vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CO

Complaint narrative:
I had charges on my bank debit card starting on XX/XX/2019 for a 5 day hotel stay that turned into a nightmare and fraud. I stayed only one night and have trying for months to get ahold of US bank to get the charges removed. They removed them initially then out them back on because my paperwork wasn't received in time. I have been contacting them for at least 2 months to resend the paperwork. Someone finally called me saying there is nothing they can do .unbelievable for a public bank. I even go into the public branches and they seem clueless how to help me get the form. In my opinion this is fraud. I get hung up on when I call their customer service or transferred to the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I was approached by an online seller to use the " Cash App '' by Square as they could use the funds immediately to ship my product. Working in the financial services industry, I loaded up the app and found I was able to pay with my debit card so I decided to do the transaction. I was not greeted by any terms of service, nor was I told that the funds would be non-reimbursable. XXXX, a similar competitor using bank accounts, strictly tells you every time that most transfers are not able to be returned. So I felt safe and proceeded as I figured this was just Square 's version of XXXX. I made the payment but I immediately started getting concerned as the online seller would not produce a shipping number. I still have not received the items. I contacted my bank ( XXXX XXXX ) and started a Reg E fraud claim on XX/XX/XXXX but they stated that I would have to contact Square as they viewed it as a transaction with Square and that the end user would be Square 's responsibility ( on XX/XX/XXXX ). I attempted to contact Square multiple times but their phone number only refers their merchants to use their number and without this number I can not get through. Square is acting as a merchant servicer and they are not providing protections for the users. Furthermore, there is no way to report a user for fraud. Square is not doing their part to protect users. The amount was for {$330.00} and the product I was purchasing was a used XXXX XXXX and some games.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid money to PayPal for a purchase from XXXX ... .I paid from my XXXX  on line account ... I did this on XX/XX/XXXX ... .PayPal sent me an email that I did not pay and that it was due ... .so I sent another payment to them on XX/XX/XXXX for the same amount ... both amounts were deducted from my account ... .I have requested the over payment to be sent back to me ... and I get the run around and lies and automated results that absolutely do not help ... I have talked to supervisors who promise to call me back ... but nothing happens ... for some reason one of the payments went to PayPal credit where I do NOT have an account and they do not help me either ... .I sent copies of the problem written down by me ... .copies of my bank statements ... copies of their emails telling me they have my two payments ... but I get no help getting my extra payment back ... I realise the amount which is {$41.00} May not he much to some people but we live on our social security and they have been horrible to deal with ... some how XXXX Back is involved with this issue too as they hold PayPal Credit services ... I need help ... .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Avant Credit Corporation
State: AL

Complaint narrative:
Non-stop phone calls ( from different numbers that change ) at all times of the day. Before XXXX XXXX ( many instances, one was on XX/XX/19 at XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute with Equifax # XXXX on XX/XX/XXXX. I received an email XX/XX/XXXX stating that the dispute was resolved however to this day their website wont allow me to see the results and the mail they claim to have sent I never received. When I call I'm on hold for a few hours before they disconnect the call. I disputed a bill from a collector providing them receipt of payment from the original creditor XXXX  XXXX and they have done nothing. 

XXXX XXXX XXXX XXXX XXXX  Credit Reporting Agency Equifax Original Creditor XXXX  XXXX XXXX Fl

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a complaint as an update on my previous complaint of a fraud charge in the amount of XXXX that appeared on my card on the XXXX of XXXX. I contacted citi and they pushed it through and put a credit stating " security investigation '' on it. They are telling me there could be a charge back on my next statement!!! I honestly do not know what else I can do but I DID NOT make this huge charge and will NOT pay it! I have taken steps with multiple contacts to the merchant- the XXXX/XXXX  and they keep pushing me off to other people and say I have to deal with citi , however citi is not handling it properly. I don't know how much more clear it could be that a whopping XXXX purchase is not mine- I don't ever buy train cards in huge amounts or even make XXXX dollar purchases! I am filing a police report tomorrow but nobody seems to be helping me. Citi 's site says 0 liability for fraud- which this CLEARLY is and so there should not be a " chargeback '' on my next statement. This is causing me a lot of stress and I have no idea how this person stole from me but again- I DID NOT make this purchase. I have 0 evidence that I can provide since I wasn't there and they tell me it was made at XXXX in the morning when I was in bed! Citi is acting unethically and not filing it as fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: AZ

Complaint narrative:
Initially I was informed by XXXX that a debt was discharged on behalf of XXXX XXXX ' which I have no affiliation with. This dropped my credit score from XXXX to XXXX, just as I was preparing to purchase a new car, causing financial harm via increased credit rates. 

Now I understand it is from a company by the name of 'Professional Credit Service XXXX -- this is outright fraud. 

It appears they are attempting to collect on a debt in violation of Know Your Customer laws ; I did not consent to any account with either Consumer Cellular nor Professional Credit Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my credit report I noticed several inquiries that I never authorized. I've complained about this before and have not received any resolution as of yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I found the balance in the car loan was not accurate after I attended XXXX XXXX a financial meeting to check my credit. Debt validation letter was sent on XX/XX/2019 by certified mail. They just respond XX/XX/XXXX requesting additional information, after that I called to provide my personal information in XXXX and they said they will send all detail information about the balance in XXXX weeks or so. No response was received then call was done in XX/XX/XXXX and XX/XX/XXXX and spoke with different representatives that said they will verify the status of my request, call me back and send the paper work by mail, but no response or call has been received so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Transunion, XXXX, and XXXX  This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

Please note there are several errors on my credit report. 
1. I have never lived at XXXX XXXX XXXX, XXXX, CA XXXX ( please remove ) 2. I have no previous address of XXXX  XXXX  XXXX, XXXX, CA XXXX ( please remove ) 3. I have never lived at XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( Please remove ) 4. I have never worked for SSA ( please remove ) 5. XXXX XXXX XXXX has consistently reported incorrect information. The date of last payment was not XX/XX/XXXX. This is an attempt to keep a debt on my credit report for longer than 7 years. ( Please remove ) I officially dispute this debt in its entirety. 
6. XXXX XXXX I am disputing this debt in its entirety. 
7. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 8. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 9. Please remove phone numbers that I do not recognize and were not my telephone numbers. 
a. XXXX b. XXXX c. XXXX d. XXXX e. XXXX f. XXXX g. XXXX h. XXXX i. XXXX j. XXXX Thank you, 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 explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
The original amount has been changed. I do not believe the amount being asked to pay is in accordance with the original agreement. I want to see the original agreement from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank has offer for sign up for XXXX a service and get XXXX $ cash back. XX/XX/2019, we signed up for the cash back offer and we also signed up for XXXX home security. Chase said they couldnt honor it because of how the payment was ran. So we ended up making another payment on XX/XX/2019 even though we were paid for XXXX into XX/XX/2019. 15 business days from then would be when I should expect money deposited into my checking account for the promotion. At this point, I have been calling for over two weeks and have still not been honored the promotional money. Two cases have been filed ( the second one prolonged things by 2-3 business days ), and despite what the Chase customer Service Representatives tell me, I still have not been called until this week. A lady from this mysterious Online Products Department called me during my work hours and I missed the two calls but i immediately called her back. I have left several repeat messages. yesterday I spoke with a manager in the customer service department who offered another case be filed and that I would get a call back today which is XX/XX/XXXX ... I declined because opening a case seems to prolong things. Chase Bank has still not honored the promotion and no one can tell me anything. According to Chase customer service representatives, the department that deals with online promotions doesnt take incoming calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am not sure I am writing the correct agency, or if there is any specific government contact for help with my problem. 

I graduated XXXX University, a XXXX school, in XX/XX/2009. From the way the speakers at assembly and the faculty made it sound, I would pay off my loans in no time at all. I'm sure some graduates did, but despite a decent income I am completely struggling to. My loans are more now than when I graduated, despite me paying as much as I could and never missing a payment. 

I have extremely high student loans. They are at 6.8 % interest. Many months I don't even pay anything other than interest. By the time I get to 25 years ( about 15 years from now ), they will be well over {$200000.00} still because the interest alone accrues so fast I can't pay enough to keep the principal from growing. I have made 10 years ( nearly ) of on-time payments. 

I can not find any company or lender willing to help me because my loans are too large and I am honestly not sure what anyone can even do to help me. As it stands now I will be eligible to have the principal balance " forgiven '' after 25 years of on-time payments, but I will be taxed on that amount as income for that year. That will be a HUGE bill. 

Supposing I am somehow able to save for retirement while also paying more than $ 1,000+ every single month until then, then I will have to give up all that savings to pay the tax bill for the " forgiveness ''. I will be broke as I hit XXXX, if not in a situation where I don't even have enough savings to pay that bill when it hits me at the 25 year mark. So I may very well be bankrupt. 

Sorry for the long email. I am not sure you or your office can help me. I have been trying to game this out and figure out some sort of plan for a few years, but haven't come up with much. I am open to any advice you may have, or other contacts or offices you think I am do well to email. My loan company, NelNet, hasn't done anything that I know to be wrong, although I am not aware that I signed enough promissory notes to have this much of a loan balance, and I don't have any copies of these notes, so I have to trust that the actual original balance was as high as it was supposed to be. I am not sure how I got such high interest rates, or if any program exists to allow me to lower them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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:
XX/XX/2019 - deposited a check in the amount of {$3000.00} to my checking account through ATM after the deposit was completed, I was advised the check would be on hold until XX/XX/2019 ; approx. 7 business days Following my deposit I called the bank and was advised there was nothing I can do.

1 ) My issue is that prior to accepting the deposit bank should let you know that funds would be held.

2 ) Secondly, the holding time is excessive 3 ) my rent is due on XX/XX/XXXX and will face a penalty of {$50.00} because I will not have the funds 4 ) i had set up payments to come out of the account, which the back returned and imposed overdraft fee Had I known the deposit would be held for so long I would made the time to visit a branch and cash the check of find other means to receive my funds.

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To XXXX XXXX, and Equifax This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

Please note there are several errors on my credit report. 
1. I have never lived at XXXX XXXX XXXX, XXXX, CA XXXX ( please remove ) 2. I have no previous address of XXXX XXXX XXXX XXXX CA XXXX ( please remove ) 3. I have never lived at XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( Please remove ) 4. I have never worked for SSA ( please remove ) 5. XXXX Card Services has consistently reported incorrect information. The date of last payment was not XX/XX/XXXX. This is an attempt to keep a debt on my credit report for longer than 7 years. ( Please remove ) I officially dispute this debt in its entirety. 
6. XXXX XXXX I am disputing this debt in its entirety. 
7. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 8. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 9. Please remove phone numbers that I do not recognize and were not my telephone numbers. 
a. XXXX b. XXXX c. XXXX d. XXXX e. XXXX f. XXXX g. XXXX h. XXXX i. XXXX j. XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To XXXX   Experian, and XXXX This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

Please note there are several errors on my credit report. 
1. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( please remove ) 2. I have no previous address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( please remove ) 3. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Please remove ) 4. I have never worked for SSA ( please remove ) 5. XXXX Card Services has consistently reported incorrect information. The date of last payment was not XX/XX/XXXX. This is an attempt to keep a debt on my credit report for longer than 7 years. ( Please remove ) I officially dispute this debt in its entirety. 
6. XXXX XXXX I am disputing this debt in its entirety. 
7. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 8. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 9. Please remove phone numbers that I do not recognize and were not my telephone numbers. 
a. XXXX b. XXXX c. XXXX d. XXXX e. XXXX f. XXXX g. XXXX h. XXXX i. XXXX j. XXXX Thank you, 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