vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Goal Structured Solutions, LLC
State: WA

Complaint narrative:
They have called me and i told them i do not know of such debt, they have failed to provide enough verification or that they have collected the information via legal means

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 

XXXX XXXX XXXX It is the result of identity theft. 

Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

I made Equifax aware of this dispute and they have not took the appropriate steps to resolve this dispute. I ask them to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. They still have not took any action to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is being sent to you to seek help about blocking the items from getting reported in my credit reports. The same issue, having many errors and fraudulent information, was addressed in the 3 Credit Bureaus. There were letters sent out to your office, but up to this date, I did not receive any response. And recently, the same items were reported in my most updated credit report. See the list of items that I am trying to dispute : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX : {$250.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have already submitted a complaint with CFPB before I talked with Wells Fargo trying to resolve the issue and trying to get some light on my issue and understand what all is going on and where my missing money went to but as usual they just talk in circles don't respond to emails or phone calls. I've left voicemails, I've been hung up on it's getting really ridiculous when I show them the fax and I have the proof I don't hear anything back from them. I explained that I wanted my three months of extra payments to go directly to principal because I was three months ahead, and after the change was done, I was told to wait 72 hours. The change never happened and began my long, confusing, Strange interactions with Wells Fargo. The month prior my payoff balance was {$6800.00} the following month, which was supposed to have my three months future payments to have gone to principal along side, my regular monthly payment regular monthly payment being on auto pay since the beginning of the loan term has been at {$810.00} after the changes were made the following month my payoff balance increased it {$6900.00} after supposedly {$3200.00} went towards my account. Wells Fargo is trying to pocket the {$3200.00}. I would really like to see this worked out and Wells Fargo be punished because this is wrong and they seem to do it so often I understand that they had a lawsuit recently if {$2.00} billion payout yet they still continue to try and rip off and steal from people.

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 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

I am requesting that the following fraudulent accounts be deleted and blocked from my credit file immediately : CREDENCE RESOURCE MANAGEMENT ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had deposited an insurance settlement check from XXXX XXXX XXXX XXXX into my Bank of America checking account for the amount of XXXX $ on the XXXX of XX/XX/2023 due to inability of the teller to cash the check. The issuers cheque was from Bank of America as well. Which is supposed to be credited into my account within XXXX business days. But the bank placed the check on hold until XXXX XXXX And deemed the check to be a counterfeit without verification with the insurance agency. They closed down my account under risk closure. They asked me to contact their client protection department regarding the funds. They sent me an account closure letter with no information on the reason for the closure. I called the client protection team constantly for upto XXXX weeks provided the information of the insurance treasury department as well. They re opened my account realizing their error. And validated the funds. But even after consistently calling them everyday for a month, they are not willing to credit my account with the funds. Everytime I contact them they give me a time frame of XXXX business days. But the funds were not credited. My mechanic storAge cost of my vehicle has already gone up to XXXX $ due to the banks mistake which I have to pay out of my pocket.

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 monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I reviewed my credit report on XXXX at Transunion and seen I have a fraudulent collections account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX and Transunion. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the XXXX XXXX XXXX guidelines of what constitutes proper debt validation. In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/1996, XXXX days after the date of Brennans debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a XXXX  % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.

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 2023-02-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NY

Complaint narrative:
I have XXXX closed complaints against XXXX XXXX Weinberg & Reis Co. LPA : XXXX, XXXX, and XXXX. I have been trying to reach the person managing my file and no one responds back. I have left emails and voicemails but I can get no connection. My file details are XXXX FILE NO. XXXX. 

I have been trying to work with this company since 2020. They are reporting to the XXXX credit agency that I am in collection for a debt of {$19000.00}, however, we have a stipulation agreement in place at this time and I have paid down the debt and I currently have a balance of {$11000.00}. 

The information is currently incorrect and I would like to work with someone at XXXX to address the matter. It seems like I am being unfairly penalized. I have attached my communications to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I reported my credit card stolen back in XXXX with citi bank, I originally thought it had not charged my account as I had reported it on the website right away. However, when I saw my statement I saw that it did charge so I called to start a dispute. They claimed I had never reported it stolen even though the website showed I had and I had received a new credit card in the mail. Months went by and I was still getting charged late fees and was never given a temporary credit into my account. This resulted in significant impacts to my credit score. I have called many times to resolve this issue and every time I was told there was no active case, finally after speaking to a higher up I found out they closed my case in XXXX and found me responsible for the fraudulent charges even though this was highly unlike me and I gave them the police report number for the active POLICE investigation. I never received anything in terms of a letter, email or call that they had closed the case with me being responsible for the charges. The lady on the phone said that I had opened another one to dispute this and this time they would be sure to get the temporary credit into my account and contact me with the findings of this dispute as well as holding collections calls. However, today I received another collections call and I logged into the account. The balance is still sitting in my account and I have no received any information on whether the dispute has closed or what is going on. I am extremely frustrated and beyond over this situation, this needs to get resolved! We're talking {$900.00} dollars and XXXX months of lack of communication and beating around the 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 monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc.
State: WI

Complaint narrative:
My legal name is XXXX XXXX. I was assaulted on both XX/XX/XXXX and XX/XX/XXXX because this company released my funds to a merchant. Do you Cashapp deny that the merchant these funds were released to had to be cancelled by the merchant because they were posted therefore released to the merchant? 
https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2023 I called XXXX. I got the number from what was presented as XXXX XXXX as I was having sign up and technical issues. An XXXX XXXX represented himself as a tech advisor. He instructed me by using XXXX to make dummy transactions and no money would come out of my account. When I realized I was involved in a scam I hung up and immediately called my bank to cancel the transactions. I was told nothing could be done until the transactions posted. Not a very good system to thwart scammers. I was advised to contact disputes which I did. They put the money back pending investigation. Yesterday I discovered they had taken the money back out. I called for an explanation and was told since it was XXXX there was nothing they could do. They knew from the start it was a XXXX transaction. I only have XXXX now because it is a service provided by my bank. If XXXX XXXX involved the bank would be taking care of me! XXXX says its a done deal, nothing I can do or anything they will do. I am a senior citizen on a fixed income. I was taken advantage of and feel completely stupid, and am heartbroken over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
I sent in the negotiable instruments for every month that I had the account and a letter requesting all unearned interest due on the account. Be sent back within XXXX business days. They sent a response back stating they sent an escrow overage check in XXXX XXXX XXXX. That has nothing to do with the unearned interest due on the behalf of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
On XX/XX/XXXX I suffered a total loss to my XXXX XXXX XXXX XXXX, and notified Exeter Finance about the accident. My insurance company paid the loan down to {$7500.00}. Exeter was unable to refinance this loan to the back end of a new loan, and I had to get a new vehicle. The maturity date of the contract is XX/XX/XXXX, and I requested an updated amortization schedule based off of the new balance through the maturity date of the loan, so I could pay them off without settling and also be able to make my other car payment, as well as live. I spoke with a manager mid XXXX who stated they would submit a request, and I'd hear back, but I didn't hear back. I've gotten phone calls from representatives requesting payment, but no resolution to my request. Today I was told by a representative that they can't change my contract amount, and in 3 days I would be reported 30 days late. No call from a manager or director, as I was promised, just a regular ole representative who could've told me this before 3 days before being reported late. I answer every phone call from them. 

I request to speak to a manager, and a manager said no, but let 's get you a settlement offer. The settlement offer was {$5000.00} and I had 10 days to come up with it. Now... if I had the funds for a settlement offer, I'd just make the two payments and call it a day. Then, said manager, I believe her name is XXXX, asked me if I had gap coverage knowing that they didn't offer gap coverage through their loans, or I would've had the gap coverage.

So... 
They don't refinance. 
Don't offer reasonable settlements. 
Don't offer gap coverage. 
Don't return phone calls in a timely manner to avoid backing their consumers into a corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received a copy of my credit report and, to my surprise, Experian, XXXX and XXXX are reporting a lot of incorrect information. They have several incorrect personal identifiers listed in my credit file and I am requesting that they remove any information that is not completely accurate. I am seriously concerned that the information that they are incorrectly reporting XXXX send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I've been getting alerts from XXXX lock that my information is on the XXXX XXXX. XXXX addresses popping up under my name.

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 2023-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
FAIR CREDIT REPORTING ACT/REGULATION V. Section XXXX of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

I've disputed the accuracy of my payment history on XXXX of my capital one accounts. Disputes made through each credit reporting company and all continue to come back verified as accurate. I've sent certified mail and called reguarding this information and requested documents that show the verification. I have yet received and documents and the inaccurate reporting still shows on my credit profile. 
Delete the late payment history and update the accounts and report them properly to all XXXX credit reporting companies. XXXX, XXXX, and XXXX, each credit reporting company should all have the same exact information nothing should be different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
My problem is with Western Union Money Transfer. 
I sent {$500.00} to XXXX XXXX in the country of XXXX on XX/XX/2023. The MTCN is XXXX. The person has been unable to collect the money - her bank said the MTCN doesn't exist. I have called Western Union several times- each time they have transferred me from their call center in XXXX to somewhere in the US, and they say to give them 48 to 72 hours and they will respond by email. I haven't received an email, the person hasn't received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
TRANSWORLD SYSTEMS INC Reached out To me through a letter attempts to collect a debt of {$830.00} that was originally the XXXX XXXX and XXXXXXXX debtI spoke to someone from Transworld systems Ask them how did they get this information about me and who did they get this information from because I did not sign any contract or give anyone any permission to give my information to a 3rd party debt collector which is you guys they said to me that the XXXXXXXX XXXX internal turned it over to them I told them by law they can not accept it because I did not give them any Right to give a 3rd party my information I did not get any mail or any phone call asking me is it OK to give my information to a 3rd party or giving me a chance to opt out from the XXXXXXXX XXXX XXXX XXXX and you guys want {$830.00} that is not the original debt that I owe so can you please turn it back over to the XXXX XXXX XXXX XXXX Because I don't know who you are and like I said I did not give anyone the right to give you my information you are a 3rd party company which they verify that to me on the phone so now my rights as a consumer is being violated because XXXX decided to give by information to a 3rd party that collector without giving me a chance to opt out And explaining to me that I can opt out I do not order these people any money they're trying to get more money out of me and I never contracted with these people on any level.

Company response to consumer: Closed with explanation