vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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:
CASH APP is the problem! 

My niece stole from me. She used my phone, had access to everything in my apartment while I was working. She tried to cash app herself some money as if I wouldn't notice! 
She ended up sending money to a cashapp she no longer used and then tried fixing it. 

I receive notification from XXXX when money is debited from my account and I check my account daily. Cash APP had {$100.00} of my money. 
I checked cash app and being that my niece was in my apartment it was her cash app, I had the theft near me. 
After confronting her she gave unacceptable excuses and then said, tried to fix the problem by contacting Cashapp since she sent money to the wrong cashapp. 
So basically, she tried to fix the problem to steal and have it directed to her open account. 
I then contacted cash app to let it be known the transaction was fraudulent. 

Yes she had access to my purse and phone. 
I made that clear. 
It was still fraudulent. 

On XX/XX/2023, Cash app sent me a message stating the transaction was CANCELED and the refund will show up in XXXX business days. 
It will be Credited or Voided and fall off. 

I sent that message to XXXX XXXX XXXX XXXX. 
On XX/XX/2023, I had to file a dispute against Cash App for not honoring their statement. 

The transaction posted. 

I am now waiting for assistance from the XXXX XXXX of my credit union since Cash App has now stolen my money. 

It was XXXX stolen by my niece, I was told it was canceled and now since it's posted, Cash App is trying to keep my money anyway. 

I have changed my Debit card, XXXX is now assisting me and Cash App is no help at all. You would think they would honor what they said. 
This has made me place a review on XXXX XXXX since they can't be trusted. 

I feel like my money has been stolen twice! 

You would think that it is XXXX XXXX dollars. 

I can't understand why anyone especially Cash App would run off with {$100.00} of my money! 
I am offended and shocked that they not only stated they canceled the transaction but they also stated how I will receive it back. 

And now they are stating no cancellations. 

My money was stolen and I just want it back, that's all! 

I plan to fight this even in small claims court since it looks like I will have to go there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
ACIMA DIGITAL has an account reporting to my credit report that has been proven to be fraud. 

I called them and spoke to a representative on XX/XX/XXXX regarding an account that has recently been added to my credit report. I have disputed this account through the 3 credit bureaus and the company stated they were able to verify this debt as mine. 

Upon speaking to an ACIMA representative, they had an incorrect email and home address where I have never lived. This account is a FRAUD. I was advised to email my police report for identity fraud. 

On XX/XX/XXXX, I went to he police station and filed a police report and emailed the copy as advised and asked ACIMA to please remove this item from my credit report immediately. 

On XX/XX/XXXX Acima responded via email and stated that I sent them a police report that was " unredacted '' as if they insinuating that I made changes to the official document. They received the official document tat i received from the police department and are not removing this fraud account which is hindering me from moving forward with my financial goals. Please assist in getting this company to remove this debt! I don't know what else I can do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have ask many times for written proof they had my contest with my signature giving them permission to add this to my credit. 


XXXX XXXX XXXX XXXX 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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have ask many times for written proof they had my contest with my signature giving them permission to add this to my credit. 


XXXX XXXX XXXX XXXX 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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2023, I received a notification that my account was closed. I never received a notice from the bank stating why it was closed. I contacted the bank on the same day to find out why my account was closed, and the representative stated my account was closed due to suspicious activity which is completely inaccurate. I've never made any suspicious transactions on my account. My account had over XXXX at the time of closure. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: WI

Complaint narrative:
Equifax had a XXXX XXXX a few years Back. My credit went from building up my score with a XXXX XXXX builder account. To boom a bunch of XXXX credit cards taken out in my name. I dispute the inaccurate information on my reports.everything was going good until Equifax got hacked and a bunch of us got hacke d and now my credit is back to XXXX seriously. 
Equifax needs to fix all of this instead of just giving me XXXX on a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CA

Complaint narrative:
Disputed information on my report, and nothing was done iam a victim of identity theft I have police report to prove it aswell

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 2023-01-27 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: CA

Complaint narrative:
Disputed information on my report, and nothing was done iam a victim of identity theft I have police report to prove it aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase offers a system called " My Chase Plan '' where consumers are able to generate a payment plan for anything over {$100.00}. They also clearly state that plans can be paid off early, wiping the monthly fee. 

I spent XXXX on a XXXX when moving across country, and decided to use the Chase Plan option. I elected for an 18 month plan with 0 % APR but a monthly fee of {$22.00} with the awareness that I could pay this off early.

I then added a few other, smaller plans.

It has since been 9 months and I now have 9 active plans with the XXXX fee being the highest monthly fee. 

I called in requesting to pay the XXXX plan so that I could clear the monthly fee, but they shared that it isn't possible to select which plan is paid. 

I called in a second time and spoke wit ha 4th person, XXXX the account Supervisor in XXXX, MI with Chase Credit Card Services and she told me that the following rules apply : After the Interest Saving Balance is paid in full, any amount paid above that balance will go to : 1. The Highest APR payment ( doesn't apply because the MY CHASE PLANs are interest free, but instead use monthly fees ) Then the payments will be applied in this order of rules : - The remaining number of payments from lowest to highest ( # of months ) - The plan from earliest created to newest ( only after the first criteria is met ) This means that if I were to pay the same amount as the remaining balance on the XXXX plan, it would not be paid and I would still have the monthly fee of {$22.00} tied to it. However, it would end up closing out the payments with the smallest balance and the least amount due which are not my concern. 

When I asked for a copy of this documentation, she relayed that it was on their employee site and could not be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: FL

Complaint narrative:
From XX/XX/2022 until now I've gotten emails from Experian saying they were'nt going to investigate or that my information was updated as verified. How can it be updated as verified if there was never an investigation?

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 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In XXXX of XXXX, I mailed a debt validation and cease and desist letter to Midland Credit Management ( MCM ). They received it on XXXX XXXX. I then received a collection letter dated in XXXX XXXX. Then starting receiving collection e-mail 's XXXX XXXX XXXX then XXXX XXXX, XX/XX/XXXX and finally XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 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:
I have been working with all three credit reporting companies, and the items sent to collections are still on my credit report. The collection companies are not the original creditor, so by law, FCRA must be removed all my credits reports

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 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is reporting a collection account on my reports that I am not familiar with. I have reached out to them via mail requesting sufficient documentation stating how they figure this account and debt belongs to me. Here is the tracking, XXXX XXXX XXXX XXXX XXXX. In receipt of this validation request they only sent an itemized statement of the account. A statement is not validation of debt further proving that they do not have valid proof to support their claim. I am requesting that this account is deleted from my credit reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I HAVE SPOKEN TO THE REPRESENTATIVES AT ATLAS CREDIT IN REGUARDS TO THE CONTANT CALLS. I CAN NOT ANSWER MY PERSONAL PHONE AT WORK. NOW THEEY ARE BUGGIN MY REFERENCES. BY THE TIME I GET OUT OF WORK I CAN NOT GET ANYONE THERE ON THE PHONE I LEAVE TOO LATE. PHONE NUMBER IS TO ATLAS CREDIT IN XXXX XXXX XXXX XXXX IM RUNNING BEHIND ON MY PAYMENT AND I AM VERY WELL AWARE BUT MY NEXT PAYMENT I CAN NOT SUBMIT TIL THE 15TH. THIS IS BECOMING HARRASSMENT AT THIS POINT PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i am the ongoing victim of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, bank fraud these companies were listed on my transunion credit report ( i have never heard of these, never applied, or gave my ssn, or recieved, they are all fraudulent ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX says there is a credit freeze my ssn is XXXX, i have tried to unfreeze it, it wont work, i can not access money or employment to survive

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 2023-01-27 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: CT

Complaint narrative:
Greetings, Writing in regards of dispute that has not been resolved. My daughter purchased tickets for me by accident for the concert for XXXX XXXX I called the company XXXX and explained the situation, but was told that they cant help me and wont refund the money. Hence, I proceeded with dispute with my credit card company. My request was, also, denied.I was told that they cant help me and that I need to pay the charge. 
I never rendered the services and my daughter purchased this by a mistake/ fluke. I was under impression that credit card companies protect their clients in cases like mine. I dont feel I should be paying for something that I didnt use. 

My fear is that this will be proceeded to collection agency. I always pay my bills on time and dont have any debt, hence, dont want my credit be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NY

Complaint narrative:
I have been a victim of identity theft and fraudulent account openings since 2014 no matter what try to do it keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In 2011 I had an auto loan with Wells Fargo on a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was emotionally incapacitated and could not handle routine things. I did not pay my car payment on time. They would call me over and over and over again every day using multiple different numbers. I could not handle it. I finally answered the phone and tried to make a payment once it became 30 days past due. I explained the situation the the woman on the phone. She told me that it was too late to make a payment. I had to pay the entire balance or they were going to repossess my car. The balance was $ XXXX - $ XXXX. Three days before XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, they repossessed my car then sold it at auction a week later for $ XXXX less than I owed on it. They then came after me for the {$5000.00}. I ended up settling with them and had to pay them {$3500.00}. I literally wrote their Board of Directors a letter and detailed this outrageous thing that happened. They sent me a letter in return that actually said, That never happened. That would be bad business. But it DID in fact happen. I was so outraged that I went to an attorney in XXXX XXXX XXXX and talked about suing them. The attorney discouraged me and said it would be like XXXX against XXXX. I was broke, both financially and emotionally. I let it go. Ive been through so much and they compounded it exponentially with their shady and illegal business practices. 
I also just found an email verifying that the account representative I spoke to literally lied to me about a letter that Wells Fargo mailed me. I will attach that email. Its been so long and my life was in chaos. I dont know if I have any of the other letters or documents. I moved 10 times since that time and my mental health spiraled as a result of my XXXX XXXX and the financial strains.

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 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit is reporting a collection account on my reports. I have contacted them regarding this account as I am not familiar with this account but they have not responded to my dispute. Here is the tracking to prove they have received my request of validation XXXX XXXX XXXX XXXX XXXX via USPS. They have not responded or tried to contact me back in any way and this is a violation of my rights as a consumer to dispute this inaccurate account. This account should be deleted from my reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 the amount of the account by CCS COLLECTIONS is {$77.00} and I learned about this account through my credit report I contacted CCS COLLECTIONS on XX/XX/2023 and I was told to file a FTC complaint and fax in so I will fax in Today XX/XX/2023 by XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: AK

Complaint narrative:
I have allegedly have many accounts with Medical Data System. The accounts in collections with this creditor are all XXXX XXXX. I have been working with a debt consolidation program and have been attempting to get access to the correct documentation in order to add the accounts with Medical Data System. Due to me having relocated to Alaska for work I have been told that Medical Data System " does not bill to Alaska '' but " will not remove the items '' from my credit report. The company is refusing to mail me any documentation verifying the accounts listed with them due to me living in Alaska. I am working with a close family friend that is a lawyer who drafted a debt validation letter to be sent over to Medical Data System. I have called to Medical Data System three times and have been denied being given my account numbers. I have been told " I don't need them '' and " It will take like 20 minutes to list all of these. '' I have not received any call backs as requested but the items are being added to my credit report or Medical Data System is refusing to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been working with all three credit reporting companies, and the items sent to collections are still on my credit report. The collection companies are not the original creditor, so by law, FCRA must be removed all my credits reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been working with all XXXX  credit reporting companies, and the items sent to collections are still on my credit report. The collection companies are not the original creditor, so by law, FCRA must be removed all my credits reports

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 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
A payoff was requested of XXXXPHH Mortgage. They requested a copy of the appraisal in order to issue the payoff. Their repeated requests are unreasonable and not legal according to my new lender XXXX XXXX Bank. I have a loan approval that has expired due to the continued incompetence of all involved at both the payoff department and XXXX department at PHH mortgage. Contact information XXXX, XXXX, XXXX. They are illegally requesting the appraiser falsify the appraisal report to show the home is a three bedroom, where it is currently showing as a two bedroom simply because of hallway access to a bathroom. An addendum is attached to the appraisal explaining the two versus three bedroom discrepancy.

Company response to consumer: Closed with explanation