vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Financial Resources, Inc.
State: GA

Complaint narrative:
First Financial Resources , Inc contacted me stating that I owe a balance of {$2200.00} that I never applied for or received.

This account was fraudulent opened using my personal information with no agreement signed. I reached out to the company for the original contract from XXXX XXXX XXXX XXXX signed and the purchase agreement According to Identity Theft and Assumption Deterrence Act ( ITADA ) - identity theft and provides remedies to victims. It allows victims to dispute fraudulent accounts opened using their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This is my third attempt trying to handle this matter with National Credit System. 

In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe, I have not received the following documentation from you # XXXX : Validation of the debt ( the actual accounting ) ; Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; A copy of the contract signed by both parties and therefore binding both parties. 
Please also provide me with a TRUE and CERTIFIED COPY ( NOT PHOTOCOPY ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 
Payment history from original creditor A non negotiable estoppel notice was sent XX/XX/XXXX ( CM # XXXX ) and XXXX XXXX ( CM # XXXX ) requesting the creditor to removed the following account : National Credit SystemXXXX XXXX XXXX XXXX XXXX {$3000.00}. 


Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under The Fair Debt Collection Practices Act. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. ) 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy.

2. ) 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you.

3. ) 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

4. ) 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

5. ) 15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. ) 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX [ XXXX ] Re : Formal Complaint Against Wells Fargo Bank - Currency Conversion Discrepancy and Lack of Disclosure Account Number Ending in : XXXX Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo Bank regarding an unjust currency conversion rate applied to my account during a transaction on XX/XX/. 

Despite Wells Fargos claim that the conversion of my XXXXXXXX XXXX  to XXXX USD at a rate of XXXX was standard procedure, I found the rate excessively inflated compared to the market rate on that day, which was significantly lower. Moreover, I was not informed of this markup prior to the transaction, a clear violation of transparency standards set by the Consumer Financial Protection Bureau. 

I have attempted to resolve this issue directly with Wells Fargo twice, with no satisfactory outcome. The banks response, claiming the need to charge higher rates to offset their risks, was unsubstantiated and did not provide any specific evidence or justification for such risks. 

Therefore, I request a rectification from Wells Fargo, either by reversing the transaction or providing restitution for the excess amount charged due to the inflated exchange rate. 

I look forward to your prompt response and a resolution to this matter. 

Sincerely, 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 2023-12-07 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: Colony Brands, Inc.
State: TN

Complaint narrative:
I was a victim of this data breach and I would like for this be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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:
Viewed the credit report and it shows that the XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XXXX its showing incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The companies listed below are constantly reporting false information to the credit bureaus and I previously made a complaint and nothing was done. I have them as a collections on my report that should not be there. These are violating my legal right to privacy and I would like it to be resolved. They have yet to provide proof of any written agreement from myself. Their accounts were created illegally against my authorization violation the fair credit act and my right to privacy. Legally there is suppose to be written proof of notification of any debt 30 days before due date. Shown to be sent by certified mail, Im requesting proof of that from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: MO

Complaint narrative:
On XX/XX/, Dovenmuehle Mortgage Inc. sent me a letter identifying I was owed {$540.00} in unclaimed property and noting that I had until XX/XX/ to claim those funds. The letter noted that in order to claim those funds I must sign and return the letter via standard mail, fax, or email. On XX/XX/ I emailed a signed copy of the letter and called Dovenmuehle and was assured I would be receiving a check within ten business days. On XX/XX/XXXX  I called Dovenmuehle again to inquire about the status of my property and was assured it would be expedited. On XX/XX/ I called Dovenmuehle again and they informed me they had not received the signed letter via email. I sent another copy and the agent on the phone acknowledged the receipt of the email and sent me a letter confirming I had met the due date to claim my property. On XX/XX/ I called Dovenmuehle to inquire regarding my property and was told that they had sent the money to Missouri 's unclaimed property. There is no record of those funds in Missouri 's unclaimed property database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Tried to logon to my XXXX XXXX bank account, but couldnt access; tried two more times, then I was locked out. There was a XXXX number to call for XXXX  Customer Service XXXX Called, explained problem ( just got new XXXX two days before and I thought that was the reason I couldnt get in new device ). Possibly part of the problem, but problem needed to be turned over to our fraud department and would I give them a time to call me back. A person from XXXX Fraud unit named XXXX did and I was told at XXXX XX/XX/XXXX someone from XXXX XXXX XXXX hacked my email address requesting {$40000.00} USD from XXXX This is an XXXX XXXX XXXX XXXX, therefore it must be reported to the Feds. Since international money transfers take between XXXX hours to process, there was time to freeze the transaction. Someone named XXXX XXXX supposedly a Fed ) would be our contact and she provided the name of the bank XXXX Bank of America in XXXX XXXX, CA XXXX ) we should wire the $ XXXX to an escrow account to hold. This document also had names, addresses, account/routing numbers, etc THIS INFO : BofA Bank Name XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Routing : XXXX XXXX address : XXXX XXXX XXXX, XXXX XXXX. CA XXXX Account holder address : XXXX XXXX XXXX XXXX, CA XXXX Unfortunately we did wire {$40000.00} to this address. The story goes on and on from here but Im not sure how much detail you need initially. We have gone to our REAL XXXX XXXX bank and had both checking/savings account numbers changed and XXXX has put a request to BofA to return the $ XXXX, but all they can do is request so Im not holding my breath. 

In the mean time the false XXXX and FBI agents ( XXXX, XXXX and XXXX ) have been calling me all day requesting another $ XXXX to be transferred. Stopped responding to texts and phone calls and I. CERTAINLY DID NOT WIRE ANOTHER $ XXXX!!! 

Phone numbers these people are calling from are : XXXX XXXX ( sometimes from XXXX, FL if there is such a place?

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 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
On XX/XX/XXXX my bank account was garnished about XXXX. I obtained information on garnishement from my bank. Garnished by Roosen Varchetti and Oliver. I searched their phone number and realized I had blocked this phone number on my phone in Early XXXXXXXX XXXX after multiple harassing, repeated phone calls. I get client calls on my phone so on XX/XX/2023, after receiving 2 calls in 2 minutes, I finally blocked the number. At no time, did this phone number leave a message to identify who they were or why they were calling me. My decision to block this number came after multiple days after repeated phone calls in short time frames. I am sure it was more, but the only ones I have documented are through XX/XX/XXXX. I see that they called on XX/XX/XXXX but do not have times documented. They called 2 times in 5 min on XX/XX/2023 ( XXXX and XXXX ), called 2 times in 3 minutes ( XXXX and XXXX ) on XX/XX/XXXX, 2 times in 11 minutes on XX/XX/XXXX ( XXXX and XXXX ), FIVE times in 20 minutes on XX/XX/2023 ( XXXX, XXXX, XXXX, XXXX and XXXX ) and finally, on XX/XX/2023 they called 2 times in 2 minutes ( XXXX and XXXX ) so I finally blocked the number. At no time, in any of these calls, did they leave on single voicemail. I blocked them because they were disrupting my work and not identifying themselves. I belive if they were not attempting to contact me in this manner, I would have been able to work something out with the debt that was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I received 36 payment notifications from CashApp showing payments to XXXX XXXX XXXX. Of these 36 transactions, CashApp declined 9 of them sporadically and notified me that they denied them because of suspected fraud. All of these charges occurred in less than 30 minutes. I contacted Support and was told that once the charges were no longer pending, I had to go in and dispute each charge, one at a time. I disputed the charges. I began receiving emails that I had to verify my identity on XX/XX/XXXX. I got on my CashApp to verify my identity with my drivers license and a picture of myself. My identity was verified on all disputes except for 1. It stated it couldn't confirm my identity. On XX/XX/XXXX I received an email from CashApp telling me that my CashApp account had been closed and that I could withdraw any existing funds from my account but that was it. They proceeded to refund 3 of the fraudulent charges but will not give me an answer on the remaining 24 disputes. Only that they have no more information to give me at this time. I also filed a dispute with XXXX because I do not have a XXXX account. After doing a little research, this problem has been ongoing for over a year with CashApp and XXXX fraudulent charges and they have done nothing to prevent it. The same person 's name is being used to steal thousands of dollars from individuals and CashApp nor XXXX XXXX is taking responsiblity for it. I, myself, am out over {$110.00} which is small compared to some. Their lack of communication and failure to send me the documents that they say they manually reviewed in denying my disputes, is a great cause for concern. These Mega giants are costing consumers a lot of money by their lack of protecting our accounts. If CashApp felt there was fraud in the 9 transactions that they declined, they should have declined all the others that were made by the same account on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX, nor have I received services or made purchases with this company. Also, I have never received any billing statements from XXXX XXXX XXXX. 
I did receive numerous phone calls from this organization. They have requested payment over the phone. I thought it was a scam being that I know nothing of this company. Additionally, when I requested them to mail me a bill the representatives on both occasions were extremely unprofessional and rude and simply ended the call by hanging up on me. One of the representatives threatened to report me to the credit bureau. Therefore, I checked my credit report today and I am filing this dispute. 
I do see in my credit report XXXX XXXX XXXX may be a collection agency for XXXX XXXX XXXX. However, I have never received a statement for medical services from XXXX and I make monthly payments to XXXX XXXX XXXX. 
I want XXXX to remove this from my credit report because I have never been billed and I do not have a contract with this company. I also believe this company has not followed the Fair Debt Collection Act. 
I have filed a complaint with the XXXX XXXX XXXX. I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) website. 
I appreciate your help in this manner. As you can see from the history on my credit report my credit standing is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I filed a complaint with Transworld about a negative account that was placed on my credit report that I know does not belong to me. My name is XXXX XXXX XXXX, I have a son who is XXXX XXXX XXXX who lived at the address listed on the billing statement you provided as proof. This address is not listed on my credit report anywhere. This is for a XXXX account that I never had at an address I never lived at. 
The bill you presented does not give the name of XXXX XXXX XXXX or XXXX XXXX XXXX so how can you tell which person this belongs to? Can you provide any proof other than a bill from XXXX  that it belongs to either of us? I have a current and active XXXX account now in my name that I can prove belongs to me! 
I'm pretty sure you know like I do ; a billing statement is not considered sufficient evidence of ownership. So, this is my second time asking you to please either provide me with specific ownership of this account belonging to me XXXX XXXX XXXX, or remove it from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: WA

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

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 2023-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
After learning that a company called Wakefield and Associates , Inc is reporting on my credit profile at all three credit bureaus, I requested validation of debt, breakdown of fees, & HIPPA authorization via a certified letter ( USPS # XXXX ) on XX/XX/2023 with a return receipt which was signed by " XXXX '' at Wakefield & Associates returned to me XX/XX/2023. After sending them this request in writing, Wakefield began communication tactics and called anyway despite my request and called at XXXX XXXX on XX/XX/2023 ( Phone Picture Proof attached ). They never responded to my request or wrote me back with the information I requested. I don't even know who this company is nor do I owe this debt. They are FALSELY reporting to the credit bureaus with a debt that I do not owe and thusly using abusive tactics to obtain money and destroy my credit worthiness. Please help me cease the reporting of information concerning me from this company on a debt that does not belong to me neither do I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Wrong address on rental report, fraud since I lived at XXXX XXXX XXXX XXXX XXXX ca 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 2023-12-07 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.

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 2023-12-07 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
SYNCB/TJX DC Inquiry date XX/XX/2022 I did not authorize a hard pull of credit by this company on this date or at all. Due to this hard inquiry it is preventing me from doing things to this day.

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