vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Please see the one of many emails that I sent to the company below. 

Good morning XXXX, Thank you for your response. I had someone send me money using my phone number, however I didn't realize my phone number wasn't attached to my account so I proceeded to follow the instructions in the text message I received advising the funds were sent. I received a message saying the funds were collected but the money wasn't showing in my account. I followed the instructions under support for collecting the money using my phone number but that was prompting me to create a new account, so I backed out of the process. However, the sender received a message saying the funds were collected although they aren't showing in my account. I tried to add my phone number to my account but it isn't allowing me to do so, it's saying that the number is attached to another account ( I didn't complete the process of starting the account using my phone number ). I have included screenshots below. At this time, I still do not have the money in the account. Are you able to assist me with either getting the money added to my account or sending it back to the original sender ... XXXX? Thank you for your help. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed out 3 letters on XX/XX/2020 to dispute an online payday loan that was taken out in my name without my consent and its now on my credit report and Ive sent several letters asking to send the contract with my signature so I can prove that its not mines and remove it and I havent received anything back from the credit bureau and its been over 60 days. 

This has caused me not to be approved for many things as its in collections so its very damaging to my credit report which affects my lively hood! This has caused so much mental stress especially during these times. Please review!

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 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
Based on the payments made Nation Star is showing an incorrect balance for my mortgage. I have included a spreadsheet showing transactions from my XXXX checking account to Nationstar and a document Nationstar sent me showing the transactions in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NY

Complaint narrative:
After my checking account was closed, on XX/XX/20 XXXX sent a refund of {$19.00} to the closed account. I called 3 times asking how my funds can be accessed since the account is closed. PNC confirmed that they received the refund and temporarily reopened my account to do so. I was informed that I would receive a check by mail but no one knows when. There is a department that issues the checks that I can not speak to directly apparently. I would like my refund check as soon as possible. It has been over 10 weeks since the deposit was made and PNC has not allowed me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: KS

Complaint narrative:
I have contacted Experian numerous times to no avail regarding a Mixed file, I know it is as such because after speaking with my brother who shares a similar name and address, has many of my personal accounts and vice versa on his Experian Credit Report. XXXX and XXXX  do not have such a issue with respect to reporting accurate and complete information regarding accounts, especially student loan accounts. I have further inquired with the Student Loan company, XXXX and they said they sent a UDR request to Experian to immediately cease reporting of my student loans to my brothers credit report. They found this odd and obviously in violation of the law, especially as it relates to the FCRA et al. As a result of Experian 's willful negligence and contempt for reporting only accurate data, I have been denied multiple credit offers that otherwise should have been granted, but because they take only into account Experian information it is not accurate nor complete, the fact that I have no late payments and always pay in full alongside my student loans which have never been late is a testament to the amount of work I have put in being financially disciplined, if only Experian held the same standard when reporting information to the actual individuals account. I am beyond exhausted from sending multiple CMRRs to no avail, it is time Experian correct the improper and perniciously inaccurate data!

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge i do not recall any of these accounts i need this problem fixed as soon as possible. i mailed out a letter regarding these accounts on XX/XX/2020 to this day over 60 days later I have no received a response I am becoming impatient within the lack of response and delays these accounts need to be removed from my profile 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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Complaint Number : XXXX XXXX Wells Fargo Case Number : XXXX This complaint is in regards to a closed account with Wells Fargo Bank. Around XXXX or XXXX of XXXX, I noticed approximately {$3400.00} was missing out of my Wells Fargo Bank Account. As soon as I noticed the funds were missing out of my account I went into the XXXX XXXX, South Carolina Wells Fargo Branch to speak with the Branch Manager. On Thursday, XX/XX/XXXX I filed a complaint with Wells Fargo Bank Personal Banker XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. Wells Fargo Bank Personal Banker XXXX XXXX XXXX created a escalated complaint. Complaint Number XXXX XXXX. A Wells Fargo Case Specialist by the name of XXXX XXXX sent me a secure message stating Were continuing to research and address your concern about missing money from an account. Our initial goal was to provide a response by XX/XX/XXXX, however further research is required in order to provide a comprehensive resolution of this matter.We now expect to complete our work by XX/XX/XXXX and appreciate your patience during this time. As of today Wednesday, XX/XX/XXXX I havent received an email after receiving the attached secure message included with this complaint.I have included a screenshot image of the Wells Fargo Secure Message with this complaint.Please let me know if you require additional 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
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I have asked this company HP sears several times do not call my phone they continue to call on different numbers every single day I have already filed three complaints against this company they continue to call and harass me every single day from different numbers

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed out 3 letters on XX/XX/2020 to dispute an online payday loan that was taken out in my name without my consent and its now on my credit report and Ive sent several letters asking to send the contract with my signature so I can prove that its not mines and remove it and I havent received anything back from the credit bureau and its been over 60 days. 

This has caused me not to be approved for many things as its in collections so its very damaging to my credit report which affects my lively hood! This has caused so much mental stress especially during these times. Please review!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I Used my XX/XX/XXXX Mastercard through Barclays bank to purchase a trip back in XX/XX/XXXX XXXX through XXXX. for the amount of {$3800.00} and insurance payment of XXXX. In XX/XX/XXXX I received an email from XXXX stating my trip which was scheduled for XXXX XXXX, XXXX to XXXX XXXX had been cancelled and they were unable to give refunds and for me to reach out to my credit card company to get my refund. I called my card company they said I had to send in written statement which I did. Supposedly they put it in the system incorrectly which i didnt know but they told me it would take 3 billing cycles for my refund. So once i waited and received nothing i called again at which they said I needed to resend my paper statement which I did. This time I called in early XXXX and spoke to a supervisor which apologized and said she would take care of it. I got 4 letters from my card company. One dated XX/XX/XXXX XXXX explaining my dispute. One dated the XXXX saying my dispute was denied due to time frame. Then two dated the XXXX saying it was being investigated again. So I contacted them via the chat system which I have copies of the conversation and was told I would hear from a manager in 24 to 48 hours which it has now been over 48 hours and I've heard nothing. I'm missing nearly {$4000.00}. And they have been charging me interest on this since I tried to cancel in XXXX. Now it is services not renderred because I did not go on my trip XXXX XXXX. I've filed a police report and with the FL AG. This is my last hope to get my money back

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 2020-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
Debt originally owed to Cottonwood Financial, dba Cash Store, I am unaware of the amount due to that the current company, XXXX, will not provide me this information, nor will they provide me a mailing address for correspondence. I have received repeated threatening calls from XXXX XXXX who identifies herself as a Compliance Officer who accuses me of negligence, and that a Process Server is being dispatched to my home and place of employment. She is also calling the references that I provided at the time of the loan, threatening them stating I have not been in communication although I have on several occasions. She indicates that I have the legal right to contact the office that is processing my case, she provides XXXX and a file number. Each time I contact that number I speak with a rude and abusive gentleman who refuses to provide me any information other than who the debt was owed to, which I already know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Good Evening and Happy New Year! I'm actually coming to this forum to draft a formal complaint against the 3 major credit bureus for failing to properly investigate these accounts that you see on the attachments. For the last 6-9 months, i've dedicated my time and money on drafting letters and send the letters through USPS. I find it really hard that Equifax ; XXXX  and XXXX  actually performed any investigation into these accounts. What was your actual method of investigation ; who did you talked to? Did you just used your electronic e-oscar system to verify the data? I called each of these account and they said that they never received any of the complaints or letters i sent to you guys, but yet i keep getting these genetic pre-printed templates saying that those accounts has been verified as accurate reporting - how so? 

Again, you continue to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, who did the account go transferred to, the last time you reported, the last time i made payment, etc, etc. Therefore, it's impossible that you honestly performed a true investigation into these accounts, but instead, just ignored my entire request from the last 9+ months.

ALso, I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process - which i contacted them directly through mail. Im extremely upset and shocked about the way these charge-off accounts and negative items are reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I have file a dispute already for ACIMA to be remove from my report.. I have never had an account with them in my life. This dispute was done in XX/XX/2020. I do not understand why it is taking so long to remove this from my report. If there was issues then I should have been contacted instead of ignore like I this has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: FL

Complaint narrative:
Experian claims that I didnt authorize my own complaint. Please investigate and delete the following disputed accounts : 1. XXXX XXXX XXXX  - Account # XXXX 2. XXXX XXXX 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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has sent a debit card on my personal account and it does NOT work. The PIN they provided does not work. It has been going on for last 6 months. This is a criminal bank and have wait to 40 minutes to talk to customer service. Have to spend 5 days at the bank and no one knows how to fix it. Customer service is a 4 letter word.

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 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I was trying to send a Friend {$50.00} and I sent it to the wrong person and her cash tag is XXXX XXXX. I tried to cancel it but I didn't receive my {$50.00} back. I keep emailing cash app people that I just want my {$50.00} back into my account, that I don't want to send it to no one. They keep saying the same thing over and over again, who was you trying to send it too. And I keep telling them that I just want my money back into my account that I dont need it sent to no one cause I just ended up driving over to my friend house to give them {$50.00} so I dont need it sent to no one. Just put my money back into my account. They just keep saying the same thing over and over. They wont even answer my questions either. I even told them to call me and they dont even do that. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge i do not recall any of these accounts i need this problem fixed as soon as possible. i mailed out a letter regarding these accounts on XXXX to this day over 60 days later I have no received a response I am becoming impatient within the lack of response and delays these accounts need to be removed from my profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge i do not recall any of these accounts i need this problem fixed as soon as possible. i mailed out a letter regarding these accounts on XXXX to this day over 60 days later I have no received a response I am becoming impatient within the lack of response and delays these accounts need to be removed from my profile 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 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Good Evening and Happy New Year! I'm actually coming to this forum to draft a formal complaint against the 3 major credit bureus for failing to properly investigate these accounts that you see on the attachments. For the last 6-9 months, i've dedicated my time and money on drafting letters and send the letters through USPS. I find it really hard that XXXX ; transunion and XXXX  actually performed any investigation into these accounts. What was your actual method of investigation ; who did you talked to? Did you just used your electronic e-oscar system to verify the data? I called each of these account and they said that they never received any of the complaints or letters i sent to you guys, but yet i keep getting these genetic pre-printed templates saying that those accounts has been verified as accurate reporting - how so? 

Again, you continue to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, who did the account go transferred to, the last time you reported, the last time i made payment, etc, etc. Therefore, it's impossible that you honestly performed a true investigation into these accounts, but instead, just ignored my entire request from the last 9+ months.

ALso, I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process - which i contacted them directly through mail. Im extremely upset and shocked about the way these charge-off accounts and negative items are reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified!

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