vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I sent money using cash app to a PHONE NUMBER XXXX cash app sent it to some random $ cashtag they decided on ' XXXX  XXXX '. however, i was sitting next to the intended recipient and he logged into cash app using his PHONE NUMBER and the app decided to log him in as XXXX XXXX or something else. the {$5.00} I sent is lost and cashapp support has decided to : 1. ignore my original request and ask for the same information 3 times. 
2. ignore the details i had already provided in my original problem email as stated above.

3. decline to help me with the original issue and just state that the {$5.00} wen to XXXX XXXX successfully. 

i know it went to a scam account successfully. that was the original problem. cash app will now keep those {$5.00} and neither I nor the recipient have access to it. 

They allow you to send money to a phone number. they allow you to login with your phone number. but they will also create fake cash tags to hold the money and make it be lost to the consumer so they can keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I pulled my credit report from Transunion and it shows and different balance amount and ask I looked forward the dates were also changed about the last payment. The account listed on my credit reports are showing a payment was made and they are re-age the account and I want this account removed/deleted from all credit bureaus account immediately. XXXX XXXX XXXX XXXX XXXX Acct # 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 2020-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I had an old account with XXXX which was paid off through their collections department. I am now getting calls from Southwest credit saying they are a debt collector on behalf of XXXX. I have told them repeatedly I have paid this off with XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX - showing late 7 times - i was late twice due to loan mod target - fraud charges - won class action - wont take it off XXXX XXXX - wont up date as paying only owe XXXX XXXX shows not paid - i paid in full

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 2020-11-29 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: NY

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 INVESTAGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK

Complaint narrative:
I had a Credit card from Discover in XXXX, but I lost the card in the year of XXXX. So I called Discover to close my account. I have paid all my balances at that time. However, I kept receiving emails from them, saying that I have payment due ( ~ {$63.00} ) to them. 
Finally in XXXX, when I returned US, I called them back, ask them why I still got emails from you and have payment due even though I have already closed account many years ago. They explained that it was because it was the cash reward associated with my card, it is the money they owed to me. So they asked my address to send the check to me. However, the check was never reached to me. Then the worst thing the Discover did was to charge the check they sent to me on my closed account. Because they send it twice, so they acclaim that I own them ~ {$130.00}. 
Ever since, they kept sending me emails saying that I own them XXXX usd, and the amount is kept growing. I called them many times from XXXX, as I left US in the summer of XXXX. With hours of long international calls, they finally admit that it was their mistake in the system, they should not have charged me for that. However, even now I still need to receive the same email for the payment due acclaim but with different amount, this time is {$84.00} ... I have no idea how did they make such random numbers and why they could not respect their customer and give them some peace even though they have closed the account many years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29 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: MD

Complaint narrative:
I recently obtained a copy of my credit report and notice accounts i dint not authorize. TThe following companies have violated my rights acording to 15 usc 1692. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX inquire XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This complaint is against paypal credit and PayPal Mastercard. I explained i was affected by covid. The said I used my 3 months of help. Unfortunately it is still going on. They call 20x a day texts messages and call from different numbers. I told them I can not pay they said they are reporting it to credit bureaus and I asked for them to stop calling and after my mortgage is paid and my XXXX year old eats I will pay something if I can. They continue to call

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 2020-11-29 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2020-11-29 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: PA

Complaint narrative:
Re : my address is XXXX XXXX XXXX XXXX XX/XX/XXXX lst 4 off ssn XXXX never traveled to the state of XX/XX/XXXX before. 
Inaccurate false items stopping me from employment please remove update COLLECTIONS Profit Services Grou Opened XX/XX/ - {$770.00} Original creditor : XX/XX/XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. Balance {$770.00} Highest Balance {$770.00} Opened XX/XX/ ( 1 yr, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original Creditor Name XX/XX/XXXXXXXX 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 2020-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
XX/XX/2020 To Whom It May Concern : which you claim I owe {$920.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XX/XX/XXXX and XX/XX/XXXX) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: MD

Complaint narrative:
I recently obtained a copy of my credit report and notice accounts i dint not authorize. TThe following companies have violated my rights acording to 15 usc 1692. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX XX/XX/XXXX XXXX inquire 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 2020-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This complaint is against paypal credit I explained i was affected by covid. The said I used my 3 months of help. Unfortunately it is still going on. They call 20x a day texts messages and call from different numbers. I told them I can not pay they said they are reporting it to credit bureaus and I asked for them to stop calling and after my mortgage is paid and my XXXX year old eats I will pay something if I can. They continue to call

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 2020-11-29 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Its more more than 30 days into the investigational and I still haven't gotten a response regarding debt validation. I sent a debt verification letter to lvnv funding for 2 accounts for XXXX and XXXX dollars. I sent disputes letter to lvnv and the 3 bureas over 30 days ago and still haven't gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's account is identity theft. I have sent FTC reports to XXXX, they still will not remove the MACYS/DSNB account. XXXX  is playing dirty games ....

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 2020-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery placed an account on my credit. They never validated the account- its not mine!! My name is XXXX XXXX XXXX. I also have an uncle that shares my name. I had an account on my credit from Portfolio Recovery on my credit- it's not mine. I have reached out to them a few times about the debt and they have yet to respond to me. Its been 6 months. The account appear to be from XXXX XXXX. I never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED BANKSHARES, INC.
State: DC

Complaint narrative:
My loan officer was XXXX XXXX with George Mason mortgage. I was promised a deal on closing that I would get {$10000.00} from the developer and 1 % off the loan origination, which would be split between the developer and loan officer. The developer paid the full 0.5 % of the Lon origination, but XXXXGeorge Mason did not. XXXX pushed prepaying mortgage insurance and buying down the rate. We ended up buying down the rate, but that cost coupled with all closing costs did not cost more than the 0.5 % George Mason was required to pay. He only gave me the feed cost off, which was {$1200.00}, but he owed {$3500.00}. He claimed he used the difference of {$2200.00} to buy down the interest rate, but that amount doesn't make sense nor is it reflected in any documents as a buy down that I could otherwise use for tax purposes. I asked the title company representative if this was the case with all XXXX closings and the representative confirmed yes, the maximum XXXX gave in the 0.5 % credit he owed to all people closing at my condo building was the {$1200.00} in fees every time. There were 2 preferred lenders and the title company also confirmed the other preferred lender did in fact give the full 0.5 % credit. I feel scammed and taken advantage of, I confronted XXXX in multiple calls, the title company called and asked for an explanation at closing, and nothing he provided made sense. 

I also locked in on the day that the mortgage rates were below 3 %. If I legitimately bought down the rate 1.75 points, my rate should not have been 3.125 % considering my credit score was over XXXX. I think he took advantage of me as a buyer considering he was the preferred lender.

I also filled out a survey to the branch manager after the closing explaining these issues and no one contacted me or did anything to resolve the issue. Please investigate this.

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 2020-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX, 2020, I requested that my mortgage payment to Chase be suspended due to COVID-19. Subsequently, I requested that it be suspended for a total of six months of no payments. Chase had stated on its website that I would be able to resume payments with a choice of either paying the full amount of the forbearance or placing the forbearance at the end of my loan. 

Towards the end of XXXX, I logged onto my account via the Chase website and tried to state that I could resume payments and that I wanted the forbearance amout to be placed at the end of my loan. The website had some sort of " glitch '' and would not allow me to do this. I then called their automated number and made the request. I never received a written response. On XX/XX/XXXX I logged in again and noticed that Chase had an old XXXX XXXX for my contact information. I wrote a letter and sent it via XXXX XXXX to both the payment center in XXXX, Kentucky and to Customer Service in XXXX, Louisiana. I included my payment which was applied to my account on XX/XX/XXXX. 

My address was updated and I received a confirmation letter dated XX/XX/2020. I never recieved any other correspondence. Therefore, I wrote another letter on XX/XX/XXXX and sent it to the same addresses, via certified mail. I included my original letter and again, requested that my payments resume and that all forbearance payments be placed at the end of the loan. 

Approximately one week ago, I logged into their website and the " glitch '' was fixed, so I was able to state that I could resume payments and that I wanted my forbearance amount be placed at the end of the loan. 

Today, I logged into their website and there was a letter dated XX/XX/2020, for a " Trial Payment Plan ''. This letter was NOT there a week ago. Also, this letter is addressed to my XXXX XXXX , even though they claim to have updated my address. The letter states that I am now in a trial period to modify my loan. It has lowered my payment amount ( which is NOT what I want ) and it states that I must make the payments by the XXXX of the month for the next three months or I will no longer be eligible. It also states that my credit could be affected. 

I do not want any of this. I simply want to make my payment, as usual, and have the outstanding amounts be placed at the end, just like they promised.

I am now sending my payment via overnight delivery and sending a certified letter to Six Chase addresses, since they use so many different addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I sent debt collection letters twice on XX/XX/2020 and XX/XX/2020. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2020-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Social Finance, Inc.
State: IN

Complaint narrative:
Recently purchased a phone, got scammed, seller agreed to refund but never sent anything to refund the item back. Case got denied because I couldn't ship the broken device back because the seller didn't send anything. Tried contacting my bank twice and they denied it. They are clearly condoning fraud and it's disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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:
XXXX 's account is identity theft. I have sent FTC reports to XXXX, they still will not remove the XXXX/XXXX account. XXXX  is playing dirty games ....

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