vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I contacted Cash App at the following number! XXXX. All communication was done via text. I was just trying to send my girlfriend XXXX for a plane ticket to fly from XXXX, Ohio to XXXX XXXX, TX. My Banks XXXX and XXXX lookup the action of this cell phone application as a scam and or fraud and blocks all attempt to withdraw funds from any account. I have attached the entire text of our deals to this compliant in PDF form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: GA

Complaint narrative:
To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I used my cashapp card at an ATM one morning trying to take out {$200.00}. My card was declined and the money was still taken from my account. I tried again to take out {$200.00} and it declined me again but STILL took the money from my account. I contacted cashapp, then waited XXXX business days and then contacted cashapp again to dispute the transaction. They responded only one time saying they would file a claim for this transaction and then days later they closed my cashapp account and stopped responding to all of my emails. In their Terms of service it says they will return the money filed in your claim until it is resolved. I emailed them again and a week later they refunded me {$200.00} and said they are unable to help me with the remaining {$200.00} and I have been emailing them everyday since and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX are fraudulent on credit account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   is fraudulent on my credit Account # 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 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
On XX/XX/2020 someone without my authorization ran my credit to obtain an auto loan and I tried calling XXXX to fix this and they would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TX

Complaint narrative:
I have 2 hard inquiries I have already disputed more than once with XXXX  in writing for Syncb/PayPal that I never authorized on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly to Syncb/PayPal and asked for evidence otherwise to submit request to delete to the bureaus immediately. I have this same inquiry for XXXX  on XX/XX/XXXX and have also disputed more than once directly to them. 

I have XXXX  hard inquiries reporting to XXXX  that I also never authorized from XXXX on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly more than once and with XXXX and yet they have not provided evidence because they dont have any and they have not removed the inquiries from my report which is hurting my credit rating. 

This has been a lengthy process of disputing and waiting for responses that has ridiculously taken about 6 months! I know I have a right to either see proof of credit extension or the inquiries must be removed. I also have a Identitytheft.gov formal submission including these inquiries. FTC Report 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 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
On XX/XX/2020 someone without my authorization ran my credit to obtain an auto loan and I tried calling XXXX  to fix this and they would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TX

Complaint narrative:
Transunion RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and company 's below ran an unauthorized credit inquiry on me. 

XXXX XXXX from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX   Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, 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 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Back in XXXX of XX/XX/2019 there were 5 cases opened on my PayPal and there was a negative balance placed on my account. The party that has been trying to get this resolved ( XXXX PayPal account ) contacted XX/XX/XXXXand PayPal to see why the charges were returned. XXXX XX/XX/XXXXstated that the account was flagged in fraud and PayPal reversed the charges causing the negative balance. XXXX XXXX ( XXXX ) stated the account should have never been flagged for fraud because the charges were valid, the only thing that should have been flagged for fraud were the security charges for the credit card she never signed up for. XXXX XX/XX/XXXXrefused to put the charges back on the account and to contact PayPal to have the negative charges removed. PayPal refuses to remove the charges as well. I have proof that the other party has sent in complaints to get this fixed. This balance is not mine and I do not claim it. I want this removed from my account before a harassment suite is filed, attached are the different phone numbers PayPal contacts from and the proof that the charges should have been removed in XXXX because I have buyers protection. My PayPal account ( XXXX ) does not owe this balance and I am not responsible for these charges. I want the harassing calls and emails to cease. Trying to collect on a balance that is not owed by the party is illegal. PayPal has breached the law, and a harassment suite will be filed if these charges are not removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Not sure if anything before this is right. I got a XXXX  preferred card from citi with an offer to transfer an interest loan to a no interest card for 20 months i knew doing this would lower my credit scores but it would bounce back in a couple months. That is when things went wrong I did the transfer in XX/XX/2020 and in XX/XX/XXXX they seen my score dropped so they lowered my limits on my double cash card from XXXX to XXXX causing that card to be maxed out then in XXXX they lowered my XXXX card from XXXX to XXXX so that was maxed out as well driven my score way down i have no missed or late payments on any of my accounts and did this transfer to free up more funds to pay them down faster now I pay more than what they ask almost 3 times the amount to make sure it's paid before the twenty months is up i have called them 3 to 4 times this month and can not get them to stop lowering my limits or to put my limits back to where they were. by them lower my limits I have lost about 40 points on my credit score.

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 2020-09-14 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: GA

Complaint narrative:
XXXX  and TransUnion are fraudulent on credit account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and company 's below ran an unauthorized credit inquiry on me. 

XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Credit Unions XXXX XXXX XXXX from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX  Auto Financing XXXX  XXXX Inquiry from XXXX  XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX  Auto Financing XXXX XXXX  Inquiry from XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX  Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Personal Loans XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: SC

Complaint narrative:
Experian automated attendant starts the identity identification process and after answering the questions disconnects the call. 

There appears to be no other way to contact Experian to temporarily remove a credit freeze.

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 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
On XX/XX/2020 someone without my authorization ran my credit to obtain an auto loan and I tried calling XXXX  to fix this and they would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: NJ

Complaint narrative:
on XX/XX/XXXX, I started a Identity theft claim and all fraudulent activities were removed. aout 6 months later a creditor put the debt back on my credit profile. I called the creditor on XX/XX/XXXX and immediately disputed it. I spoke to XXXX XXXX Collections Specialist at XXXX XXXX and was advised to send Identity theft report to her and I did on XX/XX/XXXX. They Acknowledge receiving it on XX/XX/XXXX and It is now XX/XX/XXXX and I haven't received a resolution. I told Ms. XXXX that XXXX XXXX XXXX were involved in Fraudulent Activities and they should look with-in XXXX. I contacted Experian Credit Bureau Fraud Department and was advised to send them the Identity theft paperwork and I did. No one in XXXX will contact me, Experian Credit Bureau will not remove this fraudulent item from my credit report that is derogatory {$83000.00} charge off. XXXX is billing someone else name under my social security number and I have sent all the information that is reequired. My latest call was to Experian Customer service Fraud department. Spoke to XXXX and said there is nothing she can do. just keep disputing it. That doesn't help. Its currently negatively affecting my credit. As I have mentioned to Experian Several times.

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 2020-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and company 's below ran an unauthorized credit inquiry on me. 

XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there  should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, 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 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: IL

Complaint narrative:
While attempting to purchase lunch on XX/XX/2020, my card was declined several times. After making a call to my bank, I was told that my identity needed to be verified. No prior contact by phone or mail was done about this matter. I have been with them for over a year with no issues. I was told by a supervisor that I needed to submit my ID and current bill, which was done immediately, and that the hold on my account would be lifted in 1-2 business days. Now as of today XX/XX/2020 I am being told that it will take up to 10 business days. I have no money because this is my only account, how can I continue to survive like this? Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

This company keeps telling me to re-apply but i keep getting denied for various reasons. 

I am ready to go to the state attorney and file discrimination charges, This bank tells you top apply then denies you for various reasons. 

Enclosed various denials from the same company So which one is it? 

1. No history of credit ( lol ) 2. Too much credit 3. You can't verify me 4. I closed accounts with you 5. You closed accounts on me 6. You can't verify my identifications even though it has been sent to you several times So tell me which XXXX excuse is 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 2020-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
I was approved for forbearance on my mortgage account related to COVID 19 financial difficulties. My payments were reinstated as of XX/XX/2020. I made the XXXX payment on XX/XX/2020 however my servicer has not credited that payment to my account. I have messaged DMI servicing twice now through its secure message center asking for my payment to be credited but I have not received a response. When I review my account, my payment still shows due for XX/XX/2020. I realize I need to reinstate my loan however I have not received any formal communication from DMI as  to my reinstatement options. Obviously I do not have the ability to pay the 3 months of deferred payments in one lump sum otherwise I wouldn't have applied for forbearance but I also do not know what my options are. I do not want to talk to DMI by phone. I would like any communication to be mailed so I have a record of what my options are. 

In addition to this matter, DMI is preventing me from using its online payment system for making payments to my account and will not accept personal checks via mail or at a bank branch office. The only options I have for making payments is XXXX XXXX which causes me to incur substantial additional costs ( {$89.00} ) or certified check which again is an additional cost and a significant inconvenience as I am forced to go to bank branch and deal with an in-person interaction in the face of COVID 19. Neither of these options are ideal so I ask DMI to please reinstate my ability to make online payments to my mortgage account.

Company response to consumer: Closed with explanation