vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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: MI

Complaint narrative:
On XX/XX/XXXX a customer inquired on purchasing an item from me. I have messages to prove this And they will be attached. This person first contacted me to deliver to them at XXXX XXXX XXXX, XXXX MI. The person first cash apped me for delivery. At XXXX the customer viewed the product felt the quality agreed to the Payment and cash apped me and I delivered the product. At XXXX this person contacted with unreasonable demands of me refunding her for an altered product at which I declined. The person stated, " It's okay, I will just dispute the whole thing. '' However this is not a disputable matter as she receive the product she paid for. I withdrew the funds from my cash app however the funds are no where to be found and I've contacted cash app on multiple occasions to no success. I've sent emails and I've contacted XXXX. The purpose of this complaint is my Matter has not been heard in this dispute and my funds are not available to me as they should. In addition my XXXX XXXX XXXX birthday was XX/XX/XXXX they will show several deposits that day for her birthday. Around XXXX yesterday I withdrew the money from the deposit from the person " XXXX '' and so all the money that I do not show as available was my daughters birthday money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked Experian why if my student loans are in good standing that debt to ratio goes up. I am in a work program that allows me to not pay because I work in a nonprofit but when my student loan reports it shows my interest rate which causes my debt to ration to go up. 

After asking this question and getting an answer my score drop with Experian 14 points and it should have not. 

I have an attorney looking into a class action suit on credit reporting. I should not have my score impacted for a dispute question.

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 2020-05-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, XXXX XXXX  did 3 hard pulls on my credit with Equifax in 2019 all within a couple of weeks. They advised they'd remove the extra pulls as they were due to their own system problems. They say they tried to remove but Equifax shows them still there. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TX

Complaint narrative:
Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... 


ask yourself would you pay for violations done to you NO!!!!!!!!! 

XXXX XXXX XXXX {$2200.00} {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: U.S. BANCORP
State: FL

Complaint narrative:
I went with my roommate to XXXX XXXX XXXX to help him with his purchase of a vehicle. He needed a down payment, so I allowed him to put the down payment on my own credit card. It turned out that the dealership was very shady, and in the 2.5 months that he had the vehicle never fixed anything on the car, and the car kept having problems and having to go back in for service ( under warranty ). On the last time that it went in for service ( with an appointment ), the repossessed the vehicle. The bank has credited 100 % of the purchase price, but the dealership will not return my calls. I tried to charge this back in dispute since the vehicle which should not of been sold in the first place due to it not being street-worthy had been repossessed and 100 % of the money was returned to the car buyer, the dealership was supposed to refund on my credit card the down payment. The company is trying to say that the down payment was a deposit and deposits are not refundable. At no time did I sign anything stating that this {$7000.00} was a deposit on the vehicle. It was all financed and purchased all at once at the same time.

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 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
1. XX/XX/XXXX : a ] {$130.00} was automatically withdrawn from my Citibank account # ending in XXXX by XXXX. 
b ] I am not nor have i ever been a XXXX  customer. XXXX  confirms this. 

2. On or about XX/XX/XXXX a ] I filed a dispute with Citibank ( issue # XXXX ). 
b ] My debit card was cancelled and a new one issued. 
c ] I requested Citibank block XXXX  from accessing my account. 

3. XX/XX/XXXX I received a credit of {$130.00} to my account. 

4. Sometime between XX/XX/XXXX and XX/XX/XXXX : Citibank gave XXXX my new debit card # 5. XX/XX/XXXX XXXX withdrew {$270.00} using my new debit card number. 

6. XX/XX/XXXX I filed a dispute with Citibank XXXX issue # XXXX ) 7. XX/XX/XXXX a ] claim still hadnt been resolved b ] Received a letter from Citibank requesting information that was not relevant to my claim ( such as was the merchandise damaged? Did I have a receipt for my purchase, etc. 
c ] Called Citibank again who reopened the claim. 
d ] Filed a dispute with XXXX  ( issue # XXXX XXXX 8. XX/XX/XXXX a ] followed up with Citibank who opened another claim ( # XXXX ) with their fraud department 9.  XX/XX/XXXX Received a letter from Citibank rejecting my claim # XXXX due to the amount of time that has passed since this charge was first billed. 

10. XX/XX/XXXX a ] Contacted Citibank again. Was advised to appeal in writing. Given sub case # XXXX. 
b ] lost faith in XXXX effort to replace money they erroneously deducted from my acct on XX/XX/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 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
On XX/XX/2020, New Res debited from my checking account a final loan payment in the amount of {$1100.00}. My principal balance was {$710.00}. On XX/XX/2020, I sent a message to the NewRes servicing department to confirm that when the final payment was received, they would pay the loan off and any overage would be returned to me. On XX/XX/2020, I sent a written request via their customer service email, requesting that they apply the {$1100.00} they were holding in unapplied to my loan, pay it off, and refund me the difference back. I received no response. On XX/XX/2020, I contacted NewRes via phone to request they apply the {$1100.00} they were holding in unapplied to my loan, pay it off, and refund me the difference back. They assured me it would be taken care of before XX/XX/2020. On XX/XX/2020, I contacted NewRes via phone to again request they apply the {$1100.00} they were holding in unapplied to my loan, pay it off, and refund me the difference back. They apologized for the delay, but assured me it would be taken care of before XX/XX/2020. 
As of XX/XX/2020 at XXXX XXXX XXXX, my loan is not paid off. At this point, NewRes is currently in violation of the Federal Prompt Crediting Rule. More than sufficient funds have been collected by  them, but they refuse to apply these funds to my loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TX

Complaint narrative:
Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... 


ask yourself would you pay for violations done to you NO!!!!!!!!! 

XXXX/dept of ed {$2200.00} {$3800.00}

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 2020-05-27 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:
Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... 


ask yourself would you pay for violations done to you NO!!!!!!!!! 

XXXX/dept of ed {$2200.00} {$3800.00}

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refuses to unlock my credit report using their feature called " XXXX ''. I have tried multiple times and it is an error each time. This flaw in their system has in turn sabotaged my ability to get a XXXX loan through the XXXX for my failing business. I can not unlock my Experian File due to their system malfunctioning and in turn it can be the life or death of my business.

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 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have been having an ongoing dispute with Portfolio Recovery Associates that has been running for over a year now without resolution. They are reporting when I have never entered into any agreement with them or been provided any services by them. They have never verified the alleged debts that they are claiming. They are collecting without any permission. In fact, the accounts they are claiming to be collecting on dont even exist on my credit. Despite PRA stating the limited documentation they mail in response to me establishes validation they havent accomplished that yet to date as emphasized in the many disputes and complaints I have filed against them. 
That said, I was pleased to find that they were closed and removed from my XXXX   credit file as of XX/XX/2020. I am hopeful that these accounts stay off of my credit for good in keeping with PRAs failure to properly prove these claims. I also am putting this complaint through to the CFPB in the hope and expectation that these accounts will be similarly removed from my XXXX  and XXXX credit files in the same way that they have been removed from XXXX  and that they permanently remain off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I had a cancellation with XXXX for 4 trips ; XXXX emailed me on XX/XX/XXXX stating all the charges done end of XX/XX/2019 of {$280.00}, {$200.00}, {$91.00} and {$360.00} were processed back onto my credit card on XXXX. 

I never saw it come back onto my c/c I constantly wrote and emailed Citibank too asking why didn't they give me the credit. I had to file a claim with CFPB over this # XXXX too! 

I received a call on XX/XX/XXXX XXXX from XXXX XXXX in the Direct Executive Office, phone # XXXX, email XXXX. 

She said that the credit was given on XX/XX/XXXX ( so who was lying Citibank or XXXX over this XX/XX/XXXX original credit date? ). Then she said that 'their system backdated the credits to XXXX - which technically isn't correct to basic GAAP accounting procedures either. 

She said that their staff, XXXX on XX/XX/XXXX at XXXX via Citibank portal chat, didn't do their job correctly when she said that they would send me a check for the refund check that amount. That there was an override that would have to be made. 

XXXX said that within 24 hours which would be XX/XX/XXXX, that the full amount of the above 4 charges would be transferred into our personal checking account. 
I emailed XXXX the information she requested regarding XXXX XXXX email ; which was sent XX/XX/XXXX at XXXX. 

Guess what XXXX lied too - there are no funds into our account as of this morning XX/XX/XXXX 6 days later from the first contact with XXXX. 

If we don't have it within 7 calendar days after filing this claim, we will sue Citibank within small claims court ; as they have had our money since XX/XX/XXXX and are refusing to send it back to us.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am trying to refinance my mortgage and XXXX XXXX is reporting unpaid tax liens which is inaccurate. I have even submitted certified tax lien releases and it is still showing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX CAINE WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked Experian why if my student loans are in good standing that debt to ratio goes up. I am in a work program that allows me to not pay because I work in a nonprofit but when my student loan reports it shows my interest rate which causes my debt to ration to go up. 

After asking this question and getting an answer my score drop with Experian XXXX points and it should have not. 

I have an attorney looking into a class action suit on credit reporting. I should not have my score impacted for a dispute question.

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 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief