vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TN

Complaint narrative:
Account Name : HWARFIELD ( Hunter Warfield ) Account Number : XXXX Balance : {$6100.00} This letter is a formal complaint against Hunter Warfield, a collection agency located at XXXX XXXX XXXX XXXX XXXX FL XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

A debt validation had been requested from them n XX/XX/2021, I have not received any sufficient proof that I requested and they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I was denied by Synchrony bank each time I have applied. They provided reason for reject incorrectly and vague why I was denied. I feel the denial is not based on my credit but my XXXX and past experience. I had cards with Synchrony Bank but all the accounts were inherited by them where I applied to another bank and Synchrony took over the credit accounts. I paid the accounts off and the bank closed the line because I wasnt using them.y balance wasnt lower only closed.

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 2021-11-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
All federal debt payment has been pushed to XX/XX/2021. 
Now i getting calls and emails and letters about how i need to make my repayments now, there was agreement on how I would repay. 
I apparently get informed that I am missing a payment, even they never contacted to establish a repayment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth Third admitted to selling my information without my permission to XXXX XXXX XXXX. Both businesses refuse to validated, and this not my account. The address, XXXX XXXX XXXX, XXXX, Ga XXXX, is I never lived and on farther investigation it is a hotel ( business ). This is really affecting my quality of life and I would like it off my credit report now. More than investigation in the matter I seen that my rights were violated based on FDCPA Laws as follows : 15 USC 1692, 1692a ( 3 ) Definition of a consumer as any natural person obligated on or allegedly obligated on a debt ; 1692 a ( 5 ) Definition of a debt as an obligation for money, goods, insurance, or services for primarily personal, family or household purposes ; and 1692 a ( 6 ) Definition of a Debt Collector as collectors, collection agencies, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I reached out to Dynamic Recovery Solutions , LLC and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Account Name : CAINE WEINER Account Number : XXXX Balance : {$220.00} This letter is a formal complaint against CAINE WEINER, a collection agency located at XXXX XXXX XXXX XXXX XXXX CA XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

They have refused to validate the debt. I have sent my validation letter on XX/XX/2021. Even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2021 I reached out to Midland Credit Management and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: FL

Complaint narrative:
I have sent Equifax multiple requests asking for them to identify the random account number they have listed without a name for the original creditor or the collection company they claim owes the debt. It is the XXXX XXXX XXXX 's job to provide consumers with fair and accurate consumer reports. When requested, why is Equifax not providing me with the information I am requesting on an account they have decided to add to my report with no accompanying information? This is not fair and accurate reporting and this account needs to be removed for its inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I reached out to Portfolio Recovery Associates and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received an email from XXXX XXXX XXXX  stated they violated my rights based on California Consumer Privacy act by selling my information to PYOD which is a collection agency. XXXX XXXX XXXX  nor PYOD has no information to prove that it is mine and not paperwork with my wet signature on it. Also my FDCPA laws that protect me was violated based on 15 USC 1692 A ( 3 ), 1692 A ( 5 ), and1692 A ( 6 ). In return, it has lowered my quality of life and causing to pay more to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: NJ

Complaint narrative:
stated to REMEX this is a HIPAA violation and the debt is not mine, i was even willing to pay the debt it if it would be deleted from my credit report ( only on XXXX and XXXX ) XXXX deleted it in XXXX, i was told no the would not deleted even if paid {$370.00}, told cedit bureau several times this not my debt and this is illegal to report this inaccurate information on my reports debt is from XXXX but relisted on my report as new account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Incorrect balances are being shown on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Incorrect balances are being shown on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: U.S. BANCORP
State: IL

Complaint narrative:
Incorrect balances are being shown on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Zillow Group Inc.
State: CA

Complaint narrative:
I sold my home in XXXX XXXX XXXX, CA to Zillow. Zillow used their own escrow company ( Zillow Closing Services ) to handle the funds for my transaction. 

On XXXX I transferred ownership to Zillow and on XXXX Zillow closing services were scheduled to wire {$270000.00} to XXXX XXXX XXXX in XXXX XXXX, CA so I could close on my new home. 

The funds were sent at approx XXXX on XXXX. But the funds never arrived and around XXXX XXXX it came to light that they were wired to an incorrect location that was set up by a scammer to impersonate XXXX XXXX XXXX and intercept the funds. It doesnt appear Zillow followed their internal protocols to verify the wire destination before sending the funds. The destination escrow company called and left numerous messages for the staff at Zillow closing services with no response in order to make sure they knew the wire destination. 

Zillow acknowledged receipt via email of the correct wire instructions and also acknowledged receipt of an irrevocable demand document which shows the correct wire destination. However the funds were sent elsewhere. 

Currently I have no home to go to and every day I am incurring storage costs for all of my items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
I am requesting a full Core Logic report so I can get a full understanding of what is being reported on my credit report Please send to the address below.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2021-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX months ago, I set up a small business and used square to process payment. 

XXXX decided to put my funds on hold and promised to allow me to withdraw it after 90 days being XX/XX/XXXX. 

However, on XX/XX/XXXX, square sent me an email saying that they have decided to hold my funds for an additional 60 days. 

However, today I checked my square balance which was about {$2300.00} to see if it's still there but I noticed square has taken over my funds as my balance is XXXX. 

I need my funds and the access to withdraw my funds from square without any other delay. 

I've waited enough The email address associated with my square account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
In XX/XX/2020, Hunter Warfield, a collection agency added an account to my XXXX, XXXX and XXXX consumer reports. This debt is not mine and I want it removed

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 2021-11-06 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: MD

Complaint narrative:
Experian has my birth year as XXXX but I was born in XXXX. I have disputed this four times and it still hasn't been resolved. When I apply for credit and/or online banking, they say that they can not verify my identity. No one answers the phone when I call. They have an option to upload documents but it is inactive ( at least for me ). 

I have, also, disputed a collection ( 4 times ) on all of my credit reports. I paid it off. They said the investigation would take about 30 days but they come back after 5 days stating that the debt is accurate. The collection was removed from my reports. Then, put back. I feel like they are intentionally destroying my efforts to restore my credit. 

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX Birthrate is 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 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a claim with XXXX XXXX regarding fraudulent transactions. The original claim amount was between $ XXXX. XXXX XXXX  cancelled my debit card and XXXX XXXX digital card number. They reissued a debit card and two digital card numbers. One digital card number was attached to the debit card that was issued and a second digital card number was issues to the individual committing the fraud against my account. When I realized this, the individual had completed $ XXXX in transactions against my account. 

After going through the process of cancelling the debit card that was reissued and canceling the two digital card numbersXXXX XXXX XXXX  issued a credit to my account in the amount of {XXXX 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating they were going to debit my account for XXXX} on XX/XX/XXXX because they credited this amount back twice, in error. 

I immediately called XXXX XXXX to see if I could get on a payment plan and/or could they change the date they are scheduled to debit my account to a later date. XXXX XXXX said they could not do either option. I was told that I would incur overdraft fees and I would have to work with someone in the overdraft department and they could make a payment arrangement. A claims specialist-XXXX, a team lead - XXXX, and a XXXX XXXX, all said there was nothing they could do. XXXX, even told me, I should be monitoring my account daily because she does. I told XXXX, I didnt give a XXXX what she did and that it wasnt my business, and to not tell me what I should be doing. I asked to speak with a manager and she said no one could come to the phone, but shed put in the request and have someone follow-up with me. Then she hung-up the phone. 

I called XXXX XXXX  retail customer service center to explain that I would like to set-up a payment arrangement or figure out a date I could repay the money in a lump sum. I was told theres nothing that can be done on the retail side and claims would have to rectify the situation. I was advised to speak with an escalation specialist and they should be able to assist me. I was then transferred back to Claims where XXXX connected me to a supervisor, XXXX. She stated she couldnt do anything to help, and had no solutions for my situation.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Address are wrong and dont belong too me I left some links and my id so please remove the wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This bank is not doing their job they still have yet to reimburse me for my claim they are doing whatever they want with my account they are not handling my concerns properly or professionally people like me are still trying to get back in order after these past 2 years of XXXX I need my funds released from this bank sooner then later theres no reason I am being told everyday that its pending then told Im denied but its still pending investigation that doesnt make any sense I want my claim reopened and treated fairly and respectfully and properly this bank should not over see anyones funds at this point this bank has become a major problem in my life I need my XXXX dollar claim approved and I need to be reimbursed for this like they said they would because I need my money now iv faxed them documentation police report number my drivers license as well I want my money out of this Irresponsible bank now not later they take forever just to fix my claim then they approve me for one claim saying it was error on my account then under that same card and account telling me it wasnt no error made make it make sense Im doing their job for them its bad enough they claims department did not dispute all my unauthorized transactions like I asked I found that out this year so they had to go back to last year to fix the account they just paid me out for transactions from last year they system is weak I never seen a bank XXXX its customers over so much Im entitled temporary credits on that claim especially after all the XXXX iv received from this bank so can the cfpb please make sure they release my credits properly and Expeditiously because I have my kids to look after and Im depending on my money to be returned to me Bank of America has made easy for these criminals to steal from their customers Im not liable for this claim I know it and Bank of America knows it to they just like to do whatever they want to people amd their money its not ok this bank is horrible the worst bank on earth they can not be trusted with anyones money at all 2 years of this horse manure is enough and I would like to sue this bank for pain and suffering and bad buisness practice with my personal information

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 2021-11-06 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation