vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent my mother T-shirt dollars thru the cash app account. She never received it. On Friday I attempted to resolve the issue with cash app. I called them and they attempted some trouble shooting technique that didnt work and told me that they needed me to transfer XXXX dollars to my cash app account so they could verify my transactions and they would give me the place the funds back into my scoping once they were able to verify the transaction. I refused and he said he would need to gain remote access to my phone through quick support app. That didnt work so he ask me to go and purchase a XXXX dollar XXXX XXXX card an give him the code off the back. He stated once he was able to verify it he would refund the XXXX dollars for the XXXX XXXX  card and the original XXXX dollars. When he came back on the phone he stated the he would not be to verify the transaction with the XXXX dollar XXXX XXXX card and I would need to purchase another card with a XXXX dollars on it. I refused and he said there would be nothing else he could do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: NY

Complaint narrative:
as of XX/XX/XXXX, I asked Experian to update the date of the status which reads XX/XX/XXXX which is impossible because if they actually followed the law and did investigate as they claim it would have said the date of status XX/XX/XXXX and it clearly doesn't but they claim its reporting accurately I have disputed this twice and they keep resaying the same thing no change the only thing they changed was payment history and that wasn't the problem

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 2019-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 35 of the attached credit report. ) I fortunately did NOT have to make a visit to the emergency room in XXXX, 2019 as is being reported. I have attached a copy of my identification along with a copy of my insurance card for reference. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. Please remove these line items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: FactorTrust, Inc.
State: TX

Complaint narrative:
I don't recognize this credit inquiry nor did i allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: CORELOGIC INC
State: TX

Complaint narrative:
I don't recognize this credit inquiry nor did i allow it.

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 2019-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: INTEGRAL RECOVERIES, INC.
State: UT

Complaint narrative:
On XX/XX/2019 and XX/XX/2019 I was contacted on my cell phone number from someone named XXXX asking for my husband to call her back at XXXX ext XXXX. She did not express that she was calling in regards to a debt or identify what company she was calling from. My husband has also been receiving these voicemails. There have also been calls made to his work where a woman asked for my husband but refused to say where she was calling from. She was rude to his coworker and as my husband was not available, they did not leave a message, they just hung up on his coworker. Today I called the number they called me from, XXXX and spoke to a woman named XXXX who did not identify the company name until I repeatedly told her that she needed to identify the company they are calling myself, my husband and my husband 's job, from. She finally told me that they are with Integral Recovery Services. When I told her I am going to report them for the harassing phone calls and voicemails where they have refused to identify where they are calling from, she laughed and said who are you going to report this to. I just let her know they will be contacted regarding this. It is inappropriate for a debt collector to not identify where they are calling from, to not even say that this is regarding a debt, to call multiple phone numbers multiple times and then to act rudely towards the people they are calling when we want to know who they are employed with. This has become very disruptive to both my husband and myself, as well as my husband 's job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo Bank NA - XXXX 'XXXX XXXX Credit card I set up automatic payments far above the minimum payment due. These payments would coincide with my pay cycle and thus make the payments earlier and earlier each month. 
Two key parts of this complaint are a. Wells Fargo increases the minimum payment due each month despite the overall balance becoming significantly less. I speculate that once they detect an automated payment source with a consistent amount, they make the new minimum payment slightly higher than the set amount. Example ( current Balance due + {$430.00} ( minimum Payment due + {$100.00} ). My automatic payment is {$100.00}. Now, because of the {$9.00} difference, they can charge a late fee and potentially report a credit delinquency. When this was set up, the balance was $ XXXX AND THE MINIMUM PAYMENT WAS {$40.00}. 
B. ) Wells Fargo applies payments made early to a prior months ' balance instead of paying forward as the next payment due. This too creates an opportunity for them to charge a late fee, when in actuality the payment was 3+weeks early.

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 2019-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 35 of the attached credit report. ) I fortunately did NOT have to make a visit to the emergency room in XX/XX/2019 as is being reported. I have attached a copy of my identification along with a copy of my insurance card for reference. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. Please remove these line items from my credit report.

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 2019-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: PA

Complaint narrative:
I have a loan with lendingclub.com i have moved the payment before to a different date and they charge me extra, i now i have moved the date to a closer date, and they don't want to lower that payment for that moment, this is ok..i have to pay on the XXXX each month, now I move to the XXXX of this on, and is the same amount, should be lower the first month., also i recucest t o lower the interest i see now is to much, and they refuse, what they tell me is to get another loan ... this is right. the interest rate i have is 35.9 % is very high.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
FRAUD SCAM BY PNC CUSTOMER. Inadequate action by PNC. I have been defrauded of {$62000.00} by PNC customer. PNC has not responded to Recall of funds by XXXX XX/XX/XXXX, XXXX fraudster had an account at PNC and, it appears, had not been verified before opening the account. XXXX recalled the money on XX/XX/2019. Facts : On XX/XX/2019, after a fraudulent scam email request from someone impersonating my brother, I transferred {$62000.00} to pay a bill for my brother who sent me PNC bank account details for deposit. On XX/XX/XXXX I realized that it was a scam. XXXX issued a Recall of the money to PNC, XXXX XXXX XXXX XXXX. I reported the scam to the police XXXX XXXX. Police told me PNC may have been aware that the account was being used for fraudulent purposes.The bank draft for {$62000.00}, was sent on XX/XX/XXXX to : XXXX XXXX, Account No : XXXX, XXXX : XXXX, PNC Bank. My questions : Was the money in the scammers account when PNC received the Recall instruction from XXXX on XX/XX/XXXX? Did PNC have suspicions that the account was being used for fraudulent purposes? Did PNC verify identity of account holder? If suspicions about use of account, were appropriate safeguards taken? PNC has not acted to protect consumers and has allowed itself to be used for fraudulent purposes through negligence and lack of adherence to protective protocols in the banking industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
i don't recall allowing this credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 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: TX

Complaint narrative:
i don't recall allowing this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I do not recognize authorizing a credit inquiry from this company

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 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my credit card account a month ago with no forewarning while it had a negative credit balance of {$54000.00}. They have since sent me a check for only {$1800.00}, while the remaining balance is still missing. The bank claims to have refunded that money to a separate bill payment company, whom I have called, and they have told me they have no record of the money being received. Wells Fargo has not provided any reference numbers for me to track down this money or determine how to find the money. 

According to 12 CFR 1026.11 ( a ) ( 2 ) - ( 3 ), the bank is required to refund a negative balance within 7 days of my request, and only by " cash, check, or money order, or credit to a deposit account of the consumer ''. None of these methods of refund were utilized by Wells Fargo. Additionally, I have requested this money be returned for a month now and the bank has not made a good faith effort to return the money to me within the timeframe listed in the statute. I have left voicemails, sent emails, and sent letters via USPS mail all to no avail.

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 2019-07-01 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: TX

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 35 of the attached credit report. ) I fortunately did NOT have to make a visit to the emergency room in XXXX, 2019 as is being reported. I have attached a copy of my identification along with a copy of my insurance card for reference. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. Please remove these line items from my credit report.

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 2019-07-01 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I do not recognize authorizing a credit inquiry from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I do not recognize authorizing a credit inquiry from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I do not recognized this company nor do i recognize giving permission for a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: SC

Complaint narrative:
I made {$45000.00} in payments for a XXXX bmwXXXX XXXX. Toward the end of the lease, I made payment arrangements, but was unable to keep up payments due to unemployment. The lease was for 3 years. In XX/XX/XXXX, I was to turn the car in, nothing due. I received two letters in XXXX and XXXX offering a new car to get a reduced payment from XXXX to XXXX. I asked to turn the car in at that time. BMW said no, it must be a voluntary repossession, even though they were trying to sell me a new car. They came and got the car. At that time I owed about {$4000.00} in lease payments. 

The car only had 27,000 miles on it, and had been appraised for {$31000.00}. 

BMW is now trying to charge me a residual fee of {$30000.00} plus another {$22000.00}. I knew nothing about a residual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: EQUIFAX, INC.
State: ND

Complaint narrative:
Equifax and XXXX are reporting incorrectly ( 60 ) days past due on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: DE

Complaint narrative:
Between XX/XX/2019 and XX/XX/XXXX, I received XXXX phone calls from Discover Card 's Utah call center, with as many as XXXX phone calls on Wednesday, XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX and communicated the situation, namely that the account in question is in dispute, yet I still received over a dozen unwanted phone calls. 

Accordingly, I sent a Cease and Desist letter to discontinue phone contact with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 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: GA

Complaint narrative:
I have reported the following accounts to Experian as disputed and inaccurate Ars # XXXX No Contract- No Verification or Validation of debt amount- No proof that XXXX owns or has a right to collect anything on this account XXXX XXXX # XXXX No contract- No debt verification of Collection amount listed- No proof of ownership or right to collect debt XXXX  XXXX # XXXX No contract - No debt verification or Validation of amount listed- No proof of debt XXXX XXXX # XXXX No contract- No debt validation or verification of debt amount- No proof of debt amount in collection I have enclosed documents showing that these accounts are being reported inaccurately and should be deleted. I have filed complaints with the Consumer Federal Protection Bureau concerning these accounts

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 2019-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I contacted Wells Fargo to discuss the increase in our mortgage payment from {$600.00} to {$830.00}. I spoke with XXXX XXXX, who advised me we can apply for a loan modification. He emailed me the forms which I have completed & returned. My husband had to retire in XX/XX/XXXX due to XXXX XXXX XXXX XXXX is on XXXX, he receives his XXXX check on the XXXX Wednesday of every month ( since XX/XX/XXXX ) I requested that they change the due date so we are late every month & getting hit with late fees of {$25.00} and was told they couldn't change the date. I was never notified in writing of the increase. I checked our loan account & found they have done an advancement of {$2600.00} to cover escrow which at this time shows a balance of XXXX for our taxes and home owners insurance. We were not aware of that advancement until now. Up until XX/XX/XXXX our monthly payment was {$600.00} then starting in XXXX the payment went up to {$830.00}. In XX/XX/XXXX I advised Wells Fargo that we had a decrease in income and explained our situation with my husbands health.

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 2019-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XXXX  and Transunion are reporting incorrectly ( 60 ) days past due on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

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