vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX my brothers unemployment direct deposit was received on my CashApp as he intended. On XX/XX/XXXX my direct deposit had finally come through. Then on XX/XX/XXXX a few of my transactions were cancelled for my protection, and on XX/XX/XXXX my account was suddenly frozen. I have yet to receive an email stating the reason my account is frozen. The only form of customer service Ive gotten so far is an automated message from them on XXXX saying they would get back with me in 24-48 hrs. That was on the XXXX. I complained with the CFPB before, but whoever replied on behalf of CashApp assumed I had received an email already from them. The email should contain instructions on what information CashApp needs from me to unlock my account. Just please help me access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have had serval accounts open in my name due to identity theft. I had filed disputes and submitted aN FTC report and still XXXX  had not removed these items! My score keeps going down and down! All the other credit bureaus has deleted these items but XXXX! I need these items to be deleted!! They are hurting my score and keeping me from getting a apartment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
You can't connect the account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
To : Direct Express Re : Disputed transaction denied Date : XX/XX/2020 To whom it may concern, On XX/XX/2020 a fraudulent debit was made to my card in the amount of {$790.00}. to a merchant named XXXX XXXX ( apparently a tattoo parlor. ) I am a SS recipient so this loss impacts me greatly. I filed a dispute on XX/XX/2020 when my loss was noticed. On XX/XX/2020 my claim was denied.and the only reason given was " conflicting information ''. I can't imagine any conflicts as my written report of details was straight forward .. Since the call center would not give me details of their findings I have no idea how my account information was obtained by criminals. I can not imagine that it was my fault. My information was not obtained by my carelessness or willful disregard of safe card handling practice. I do not keep any card information nor my SS number on my computer. I always use padlocked secure websites to make purchases and I do not have my pin information written on my card .My card is always carried in my wallet which has a security chain to my belt loop. No one has ever been given my card for use and no one has ever been given my card number or pin..My SS number has only been given to you and the federal government " get my payment '' website. I can not tolerate a debit card which is so easily accessed by thieves with no re-inbursement possible. Unless I receive a prompt re-inbursement for my loss I will have no choice but to take this matter up with XXXX, Comerica, SS and the U.S Treasury. I am shocked and furious over my loss. They stole the better amount of my stimulus check through no fault of mine! Thank you for your attention in this matter once again.. 
Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collections Acquisition Company, Inc.
State: CA

Complaint narrative:
The account reports it was open on XX/XX/XXXX. I was notified via credit alert in XX/XX/XXXX about the account. 
I canceled a service with XXXX XXXX XXXX  in XX/XX/XXXX. I was aware I was sent to a collection agency. I emailed the XXXX director on XXXX XXXX who stated that I was charged for XXXX despite canceling the service. She also stated in the email that the record will clear once the balance was paid. 
I reviewed all of my informed delivery notifications between XXXX and XX/XX/XXXX and I do not have anything from CyberCollect/Payliance. I emailed them on XX/XX/XXXX informing them I did not receive any notices and I am willing to pay provided the account is removed from all 3 bureaus. They did not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have been trying to get this account with credit acceptance updated since XXXX. The account balance on this account is {$0.00} and the account is closed. Im not understanding why this account is still on my credit score as delinquent. I really would appreciate if it either came off or shows my balance as {$0.00}. I have tried to dispute this account 3 times I have submitted documentation showing the account is closed and that the balance is XXXX. Im not sure what else to do to get this account updated.

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 2020-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax hasnt updated my report since XX/XX/2020, I paid off all my credit cards in XXXX and they still showing balances. Equifax is still reporting fraudulent information and addresses that do not belong to me and have yet to provide validation of the fraudulent accounts and addresses that were removed a placed back by Equifax. They are hindering me from my home buying process. They refuse to remove the addresses stating they are attached to accounts and Ive called all my creditors and they have and been reporting my current address. Equifax has replaced fraudulent accounts that were removed on my account without validation or contracts. Below Ive attached info from Equifax showing its fraudulent and not me it clearly shows someone elses name, ID, social, and address. Ive been fighting this account for 4 yrs even tho I have proof it doesnt belong to me. 

XXXX  refuses to remove fraudulent addresses and accounts and refuse to show validation. Ive been fighting with this company for months sent info requested and still no removal. XXXX  also claims the fraudulent addresses are attached to open accounts and thats not true Ive called all my creditors and they have no knowledge of the addresses on my credit file and are reporting my current address. They are also hindering me from closing on my home. XXXX  has replaced fraudulent accounts that were removed on my account without validation or contracts. 

I cant and wont receive any mail at the fraudulent addresses Equifax and XXXX  have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax hasnt updated my report since XX/XX/2020, I paid off all my credit cards in XXXX and they still showing balances. Equifax is still reporting fraudulent information and addresses that do not belong to me and have yet to provide validation of the fraudulent accounts and addresses that were removed a placed back by Equifax. They are hindering me from my home buying process. They refuse to remove the addresses stating they are attached to accounts and Ive called all my creditors and they have and been reporting my current address. Equifax has replaced fraudulent accounts that were removed on my account without validation or contracts. Below Ive attached info from Equifax showing its fraudulent and not me it clearly shows someone elses name, ID, social, and address. Ive been fighting this account for XXXX yrs even tho I have proof it doesnt belong to me. 

XXXX  refuses to remove fraudulent addresses and accounts and refuse to show validation. Ive been fighting with this company for months sent info requested and still no removal. XXXX  also claims the fraudulent addresses are attached to open accounts and thats not true Ive called all my creditors and they have no knowledge of the addresses on my credit file and are reporting my current address. They are also hindering me from closing on my home. XXXX  has replaced fraudulent accounts that were removed on my account without validation or contracts. 

I cant and wont receive any mail at the fraudulent addresses Equifax and XXXX  have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  hasnt updated my report since XX/XX/2020, I paid off all my credit cards in XXXX and they still showing balances. XXXX  is still reporting fraudulent information and addresses that do not belong to me and have yet to provide validation of the fraudulent accounts and addresses that were removed a placed back by XXXX. They are hindering me from my home buying process. They refuse to remove the addresses stating they are attached to accounts and Ive called all my creditors and they have and been reporting my current address. XXXX  has replaced fraudulent accounts that were removed on my account without validation or contracts. Below Ive attached info from XXXX  showing its fraudulent and not me it clearly shows someone elses name, ID, social, and address. Ive been fighting this account for 4 yrs even tho I have proof it doesnt belong to me. 

Experian refuses to remove fraudulent addresses and accounts and refuse to show validation. Ive been fighting with this company for months sent info requested and still no removal. Experian also claims the fraudulent addresses are attached to open accounts and thats not true Ive called all my creditors and they have no knowledge of the addresses on my credit file and are reporting my current address. They are also hindering me from closing on my home. Experian has replaced fraudulent accounts that were removed on my account without validation or contracts. 

I cant and wont receive any mail at the fraudulent addresses XXXX  and Experian have on file.

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 2020-06-01 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was overcharged apx {$140.00} at the end of my auto loan with Wells Fargo auto loan services. I had an ongoing dispute with them regarding this amount for 4 months at the end of my loan period. I finally relented and paid the balance sine I was in the process of purchasing a home and did not want this open balance reflected in my credit report. However a year later I received a refund check and letter from Wells Fargo dealership stating that I was indeed overcharged. However this is still adversely effecting my credit rating and my ability to get a lower auto loan interest rate and refinance on my home

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 2020-06-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was overcharged apx {$140.00} at the end of my auto loan with XXXX XXXX XXXX XXXX XXXX. I had an ongoing dispute with them regarding this amount for 4 months at the end of my loan period. I finally relented and paid the balance sine I was in the process of purchasing a home and did not want this open balance reflected in my credit report. However a year later I received a refund check and letter from XXXX XXXX dealership stating that I was indeed overcharged. However this is still adversely effecting my credit rating and my ability to get a lower auto loan interest rate and refinance on my home

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 2020-06-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian stated that they will investigate my issues on my credit report regarding XXXX XXXX and XXXX XXXX XXXX  XXXX. They have yet to open a dispute to investigate the issue nor send me proof of the validity of my dispute. They have keep incorrect information on my report for 2 months now. I have gone back and forth with them and have gotten nothing resolved.

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 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The ONLY way Im able to access PPP funds is to link my PNC account to my XXXX  account I keep getting the same error that XXXX  wont let me connect to PNC due to whatever security block you have Ive tried manually linking my accounts and it doesnt work either PLEASE explain how Im supposed to be able to get my PPP loan money from XXXX  to you so I can access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA BLOCKS CONSUMERS REPORTING FRAUD FOR UNFAIR FINANCIAL GAIN by " CREATING *new accounts " AND " LEAVING *not resolving fraud " CONSUMERS ARE LIABLE FOR FRAUD. My Complaint is Against USAA ID THEFT POLICY. I reported Ideninity Theft see attatched CLAIM DATE XX/XX/XXXX {$470.00} CREDIT CARD FRAUD CLAIM letter dated XX/XX/XXXX INVESTIGATION COMPLETED PROVISIONAL CREDITS MADE PERMANET. Statues Require Fraud Resolved in 2 billing periods is Ignored. USAA HAS NOT PROVIDED PERMANET CREDITS FOR THIS FRAUD YET. I COMPLAINED XX/XX/XXXX NO CREDITS PROVIDED YET. I was sent to the ID THEFT DEPT spoke to XXXX who claimed he made a report. Suddenly, * After our Convesation USAA REFUSED TO AUTHENTICATE ME NO ACCESS TO ANY DEPT REQUIRING I REBUILD MY PROFILE BY SENDING A DRS LICENSE. ** Kindly Note I DISCOVERED I DID NOT OPEN THIS ACCOUNT. I DID NOT SEND IN MY LICENSE. USAA EVENTUALLY GAVE ACCESS AGAIN. see attatched 1099-C CANCELLATION OF DEBT IRS MC XXXX Kindly Note CLEARLY STATES BOX 5 Borrower " WAS " Personally Liable XX/XX/XXXX. USAA DID NOT CLOSE THIS ACCOUNT REPORTED IT DELIQUENT AND SOLD IT. ** THIS OPENED NEW ACCOUNT MC end XXXX FRAUDULENTLY & Visa XXXX XXXX FRAUDULENTLY. XX/XX/XXXX I am able to be Authenticated again AFTER USAA ID THEFT BLOCK WAS PREVIOULY IN EFFECT and I call in to ID THEFT TO REPORT MC end XXXX Explaining to XXXX Usaa Rep all the above I DID NOT OPEN THIS ACCOUNT and I am told to call back to another deptment. I CALL XXXX WALL!!! I call back and I AM UNABLE TO BE AUTHENTICATED ONCE AGAIN REQUIRING ** I SEND MY DRS. LICENCE ON AN ACCOUNT " I did NOT OPEN " Some old fraud was just paid by usaa XX/XX/XXXX {$460.00} AFTER THIS ID THEFT ACCOUNT IS DELIQUENT as the XXXX Account. USAA BLOCKS CONSUMERS RESOLVE OF THEFT AND CREATES MORE THEFT OPENING FRAUDULENT ACCOUNTS See attatched ID THEFT case XXXX USAA COLLECTS ON THIS BLOCKED ID THEFT ACCOUNT ILLEGALLY. IT WAS ILLEGALLY OPENED USING MY PRIVATE SECURE DATA OF ACCOUNT CLOSED CANCELLATION DEBT MC end XXXX XX/XX/XXXX. They need Drs License??? They know I DID NOT OPEN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MD

Complaint narrative:
The whole process of getting a credit card after filing ch. XXXX bankruptcy is baloney. I could get a car but not a credit card? That's XXXX. THINK ABOUT IT -- since filing the ch. XXXX bankruptcy I have been inundated with junk mail to get me to buy a car with NO CREDIT baloney. A CAR?? Gas money? Repair money? But NO CREDIT CARD to help pay for those things? It is XXXX. Legal Aid provided a free clinic about filing ch.XXXX  bankruptcy and told attendees to expect all the offers after filing for bankruptcy -- including credit card offers with crushing finance rates. HOW is a person in a financial hole supposed to get out of it if the person is then BURIED in more XXXX like that? And I noticed a bunch of shady types at the meeting of trustees -- ready to pounce on people who had filed for bankruptcy. And the meeting was at a hotel by XXXX car dealerships. THAT was XXXX. This whole bankruptcy thing is a scam for lawyers and car dealers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
According to XXXX, PNC has made a change that doesn't permit them to connect with my bank. This is an extremely inconvenient issue, as I use XXXX to pay my rent, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XX/XX/2020 NELNET XXXX. XXXX  XXXX Re : ( Student Loan Debt ) Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2020, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 

Thank you very much. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello! To whom it may concern ; on XX/XX/2020 I sent out dispute letters to Experian regarding a collection account that was not accurate or verified on my credit report listed as XXXX XXXX  ( XXXX  ) stating that I owe a {$0.00} balance and a loan amount {$1300.00}. This account is completely untrue and inaccurate and Experian did not even respond to me about the dispute. Not only did they not respond to me within 30 days, but they did not address this with me at all to let me know they verified it nor give me the documentation to prove to me that this is valid. Please have them to remove this item off of my credit report immediately. Thanks

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 2020-06-01 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: IN

Complaint narrative:
On XX/XX/XXXX, I mailed Experian a letter disputing 3 accounts such as : XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX. On XX/XX/XXXX, I received a letter from Experian in response to my dispute advising the credit items for XXXX  and XXXX  XXXX has been deleted from my report, but XXXX XXXX remains due to the company certifying the info. is accurate. So on XX/XX/XXXX, I mailed a certified letter to Experian requesting that they provide their Method of Verification, the name, address, and phone number of the person contacted regarding this alleged account, and any documents provided by the company, bearing my signature, showing that I have a legal binding contract with the company and that I am obligated to pay them the exact amount claimed in my file. To my surprise on XX/XX/XXXX, I received a response from Experian advising they will not be reinvestigating my dispute because the creditor has already verified the accuracy on this account and they are claiming the info was obtained from a public source, such as a court or government office. They are also asking me to provide additional info to support my claim and then they will reinvestigate ; I don't have any information on this account because clearly I don't recognize this creditor which is why I sent my initial dispute and which is why I would like to see the signed contract by me with this company obligating me to this account and this exact amount claimed.

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