her how is this possible when I have never served in the military. She could not explain and told me I needed to speak to another department to have it removed and they were closed for the day. I am so frustrated with the credit bureaus because they are adding things to my credit file that is inaccurate and invalid. I also noticed several invalid addresses, names, inquires and accounts on my report and I have disputed them several times before and they remain on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results. I was also effected in the Equifax credit breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint serves as follow-up to the refund of my closed savings account balance in the amount of {$5000.00}. The savings account was closed by Chase on XX/XX/2020. While the account was open, I deposited three personal checks on the Chase mobile application to fund my savings account. 
The XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, confirmed that three of my personal checks posted in my checking account and were paid in full to Chase for the savings account, prior to its closure on XX/XX/2020 for check # XXXX for {$2000.00} and check # XXXX for {$2000.00} and on XX/XX/2020 for check # XXXX for {$1000.00}. XXXX advised me on XX/XX/2020 to check-in with Chase immediately for a refund since the funds were already deposited. 
On XX/XX/2020, I was informed by customer service that a cashiers check would be mailed for the full balance of {$5000.00} within 7-10 days from the date of closure to my home address. The 7-10 day window has passed and I have not received a refund of my savings account balance for {$5000.00}. I request that CFPB assist with the recovery of my funds from my closed savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capitol One is constantly sending a debt to my credit report from decades ago for XXXX plus dollars about a credit card debt they say I had but never had. It results on my report update XXXX XXXX. I never had a Capitol One Card in my entire life only Visa.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: VA

Complaint narrative:
Before I received the card I called customer service to get an estimate on when I would receive the card in the mail, I verified all my information correctly and was told subsequently that my account was locked due to the phone number not being registered under my name. I told them at the time I signed up for unemployment I couldnt afford to pay my phone bill and used my roommate number as it was the best way to reach me at the time. They told me that my account would be closed until I provided a valid ID. I dont have an ID as I was evicted and moved to a motel and around during the hardship and had my wallet stolen with all my things at such motel. DMV is backed up for the next 5 months in my area and I barely have money to eat let alone pay for any fees. I was counting on my unemployment to get out of this hole but now way2go is punishing me for not having a phone under my name. I can see if I gave the wrong information but I didnt. I really dont know what to do do at this point and hope this agency can help me access my funds as it is my last chance. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a certified letter for verification and inaccurate info on my credit report for account # XXXX XX/XX/XXXX To Experian Credit Bureau on XX/XX/2020. Experian received the certified letter on XX/XX/2020. 60 days past by and I never received a response back from them until XX/XX/2020 with no verification or info accuracy. The response time for investigation is 30days even with the extra days for covid this still was a violation of section 611 ( a ). Failure to investigate in 30days is an immediate removal from credit report. I demand that acct XXXXXX/XX/XXXX be removed from my credit report. This was a violation of my rights! I have uploaded receipt and letters to validate my complaint.Thanks

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had applied for a job with a XXXX XXXX company, I was told I had to deposit a check for {$4600.00} and then withdraw {$4000.00} to send to the " regional manager ''. The check turned out to be fake and I had to pay my bank back the money even though it somehow cleared even though it was a fake check. Then the bank closed my account and told me it was not their problem and put the fraudulent activity on my credit history so now I'm not able to open a bank account anywhere else. Im sorry for what happen because I didn't do it on purpose and I paid back the money even though I feel like my bank could have done more for me but they didn't. Now I just want them to take off the fraudulent activity from my credit history because now I can't bank anywhere and I won't be able to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank Amazon.com card. ( hereinafter SB ) This account was closed in XXXX of XXXX due to fraudulent charges being made on the card. I contested the charges ; the account reflected credit balance of {$89.00} on the XX/XX/XXXX statement, SB sent me a refund check of {$89.00}. I considered the matter closed. I did not use the account again. 
On or about XX/XX/XXXX, I received SB 's closing statement, reflecting a balance of {$46.00}, with very similar charges to the prior fraudulent charges.I ignored this statement, assuming that it was in error. 
On or about XX/XX/XXXX, I received another statement from SB, now reflecting a {$73.00} balance, including late fees. 
On XX/XX/XXXX, I wrote SB, and stated that they were in error, the account had been closed, I had not used the account, and that they had unilaterally re-opened the account without my consent. I advised SB to permanently and irrevocably close the account. 
On or about XX/XX/XXXX, I received correspondence that SB was " looking into your account, and that it may take one or two billing cycles to respond to me ''. 
On or about XX/XX/XXXX, my FICO score dropped over 100 points, from approx. XXXX to XXXX, due to adverse credit reporting by SB. 
On XX/XX/XXXX, I wrote SB, summarized the aforementioned events, and advised them that their actions had now caused me actual and significant damages. I am attempting to purchase a real property, their actions have negatively affected this transaction.

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Never received eip card or economic impact payment after they told me it 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 explanation
Consumer complaint received 2021-01-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reported this problem back in XXXX over 60 days to XX/XX/XXXX and Experian and still have not received a response back yet. The problem I am having is on my XX/XX/XXXX and Experian credit report there are late payments listed on my XXXX XXXX account from XX/XX/2019. On my XX/XX/XXXX report for my XXXX XXXX account for XX/XX/2019 the payment status is marked current. The information does not match on my 3 credit reports which they must match to maintain accuracy, XX/XX/XXXX is the correct account that shows accurate information. I would like to update XX/XX/XXXX and Experian to match my XX/XX/XXXX payment history from XX/XX/2019 on my XXXX XXXX account. I attached a copy of my credit report with the incorrect information highlighted as well as the correct information highlighted. According to section 609 of the Fair Credit Reporting Act it is a federal law that credit reporting agencies report accurate information that matches with each bureau. It is also that law to respond back within 30 days. Both of these laws were broken so I demand that you fix the payment information from XX/XX/2019 on my XXXX XXXX account to current to match XX/XX/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 2021-01-05 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:
I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXXNow I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX 
Please govern yourself accordingly.

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 2021-01-05 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 — Investigation took more than 30 days
Company: Fay Servicing, LLC
State: DE

Complaint narrative:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: MD

Complaint narrative:
I lost my job in XXXX & lost my House on foreclosure. I was not in US & gave the Power of Attorney to my Sister. Due to miscommunication I lost my House. My House was sold for {$420000.00} in XXXX & pay off amount was less than {$410000.00} in XXXX. I contacted Plaza Mortgage more than 10 times to get my excess balance & send few emails too. So far no respond from plaza Mortgage, about my refunds & they don't give me any Information about my refund, also not paid my balance amount since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For one I have already sent this complaint but the credit bureaus assumed that it was a third party who sent it. It is not. I am XXXX XXXX. No one is speaking on my behalf and there is no 3rd party. The credit bureau is using this as a stall tactic to not complete my investigation. Here we are again well over 30 days and they still have not removed the fraudulent accounts from my credit report or completed an investigation. To my knowledge and 611 ( a ) they only have 30 days. If it takes longer than 30 days they must delete the accounts from my credit reports. I have researched the laws. I am at the point of going to litigation because this is becoming super stressful for me. I am also a victim of the XXXX  data breach and my information couldve gotten in the hands of anybody.

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 2021-01-05 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:
I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX, XXXX XXXX XXXX XXXX Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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