vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: ME

Complaint narrative:
I have made a complaint concerning this already, but US Bank did not do its due diligence in investigating the matter. Specifically, no one over there seems to be able to look at the BILL PAYER side of things. If someone can actually access that portion of their system, they will immediately see that what I'm saying is true. 

To reiterate and expand upon my complaint : On XX/XX/2020, I tried to send {$250.00} to a specific credit card I have with XXXX XXXX XXXX. When I clicked to complete the transaction, I got a message saying it failed. I immediately tried to do it again. It failed again. That was in the very early hours of the morning ( likely between XXXX XXXX  and XXXX XXXX EST ). I planned on trying again later, but before I got the chance, {$250.00} came out of my account at XXXX XXXX  EST. I didn't authorize that. Moreover, the transaction did NOT show up on the bill payer side. I waited a number of days to see if the money would make its way to the correct destination, but it never did. I contacted XXXX XXXX  XXXX about this. They sent a letter confirming that the money is NOT in their system. 

This next part is important because it confirms this is a US Bank issue. Exactly one week later on XX/XX/2020, the BILL PAYER side of the system tried to take out {$250.00} and send it to the same credit card. Once again, the attempt failed. Nothing changed on the " Activity '' side of the US Bank card. 

The letter I previously received from US Bank says their systems indicate the amount was debited from my account, but that does NOT address the issue. I can see that it was debited. But if this transaction was done properly, then I should ALSO have a record of {$250.00} coming out on the BILL PAYER side. I don't see that. In contrast, I can match up literally every other BILL PAYER transaction with every debit under the " Activity '' side. This is the sole exception. 

Here are the reference numbers listed on the BILL PAYER side under " Payment History ''. 

XXXX - This is the FIRST reference number for XX/XX/2020. 

XXXX - This is the SECOND reference number for XX/XX/2020. 

XXXX - This is the THIRD reference number overall. It is for XX/XX/2020. I did not attempt this. 

It is abundantly clear that this is an issue in US Bank 's system. That is the only reason there would be an attempt to take {$250.00} out of my account exactly a week after the initial failures. Furthermore, US Bank should be able to sync up the first two failed attempts. Once they do that, they will see that the time for those doesn't match the time ( XXXX XXXX ) when the money left my account ( and went into some computerized netherworld ).

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 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX i had {$940.00} in my XXXX XXXX  ACCOUNT I received 2 deposits in my XXXX account from a unfamiliar company ( Provisonal Credit Dispute ) is what it shows on my bank statement for the Amount of {$120.00} & {$250.00} I didnt recognize or authorize I contact XXXX while on hold at XXXX the amount of {$1300.00} is shown being transferred from my XXXX XXXX  Account to MY CASH APP ACCOUNT which is linked with my XXXX account My cash app account had {$45.00} in the account at the time at XXXX the entire balance in my cash app {$1300.00} was cashed out to a MasterCard debit card ending in XXXX not my card or account I have no idea who card that is & I have tried to resolve this matter with both banks cash app & XXXX no one is helping me Ive been told 10 business days from XX/XX/XXXX an still no response I can provide any info needed to help me get my funds back neither bank is responding to me an now the XXXX account is in a negative - {$240.00} Ive asked XXXX to close the account an still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: Byrider Franchising, LLC
State: NC

Complaint narrative:
The Company CNAC, XXXX XXXX XXXX XXXX, XXXX NC, XXXX - Ph. XXXX reported to the Credit Bureau that they repossessed a vehicle that I began paying payments on in 2015, and paid the vehicle off early that the extended contract was written for. The following year when I applied for a VA loan to purchase a home, I learned of the report of the repossession. I contacted CNAC and the manager explained to me that the repossession was reported in error. The manager, XXXX XXXX, wrote me a letter explaining the repossession was an error by the company, and in the letter she she explained that anyone with questions could contact the company at the above address and telephone number. This has had a devastating impact on my finances and my living situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX NC XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: WA

Complaint narrative:
I have revoked authorization to debit my bank account with quadpay on numerous occasions and they refuse to and continue to try to debit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: DC

Complaint narrative:
My wife and I applied to refinance our home 's mortgage. We were hoping to reduce the interest rate on the loan. We applied for the loan through LoanDepot. We were approved for the loan, and paid all fees and cost, including {$500.00} for the inspection. Then we heard nothing. I tried contacting the LoanDepot loan officer ( XXXX XXXX ), and he responded several times, telling me that the loan was fine, and with the " underwriter ''. Then I received and email from LoanDepot informing me they had discontinued processing the loan, and asking if I would fill out a survey describing my " experience ''. Getting ripped off for several hundred dollars is never a good experience, but it is memorable. 

I immediately contacted the LoanDepot loan officer ( XXXX XXXX ) asking what had happened, and was I really out several hundred dollars. He told me they had been trying to contact me, to set up the closing, but I hadn't returned their calls, so the canceled the loan. I reminded him that I had been emailing him asking where the loan stood, with him always assuring me it was fine and in the underwriting process. If they were trying to call me there was no record of any incoming calls on my phone, the loan officer never tried to reach by email, and the time they claim they were trying to reach me was over thanksgiving week. 

After expressing outrage about the horrible service and money wasted with LoanDepot, they ( XXXX XXXX ) told me if I paid some additional fees they would reinstate the loan. Foolishly I did. I never heard from them again. I tried calling the loan officer, customer service, and just the the main line, never being able to get through, leaving a message in all cases, and still never hearing from them. 

My wife and I are very fortunate, and have remained employed during the COVID pandemic. We make very good salaries and have near perfect credit ( 820+ credit ratings ). We were simply refinancing ( no cash out ) and asking for less than 65 % of the home 's value. There is no reason for this loan not to have been made. 

They are a black box and they have stolen several hundred dollars from me, and I have no recourse. They stink. Protect others from LoanDepot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
XX/XX/2020 Colorado housing and finance ( servicer ) failed to pay hazard insurance which is in my contract. Escrow was set up and had funds for renewal but they repeatedly sent me threatening letters claiming I had to personally pay. I had insurance company fax XXXX  XX/XX/2020 to number chfa provided. XX/XX/XXXX I submitted on loansolutioncenter website a request for assistance, and called chfa and they confirmed that it was to be paid. XX/XX/2020 chfa bought lender insurance 3x the price and nother coverage for my family. Communication received was utter nonsense and blaming me or anyone but themselves. They violated several RESPA and TILA statues. Still have no resolution and they have not returned my escrow and have not followed my closing agreement and continue to deny responsibility. According to RESPA and TILA they are to be fined and compensation is due. I can prove letter sent as resolution was filled with false information and their timeliness is beyond legal limit. Please help. I saved all documents. 
I was also charged 2 late fees, during the period of forbearance coverage time. No updated information on any websites or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I sent money to XXXX XXXX last XX/XX/2020 i sent her {$880.00} to purchase a product and it turns out that there are no product at all. I asked her to get my money back but she didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2020 XXXX XX/XX/2020 XXXX Wells Fargo Preferred agreed account was fraudulently opened and agreed to to delete account on XX/XX/2020 As of XX/XX/2020 with a balance of XXXX which isnt my responsibility since it was fraud is affecting my credit. I have notified all 3 credit bureaus and they continue to report this account as accurate and as my responsibility which is invalid and incorrect. This account was deemed as fraudulent. It must be removed immediately.

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 2020-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal claims that I submitted a chargeback and is billing me XXXX to cover the XXXX chargeback amount, plus a {$20.00} fee. They have sent me emails saying " this is an attempt to collect a debt '' but they refuse to verify/validate the debt or provide any evidence that the debt is actually mine. I did not file a chargeback, and have asked them to dispute within theb30 day window, despite them not advising that the 30 day window was there. I asked for a written validation of the debt with an itemized list of what was being charged, and why they believed I owe it. Paypal refused to provide validation saying that they do not have a way to provide that information. While I wish this could be explained through a scam company, all of this transpired directly through the paypal app 's secure message center. They refuse to verify the debt, or allow me to dispute it. They have also forcefully taken the money they claim I owe from me, without my consent and refuse to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I sent a certified dispute letter to Exeter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit report. I sent another certified letter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit reports ; which I did not receive a response back from Exeter, XXXX, or XXXX. My latest certified letter was sent on XX/XX/XXXX to identify the continuous inaccuracies being reported on my credit report by Exeter. I also requested for Exeter to send over proof that the alleged repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I requested copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle to be provided to me within 15 days from the receipt of the certified mail notice that was sent on XX/XX/XXXX. 

I pulled my XXXX credit report to review, and I noticed that the account has been re-aged and is now reporting a Date of Last Activity as of XX/XX/XXXX with XXXX. I have requested for this erroneous account to be removed from all bureaus on my credit report. There are several inconsistencies and errors that I identified on my credit report. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to Re-age an account. I also noticed a comment on the Exeter account on my credit report that stated a payment was made after the account was closed. This is a inaccurate statement, and I am demanding for this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent proper documentation to each credit bureau about a bankruptcy reporting that is displaying inaccurate, incomplete information. I sent copies of all 3 credit bureaus side by side showing the inaccuracies. You must have a financial amount paid/owed/discharged on a bankruptcy. You must have the correct date of discharged and correct filing dates and all accounts under the bankruptcy that were discharged and the amounts. The credit bureaus failed show this information. The also must have the correct account number and name of the court. They failed to display accurate and complete information that coincides with each other. I showed them that they are reporting differently on each report and they have still not removed the inaccurate information from my credit profile, which is a direct violation of my rights as a consumer.

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 2020-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education
State: MA

Complaint narrative:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: NM

Complaint narrative:
I've called and called I can not get threw to customer service I never received my nm unemploent eppicard for XXXX XXXX adress Is XXXX XXXX XXXX XXXX XXXX NM XXXX there is no option to speak with customer service unless you have a card number I never got a card so how am I supposed to get. 1 it's rediculous my benidirs are posted and I can not. Access funds n m unemployment says they don't issue cards I have to call eppicard directory so I'm out of options my email XXXX please send my card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: PA

Complaint narrative:
I have sent proper documentation to each credit bureau about a bankruptcy reporting that is displaying inaccurate, incomplete information. I sent copies of all 3 credit bureaus side by side showing the inaccuracies. You must have a financial amount paid/owed/discharged on a bankruptcy. You must have the correct date of discharged and correct filing dates and all accounts under the bankruptcy that were discharged and the amounts. The credit bureaus failed show this information. The also must have the correct account number and name of the court. They failed to display accurate and complete information that coincides with each other. I showed them that they are reporting differently on each report and they have still not removed the inaccurate information from my credit profile, which is a direct violation of my rights as a consumer.

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 2020-12-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent proper documentation to each credit bureau about a bankruptcy reporting that is displaying inaccurate, incomplete information. I sent copies of all 3 credit bureaus side by side showing the inaccuracies. You must have a financial amount paid/owed/discharged on a bankruptcy. You must have the correct date of discharged and correct filing dates and all accounts under the bankruptcy that were discharged and the amounts. The credit bureaus failed show this information. The also must have the correct account number and name of the court. They failed to display accurate and complete information that coincides with each other. I showed them that they are reporting differently on each report and they have still not removed the inaccurate information from my credit profile, which is a direct violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: PA

Complaint narrative:
I submitted a copy of my credit report with all 3 credit bureaus side by side to show proof of the inaccuracies and incomplete information that is being reported. Experian sent an immediate response back saying XXXX XXXX came back as a verified. XXXX XXXX is a inaccurate and incomplete account on my Experian and XX/XX/XXXX credit report. They are reporting 2 different payment statuses and comments. XX/XX/XXXXis reporting a charge off and Experian is reporting discharged debt in 3 different kinds of bankruptcies. Experian and XX/XX/XXXX both are reporting incomplete and inaccurate account numbers. No balance, past due and no financial information. They are reporting different dates the account was opened. I have submitted several disputes and the account keeps coming back verified. This account has previously been removed by XX/XX/XXXX This is a direct violation of my rights as a consumer. I have enclosed a copy of all credit reports side by side to view the inaccurate information.

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