vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: OH

Complaint narrative:
ently I reviewed my credit report, and I discovered several inaccurate of my personal information such as my address, misspelling of my name, phone numbers, and erroneous accounts that must be immediately investigated. My credit report does not show my true credit history and these items should not be on my report. Pursuant to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be verified and removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. I am requesting that they be updated and remove that does not belong to me. The following accounts in dispute are listed below : Accounts : US BANK ( # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX ( # XXXX, # XXXX ), XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX Delete Address that does not belong to me : XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX  XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX # XXXX XXXX, OHIO XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX XXXX ( XXXX ) XXXX 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 non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I woke up to check my cell phone this morning around XXXX pst and noticed an email from paypal stating that XXXX ads had charged me for {$170.00} two times. I started to see what was going on, I checked my ads account and noticed 2 payments of {$170.00} had been authorized for some ads. I have TWO paypal accounts linked to my XXXX ads, one was my personal account, and the other was my business. The person seemed to have hacked my XXXX account and got access to my XXXX ads, they set up a bunch of ads to run today ( XX/XX/2021 ), luckily there were no additional charges that went through today. I had taken the steps to change all my passwords. I then proceeded to try an file a claim with paypal via both accounts immediately. They responded within a few hours stating I " authorized '' them to charge me. YES I DID AUTHORIZE XXXX ADS TO CHARGE ME FOR MY ADS, NOT A SCAMMER OR HACKER TO FRAUDULANTLY USE MY ACCOUNT FOR THEIR ADS. Today is XXXX XXXX and now I'm out {$350.00} total. 

I can provide both paypal account information if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and Trans Union. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Refuse to credit my account for refunded purchase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliant Financial Corporation
State: WA

Complaint narrative:
It originally took forever for them to come get their vehicle after they agreed to pick it up. Eventually they came. I believe XX/XX/2015. I could no longer pay for it as it was still hard to find work until it began to pick up in late 2015. After I was able to save enough to pay them a settled amount ( which was a ridiculous amount for a car they got back and I only drove for four months ) they agreed to accept it and remove me from collections and take it off my credit report if I paid that day. Thats what I did. The loan was about XXXX I paid them over XXXX in the settled amount for a car that was worth XXXX. I waited approximately two months for it to be removed and contacted them several times to ask why it was still there and they continued to tell me the credit reporting agencies has nothing to do with them. I finally filed a dispute with the credit reporting agency to find out that the creditor reported that its still supposed to be there. Lawfully yes but thats not what they promised and I didnt get it in writing first! Lesson learned!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2018, Bank Of America made two ( 2 ) payments without my authorization. 
1. XX/XX/18 Withdraw in the amount of {$700.00} 2. XX/XX/18 Service fee in the amount of {$120.00} Both of these charges were only labeledLegal order When I contacted Bank Of America regarding these charges, they refuse to give me information. The the customer service representative asked me to contact the Bank Of America Legal Department. I have done that and its been several months without a response. 

Bank Of America never gave me notice that they were going to dispersed these funds. Essentially, Bank Of America withdrew money without my permission.

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 2021-02-15 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: AES/PHEAA
State: WA

Complaint narrative:
In XX/XX/XXXX, I paid off the full principal on my AES loan as it appeared in the online portal : Payment Amount : {$5000.00} Payment Date : XX/XX/XXXX Since this time, I have continued to receive email bills from AES for {$0.00} each month. When I searched the AES website for why this was happening, there was no option to payoff or finish the loan. The loan did not show a balance in the online portal. In XXXX of XXXX, five years later, AES charged me {$95.00}. I would NOT have left the loan with a {$95.00} balance if I knew that amount was still owed. I did not receive any mail notices for the bill. I received an email but it looked the same as all of the {$0.00} bills I've received for 5 years, which my email account filed to spam. I didnt know about this bill until I checked my credit score for a loan application on XX/XX/XXXX, six months later. When I logged into the AES portal, the payment history confirmed what I remembered : that I paid the full principal as it appeared in the portal. Unfortunately I do not have screenshots of this because AES has since removed my payment history from the online portal ( because I closed the loan ). 

On XX/XX/XXXX I paid this bill in order to stop the bill from damaging my credit more than it already has, even though I'm still unclear as to why this remaining balance wasn't visible in the online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Hello The company who is involved is Specialized Loan Services I spoke with an associate back in XX/XX/XXXX XXXX XXXX XXXX ID XXXX ) and they told me that they will correct my credit report since I was under the law CARE act ( forbearance ). 

I m trying to contact over the phone, but is very difficult to reach an associate, I dedicated more than 1 months of this and finally I get a response from another associate back in XX/XX/XXXX, her name was XXXX and she told me that I need to open a new investigation about the error on my credit reports of late payments and wait for other 30 days ( until XX/XX/XXXX XXXX and after that credit report would be update, that they will correct all the error of all missed payment or default payment on my credit report ( for both borrower XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( wife ) ) because I was in forbearance under the CARE law ( covid 19 ) and also in modification process, apparently someone press the wrong button and send all the payments that was part of the forberance and they marked like default on my credit report, so they will take care of this but they prefer to do it after the modification process was done ( XX/XX/XXXX XXXX. 
Until today XX/XX/XXXX they never call me or send me email with a new status, I try to reach them by email and phone and they never respond ( last week XX/XX/XXXX I finally reach someone from credit dpt and they told me that they will send an letter by mail, with the decision, but nothing happen yet and I still have all the derogatory on my credit report ). I never miss a payment on my mortgage and the only time that happens was under the protection of the law CARE act ( forbearance ). 

I need answers from this mortgage service company, since I have all those defaults on my credit, I m loosing other business opportunities and to do other type of deals in my personal life and is not fair that because their mistakes, I also stop to receive other considerations from creditors. My credit need to be fix as soon as possible, so please help me with this situation. 

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 2021-02-15 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and XXXX XXXX. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I have been trying to attempt to resolve my issue with Cash App. First off, I have funds someone sent me that I can not access because the app is requesting my pin. Well I forgot my pin and when I hit  '' forgot pin '' it ask for my routing and bank account number. I provided my personal routing & bank account number that is linked to my cash app and the app keeps telling me the account doesn't match their records. Maybe they want me to use the routing & account number that is cash app provides on their cash app cards but I do not have that as the card was never sent to me. It is completely impossible for me to reset my pin if the info they 're requesting doesn't match their records. When I ask Cash App to call me, they keep responding by saying go to the app and select  '' phone '' but that is not an option either ... the only option the app is providing is email. THIS IS HIGHLY RIDICULOUS AND FRUSTRATING. I have funds that I can not even access and the funds have been there for almost a month. Their policy states that funds get returned after 14 days but the funds have not been returned to the sender. I would prefer they send the funds back instead of sitting in their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and Trans Union. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, Equifax, and XXXX XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc.
State: NC

Complaint narrative:
This account was paid off and in good standing. All of a sudden I started receiving collection letters for {$77.00}. 
I contacted the company several times and was told the company was generating letters by mistake. They apologized. Several months have gone by. I attempted to call and speak to manager again the week of XX/XX/XXXX. The number called was XXXX XXXX XXXX. Stated on the letter. Someone answered and I could hear a child in the background. I called the local furniture store where I purchased my item at XXXX XXXX XXXX. I was told the manager was too busy to talk to me even though I think a scam was going on in their company. This account was paid off a year ago. It's not even showing on my credit report. It was supposed to closed. I requested for it to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
This is a new complaint filed on XXXX XXXX. 
This information is unresponsive to my demand. So I respectfully request you to remove this incorrect information from my Credit report. Also, I demanded proof I : XXXX XXXX owe You : Caine & Weiner Company, Inc XXXX. The information you provided was not proof I owe you any money. In fact, Caine & Weiner Company, Incs name was not present once in the ledger provided. Furthermore, Every step must be taken to assure the information reported is completely accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi Team, I am writing this in a dispute that I am having with the main credit bureaus. I have accounts on my profile that are not mine. I am a victim of identity theft and I am writing to have these accounts removed or blocked from my credit profile. I am entering a stage in my life where I would like to purchase a house with my husband and it wasn't until recently that I saw these fraudulent accounts on my profile. Please investigate and have these accounts removed immediately. 

Best, 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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
An unauthorized and fraudulent inquiry from CAPITAL ONE dated XXXX has appeared on all three of my credit reports ( XXXX, XXXX  and XXXX ) and has affected them and my scores negatively. I contacted the CPA 's and filed a dispute on this inquiry that I did not authorize. Please investigate and remove this inquiry from each of my credit reports. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
On XX/XX/2016, I was working for a company called XXXX XXXX. Address is XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX Phone - XXXX Owner - XXXX XXXX and XXXX XXXX I was injured at work by a machine that was neglected by the owner. They took me to a XXXX XXXX to get stitches. I was never given any paperwork. Everything was taken care of by XXXX XXXX and he told me it was all through XXXX  XXXX. I had never been through anything XXXX  XXXX  related so I was unaware of how the process worked. Later on I found out he never actually filed anything through XXXX XXXX and committed insurance fraud by lying on the forms. The bill was never paid and I started to receive calls and letters in the mail a year later and have XXXX coming after me for {$1000.00}. Now they harass me calling constantly and even calling my new place of employment! This is embarrassing and humiliating and also wrong and illegal and any debt needs to be resolved with XXXX XXXX and his company XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
My email with PayPal is XXXX PayPal has frozen my account with {$9500.00} on it and they assured me I will be able to withdraw my funds after 180 days. 

On XX/XX/2021 I got email from PayPal saying that my funds were eligible for withdrawal and that I can link my bank or card to withdraw my funds. 

My issue is that my bank and old cards previously linked to my PayPal account have all been closed. 

I have tried linking a new bank or card to withdraw my funds to but it keeps giving me bad signal that there is a problem with my account advising me to contact customer service, but when I do, I have not received a solution to my issue rather than copy and paste replies from One Lady called XXXX from executive office. 

I want PayPal to remove the restrictions of adding a card off my account so I can be able to link a card to my PayPal account without any problem and withdraw my funds. 

I will submit the screenshots of the error message that I want PayPal to take it off

Company response to consumer: Closed with explanation