vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/2021, I tried to purchase a phone case from a company XXXX XXXX XXXX XXXX XXXX that is based in the XXXX. I have made two other purchases from this company in the past without any issues. 
I did use a traditional bank to process those though. 
I am not sure why, WiFi connection perhaps, but the initial transaction was attempted six times. Each declined. 

I also tried to use a third party ( XXXX ) to process the order in an effort to add further protection to my account. This also was declined. 

I reached out to CashApp on multiple occasions to ask why, only to get a generic " suspicious activity '' reply. Never did I get anything further from them other than an endless runaround. 

After much dialog, and validating their policies, I made another attempt to purchase the case. Again being denied my purchase. 

Their policies plainly state : " You can now send or request Cash App payments with friends located in the XXXX. 
When you send a payment outside the US, Cash App will convert the payment from USD to GBP based on the mid-market exchange rate at the time the payment is created and your recipient will receive the funds in GBP. 
There are no fees to send or request payments with friends in the XXXX. '' From the policies of the vendor I was planning to purchase from, they state : " All prices of our delivery services on the Website are stated in either XXXX, XXXX or XXXX. Shipping terms are associated with your country and include any applicable VAT or sales tax payable. Delivery charges will be calculated during the checkout process. '' And while I have never left the area that I live, they even went so far to say : " This is XXXX with Cash App Support, thank you for reaching out. I understand how important it is for you to resolve this issue. Don't worry about it, I'll be glad to assist you After reviewing your account I would like to share with you the following information. 
We currently do not support Cash Card payments, ATM withdrawals, or other Cash App features while in XXXX XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, or internationally at this time. 
I do not have any new information to provide regarding this issue. Please review the information in our previous emails to understand how to move forward. 
For questions or concerns outside of this case, please reply back to me here. 
If you have any further questions please let us know, We'll keep an eye on your response. 

Warmest regards, XXXX '' This has proven to be the most frustrating issue to get to the bottom of as you can only reach them via email. Which leads you to a new person EVERY SINGLE TIME! 

This goes beyond ethical on so many levels!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2021 I, consumer XXXX XXXX received a letter dated XX/XX/2021 from LVNV Funding LLC attempting to collect an alleged debt. I did not request for them to send me any mail to my home or place of work. I am highly concerned about the safety and integrity of my privacy and I am disputing this alleged debt from the mentioned debt collector in pursuant to 15 USC 1692g. I strongly believe LVNV Funding LLC is in violation of several federal laws including but not limited to 15 USC 6801. They did not have my permission to have any access to my personal information and the access they have does not bring any value to me as consumer. I have material evidence that shows where they violated the federal law and used misleading tactics to attempt to deceive me into paying this alleged debt. The communication I received from LVNV Funding LLC violates 15 USC 1692c and is highly inconvenient to my peace of mind and privacy to my abode and place work. LVNV Funding LLC also violated 15 USC 1692b ( 2 ) stating to me the consumer by mail that they are attempting to collect debt several times in the postcard. The postcard that was sent to my address by LVNV Funding LLC was also in violation of 15 USC 1692b ( 4 ). LVNV Funding LLC used a branded logo on the postcard that was sent in the mail to my address that indicated they were in fact in the debt collection business which violates 15 USC 1692b ( 5 ). The language that was used in the postcard sent from LVNV Funding LLC was obscene and profane and did not bring any value to me the consumer, and the language used in the contents threatens to harm my reputation which violates 15 USC 1692 ( d ) ( 1 ) and 15 USC 1692d ( 2 ). LVNV Funding LLC posted discounted advertisements in the contents of the postcard to coerce me into paying the alleged debt which violates 15 USC 1692d ( 4 ). LVNV Funding LLC showed a positive balance in the contents of the postcard that was allegedly owed on. I am not sure how or why anyone would pay on a positive balance. Therefore the debt collector is in violation of 15 USC 1692e ( a ) and 15 USC 1692e ( 10 ). In the contents of the postcard, there were several mentions of other persons named as the debt collector as well as LVNV Funding LLC. They are violating 15 USC 1692e ( 14 ) and 15 USC 1692f ( 8 ) with these actions. The fact this deceitful postcard was made by LVNV Funding LLC and sent to my abode and place of work violates 15 USC 1692j. It is fact that LVNV Funding LLC violated several federal laws against me the consumer and it is fact that LVNV Funding LLC has a civil liability under 15 USC 1692k ( 1 ) ( a ) to provide a remedy for the damages and inconveniences they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I received a letter in the mail from Capital One about mu online request for pre-approval that had been denied. I have 3 Capital One accounts currently and did not apply for anything else from them. I called Capital One and they said they do not have any way of tracking if there was a letter sent out to me and that there was no credit applied for. I also submitted a police report since someone used my info to file for unemployment insurance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
Kay jewelers erroneously reported 30 day late for XX/XX/2020 which was due to covid19 disaster. I didn't receive payment voucher, tried making pmnts online and via phone all with no avail due to their staff shortage .... Later, Kay stated they were NOT going to report any lates, however they did .... It has damaged my credit and this late is not due to my fault or negligence. Kay jewelers was supposed to follow CARES ACT rules and regulations and NOT report this as derogatory ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over a period of six months, I have been trying to close my CitiGold bank account and they have either ignored my request., promised it will be close and didn't. I have placed at least 6 calls to the customer service department and every-time they explain to me their account closing procedure, I do follow it to later receive calls from agencies saying that I have an overdraft. 

There is nothing special about my account, and I now believe this could be a systematic process at CitiBank for people that want to close their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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:
There are 8 accounts that are not mine they are on my credit report I have disputed them I have reached out to the bureaus and nothing is being done I am tired of this and going back and forth I need help. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX BANK XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Inquiries Creditor Name : US SM BUS ADMIN ODA Inquiry Date XXXX XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX  CARD Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry date XXXX XX/XX/2020 XX/XX/2020

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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This complaint is in response to complaint # XXXX. Your claim that there is an unauthorized party in my complaint is totally false and baseless. I submitted my complaint on behalf of myself and even have an affidavit of truth under the penalty of perjury notarized in my documents so this complaint was clearly submitted by me. Funny when you know the law Experian likes to send out stall responses instead of complying with Federal Law and addressing facts, however I will not be deterred as I am resubmitting my original demand and Experian needs to address the facts I have presented. 

The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. EXPERIAN has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLEGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also demanding to be compensated via check {$1000.00} per violation totaling {$15000.00} pursuant to 15 USC 1681n.

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 2021-04-07 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: NH

Complaint narrative:
1 : ) XXXX XXXX Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted XXXX  multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with XXXX  multiple of times in excess of 4 times from XXXX up until now, XXXX. XXXX  and Transunion has stated this multiple of times : That the data furnisher says that XXXX XXXX 's reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. 

XXXX told me they will report it correctly ; however, this did NOT happen. 

I believe that XXXX XXXX, XXXX XXXX  and Transunion 's are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.

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 2021-04-07 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: NH

Complaint narrative:
1 : ) XXXX XXXX Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted Experian  multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with Experian  multiple of times in excess of 4 times from XXXX up until now, XXXX. Experian  and XXXX  has stated this multiple of times : That the data furnisher says that XXXX XXXX XXXX reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. 

XXXX told me they will report it correctly ; however, this did NOT happen. 

I believe that Experian 's, XXXX XXXX and XXXX XXXX  are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.

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 2021-04-07 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I already reached out to the credit bureaus and to AMEX for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: NV

Complaint narrative:
XX/XX/2017, XXXX, {$1200.00}, Americollect is saying I owe them. This debt has been removed off of my XX/XX/XXXX account. Fraudulent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Phone number called XXXX XXXX ) XXXX WED XX/XX/XXXX. XXXX refused to help.or give me any helpful information about there company or what they do are doing with my credit. I called several times and was just hung up on once they realized who I was. The only information that was given by the company was that they had every right to pull my credit but then said if I don't know who they are already they won't give me ANY more information about my referenced " account '', who they are, what they do, where they are or any more help at all. The only name I got was supposedly a supervisor named XXXX and the company name is XXXX XXXX. But on my credit report the company name is XXXX XXXX in XXXX Arizona, XXXX XXXX XXXX, Zip XXXX. It took me over an hour an a half to get this much information. All representatives I spoke to treated me hostility, the first demanding financial information from me to continue to speak with her but refused to tell me what it was for. 
Report was pulled XX/XX/2021. 

I still am not sure what this company is or does it why they pulled my hard credit report in the first place. I am also not sure as to there real location or why I have two names for.the company. 

Thank you for your time and looking into this.

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 2021-04-07 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:
There are 8 accounts that are not mine they are on my credit report I have disputed them I have reached out to the bureaus and nothing is being done I am tired of this and going back and forth I need help. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXX/XX/XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XX/XX/XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXX Account Number : XXXX Reason : Unverified account Inquiries Creditor Name : US SM BUS ADMIN XXXX Inquiry Date XXXX XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry date XXXX XX/XX/2020 XX/XX/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 2021-04-07 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:
There are 8 accounts that are not mine they are on my credit report I have disputed them I have reached out to the bureaus and nothing is being done I am tired of this and going back and forth I need help. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XX/XX/XXXXXXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : Unverified account Inquiries Creditor Name : US SM BUS ADMIN XXXX Inquiry Date XXXX XX/XX/ Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/ Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA Account # XXXX for {$49000.00} and USAA Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I already reached out to the credit bureaus and to BRCLYSBANKDE for the account number XXXX and XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

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