vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: MD

Complaint narrative:
Hello Someone made two unauthorized charges through CashApp   using my Maryland UI Benefit Card in XXXX. One was on XX/XX/XXXX for {$10.00} and initially went unnoticed. The other was on XX/XX/XXXX for {$600.00}. When I saw the {$600.00} I looked into it and requested a refund through the app but all that did was alert the person who made the charge that I wanted them to refund, which they immediately denied. I apologize for the following level of detail but I want to provide you with as much information as possible, in hopes of resolving the issue as fast as possible. 

Although this happened in XXXX, I have been trying to resolve the situation ever since, first with the bank through which the card was issued, then the Maryland Department of Unemployment,  followed by what seems like endless XXXX searches, trying to hit upon just the right set of search words that finally led me to this site. I have sent emails to show my efforts but received no replies from anyone I reached out to. 

Beginning on XXXX I began sending money to an individual I came to know as XXXX, after first communicating with her under the name XXXX. I came in contact with her online and purchased digital, XXXX XXXX with her ( pictures and videos ) on XXXX, XXXX, and XXXX with no issue. We communicated during the time and decided to meet in person on XX/XX/XXXX. In preparation I sent her another {$50.00} on XX/XX/XXXX which she was to use for dinner the next day, which she did. It is my belief that while we were together she took my phone without my knowledge and used it to access the same app and my saved credentials to send herself the {$10.00}, I believe as a test. The meeting took place without incident. Nothing more than meeting up was promised or took place. She suggested meeting up " just to put face to the name. '' Days later on the XXXX a payment was sent to her for {$600.00}. I don't believe she accessed my phone again although it is possible. She came to my house to return a magazine she " inadvertently '' took the day before and came and went while I helped my brother bring a bed into the house. Later I saw the charge and reached out to her and found she blocked me on every platform we'd previously talked. I contacted CashApp about a refund and at that time found out it's only course of resolution was to ask the the individual to send the refund and that unsurprisingly, she denied it. Since then I've had no contact with her in any way. I also reported her account to the owners of the site I first made contact with her, for which they thanked me and to my knowledge, deleted her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Eagle Accounts Group, Inc.
State: MI

Complaint narrative:
The friend of the court in XXXX, Michigan sued me for a debt that i know nothing about and still moved forward even after i asked them for the contract that i signed for the debt without them validating anything. This all started on or around XX/XX/2019. I have contacted them and told them of the mistake, but they still pushed forward. They never served me properly and never had a cause of action for the suit. They have falsely reported this on my credit report. They have slandered me publicly by putting my face on a wanted poster. They had my drivers license suspended all with no validation of anything.

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 2020-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: PA

Complaint narrative:
AR RESOURCES INC XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/2017 ( 2 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original Creditor Name XXXX XXXX {$2400.00} Highest Balance {$2400.00} I have no knowledge of this debt and affecting all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is reporting a balance due of {$9000.00} owed to XXXX XXXX. There is no balance due. I have even gotten a letter from XXXX XXXX stating no balance is due. The loan was a lease through XXXX XXXX The car was totaled by a driver who hit me in the real. My GAP insurance covered all the outstanding balances that the insurance did not cover. XXXX  and XXXX have reported on my credit the balance due is XXXX. Paid as agreed. Despite sending that information to Experian they have not hanged how they are reporting this. Its causing a big problem with my attempts to refinance my home. I need some help

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 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Letter was sent to Transunion dated XXXX in regards to permissible purposes Title 15 US Code 1681n. Transunion then sent a letter stating they could not find a consumer file for I the consumer, ( I also put a freeze on my credit report ) Transunion Never answered 15 USC 1681n. Transunion sent a letter to I the consumer dated XXXX stating they could not locate a file with the consumer 's name I then sent a certified letter to Transunion regarding method of verification XX/XX/XXXX received XX/XX/XXXX XXXX. Again Transunion could not locate a credit file. Transunion has violated several rights protected by the FTC. Transunion did not remove some items on my credit report that were discharged in a chapter XXXX bankruptcy. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Transunion pay for violations, I ask that Transunion execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of  America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.

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 2020-08-23 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: NJ

Complaint narrative:
No matter what I do Experian is constantly keeping my credit low. Not only are they keeping my credit low because I believe they want me to use Experian XXXX but they are recommending me to apply for certain credit cards which is dropping my credit even more because now I'm seeking credit. 

They are keeping my credit low but the reasons they are giving me are not correct. My file claims I have recent missed payments but in the descriptions it says 1. Your most recent missed payment happened Unknown I will attach this in a screen shot. What is " unknown ''? Screenshot # 2 2. They are dropping my score because I have paid down 61 % in 2 open loans that I have. One is a self credit builder loan which I owe {$220.00} and my other loan I am keeping open to build credit is {$950.00}. I have now paid both of these off because I guess having {$1100.00} in open credit is considered high risk? I can't win with this credit company. They are destroying my credit which is ruining my life at this point during a pandemic. Screen shot # 3 and # 5 3. Telling me to apply for credit cards which I should be able to get. But Once I do this they lower my score even more and then tell me a reason my credit is so low is because I am seeking credit. If I follow Experians advice they are lowering my credit EVEN MORE! Attached screenshot # 1 All of these new fico scroes are UNFAIR. They keep coming out with new Fico scores that are INSANE! The auto fico has me listed at XXXX but I'm close to 700 at other credit reporting agencies. This is a scam. They are working with lenders to INCREASE RATES.  Anyone can just say oh we are going to use the auto fico score so we can charge you an insane interest rate. This is totally unfair to consumers Attempting to call the company goes no where. I was on the phone with XXXX at XXXX EST XX/XX/2020 and was told that their score is based on the information that they have. I can see the information in my report but it's clearly not the same information they are using to calculate the score. Why is the fico 8 from Experian much much worse than the other companies? No one can answer this question. When I asked to dispute an error I was told to do it on the website but you can only dispute one time. And I couldn't dispute on the phone because of course they are closed. Seems like this process is much more difficult than it needs to be to keep rates higher for everyone. 
Disputing errors on your report clearly doesn't improve your score as much as it should. They are not being clear about their scoring.

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 2020-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Opened XX/XX/2018 ( 1 yr, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name 12 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Company has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includesALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the  item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon 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 2020-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name 12 XXXX XXXX XXXX XXXX XXXX Have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX XXXX XXXX, TX XXXX ATTN RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. 
They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, 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 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I have told company several times that there service did not work in my area. I was willing to return devices and terminate service as phones did not work properly in my area. Phones were returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Flights were booked through Citi 's online booking platform and agent XXXX XXXX XXXX XXXX for the amount of {$1200.00} - in the equivalent amount of Citi ThankYou Points of XXXX. 
Flights XXXX on XX/XX/XXXX were cancelled in XXXX by XXXX XXXX XXXX due to Covid19 route cancellation. 
XXXX XXXX XXXX refunded the total amount of {$1200.00} back to Citi 's agent XXXX XXXX XXXX XXXX on XX/XX/2020. 
Until today I have not received the refund from Citi or their agent XXXX XXXX XXXX XXXX and after numerous inquiries I'm being told to wait another 3 billing  cycles until the end of XX/XX/2020 and hope that perhaps the refund by then might show back in my 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 non-monetary relief
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and WELLS FARGO BANK with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part.

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 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Letter was sent to Experian certified dated XX/XX/XXXX in regarding 1681g METHOD OF VERIFICATION Experian then sent a letter dated XX/XX/XXXX stating " Dispute Results '', stating they would investigate, Experian then sent another letter dated XX/XX/XXXX stating they verified with XXXX and Public record BUT never provided information as to METHOD OF VERIFICATION and that they were within the law to furnish I the consumer 's information willfully noncompliant to Title 15 US Code 1681g. Experian also provided a credit report to I the consumer and again I never gave Experian any permission to furnish my information executing fraud and identity theft. Experian has violated several rights protected by the FTC. Experian also has several items on the consumer 's credit report that were discharged in a Chapter XXXX bankruptcy as of XX/XX/XXXX. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Experian pay for violations, I ask that Experian execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.

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 2020-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Following application on XX/XX/2020 to refinance our existing mortgage with the same lender, we have been subjected to a series of faulty ( or nonexistent ) communication by NewRez representatives, atrocious customer service, and, at best, broken promises ( at worst, fraudulent representations ). Supplemental timeline and documentation are attached for reference. 

It should be noted that this is has got to be the easiest cash-out refinance request possible : two W-2 income borrowers who have owned their property for 22 years, who each have credit scores in excess of 770, and an LTV of under 70 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX XXXX XXXX, TX XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, 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 2020-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: HI

Complaint narrative:
My mortgage loan was transferred to PennyMac. They require an escrow account for property tax and property insurance. That would not be an issue if they were using collected escrow funds to pay my property tax and property insurance. However, they are not doing that such that I must pay myself out of personal funds. To date : 1 ) Property tax was not paid by the due date of XX/XX/XXXX thus incurring penalty and interest charges totaling {$85.00} plus a government record of delinquency. 
2 ) On XX/XX/XXXX I received a letter from PennyMac accusing me of not maintaining property insurance and threatening to buy insurance from a vendor of their choosing. This smells like a possible kickback arrangement given that I had insurance but they did not pay the bill from escrowed funds. 
3 ) Home insurance was not paid which was due on XX/XX/XXXX thus allowing coverage to lapse. To restore, I had to pay myself using my credit card. 

There is a saying, " 3 strikes and you're out '' and I fully embrace that in this situation. 

I can only wonder if they are using my escrow funds for their own benefit so that funds are not available when bills come due. I ask that you open a fraud investigation into what may be illegal use of escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
Aargon collection agency is trying to collect XXXX dollars for debt incurred in the state of KS. Debt was incurred in 2015 the statute of limitations is 3 years. Account is reporting as delinquent on one of XXXX, XXXX   or 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