vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I paid cash to my Wells Fargo Bank for a cashiers check to pay my mortgage. Mailed a cashier 's check for {$1500.00} to my mortgage company the same day. By XX/XX/XXXX the cashier 's check still had not reached my mortgage company. I did talk to my mortgage company they told me to give it a couple days mail was slow because of XXXX. I then waited till XX/XX/XXXX to see if they received it they had not. That's when I went to my bank to have a stop payment put on the check. That cost me {$31.00} at my bank .The Wells Fargo representative that I placed the stop payment with told me that I would have to wait 30 days before the money would be refunded to my account, and that I would not have to come up to the bank personally. Now on XX/XX/XXXX my mortgage company sent a letter to me stating notice of return check for the sum of XXXX have been returned to us by your bank for the following reason stop payment. XX/XX/XXXX would have been the date for the {$1500.00} to be put back into my account which do not happen. I keep getting the runaround from the bank and my mortgage company. My bank keeps telling me I need the original check so they could refund my money and a mortgage company keeps telling me they sent my bank a photocopy because mortgage company destroyed the original check. Bank says pretty much photocopy won't work and it may take three years to get my money back do I have any recourse? thank you.

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 2021-03-24 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: CA

Complaint narrative:
On Friday, XX/XX/XXXX, XXXX XXXX PST, I walked into the XXXX XXXX XXXX for a test drive and soft check quote of a XXXX 2020 XXXX XXXX. The appointment was with XXXX XXXX, a salesperson on staff at the XXXX XXXX XXXX. The appointment proceeded with a test drive, and midway through our drive, I asked XXXX if he would be willing to do a soft check to get me a quote ; however, I was not interested in hard credit checks today as it was not within my capacity to buy today. XXXX indicated that a soft check quote was possible. We drove back to the dealership ; I sat down, and after much discussion and reminding XXXX that I was not interested in a hard credit check, XXXX brought me a paper to sign. He said, " I'm going to get you a quote directly from XXXX in order to get your rate low, '' and " I need you to sign this to confirm your work history and previous address. '' I asked him, " this is not a hard check, is it? '' He said, " no. '' Unable to easily read the document due to its excessive coping, I signed the document with XXXX XXXX  reassurance, trusting what he said was true. The next morning I received a text message notification from an unrelated company which indicated that a hard credit inquiry was done by XXXX. As it was now Saturday at XXXX XXXX, I planned to call back on Monday to rectify the situation. Monday evening, after 3 attempts to reach a manager, I was told that a manager was not in, even though a previous representative indicated one was in their office. After this third failed attempt to reach a manager, I received a call from an unknown number ; it was XXXX XXXX. This conversation took place at XXXX XXXX. Throughout the conversation, I was ridiculed by XXXX that when he said, " I'm checking with XXXX, '' that means the same thing as me giving permission to run a hard check. Obviously, he failed to address his fault in that when I asked, " XXXX, is this a hard check '' he lied to me by answering " no. ''

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 2021-03-24 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: TX

Complaint narrative:
I've been disputing this account for. Early 5 months and they fail to provide factual documents of doing an investigation such such as who they talk to what day what time and documents. Instead they just say verified a few times they said who verified it when I called but when I called the company they stated they didn't verify it and forwarded information to the company stating it should be removed because it's not accurate. Now they saying the same company again XXXX XXXX verified ans they sent me the documents that was sent to the credit bureaus that said it should be removed because it's not verified. I just want an answer which is proof or method of verification vs sayinf verified and keeping inaccurate info on my credit report. I'm taking all the necessary steps so if it's verified please show supporting documents if you can't. Then please remove inaccurate info. I'm tired of getting he run around. I've contained documents to follow up with the things you guys tell me. Not to mention which I've highlight in previously letters that that case number isn't even a real number. Which is another inaccurate detail

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 2021-03-24 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Repeated calls from debt collectors even though I don't have any debt/loans at all. I told them they must have incorrect contact information, they said they will continue calling until they can verify I'm someone else. I asked repeatedly to remove my number and quit calling, they refused to do so and got hostile and rude saying they were doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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:
Experian has failed to update my credit report, even though they were informed by XXXX XXXX that the hard inquiry XXXX were fraudulent and had to be purged from my credit file. 

Listed below is the information as it shows on my credit report which was pulled today : XX/XX/XXXX. 

XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Attached is proof from XXXX XXXX that the information for removal was communicated on XX/XX/XXXX to Experian.

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 2021-03-24 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:
Credit card account was entirely paid off in full & before due & shouldve been nothing but in good current standing. Instead account was still later charged off & placed negatively as a fully unpaid collection on all credit files. Since then, been disputing this w/creditor & all 3 burueas all of which only " investigate & verify '' & refuse to remove this boldly false & wrongful " account/info ''.

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 2021-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
This complaint is about the XXXX loan, second draw. I have had an application in with them since XX/XX/2021. I am a sole proprietorship with 5 other W-2 employees. The loan is to be under my SS #, payroll has an EIN #. My first draw was issued with my SS #, as it should be. 

I have submitted a complete application, and all necessary documents. I was sent docusign loan documents to complete onXX/XX/21. Once I completed them, I hadn't heard anything back. I called many times and they repeatedly told me everything is fine, that the loan is processing. About 10 calls in, a rep told me there was an error code from the XXXX and asked me to verify the number of employees I have. I told him 5. Then I started getting phone calls asking me to verify the number of employees I have, and I repeatedly told them 5. One rep told me I needed to change the number to one or change my entity, which sounds like fraud. I said nope, I have 5 and am a sole proprietorship. All perfectly legal and correct. Several more phone calls and emails checking the status of my application, to no avail. I called on XX/XX/2021 and spoke with someone and asked them to escalate my application as it had been in since XX/XX/XXXX. He told me the caseworker would get moving on it and I would hear back within 72 hours. Never heard from them. A week later, I sent emails requesting the status of my application. Never heard from them. Two days ago, sent a message via their online portal. Never heard from them. I'm so frustrated. Thank goodness the XXXX extended the XXXX deadline. This feels criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
During the week of XXXX2021, I received a Pre Selected offer of a cash bonus credit card from Capital One. On Sunday of that week, I went online to apply for this card. I had been given a Reservation # and Access Code.

The application took all of my contact information, including my birth date, annual income and Social Security number. The very last requirement ask me to take a video of myself and upload that along with a photo of my State ID. At XXXX, this is something I could not, nor know not, how to do! As a result the website stated that my application was DENIED. Ok, no problem. 


However, a few days later I received a voicemail from Capital One, suggesting that " a credit application was made by someone using my personal information '' and I should call their Fraud Dept XXXX XXXX XXXX XXXX to discuss this concern. Even though I thought I was finished with this issue, I did return the call and spoke with a woman at that number, confirming that I had filled out an application, but it had been DENIED. She said that if I sent XXXX forms of ID to the company, it could be processed. I clearly told her [ this conversation was recorded by the company ], that I did not care to send in that information and I DID NOT WANT THIS CREDIT CARD. Case closed, right! 


Today, XX/XX/2021, I received a Credit Card in the mail. It was from Capital One, but lacking any information regarding the cash offer. Calling the company at XXXX XXXX XXXX XXXX, I complained about the unsolicited card. I was told by the representative, XXXX, that the account was open, that I HAD applied for it, but it was " restricted '' until I sent in XXXX forms of ID. REALLY??? I requested that this account be closed and without reporting it to the credit reporting agencies, since I had not approved the application. I was informed that was not possible. 


It is my understanding that an unsolicited credit card is an illegal action, according to Regulation Z, the Truth In Lending Act. I do not understand how a website saying Application Denied, along with a phone conversation saying I did not want the card have become such a hassle for me? What does this company expect from an elderly, old school lady, following their error in issuing a card? How can Capital One not offer to cancel this unwanted card and also maintain my stellar credit rating - by not reporting their error - as a measure of good will or simply as the right thing to do? 


Please advise how to finalize this unfortunate and time wasting issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Description sent to the FBI and FTC I am currently unemployed and applied for a job using XXXX on XXXX. It was XXXX XXXX  XXXX XXXX position at a XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ). On XXXX I received an email response and was invited for an interview via XXXX with XXXX XXXX. She offered me the job, sent me paperwork to sign, and said they would be purchasing a computer and equipment for me to use. They sent a XXXX  check for the equipment in the amount of {$4800.00}. The checked looked very professional so I deposited it. I've been out of work for soo long and was very excited to get started. They said the check would take 2-3 days to clear, so I offered to use my money to pay the local vendor while their check clears. I went to the bank, got a cashiers check and used it to transfer {$4500.00} to the account they said was their local vendor, who would put everything together and would deliver. The vendor Mr XXXX XXXX texted me and asked to verify my address for the delivery. Meanwhile they asked for a picture of my driver 's license for a background check and had me email it to XXXX When I started getting suspicious I found out the address on their check is the same address for a liquor store in Illinois. I asked XXXX to respond to a XXXX connect/message to verify her authenticity, XXXX XXXX repeatedly assured me that she would, but I never received a response from the real XXXX XXXX on XXXX. Before the interview, I looked up the XXXX Job description but the page was not there. I thought the employer simply stopped taking new applicants. XXXX took down the page and left no warning for me or others. Chase bank lifted the hold on the deposited check and rejected the transfer due to the account being closed. They would not reverse the {$4500.00} transfer either. Furthermore I received a call on XXXX from a real estate agent XXXX of XXXX Georgia asking for a XXXX who had registered my phone number on a XXXX ad. It's a very odd coincidence, hopefully nothing but I am now afraid someone is using my identity. 

The reason I am reporting this to the FBI is that it involves more than one state. I live in California, the check 's address is in Illinois, XXXX is in XXXX Virginia, XXXX is in XXXX XXXX or at least that's where their phones originate from. The communication was through email, XXXX, and text messages from 2 phone numbers ( XXXX XXXX Virginia XXXX ) and ( XXXX XXXX - XXXX XXXX XXXX XXXX ). 

Please Note the XXXX account is still active and I am still getting responses. It is possible to trace a XXXX IP address using a XXXX machine and running a trace route using XXXX command prompt. All I would need to do is allow you access to my XXXX account and you could find this person 's IP address. 

I contacted chase and they are unwilling to help me retrieve my lost money from : Bank Name : Chase Bank Account a name : XXXX XXXX Account Number : XXXX Routine Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24 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: UT

Complaint narrative:
My ex husband while we were legally separated tried to file bankruptcy twice with my name on it and I didnt know about it, agree or sign anything and it is showing on my credit report and I tried to dispute it and it wont give me a reason why they are keeping it on my credit just saying it will stay on there. This is preventing me from renting an apartment and buying a car. Along with it not being legal or right for this to be on my credit. There is a chapter XXXX and XXXX showing dismissed.

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 2021-03-24 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: FL

Complaint narrative:
1. Interested in purchasing cryptocurrency. CashApp based in XXXX XXXX, CA ADVERTISED ease of buying Bitcoin, as well as transferring the cryptocurrency to others or your own wallet for free. 2. WAS easiest method I have found to buy Bitcoin, true. Starting XXXX, added {$250.00} to CashApp, and continued adding $ and buying BTC over the next couple months, worked GREAT, SUPER HAPPY. XXXX. NOT TRUE was that you could transfer the BTC out whenever/wherever you liked. 4. CashApp REALLY wants you to keep 'your ' Bitcoin with them, NOT transfer it out. When you try to transfer BTC, they block you from doing so. ( DO NOT SAY any message like that, just that the 'transfer failed '. IT DIDN'T 'FAIL ', CASHAPP BLOCKED IT. ). 4. When you ask why they blocked transfer, they cancel your account. 5.They offer no explanations, do not answer direct questions in support forums, whether email or chat, and have NO phone contact. 6.So, instead of transferring MY BITCOIN to MY WALLET, I had to sell MY BTC in order to transfer it out of the closed CashApp account back to my bank account. ( XXXX cashed BTC out. ) 7. When I went to transfer the cash balance ( {$3000.00} total ) back to my original back account, I was limited ( by Florida statutes CashApp said ) to only {$3000.00} per week, or something. OnXX/XX/XXXX, I transferred {$2500.00} back to the bank account successfully ( after a week or so to show up ). 8. Then when I went to transfer the remaining {$580.00} balance, CashApp blocked me doing so,. ( AGAIN, there is NO explanation given when the app does so, it just 'does n't work ' ) .9. After contacting CashApp support, they declared my account THEY TOOK ALL MY MONEY FROM was somehow 'fraudulent ', and they were demanding I link ANOTHER ACCOUNT to them in order to transfer out the remaining {$580.00} OF MY MONEY. 10. GIVEN how they had lied to me, and were trying to steal my money, I wrote back that there was NO WAY I was going to link a new account to them, and to either send it back to the bank account they were very happy to take it from, or issue me a paper check for the {$580.00}, but NO WAY I was linking a new account to those lying snakes. They did NOT answer that email or any subsequent emails telling them the same fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CA

Complaint narrative:
TO PROVIDE METHOD OF VERIFICATION I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by XXXX, Transunion, and Experian agencies in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) ( 7 ) filed with Federal Trade Commission to be more specific, based on the FCRA 611 ( a ) ( 2 ) ( B ), Transunion, XXXX, and XXXX  were required to forward all the relevant information provided by Transunion, XXXX, and XXXX to the creditor for their investigation of my dispute. Please provide me a complete copy of all information that was transmitted to the data furnisher as part of their investigation, as requires by FCRA 611 ( a ) ( 7 ) : What certified documents were reviewed to conclude their investigation? Who did they speak with? What was the date? How long was their conversation? What was their position? What number did you call? What is the name of the employee that spoke directly to the creditor? What is the position of the employee that spoke to the creditor? This inaccurate reporting has caused me to serve financial and emotional distress. Please reply within 14 days to the above questions and delete the following items! 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-24 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 — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have wellsfargo credit card. 

Last month I had same balance and charge less for so called " interest fees ''. 

On XX/XX/21 Wellsfargo charged INTEREST CHARGE ON CASH ADVANCES {$78.00} now this month they charged on XX/XX/21 INTEREST CHARGE ON CASH ADVANCES {$96.00}. 

They can not pick and chose whatever interest fees they want. In addition last month my balance was more and they charged less. 

This predatory interest charges. 

Please see attached so you can see the discrepancy.

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 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bliksum, LLC
State: CA

Complaint narrative:
I received a bill for what appears as an open account-mortgage secure loan for a company called loanme. The transaction date is listed as XX/XX/XXXX in the amount of {$1100.00}. It also has a pas due payment amount of {$1600.00}. It also stated that the current payoff good until XX/XX/XXXX of {$1800.00}. Account number XXXX. 

I have not done any business with this company since bk XXXX. I do not have a mortgage and I do not know what they are talking about.

Company response to consumer: Closed with explanation