vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Numerous calls that start with a pre-recorded message offering lower interest rates on my XXXX card. Most don't even offer a do not call option, just " press 1 to speak to a credit specialist. '' When I then tell the specialist that I do not have a XXXX card, they then say that it works for Visa, Mastercard or XXXX. They usually make some reference to my good payment history as reported by Experian. When I try to tell them I just want to find a way to make the calls stop they hang up on me. 

The last call was from XXXX at XXXX XXXX XXXX XXXX When I try to dial that number back, it says ( as usual ) that this number has been disconnected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2019 I had a provisional credit added to my account I didnt use. Apparently it was I had no idea and the fraud check was reversed not in my favor and it was taken from my account on XX/XX/2019. I was told funds were taken out of the account at this time which I didnt use. XX/XX/2019 my account was closed with {$1700.00} still owed. I would like my account to fixed I was young and didnt handle it because I didnt know how. I had sent in a complaint earlier didnt know how to respond with the information you needed because there was no return address. I have my account number and I have statements being mailed to my home I currently only have 1 statement as of right now. I dont want any money back I just my account to be back to {$0.00} and closed officially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Be advised, the following company DPT ED/NAVI is attempting to collect alleged debts not owed and has obtained my personal and confidential information without my consent or permission. DPT ED/NAVI must immediately cease and desist all attempts to contact me other than to comply with my demands. I as a federally protected consumer and natural person am demanding that this company cease all unlawful attempts to collect alleged debts not owed to them immediately. Any further attempts to contact and harass me in regards to these alleged debts will result in legal ramifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: MN

Complaint narrative:
I talked to Dynamic Recovert Solutions about this and they told me to contact you about. First of all the address I live at has no apt number. The address for the account has an apt number. The debt was made in XXXX of 2011 in the amount of $ XXXX. I am just now getting notified about this. I have received letters in the mail asking me to send money for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I for some reason do not have a credit score with Equifax and XXXX. I do have a credit score with XXXX. I have been trying to establish credit with Equifax and XXXXXXXX however, there has been too much back and forth at this point and they have not been able to assist. 

I have sent my information twice now to each Equifax and XXXX 

With TXXXX I have sent my information both times by mail. Apparently, the 1st time I sent it, it was not enough information even though I sent what they asked for. So, I sent everything again including new additional documents through certified mail, and am waiting now. 

With Equifax, I have sent my information through fax and have confirmation of delivery however after waiting 8 business days after Equifax received the files ( which by the way, they said they need 3-5 days ), they have no record of the file. Customer Service assumed that it was because the files were not readable and asked me to resend the information again. Equifax also does not have any notes to prove that the file was not readable. So, I sent everything again through certified mail and am waiting now. However, I am very concerned that the same exact thing will happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
There is a company called XXXX XXXX that I believe stole my identity and sent my information to a debt collection agency called Hunter Warfield in the amount of {$10000.00}. I do not know why they use my information it I have no relations to both companies and would like to get that debt removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
Hello, I never contacted US bank nor have I ever had a relationship with the bank. I recently purchased a home using an FHA loan and closed with XXXX XXXX XXXX XXXX on XX/XX/2021. An XXXX XXXX ( ex girlfriend of mine ) who works at US Bank as a mortgage loan officer accessed my person information on the government website for FHA connection. She shared this info with others. I made a complaint with US bank customer service about two weeks ago as a believe this violates federal law 18 ISC 1030. To date I have not received a response from US Bank. Her access should be recorded on that website. Her NMLS is 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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mountain Run Solutions, LLC
State: OH

Complaint narrative:
I was called and told the collector told me that she was on the way to my house and that I would be arrested. She also asked me if I still reside at my current residence. She told me I could prevent this by making a payment. She even stated that if Im not home she would show up at my job.

She works for Mountain Run. This is a collection agency for XXXX XXXX XXXX XXXX.

Also I do not owe the debt. XXXX  charged me a monthly amount more than what they stated it would be when I agreed. I also requested a suspension of service while my job was on furlough. They refused and continued to bill me. They refused to resolve issues before sending my account to a collection agency Also he collection agency is restarted my start date to fraudulent damage my credit. This has been on my credit for over 7 years.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage XXXX This account should NOT be reporting a late payment on XX/XX/2021. This account has been paid off. This loan funded on XX/XX/2021 so it should not be considered more than 30 days late. This is preventing me from getting the credit I deserve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: NV

Complaint narrative:
C/o XXXX Ive sent you guys enough complaints, that this one is different. As always, someone can say, whys he contacting us, guy is cia living in XXXX. maybe at the end of the day, it all comes down to my email address but if I were to give a thesis on my writings not only to you, I in this situation the person place or thing Im complaining about gives two XXXX my email address and therefore, I understand what you guys do. You guys have one job, to protect consumers. I dont think Im being wrong especially when Im writing you about call it legal stealing cash from me. You know, theres an interesting thing about Bitcoin. I know ya never trace any of those digital currencies, thats not the point in Bitcoin world every breathe in a transaction involving Bitcoin, can be traced. And after they told me confirmed on XXXX, I went to three diff finders of transactions so all you need is either the sending or receiving address. I had both and all three websites stated that those addresses dont exist.? And this ignoring me and I mean, were dealing with money and the way their acting just totally XXXX ignoring me? Can I throw an idea out there? Whose to say cash app, didnt create those two addresses on a seperate server told me all the right things confirmed ya prove it no just ignore me. Ya know, do you notice in their interactions with me not ask what address were they supposed to send it too or from. But the screen shots I have, yo if they say we lost it. Thats my fault? But can you imagine er docs were like Ill get to you by two days. And not once say it was my fault in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: GA

Complaint narrative:
I am writing you this letter to inform you that you have indeed violated my consumer rights as a federally protected consumer. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable also under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.

Also there is not a possible way a debt can be validated under 15 U.S. Code 1692g ( 5 ) ( b ). Law states that there is not an action to assess no credit bureau has the authority to do so. Lastly there is no investigation to conduct under 15 USC 1681a ( e ) investigative consumer report this term means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living it's obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. 
So this means there's no way any credit bureau can investigate. if so send me all the evidence and actions took during the alleged investigation. and send me proof of VALIDATION I do not consent for you to use the e-oscar system to verify or look over this matter. I DEMAND THAT YOU DELETE THESE FOLLOWINGS ACCOUNTS IMMEDIATELY. 
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 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates, LLC purchased a debt from XXXXXXXX XXXX  via merchant XXXX XXXX and are now attempting to contact me via phone calls in regards to a collection account, which I've found on my recently acquired consumer credit reports. I do not owe anything to this debt collector and this collection account on my consumer credit report is unauthorized and in violation of my consumers rights [ TILA and FDCPA ], as well as purchasing any alleged debt from a alleged original creditor and not having my consent nor any authorization to do so. And with furnishing inaccurate and unauthorized information to the credit reporting agencies, and to make matters worse inaccuracies are throughout those three consumer credit reports and the one from XXXX has my social security number incorrect which constitutes fraud. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CA

Complaint narrative:
I have been trying to reach cash app customer service number but it says that you can't speak no one only by email but I have been using that app to file a dispute and I always get the same email back which is this one This is XXXX from Cash App Support, thank you for reaching us and I'm sorry for our delayed response, I completely understand seeing an unauthorized activity in your account can be alarming, but I want you to know I am here to help. 

To begin our investigation, you'll need to provide complete answers to all of the following questions. We can not begin an investigation without all of the following information : 1. What is your legal name, $ Cashtag, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? 

2. What is the date/time and amounts for the transactions that you believe are in error?

3. Why do you believe the transactions were unauthorized?

4. Were you instructed to download any other apps other than Cash App to access the account in question?

5. What is the make and model of the device ( s ) you were logged into when the transactions took place? 

6. Which city & state were you located in when the unauthorized transactions took place?

7. Did you forward or provide any account access information to a third party? 

We will review your account as soon as we receive this information. 

We will never ask you to provide your PIN, send a payment, add funds to your balance, make a purchase, or complete a " test '' transaction of any kind. The best way to contact Cash App Support is through your app. For more ways to reach out, check out Contact Cash App Support here ( https : //cash.app/help/us/en-us/3128-contact-cash-support " Contact Cash App Support '' ). 

If you have any questions or concerns please feel free to reach me, I want to make sure everything is being taking care of. 

Best Regards, XXXX. 
Cash App Support. 

ref : XXXX : ref I always respond with the answers for these questions and then again I get the same lame email again and again but nothing about my case update I have not heard from someone live and pretty upset at this point and hopeless I need my refund my money I need it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received an email for a cancelled flight on a trip I had booked. I immediately contacted Chase Travel rewards in regards to this and cancelled my trip. I was told that the cancellation was successful and I will be receiving my points back from me. I could expect to receive the XXXX back in approximately 3-4 business days. Great. This did not happen. I went to the portal again to contact someone on XX/XX/XXXX in regards to this. They said they are going to look into this and will get in contact with me in a few days. Ok cool. Nobody had called me yet again. I finally called on XX/XX/XXXX in regards to this. Explained my situation and was told I will not receive my points back. After being told over 2 weeks ago that I was? I wanted to speak to a manager and waited on hold for one for 30 minutes. Finally, I said just call me back I don't have the time. I have yet to hear back from them 3 days later. I am forced to make this complaint because I was told one thing and then told another 2 weeks later. You can't say I will receive my points back and then say nevermind you aren't going to now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this 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 explanation
Consumer complaint received 2021-03-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX ( XXXX ) XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this 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 explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yesterday, XX/XX/2021, I reached out to the servicer of my conventional mortgage to set up a bi-weekly payment option. Being in mortgage myself, I understand the compounding benefits of doing so to basically knock years off the life of my loan, but also save 10s of thousands of dollars as well. I initially was unable to do this on their website, so I ended up calling them. When I was about to set it up I had the representative read me the terms and noticed that the payments were not going to be applied at time of payment, ( meaning the interest being compounded would stick to the amortization schedule and not an accelerated one, ) but rather would be held until the full payment was received and then would be applied as a regular payment to the loan. 
I feel that by not having the option on their website, they are able to obstruct how their payments are being applied and it wasnt until I confirmed with the representative how it was going to be applied that I understood there was no additional benefit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CA

Complaint narrative:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you

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