vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OR

Complaint narrative:
In the early morning hours of XX/XX/2021, someone broke into my car by smashing out a window and stole a bunch of my things including my wallet which they found under my seat. Inside my wallet was my debit card, issued by Cash app through XXXX Bank. Between the hours of XXXX XXXX XXXX  am that morning, my debit card was used to make a bunch of unauthorized transactions at multiple different retailers ( see supporting documentation for details regarding the transactions made ). I was asleep at the time, and my phone was turned off, but when I woke up at approximately XXXX that morning, I turned my phone on and received multiple text messages from cash app regarding the transactions. I immediately reported my card as stolen and marked all the transactions made as unauthorized. I was not able to contact Cash app support over the phone, but was able to contact them via they're in app support channel, as I was instructed to do when calling their support number. They let me know that they would be investigating the transactions and would contact me over email with the results. 

Eventually I received an email from cash app support that informed me they had concluded their investigation and decided the transactions made were actually authorized transactions and were made using my pin number. However, this is totally untrue! My card was stolen, and definitely was not the one using it at the register. Nor have I ever shared my pin number with anyone, and it definitely wasn't in my wallet or written on my card, so there is absolutely no way the thief would have known it. Furthermore, all the unauthorized transactions had not been immediately debited from my account, and were initially marked as pending transactions, meaning that they were not in fact debit card transactions requiring my pin, as cash app claimed, but would have been made at the terminal by electing to run the card as credit rather than debit. 
When I pointed this out to cash app, and sent them statements made in their own terms of service regarding the use of my card, I received no real response from anyone. In fact my last message to them went completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: FL

Complaint narrative:
reporting a 30 day late payment for XX/XX/XXXX on a CLOSED XXXX XXXX Mortgage account on my XXXX and Equifax Credit reports. 

I have a letter from XXXX XXXX dated XX/XX/XXXX that says clearly in ( black and white ) that I was never late for XX/XX/XXXX. 

Why is this still showing on my reports? I know it's old but it still is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
My identity was stolen in XX/XX/XXXX. In XX/XX/XXXX someone purchased a phone from a company called XXXX XXXX XXXX. This was fraud, I disputed it at the time. It went to collection in XX/XX/XXXX. The amount is {$1000.00}. The collection company listed on my XXXX is Security Credit Services in XXXX, XXXX XXXX I phoned them to let them know this is fraud, and they forwarded me to XXXX XXXX XXXX who they say owns the debt. Ive made them aware, and filed a dispute with XXXX. XXXX recommend I let the FTC know so they can help me as well. Please contact me with any questions XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TN

Complaint narrative:
I recently pulled my consumer reports and I seen that CBSA Collections reported a collection account for the amount of {$3400.00}. I have reached out to the company to verify the account, but it was to no avail. I am aware of my rights as a federally protected consumer pursuant to the Fair Debt Collection Practices Act. I challenge CBSA to provide the agreement between the organization and I under penalty of perjury which gives them the right to collect. I challenge CBSA to prove that they rendered any services or compensation to me, the consumer, in order for them to collect under penalty of perjury. CBSA 's failure to produce such proof is a violation to my rights under the fdcpa. I also want to bring awareness to CBSA that it is unlawful to furnish any information that would create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I challenge CBSA to prove otherwise under penalty of perjury. Otherwise, the organization shall remove all information from my consumer reports immediately. CBSA will be held liable for any violations to the consumer pursuant to the fdcpa.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. A BANK OF AMERICA CARD WAS OPENED UNDER MY NAME BUT IT DOES NOT BELONG TO ME. I HAVE DISPUTED THIS ACCOUNT SEVERAL TIMES AND UNFORTUNATELY NOTHING IS BEING DONE. WHEN I CALL CUSTOMER SERVICE AN ACCOUNT UNDER MY NAME IS NOT EVEN LOCATED I AM TOLD ITS AN AUTHORIZED ACCOUNT. THIS ACCOUNT IS NOT MINE AND I HAVE SENT ALL DOCUMENTS NEEDED TO PROVE THIS DOES NOT BELONG TO ME.

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 2022-01-07 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: MS

Complaint narrative:
Equifax is inaccurately reporting collections on my credit report. The balances are wrong and the date of last activity has been re-aged. It is a violation to re-age an account under FCRA 605 c running of the period,. Further more the company agreed to remove the account from my report. 

This inaccurate information is negatively affecting my chances of approval and is ruining my credit report and my credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX We discussed with a lady about helping us get a house. We continued to communicate and be in contact with the lady. On XX/XX/XXXX we sent the lady the {$1000.00} which was her fee for getting us the house through XXXX XXXX XXXX XXXX. On XX/XX/XXXX we were in contact. The last stated she would let us know once approved. I reached out on XX/XX/XXXX the last stated she should know something today and stated she would reach out to me. XX/XX/XXXX Asked the lady for an update and that I didn't hear from her the day before. She stated she forgot. She stated that she would get me approved. XX/XX/XXXX Lady stated she would call me, never received a call. XX/XX/XXXX reached out for an update. She promised she would call me never did. XX/XX/XXXX I requested me.momey back from her and she denied it. Reached out to cash app they requested I reach out to her. Then I reached out to Chime on XX/XX/XXXX regarding the incident. XX/XX/XXXX they gave me a claim number and stated someone would get back with me. They stated for me to explain what happened and attach documentation supporting my claim. XX/XX/XXXX they reached back out and stated they were denying me claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: FL

Complaint narrative:
I have attached reports of items that are not mine and are 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 non-monetary relief
Consumer complaint received 2022-01-07 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:
transactions being processed on atm machines same day and more than 1 withdrawal. I tried to look through the receipts and the ending balance does not make sense the amount in available balance before and after transactions differ from amount used. I believe their is more than 1 card for my account and it is a single person account with no authorized secondarys.

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 2022-01-07 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:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-01-07 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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Company Toyota motors : debt amount XXXX Account was open fraudulently I filed a complaint with identity theft I want this account removed from my report immediately my name was even spelled incorrectly it was opened XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
reporting a 30 day late payment for XX/XX/XXXX on a CLOSED XXXX XXXX Mortgage account on my TransUnion and XXXX XXXX reports. 

I have a letter from XXXX XXXX dated XX/XX/XXXX that says clearly in ( XXXX and white ) that I was never late for XX/XX/XXXX. 

Why is this still showing on my reports? I know it's old but it still is inaccurate.

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 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Around XXXX I started out with a credit line of {$5000.00} on a Wells Fargo Bank credit card. I used it and after paying the balance down to almost half around XX/XX/XXXX Wells Fargo reduced my credit line from to {$2400.00}. I called them to request that it be restored and was told by a representative that I had missed a payment in XX/XX/XXXX as the reason for the reduction. It was an oversight and actually the payment was about 45 days late when I paid it in full. The bank refused to restore my credit line. By the end of XXXX I paid the balance down to about {$1100.00} and on XX/XX/XXXX Wells Fargo reduced my credit line down to {$950.00}. Each time they reduced my credit line my utilization percent went up and therefore hurt my credit score. None of my other creditors have done this. 
How can a consumer be protected from this?

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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XXXX XXXX Portfolio Recovery Associates purchased my private information from XXXX XXXX Bank XXXX Portfolio Recovery is allegedly claiming that I owe them {$1500.00}. I do not owe this company nor do I have a contract with them for anything. Both Portfolio Recovery and XXXX XXXX Bank are in violation of consumer code 18 usc 1028a aggravated identity theft and 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CHOICE CAPITAL FUND
State: CA

Complaint narrative:
XX/XX/XXXX received loan totaling {$870.00}. Principal {$540.00} Fees {$320.00} Payments started XX/XX/XXXX, they wanted {$350.00} but I couldnt afford it so this is how I was paying. XX/XX/XXXX {$170.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$120.00}, then XX/XX/XXXX I started having hardships so they said I could start paying {$50.00} so thats what I agreed to. 
They emailed me a payment plan of {$50.00} going into the year XXXX. This is when I started emailing questions and not getting no replys! I have been looking through all emails, and I remember they sent me a balance why before my hardships and it was like {$500.00} something.white this pmt plain its back to {$800.00} something! Am I crazy or just misunderstanding!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Tesla, Inc.
State: IL

Complaint narrative:
I ordered a XXXXXXXX Tesla XXXXXXXX XXXX on XX/XX/XXXX. I paid a {$250.00} deposit. I was leasing a XXXX XXXX XXXX, purchased on XX/XX/XXXX. My goal was to trade in the XXXX for the Tesla, which I received approval to do so from XXXX. I received a Trade-In Offer for my XXXX from Tesla for {$29000.00} on XX/XX/XXXX, good for 30 days and no more than XXXX addition miles being added to the vehicle. I had XXXX miles on the vehicle as of XX/XX/XXXX. On XX/XX/XXXX I received an email from Tesla saying that my VIN was available. I received another email on XX/XX/XXXX to schedule my Tesla delivery appointment, to which I scheduled for XX/XX/XXXX. I received a new Trade-In Offer from Tesla on XX/XX/XXXX for {$30000.00}. My payoff quote from XXXX was {$26000.00}, giving me a net trade-in value of {$4200.00}. I took delivery of my new vehicle on XX/XX/XXXX, signing all applicable documents to include the Motor Vehicle Purchase agreement, Delvery Declaration and registration documents. I opted to apply the {$4200.00} towards the loan which is being financed by XXXX. I noticed approximately 2 weeks after I took ownership of the Tesla, my XXXX account was still showing that I had an account balance an a payment would be due. I called and spoke with representative who told me Tesla had not sent them complete payment and still owed nearly {$10000.00}. I asked how much was quoted to Tesla to buy out my vehicle. However the rep refused to disclose this information to me saying he could not tell me that information. He assured me that I would not be responsible for the payment and suggested I speak with Tesla to expedite payment. I immediately called Tesla, where I was told that XXXX gave Tesla a quote of {$26000.00} to buy out my vehicle 's lease. This rep assured me that they sent a total payment. The next day, my account balance was resolved with XXXX. Today, XX/XX/XXXX, I received an email from Tesla 's finance department stating that I had an outstanding shortage amount on my trade-in account for my XXXX XXXX. I was requested to make an immediate payment of {$9900.00} or failure to pay would delay registration and send the account to collections. I have included all applicable documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation