vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
Dear CPFB Representative, I am writing to express my deep concern and frustration regarding an unresolved refund owed to me by Monterey. This is a follow-up to COMPLAINT ID XXXX. Despite my prompt payment of their bill, I have not received a refund from Monterey, which is completely unacceptable. 

It has been XXXX weeks since Monterey promised to mail the refund in response to my previous complaint, but I have yet to receive it. Monterey 's lack of follow-through demonstrates a lack of respect for their customers and puts me in a position of financial inconvenience. 

I demand that Monterey refund me promptly. I have already paid their bill on time, and I should not have to wait any longer for the refund that I am owed. It is unacceptable that Monterey expects prompt payment from its customers, but it can not uphold the same level of responsibility when it comes to refunding owed amounts. 

Despite my attempts to communicate with Monterey 's representatives, I have received no response. This lack of communication only exacerbates the issue and leaves me feeling ignored and undervalued as a customer. 

I urge you to intervene and ensure that Monterey is obligated to refund me promptly. They must understand the importance of timely and respectful communication with their customers, especially concerning financial matters. 

Thank you for your attention to this urgent matter. I demand your prompt assistance in resolving this issue and obtaining the refund owed to me. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CFPB Complaint Regarding Credit Collection Practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX SSN : XXXX ( Email Address : XXXX ) Date : XX/XX/2023 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Credit Collection Practices of Credit Resource Management Dear CFPB, I am writing to file a complaint against Credit Resource Management ( CRM ) regarding their debt collection practices for an alleged debt owed to XXXX XXXXXXXX XXXX. I am disputing the validity of this debt entirely. 
Dispute of Debt and Revocation of Communication Methods I am disputing all claims that I owe any debt to XXXX XXXX XXXX, as collected by Credit Resource Management. I request that CRM cease all communication attempts with me regarding this debt, including phone calls, emails, and text messages. 
Request for Debt Validation According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive written validation of this debt. This validation should include the original creditor, the amount of the debt, and a breakdown of charges. Please furnish this information to me within five days of receiving this complaint. 
Request for Purchase Agreement I am also requesting a copy of the purchase agreement between Credit Resource Management and the original creditor, XXXX XXXX XXXX. This document will help me understand the legitimacy of the debt transfer. 
Proof of Licensing and Bonding Please provide documentation proving that Credit Resource Management is licensed and bonded to collect debts in my state.

Lack of Proper Notification I have not been given a proper opportunity to dispute this debt. If Credit Resource Management believes they did send me a debt validation notice, please provide a copy with a certified receipt showing my signature for delivery. 
Legal Citations I am filing this complaint under the following regulations : 12 C.F.R. 1006.34 ( b ) ( 5 ) : Validation of Debts 12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) : Communication in a Fair and Accurate Manner 12 C.F.R. 1006.34 ( d ) : Communication with Third Parties 15 U.S.C. 1681s-2 ( 7 ) ( a ) : False or Misleading Representations Request for Response I request a response from Credit Resource Management within 15 days of receiving this complaint. Their silence on this matter will be considered acquiescence to my demands. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures ( ID AND PROOF OF ADDRESS ) : Any documentation related to the alleged debt ( e.g., collection letters )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was trying to purchase a home and I have realized there is damages to my report. According to the XXXX XXXX XXXX law there should not be any damages to my report. It is a defamation to my character. It is preventing me from purchasing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
Ensuring timely payments on this account has always been my priority, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.

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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This complaint is against Wells Fargo Bank. Due to a XXXX XXXX XXXX XXXX XXXX XXXX, I have been experiencing Identity Theft since XXXX XXXX. Hacked checking and savings accounts, Fraudulent Credit Cards and loans etc., have all been a part of this ordeal. Wells Fargo has by far, been the most difficult bank to work with. 
This complaint will focus on the fact that Wells Fargo states that as part of their investigation, they have determined that I opened a Flex Loan Account, and I have a {$390.00} balance, and I owe them {$390.00}. 
Wells Fargo based their determination on the following : 1 ) This account was opened on XXXX XXXX XXXX online. 
My response of course it was opened online as this is the usual course of action of identity thieves. 
2 ) Payments were made from my Wells Fargo account. 
My response : And the identity thieves also opened ( XXXX ) XXXX XXXX accounts in my name, and made payments from my Wells Fargo checking account with the goal of getting higher credit limits. When their fraudulently received monies end, and their max credit limit is reached, they then cease payments. 
3 ) Funds Disbursement were deposited in my solely owned W. Fargo checking account. 
My response : Yes the identity thieves had completely taken over my WF checking account for a lengthy period of time. While these identity thieves totally maintained my W.Fargo account, Wells Fargo treated me as if I was the identity thief. Wells Fargo was no help to me whatsoever. Countless calls, Emails, letters, ID verifications, etc., I still received no help as Wells Fargo totally shut me out of my accounts. 
Once again, this is why Wells Fargo has been voted the most hated bank in America, on many online surveys. I have consistently utilized the services of many government and private identity theft agencies- including but not limited to XXXX XXXX XXXXXXXX XXXX all in my attempts to recover from this life-altering Identity Theft experience, which I have experienced due to a XXXX XXXX Data Breach by no fault of my own!!

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 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I have a business account at PayPal to process credit card purchases. Parents register their children for driving lessons through my website and pay me online. Services are provided locally in person, by myself. 

XXXX of XXXX, a customer purchased and received driving lessons for her daughter XXXX of XXXX, customer claims her card was used without her authorization XX/XX/XXXX, PayPal informs me customer claims she did not make this purchase. There is no information from the customer herself or the card issuer regarding her claim. 
XX/XX/XXXX I provide evidence of fulfillment as instructed by PayPal I upload a file through the Resolution Center. 
XX/XX/XXXX, PayPal informs me that my proof of fulfillment is invalid and the case is closed, withdrawing {$290.00} from my PayPal account plus a {$15.00} dispute fee. 
XX/XX/XXXX, I contact PayPal to appeal. The online " Appeal '' " Report a Problem '' links do not work -- they follow a circle from the dispute, to the policy, to instructions for appeal, back to the dispute, with no means of filing an appeal. PayPal customer service tells me they have nothing to do with deciding the case, they just do what the card issuing bank tells them. I request the bank 's contact details, but PayPal will not provide them, only the bank 's name and a case number. 
XX/XX/XXXX, I finally reach the Fraud Investigations Team at XXXX XXXX XXXX. They look up the chargeback claim and tell me PayPal did NOT submit any evidence of fulfillment and the bank has not " closed '' the case. I prepare new evidence and fax it to XXXX, as instructed by the fraud team. But they have only ONE fax machine, by which ALL evidence for ALL fraud claims are received. The line is perpetually blocked. I have mailed my documents to them and I am waiting to hear back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.

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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On the XXXX of XXXX, I suspect a hacker electronically deposited a fraudulent check into my Wells Fargo checking account from an ATM in Virginia. The money was loaded onto my XXXX XXXX account and forwarded to an unknown individual. The check subsequently bounced three days later. I bank with XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX. This particular account with the suspected fraud is a Wells Fargo student checking account, and it has had upwards of {$11000.00} in that specific account at once, and I don't pay it too much, mind. However, I noticed something was wrong when XXXX dollars vanished from my bank account almost instantaneously. I knew something was wrong because I was about to pay off some of my credit card debt, and my company denied my payment. That was when I logged into my checking account and noticed all my funds had been withdrawn, and there were two instances of fraudulent transactions on my account. Someone had hacked into my account and then hacked into my XXXX XXXX account to load the money and send it. I immediately notified Wells Fargo and XXXX XXXX that fraud was occurring. When I filed the claim with XXXX, they instructed me to take my card off the app and talk with my bank to resolve the issue. They also admitted that someone might have accessed my account unbeknownst to me since I don't have two-factor authentication set up yet. I reached out to Wells Fargo. They started up a claim and, in the process, issued me a new card and suspended my account while they " Investigated. '' They told me it would take up to 10 days to determine a resolution. I called three days ago for an update on XX/XX/XXXX. I called, and the first lady I spoke to said they determined that I was at fault and made the transactions, which is false. I live in Texas and have never been to Virginia. I don't have any family and don't know how I would access an atm over there. I live in Texas, and I am a college student in Texas. 
Furthermore, I didn't make the deposit, which is the most paramount fact about this situation. I was then directed to another number to call, the fraud claims department, where I spoke with another woman who said that my claim hadn't been resolved. They were still undergoing the investigation process, and a resolution would be determined by XX/XX/XXXX, which is the end of the 10-day timeline. I don't know what to believe, and I have two conflicting accounts from individuals from the same company.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am rewriting to address a matter of utmost concern to EXPERIAN regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that Experian conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

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 2024-04-25 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: PA

Complaint narrative:
I found that there are some unauthorized inquiries on my transunion credit report. The inquiry is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries. I did file a XXXX report and the reference number is 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 2024-04-25 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:
FCRA 605B, I think, necessitates the elimination of any incorrect accounts from my credit report. Can you review the documents, please? There are inaccuracies in the reporting, amounts, and dates of some listed 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 non-monetary relief
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this remove from my credit file this is illegal by this being reported and its not mines 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There is incorrect information on my report from XXXX XXXX. This has had a very serious affect on my life and has been XXXX  distressing  for me and my family. My information was incorrectly reported shortly after I was laid off in the middle of the pandemic. Please remove and block.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/year> A account was established in my name with out authorization. I contacted the Creditors to inform them that on the dates this account was open I was incarcerated and have no knowledge of this account that's being reported to the reporting agency. On XXXX XXXX I was XXXX  to XXXX yrs with XXXXyrs XXXX  and XXXX yrs to XXXX  day for day. I have sent the confirmation of my XXXX  order from the court along with a time sheet to provide the dates of my XXXX  that I was in XXXX  when this accounts was opened and used under my name.I have contacted Navy Federal Credit Union about the Fraudulent accounts with the highest balance reporting XXXX with a credit limit of XXXX. After sending Navy Federal Credit Union documents of my Court order XXXX  along with a XXXX  XXXX XXXX Time sheets with my XXXX  Identification Card the account still reporting as this account has been verified. I have tried to notify them several times that I was in XXXX  when these accounts was open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief