vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/2022 I was attempting to replace my debit card on file to another debit card with Cash App. It was not allowing me to complete change it stated invalid debit card number so I attempted several times and still no success. I clicked on Cash App support from there application and was led to customer service representative. The representative fraudulently transferred money to other accounts and to bitcoin stating this is how they fix issues with debit cards that have issues with invalid number can not add card. I had about {$3300.00} in my cash app account and after the fraudulent transactions some of which was returned about {$1000.00} as a tactic to convince me it was legitimate and i would get all my money back once my debit card issue was corrected. He provided a fraudulent call back number that he used to call me back and text me fraudulently about cash app account status. Also {$8700.00} was withdrawn fraudulently from my XXXX  debit card on file with several fraudulently transactions. Currently I am disputing those charges as fraud with XXXX but they did not offer a chargeback until they investigated this fraud stating they dont do chargeback since its a third party app. In total i lost {$11000.00} ( {$2200.00} lost from cash app balance and {$8700.00} lost from XXXX  debit account. I submitted complaint to both cash app and XXXX bank. But cash app responded within a couple hours stating they can not reverse charges and only way is if I ask the recipient ( the fraudster ) for a refund. The representative asked me to transfer money to someone I had previously transferred money to on cash app so that he could correct the debit card issue but it was his tactic to just transfer more money to other accounts and bitcoin wallets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand this collection be removed from my credit report or I will file for litigation due to stress you have caused all this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/22 my checking account at Chase Bank was charged {$610.00} for a transaction that was done by XXXX XXXX, in XXXX, XXXX, for XXXX flights from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then from XXXX XXXX XXXX XXXX back to XXXX XXXX for 2 women named XXXX and XXXX XXXX XXXX This info I received by e-mail from XXXX XXXX confirming flight information. As soon as I saw the charges on my account, which was XX/XX/22, I notified my bank, and that debit card was replaced with a new one with a different #. I filed a dispute with their Consumer Claims Dept., and at first they took the charges off of my account, and then put them back on. I called to find out why and was told that after investigating the transaction, they decided that I either made or authorized the transaction. I have been banking with Chase for about 20 years, and have never made a transaction like this, and I have never authorized or let anybody use my debit card. I contacted Chases Consumer Retail Dept. and they responded saying that the merchant had proof that I benefited from this transaction and that the case was closed. I wrote them back saying I never made or authorized this transaction, and was told the case was closed and I would receive something in the mail. One other thing the bank did send me an " unusual or suspicious transaction notice '', but had already allowed the transaction to go through. When I asked them if they knew the transaction was " unusual or suspicious '' why did they allow it, instead of putting a stop or freeze on it, they wouldn't answer me. The claim # I filed with my bank is # XXXX. Please help me, I don't know where to go or who to talk to. Personally, I think XXXX XXXX or an employee of theirs committed this fraud, but I don't know. My bank knows what my transaction history is and they should have never allowed this to even happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In Authorized Personal Credit Pull Was Initiated On XX/XX/2022 Business Ink I Did Not Give Written Instructions to pull PG on Credit Application, I Was pressured into approving an Personal Credit inquiry Delete Business Inquiry Off Of My PG Personal Credit Report I Would Like To Be Mailed A Copy As Fair Credit Act States Sun Chapter ( 15 USC Sec 1681i A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX  acct # XXXX, has violated my rights XXXX. XXXX XXXX acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX  acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, has violated my rights [ Inquiries ] XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX ( XXXX XXXX ), has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Last four of SOCIAL SECURITY # XXXX  IT WOULDN'T LET ME PUT IT IM THE REQUIRED FIELD, AND THIS WAS THE ONLY PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX XXXX2022 Harris and Harris reported a debt on my credit I do not owe, never reached out or cant get in touch with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am writing to you regarding the security deposit in the amount of {$2900.00} that was paid for the lease, signed on XX/XX/2019. Several months after terminating my lease, I received a collection claim from National Credit System. National Credit system has not provided me with an itemized breakdown of the outstanding claim. This was surprising, given that that a representative from the management office at my prior residency recently indicated to me that a claim was filed and paid with an insurance provider " XXXX. '' Furthermore, this representative indicated to me that there should not have been any effect on my credit as no collection were filed against my account. The debt collector has refused to remove this item despite my submission of numerous documents objecting to the balance. The outstanding balance on the account is ~ {$1300.00} and per my recollection, a {$3000.00} deposit was paid, which should have offset my outstanding balance. Unfortunately, the management office of my prior landlord has misplaced my security deposit. XXXX has, instead, sent me a copy of a surety bond that appears to not be in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX BANK ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2900.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$5700.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00}, original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, original creditor XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was victim of type 0 card and switch accounts, report in I still have JPMorgan institutions account and shares they playing dum

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: AR

Complaint narrative:
roundpoint mortgage servicing corporation sold my mortgage to XXXX  XXXX  corporation but they reported to XXXX that the account was closed as a result this affected my credit score. they did not report they sold it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX ( Opened XX/XX/XXXX, Highest Balance {$20000.00} ), XXXX  - XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I went to Marshalls  in XXXX on XX/XX/31 for I had about XXXX in gift cards and that should have worked towards my purchases for reason they did not and there computers were down for the gift cards or something happened where they didn't work only thing I had on me at the time was my tj max credit card for the whole amount the purchases this was not my fault at all and there was a full XXXX on the gift cards that I had since that was a company error I would like a XXXX credit of my purchases from that day at Marshals. I have emailed Synchorcary bank corp offices over the last 2 weeks several times and no in the company has responded to me what so I think they are ignoring me and don't want to dress my issues I just need a XXXX, XXXX credit put on my account for the purchases I made that day since this was not my fault at all synchonary bank has not responded once to my emails at all

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 2022-06-10 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: DISCOVER BANK
State: CA

Complaint narrative:
A discover bank credit card was opened in my name on XX/XX/2020. This card was charged up to {$910.00} without any of my knowledge by another individual I have no contact with. I am unable to interact through payments or canceling the card as I have no knowledge of the full card number or account name it is under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent TransUnion a dispute later and I received the green return receipt that they received my dispute letter it was on XX/XX/2022 and today is XX/XX/2022. It has been more than 30 days they broke the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$610.00}, original creditor XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00}, original creditor XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a mobile deposit for a check for {$900.00}, I didn't notice it was XXXX and beyond the cutoff. I called custo.er service to cancel, so I can cash the check the next day, as I need the money and Monday is memorial day. They said it will be available by Tuesday. They say they can not cancel it. Then, I notice, I haven't put mobile deposit at the back of the check, so I cash it the next day since they will not honor it. I cash it and got the cash. Tuesday came and I verify, there was no credit so I assumed they did not process. I was also expecting {$1000.00} from a friend that she will send through XXXX. Then I didn't know that by wednsday they credited it back, I thought that was the money I was expecting. In short, I overdrafted because they reverse it the following day. I will pay back the XXXX but they should not bill me with so much overdraft fee. They pulled out past transactions that were already booked but qualifies as an overdraft and charge me with the fees. Those are 3 days ago transaction and should be good. This practice of Wells Fargo is not right. You can not pull booked transactions and charge it overdraft fee, because that transaction was legit and has funds. Imagine the millions of customers being charged by this operandi of Wells Fargo. Please make a through investigation on this scam. This is not a proper accounting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I got sick around XXXX or XXXX of XXXX. I could no longer maintain full time employment. I was behind on my payments so I contacted PennyMac Mortgage and applied for a loan modification in XXXX of XXXX. I was denied several times because they said I did not have enough income to make my current payment. I did have my XXXX income plus rental income, since I purchase the duplex. So, when PennyMac Mortgage kept denying my requests for a modification, I had no choice but to file for bankruptcy protection. Since I was behind on my payments my bankruptcy attorney was able to place those past due payments into a Chapter XXXX plan. 

Around mid XXXX or XXXX of XXXX, my tenants stopped paying their rent, they left water damage in the home which caused mold. I was forced to miss my XXXX payment. I did not know that I could not miss any payments to PennyMac. My lawyer said that PennyMac sent in a notice stating that they were going to foreclose on me unless I catch up on the past due payments plus court costs in the amount of {$7700.00}. The payment that I had missed was in XXXX if XXXX in the amount of {$1200.00}. These payments PennyMac wanted were in 6 monthly installments of {$1200.00}. I got a part-time job to make these payments, which was very hard on my body since I am still under doctor 's care. I made all of the payments as agreed, but now PennyMac is stating that I had missed those 6 payments plus other montly mortgage payments and unless I start paying extra on my current mortgage, which is now {$1900.00}, and extra {$660.00}, which I do not have, and I still do not have a tenant because I can not afford to get my unit ready to rent again. My bankruptcy attorney advised me to hire a Certified Public Accountant to go over my PennyMac account because he said he does not understand what is going on financially with my PennyMac Mortgage account either. He also stated the burden of proof is on me each time I go to court and I am always responsible for the court costs and fees, which in XXXX of XXXX was {$1200.00}. Also, they had purchase Hazard Insurance, but I purchased a different policy because it had better coverage. PennyMac was charging me twice for both polices for a few months and now they are also saying I did not have any overpayments and they are not applying any of the overpayments to my account, as I can tell. The dates above are approximate but the dates on the attachments are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am a victim of mortgage identity theft ( a federal crime ), misprison of felony ( when the judge or enforcement agency already knows that you are a victim yet continues to violate your rights ) ; ( the State of XXXX already has a list of victims in which they paid checks for and identified each victim ) ; fraudulent foreclosure auctions, schemes involving real estate fraud, discrimination, home title fraud, bid rigging at a foreclosure auction, theft by taking, theft by deception, tax and insurance fraud, conspiracy and racketeering, both criminal and civil and fraud on the courts. 
My family was held under armed threat, duress and coercion and forced out of our home. A crew of thuggish policy enforcers multiple county sheriffs came, drew their guns on my family and I forced us out, put me in hand cuffs and in the back of a police sheriff pickup truck. An unknown man, ( bank representative from XXXX ), and realtor from a real estate auction site XXXX XXXX were at the front door as I was forced out. This unknown man proceeded to change all the locks and removed with another unknown minor, all of my familys belongings. My XXXX camera caught the conversation of the sheriffs and the unknown XXXX representative stating they put homes in Trust, sometimes it works and sometimes it doesnt. The reason for that conversation is that my home was placed in Trust and recorded in the county register, and certified by the state of XXXX  Secretary of state, all due faith, credit and authority. Full recording of sheriff conversation with unknown bank representative available. The fraudulent mortgage companies filed form XXXX XXXX or XXXX to the IRS. They stole my house and then were paid 10 ( ten times ) more than the principle amount.

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