vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: TX

Complaint narrative:
Company gives me the runaround whenever I ask them why I cant deposit funds or send {$500.00} to a friend XXXX, I know how inconvenient it is to have a transaction be canceled unexpectedly. Keeping your Cash App secure is our main priority. We review payment data to help keep Cash App safe. If anything appears out of the ordinary, the payment is canceled. 

Moving forward, we recommend using these best practices when sending a payment : * Only link a personal debit or credit card in your name * Make sure to send or receive payments from people you know or reputable businesses

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Monterey Financial for their repeated refusal to address my request for the missing {$73.00} owed. Despite multiple attempts to communicate and resolve the issue, Monterey Financial has ignored my inquiries and failed to provide a satisfactory resolution.

Initially, Monterey Financial acknowledged my request to cease communication regarding the matter. However, upon my confirmation to resume contact with them, they have consistently ghosted me, refusing to respond to my subsequent messages inquiring about the missing funds. 

To provide context, I received a partial refund check from Monterey Financial for {$220.00}, but I am still owed an additional {$73.00}. XXXX XXXX XXXX, with whom I had been in contact regarding this matter, confirmed this discrepancy. According to XXXX XXXX XXXX representative XXXX XXXX, I am rightfully owed {$300.00}. 

It is deeply concerning and unacceptable that Monterey Financial is playing games with my money, evading communication, and failing to fulfill its financial obligations. As a consumer, I expect transparency, professionalism, and timely resolution from financial institutions. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that Monterey Financial is obligated to provide the remaining {$73.00} owed to me without further delay or evasion. 

Thank you for your attention to this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unauthorized inquiries that have appeared on my credit report. Despite my diligent efforts, including multiple written letters and numerous phone conversations with representatives from the credit bureau, these inquiries persist without resolution. Not only do these unauthorized inquiries cast doubt on my financial integrity, but they also impede my ability to achieve my goal of purchasing a home. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy of the information in my credit report. These unauthorized inquiries must be addressed and promptly removed by the provisions outlined in the FCRA. 

The following unauthorized inquiries must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX These unauthorized inquiries misrepresent my financial standing and unfairly obstruct my ability to secure a home loan, which is essential for my financial stability and independence. 

I kindly request your assistance in advocating on my behalf to ensure the timely removal of these inaccuracies from my credit report. Your support in navigating this matter and upholding my rights under the FCRA is 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 2024-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unauthorized inquiries that have appeared on my credit report. Despite my diligent efforts, including multiple written letters and numerous phone conversations with representatives from the credit bureau, these inquiries persist without resolution. Not only do these unauthorized inquiries cast doubt on my financial integrity, but they also impede my ability to achieve my goal of purchasing a home. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy of the information in my credit report. These unauthorized inquiries must be addressed and promptly removed by the provisions outlined in the FCRA. 

The following unauthorized inquiries must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These unauthorized inquiries misrepresent my financial standing and unfairly obstruct my ability to secure a home loan, which is essential for my financial stability and independence. 

I kindly request your assistance in advocating on my behalf to ensure the timely removal of these inaccuracies from my credit report. Your support in navigating this matter and upholding my rights under the FCRA is 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 2024-04-08 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my 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 2024-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Again this card company I have two cards with Cabela club card and a Walmart rewards card that both where comprised and 5 different fraud claim cases with the police report stating I was not in those places to make these purchases and they refuse to fix my account with thousands of dollars of charges on two account that I would not even to begin to put in this space all the transactions .. never recieved the new cards used to me and still charges going on my account I didnt have the cards in my possession to make

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: AZ

Complaint narrative:
Background : For the past several years, I had a membership with the XXXX XXXXXXXX XXXX XXXX. 

In XXXX of 2023, I went to the gym for a workout, only to discover that it had closed the previous week and had removed all of its equipment. They failed to notify its members that the gym was closing. 

On XX/XX/2023, I received a letter from XXXX XXXX in XXXX, Arkansas claiming that I owed membership dues to XXXX XXXX XXXX  for the month of XXXX, 2023. 

I wrote XXXX XXXX in XXXX, Arkansas and said that I disputed the dues charge of {$31.00} ( my monthly membership fee was {$21.00} ). They added a {$19.00} late fee to this amount. 

Due to the fact that the gym had closed mid-month in XXXX without notifying its members, I sent XXXX XXXX in XXXX, Arkansas a pro-rated cashiers check for {$16.00}. They cashed the check on XX/XX/2023 and failed to send me any follow-up correspondence. 

XXXX XXXX in XXXX, Arkansas continued to send invoices on XX/XX/XXXX and XX/XX/2023, but adding on XXXX additional months of membership dues increasing the fee to {$65.00}. 

On XX/XX/2023, I received a letter from First Credit Services , Inc., ( a debt collector ), stating that I owe XXXX XXXX XXXX XXXXXXXX , Arizona {$67.00}. XXXX XXXX XXXX XXXX claimed that my membership had been transferred to their gym. I have no contract with XXXX XXXX XXXX XXXX , and reject their claim of owning my membership. 

First Credit Services , Inc. then posted a hard inquiry on XXXX claiming I owed {$67.00}. This caused my credit rating to decrease by XXXX points. 

My Documentation : I can prove documentation for this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Academy Mortgage Corporation
State: WI

Complaint narrative:
I bought my first home in XXXX, IL with the help of Academy Mortgage ( XXXX, Il ) in 2021. The following year I got hit with a scam ( publisher 's clearing house ) which was reported to the FTC immediately. No return action was given and the scam ramped up into XXXX attacks on me and the property such as trash bags being left on my front porch on a clean property and the gate to my back yard being broken. There was also a suspicious letter with a fake return address hand written left at the property. Still seeking help presenting all of this to the federal government so I can find all involved and press charges. I had to deal with all of this while recovering from sickness and trying to deal with a back injury that eventually sidelined me from work causing the eventual Mortgage lapse. The publisher 's clearing house scam was the beginning of someone with a disturbing agenda still targeting me and I'm not sure who all was involved so the FTC information I gave them was attempted to be a thing to get more info on myself but with no luck so far. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
I saw Discover credit card account on my credit report and disputed it. However, Discovered card affirmed that I am the person who the credit card account that is in collections. I am a victim of identity theft and I have seen several collections accounts and transactions under my name that I do not recognize. 
I am in the process of fixing all these issues. 
During my job or apartment search period, I have supplied my personally identifiable information to people via phone or email who never got back to me. I have misplaced my drivers ' license and social security card and other important documents within the past XXXX years. 
I don't take loans and the only loan I take or sign up for her education loans to go school. 
kindly help me fix this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am writing to file a complaint regarding Fair Collection & Outsourcing collection agency 's violation of my rights as a consumer. Despite my repeated requests for validation of the debt in question, the agency has failed to provide any satisfactory proof.

The debt in question has been contested by me, and I have provided ample evidence to support my claim. However, Fair Collection & Outsourcing has continued their collection efforts without providing the required validation. This disregard for my rights as a consumer is unacceptable and constitutes a violation of the Fair Debt Collection Practices Act.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Fair Collection & Outsourcing for their failure to validate the debt and their continued harassment in violation of my rights.

Enclosed with this letter are copies of all correspondence between myself and Fair Collection & Outsourcing, as well as any evidence I have provided to support my dispute.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this 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 explanation
Consumer complaint received 2024-04-06 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: TX

Complaint narrative:
I have repeatedly contacted Experian about the reported ID theft as well as supplied them with all the supporting documents they keep telling me that they think Im lying bc the other company verified the info. Its a total disgrace that these companies can allow items to damage my ability to conduct business as any normal person who pays their bills and is responsible should. Instead Im told that they dont believe me or that companies I have never done business with are allowed to report negatively on my credit impacting my ability to do the things I need to do. Then they disregard the law and say we are compliant even though a XXXX grader can read what it says and know they are not.

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 2024-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LoanCare, LLC
State: DE

Complaint narrative:
Used my VA Certificate of Eligibility for mortgage on home at XXXX XXXX XXXX XXXX, DE XXXX. 

VA case number XXXX XXXX Shelter Lender loan XXXX XXXX Loan XXXX  LoanCare XXXX Loan number XXXX My then husband XXXX XXXX, was secondary. We sold XX/XX/XXXX. Payoff XX/XX/XXXX and Deed transfer to new owner. 
Problem XXXX : A lien was placed ( unknown to me ) released via XXXX XX/XX/XXXX. 

Problem XXXX : A XX/XX/XXXX letter about the recent lien clearance sent to the already sold property address with my name on it. I just learned this XX/XX/XXXX while ensuring my information was correct to buy another home. 

Problem XXXX : It appears LoanCare used a different address for mailing, my ex husbands, and transferred the mortgage/account to my ex husband as of XXXX for purchase of his home 7 days before that letter was mailed to the sold property addressed to me. He bought XX/XX/XXXX. 

Problem XXXX : LoanCare allowed ex husband to change access to online account. And there were other irregularities such as an unknown second appraisal Im now discovering. I was primary and not getting the specific info requested. What happened that there was a lien on my VA loan after payoff. And a HUD issue they will not explain. 

Last contact of 5 times with LoanCare was XX/XX/XXXX. 

Note : Have a family court date XX/XX/XXXX in Delaware against ex husband which may include this now. First need to confirm but their tone on phone says they know somehow my VA loan was used for ex home post divorce but say nothing. Hang up.

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 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I obtained a personal credit card with a {$300.00} limit from Capital One and after I was late on a payment, this financial institution charged me a {$25.00} late fee on top of the minimum payment which was {$25.00} as well. After this occured, I immediately stopped using this credit card and destroyed it to prevent the temptation in using it further. Subsequently, I have received continuous harassing emails in regard to collections for this account. For a financial institution to charge 100 % on late fees on top of the minimum balance is highway robbery for the lack of a better term.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
For the last month I have tried to close a XXXX account with Capital One, each time I have requested the account be closed they just change the last XXXX numbers of the card instead of closing the account. They can't seem to understand that I do not want to do business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
creditwise  report on XXXX a closed account XXXX derogatory this is not on my credit report / XXXX  XXXX XXXX on XXXX XXXX delinquent account from XXXX this account has been closed and is not on my credit report it has been removed I DIDNOT FIND THIS INFOR IN MY CREDIT REPORT I WOULD LIKE THEM TO NOT BE APART OF CREDIT WISE AT ALL THAY R NOT REPORTING THE REAL CREDIT I WILL BE FILLING A COMPLAINT /XXXX XXXX XXXX = {$230.00} THIS IS NOT A PART OF MY CREDIT REPORT ( XXXX ) XXXX THIS IS A FAKE CHARGE XXXX XXXX = {$250.00} DEROGATORY ACCOUNT NO XXXX I DO NOT HAVE THIS COLLECTION ON MY CREDIT REPORT AT ALL STOP SHOWING THIS XXXX = DELINQUENT ACCOUNT XXXX XXXX FROM XXXX {$560.00} IS ACCOUNT IS NOT DELINQUENT ( XXXX ) XXXX PLEASE CALL GET THIS OFF MY CREDIT ACCOUNT CREDIT WISE IS A BAD REPORTING I WOULD LIKE IT TO STOP STOP, STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the immediate removal of several charged-off accounts from my credit report per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). The inclusion of these accounts on my credit report not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that accurate and fair reporting of consumer credit information is maintained by credit reporting agencies. However, the charged-off accounts listed below fail to meet these standards and require urgent attention : Account Name : XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$1000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$3700.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : [ Account Number ] Recent Balance : {$750.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$750.00} written off. {$460.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX : [ Account Number ] Recent Balance : {$4600.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/XXXX. 

Furthermore, I assert that I have never received a 1099-C Form about any of the debts. These companies have utilized the alleged debts as tax write-offs without my knowledge or consent, further exacerbating the inaccuracies on my credit report. 

As per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action being pursued to enforce my rights under the FCRA. I trust that you will handle this matter with the urgency and attention it requires. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief