vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/2020 I attempted to send payments of {$50.00} and {$200.00} using my Cash App with my payment method of a credit card from XXXX ending in XXXX. Both transactions initially went through, but were declined on Cash App 's side in minutes. Cash App has restricted me from contacting them online by preventing my doing so and only providing a generic statement about cancelled payments. Cash App is providing no letters and only a physical address for them to be contacted at when they are an ONLINE MOBILE service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: HI

Complaint narrative:
Transunion didn't send me Mov ... They told me they got my information from the court that was a lie. I have Call and sent letter of proof. I ask them for proper documentation ( Mov ) call them. Call many times to delete my information. They didn't do everything the correct way. I call and check myself.

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 2020-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I Received a call from a number who left a voicemail with reference number, called back, party named XXXX XXXX claiming from federal loan department send me a txt message with a code. The person asked for code and I provided and person was able to log into my XXXX account and gave me all the details about my school loans and option as how to pay back. 
my Social was verified, my address and my employer was verified. 
I was send some paperwork to sign and asked for the payment to be applied to Loan.the writer provided XXXX bank account number. 
after the call, I called my school financial advisor and I was told it is a scam. 
I had my credit card locked but iam still worried about my other information. 
the number that was given to me to call back is XXXX, initially a femaile called with the name as XXXX and a reference number provided ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian keeps reporting a XXXX  account paid in full and more than 7 years old. This account should be removed from my report. 

This item was already removed by XXXX  Credit Bureau.

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 2020-04-24 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: Atlanticus Services Corporation
State: CO

Complaint narrative:
I paid of my debt with Fortiva in whole late 2019. Since that time, I had not used my card for any means. Then in XXXX I had received notification that I had a balance due over {$500.00} and I called the company and they had shared the transactions. I reported them as fraud and they transferred to a number that does not pick up. I called customer service again and they gave me " the real number '' and the fraud department emailed an affidavit to fill out and return via email or fax. I returned it immediately with the details regarding the fraud charges. Since that time, I have not received any notification of receipt for that affidavit or the 5 that I have sent via postal carrier. Although, I did receive a letter in the mail that my account has now been terminated due to breaking the account agreement upon signing up with them. My credit score has dropped over 100 points due to this and I am no longer to close on the property that I was attempting to before all of this had occurred. All I want out of this is my account to be settled with Fortiva and back to normal and there will be no harm done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: HI

Complaint narrative:
I ask Transunion for proof and they never sent me anything ... They report my information to XXXX with incorrect information. They violated the fair credit reporting act ... I ask many times for Mov proof. They are very rude and nasty on the phone.

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 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had posted on XXXX app for furniture items sale as I was going to move out. One person contacted me on XXXX and asked me to send text to her husband 's mobile number about one of the items i had put on sale. The person wanted to buy this furniture item from me and agreed to buy all items I had put on in app for selling. He sent me Cashier 's check which included amount for furniture items I had put for sale and charges to be paid to Mover for movement of these furniture items. He asked me to deposit this check and once the amount is deposited to my account, make {$1500.00} payments to Mover with email ID through XXXX app. I insisted that I dont want to make any payments and hold his money as my move out plan was postponed due to travel restrictions. He asked me to make Mover 's payment and agreed to pickup furniture items once my travel plan is finalized. I deposited the cashier check and waited for it to be processed and next day it was processed and amount was available in my account. Based on understanding that cashier 's check has been validated by Bank, I made payment of {$1500.00} in 3 payments made in 3 days of {$500.00} each as per daily limit in XXXX app on XXXX. I received email from my Bank on XXXX that the cashier 's check deposited has been returned unpaid and my Bank deducted the cashier check amount along with some fee amount from my Bank account. Now when I tried to reach the buyer on 2 different numbers he messaged me from, he is not reachable. I called Bank representative where my account is, but they said they can not help and I asked them to cancel XXXX transactions so that I can get my money back but they said since I initiated these transactions, they cant help. I called Bank who issued Cashier 's check but they told that they can not help in revealing the information on why cashier 's check was returned unpaid over phone. I am feeling helpless now and request to get my lost money back.

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 2020-04-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
We have been victims of identity theft. I never even use my credit and there is a rental property collection account on there. This is literally the only account on my credit report and I have no idea what this is in relation to. The account appears as XXXX XXXX XXXX for {$3500.00} which is outrageous. I would like your assistance in getting the credit bureaus to recognize this account as fraudulent and have it removed.

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 2020-04-24 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: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : Select Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to XXXX XXXX, XXXX, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that Select Portfolio Services has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want Select Portfolio Services to report my perfect payment history to XXXX XXXX, XXXX, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: FL

Complaint narrative:
We have been victims of identity theft. I never even use my credit and there is a rental property collection account on there. This is literally the only account on my credit report and I have no idea what this is in relation to. The account appears as national credit systems for {$3500.00} which is outrageous. I would like your assistance in getting the credit bureaus to recognize this account as fraudulent and have it removed.

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 2020-04-24 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: FL

Complaint narrative:
We have been victims of identity theft. I never even use my credit and there is a rental property collection account on there. This is literally the only account on my credit report and I have no idea what this is in relation to. The account appears as national credit systems for {$3500.00} which is outrageous. I would like your assistance in getting the credit bureaus to recognize this account as fraudulent and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: CA

Complaint narrative:
I have checked my credit and found many accounts that I know are a result of identity theft. I do not know if it is from a breach but I know that the accounts on there were obtained by someone other than me without my approval or consent. I do not even know what these accounts are even for. Please help me get to bottom of this and back to normal.

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 2020-04-24 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: CA

Complaint narrative:
I have checked my credit and found many accounts that I know are a result of identity theft. I do not know if it is from a breach but I know that the accounts on there were obtained by someone other than me without my approval or consent. I do not even know what these accounts are even for. Please help me get to bottom of this and back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: West Coast Servicing, Inc.
State: IL

Complaint narrative:
I have start receiving collection notices from West Coast Serving , Inc. This debt that they are asking me to repay was discharged in bankruptcy. I have informed this company of my bankruptcy. This company purchase this account from XXXX XXXX XXXX XXXX XXXX XXXX shortly after I filed a claim with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: WA

Complaint narrative:
Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to Trans Union, XXXX, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that XXXX XXXX XXXX has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want XXXX XXXX XXXX  to report my perfect payment history to Trans Union, XXXX, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
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
Consumer complaint received 2020-04-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to XXXX XXXX, Equifax, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that XXXX XXXX XXXX has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want XXXX XXXX XXXX  to report my perfect payment history to XXXX XXXX, Equifax, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have checked my credit and found many accounts that I know are a result of identity theft. I do not know if it is from a breach but I know that the accounts on there were obtained by someone other than me without my approval or consent. I do not even know what these accounts are even for. Please help me get to bottom of this and back to normal.

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 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX ... I am a XXXX and was approached by a " client '' named XXXX XXXX who said he was due an amount of money from XXXX for a wrongful termination of about {$120000.00}. He gave me the email of the person who he claimed was XXXX XXXX at XXXX. He signed a retainer agreement with me and provided the " settlement agreement '' with XXXX. I got XXXX to send a check which was supposed to include legal fees and interest and they sent a " cashier 's check '' to me by regular mail, not XXXX  ( the usual way you would send a check of that amount ). It was written on a Citibank account. But when I brought it to XXXX  XXXX XXXX to deposit, my bank told me it would not " scan '' and that I should be careful and have them wire the funds to me. I then tried to call Citibank to verify that it was a good check but because of Covid, no one could find the right person to answer my questions but the few that talked to me indicated that it would not have a cashier check no on the top right AND an account number on the bottom. I then looked at the emails again and saw they were using XXXX instead ofXXXX and then realized it was a scam. XXXX XXXX told me he was traveling to XXXX to buy drugs to set up a lab to make a Covid vaccine. I have the original check, envelop that went through the U.S. Mail, emails, settlement agreement and retainer agreement he signed with me, and documentation of all phone calls. He is now pressing me to wire him the money which of course I will not do.

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 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
XXXX already called the company and told them it wasnt him and that it was probably a result of identity theft. XXXX has no knowledge of the account until it showed up on his credit report and he is willing to file a lawsuit. XXXX claims it is ruining his credit score and his financial stability and would love to have it removed from his credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Locate Source America, LLC
State: NV

Complaint narrative:
XXXX has contacted the company and told them this was not him and he has nothing to do with the account. XXXX said this account is ruining his life and his credit score he also said he had no knowledge of it until it showed up on his credit report and he is willing to file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
my mortgage was transferred to shell point from XXXX XXXX loan servicing on or about XXXX XXXX but prior to and long before it was transferred to shell point my loan was in loss mitigation in a on going short sale, when it was taking over by shell point in XXXX after sometime i received a letter stating that shell point was the servicing company for the loan so i contacted them and was told that my documents where being upload into there system and it would take 30days for that to happen and asked to check back after that time period, and i did so after that, i spoke to shell point and was asked to send in the updated listing agreement and letter of dispute of value which was sent on XX/XX/2020, and was told it would be reviewed about week later a was told that new a appraisal would need to ordered, well about mid XXXX everything shut down because of the COVID-19, but that didn't seem to stop shell point from disobeying the state mandate to stop all foreclosure proceeding as well as the California homeowners bill of rights that all foreclosure action is to cease while the borrower is in the mist of loss mitigation, shell point didn't request any other documents until after they filed a foreclosure NOD, so it was a clear disregard for the law and flat out lie that my file was not in loss mitigation because XXXX had stopped all foreclosure action when they had the file.

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