vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 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: MN

Complaint narrative:
On XX/XX/2021 there was a fraudulent transaction from my account issued to a XXXX in the amount of {$6000.00}. " XXXX '' was an ex-boyfriend who apparently had stolen my phone and sent the money to himself after turning off my notifications to my number and changing his cash tag to XXXX from XXXX. I immediately contacted cash app and inform them of the fraudulent transaction and they had me fill out the normal paperwork and said that in 10 days they would give me an answer after multiple times I'm trying to reach out to them through phone calls emails and chat messages I was able to get nothing resolved until far after the time to which they informed me that it was a non fraudulent transaction because said " XXXX '' and I had previous transactions. I also inform them that this XXXX had changed his name and had also deactivated his cash app account immediately after he did this. I tried to reach out to them again and explain to them that this was not an authorized transaction there had never been any transactions anywhere close to the amount that about that night the biggest transaction was {$600.00} that he paid to me for a broken TV and yet they still to no avail would do nothing about it and told me that their decision was final {$6000.00} is a lot of money to lose out on due to cash apps negligence and failure to protect me and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Issues with Equifax 's reporting on XXXX : Account has too many inconsistencies which is being reported inaccurate. 
Unable to show method of verification for this company Does not provide sufficient information on this company Has NOT conducted a proper investigation per the last date of activity The ONLY reporting agency showing this company on my credit report while XXXX and XXXX is NOT reporting. 
Inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
One of the many times my mortgage has sold it was sold the last time to TRUIST... It has been a nightmare ..payment jumped about 150 per month they said ( After a 90 minute wait on the phone ) that taxes and homeowners insurance had gone up... It didn't add up since insurance had only gone up 200 or so for the year total ... and tax assessment was the exact same as before. Since I had read that tax RATES would probably go up this year I let it alone ... Today I get a notice that the homeowners insurance will be cancelled since Truist has not paid the premium. Now Monday I can take off work pay the XXXX out of pocket ... and MAYBE get it back from Truist from the escrow or just let them keep it I suppose ... .Even if I do get it back it will be months.One wonders if Truist would give any of us XXXX interest free for a couple months. This would not be happening if mortgage companies were not allowed to sell and resell mortgages. It causes a ton of confusion but why would they care? The consumer spends the time trying to work it out.HOW is this not fraud??

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 2021-12-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I had purchased concert tickets and then discovered that the website was unofficial. I then informed my previous bank of what had occurred, and they had filed it as creditable. After showing them proof that it was not fraud, I opted to delete my account with them, but they continue to send me paperwork that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX MoneyLion withdrew {$9.00} for membership fee. 
On XX/XX/XXXX MoneyLion w/drew {$44.00} for loan repayment amount. 
On XX/XX/XXXX XXXX w/drew {$310.00} for instacash repayment. 

This was AFTER I had advised in advance I lost my job the month before & cud not cover these charges. 

My bank XXXX charged {$34.00} for each of the 3 overdrafts. MoneyLion promised to deposit funds within 3-5 days on XX/XX/XXXX. Several emails later theyve asked me twice to verify my bank account & identity. Theyre wasting my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a letter to Equifax, XXXX, and XXXX on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: GA

Complaint narrative:
Disputed a collection debt on XX/XX/XXXX directly with debt collector company and asked for validation/verification of debt. Disputed with Experian XX/XX/XXXX. Collection came back as validated on XX/XX/XXXX with no explanation on how the debt was validated with Experian. The company XXXX XXXX XXXX did not provide me with requested documentation by XX/XX/XXXX. They cant because the company they are trying to collect on was shut down by CFPB in XXXX for fraudulent practices so theres no way the collection was legally validated. I received a settlement check from CFPB. Dates being reported by debt collector on credit report are inaccurate. Debt collector is illegally trying to collect on a debt deemed fraudulent by CFPB. Nothing was changed by disputing.

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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In XX/XX/XXXX and XXXX of XXXX, I had two late fees assessed to my PayPal Credit account. I called in XXXX and spoke with a representative who waived the fees, and because I was sick, brought the account current for these months, informing me I would be reported to the credit bureaus as on time for these months. 

In XXXX, I had my credit pulled to get pre-approved for buying a house, and the late payment status was still on the account for these two months. I called Synchrony again, and spoke with a supervisor, who said they would fix the issue, and that I never should have been reported as late. They informed me that it would take about 30 days to fix, and that I would receive a letter in the mail. 

About 60 days later, I still had not received a letter, and the status had not been corrected. I called Synchrony once more, and spoke with another supervisor. He informed me that Synchrony was reporting these payments as on time, but for some reason, the credit bureaus were not updating it. He entered another request to fix it, telling me it would take 30 days again. He verified my mailing address, and said I should receive a letter this time. He also recommended I enter a dispute through the credit bureaus on this issue. While it has only been a couple weeks since then, I have not yet received a letter. 

I entered a dispute on this issue through XXXX, but instead of the two late payments being removed, a THIRD late payment was added in XXXX of XXXX, and I made my payment on time for that month. 

I called Synchrony about this, and spoke with a third supervisor, who didnt even care there was an issue. She simply read one of the letters I never received verbatim, and then hung up. 

I want these false late payments to be removed from my credit report, and I want to be compensated for the time invested and stress Ive had to deal with during this issue.

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 2021-12-11 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
When I went to pay my monthly payment I saw that there was a charge for {$140.00} to XXXX that I never made. I did order headlight bulbs and a passenger mirror for my wifes XXXX on XX/XX/XXXX for {$84.00} paid from my checking account via XXXX. I haven't ordered from XXXX after that and the nearest order previously was on XX/XX/21 for {$110.00} for tie rod ends for my truck. I never ordered anything on XX/XX/XXXX and I never recieved anything and there's no history of that in my account. Chase stated they " found no evidence of billing error.. '' and '' The charge will remain on your account '' I'll attach the letter signed, XXXX as evidence along with everything I sent Chase as they requested. 

Weeks from getting the denial letter from Chase signed by " XXXX '' I went to pay my bill and saw multiple fraudulent charges to " XXXX '' and XXXX cash cards. Credits and returns for $ XXXX. Several. And then they got right on it apparently, but the {$140.00}, not so much. I've still seen no credit for this. Despite everything I've seen zero evidence in my account that this has been credited back to me and all the interest withdrawn. They haven't done anything but shine me on with this XXXX charge. They refused to give me a transaction reference number and then later acted as if it was credited with the XXXX fraud. But it wasn't and still isn't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES LISTED.

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 2021-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I tried many times contacting my XXXX XXXX and XXXX loan place that my car loan is through via email and phone during the COVID-19 pandemic and I left messages too. No one wanted to help me with my car loan since I was layed off of work. 

Not to mention I have waited since XXXX for unemployment benefits that are in the rearrs of about {$10000.00} now that is owed to me and I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
You guy record me as i owed a debt with amount of XXXX XXXX and payment status is collection/charge off ( account status : derogatory ). Date reported : XX/XX/2021. The original lender is XXXX XXXX XXXX But the fact is that ive never been in that XXXX XXXX XXXX place before! I dont know what is it and where is it location! So why did i owed that lender a debt with the amount of XXXX XXXX? I dont know whats going on?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied for a American express business platinum card in mid-XXXX  while I was visiting XXXX. The site stated it would award XXXX membership reward points. Meanwhile, American express sent me a solicitation email promising to award XXXX points. I called AMEX and sent all the required documentation. I didn't hear from AMEX. I called after a month and explained and provided more details. I didn't hear anything. I called again and was told the solicitation was not meant for me. How is it possible when the letter is sent to me. I was promised I will receive an email within a week. So far I haven't received any email. I am contesting, AMEX 's argument that it was not meant for me. In that case why did it send me the mail, wasted my time, and resources to shred the letter. AMEX is ingenuous about the whole situation and trying to stiff the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was in Bankruptcy from XX/XX/XXXX until XX/XX/XXXX. I have clear bankruptcy and been discharged but the bureaus show the report as being a new bankruptcy account instead of it being cleared and closed. This cost damage to my credit score and the all credit reporting agencies need to correct this issue immediately.

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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was in Bankruptcy from XX/XX/XXXX until XX/XX/XXXX. I have clear bankruptcy and been discharged but the bureaus show the report as being a new bankruptcy account instead of it being cleared and closed. This cost damage to my credit score and the all credit reporting agencies need to correct this issue immediately.

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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was in Bankruptcy from XX/XX/XXXX until XX/XX/XXXX. I have clear bankruptcy and been discharged but the bureaus show the report as being a new bankruptcy account instead of it being cleared and closed. This cost damage to my credit score and the all credit reporting agencies need to correct this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I Brought It To " Citi 's '' ATTENTION Upon XX/XX/XXXX That MY UNSCHEDULED PAYMENT Of {$110.00} Made On XX/XX/XXXX HAD NOT POSTED TO MY XXXX CHECKING Which Ends In XXXX. 
( My CREDIT CARD PAYMENTS ARE DUE UPON THE XXXX Of Each Month ). 
During This Call, It Was Discovered That Citi Had Attempted My PAYMENT Of {$110.00} From A Different CHECKING In Which I HAD ALREADY CLOSED, And Ends In XXXX With XXXX ( I WOULD NOT MAKE ANY PAYMENTS FROM A CLOSED ACCOUNT! ) " Citi '' Recovered The PAYMENT from The CORRECT CHECKING ACCOUNT During My Call Upon XX/XX/XXXX. 

The BANK Error Is Now Being Deemed As A, " BAD CHECK. ''??? Citi Has Also Attached A {$29.00} Fee That Two Different Representatives Agreed To REMOVE : A, " XXXX '' Upon XX/XX/XXXX ; AND A, " XXXX '' XXXX. 
THE " BAD CHECK '' FEE OF " XXXX '' DOLLARS IS STILL INCLUDED IN MY CURRENT BALANCE. 
There Is A Difference Between " BAD CHECK, '' And WRONG ACCOUNT.

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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Following Only 2 Addresses are associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex _____________________________________________________________________ Please correct the following, prior to filing FCRA lawsuit against Experian CC. Law Offices XXXX XXXX XXXX Following Addresses and Phone Numbers are NOT associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ID XXXX XXXX Single family _____________________________________________________________________ Phone Numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular _____________________________________________________________________ I did Not apply to XXXX XXXX it was obtained without my permission XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX, MN 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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Following Only 2 Addresses are associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex ====================================================================Following Addresse is NOT associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX ================================================================== I did not apply to this merchant this unauthorized by TransUnion XXXX XXXX XXXX XXXX XXXX XXXX GA 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 non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Following Only XXXX Addresses are associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex ====================================================================Following Addresse is NOT associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX ================================================================== I did not apply to this merchant this unauthorized by XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
Im a 100 % service connected vet. They are preventing me from owning a house with their lose tactics. The original amounts was {$1000.00}, theyre are trying to get me to pay {$2200.00}. I can solve this problem with ease, but Im XXXX XXXX XXXX XXXX XXXX XXXX. So this is me trying not to. But I dont see no movement, Ill assume you gave me the green can to. On XX/XX/2021 I sent a letter of validation to LVNV Funding to verify and or remove the debt, they responded by raising it. This tactics should not be allow, they have no legal claim to collect the debt, please help me or or Ill use all my military experience to go there and make this evil stop myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES LISTED.

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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES LISTED.

Company response to consumer: Closed with explanation