vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several accounts reporting on my Credit Report that does not belong to me. Please assist me in getting these accounts removed from my credit file : XXXX/XXXX - Bal : {$470.00} XXXX CARD - Bal : {$4200.00} XXXX  CARD - Bal : {$0.00} Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX There are also incorrect late status reporting on my credit report. I was never late on the following accounts : XXXX/XXXX - Bal ; {$470.00} XXXX XXXX - {$0.00} XXXX/XXXX - {$3200.00}

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 2020-11-24 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: AZ

Complaint narrative:
Paypal processed a charge for {$67.00} from a company in XXXX that was selling a holiday projector that would project images of Ghosts for XXXX and XXXX. It was advertised to be like the XXXX model ( see attachment ) but with the addition of a screen. The package was advertised as a bundle and delivery was guaranteed by XX/XX/2020. The package did not arrive by XX/XX/2020 as promised and I filed a refund request with PayPal this was denied because PayPal claimed that the seller had sent the item. Yesterday the item did arrive but it is not what was ordered -- instead it is a cheap light that can illuminate a house at night ( they are available at XXXX for less than {$20.00} ). 

These are the details of the case : Dispute Case ID : XXXX Transaction Amount : {$67.00} USD Dispute Amount : {$67.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided a copy of my ID to prove my identity.

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 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/2020, I used Cash App to pay a down payment for a puppy in the amount of {$150.00}. I have the text log communication of the whole conversation with the " owner ''. As soon as I paid the deposit, they did not respond again. I sent follow ups and a deadline to respond by before I attempted to reach out to the CASH app support to inform them someone is using their product to scam/defraud its customer base. 

After no response from the " owner '' once the deadline was past, I contacted CASH app support. They then told me there was nothing they " could do '' even though I have such a clear cut case of their product being used for illegal purposes. 

I have had to open a dispute with my card company as well as work on filing a police report in order to actually make a move to stop this type of work. It's awful to see a company allow someone to use their product in such a way and respond to someone with a variation of, " Oh well ''. 

It's awful to think the honest people are the ones that get hurt with an app like this, while criminals are allowed to roam free without a second glance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: KY

Complaint narrative:
To whom it may concern : I have tried to work with my mortgage company and after failing to respond they denied my request for help because they placed a foreclosure sale date. I offered them a down payment for over half of what I was due after I file bk to stop the foreclosure sale date. Now they are refusing to give any updates. I don't have an attorney and I am trying to do everything I can to work with them. My counselor XXXX XXXX has also reached out to the current single point of contact XXXX XXXX. She has denied to communicate. We have advised them several times that there is no foreclosure attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My XXXX XXXX was having issues so I pulled up XXXX technical support on my phone and dialed the number that came up. The ( fraudulent ) technician that came on the phone told me he needed to share my screen in order to fix my issues and verifiymy identity. Since I had phoned XXXX the week before and an ( authentic ) technician Requestedto share my screen to help me fix my issues ( which he did ) I felt The request was legitimate. After being on the phone with the impersonator for almost 2 hours or more I started to ask more questions. He.Immediately ended the call And I proceeded to call that number back to find out that line was not working. I pulled up my bank information to find out {$2800.00} was transferred from my savings account to my checking account and from there {$2000.00} was electronically transferred viaXXXX quick pay to someone named XXXX XXXX And another {$500.00} was transferred out via XXXX XXXX.I immediately phoned chase bank to file a claim and also went into a branch in person Because I was so Paranoid not knowing Who was authentic and who wasnt. I filed a police report with XXXX XXXX police department and faxed all supporting documentation to Chase. They told me it would take 10 days to investigate and after the 10 days my claim was denied. I feel their investigation was lacking depth .. chase could have checked my cell phone records and found the number I called on XX/XX/XXXX at XXXX oclock ... and there was also the name of who my money was transferred to .. They indicated to me that they did not believe me. I need that money back because I need to pay for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Phone number XXXX has called me numerous times with threats of suing for a 10  year old " zombie debt '' with Citibank. Citibank discharged the debt long ago and it has moved from one collection agency to another. The statute of limitations for state of Virginia and where the debt was originated has long run out. I have received nothing by USPS or otherwise i.e.. no documentation but only threatening phone calls. This phone number has other known complaints against it from other individuals claiming a false attempt to collect a debt that is very old or was never a debt to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Victoria Secret, Comenity Bank, and all 3 credit bureaus regarding an account that was opened in XXXX. XXXX  is still the only credit bureau listed on my credit report while XXXX and XXXX  has since deleted this inaccurate information from my report the first time around. It is well over 30 days and there is still 15 inaccuracies on my report which hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2020-11-24 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am the victim of some malicious actions by Hyundai Finance. Specifically, my wife and I had a Hyundai Motor Finance account # XXXX that was settled in full on XX/XX/XXXX. I have a letter, signed by XXXX XXXX from Hyundai finance dated XX/XX/XXXX that states that Hyundai submitted a request to the Credit Bureaus to reflect this account as a settled in full, charge off. Please see exhibit 1. 
I further confirmed on XX/XX/XXXX via an XX/XX/XXXXcredit report that indeed Hyundai had updated my credit report to reflect XXXX balance. See exhibit 2. 
I have been diligently working to improve my credit score for 2 years now in preparation for this moment, where I am now able to try to buy a home for my growing family- and on XX/XX/XXXX I applied for a mortgage and found that Hyundai Finance had removed the paid XXXX balance status from my account and updated it to show a charge off balance of {$540.00}, which according to the report was done on XX/XX/XXXX, a full year after the account was satisfied in full. Please see Exhibit 3. 

We lost the home we wanted to make an offer on as another buyer was able to get there offer approved, and now we are stuck with this egregious error on the report that is causing significant damage to our credit score, our finances, and taken its emotional and psychological toll on our current living situation. We further are in fear of missing out on the historical low interest rates currently available, and we are unable to take advantage on due to Hyundais continued incorrect reporting.

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/XXXX I sent Experian, XX/XX/XXXXand XXXX XXXX a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent Experian, XXXX XXXX and XX/XX/XXXXa letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to 3 managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed. 

I contacted XX/XX/XXXX 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XX/XX/XXXXXXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXXXXXX XXXX Auto FinancingXXXX Experian XX/XX/XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Automotive XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXBank XX/XX/XXXX XX/XX/XXXX XXXX XXXX I Travel/Entertainment XX/XX/XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XX/XX/XXXX I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do 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 2020-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/20 I notified Chase Bank that there had been an additional withdrawal from my account at another bank for a final car loan payment. They acknowledged this and notified me that in 10 business days my bank account would reflect the correction of this ( Sounds a bit long in todays age but I accepted this ). To date this has not happened having been 10 days and they now tell me they will research the case. They can give me no evidence they even processed a refund. Amount is {$280.00} and I feel that the bank has me as hostage and is holding onto funds longer then they should .Not a practice in these difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX I noticed a hold on my account for {$1800.00} I contacted XXXX SUNTRUST asking why was this taken out of my account. I was informed it was due to a returned check on my daughters account. I informed them that she was not on my account why are you debiting my account for her debt on a different account. I informed them that account was opened SIX years ago when she was a minor. She is now XXXX and they should contact her to collect the amount owed as they always had done. Fast forward to XX/XX/XXXX. My account was again debited this time for {$1700.00} I contacted XXXX SUNTRUST again asking why was there a hold on my account again. I was told it was for my daughters closed account. I informed them I would be filing a formal complaint because you are taking money I don't even owe you this is not my debt. They then placed another hold on my account for another {$1700.00} on XX/XX/XXXX. XX/XX/XXXX I went to the SUNTRUST branch bank located at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and spoke to the bank manger Mr. XX/XX/XXXX. He contacted the Recovery Team they released the third hold just to turn around an place another hold on my account today for {$470.00}. At this point my account has had been debited {$5900.00} for an account and a check I had absolutely NOTHING to do with.

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 2020-11-24 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: Block, Inc.
State: NV

Complaint narrative:
Hello, On XX/XX/2020 at XXXX XXXX XXXX approx ) my card was charged for {$1.00} a few times, then {$2.00} a few times, then {$5.00}, then {$10.00} until the card is emptied. Then they start hit the {$10.00} ISF then go back down to {$5.00}, then {$2.00}, then {$1.00} until everything is gone. {$100.00} total. 

I immediately called Cash app and they only reply with automated messages. I have emailed and was told I would have to prove 'XXXX  XXXX XXXX  CA ' is not a legitimate charge for some reason instead of Cash app doing any work. I contacted XXXX and XXXX play and have multiple emails that state nothing on my account and no money pending and zero activity at all. I have all the emails from XXXX saved. 

I have been calling Cash app to explain over and over with no solution and as of XX/XX/XXXX there has been no contact with them or them trying to contact me. Before XX/XX/XXXX they did email me back but gave an email that gave no help or solution. They also said to call in but the app and their site and nothing on XXXX to contact them. They claim you can file a claim to get started but nobody will contact me back and there is not a phone number that can be called. 

Please help me and let me know what the next step is. XXXX has been good and I have emails stating it is NOT them from XXXX. After I stated that to Cash App they stopped communication completely. I can supply all account numbers, dates, emails and whatever you need just let me know. 

Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XX/XX/XXXX XXXX, XX/XX/, XXXX & XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XX/XX/XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XX/XX/XX/XX/XXXX XXXX XXXXXX/XX/XXXX All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX This is my only number XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY :

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 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Months ago, I requested more than several times to lookover and audit the XXXX to XXXX Bank Statements. I recognized a positive amount when the transactions were equal to XXXX  but the deposits and withdrawals were the same exact amount. I spoke to a XXXX that was going to escalate so I could speak to someone to clear up the accounting math that I saw on my statements. Automated messages from my bank portal keep asking me to call their 1-800 number which I call and either hangs up or disconnects after waiting. No acknowledgement that Im still waiting for corrected bank statement ( S ) for XX/XX/2920 to XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Jcpenny credit services dropped my credit limit from {$2700.00} to {$100.00} because of a {$4.00} balance that I was not aware of until it went past due. This drastically negatively effected my credit score. I recently received notice from them saying my request to increase my credit was denied because I dont have real estate loan and some other negative comments. They said my credit was pulled on XX/XX/XXXX- WE ARE IN XX/XX/XXXX- and they show my credit score is XXXX - which it is NOT! First- I did not apply for increase. XXXX report they used is 1 1/2 years old, I DO have a real estate loan on my report and lastly- my credit score is much higher than 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 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST
State: TX

Complaint narrative:
I have a loan with Bank of the West and am in the process of selling my house to payoff the loan. In the payoff statement, Bank of the West charged me a late fee of {$670.00} when I have not been late at all. I called their mortgage customer service line, and the customer rep, XXXX, assisted my call on XX/XX/XXXX at XXXX CST. He confirmed that my loan is on the deferred program until XX/XX/XXXX and there is no late fee charge on my account. He said, they couldn't change my payoff statement and ask that I pay the late fee and get reimbursed after the close of escrow. 

Why would anyone pay a fee that he/she did not incur? Requested to speak with their supervisor and manager, and was placed on hold for over 20 minutes. After that, I was transferred to his voicemail, XXXX XXXX. 

Customer should not be asked to pay for a fee that he/she is not incur. I am infuriated by this treatment and am filing a compliant against Bank of West for improper charge of late fee against their customer.

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