vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
My wages are being garnished. This company sent all of the correspondences to an address that was not mine for a wage garnishment. By default, the judgement was granted and the company has seen proof that this medical bill was paid. Collection agency described as " Waterfall '' or " XXXX XXXX '' has some sort of relationship with the judge in XXXX XXXX and brings their cases there. My debt was not in XXXX XXXX and I am not from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
After review of my reports in XX/XX/2023 I notice accounts that were incorrect and untrue. I disputed the information in hopes of some clarity. Ive never received any mail nor correspondence of an investigation nor its findings, within 35 days i attempt more answers. I sent another letter explaining how my rights have been violated and i also submitted an FTC report because this is a clear identity theft situation, i asked to block this account within the four days allowed by law and as of today Transunion has failed to comply to the govern laws that are applicable to this company. XX/XX/2023 complaint ID XXXX was my 3rd attempt to block information in accordance with 15 usc 1681c-2 on my consumer report within the grounds of the law and still the violations exists. Please remove delete and or block XXXX fraudulent information for my consumer report. 

CC : Attorney General CC : 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 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XX/XX/XXXX payment not applied properly. Requested explanation from XX/XX/XXXX to XX/XX/XXXX on payment amount due/ why was it asking for so little ( not enough to cover principal & interest ) we sent regular payment ( couldnt get an answer ) statement XX/XX/XXXX payment amount due stated almost double regular amount. Escrow analysis are incomplete they say surplus and payment amount rises and no refund issued. Shortages payments lower. Notations on the documents state DONT SEND TO BORROWER PER LENDER. Payments are being held and processed late. Checks have been altered : initialed with date upon receiving, requested bank not to release funds for 10 days after receiving, different amount posts and different check number appears on check. The bank depositing the funds is not who the checks are made out to. Monthly periodic statements are not typical 22 to 30 bill cycles. Some go for 45 to 90 day transaction cycles. Some periodic statements never generate and payment sent is unaccounted for. Twice weve received multiple statements with different transactions activity listed all due for same day. Received no explanation as to why we dont receive our annual tax and interest statements. Important information related to the loan disappears and letters are sent to us about requests to update information ( we never requested ). This mortgage company DOESNT service your loan, communicate with you. They commit fraud and now file a default without any explanation, no past due payment on statements, no phone calls, absolutely nothing!!!!!

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
After review of my reports in XX/XX/2023 I notice accounts that were incorrect and untrue. I disputed the information in hopes of some clarity. Ive never received any mail nor correspondence of an investigation nor its findings, within 35 days i attempt more answers. I sent another letter explaining how my rights have been violated and i also submitted an FTC report because this is a clear identity theft situation, i asked to block this account within the four days allowed by law and as of today Experian has failed to comply to the govern laws that are applicable to this company. XX/XX/2023 complaint ID XXXX was my 3rd attempt to block information in accordance with 15 usc 1681c-2 on my consumer report within the grounds of the law and still the violations exists. Please remove delete and or block XXXX fraudulent information for my consumer report. 

CC : Attorney General CC : 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 2023-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I AM NOT INTERESTED IN MORTGAGE ASSISTANCE. 
if the woman who opted to send me the documents wouldve told me that I was going to be restricted from making payments upon reviewing my options I wouldve never agreed to receive the information. 

I made a promise to pay on XX/XX/15. Upon logging in to make my payment I was restricted. I couldnt make my payment via phone and the weekend came. It is now XXXX morning and I am on the phone with someone who is telling me I can make my payment however I have never accrued a {$90.00} late fee. I am extremely disappointed in XXXX XXXX. This was supposed to help me and instead tied my mortgage up so much that the only way I can remove this status and regain access to online features is to pay two months. I have never been late on my mortgage and in all the verbatim scripts the woman read me that told me about mortgage assistance she didnt mention once that I wouldnt be able to make my payments. All because I asked to pay half on my mortgage on the XXXX and the rest on the XXXX. Ridiculous. I cant wait to tell everyone about XXXX XXXX inability to help customers. Sounds like yall would rather kick people when theyre down. Cancel the app, Im not interested in any Help yall offer if it isnt waiving that {$90.00} late fee that you mislead me into accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have reported identity theft to Belk/Synchrony several times. I have provided them with my FDLE Sworn Affidavit and all necessary statements in order for them to properly handle the fraudulent charges. Belk/Synchrony failed to complete a thorough investigation of my account leading them to send my name and account information to collections.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/2023 last chance, funding decided that they were going to send a XXXX document with a threatening letter to multiple companies against my business and me personally. One of these companies with PayPal and synchrony bank they fell for it. They took the threatening letter and they froze my account starting in XX/XX/2023. They froze my account and made it impossible to make payments to anyone including synchrony bank. Including my paying for on PayPal. They then decided that they were going to report three illegal late payments to my credit. These payments would not have been late if they were able to be made if the accounts were not illegally frozen. My PayPal synchrony account, as well as my PayPal account were frozen without a garnishment judgment or Levy from any legal establishment. And the late payments are erroneous. Being banned from being able to make payments for six months until the lawsuit was settled in XX/XX/2023 when Ive been very promptly paid everything in full they now refused to remove the late payments even though they legally froze the account and kept me from making payments. I want the late payments removed from my credit report. As they were illegally obtained. The accounts werw illegally frozen. PayPal and synchrony bank conspired and participated in this 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 monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
I was checking my credit report today on XXXX XXXX, and, a collections account had been opened by LVNV Funding, LLC, in XX/XX/, however, I have never received any mail regarding this collection account from LVNV Funding, LLC, nor, regarding any information about the account, nor information about disputing the debt, etc. I literally have received no mail from this company whatsoever regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: PA

Complaint narrative:
PayPal closed my account because of disputes I have given proof but now they wont let me send or record money I have two credit cards with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank closed my Macy 's and Home Depot accounts in retaliation for my request for a discharge on the Sears Mastercard. Both accounts were in good standing and the Home Depot account had a XXXX balance. Citi discriminated and retaliated for a prior complaint I filed with the CPFB in reference to their illegal refusal to remove a late fee from the Sears Mastercard and their default in dishonor for refusing to discharge or mutually offset the balance on the Sears Mastercard. ( The complaint was filed on or about XX/XX/23 and the accounts were conveniently closed on or about XX/XX/23 ) Citibank claimed they perform routine credit checks with XXXX, however I never gave them permission to check my credit. In addition the routine check was purposely done earlier than what it should have been. These checks are usually done every six months. In these cases, they did the routine check right after I filed a complaint for calling them out for their refusal to do a discharge or mutual offset on the Sears Mastercard. Citibank never provided a notice of dishonor from the US Treasury or any federal laws that refute the request for a discharge.

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 2023-09-18 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
On XX/XX/XXXX I received several emails alerting me to a hard inquiry added to my credit report. This inquiry was from Capital One bank. I have two accounts with capital one credit cards, however I did not contact them or request any services that warranted this inquiry. I called capital one bank on XX/XX/XXXX and XX/XX/XXXX. Both times I couldnt get an answer for what the inquiry was and was redirected to checking credit karma or calling transunion. The representatives were not so helpful. I reached out to transunion on XXXX and was able to determine this was likely fraud, especially since Ive had two incidents with credit card fraud on my capital one accounts in the past two years. I was able to put a freeze on the account and given further directions to file this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect address & incorrect name it has cause me damages to the point getting denied for credit, for misspelled name & wrong addresses reporting on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 Address : XXXX XXXX XXXX XXXX, ga XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Name : XXXX XXXX has violated my rights.

T 15 US C 1681 section 602 A States I have the right to privacy 15 U S C 1681 Section 604 A Section 2 : It also states a consumer reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any XXXX item of information other than records of convictions of crimes which antedates the b.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: AL

Complaint narrative:
AMERICAN CAR CENTER DBA RAC DEALERSHIP/AMERICAN FINANCIAL was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

OnXX/XX/XXXX customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. American Financial, did not reach out until XXXX via text message only ; no formal documentation. The company also violated XXXX of the contract which states any changes in this lease must be in writing and signed by you and XXXX. 

I originally got this leased vehicle with AMERICAN CAR CENTER XXXX XXXX XXXXAMERICAN FINANCIAL on XXXX On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

On XX/XX/XXXX I successfully had AMERICAN CAR CENTER XXXX XXXX XXXX/AMERICAN FINANCIAL account removed from my credit report. 

On XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As of XX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY WESTLAKE PORTFOLIO MANAGEMENT FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX. 

I HAVE NOT SIGNED A CONTRACT WITH WESTLAKE PORTFOLIO MANAGEMENT. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ON XXXX 

Westlake portfolio management, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at XXXX!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I went to open an account they told me an account was open in my name previously

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: FISERV FINXACT CORE
State: WI

Complaint narrative:
Tele check keeps taking almost {$100.00} from my checking and I never signed up for it. I can't get ahold of anyone or any answers how and why they keep doing 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 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
XX/XX/XXXX I deposited XXXX} cash at my local XXXX. I immediately attempted to pay phone bill but it was declined twice, tried to cash out money it was declined. I contacted support and was told they were declined for my protection and there seemed to be some unusual activity on my account. Told that I was no longer able to use my cash card but could still cash out or send to someone else. Explained I was not able to do either. I was first told that my bank was declining the cash out saying that my bank had cash app blocked. I called bank and was told there was no block and that they could not see where anything had been declined on there part. Contacted support with this information and was told that they no longer accepted my debit card as a means of funding my account. I stressed that I was not funding rather trying to withdraw my money. I even changed. Cards but still could not cash out. Explained that when I tried sending to someone else it said I did not have enough to complete transaction. But I did. Immediately was told that they were sending to the specialty team and someone would be in touch. I have not heard from anyone yet. I have reached out multiple times and received no answers and no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. Experian and XXXX has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering. XXXX has already successfully deleted Bankruptcy.

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