vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-28 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:
Good afternoon, My name is XXXX XXXX. I had an account with Cash App ( which is currently closed ). For nearly 21 months now I have been attempting to cash out {$2400.00} that is rightfully mine. They first claimed I couldn't cash out because that transfer was being disputed by the sender, which happens to be my husband, XXXX XXXX. That is false, and I have sent multiple emails with the history of the transactions. I sent them the information below : " Below are all the transactions that involve {$2400.00} between XXXX XXXX, XXXX XXXX and myself, XXXX XXXX. As you can see, this has been resolved on XX/XX/2018. The {$2400.00} that my husband, XXXX XXXX, sent me, XXXX XXXX on XX/XX/2018 at XXXX XXXX   was never disputed. The transaction that was accidentally disputed and resolved by XXXX XXXX  is the transaction sent from XXXX XXXX to XXXX XXXX ( unknown date and time because all off $ XXXX history was erased ). Thank you for your time, and if you need anything please let us know. 



XX/XX/2018, XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX to XXXX XXXX $ XXXX -- Web Receipt Identifier : XXXX XX/XX/2018, XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX  to XXXX XXXX $ XXXX -- Web Receipt Identifier : XXXX XX/XX/2018, XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX to XXXX XXXX $ XXXX  -- Web Receipt Identifier : XXXX XX/XX/2018, before XXXX XXXX  : {$2400.00} from XXXX XXXX $ XXXX to XXXX XXXX $ XXXX  -- - this is the transaction XXXX XXXX   accidentally filed a claim on XX/XX/2018, XXXX XXXX  : {$2400.00} transaction from XX/XX/2018, XXXX XXXX  refunded from XXXX XXXX 's account $ XXXX  due to XXXX XXXX  's error in filing a dispute. Web Receipt Identifier : XXXX XX/XX/2018, XXXX AM : Cashapp returns the {$2400.00} back to XXXX XXXX 's account $ mikepavlovich after XXXX XXXX  releases the funds back to cashapp after XXXX XXXX worked with XXXX XXXX  to cancel the dispute he never filed. The reasoning on the transaction is For XXXX XXXX XXXX : https : XXXX This is where the issue has been resolved between those two individuals. ( I attached a screenshot of this transaction from XXXX XXXX 's account ). '' Cash App would tell me to patiently wait while they investigate the case, then when my patience runs out I reach out to them and they will tell me the case is closed since I did not reach out to them. The transaction between XXXX, my husband, and myself was never in question. I am very exhausted from this situation and am just trying to cash out my {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: TX

Complaint narrative:
A few days ago I noticed my credit scored took a dive by 65 points I wondered why as there had not been any activity on my credit use. Upon examining my Equfax report I noticed that there are duplicates that have been posted on my report. They are listed under XXXX XXXX and shows to be posted as of XX/XX/XXXX. XXXX for XXXX XXXX XXXX, that's strange because this bill has already been posted back in XX/XX/XXXX for {$980.00} There is also a posting from XXXX XXXX which was posted XX/XX/XXXX for XXXX XXXX XXXX for services rendered on XX/XX/XXXX in the same amount of {$980.00} Then there are three additional postings from XXXX XXXX for XXXX XXXX XXXX for services rendered XX/XX/XXXX in the amount of {$710.00} this one is listed two times and yet another one from XXXX XXXX for XXXX XXXX  listed on your platform with the others on XX/XX/XXXX for {$710.00}. 
I noticed you didn't catch either of these Equifax and because you lied about investigating the inquiry that appeared on my credit report as a result of some one steeling my ID my attorney and I will be preparing Affidavits in preparations for a law suit against you and we are also preparing A STATUTORY DECLARATION to present to several government agencies. I am fed up with you Equifax and your thoughtless stupor thinking that no one will notice your neglect. I have warned you in times past that I suffer with XXXX and am not supposed to be under this stress, so if you're trying to kill me, you failed. 
On one last not, XXXX  and XXXX XXXX of XXXX violated my HIPPA rights to privacy by sending out my medical records with out my consent, so we filed major complaints with the OCR who investigated and contacted them both with warning of this violation, so we, my attroneys and I suppose they have listed these things on your platform as retaliation which is also illegal, we are addressing this also. We are coming after you Equifax in a law suit as well as other charges against you and we are recomending that you you be fined XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars and there are going to be consequences for your lack of attention. 
I AM FED UP WITH YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/2019 - company called from a different number : XXXX, continued to not identify who they were with, or did not leave a message. 

XXXX - company called and did not leave a message, or would not identify who they were with. 

XX/XX/2019 - called from XXXX, did not leave a message, or would not identify who they were with. 

XX/XX/2019 - called from XXXX, did not leave a message, or would not identify who they were with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
In XXXX, 2016 i went to XXXX XXXX VA XXXX XXXX for emergency situation and at that time i was getting my medical insurance, the nurse ask me for all my information and took me to do some medical test. I was in the hospital for under an hr and saw the doctor for less than 5 minutes and i was charged {$2500.00}. At the time i was only XXXX and taken advantage of. It was there responsibility to collect my medical insurance info. And afterwards i didn't get any notice of the debt and they didn't inform me my rights to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive opened a savings and a time deposit account with Chase bank around 3 years ago, as advised by the banker I open the savings account with minimum balance of {$300.00} that wont trigger any service fee. Couple months later I closed the time deposit account and keep the savings account without touching it for the last 3 years and today when I approach the branch to close my savings account and was told the balance remaining only {$190.00} due to monthly service charge of below minimum balance I was surprised I did not touch this account since opened with a minimum balance how came for charged? I was told theres a {$8.00} fee charge to my account one day which trigger the minimum balance lower, but that {$8.00} was refunded to my account a year later! But the balance still requires service fee. I asked since they refund the unauthorized charge of {$8.00} which meant my account should never falls below {$300.00} in the beginning they should refund all the service charge to me but they refuse the reason is because its too long ago. I totally felt I got fooled by a bank, how can I save money in an account resulted in losing money which I hardly conduct any withdrawal, no protection on consumer big bank like Chase make lots of money by eating on my savings. I was forced to close my account to avoid further loss with a remaining balance of {$190.00} only, lost 33 % but would strongly wish you can help me to get my money back. Today is XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
XX/XX/19. XXXX XXXX  with First Financial Asset Management 360 was very aggressive and verbally abusive in a phone call regarding the settlement of a debt. I was helping my brother as a third party payer for a debt he owed. XXXX was belittling and actually began yelling at me when I explained to her that I understand the debt collection business and understand the debtors rights. Lastly, XXXX threatened my brother XXXX XXXX, with suspending his license which I know isn't within her purview Additionally when I requested a recent for my credit card payment the firm refused to provide one, stating the it wasn't their policy to issue one. 

This firm is a bad actor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
This company ERC keep putting collections on my credit report. I have disputed this several times resulting in the items being removed from my credit report only to appear again later making my credit score take a major hit each time. I have sent letters in the past to the 3 credit bureaus and ERC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: LEXISNEXIS
State: GA

Complaint narrative:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My loan, which was with XXXX transferred to XXXX XXXX. 
I was not made aware of this information. XXXX claims to have sent a notice in the mail, although I never received it. This event occurred on XXXX. 

I sent my regular loan payment via bank bill pay in both XXXX and XXXX and did not realize until mid XXXX that both payments were returned to the bank. 

When I called XXXX, after I insisted they do so they emailed me the letter of transfer I never received. 

I then learned the loan servicer was XXXX. I immediately called XXXX- and after an initial wait time of 30 minutes, I got a person on the phone who could not provide me with a new account number. 

I tried using the XXXX XXXX to set up an online account so I could review my statement and information with the new company. 

XXXX  could not provide me with an account number. 
I emailed the customer service 2 times in the past 24 hours and there was no response.

I called again and was placed on the call back list, after 30 minutes the automated system called me back and I finally got in touch with a person.

When I gave her my info, I was placed on hold again - for over 45 minutes! I actually saved the screen shot of the call.. No one ever picked up to help me again. 

So here I sit, almost 60 days since my last mortgage payment was made, and I don't have a new account number from XXXX  because I can not get an answer from them. I'm sure they will get in touch with me quickly when I'm " late '' on payments though and at that point I will refuse to pay any late payments to them. What a joke of a mortgage company. Days of chasing them down and no help, leaving me on hold for nearly an hour twice and not responding to emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: Innovis
State: GA

Complaint narrative:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: ID Analytics, Inc.
State: GA

Complaint narrative:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: GA

Complaint narrative:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

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 2019-12-28 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: GA

Complaint narrative:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: GA

Complaint narrative:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

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 2019-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 I received a letter from the Florida department of financial consumer services notifying me of the liquidation of my current home insurance provider, XXXX  XXXX XXXX XXXX   Two weeks prioir I submitted the renewal check to XXXX XXXX XXXX XXXX   approximately on XX/XX/2019 and they cashed my check. Legally and in good faith the insurance company should have never cashed my checked and should have resubmitted back to me by mail but they did not, instead they cashed the checked knowingly that they weer being shut down by the state. I tried for weeks to get a hold of someone in the insurance agency but had no luck, just a voice mail box to leave your information and call back number and they will call you back. I then called my bank, Bank of America to file a fraud claim, after the entire 90 day investigative period they sent me an email notating that hey denied my claim citing " our investigation of the claim determined that you authorized the transaction ''. WELL Of course i authorized the transaction they were my home insurance providers   for the previous 2 year. Bottom line is that I would have thought that bank of america would definitely help me on this and they did not, I loss a total of {$380.00} as part of the first quarterly down payment, thank god I did not pay it in full like some people do. Beware, I would go elsewhere than banking with bank of america, the supervisors name was XXXX XXXX from the fraud claims department. Horrible experience, I will be leaving them.

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 2019-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This complaint is against LVNV Funding for continuing to report a negative account in the amount of {$910.00}. This account is causing serious damage to my credit score. Please note that I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I am asking for this account to be removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been officially verified as a victim of the Equifax security breach and since last summer of 2018, I have faxed, mailed, and called Equifax about fraudulent credit reporting on the file. Instead of following the FCRA 605B law they refuse to correct their mistakes they have made. I have also been victimized by a roommate who has since moved out. That roommate was making payments during his duration of time so I would not be alarmed. I have filed a Police Report with XXXX XXXX, CA PD and sent more than 5 FTC reports. XXXX and XXXX  didnt cost millions of Americans money through a data breach and they block the fraudulent credit items. Why is Equifax making it hard for a victim to get fraudulent credit accounts blocked?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
I have PAID {$280.00} A MONTH FOR 15 MONTHS THE BALANCE NEVER GOES DOWN THE INTEREST RATE IS REDICULOUS. THE SELLER XXXX XXXX. XXXX IN XXXX, UTAH SOLD A " LEMON AND NUMEROUS VEHICLE PROBLEMS ". XXXX XXXX. XXXX OWES ME!!!! I HAVE TRIED NUMEROUS TIMES TO CONTACT XXXX XXXX. XXXX AND THEY HAVE YET TO CONTACT ME. THEY SHOULD " GIVE '' ME AND MY DAUGHTER 2020 NEW VEHICLE 'S ( FROM XXXX DEALERSHIP ) AND XXXX, UTAH PAYS FOR BOTH OUR VEHICLES AS WE WERE DELIBERATELY LIED TO AND OVERCHARGED AND VEHICLES BOTH NUMEROUS PROBLEMS. MY DAUGHTER 'S ENGINE BLEW, MINE HAS COST {$5000.00} BY ME AND {$9000.00} BY MY INSURANCE PROVIDER IN REPAIRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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:
I have been officially verified as a victim of the XXXX  security breach and since last summer of 2018, I have faxed, mailed, and called XXXX  about fraudulent credit reporting on the file. Instead of following the FCRA 605B law they refuse to correct their mistakes they have made. I have also been victimized by a roommate who has since moved out. That roommate was making payments during his duration of time so I would not be alarmed. I have filed a Police Report with XXXX XXXX, CA PD and sent more than 5 FTC reports. Experian and XXXX  didnt cost millions of Americans money through a data breach and they block the fraudulent credit items. Why is XXXX  making it hard for a victim to get fraudulent credit accounts blocked?

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 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Each time I apply for a AMEX card even if my score is XXXX they will find a reason for declining. First I was pre approved and then the decrease decline. I have been a victim of identity theft and XXXX was used to open up fraudulent credit, it has been since resolved. Each time I try to obtain credit they dont give me the chance to provide identity and decision is unable to verify customer. I have a fraudulent alert on my credit report and they dont even bother to call me back at the number or send me a letter requesting more documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: Credit Plus Inc
State: WA

Complaint narrative:
On XX/XX/2019 I requested a credit report from Credit Plus. Nearly 1 week later I received a 7 page credit report belonging to SOMEONE ELSE! I emailed Credit Plus and did not receive a response.

Company response to consumer: Closed with explanation