vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
On XX/XX/XXXX, XXXX and XXXX, I received written correspondence from Transworld Systems Inc. regarding a medical bill for a XXXX XXXX for {$4500.00}. 

The XXXX XXXX never received any medical related services on the dates provided on the letters from the debt collection agency. 

The XXXX XXXX  was not present at any facility on the dates of services nor was any care authorized by the debtor. 

The parent named as the debtor never provided any consent, signature, verbal or written consent for any medical services to be provided on the date ( s ) of service. 

The debt collection agency is intimidating our family by sending notices for the same illegitimate debt 3 times over the course of 4 days. 

I contacted Transworld Systems XX/XX/XXXX and said this debt does not belong to me or the XXXX XXXX. I was told repeatedly that I could not dispute the debt over the phone and that the debt was valid and that it would be reported to my credit if I did not pay it by XX/XX/XXXX or accept a payment arrangement. 

On XX/XX/XXXX I sent a letter disputing the debt and asked for the information that could be provided, such as the name of the original creditor. 

I contacted Transworld Systems XX/XX/XXXX and asked if my letter was received. I was told there is no record of the letter 7 days after the letter was mailed US Mail. 

Transworld representative said you can also submit your dispute online. I reiterated that their online website was not operating and that I was unable to get credentials to log into the website after several attempts. 

The representative was getting frustrated with me and elevated their tone and told me, you are responsible for the debt and it will be reported against your credit if you do not pay it on time. The representative went on to say, your dispute, even if you really sent one, won't accomplish anything meaningful for you. You will still be liable and further action could proceed against you if you do not pay the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: UT

Complaint narrative:
I have been with Flagstar for over two years and I always pay my mortgage on time every month. I requested to waive the escrow account so that I can manage the tax and insurance payments myself, but I was told that they will charge a 0.25 % or {$150.00} ( whichever is higher ) escrow waiver fee even though I have been with them for more than 2 years.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I called XXXX on XXXX about unauthorized inquired furnished on report they advised they have no record and is unsure who pulled my report I Called Equifax and spoke with a very rude supervisor name XXXX  who showed unwillingness to help I explained to her that I have the FTC report with the inquiry name and date it was pulled and would like it removed because it was unauthorized she stated that I needed to mail in information and showed no type of interest to help me with this issue because I also wanted information to put a security freeze as my credit keeps getting pulled by unauthorized companies I have attached the FTC report below I want this inquiry removed because I am a victim of identity theft and did not authorize this credit pull with XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  XXXXTHIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
Equifax is reporting fraudulent hard inquiries on my credit report, I have not authorized these hard inquries, and somebody else made them on behalf of my name : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM TRANSUNION

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 2023-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX Office Hours : Monday through Thursday XXXX to XXXX XXXX, Friday XXXX to XXXX EDT, Saturday XXXX to XXXX EDT Our Account # : XXXX Creditor : VIEW AT XXXX Creditor 's Account # : XXXX XXXX telephoned, I explained I have a cancelled check for the move out fees they are attempting to collect. I was told no you dont. I asked for proof of debt, they said they were looking at the proof, I needed to pay it now or it would be placed on my credit bureau. I immediately disputed the debt and asked them to cease communication until I receive proof of debt, by mail. I insisted on only written correspondence. The TSI rep. hung up. I have since received numerous calls and hang ups from their virtual agent when I refused to hold for the next agent. I am now getting email correspondence that I have never consented too. I have contacted the landlord and confirmed I have no balance. I also have the specific canceled check. I am not willing to be bullied by this group of illiterate animals. In reviewing my options against this organization, I have discovered that they have violated my mini XXXX rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
TransUnion is reporting fraudulent hard inquiries, on my report that I did not authorize : 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 non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My mortgage company is XXXX XXXX XXXX serviced through LoanCare. They were experiencing outages of their newly renovated website. I made a payment, and they withdrew two payments from my checking account. One of those withdrawals was without my authorization and an error on their end. My checking balance is now negative {$2100.00} and I have no access to money. Orders Ive placed have been cancelled due to insufficient funds and I have no access to cash. I spent two hours on the phone and they refuse to expedite the refund. My complaints are that they took money from my account without authorization and they will not refund it in a timely manner.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
WELLS FARGO BANK, N.A., WELLS FARGO & COMPANY, and its affiliate, WELLS FARGO CARDMEMBER SERVICES, wrongfully and deliberately closed my credit card account. Upon doing so, I received deceptive mail fraud from XXXX XXXX XXXX XXXX. indicating that WELLS FARGO BANK, N.A., WELLS FARGO & COMPANY and its affiliate, WELLS FARGO CARDMEMBER SERVICES sold the alleged debt, and have been paid for the alleged amount they assume to be due and/or owed, which is a clear indication of unjust enrichment. According to WELLS FARGO & COMPANY 's XX/XX/2023 10-Q form filed with the Security and Exchange Commission ( SEC ) , page 114, Note 13 : Securitizations and Variable Interest Entities ( VIEs ) Loan Sales and Securitization Activity, it conspicuously states : " We ( WELLS FARGO & COMPANY and its affiliates ) periodically transfer consumer and commercial loans and other types of financial assets ( asset backed securities, credit card applications ) in securitization and whole loan sale transactions. '' Furthermore, page 116, also of Note 13, Transactions with Unconsolidated VIEs OTHER VIE STRUCTURES, WELLS FARGO & COMPANY and its affiliates conspicuously state : " We engage in various forms of structured finance arrangements with other VIEs, including asset-backed finance structures and other securitizations collateralized by asset classes other than mortgages. Collateral may include rental properties, asset-backed securities ( credit card applications ), student loans and mortgage loans. '' Upon establishing the credit card account with WELLS FARGO & COMPANY and its affiliates, WELLS FARGO & COMPANY and its affiliates, bought, sold, converted, transferred and traded the credit card application ( asset backed security ), also known as commercial and chattel paper, into a security to be bought, sold, pooled, invested and reinvested on the prime and secondary markets in both the public and private sectors. A forensic XXXX audit locating the XXXX to the credit card application ( asset backed security ) and credit card account can and will confirm. Therefore, as an investor in WELLS FARGO & COMPANY and their affiliates, I am due equitable compensation. Regardless of the reason ( s ) the account was closed, I have the right to credit. Withholding my access to my securities is securities fraud. WELLS FARGO & COMPANY and its affiliates are knowingly and willfully operating in dishonor, unjustly, in bad faith and with unclean hands. If we are unable to reach a fair and reasonable agreement within the next 30 days, I will have not other choice but to pursue legal action.

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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CO

Complaint narrative:
on XX/XX/XXXX, i purchased a " service '' that turned out to be false. the " merchant '' never delivered my order, and upon reaching out i never even got a response back from them. i also started looking for reviews on the " service '' and they had a reputation for not fulfilling their orders and essentially just keeping the money. so i tried to dispute the transaction with cashapp, since i used the card i have with them for the transaction. they provide no claim number but below i have attached my chats with their customer support and the email i received upon sending my dispute on XX/XX/XXXX. They show no interest in wanting to give me an update and aren't too keen on even expediting the dispute process when i have provided sufficient evidence of the merchant essentially running a scam. They give me the same generic response every time i try to follow up and seem to get no where. i just want to be reimbursed for my funds that have been withheld/ missing now for well over a month for a service that is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Dear Experian : To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 10 PREVIOUS LETTERS to you, all by certified mail requesting that you REMOVE INACCURATE INFORMATION from my file and you have failed to do so. 
Accordingly, I can show a judge that these accounts are ERRONEOUS AND COMPLETELY INACCURATE and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons WERE NOT FRIVOLOUS in any way.

These items are reported inaccurately : 1. Misleading false reporting. This account is negligently and inaccurately reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1666b - Timing of Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
If this final request does not prompt you to conduct a PROPER INVESTIGATION of these accounts in question, and SEND PROOF to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I AM WELL AWARE OF MY RIGHTS UNDER THE FCRA ( FAIR CREDIT REPORTING ACT ) and I intend to pursue them to the maximum. As you are well aware, federal law requires you to respond within 30 days through U.S. Mail.
Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX & CFPB.

I await your response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Per the credit card act of XXXX, all payments should satisfy the higher interest then the lower interest. I had just under {$490.00} in purchases, made a {$500.00} Payment and was still charged the 27.24 % off the purchases. I also have XXXX promo balance transfer with balance. Per the credit card act, the highest interest balance should be paid first before the lower one is applied.

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 2023-12-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AMERISAVE MORTGAGE CORPORATION
State: WI

Complaint narrative:
Amerisave mortgage company has violated federal regulation c, falsified documentation to illegally portray it was granting a mortgage to a court ordered party but instead willingly and knowingly went against court orders. 

2020 title company violated federal regulation C, falsified documentation to illegally portray it was granting a mortgage to a court ordered party but instead willingly and knowingly went against court orders.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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