vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NC

Complaint narrative:
On or about XXXX XXXX, 2020, XXXX XXXX and XXXX XXXX transferred a total of {$610.00} to CashApp for transfer to me. They received confirmation that the money was taken from their accounts. None of the money has ever reached me. 
After trying unsuccessfully to reach CashApp by phone ( none is listed ) or email, I wrote a letter to them on XXXX XXXX, 2020, to the attention of Customer Support. I heard nothing back. I followed up with another letter on XX/XX/XXXX addressed to the Chief Financial Officer, certified mail, with copies to the CashApp lead, the General Counsel and the Chief Executive Officer. Again, I have heard nothing from them. I have copies of the correspondence to them in my files. I have not even received an acknowledgement that they are looking into the matter. 
It is now more than six months without the funds. I am suspicious that I am not the only person to be affected. 
One of my letters asked them if I was wrong about being owed the money, but no response was forthcoming. I would like them to pay over to me the {$610.00} that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
In XXXX of this year I deposited {$15000.00} with Citi Bank from a promotional offer they sent me that was maintain a balance of {$15000.00} or more and receive a bonus of {$400.00} after 90 days. I kept my balance at XXXX the entire time. What they did was say I wasnt eligible to receive the bonus because my checking account had been closed. They closed the checking account themselves, not me. They closed it they said because I hadnt maintained a balance in there even though they said either checking or savings account in the promotional offer. I called and they just told me to go XXXX myself basically. Avoid Citi ( XXXX ) bank whenever possible. Misleading and purposely deceptive business practices.

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 2020-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In order to close on our home purchase, went into local bank to send a wire transfer. After waiting and worrying we find out that the bank sent the wire without an account number. Told us what we needed to do, and we sent another wire successfully. We still have not received our money back from the initial wire, and the bank and employees arent offering any solution to tell me where my missing $ XXXX are. Can not get an update other than we arent sure

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 2020-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THE U.S. Department of Education approved my student loan discharge in the amount of about {$53000.00}, due to my Veterans XXXX XXXX XXXX. I have supplied each bureau with disputes and documents twice, and have not gotten accounts removed. In addition there are entries that I have disputed of companies that performed credit checks that I did not authorize and Transunion fails to remove account along with a XXXX XXXX secured credit card that is past my state 's statue of limitations on reporting and although the bureaus claim to conduct a honest and fair investigation, this could not be possible because This account, secured credit car, I never opened.

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 2020-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I added funds to my account on XX/XX/2020 and it shows that they received the money on XX/XX/2020 but the money has not yet been used to pay off my balance. I have called the company to attempt to get this resolved but they have stated that there isn't a person that can do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
So on XX/XX/2020 I received a notification from Chase saying I had sent out a XXXX  payment of {$300.00} to someone under the name " XXXX XXXX '' I called XXXX  Claims department explaining that what happened was that my parent 's account had been compromised ( being accessed remotely through my fathers Computer terminal ) and was linked to my personal bank account that also had my mother in so they grabbed the money from not their account but rather mines. after calling to dispute this unauthorized charge, they issued the claim and got back to me on XX/XX/XXXX that they issued a XXXX credit for the time being, the following day XX/XX/XXXX. They sent me a email at XXXX XXXX saying that based on their investigation that the charge was authorized. I spent a good portion of XX/XX/XXXX Talking to various representatives on chase 's end eventually a supervisor by the name of XXXX about my issues and was met with a " sorry we can't help you this instance, try to contact XXXX '' I even asked to track where the money is being sent to and they did not give me any information. Then based on how they validate whether transactions are fraudulent and failing to take responsibility in this matter as I had told them how my account was accessed they didn't offer any solutions and XXXX specifies on their site that they can't really do anything. they just decided that it should be left up to the victim to do their jobs of contacting the right organizations in regards to seeing what happened to my money even though this would be violating my rights under the Electronic Fund Transfer Act. Chase didn't even try to think hey this might be suspicious that an account that has only XXXX XXXX money out to a family member once would send XXXX to someone the same day and disputes it the same day. it was incredibly unprofessional and unpleasant having to participate in a back and forth that feesl like it ultimately will not get resolved and make me want to conduct my banking elsewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: VI

Complaint narrative:
There are quite a few hard inquiries showing on my credit report that was not authorized by me and therefore I am asking the credit reporting agencies to please delete them. The only ones that I know of are 1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX   .3XXXX XXXX XXXX The other hard inquiries was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a XXXX XXXX loan directly with XXXX and was approved for Economic Injury Disaster Loan ( EIDL ). XXXX funded my bank account, Pentagon Federal Credit Union on XX/XX/2020. Since then PenFed is holding my funds and have blocked my account due to having XXXX loan deposited into personal account. However XXXX had no problem depositing those funds into my personal account since it is a disaster loan. I have called and emailed PenFed several times explaining that my XXXX XXXX  was impacted by Covid 19 and the funds needed to help my XXXX  to survive, I was asked to upload my business documents as well as proof of identity. I have provided Penfed with every single document theyve asked for. However the funds are still not available to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There is a student loan reporting in my credit report for {$170000.00} from XXXX, account number XXXX .... The issue is that I never went to college and never applied for any student loans or co-signed for anyone. I have been disputing this account with XXXX, Experian, and XXXX  since XX/XX/2020 - requesting that they contact XXXX and have them provide me with documentation proving this debt is mine ( a copy of the original contract with my information and signature on it ). I have yet to receive one response back from any of the credit bureaus or XXXX. I sent dispute letters for this account to the 3 credit bureaus and section 609 request letters to XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 but, still no response. This is crazy!

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
This is my second complaint. Equifax responded to complaint XXXX by stating that the " problem has been fixed '' and I should go on line to reset my password to access my account -- -I have been unable to reach a human being at Equifax to UNFREEZE my credit for 3 months. 

Online, when I try to put in my personal information to reset the password, Equifax screen states " We are unable to help you at this time. '' I have tried again by phone, but my answers to their security questions are not accepted -- -they ask if I have had specific loans etc and I have answered the questions accurately. Then I am cut off. 

Neither the webpage nor their phone line provides a way to speak to a HUMAN BEING to resolve this question. I am unable to get through their messed up screening processes either on their website or phone and am stuck in an extremely frustrating loop. 

DID EQUIFAX REMOVE THE FREEZE ON MY CREDIT REPORT as requested? I have no idea, as they did not provide the answer to this question in their response to my CFPB complaint. 

In XXXX, XXXX I sent two CERTIFIED letter requests to Equifax to unfreeze my credit. I did not receive a Equifax signed certified letter slip for either letter. 

This company has complete control over my credit history. I did not ask to work with them, and believe that their license to provide this " service '' be taken away since they are completely inaccessible to the public. I doubt if they treat their paying customers the same way as they do people such as I who have just asked for credit freezes ( which was initially requested due to an Equifax data breach in XXXX! ) I need to get a new cell phone account, due to poor service in my rural area, and this issue has prevented me from accessing this or any credit for almost 2 months. Outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a XXXX XXXX loan directly with XXXX and was approved for Economic Injury Disaster Loan ( EIDL ). XXXX funded my bank account, Pentagon Federal Credit Union on XX/XX/2020. Since then PenFed is holding my funds and have blocked my account due to having XXXX loan deposited into personal account. However XXXX had no problem depositing those funds into my personal account since it is a disaster loan. I have called and emailed PenFed several times explaining that my XXXX XXXX was impacted by Covid 19 and the funds needed to help my XXXX  to survive, I was asked to upload my XXXX  documents as well as proof of identity. I have provided Penfed with every single document theyve asked for. However the funds are still not available to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
problem with security freeze. I am trying to refinance with XXXX XXXXf XXXX XXXX, they have attempted to get my report several times and can not. after repeated phone calls and internet. the problem is with Experian. there agents tell me there is not a freeze but there is .they check and can not find problem. sent letter and responded dated XXXX does not display a freeze. after and hours put twice on hold for to speak to a supervisor with no response. they are the worst company to deal withXXXX XXXX XXXX XXXX had same problem in XXXX of XX/XX/XXXX. .experian dose not or will not fix the problem was told 3 weeks ago they would send problem to there it department, still no response. still waiting for call back from supervisor XXXX. one agent found that part of there system showed a freeze but other areas do not. this problem is causing XXXX  and not able to get refinanced.

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 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Hi Team : I visited a doctor for a general checkup about a particular health issue. The doctor examined me like I was examined in the same way by several other doctors in the past. I provided my insurance information and also paid whatever was requested at the counter. A few months later someone random, I don't even recognize started calling me, asking me to pay for tests that I don't remember or have not consented to and asking me to pay for it. I recently realized that they have updated the same in my credit report. These charges are very very small, but I did not use them and I should not be responsible for them. Please help me with this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: DISCOVER BANK
State: CA

Complaint narrative:
I have recently reviewed my credit report. I noticed that there is a late payment shown for XX/XX/2020 for the Discover Credit Card. I have always taken my credit very seriously. I try to pay off my balance before the end of every month - before the due date. In fact, my current balance is {$0.00} with this account. During COVID-19 Pandemic, I was overwhelmed by obligations with family, work, home, kids, and health. It was a very difficult time. I even had to temporarily request for payment waiver ( aka forbearance ) for accounts. When I explained my situation, Discover Customer Service Representative Supervisor, XXXX from XXXX, said there were no late payment marks in their system. In fact, my account is all clear and I had a " remarkable credit history '' with the Discover account. XXXX said he immediately notified all credit bureaus of this mistake and sent an off-cycle report to confirm that my account is incorrectly marked on all XXXX of my credit bureau 's reports for the late payment of XX/XX/2020. 

I am not sure what is going on exactly. But I am requesting to have this late payment mark remove from my credit report. I would like to have the case reconsidered and remove the negative mark and clear and make current my accounts on the credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp
State: OK

Complaint narrative:
I had a workplace accident on XX/XX/2019. I XXXX my XXXX Taken by ambulance to XXXX XXXX XXXX XXXX. I was in contact with my employer 's insurance. XXXX ( XXXX, Claim XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  FL XXXX ) charged ME for Ambulance services, and sent the bill to Collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Hospital charged ME for the ER visit. I took my claim information to XXXX, but it wasn't put in their system. I visited the business office at the XXXX XXXX TWICE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) and sent the bill into collections with CAC FINANCIAL CORPS / collections at XXXX XXXX XXXX # XXXX, XXXX   XXXX, OK XXXX It had already been sent to Collections, and was out of their system I started getting calls from their collection agency. I explained that it was workman 's comp. I contacted XXXX 's, ( see above ) and they assured me that they would correct the situation with the collection agency. My credit score has dropped 300 points. and I've just blocked the collection calls. I was assured by XXXX  's that they would negotiate with collections. Through no fault of my own, I am being chased for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: MI

Complaint narrative:
There is a student loan reporting in my credit report for {$170000.00} from XXXX, account number XXXX .... The issue is that I never went to college and never applied for any student loans or co-signed for anyone. I have been disputing this account with XXXX, XXXX, and TransUnion since XX/XX/2020 - requesting that they contact XXXX and have them provide me with documentation proving this debt is mine ( a copy of the original contract with my information and signature on it ). I have yet to receive one response back from any of the credit bureaus or Navient. I sent dispute letters for this account to the 3 credit bureaus and section 609 request letters to XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 but, still no response. This is crazy!

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 2020-09-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There is a student loan reporting in my credit report for {$170000.00} from XXXX, account number XXXX .... The issue is that I never went to college and never applied for any student loans or co-signed for anyone. I have been disputing this account with Equifax, XXXX, and XXXX  since XX/XX/2020 - requesting that they contact XXXX and have them provide me with documentation proving this debt is mine ( a copy of the original contract with my information and signature on it ). I have yet to receive one response back from any of the credit bureaus or XXXX. I sent dispute letters for this account to the 3 credit bureaus and section 609 request letters to XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 but, still no response. This is crazy!

Company response to consumer: Closed with explanation