vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc.
State: IN

Complaint narrative:
Eagle Account group is trying to collect the wrong amount this is the wrong price and i don't owe the price that they have listed so since that is inaccurate they need to delete this as possible

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 2019-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I sent {$85.00} to my coworker on XX/XX/XXXX. 

Coworker accepted the funds which were transferred out of my bank account immediately. 

Co-worker advised she could not transfer the funds to her bank account because it needed to be verified. 

I was also forced to verify my account again despite having verified it before. 

Coworker requested that I give her cash for payment because she needed it ASAP. I gave her cash and requested a refund through the CashApp. I was denied multiple times. 

I contacted the cash app support multiple times, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refused to help me other than tell me that coworker needs to verify her account. 

Co-worker advised that she has verified her account including sending a copy of her lisence, debit card, and a photograph of herself with her debit card. 


However, she advised that cash has decided to close her account down as of yesterday where she can no longer send or receive payments. 

So, it looks like CashApp has stolen {$85.00} and I would greatly appreciate any assistance with this matter, especially if they are scamming other users, because I have no desire to promote a company that does this to their users. 

Please advise at your earliest convenience. 

I do have documentation of all of these transactions if needed. 

Sincerely, Concerned CashApp User

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I found the same debiting of my TD Bank. Checking account. They paid on an item XXXX XXXX XXXX for {$1.00}. There are a lot more. The bank said they could not do anything. 16 + I haven't finished going through the statements I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
Awhile back I got a letter from select portfolio service. I looked at the payoff and was told I would have to come up with XXXX for the principal to pay off house. This didn't make any sense since I borrowed XXXX in XX/XX/XXXX and kept the payments up until XX/XX/XXXX. So I asked for a loan modification with XXXX XXXX XXXX. In XX/XX/XXXX I was given a loan modification. Then my loan servicer was dropped and I had a new servicer select portfolio select. They kept jerking me around for months and like 50 letters from SPS until I got them to take care of this and let me make a payment. So I started my payments and got print out of my loan balances. That letter stated I could pay the loan off with XXXX. So I called and said my payoff with XXXX was XXXX. So why do I owe more after 13 years of payments. They can't explain why I owe so much. I realize my year of missed payments was put on the end of the loan .I had planned on refinancing and getting rid of this SPS servicer. I can never get a straight answer or the same answer and after I call I get a letter explaining they are there for me. I had one time I called and was told not to look at the principal amount because it was wrong and needed figured out. If it wasn't for my wife and kids I would just walk away. Who says mortgage holders want the money and not the house. I feel they want the house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft : EQUIFAX HARD INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX, FL XXXX ( MAI ) L O-NLY COLLECTIONS : - XXXX XX/XX/XXXX {$360.00} - None provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX HARD INQUIRIES : - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX, OH XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft : XXXX HARD INQUIRIES : - XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX   XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX, FL XXXX ( MAI ) L O-NLY COLLECTIONS : - XXXX XX/XX/XXXX {$360.00} - None provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX TRANSUNION HARD INQUIRIES : - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, OH XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft : XXXX HARD INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All XXXX XXXX XXXX   XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX, FL XXXX ( MAI ) L O-NLY COLLECTIONS : - XXXX XX/XX/XXXX {$360.00} - None provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX HARD INQUIRIES : - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX EXPERIAN - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX - XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 non-monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Under the FCRA Part ( A ) ( 5 ) ( ii ) all credit bureaus XXXX, XXXX, and XXXX failed to provide me in writing of any sort stating that old alleged debts would be permanently added to my credit report. They did not comply with 5 day notice actually zero notice.This has dramatically impacted my credit score and disabled me from rebuilding my credit.

They continue to add the alleged outdated debts to all my credit reports with zero notification and I am formally requesting that all credit bureaus follow the rules to protect us consumers and effective immediately remove permanently the alleged aged debts without providing any notification. They are both from Portfolio Recovery in two seperate amounts the first one being in the amount of {$680.00} and {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under the FCRA Part ( A ) ( 5 ) ( ii ) all credit bureaus Equifax, XXXX, and XXXX failed to provide me in writing of any sort stating that old alleged debts would be permanently added to my credit report. They did not comply with 5 day notice actually zero notice.This has dramatically impacted my credit score and disabled me from rebuilding my credit.

They continue to add the alleged outdated debts to all my credit reports with zero notification and I am formally requesting that all credit bureaus follow the rules to protect us consumers and effective immediately remove permanently the alleged aged debts without providing any notification. They are both from XXXX XXXX in two seperate amounts the first one being in the amount of {$680.00} and {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
In 2013 I open a card with Continental Finance for a XXXX XXXX card. I defaulted on the card and it was eventually closed with comments on my credit report of " Profit And Loss Write-off '' The account was never assigned to an agency for collection efforts nor was it purchased by a debt buyer. Based on the comments on my report indicating it had been written off, it is my concern that the company is still reporting a balance of {$650.00}. In an effort to make good on the account I have contacted the company on multiple occasions in an attempt to settle the account and or set up a payment plan. Everytime I have spoken with someone I have been advised that the account was " closed '' and that they would need to have the account " reactivated '' in order for them to assist in providing me with a settlement offer and or payment arrangement. When I asked them why and what the balance is the response I get is that on their end the account is closed and there is no balance which is why they need to reactivate it. If this is true then why are they reporting a balance on my credit? Just this week I was able to get clarification that the account was in " limbo '' and with the " client services '' department who are in charge of deciding what to do with the account. I asked to speak with them and was transferred to a phone line that rang 20+ times before hanging up. I have disputed this via the credit bureaus and they have done nothing and I have made every effort to try and rectify with the company directly. At this point this account is causing me stress and could potentially prevent me from qualifying for the rate I want to refinance my home. Based on my lenders credit simulator this account could potentially raise my score 24 points if it were updated to the correct {$0.00} balance since it was already " written off ''

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 2019-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
XX/XX/2015 I closed on a loan and Loancare was the servicer. They have taken from me for property taxes XXXX per year when they were only XXXX they also falsely reported my mortgage late and destroyed my credit report. I have written and request my money be returned. They pretend that they sent me a escrow check never have. Nor have they tried to fix the escrow overage they took by returning to me. Now I have received a hardest hit grant and they are trying to take a extra XXXX dollars pretending its a escrow shortage when they already owe me the XXXX overage they took from me making my payments much higher. I am asking that they not touch my hardest hit fund only for payment and return my escrow money that was taken for taxes that were inflated yet the money was not return to me. Please help with the matter. I have wrote in the past.

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 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Transunion I bought XXXX XXXX from a dealer 2016 I put {$1000.00} down paynent Obe month and half later they took tge car from my drive way.

I was workibg and able to make my payment.

No notice, no warning & took the with all my belonging.

I complained with the other 2 credit repirting companies & is corrected. Trabsunion refused to do so.

I need your help 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 2019-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I received a notification of my credit report dropping due to this debt. I had zero communication on this debt and who to contact to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of fraud with XXXX XXXX. I sent Transunion a ftc identity theft report, along with everything they requested to get this erased from my report. They first erased the account, and then put it on again!!

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 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In 2013 I open a card with XXXX XXXX for a XXXX XXXX card. I defaulted on the card and it was eventually closed with comments on my credit report of " Profit And Loss Write-off '' The account was never assigned to an agency for collection efforts nor was it purchased by a debt buyer. Based on the comments on my report indicating it had been written off, it is my concern that the company is still reporting a balance of {$650.00}. In an effort to make good on the account I have contacted the company on multiple occasions in an attempt to settle the account and or set up a payment plan. Everytime I have spoken with someone I have been advised that the account was " closed '' and that they would need to have the account " reactivated '' in order for them to assist in providing me with a settlement offer and or payment arrangement. When I asked them why and what the balance is the response I get is that on their end the account is closed and there is no balance which is why they need to reactivate it. If this is true then why are they reporting a balance on my credit? Just this week I was able to get clarification that the account was in " limbo '' and with the " client services '' department who are in charge of deciding what to do with the account. I asked to speak with them and was transferred to a phone line that rang 20+ times before hanging up. I have disputed this via the credit bureaus and they have done nothing and I have made every effort to try and rectify with the company directly. At this point this account is causing me stress and could potentially prevent me from qualifying for the rate I want to refinance my home. Based on my lenders credit simulator this account could potentially raise my score 24 points if it were updated to the correct {$0.00} balance since it was already " written off ''

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 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 2013 I open a card with XXXX XXXX for a XXXX XXXX card. I defaulted on the card and it was eventually closed with comments on my credit report of " Profit And Loss Write-off '' The account was never assigned to an agency for collection efforts nor was it purchased by a debt buyer. Based on the comments on my report indicating it had been written off, it is my concern that the company is still reporting a balance of {$650.00}. In an effort to make good on the account I have contacted the company on multiple occasions in an attempt to settle the account and or set up a payment plan. Everytime I have spoken with someone I have been advised that the account was " closed '' and that they would need to have the account " reactivated '' in order for them to assist in providing me with a settlement offer and or payment arrangement. When I asked them why and what the balance is the response I get is that on their end the account is closed and there is no balance which is why they need to reactivate it. If this is true then why are they reporting a balance on my credit? Just this week I was able to get clarification that the account was in " limbo '' and with the " client services '' department who are in charge of deciding what to do with the account. I asked to speak with them and was transferred to a phone line that rang 20+ times before hanging up. I have disputed this via the credit bureaus and they have done nothing and I have made every effort to try and rectify with the company directly. At this point this account is causing me stress and could potentially prevent me from qualifying for the rate I want to refinance my home. Based on my lenders credit simulator this account could potentially raise my score 24 points if it were updated to the correct {$0.00} balance since it was already " written off ''

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 2019-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
They illegally spoke with my father about the account in XX/XX/2011. He called to get the payoff without my permission, and they gave him details. I was in the process of having the loan discharged for XXXX   XXXX due to XXXX from my father trying to XXXX  me. Instead of taking the check from my grandmother as a payoff ( again it was my information, they had no right to discuss it with him at all ) they applied the payoff in payments and accrued interest. Now they're harassing me and my XXXX yr old grandmother about paying the interest they illegally and unethically accrued. I continue to send in evidence of my XXXX, continue to try to discuss the privacy breach, continue to try to discuss the misappropriation of the payoff, and they continue to call me a liar and harass 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