vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
FIRSTSOURCE ADVANTAGE LLC They spelled my name as XXXX XXXX ( means dead person ) the STRAWMAN. I Sent them ucc codes for the bill which is a check. I asked for a confirmation of debt. The only only only legal confirmation of debt is wet signatures. This company said my debt was confirmed. I asked by who, what company, name of person, title and how was it confirmed by which method. As of today the question still is not answered. These credit card companies write the debt off XXXX percent and then they sell it and get paid again. Am I lost this is double billing. More fraud. The privacy act of XXXX states I must give my authorization or permission to publish my personal information and I did not. I sent a affadavid of all debts are prepaid. This fake credit swap needs to be zeroed out. What you call a bill is really a check. I am willing to go to court and represent myself. If a lawyer represents me it means I am a dead person. I am going to file a XXXX tax form as a whistle blower. You are all billing the bond and saying please send check or money order. You then cash the volcher and my second payment. This is double billing and illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: EQUIFAX, INC.
State: NC

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. 

XXXX XXXX account # XXXX Was reported as a charge off, but is still reporting late payments. 
This is a violation of my credit reporting rights Iv ask for investigation on this matter more than twice and its still reporting on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
Caine & Weiner collection agency has continued to attempt to collect a debt from me that has already been paid directly to XXXX XXXX. I have provided proof to this company that the amount of {$100.00} and {$190.00} has been paid to XXXX XXXX, however they continue to ignore my request to cease and desist. I currently have multiple policies with XXXX XXXX, but in order to obtain these policies I had to pay the past due balances of {$100.00} and {$190.00} which were paid directly to XXXX XXXX on XX/XX/23. At one point in time Caine & Weiner deleted this information from my credit reports but have resorted to placing this information back on my credit reports which is a violation. It has been established that I do not owe this money and it was removed from my credit report, so it needs to remain that way. Caine & Weiner continues to damage my credit score when the continue to attempt to collect this debt from me and place it on my credit report as debt that I owe ; that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BULL CITY FINANCIAL XXXX XXXXXXXX I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and North Carolina Administrative Code. North Carolina regulations require all debt collectors to send specific written documentation verifying the debt. Verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: TX

Complaint narrative:
Dear CFPB I hope this letter finds you well. I am writing to urgently address a concerning issue regarding my Pay fare international  debit card and the missing payment of {$830.00}, which has not been credited to my account. 

I have been a loyal user of the Payfare internationalXXXX XXXX  debit card for approximately Six months now and have had a generally positive experience. However, since I recently started a new job and added the debit card as a payout method, I have encountered significant difficulties in receiving a payment. According to the agreed upon terms, the funds should be deposited into my account every Thursday at XXXX XXXX. Unfortunately, I have not received a payment this week. 

To resolve this matter, I have reached out to XXXX XXXX XXXX multiple times, ive reached out since Thursday XX/XX/2023 explaining the situation and expressing my concerns. However, each time I have contacted them, I have been met with the response to wait patiently, as they do not see any issues on their end. Conversely, my employer has assured me that the payment has been successfully processed and should have been credited to my account. 

I must express my deep frustration with Payfare international for not taking my concern seriously and not providing a satisfactory resolution. As a hardworking individual who relies on these payments to meet financial obligations, this situation has caused significant distress and inconvenience. 

I kindly request immediate action from your end to investigate this matter thoroughly and provide a prompt resolution. The missing payment of {$830.00} has caused substantial financial strain, and I expect it to be rectified without any further delays. 

I appreciate your prompt attention to this issue and expect a response within the next business day. Please reach out to me at XXXX or XXXX to inform me of the actions taken Thank you for your understanding and cooperation. I trust that PayFare international will prioritize this matter and resolve it in a timely manner. 

Yours sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have visited multiple car lots and I did not authorize these credit checks.

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 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I've had debits totaling {$1700.00} withdrawn from my debit/checking account in increments of {$200.00} each. This all began when I called an online remote tv repair company I found on the internet after I called XXXX XXXX to check on the warranty of an inoperative tv I purchased from them a year earlier ( see attachment ). I believe I was told that the repair would total around {$200.00}. Instead, after several attempts, the biller informed me that the debit card I was using for the repair, did not go through. At the time, I didn't think anything was out of the ordinary but I found out later that they had submitted my card numerous times, totaling at least {$1700.00}. I immediately contacted my bank, USAA to file a dispute of the charges. I called them ( USAA ) at least three ( 3 ) times and each time was assured that the problem would be rectified. It never was and I kept getting different responses from different agents about what was being done on their end. 

Bottom line .... USAA is not standing by its reputation of helping the customer resolve disputes. I don't feel that they are investigating the matter fully and don't really care about my case. I am not planning on giving up on getting my funds restored. I am a totally XXXX veteran and on a limited income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was the victim of a phishing scheme and Wells Fargo refuses to replace the {$3500.00} that the criminals stole from us. 

I received a call from Wells Fargo 's fraud department ( checked the number and it was the same as the fraud department number ), telling me that my account had been compromised. I stayed on the call to try to remedy the situation. While I was on the call, the criminal authorized {$3000.00} from one checking account and {$500.00} from another to be transferred via XXXX. It turned out, that it was not Wells Fargo 's fraud department, however, because the phone numbers were the same, how was I to know?

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 2023-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2023 I had a double-closing; selling a house and purchasing another house. On XX/XX/2023 I was informed by the closing attorney that the closing wire payment to Chase Bank was hacked and redirected to another Chase Account. I immediately called Chase Bank and after several transfers was given a case number. On XX/XX/XXXX, I called Chase Bank, spent over XXXX minutes getting bounced from Chase rep to Chase rep. Finally, I reached the Escalations Department and learned that my original claim was never investigated, I was given an escalation case number. I also was promised a response in XXXX business days. ( I did not receive a phone call in that timeframe. ) I called on XX/XX/2023, and learned no progress was made on the investigation and was advised that if I did NOT make a mortgage payment on the house I sold, that I would be reported for " XXXX late payment '' ( negatively impacting my credit ). My primary issue is lack of attention, action and resolution on my closing transaction to Chase Bank, even when the funds were wired to the correct bank, but to the incorrect account as a result of a hack that seems to be more common than one would XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Please see your complaint number # XXXX The issue is with XXXX. For over 2 years, multiple letters and complaints including yours have been ignored. They have been incompetent and negligent by failing to respond to their error.

There is no no issue with my creditors. They keep asking for a specific creditor that I am having trouble with but I dont have any creditor issues.

They will not LOOK AT THE COMPLAINT with any senior / experienced executive. I have NO problem with the other credit bureaus. 

I have over a 45 year credit history and yet they have not updated my report. 

They say : NO open accounts NO open real estate account No open bankcards or credit cars NO RECENT REPORTED ACCOUNT INFORMATION FOR OVER 2 YEARS. They keep responding that everything is ok but the problem is their portal THEY NEED TO CORRECT THEIR COMPUTER GENERATED ERROR.. 
They obviously ignore complaints or letters including from the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I had a previous ( incorrect ) debt collection with XXXX of {$160.00} that was resolved ( with documentation ) in XXXX of 2023. Upon viewing my credit report last week, I discovered that another debt collection agency had been engaged by XXXX, again for {$160.00} and I have received no notification from XXXX  or the debt collection service ( AmSher Collections based in XXXX, AL ) . So not only am I fraudulently being pursued for a non-existent debt, but no correspondence was ever provided to me and my credit rating has been impacted due to these fraudulent activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent the letter off on XXXX XXXX. Here is my tracking # 's ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 ). 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also according to ( 15 USC 6802. ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party These are clear violations of my federally protected consumer rights.

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 2023-07-30 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: MD

Complaint narrative:
I sent the letter off on XXXX XXXX. Here is my tracking # 's ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 ). 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also according to ( 15 USC 6802. ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I purchased an item through XXXX back in XX/XX/XXXX and decided to finance the item through Affirm. I never received the item and was told through XXXX to file a police report because of the cost of the item. XXXX then confirmed the police report and had to report it to Affirm. I was contacted by Affirm and was told from them that XXXX was responsible for sending the police report. Affirm had reached out to me multiple times. I also then reached out to XXXX confirming the police report. There was nothing that I could do on my end at that point besides making sure XXXX sent them the report. That went on from XX/XX/XXXX until XX/XX/XXXX. Which I was then reported for no payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OK

Complaint narrative:
XXXX XXXX is taking money off of my csh app card and I didn't authorize it at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These XXXX credit bureaus drop my credit score XXXX points because a credit card was removed from my account. When we pay stuff off and take it off our credit report that means that we did something good we got something on credit we paid it off and it was good. We should not be penalized for that. this credit system in America is set up to keep you broke and is set up to make you have to have a credit score and then youre judged and rated on that credit score for any future purposes, whether its a financial purpose, a job purpose to get a home or anything. This whole system is a scam and has been taken advantage of. When I see XXXX XXXX that says they can raise my credit score XXXX points in XXXX days because I have my paycheck sent to them and save {$10.00} a month into their savings account. This is proof that our credit score is being taken advantage of. The manipulation of the credit system is out of hand and needs to stop now I need to hear from somebody and fixes need to be made immediately or I will go nationwide with this, and I will bring it to everybodys attention!

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 2023-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
This company continues to misappropriate my account to point of not noting the account timely to garner additional fees. 

The payment for XX/XX/2023 was sent overnight mail on XX/XX/2023, and the money order was cashed/posted XX/XX/2023. The payment for XX/XX/2023 was sent overnight mail on XX/XX/2023, and the money order was cashed/posted until XX/XX/2023. The payment for XX/XX/2023 was sent overnight mail on XXXX XXXX, 2023 and the money order was cashed/posted until XX/XX/2023. The payment for XX/XX/2023 was sent overnight on XX/XX/2023, and the money order was cashed/posted XX/XX/2023. They payment for XX/XX/2023 was sent overnight on XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. The payment for XX/XX/2023 was sent overnight XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. The payment for XX/XX/2023 was sent overnight XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. No payment has been late nor missed so the information they have provided is not accurate. This is indicative of the issues with this company. They payment is sent and they do not pick it up or post it timely which results in what they alleged are late payments. 

Secondly, the XXXX XXXX monies are supposed to provide to all homeowners and in this case, XXXX has XXXX multiple errors since obtaining my account from XXXX, which is now a defunct company. 


Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation