vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: ID

Complaint narrative:
I tried to send {$2000.00} to my friend through Cash App on XX/XX/2020. On my end, it showed that the payment was completed and the money had left my bank account. However, on the end of the recipient, it showed failed. The recipient contacted the Cash App and was told the transfer had triggered an alert. They suggested me to dispute the transaction with my bank and they have refunded the {$2000.00} back to me. So I called my bank and disputed this transaction. However, after the investigation from my bank, Cash App told my bank the transfer was completed and rejected to refund. They even closed my Cash App account after that. The recipient 's account was closed as well. I tried to contact customer service multiple times to ask for evidence of whether the money had deposited to the recipient 's account that he had free access to the fund. They never showed me any proof just told me to reach out to my bank or let the recipient contact them about the fund. The money was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received a preapproved loan/letter from XXXX  XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX XXXX, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit check.

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 2021-03-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I received a preapproved loan/letter from XXXX XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX pm, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: NV

Complaint narrative:
I received a preapproved loan/letter from XXXX  XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX pm, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit check.

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 2021-03-10 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal Credit Union issued my wife a credit card under my account in XX/XX/XXXX while I was on XXXX on a XXXX. I did not add her as an authorized user and had no ability to do this as I was disconnected from the outside world. When she used this card for the last time in XX/XX/XXXX I reported it as fraud and they removed that specific charge but they will not acknowledge all of the other charges as fraud. These charges are as follows : XX/XX/XXXX - {$37.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$33.00} XX/XX/XXXX - {$15.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$23.00} XX/XX/XXXX - {$39.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$360.00} XX/XX/XXXX - {$41.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$56.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have bought ( financed ) a used car from Toyota dealership of Downtown XXXX XXXX in XX/XX/2020. 
Along with the car I bought the extended warranty that costs {$2000.00}. On the next day after purchasing the car I have decided to cancel the warranty. I have emailed the warranty issuer and personally visited the dealership office of Toyota Downtown XXXX to notify about my desicion. 
They said the warranty will be cancelled and I should receive the refund of {$2000.00} within few weeks. The refund amount should have been applied to my principal balance. 
However, it's been already over 5 months and I have not received the refund. 
I have tried to contact Toyota financial services multiple times but every time they said my refund is on the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CA

Complaint narrative:
This account is not mine I have not signed or applied for this it does not belong to me : XXXX XXXX XXXX XXXX - Acct XXXX Amt {$0.00} Opened XX/XX/2009 2009

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, a debt collect agency, specifically Convergent Outsourcing, placed a collection on my credit report in the amount of {$980.00}. I immediately called Convergent and was informed by Convergent that the debt was not in my name, XXXX XXXX, but instead was listed under XXXX XXXX. Convergent initially refused to discuss the debt with me stating, 'the debt is not in your name, therefore we can not discuss someone else 's debt. ' I explained to the Convergent rep that I'd been a victim of identity theft and demanded the immediate removal of the account from my credit report. 

After demanding to speak with management, I was transferred to XXXX XXXX. XXXX requested a copy of my Identification and social security card stating she needed it to clear the debt from my credit report. I sent XXXX the documents requested. XXXX then, without my permission, shared my identifying NON PUBLIC information ( photo ID and social security number ) with the original creditor. 

Several days later I received an emailed letter from Convergent Outsourcing, under the name XXXX XXXX. The letter stated that the collection would be removed from my credit report and it was removed days later. 

Consequently, Convergent Outsourcing has since indulged in DECEPTIVE TRADE practices by attempting to use the identifying information requested from me to place the illegal account, which does not belong to me back on my credit report. 

It is well settled that Convergent Outsourcing did not have in their possession adequate or accurate information to place a delinquent account on my credit report and after being informed the information they had on file did not match my identifying information, Convergent participated in fraud by obtaining my identifying information, sharing it with an unknown creditor and attempting match the or transpose the identifying information which would facilitate Convergent in willfully and fraudulently placing the fraudulent account back on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TX

Complaint narrative:
I previously disputed a XXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with Equifaxs or XXXX 's claims that theyve investigated this item. On my last certified dispute letter to Equifax dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof. Equifaxs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Equifax should delete this negative information. It has been a terrible experience dealing with Equifax. I have maintained a careful record of my communications with Equifax for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX  not remove this account from my Equifax credit reports. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TX

Complaint narrative:
I previously disputed a XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with Equifaxs or XXXX XXXX 's claims that theyve investigated this item. On my last certified dispute letter to Equifax dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof. Equifaxs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Equifax should delete this negative information. It has been a terrible experience dealing with Equifax. I have maintained a careful record of my communications with Equifax for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX XXXX and Equifax not remove this account from my Equifax credit reports. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to XXXX XXXX XXXXXXXX And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From XXXX XXXX XXXX XXXX Consumer Report and ChexSystems Consumer Report. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to Bank Of America And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From My XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: AZ

Complaint narrative:
This item is for RentDebt Automated and the original creditor is XXXX XXXX XXXX with a balance of {$3600.00} is inaccurate because by law, I can break a lease agreement. Under the Servicemembers Civil Relief Act, ( 50 App. U.S.C.A. 535 ) a military member who receives orders to move or deploy can break a lease agreement. I gave a 2 ( two ) month notice and provided a copy of my military orders to break my lease. They continued to charge for 3 more months of rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I previously disputed this JPMCB Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with your JPMCBs claims that theyve investigation this item. On my last certified dispute letter to JPMCB, I requested that they mail me the proof of their investigation within 30 days. It has been more than a year and they have not mailed me the proof. JPMCBs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, JPMCB should delete this negative information from all my credit reports. It has been a terrible experience dealing with JPMCB. I have maintained a careful record of my communications with JPMCB for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should JPMCB not remove this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Hello, to whom it my concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I would like to thank you for the opportunity to address my concerns regarding Law Offices of XXXX XXXX XXXX, XXXX. representing Mountain Land Collection. ( Debt collector ) This 3rd party law office has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) On 2/25/2021 I ( consumer ) have received a Statement in the mail referring to an allegation of an alleged debt from this debt collector. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) During this initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) This Debt collector has communicated with me at an unusual place without prior consent from me, which I would like this Law office to provide me my writing consent of such action. If request can not be provided this will be an illegal action of 15 usc 1692C ( a ) This so could law office has harassed me to coerce payment on a debt they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This Debt collector has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt and ceased communication on 1/29/2021 to Mountain land collections inc, and still have not received the 5 validation request I asked for, in fact this law office has claimed the Original creditor was epic Emerg Phys integrated which I ( consumer ) was the original creditor. This is a violation of 15 usc 1692g ( 5 ). Debt collector is still commutating with me after i have cease communication with them. this is a violation under 15 usc 1692c ( c ) I have received statement via mail from Debt collector disclosing symbols, which in fact disclose they are in the debt collection business, which is a violation under 15 usc 1692f ( 8 ) debt collector has furnished unlawful information portraying to a collection on my consumer reporting file without my consent. Im am very stunned with this law office breaking the law to coerce payment for their benefit to Undermine the consumer. I will be taking legal proceeding if action is not done to my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal has closed or in their words permanently limited my account. W They have been no help to assist me with the issue. I was made aware that I can file a complaint here so hopefully this makes a difference. My email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
This complaint is in response to an additional issue with our mortgage servicer NewRez dba Shellpoint as we just received an additional document this week on XX/XX/XXXX. 

On XX/XX/XXXX, we received a mortgage statement from NewRez DATED XX/XX/XXXX with a PAYMENT date of XX/XX/XXXX, XXXXwith a Payment due amount of {$810.00}. This statement was inconsistent with Official Form 410S1 filed on XX/XX/XXXX with the United States Bankruptcy XXXX for the XXXX XXXX XXXX North Carolina by XXXX XXXX XXXX of XXXX XXXX XXXX on behalf of NewRez. Official Form 410S1 stated that beginning XX/XX/XXXX our mortgage payment would be {$940.00}. 

We had previously received a Mortgage Statement DATED XX/XX/XXXX with a PAYMENT date of XX/XX/XXXX which stated our payment amount was {$920.00}. 

We were issued two statements with a XX/XX/XXXX, XXXX due date, with two different Escrow payment due amounts. 

Furthermore, on XX/XX/XXXX we received a letter due to our previous CFPB complaint from XXXX XXXX of the NewRez Compliance Department. Please see this letter that was sent to us through the CFPB portal and attached in this current complaint. 

XXXX XXXX letter was inconsistent with Official 410S1 filed with the United States Bankruptcy XXXX for the XXXX XXXX XXXX North Carolina by NewRez and the Mortgage Statement we received dated XX/XX/XXXX. 

We demand these complaints below to be answered in their entirety. 

1. Why did we receive two Mortgage Statements with a Payment due date of XX/XX/XXXX and why did the statements show two different escrow amounts. 

2. As Official Form 410S1 was filed by NewRez with the bankruptcy court and which stated our new mortgage payment would be {$940.00} beginning XX/XX/XXXX, why did Ms. XXXX state in her attached CFPB complaint response, state that our payment due for the XX/XX/XXXX installment in the amount of {$830.00} less the {$25.00} in unapplied funds from the return payment fee being waived? 

3. As Official Form 410S1 states that our payment beginning XX/XX/XXXX, XXXX would be $ XXXX how did did Ms. XXXX XXXX the new payment amount of {$830.00} beginning XX/XX/XXXX and why does this directly contradict Official Form 410S1. 


4. Why is the ESCROW DUE AMOUNT on our Mortgage statement dated XX/XX/XXXX, XXXX show an ESCROW PAYMENT DUE OF {$240.00} 33 however Official Form 410S1 filed one month prior states the ESCROW PAYMENT DUE is {$350.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation