vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-23 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: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
In XX/XX/2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. Quality Acceptance is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by Quality Acceptance to all 3 credit agencies. XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I was notified by Transworld Sys Inc. of their account # XXXX of a debt claimed by XXXX XXXX XXXX for {$760.00}. I have not received any invoice from XXXX XXXX XXXX, and I have requested one several times from Transworld System showing any charge without anyone sending an invoice. There is no proof or basis given for the charges. In addition, medical services will mean that I get a notice from Medicare on what Medicare was charged, permitted, and paid. Medicare will show what I owe. I have not received any information from Medicare regarding  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
I recently made a cashapp, i was using it normally. I sent money and i received money. On XX/XX/XXXX, i added XXXX dollars to my cash balance which brought me to XXXX because i already had XXXX on my account. One of my friends were letting me rent their XXXX for XXXX so when i got ready to send the XXXX over it said payment couldnt be sent after hours of trying to send it different ways, i emailed support to find out my account was closed. I dont know what guideline i didnt follow but i literally was using the cash app normally. So i followed all of their FALSE steps to at least get my money back but none of them worked. It wont let me cash out and they closed my account for no reason at all but the XXXX is still sitting in my cash balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: TX

Complaint narrative:
On XX/XX/XXXX an autoloan with XXXX XXXX bank was obtained fraudulently on my name for the amount of {$24000.00} for a used car XXXX XXXX XXXX XXXX XXXX. VIN :  XXXX. I came to realize about this loan because of an invoice of XXXX Toll service with a picture of this vehicle I never had - this invoice was I received at my address. The auto-loanthough, was obtained with a different address, a place I never lived in before. 
On XX/XX/XXXX, I went to XXXX and was able to obtain a Certified Title History of this vehicle. I realized then, this car was purchased on my name. I then called XXXX  credit Bureau to obtain a copy of my credit report. I confirmed this unpaid loan hurt my good credit history and created a fraud alert and requested a service for credit monitoring.I also filed a police report same day. I also disputed this loan and they confirmed it was deleted from my report. I also contacted XXXX XXXXXXXXBank and disputed this loan as well, I was in contact with an Investigator-XXXX XXXX Bank XXXX XXXX, XXXX XXXX, phone XXXX. He sent me a Forgery Affidavit on XX/XX/XXXX. I sent all documents requested including my Driver 's license and police report. I thought the problem was solved but then was told I had to file a dispute with all three credit bureaus and called Experian and XXXX  ; both came back with negative results about my dispute on the auto loan. The loan remains in my credit as of now XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NH

Complaint narrative:
I use Money Gram to send XXXX XXXX to my parents back in XXXX on XX/XX/2019, with home delivery as service option. Today is XX/XX/2019, and my parents are still not yet to receive the money. I tried to work with MoneyGram, and already called them 3 times. But every time that they told me that they have no specific time of when they can resolve my issue, and told me to call back in 2 to 4 business days. They do not even to give me the case number. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
On XX/XX/2019, XXXX issued a Notice of Intent to Foreclose for my property, despite the fact that I submitted an application for mortgage assistance on XX/XX/2019. My application, submitted to the identified email address within the XXXX website, remains unacknowledged. XXXX has circumvented their responsibility to me, the borrower, by ignoring my request for assistance, and has proceeded directly to a notice of Intent to Foreclose. This is illegal, isn't it? 

Email submission including Application for Mortgage Assistance attached. 
Notice of Intent to Foreclose attached.

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 2019-02-23 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: FL

Complaint narrative:
XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX   BUSIN XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX BUSIN XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SECXXXX DOB : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am being contacted by a law firm for ocwen threatening foreclosure and to sue me for attorney fees despite XXXX of debt paid into a chapter XXXX and on the advise of counsel converted to a chapter XXXX. I have asked for assistance year over year. It is clear my loan was a part of mortgage fraud and greed. Yet I am left with nothing. Ocwen did not once attempt to call me. Everyone once again trying to get my home and equity to profit of me. My home did not close the sale because ocwen stated I owed a discharged paid debt from XX/XX/2005. The closing fell through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
It's a shipping service called " XXXX XXXX '' used by a cattery. Based on contract they charge me {$950.00} in total for cat & shipping on XX/XX/XXXX. On XX/XX/XXXX they ask $ XXXX+ {$1000.00} for vaccine, rental of crate and insurance, which is not on contract and claim to be refundable. On XX/XX/XXXX they claim my cat is dead and promise {$8000.00} full refund, but another {$1200.00} processing fee. Afterwards they cut off my call or email, vanished with money. I called Bank of America for help immediately, try to revoke these four transactions, providing receipt, refund document, payment detail, email evidence. On XX/XX/XXXX they deny my claim, saying the receipt of service/merchandise must be solved by myself with merchant but like I said I can't connect merchant. They are in another state and don't reply my email or 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 explanation
Consumer complaint received 2019-02-23 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: CA

Complaint narrative:
XX/XX/22 Charge from XXXX XXXX XXXX for {$300.00} on a card that had been blocked due to fraudulent activity. I had previously had Chase successfully dispute the initial portion of this charge as it is for an installment payment on an item I never received. I gave Chase this information multiple times over the phone and in writing. Chase first claimed they would handle it, then claimed they never received the dispute, and ultimately claimed that it was processed too late for them to do anything about it. I have submitted statements to chase after numerous phone calls. 

XXXX {$750.00} from XXXX I had chase successfully dispute {$310.00} of this and requested that they dispute and remove the {$450.00} balance as the vendor had not provided the insurance, restitution, or services included with their shipping plan. I sent Chase the receipts showing the damages that I incurred and offered to send them chat scripts and e-mail information. Chase never followed up or contacted me with regard to these items. Once again, after not properly handling the dispute or following up in the manner that they are required to and advertised, they closed it out and claimed that it was too late do anything. I made numerous phone calls to them. They didn't even promptly let me know they had closed the issue out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: FL

Complaint narrative:
XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX IN XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: FL

Complaint narrative:
XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NJ

Complaint narrative:
I experience problems and delays every year when it is time to recertify my income driven repayment of my loan with XXXX XXXX. This year, I submitted my recertification documents on or about XX/XX/19 and as of today, over one month later, I still receiving information that my information is not submitted. If this is not rectified by the end of this month, mu loans of nearly {$200000.00} will go into a standard repayment which I can not afford. I keep calling and speaking with different representatives that acknowledge they can see the information I submitted on their end and the process will be expedited, then I check the website and receive emails showing that my recertification can not be processed because it says they have not received the information which is not true. The processing at my XXXX is horrible. Eveything is delayed, including processing of payments and the annual recertification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I took steps to enroll in auto payment at every XXXX to prevent being late. The minimum amount for XX/XX/XXXX was {$110.00}. On the XXXX, my request for partial balance transfer on my Capital One account from my XXXX card in the amount of {$1800.00} was credited to my Capital one account which was more than the minimum amount required. I chatted on line with XXXX an account supervisor on the XXXX and discussed the situation of " Double payment/ Redundant payment. I asked if I could get reimbursed for the minimum payment made on the XXXX. He said 'No '. I asked if that amount can be considerd as XX/XX/XXXX payment. Again, He said 'No '. My contentions are that Being in a Supervisory Position, he could have made a request to the particular department that can take care of my requests. Their IT can in probability take care of this. There was no pause I observed in ready answer for him to ask or consult with any department. They never informed me whatso-ever that, that's their policy, 'NO REFUND/REIMBURSEMENT '' for consumer 's mistakes on payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal is attempting to collect a debt from what they claim is a chargeback from a buyer. This is an issue involving {$2200.00} for an item that was shipped to a PayPal user who subsequently damaged the item severely and is attempting to get his/her money back. Paypal had already closed this case out twice. I have the evidence backing that the item was damaged by the user. Paypal stated that they had contacted me about the chargeback case, yet they could not verify this. I have multiple emails from Paypal, yet none regarding a chargeback issue. They originally stated that they would handle it when I finally saw that they were debiting my balance by {$2200.00}. Subsequently, they stated that there was nothing they could do, it was not something that they covered under seller protection. The original shipment is from XXXX and the chargeback issue is from XXXX, I believe, as they won't verify that either which would make it beyond the 60 day window for a CC company to attempt to file a claim. 

This is not an item not as a described case, as the item was shipped as described and damaged by the receiver. 

This is under their dispute : XXXX

Company response to consumer: Closed with explanation