vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have my credit score drop from XXXX to XXXX in last few weeks because XXXX credit card account is not able to pull up my disputes and has been charging me interest rate and mimumum payments on the disputed transactions since 2022. They initially gave me the refund took it back and then gave it back to me and then took it again without notifying me. I have called them several times and told them that i changed my bank account and I was tired of the automatic withdrawal for minimum payment every month. 
I told them to put hold or do I need to keep making payments but they told me don't worry we will take care of it. But instead they made my account deliquent and ruined my credit. 

Even after staying on the phone with them over an hour they didn't give me any resolution and told me to call back again. I ended up paying {$480.00} for charges that I do not owe. I have not used the card in the last 3 years besides monthly XXXX subscription being charged to the account. 

I really need help to restore my credit and fix this issue! 

Thank you. 

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
Consumer complaint received 2024-02-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I got a {$75.00} American Express virtual reward card. I have tried to use it at many many different online stores, and it will not work anywhere. I have called customer service multiple times. They tell me websites it will work on and to try there, but it does not. This is ridiculous and customer service is no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: MS

Complaint narrative:
My mortgage was sold by XXXX XXXX to Fay Servicing XXXX around the end of the last year. During my time with XXXX XXXX, I had a repayment plan in process to get caught up on payments that was supposed to end in XXXX with a payment of {$1100.00}. Once Fay Servicing took over the loan, they never tried to contact me via phone or email. They only sent letters staying that I owed {$2000.00} plus on my mortgage with no explanation. Was not able to get anyone on the phone at the time when calling them. I made a payment through the automated system on the phone for the final repayment plan amount of {$1100.00} in the month of XXXX. I finally got logged onto the online portal and found that my account did not reflect me making that payment and stated I only paid {$850.00}. I called and called and finally got a hold of a actual person on the phone on XX/XX/XXXX ( who was extremely rude ) and I explained to him that I made the final repayment plan payment and that should've been finished. He tried to tell me my repayment plan goes until XXXX? And he couldn't explain either why the previous payment didn't reflect the correct amount I paid. He told me that he would get the details of my repayment plan and call me directly in a couple days. That has not happened. Again he was extremely rude as well. It's been two weeks since and now I can't get a hold of anyone on the phone at the company now. This company does not have a good reputation either I'm begging already for this company to sell my mortgage elsewhere or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NY

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius global is committing fraud reporting with no permissible purpose and is liable under the FCRA for violations. have multiple multiple violations as presumably doesn't want to be found but I'm coming

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 2024-02-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: AL

Complaint narrative:
American Car Center was bought by Westlake Portfolio Management last year, right as my wife made her last payment on the car. Westlake Portfolio Management sent her a document letter stating that {$0.00} was owed on the remaining balance. As of XX/XX/year> they repossessed the car for non payment. Upon calling they always avoid questions, or just simply don't have a answer and hang up. When asked why they sent a document stating we owed {$0.00} on the account, they respond with " well I dunno '' and continue saying there's money owed but refuse to provide any proof of any amount owed at all. They simply ignored our lawyer that reached out, and refused to respond to any inquiries regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NY

Complaint narrative:
I recently reviewed my credit and noticed some hard inquiries that I am not aware of. The inquiries are as follows : - 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

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 2024-02-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit and noticed some hard inquiries that I am not aware of. The inquiries are as follows : - 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: GA

Complaint narrative:
I rented a car with my capital one credit card with a {$750.00} credit limit. The total charge was {$740.00}. XXXX illegally charged the credit card {$1900.00} which was significantly over the credit limit and Capital One approved the charge and I am now {$2800.00} over the credit limit of {$750.00}. Capital One allowed this fraudulent charge even though my credit limit is not that high and I disputed the illegal charge multiple times and Capital one failed to investigate the consumer fraud that was happening even after being notified multiple times that the charge was not valid and that no charge over the credit limit should have been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I received notification from XXXX on XX/XX/XXXX that a derogatory account had been reported by Southwest Credit Systems. 

Southwest Credit System reported an unknown account and did not send written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

Additionally Southwest Credit Systems did provide evidence that they are licensed to collect debt in California. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

This behavior is highly illegal and violates multiple consumer laws therefore I have submitted this complaint for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I would like to make a complaint against Wellsfargo Home Mortgage on loan we received in XXXX. The loan we were offered was a actually 2 conventional loans and we wondering why we were not offered any assistance for down payment as a first time home owner at that time to help with a down payment. No one told us about the incentives that the bank offered to XXXX time home owners. We asked the lender if they could help with our down payment, but they said no money was available for this and instead they just put that we had {$0.00} down payment. The loan was originally. The house we were purchasing was originally sold to house by the seller for XXXX but Wellsfargo lenders and underwriters charged us XXXX for the loan. Our loan was split to two mortgages they XXXX XXXX and then they added XXXX mortgage with another lender for almost XXXX with a fixed interest of XXXX percent. We were XXXX time home owner and at that time our friend who were not XXXX were getting money to help them with a down payment for their home loans and we are wondering when we asked for help why did they not offer us assistant for a down payment instead of pushing us into a XXXX loan which was were originally purchased the home from the seller for just XXXX. This is unacceptable and not justified. We were manipulated and robbed and forced into a XXXX loan for a XXXX home as that was what the seller originally sold the house for. We were stuck in 2 mortgages and forced to pay back an extra XXXX loan conventional loan with XXXX rate. We want people to be aware and we want wellsfargo to tell us why we were not offered money to help with down payment in XXXX  like others were offered

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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I've already filed a complaint regarding this manner multiple times to only get the same response every time. This company has a policy of Right to refund that insures a refund if customer request this. I've spoken with the Attorney at CFPB in which she offered to follow up with me and I contacted various agencies to get my money returned to end up always getting the same response from this company about if the transaction was authorized etc. I need a real Resolution as I've contacted law and financial regulations in Illinois etc. and to no avail. It's really disturbing that I'm constantly getting the same response and policy reviews to resolve this as I reported these transactions were a scam for almost 2 years. I'm willing to escalate this through CFPB enforcement to gain most if not all of my money I was scammed out of. Please have the Attorney recontact me to follow up with this as I emailed her also. I've already disputed this multiple times so cash app has record of the transactions and the cash tag names of the scammers. 
The cash tags who committed fraud are XXXX XXXXXXXX and XXXX XXXX and the total amount of the scam was {$3300.00} that was suppose to be for a room rental that never existed. I don't want to get the same response and results as you can see in my previous records as Cash app has a policy to Right to Refund and I need that enforced once a customer like me files a report for scam. Please have the attorney contact me to enforce our original dispute to finally get this resolved as Cash app is proving to not help me resolve this manner. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Reference CFPB Complaint XXXX Considering this company 's history of not disclosing information appropriately to consumers as noted in the finding of the consent order issued by the CFPB in XX/XX/year>, I am shocked that further review wasn't completed to assess the issues involved in this case in which the actions, lag of response, lack of proper communication, and lack of any attempt to rectify the issue and allow me a good faith effort to become current. 

SLS has also added undiclosed fees every month, which only adds to the difficulty of catching up. 

Not only that, it seems that this company made has made it extremely difficult to understand how to procede with any of its proposed processes. I challenge any normal, non-finance person to understand the statements. I also challenge anyone to understand why the company can't reply to an online message with simple instructions. 

The actions and non communication by SLS has directly caused me stress and harm. 
The denial for assistance states that it was not accepted due to the account being over 90 days past due. Your application states that you require proof of change in income, which I provided. I submitted multiple requests in writing for clarification with no answer until it was canceled. I am not asking for anything outside of a good faith attempt to put my mortgage in a forbearance and I've offered to get the loan within 90 days over time, or reset the amortization to that point in XXXX when this started. I would not have filed this dispute of you had not sent a letter saying you may foreclose no matter what payments I send. 

As far as I know the company did not acknowledge my grievance until I filled this case with the CFPB. Iknow the representative documented it but she simply said it didn't mean anything. he company did not explain why I was never told there was a 90 day requirement for assistance. I can not determine what the process is for a successful forbearance. I applied for assistance because of a hardship. but had I known the requirements or had guidance I would have made different arrangements and would be in a easier position to manage. 

I can tell by the previous CFPB findings and the XXXX  complaints that this company does not care about cusotmers making a good faith effort to keep their home. I do not think it's unreasonable in these economic times to request a modification that would allow me a resonalble payment and to keep my home.

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 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
THE COLLECTION COMPANY IS TRYING TO COLLECT ON AN ACCOUNT THAT WAS CLOSED DUE TO A STOLEN CREDIT CARD. THE ORIGINAL CREDITOR WAS XXXX XXXX FOR XXXX XXXX. I ATTACH THE ORIGINAL REPORT FROM XXXX XXXX STATING THE ACCOUNT WAS IN GOOD STANDING AND THE ACCOUNT CLOSED IN 2015 DUE TO THE CREDIT CARD BEING LOST OR STOLEN. 
MIDLAND FUNDING HAS NEVER SUPPLIED ANY VALIDATION OF DEBT AND IS VIOLATION OF EVERY FCRA LAW. ( 15 USC 1681 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: AZ

Complaint narrative:
I paid my bill for XX/XX/year> on time via thru there App connected to a debit card account, everything went fine. In XX/XX/year> I opened the APP to pay my bill, which was the entire balance of {$45.00}. and change and did as I always have done and after clicking submit payment a " Banner '' popped up from this Credit Card APP ( First Progress Card ) that stated payment received. My account should have been at XXXX. 

XXXX weeks later as I checked my credit reports as I always do this account then stated I owed some {$75.00} dollars! They added a late fee. 

I called the company and after my identity was verified, before I could say anything the rep stated, " We never attempted to take your payment! '' Clearly they jumped the XXXX and gave away the scam. They don't want my account paid off, they don't make money that way. 

I sent a letter, NO REPLY. 

I got a XXXX XXXX Money Order and sent the payment to them that way and followed that up with another phone call, They state they never received my letter or my XXXX XXXX payment of course they kept adding late fees. 

I then had to do a trace on the Money Order and it was not cashed. That took time and had to pay for the trace, I sent that info to to the company and of course this is the only company that mail just disappears when sent to them. 

This was a {$200.00} secured account. I had asked them repeatedly to verify that I agreed to pay an annual fee for this " SECURED '' account, they never replied. I don't remember signing up for this low level account and agreeing to pay a annual fee for? 

So now they have dinged all XXXX credit bureau files in my name and have added late fees to the account total of {$200.00} If payment was stated that it was not received because they had an internal, problem with there APP, how about a Phone Call? Text, email or letter? NOTHING .... 

This card is a scam. Please help me They have violated the XXXX XXXX XXXX that states anything mailed is considered received! They have violated the XXXX Fraud Act! They have violated the FCRA and as I have been XXXX for XXXX years they have violated all these things including my rights under the Americans with XXXX XXXX. 

To this day after every contact I have made and letter sent they have NOT RESPONDED AT ALL. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
With all of the fees that banks charge customers these days, I was shocked by this latest one. Truist charges a service fee to customers/businesses for making too many deposits at one time. The treasurer of our homeowners association deposited all of the HOA annual dues checks that he received in XXXX at a Truist branch in XXXX, and Truist then charged us a ~ {$8.00} service fee for that. Are you kidding me?

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 2024-02-28 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
On XX/XX/year> a case claim was made to Vanilla Gift Card Disputes Resolution Department requesting a refund total amount for {$5000.00}. A total of XXXX Vanilla Gift Cards in {$500.00} amounts ea. were purchased in the total amount of {$5000.00}. Our case was investigated and approved for the total refund amount of {$5000.00}. As of XX/XX/year> we received and activated a total of XXXX cards in the total amount of {$3000.00}. We have yet to receive the remaining refund amount of {$2000.00} on a replacement card. We have made several calls and written letters to Vanilla Gift Cards Dispute Resolution Department for completion of the transaction and closing of the case. XXXX XXXX XXXX XXXX Department has not and is refusing to issue the full amount that is owed to us, which is {$2000.00}.

Company response to consumer: Closed with explanation