vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I was the victim of a gunpoint robbery and was forced to give up my phone. 
My cash app account was then compromised and numerous attempts by the criminal to withdraw funds were made and some some were successful. {$580.00} was fraudulently withdrawn and upon discovery I immediately contacted cash app " support ''. 
They proceeded to blame me for being a victim of crime and decided to deny my refund claim. Cash app continues to make money per transaction ; fraudulent or not so they dont care about the end user or consumer. They need to be investigated immediately. 
In effect all of us who experienced similar issues are inadvertently helping them get unfairly enriched at our and my unfortunate expense. This is far from an isolated issue as cash apps business practices and lack of actual support resolutions makes cash app users a lucrative target for criminals who knowingly understand Cash apps consistent willful blind eye to fraudulent and criminal transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I got a US BankReliacard.com in the email that I did not ask for, nor do I want. 
I am not unemployed. 
I tried calling the various numbers on the paper and went to the website for the card, but the only option was to activate the card, ie there was not an option to talk to a live person. 

On XX/XX/XXXX my companies HR department informed me that my SSN might have been compromised as they had received and unemployment form for me - thus they have given me the need steps I am taking. 

This card arrived in XXXX mail on XX/XX/XXXX - so assume it is part of the entire fraudulent activity. 

Thanks for your help.

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 2021-01-13 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:
there are multiple problems with my credit report as listed on the letter attached inquires that are not mine wrong accounts and and inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I had an account with XXXX which I disconnected since I was moving to another state. When I called to disconnect I gave them my new address in case they needed to send me any disconnect confirmation and they were supposed to update this in their system along with my new number. Now 2 years later I pulled my credit and I noticed XXXX sent me to collections without giving me the proper notice and time to pay this bill prior to being sent to collections which is against FCRA laws. I have contacted both the collection agency and XXXX Customer Service as well as their Corporate Escalations Dept to advise them I did not receive notice to pay this and now that I am aware of the bill owed I have no problem paying it as long as it is deleted from my credit once its paid. 
If my account had been properly updated I would have received this bill and paid it right away like I do with all my other accounts. I have excellent payment history and this collection is greatly affecting me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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:
I have filed disputes with Experian under Section 609 FCRA with regard to erroneous information being reported on my credit bureau by XXXX XXXX. In fact I am attaching two screen shots showing I opened my SECOND dispute under Section 609 FCRA with Experian on XX/XX/2021 on Sunday evening at roughly XXXX XXXX. and by Monday, XX/XX/2021 at roughly XXXX XXXX. the dispute came back from Experian as verified and accurate. I am also attaching to this complaint against Experian the notice submitted Via Certified Mail Return Receipt Requested DEMANDING Experian REQUIRE the alleged creditor XXXX XXXX to comply with Section 609 FCRA which provides for a creditor to provide specific information including but not limited to authorization to pull my credit report, the time and date I authorized the credit report to be accessed or pulled, copies of contracts or agreements related to the debt, specifically contracts or agreements bearing my name and the creditor XXXX XXXX. I have attached my notice to Experian under Section 609 FCRA to the complaint I am submitting herewith to the CFPB. Based upon the foregoing it would be impossible for Experian to have required XXXX XXXX to comply with Section 609 FCRA since only 10 hours had expired between the time of the filing of the dispute and the response of Experian with regard to the dispute under Section 609 FCRA. I did not receive any of the required items from XXXX XXXX with regard to my dispute under Section 609 FCRA. 

As of the submission of this complaint, Experian has failed to comply with Section 609 FCRA and continues to VIOLATE the FCRA, specifically Section 609 FCRA. XXXX XXXX has reported 3 erroneous reports to my credit file that are not mine, Experian is equally as guilty for failing to make the alleged creditor comply with Section 609 FCRA, furthermore Experian is not complying with Section 609 FCRA by allowing erroneous information to be reported by XXXX XXXX and not requiring XXXX XXXX to comply with Section 609 FCRA. To be clear, I have received nothing from XXXX XXXX or Experian during my 90 days of disputes outside of an entry verifying the information with Experian. These actions violate the FCRA, specifically Section 609 FCRA.

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 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken Loans is my current Mortgage servicer and I live in CA. 
XXXX XXXX from Quicken Loans started my loan refinance after several calls to my home phone. When I was given the Initial Disclosure, I agreed to start the process, This Monday XX/XX/XXXX I was sent the Closing Disclosure for me to review and acknowledge. I started checking all the numbers to see if there were any differences and I discovered a discrepancy of {$2200.00} in Section F line 01 in the prepaids section. My current loan escrow impound just paid {$1100.00} for my Home Insurance on XX/XX/XXXX and it covers my home until XX/XX/XXXX, but the money was paid from my current escrow impound because I keep track of payments of taxes done. 
Anyways there is a OVER CHARGE of {$2200.00} in the closing disclosure and I already talked to XXXX XXXX XXXX direct and still do not have a resolution to this. They claim they prepaid my home Insurance and thats the EXTRA {$2200.00}, But I know this is a Scam. 
They are trying to rob me if I had NOT pay attention to the Final numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TN

Complaint narrative:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.

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 2021-01-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have not had or used a PIN number for my EDD card, possibly ever and at least in 5 years. On XX/XX/20 there was a {$1000.00} cash withdrawal from a XXXX in XXXX, CA. On XX/XX/20 cash withdrawal of {$1000.00} in XXXX, CA, XX/XX/20 {$1000.00} withdrawal & balance inquiry in XXXX XXXX, CA and on XX/XX/20 {$1000.00} withdrawal & balance inquiry in XXXX XXXX, CA. I reported it Several times and my claim ( cot wlaim # XXXX ) was denied, I requested appeal after appeal, I have been given the run around by BOA & they denied my claim. I have never been to this locations & my card has been in my possession at all times. I do not use the card to withdraw cash only for bills and groceries/gas. My card has been frozen since early XXXX, that they will not speak to me & to contact EDD. I have heard nothing from EDD. The only paperwork from edd has been a verification of my identity, which I signed & sent back to EDD. EDD has not frozen my account or contacted me about it, but BOA refuses to answer any questions, I rely on this money for food, electrical bill etc for me and met XXXX  small children.

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 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
So basically my ATM card was stolen and there was an attempt to deposit a check into my account. Upon this transaction, they also withdrew {$100.00}, which is unbelievable because there was only {$.00} in the account. As soon as I seen this I instantly locked the card and my account was quickly frozen. I called KeyBank and the fraud department because I was expecting to receive my paycheck that Friday. Because of the {$100.00} withdrawal, my account was charged fees because it was overdrawn making it {$110.00} in the negative. Once my check posted, that negative balance was applied to it so now Im out {$110.00} out of my paycheck. I just need help and answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I had an account with XXXX  which is owned by XXXX. XXXX  is similar to XXXX, in that you can obtain backgrounds on automobiles by submitting the vehicle VIN. 
My wife sent them a letter on XX/XX/XXXX canceling our account. Which, XXXX  never did. They then told us, that by virtue of our contract, to cancel, we had to pay two months of fees at {$75.00} a month. I told them I did not remember signing any contract and to send me a copy of it. They sent me a copy of a contract that my son had signed in XXXX ( See Attachment ) when we had an XXXX XXXX, named XXXX XXXX That company ( XXXX XXXX ) has not been in business since XX/XX/XXXX. In any event I was paying a, garden variety, consumer rate with the account in question and not a corporate rate, which was much less money. 
Therefore, they are in error. There is NO contract with me personally. They refused to admit they had made a mistake, even after repeated phone calls and emails with a XXXX XXXX, of XXXX, the last of which was XXXX. 
We heard nothing more until a few days ago. We received a letter from Caine & Weiner XXXX XXXX XXXX. XXXX, Texas XXXX demanding {$450.00}. " Which may adversely affect you credit history '' we are told by them, if not paid. Since XXXX is a credit reporting entity we have no doubt that a company that size will not hesitate to ruin our credit, over a bill we do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Started transfer of funds from Coinbase to my bank account on XX/XX/XXXX and was told it would be done by the end of the day. It has been three days and I have yet to see the funds deposited into my account. I have since deposited more funds into the account and tried to withdraw them to see how long it would take and it has been two days since. 

There is not customer service line besides an automated voice that is only for compromised accounts. No other way to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
After being told by Cross Country Mortgage that I had been approved for the mortgage on a property at XXXX XXXX XXXX XXXX. XXXX from XXXX XXXX XXXX  charged me {$420.00} on XX/XX/2020, for an inspection from which I was denied a loan. On XX/XX/2020 my XXXX XXXX XXXX XXXX Account was charged {$450.00} to collateral Management for an appraisal of the property at XXXX XXXX XXXX XXXX. On or around XX/XX/XXXX I paid XXXX XXXX XXXX {$200.00} for a membership fee and a application fee to The HOA at XXXX XXXX XXXX. Due my XXXX  and the XXXX XXXX I feel I was taken advantage of by unfair house marketing strategies by Cross Country Mortagage company and its business partners. Cross Country Mortgage should have told me that I would not be approved for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2020, I was greatly impacted by Covid-19 and was in a financial hardship. It shows a 30 day late payment for this account and I thought it was on auto pay. I have been very responsible to make my payments and understand the value of having good credit. This is impacting my ability to get a mortgage. The company will not help me with this unfair issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I recently spoke with XXXX in consumer relations department team and she didn't really want to help me with verifying the current inaccurate reporting ( per 15 usc 1602 your required to do that with my written consent ) you guys have furnished on my chexsystems report. the following accounts are inaccurate and against my rights as a consumer the fdcpa states you need written consent to furnish anything on my consumer report I demand to have the following accounts removed immediately XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX Missouri XXXX, The Following addresses are also inaccurate and have ruin my reputation as a consumer XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, az XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX the following address are all inaccurate or erenous and unverified my current address which also the following name I provided my current address already as well which is XXXX XXXX XXXX XXXX XXXX , Az XXXX or XXXX XXXX XXXX XXXX XXXX. this has been an infringement upon my rights and has caused me major distress on me as a consumer. I hope that you can assist in regards to this issue that been brought to hand I have been trying to get this resolved since XX/XX/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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: MA

Complaint narrative:
After a little more than a year enrolled in the Freedom Debt Relief program, my frustration level with trying to communicate with them reached a point of no return for me. I requested to modify the terms of my program after several attempts to resolve ongoing issues. FDR terminated me completely from the program. I was never informed that could happen when I was asking for a modification to complete the program. In short, I wanted to remove my 4 debt accounts that had not been processed by them and continue in the program with the ones that were in process.

FDR had been taking their fees in advance from my dedicated account and as of terminating me, they collected 83.8 % in fees on the debt resolution payments they made from my account. They paid {$3800.00} towards my debt from the total {$7400.00} in deposits I made. They paid themselves {$3200.00} for settlement fees. The other funds paid out, {$370.00}, were also fees, not paid to FDR. The contract stated their fees were 21 %. I can provide any supporting documentation that would be needed to verify what I am saying. Please let me know specifically what is needed. My last correspondence with them is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
I refinainaced a mgt and loan was paid in full XX/XX/XXXX i waited for escrow refund check which never arrived. i have placed many calls into to find out where check is with call dates and NO follow back from them. calls were placed on : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ( hung up on ) XX/XX/XXXX ( with MGR ), XX/XX/XXXX, XXXX, XXXX ( with mgr ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( with mgr ) XX/XX/XXXX was told check was cashed by someone else on XX/XX/XXXX i have sent in Affidavit of Unauthorized endoresment or atlered item on XX/XX/XXXX and was told check will be reissued and has NOT been. today was told would take 6-9 months and still might not get escrow refund back. 

same complaint going on still into XXXX with no escrow refund payment. 
i have contines to persure the payment as the bank said it was fraud and should have already been rerfunded. ihave called and get the same answer " that we will esculte the matter '' with nothing happening call log XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( police and postal inspection service filed ), XX/XX/XXXX, XXXX, XXXX, ( XXXX ) XXXX, XX/XX/XXXX, XX/XX/XXXX everytime told they will esculate the matter to NO avail. check was CLEARLY not deposited by me ( check included ) my last option will be tp file small claims case against SPS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
I wanted XXXX  to investigate this but no response from them so Im here because i believe there is a violation against this company for reaging this account and Im sure they didnt take the money off from my gap insurance and when they sold the truck but I would like you guys to investigate this for me and would like this account immediately deleted from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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:
I'M IN THE PROCESS OF BUYING A NEW HOME AND ONE OF MY ACCOUNTS REPORTING IS SHOWING A LATE PAYMENTS IN XX/XX/2020 AND XX/XX/2020. THIS IS NOT CORRECT. THE ACCOUNT HAS BEEN PAID ON TIME AND THE RECENT ERRORS ARE AFFECTING MY CHANCES OF PURCHASING MY HOME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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:
I'M IN THE PROCESS OF BUYING A NEW HOME AND ONE OF MY ACCOUNTS REPORTING IS SHOWING A LATE PAYMENTS IN XX/XX/2020 AND XX/XX/2020. THIS IS NOT CORRECT. THE ACCOUNT HAS BEEN PAID ON TIME AND THE RECENT ERRORS ARE AFFECTING MY CHANCES OF PURCHASING MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I used JPMorgan Chase 's bill pay service to pay my monthly maintenance fees. The bank sent a check on XX/XX/2020 to arrive by XX/XX/2020, but the payment did not arrive to the recipient and I have been charged a {$50.00} late fee. 
I called the CFPB twice - first spoke with XXXX and then with XXXX -- both times I was DISCONNECTED. Both times, I was asked for a call back number " just in case '' but I did not receive a call back, of course! Very frustrating.

Company response to consumer: Closed with monetary relief