vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield & Associates is on my credit report as my owing them {$500.00}. This is not my debt and XXXX will not remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Please find attached : ( XXXX ) all pages governed by the XXXX  related to each parties contractual obligations to Account # XXXX, ( XXXX ) The current payment demand dated XXXXby Bank Of America, NA for {$280.00} XXXX all pages ) received XX/XX/2023, ( XXXX ) copies of that payment issued pursuant to and in accordance with this Debtor 's contractual obligations and that lender 's servicer 's agreed to terms [ now appearing to be modified without the consent of the debtor/borrower ] for {$760.00} sent by Certified U. S. Mail and Noticed as delivered on XX/XX/2023 XXXX XXXX ) the postal print out of the failures of BOA NA to retrieve that payment in a timely manner. This lender and servicer is acting, without exception with and in BAD FAITH at each and every turn ( XXXX ) is that demand of the Legal Department of Bank of America related to that necessary Loan Modification and assistance with their security interest in that Vehicle which collateralizes the debt, not only have they failed and refused to communicate they also failed and refused so execute the Return Receipt attached to that Certified Mailing causing a Chargeback to be had for that {$8.00} paid to USPS for the service they failed to perform and obtain. 
It is blatantly obvious there is but XXXX party bound by the terms of that contract and XXXX party that completely flouts the laws behind the contract making that relationship and contract unenforceable in law and fact.

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 2023-06-05 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: FL

Complaint narrative:
A purchase was made with Wayfair in the amount of {$93.00} and charged to my Wayfair Mastercard Account issued by Citibank. The merchandise was returned to Wayfair via XXXX after calling Wayfair to advise them of the return. I was sent a XXXX  XXXX  via email and the item was picked up on XX/XX/XXXX by XXXX, and received by Wayfair on XX/XX/XXXX. I did not receive credit for the return and initiated a dispute with Citibank Wayfair on XX/XX/XXXX. To date, I have not received a credit for the return, nor a temporary credit during the dispute investigation by Citi. On XXXX Citi added an additional charge to my account in the amount of the initial purchase for another {$93.00} which leaves me with a balance of 2 X {$93.00}. I am getting nowhere attempting to contact Citi myself. I have faxed them proof of pickup and delivery of the item and the receipt at the warehouse by Wayfair 4 times. I faxed the info twice and sent it via US mail in hard copy two times as well. I contacted the bank today and received absolutely no explanation for the incompetent handling of my account, nor an explanation of why I have now been double charged for the original item returned and did not receive the temporary credit for {$93.00} during the investigation process. I was hung up on 4 times by representatives, XXXX, XXXX, XXXX, and XXXX. I still have no resolution to dispute that was initiated over 60 days ago.

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 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
Greetings, I have been contacted via several emails and a postal letter by : Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX The above contacted me about a debt not owed by me for my daughter in her student housing apartment complex, XXXX XXXX, in XXXX, Kansas. My daughter moved out officially on XX/XX/2023, and all utility bills were paid as can be seen in the attached files. If XXXX XXXX didn't acknowledge the payments it's because of the depth of ineptness within the XXXX management ; namely an assistant by the name of XXXX XXXX. 

In a telephone conversation, I asked for details of the alleged debt as nothing specific was mentioned. The letter only states : 'defaulted contract with the company, ' I was told in the letter to respond with a phone call or in writing by XX/XX/2023, to avoid any collection actions. I did so with a phone call. However, contrary to their statement of no action before XX/XX/2023, they had already posted a derogatory comment on my XXXX Credit Report on XX/XX/2023 ; an action inconsistent with their alleged policy. They are ignoble liars. Furthermore, on XX/XX/2023, I was advised in a telephone conversation with XXXX XXXX, a representative of Aldous, that I would receive an email that detailed the amount owed within 24-48 hours, but that never happened. Had I received that letter I would have had the time to respond in writing via overnight express mail, and stopped any collection activities or notifications to credit reporting companies, according to them. But unfortunately, their word and statements amount to nothing more than lies, and misleading letters and phone calls with their representative.

Two issues : The company lied about sending detailed info about the alleged debt. 
The company posted derogatory info to credit bureaus before the deadline to disagree. 

I want Aldous to pay the statutory amount to me as a consumer for their unscrupulous behavior, and remove all derogatory info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally protected consumer rights and confidentiality under 15 USC 1681. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my rights. 

15 U.S.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 reporting agency can not furnish a account without my written instructions.

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 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: TN

Complaint narrative:
Subject : Urgent Matter : Fraudulent Transaction and Lack of Resolution Dear Sir or Madam, I am writing to bring to your attention a serious issue that I recently encountered with Cash App, the digital payment service. I believe their handling of this matter directly contravenes federal laws concerning fraudulent transactions. 

On XXXX of 2023, I discovered that an unauthorized individual had transferred {$500.00} into my Cash App account. This person then proceeded to send these funds to another account under the name XXXX XXXX, all without my knowledge or consent. I had never granted this individual access to my account, and this incident has put my financial security at considerable risk. 

Immediately upon noticing the incident, I reported the fraudulent transaction to my bank, XXXX XXXX, who began a dispute process. Simultaneously, I contacted Cash App requesting them to reverse the funds to prevent my account from going into a negative balance. Despite my prompt communication, I received no assistance from Cash App. 

Today, my Cash App account is in the negative, and Cash App 's customer service has declined to investigate or provide any form of remedy. This disregard for my legitimate concern is not only extremely disappointing but also, as I understand it, a direct violation of federal regulations. 

As per Federal Trade Commission regulations ( FTC ), consumers are not held liable for unauthorized transactions that occur due to the loss or theft of their access devices, provided these are reported promptly ( Regulation E, Electronic Fund Transfer Act ). I promptly reported the unauthorized activity to both my bank and Cash App, fulfilling my obligations under the law. 

Cash App 's failure to assist me or investigate my claim effectively denies me the protection provided under federal law. It is important that their non-compliant behavior is addressed promptly to ensure that other consumers do not experience similar problems in the future. 

I request your immediate assistance in this matter, and I would greatly appreciate any help or guidance you could provide in getting Cash App to comply with their legal obligations and resolve this troubling situation. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX : XX/XX/2022 this company made an inquiry on my Transunion credit report without authorization, I contacted them by phone with no avail, I contacted them in writing it has gon unanswered.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. My FTC XXXX number XXXX Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Its not my account its identity theft my identity was stolen

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 2023-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, This is my XXXX time requesting this information. Your customer service representatives keep giving me the run around. 

May I please have the agreement that was set in place for the security interest on my XXXX XXXX XXXX? 

DO NOT send that retail installment agreement. That is not what I am asking for. 
If you are still confused what I am asking for you may have it labeled as the " Purchase agreement '' or " bill of sale '' I do not want it sent by mail because you are not going to send it out. Either email it or reply back to this complaint with it. 

My email address is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
On XXXX Called the collection agency regarding a the validation letter I sent certified. The manager informed that the letter was received and that they are waiting for progressive to provide the proof of debt and documents. 

List of documents I requested : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I received a bill that did not include the information requested. Based on the FDCPA, I have the right to receive the information requested. 

On XXXX called the company to request updates on the request. Spoke to " XXXX XXXX '' Assistant Vice President who told me that I do not have the right to ask for the information and that the company does not have the obligation to provide the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
My first complaint was resolved after you contacted them. 
You closed my complaint # XXXX because " it has been resolved ''. 

Please note that above complaint is a totally different problem. 

So they gave me the credit of {$1000.00} after 4 months, however that charged attached account {$1000.00}. Attached account is firstly a closed account and second charged me the {$1000.00} that they credited to my then open account. 

I am therefore not paying them a dime BUT I am afraid that they might report me to the credit bureaus as " late payment ''. 

PLEASE help me on this one. I feel that they are intentionally doing this to harass me. I am getting stressed out by them. I have also waste a lot of time since the credit issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my privacy and confidentiality under 15 USC 1681. 
Accounts ; [ XXXX XXXX ( XXXX ) ] [ XXXX XXXX ( XXXX ) ] [ Affirm ( XXXX ) ] [ XXXXXXXX XXXX  XXXX XXXX XXXX ) ] [ Credit XXXX Bank XXXX XXXX ) ] [ Dept. of Education/XXXX  ( XXXX ) ] [ XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX  XXXX ) ] [ XXXXXXXX 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 XXXXXXXX ) ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Money Transfer Acquisition, Inc.
State: CA

Complaint narrative:
ID FOR COMPLAINT # XXXX Hours after I filed the complaint with the CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX eligible money, so that the person in my country could withdraw it, without giving a reason, or any investigation case number, not giving any explanation of the right or law, they withheld the money, I withdraw the complaint since everything was resolved resolved today XX/XX/2023. 
if it is convenient to transfer these suspicions case to any investigation department that is interested in this case, to protect the consumer and avoid fraud or use of personal data in illegal illicit things. I agree, especially the payer in XXXX thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
my credit information was stolen and use without my consent 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
my credit information was stolen and use without my consent 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2023-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am writing again to request a reasonable and more affordable loan modification for the property at XXXX XXXX XXXX XXXX XXXX, MD XXXX. In response to complaint ID XXXX and XXXX. 

When offered the new loan modification, my gross income before taxes is {$2500.00}, after taxes my net income is {$1700.00} as a full-time employee. I am currently still on short-term XXXX and my estimated return to work is now XX/XX/2023, whereas my current gross is {$1700.00} and my net is {$1100.00}. 

Based on my current expenses and the new loan modification {$1800.00} with the increased interest rate of 3.375 % to 6.875 % is not affordable per month, I asked that you alter my previous payments to the original monthly payments of {$1400.00} using the existing unpaid principal balance of {$150000.00} and not the new modified unpaid principal balance of {$170000.00} of {$1800.00} per month in payments. Aside from the interest rate and outstanding balance due what other factors were used to determine my new modified monthly payments? 

I can be contacted at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have a brokerage account with Robinhood, and used it to make small investments in the stock market as well as purchase cryptocurrency. In XXXX of last year, my crytpo holdings in Robinhood were sold and my account was deactivated, with no warning or consent. Inquiries with their customer service to understand why this happened went by with no response. Just prior to this happening, I'd transferred {$10000.00} from my verified checking account into Robinhood in preparation for stock purchase, but after my account was deactivated, I was not ( and am still not ) able to access my funds. I completed Robinhood 's third-party account verification process twice, and I still have a deactivated account and no access to my funds. Multiple emails and calls to their customer service have left me with no explanation, timeline for verification completion, or the state of my requests. I can no longer request a call from Robinhood customer service via the app, because my account is deactivated, so I must resort to email communications- most of which go unanswered. I'm therefore lodging this complaint in order to access and withdraw my funds from my Robinhood account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Express Collections, Inc.
State: SD

Complaint narrative:
Debt collection company has committed identity theft in contacting me without permissable purpose. 
Debt collector company has brought a suit on a debt that has been satisfied and charged off ( Fabricating a debt obligation of a third party private court bypassing federal law in connection with collection of a debt without a court of commpetent jurisdiction and without written express consent. ) Debt collector company has used the mail to send false and misleading communications thru the US mail using US zip codes to solicit money in a debt collection scheme by an attorney, clerk or judge.

Debt Collector company violates 15 USC 1692 i ( b ) by bringing suit without standing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation