vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2020 I was scammed and robbed by Cash App. I called customer support using a phone number avilable on XXXX. The number was answered " Cash App '' and the person then began an eloborate scheme to rob me. At some point I was asked to supply another account number for a different bank account other than the cash app associated account. I refused and it seem to me that something was wrong. I went on the computer and my account looked unusual. I called the bank and my wife who unknown to me, was being scammed by another person at the same time. The bank told me to come in and file a dispute. I did and was denied after " an investigation ''. We went in again and we were told that we were complicit in the deceit and that the bank/credit union was not responsible. They further said that it was my fault because I gave the scammers the account number. When I indicated that when I call the bank I am requested to give my account number and I don't expect to be robbed. For me there was no difference. Ultimately, the bank/credit union refuses to return my money or cover my loss including associated fees totaling {$2300.00} XXXX hosts fraudulent and illegitimate phone numbers and ads. The credit union failed to protect me/my funds, my XXXX debit card. Cash App doesn't host a phone number for customer service and it is not obvious in their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
I filled out a complain explaining that XXXX XXXX is prohibited from showing my account paid at the three credit bureaus Equifax XXXX  and XXXX  but they have not taken it off as for deletion, I've already filled a complain to the CFPB to mandate them to stop showing XXXX XXXX account on my credit report as it should not be there because the account was placed on collections for the reason that I was not contacted to be informed that the account was goin to collections so I did not had a chance to pay it before It was transferred to collections and now its affecting me in my credit report even though I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
I filled out a complain explaining that XXXX XXXX is prohibited from showing my account paid at the three credit bureaus XXXX  Experian and XXXX  but they have not taken it off as for deletion, I've already filled a complain to the CFPB to mandate them to stop showing XXXX XXXX account on my credit report as it should not be there because the account was placed on collections for the reason that I was not contacted to be informed that the account was goin to collections so I did not had a chance to pay it before It was transferred to collections and now its affecting me in my credit report even though I paid it.

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 2020-11-13 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: TN

Complaint narrative:
Why is TransUnion knowingly reporting false information? 

TransUnion failed to adhere to the FCRA by reporting the wrong address on my credit report for US Department of Education # XXXX. I mailed a certified letter to the address they have listed on my report and it was " returned to sender ''. 

The data furnisher has not clearly and conspicuously provided an address in which to conduct a dispute of inaccurate information yet TransUnion continues to verify an undeliverable mailing address.

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 2020-11-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX/XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX This is a FCRA law violation. I was never late. 
XXXX XXXX XXXX {$41000.00} This is a FCRA law violation. I was never late. 
XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX/XXXX  XXXX XXXX {$1300.00} XXXX XXXX  XXXX This is a FCRA law violation. I was never late. 
XXXX XXXX XXXX {$41000.00} This is a FCRA law violation. I was never late. 
XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX and onXX/XX/2020 JEFFERSON CAPITAL SYSTEM add a derogatory mark on my credit report per XXXX  and XXXX. 
Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX and JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I contact the collection agency Lvnv funding LLC yesterday XX/XX/2020 stating that I dont owe or have any knowledge of anything on the account that was open with XXXX XXXX XXXX ( amount {$760.00} ) I need this account to be deleted Im not the owner of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The date started in XXXX to XXXX for the interest for the the month to month with the bank I called an the person on the phone said that they would give the interest but they were at the house because of COVID break from home they answered the call, should of been the monthly interest

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 2020-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I was under the impression that my lease was up in XX/XX/XXXX so turned in the Vehicle a XXXX XXXX XXXX XXXX XXXX .I was told that I could do this and everything would good, well that wasn't true. I was completely lied to. 
My lease wasn't up until XXXX of XXXX so now after XXXX told I could return the car and I would not have any charges now I'm bein charge {$22.00}, XXXX. How could they lie to me about this? I would have never return the car early if I knew they would charge me this much. I do not feel I should owe {$22000.00} after they said it was ok return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
On XX/XX/2020, XXXX/FORD MOTOR CREDIT add a hard inquiries on my credit report per XXXX. There was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 Citi Costco Visa received {$2300.00} directly from my bank, but failed to credit it to my account, crediting it instead to the wrong account. This was established in a 3-way call with Citi, myself, and XXXX XXXX. It took many calls and many hours on the phone to get Citi to finally credit my account for their mistake, which did not occur until XX/XX/2020. They refuse to correct their record to show they received my payment on XX/XX/2020. I have always paid off the entire balance of my card monthly until their error. Meanwhile I applied for a vehicle loan and Citi 's internal error negatively impacted my credit score. I'm concerned that elderly or frail people would not be able to navigate the phone tree to confront this kind of apparent fraud.

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One Bank is violating the The Equal Credit Opportunity Act ( ECOA ) by credit discrimination. I have applied for a Capital One Bank Secured credit card 4 times within in the last 2 months, and each time, I received a letter from Capital One Bank stating they couldnt verify my identity, even though, I mailed Capital One Bank identification documentation to verify my identity, but my application was still denied because Capital One Bank informed me they couldnt verify my identity. This is discrimination and a complete violation of The Equal Credit Opportunity Act under federal law. I applied for a Capital One Bank secured credit card on XX/XX/2020 and I am waiting on a response from Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Monday XX/XX/2020 I received a pop up from XXXX XXXX  .... ( that I could not get off my screen ) .... stating that my computer and my bank acct had been hacked. There was a 800 phone number on the screen, I called the number P. XXXX Fax.XXXX and a man claiming to be from chase fraud division name XXXX XXXX XXXX I foolishly followed his instructions. He said I was to set up a " alias acct '' so I could safely put my money into while the fraud was being investigated. He instructed me to go my bank and not to say anything to the bank officials since the could be part of the fraud! Once there I made an overseas wire transfer of XXXX XXXX XXXX dollars .... all I had in the bank. We were planning to move to a seniors development in delaware next year with the down payment money. I put in a claim with chase and they are not trying to help, He also transferred me to two men named XXXX and XXXX XXXX that claimed to be from the Federal Reserve Bank in DC I feel like a complete fool. Is there anything that can be done to get some if not all of my money back? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Robert J. Colclough, III
State: MI

Complaint narrative:
First it started with a phone call every few days. Now they call every other day numerous times. At first I told them this did not sound like it was my debt and I wanted them to send me proof. Instead I keep getting automated phone calls all day long. So I don't even answer my phone anymore. They finally sent me a debt collection notice for a credit card I never had. I even checked my credit reports and this debt has never showed up on my credit reports. This company is hounding me for a debt that is not mine and it needs to stop!

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America ran my credit twice for the same credit card. There are two inquiries listed on my XXXX  when there should only be one inquiry. The inquiry for XX/XX/2019 is an error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The following companies listed below refuses to remove these inquiries from my credit report.I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 

SYNCB/TJX DC, XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
For over 20 years I have had a month to month gym membership with XXXX XXXX located in Utah XXXX XXXX XXXX. In XXXX of 2020 XXXX XXXX XXXX sent out an email, they XXXX were closing permanently I cancelled my credit card payment and ordered a new on as I did not want my information out there in Bankruptcy litigation or to be purchased. 
I later received an email from XXXX XXXX saying they were handling all of the XXXX memberships and I was included in this. I had never signed any agreement with XXXX and the Billing company in Utah was XXXX XXXX in XXXX Utah was persistent in leaving me voicemails about a delinquent account I have with them which I have never had an account with them. The callback number they leave will have you on a holding pattern that will not answer, after several attempts to call back I finally looked up the corporate number and finally got in touch with a representative who said, I can not cancel this contract until I pay the delinquent amount, they insist that I do have and signed a binding contract with XXXX XXXX and XXXX XXXX the billing company. I told them I have never signed anything which I have never signed a contract with anyone except XXXX XXXX. I would not pay for something I did have a contract with and asked them to email me a copy of my contract with XXXX they said they would but never have. Now they have sent me to a collection Agency Aldous & Associates P.L.L.C also in XXXX Utah who have a business affiliation with XXXX XXXX and XXXX XXXX they own the franchise for XXXX. They also will not send me a copy of the contract they say I have with XXXX, tey insists I am delinquent in payments I have never agreed to and have no contract with them, they keep threatening me with court proceeding and they threaten me with filing this on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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:
In XXXX of 2020 I sent my first dispute letter to Experian to dispute two fraudulent accounts that are on my consumer credit report. After sending three more dispute letters in the months of XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian has yet to furnish copies of an original signed consumer credit card application with my signature. This is a violation of the Fair Credit Reporting Act which I have notified Experian that this company is in violation of Section 609 ( a ) ( 1 ) ( A ) states, '' the credit reporting agency is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a consumer 's credit report ''. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I am asking that the Consumer Financial Protection Bureau intervene on my behalf to have these two fraudulent accounts removed from my consumer credit report as soon as possible.

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 2020-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a call from a process server to see if i was home. I asked what it was about, he replied with a case number and a phone number. Number answered by XXXX XXXX, who told me I owed {$6000.00} plus because I hadnt replied to a letter I never received in XXXX. It was from XX/XX/XXXX! It may have been a real debt from my now deceased dog, but when I called Consumer affairs, they said statute of limitations had run out, and the debt was no longer valid. I also called the company in question, they said there were no outstanding accounts in my name! I called the Law firm several times after trying to try a straight answer, but there wasnt one, and at one point they told me to shut-up! 
If I hadnt have been savvy, ( and when they told me to shut-up it was a big clue ) I might have given them some kind of payment! What a great scam! My dog did have an injury that year, and Im not sure if that large bill ever got paid. Probably not. Easy prey! I consolidated 2 years ago, so I was fairly sure there was no other debt at that point, or the wouldnt have made that agreement with me. XXXX XXXX XXXX said ALL debt, so that was another reason I was Skeptical. 
The phone number fir XXXX XXXX is 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 2020-11-13 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: PA

Complaint narrative:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES.

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Sent disputes letters to credit bureaus about incorrect information and inquiries by mail and phone and they did not remove inaccurate information.

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