vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: United Shore Financial Services, LLC
State: NE

Complaint narrative:
United wholesale mortgage is calling me repeatedly after I have asked to be removed from their list. they also claimed they received my information because " I was not getting the best help with my current broker '' which is an absolute lie. They hung up on me when I attempted to be transferred to make a complaint to their management. This has all happened on XX/XX/year>. I have received over XXXX calls from mortgage companies today after having my credit pulled for a new mortgage. This is completely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to formally complain about a profoundly disappointing and frustrating experience I had with your customer service on XX/XX/XXXX, at XXXX XXXX ET. I contacted your team to discuss the possibility of downgrading my credit card to avoid an annual fee that had been charged to my account. Regrettably, not only was my request denied, but the handling of my call was completely unacceptable. 

I was transferred to a supervisor named XXXX, who was dismissive and uncooperative throughout our conversation. Despite my attempts to obtain more information about whom I was speaking with, XXXX provided no further details and insisted on rushing through the call. Her constant interruptions and evident disinterest in assisting me were unprofessional and disrespectful. 

Repeatedly, XXXX talked over me, repeating the same unhelpful information and refusing to consider any solutions that could assist me or preserve our customer relationship. When I requested to be transferred to her manager, hoping for a resolution, she flatly refused and continued to speak over me. Even after I politely asked her to stop interrupting and allow me to finish my sentences, she persisted. The call ended abruptly when she hung up on me as I was about to request the closure of all four of my Chase accountsa decision I was considering due to the poor service. 

I am appalled by the audacity and rudeness displayed by your customer service representative. Such behavior is not only inappropriate but also harmful to the trust and loyalty I have placed in Chase over the years. I am still shocked by the lack of courtesy and professionalism, which has led me to reconsider my relationship with your bank. 

I expect a formal apology and a reconsideration of my initial request to downgrade my card without the annual fee. Furthermore, I would like assurance that this feedback will be used to prevent similar experiences for other customers in the future. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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 2024-05-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
I recently pulled a copy of my credit report and noticed fraudulent inquiries and personal information that were incorrect. I DID NOT originate nor authorize these inquiries on my credit report. Please DELETE the following inquiries as this is a clear case of identity theft/alleged identity theft outlined in XXXX XXXX XXXX and must be DELETED within XXXX business days of receipt of this letter. Also, pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ) please update my personal information immediately as well. Please see attached copy of my identity theft 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 non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently pulled a copy of my credit report and noticed fraudulent inquiries and personal information that were incorrect. I DID NOT originate nor authorize these inquiries on my credit report. Please DELETE the following inquiries as this is a clear case of identity theft/alleged identity theft outlined in XXXX XXXX XXXX and must be DELETED within XXXX business days of receipt of this letter. Also, pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ) please update my personal information immediately as well. Please see attached copy of my identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX  , I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report. This action is a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws concerning identity theft and fraud. 

It has come to my attention that XXXX has reported information to my credit report without my explicit consent. Under federal law, as outlined in the FCRA, consumer consent is a mandatory requirement for such reporting activities ( Section 1681b ( a ) ( 2 ) ). 

In addition to federal law, Missouri state law provides protection against unauthorized reporting and identity theft. Missouri Revised Statutes Sections 407.1500 and 570.223 emphasize the need for consumer consent and establish strict penalties for the unauthorized use of personal information. 

I assert unequivocally that I have not provided consent for XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and disregarding both federal and state laws. 

I demand that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within 30 days will be considered willful noncompliance and subject to penalties under applicable laws. 

Obtaining consumer consent is a legal obligation under the specified sections of the FCRA and Missouri state law. This is a demand for compliance with both federal and state regulations to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that XXXX will promptly rectify these violations, respecting my rights under federal and Missouri laws . 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OR

Complaint narrative:
Made a purchase on XXXX, there were a few issues and XXXX let me know they would be processing a full refund. Come a few days later I have not received any money back, so I went to chat with XXXX who gave me a refund confirmation ID, and told me that Cashapp was declining the refund. I contacted Cashapp who then said they have not received any refund for this order. XXXX then told me that it was declined 2 times, and that there must be an issue with the refund, and that I should dispute it through my bank for a full refund. I submit XXXX screenshots to Cashapp of these correspondences with XXXX XXXX me refunds were processed, they are having issues refunding, and that I should go through my bank and they will not challenge it so I can get my money back that way. From what should be a simple dispute, with irrefutable evidence provided to Cashapp of XXXX inability to process the refund, Cashapp denies the dispute and responds with " the transaction was processed in accordance with the payment information received and no error occurred. ". Clearly whoever checked the dispute was not even looking at the reasoning being " Missing refund '' and simply saw that it was indeed me who made the purchase. This needs to be fixed or I will also make a post via the XXXX XXXX XXXX  exposing this shady business practice and complete nonsense from the employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear CFPB, I am writing to formally report an issue I am experiencing with Macy 's credit card and their reporting system to the credit bureaus, which has resulted in a significant and unexplained drop in my credit score. 
Details of the Issue : 1. Credit Score Impact : On [ insert date ], I received a notice from the credit bureau that my credit score had dropped by XXXX points overnight without any prior warning or notice. This sudden drop is highly irregular and concerning. I have never received a statement or a bill for this account and that is why it has not been paid in a timely fashion. 
2. Account Confusion : Macy 's informed me that I had opened the account in XX/XX/year>. However, I distinctly remember opening an XXXX XXXX XXXX in XX/XX/year>, not a Macy 's card. I understand that XXXX XXXX does not have a card bearing Macy 's name. It seems Macy 's may be converting some accounts from XXXX XXXX to Macy 's without consumer consent or approval. This is deceptive and potentially illegal. 
3. Penalty Charges : Macy 's charged me over 50 % of the due amount, labeling it delinquent for being over 30 days late. This penalty is excessively high and unfair, especially since I did not receive any bill, notice, or warning. 
Request for Resolution : I have always paid my dues on time and maintained an excellent credit score ( over XXXX across all three credit bureaus ). Macy 's actions have unjustly impacted my credit standing. I respectfully request the CFPB to : 1. Investigate Macy 's credit reporting practices, especially concerning the sudden and unexplained drop in my credit score. 
2. Ensure that my credit score is restored to its previous excellent status. 
3. Address the unfair penalty charges imposed by Macy 's for the alleged late payment. 
This situation has caused me significant distress, and I hope for a fair and just resolution. I appreciate your assistance in this matter. Thank you for your attention to this serious issue. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is reporting an unverifiable account on my credit report. The account is XXXX XXXX XXXX XXXX. I have asked the furnisher XXXX XXXX XXXX XXXX for proof of verification on XX/XX/year>, on XX/XX/year> They received my verification letter and never sent me proof. I have disputed this account with XXXX Equifax and XXXX ( online and over the phone ) and providing them with proof that this account shouldn't be reporting and by law a creditor is XXXX to send the consumer verification when requested. They have failed to send me proof of this alleged account that they said I owe and XXXX is still reporting this unverifiable account. This company also responded to a XXXX Complaint I had against them and in their response they never said that they have sent me proof of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I initially contacted the original creditor but received no response to my request for the original signed and dated agreement. Subsequently, I reached out to the debt collector, to obtain the same documentation. However, they were also unable to provide the original contract between myself and the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Been a customer with Wells Fargo since 2011 its basically a second chance Account and also XXXX the beneficiary over my daughter XXXX so its an XXXX account. They keep charging overdraft fees that they have to send it back also told him numerous of times on numerous occasions that I dont want that account being overdraft to take it off and they continue to let the account be overdraft had an issue with them before hand charging late fees on the account when is an XXXX account and its not supposed to be charged Also been reaching out to them to find out if Im a part of the Class lawsuit thats involved with them. They havent been giving me any information towards that either so I would like to know if my name is in the lawsuit or if Im owed anything

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 2024-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding ongoing and repeated violations of my consumer rights. This is the second instance in which certain accounts, which were previously removed from my credit report, have reappeared alleging an owed debt. 

I have already taken the step of sending a debt validation letter to the relevant parties. Despite this, they have failed to respond appropriately or provide the required validation. This lack of response is in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Given these repeated violations and the failure to validate the alleged debt, I am prepared to pursue legal action to protect my rights. However, before taking this step, I am requesting the Consumer Financial Protection Bureau 's intervention to ensure these accounts are removed from my credit report and that my report is updated accordingly. 

Your prompt attention to this matter would be greatly appreciated.

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 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding ongoing and repeated violations of my consumer rights. This is the second instance in which certain accounts, which were previously removed from my credit report, have reappeared alleging an owed debt. 

I have already taken the step of sending a debt validation letter to the relevant parties. Despite this, they have failed to respond appropriately or provide the required validation. This lack of response is in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Given these repeated violations and the failure to validate the alleged debt, I am prepared to pursue legal action to protect my rights. However, before taking this step, I am requesting the Consumer Financial Protection Bureau 's intervention to ensure these accounts are removed from my credit report and that my report is updated accordingly. 

Your prompt attention to this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per XXXX XXXX XXXX, billing errors should be corrected.

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 2024-05-21 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One/Wal-Mart credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Wal-Mart ecommerce online i thought it was XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Utah XXXX Wal-Mart Super Center with my Capital One credit card.I requested Replacement or get fix on XXXX XXXX. Wal-Mart sent request to XXXX XXXX XXXX XXXXXXXX, but i never got call, or text messages, no emails from them.So i made another complaint to Walmart yesterday on XXXX XXXX, well theytext me today say they gave me Refunded, its not on my credit card, its on ecommerce using there last 4digits # XXXX, is not my card and was not used online transaction.This same problem on generator i bought put refunded on someone else card XXXX, not mine.Plus Wal-Mart refused me for their company XXXX XXXX  protection plan i paid {$6.00} for two years refused my refunded, said i must contact manufacturer.Because it was under year, so they only put {$61.00} on wrong credit card # XXXX not mine.Mine last 4digits # XXXX was used in purchase, plus i need {$6.00} they need to refund {$67.00} with warranty they refused to takecare of my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently pulled a copy of my credit report and noticed fraudulent inquiries and personal information that were incorrect. I DID NOT originate nor authorize these inquiries on my credit report. Please DELETE the following inquiries as this is a clear case of identity theft/alleged identity theft outlined in XXXX XXXX XXXX and must be DELETED within XXXX business days of receipt of this letter. Also, pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ) please update my personal information immediately as well. Please see attached copy of my identity theft 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation