vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-26 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: AL

Complaint narrative:
I had {$14000.00} in cash app saved up. And I transfered {$4000.00} successfully and a couple days later cash app suddenly closed my account and said I wasnt following their rules. All I wanted was to purchase a home. So I linked my bank card to cash app to cash out my remaining balance to my bank account and the card I linked was my temp card from my bank so when the money came threw my bank sent it back. Then cashapp said they  closed the issue. And now I cant get anyone to help me. They apparently do this to everyone. Close their account and keep their money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: GA

Complaint narrative:
I relocated to XXXX GA in XXXX. I alerted CarMax of all of my current and updated addresses as per our agreement. 

My vehicle was repossessed between XXXX and XX/XX/XXXX due to me losing my job and not being able to keep up with payments for 4 months. 

It is now XX/XX/XXXX and I have reached out to CarMax to take care and settle my account. The cover page from CarMax is addressed to a XXXX XXXX and not myself. 

I have now received " copies '' of CarMax 's intent to sell that was originally sent to an incorrect address on XX/XX/XXXX. This certified mailing has a status of : Returned to Original Sender. 
I did not receive this communication. 

I have now received a " copy '' of CarMax 's intent to sell dated XX/XX/XXXX via NON certified mailing. I did not receive this letter as it was sent to the incorrect address. 

I have now also received a " copy '' of CarMax 's alleged Calculation of Deficiency which has an exorbitant 95 % additional costs compared to the stated aggregate amount owed after deducting the proceeds of the sale. This notice also states that CarMax is charging additional " finance charge or interest '' that is being added to the balance. 

I did not receive any communication pertaining to the repossession of my vehicle, prior or immediately after its repossession. 

CarMax 's lack of attention to detail coupled with their lack of due diligence has hindered me from obtaining credit. 

During this time of COVID19 it is imperative that CarMax fixes their broken system to ensure that accurate information is referenced when dealing with their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
According to FCRA, Im unable to get my credit report due to a failed website and information that is either mixed or fraudulent. I can not access my personal information for being locked out of Trans Unions online website. Once I login to XXXX XXXX which I dont know who this company is, it does not sat Trans Union but redirects me to this site. Once account is setup accessed and then logged off, it locks you out. There must be some fraudulent activity associated with 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 2020-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
I wrote a letter to validate my debts with Phoenix Financial Services on XX/XX/2020. Due to an overwhelming schedule I wasn't able to mail it until XX/XX/2020. The company received it on XX/XX/2020 at XXXXXXXX XXXX  from the post office. I am yet to hear back from the company within the 30 day window to validate my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had three accounts with XXXX two years ago and suddenly they are not reporting on any of my credit files. FCRA states that paid closed accounts are to remain for 10 years on the credit report. They are quick to report negative information but positive information XXXX refuses to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had three accounts with XXXX two years ago and suddenly they are not reporting on any of my credit files. FCRA states that paid closed accounts are to remain for 10 years on the credit report. They are quick to report negative information but positive information XXXX refuses to report.

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 2020-07-26 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:
I left these out on the other complaint. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX REF : Confirmation Number XXXX I am writing to dispute the following data in my credit file. I have listed all inquiries below. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. I have severe problems with XXXX XXXXXXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. 
My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. I sent certified letters to you all over sixty days ago. Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? 
Why should my family continue to stay in a XXXX since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not take their knee off the necks of XXXXXXXX XXXX, particularly my neck? I am begging to have these inquires, and you all will not let me breathe? Could you all show XXXX 's kindness to Veteran who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes. 
Inquires 1- XXXX XXXX Show Details XXXX 2-XXXX XXXX XXXX Show Details XX/XX/XXXX 3-XXXX XXXX XXXX XXXXXXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX is essentially owned by XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This debt is over 7 years old and is having a negative impact on my credit file. I was told before by the debtor about a year ago that they will request to remove this debt. I have requested a removal many times and it is still on my credit file.

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 2020-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
This debt was a Jewelry store account in which I had insurance that paid the account if I became unemployed. I was told by the debtor several time that the debt would be removed. I tried several times to remove this debt with the debtor and the credit reporting agencies. This account is over seven years old and should have been removed. This debt is causing a negative impact on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I have carried a bank card for many years that has the Master Card logo on it. I assumed that for all of these years it was being reported on my credit report and assumed it was helping me to establish credit. Since I have carried and utilized it for MANY years in good standing I decided to apply for a real credit card, only to find out that I STILL have " Unestablished Credit ''. WHY are these banks allowed to utilize the credit cards logo if it DOESN'T get reported onto your credit report?

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 2020-07-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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 INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-07-26 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: IL

Complaint narrative:
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 INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: IL

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 INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-07-26 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: Experian Information Solutions Inc.
State: IL

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 INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-07-26 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:
A friend of mine sent me {$450.00} through cash app owned by square Inc . This deposit from a friend 's cash app account to mine occurred on XX/XX/2020 When I tried to transfer the money out and into my bank account the same day I had issues and noticed that cash app locked my account due to what they thought was fraudulent activity. I emailed cash app continuously, for days after this, and followed all of their directions which involved uploading a picture of my ID front and back to them along with a picture of my face holding my ID. I tried to get a hold of them on the phone but they do not have anybody that can answer or talk to you. 

Sometime around XX/XX/2020 I logged in to find my account was deleted and wiped out and no trace of my old account along with no money. Luckily my friend still have the email that said who she sent money to along with my username. Cash app then said I needed to merge my account and I need to send them all the information I could to merge my old account which isn't showing up at all and my new account that I had to create just to get into cash app. 

I would think when you are handling someone's money, good customer service and professionalism is expected. 

All I got back from cash app were generated email responses which were all very generic and definitely not from a real person. I contacted the XXXX XXXX XXXX and filed a complaint. I documented everything I needed to on cash app and sent it to the XXXX XXXX XXXX Not even a day later I got a message in the XXXX XXXX XXXX With an attached response from cash app and it appeared yet again to be another generated response. The response was somewhere along the lines of telling me to do the same thing I've already done many times before this which is to verify who I am and send them a list of details about my old account that mysteriously vanished. I did what was asked once more but did not accept their response and wrote in the response to XXXX  why I don't accept that response. It has been almost two months and still they refuse to talk to me on the phone they wont refund my money or explain what account my money was transfered to. I don't know if the XXXX XXXX XXXX is doing anything about it but it's been about two weeks since I've heard from them. I can also not get ahold of anyone on the phone at the XXXX XXXX XXXX I was told to call the XXXX XXXX XXXX XXXX XXXX but nobody answers or returns any of my calls and I have left voice mails. I do have a record and screenshots with proof that the money was transferred to my cash app. I just want to know where the money was transferred to and why my account is deleted and I want a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, those accounts are listed on the attachment as result of identity theft.

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 2020-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This was a debt that is almost 10 years old. But National Credit Adjusters are reporting that I owe them with no contract or verified debt. I have a letter from the last agency to have this debt which is being passed around and sold to now this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, those accounts are listed on the attachment as result of identity theft.

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 2020-07-26 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, those accounts are listed on the attachment as result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
When applying for a loan via Quicken / Rocket Mortgage, I was verbally offered a 2.8 % Mortgage Rate, with processing fees of {$1200.00} on XX/XX/2020, to finance {$260000.00} on a Condo sale of {$360000.00}. On XX/XX/2020, this offer was rescinded upon direction of XXXX XXXX, due to the location being a Condominium and all units on the property were not completed, despite my provision of a Certificate of Occupancy by the County in which the property is located, XXXX XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I had XXXX and I was told my insurance all the medical cost. 
1yr ago. XXXX, & XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am not allowed to link my pnc accout to my XXXX account online because of settings with pnc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have no knowledge of this charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
My XXXX  XXXX submitted my payroll 14 to enter my account by the XXXX. My paycheck never arrived to my account. My bank delayed and never processed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC

Complaint narrative:
This company reported an account from XXXX on XX/XX/2019 in the amount of {$280.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.

Company response to consumer: Closed with explanation