vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: MD

Complaint narrative:
The issue started when I wasn't able to withdrawl my money ( about {$7000.00} ) from crypto.com 's app because the app is flawed in many ways and won't allow me to access that option, but it worked multiple times before. For example, I am unable to see details about my account and what cryptocurrencies I have, which is shown in the attachment below. On XX/XX/2023, I sent an email to their customer support to inquire about this issue, but they responded very slowly and have not provided a solution. They've only responsed with automatic emails that did not address the concerns or issues I was having. I told them earlier that if they did not respond with helpful email, I would report them to a government agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NJ

Complaint narrative:
I have repeatedly requested Equifax to remove fraudulent activity from my credit profile. They respond by telling me i should contact the company that requested it. they cant help me. its a circle

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2024, I applied and was approved for the Capital One Venture X card and with that include Priority Pass membership. I am traveling soon and got the card with the expectation I would receive the Priority Pass membership. As soon as I got the card, I attempted to sign up for Priority Pass and received an error message that my card number could not be found and wait a few days. I waited until I received a direct link from Capital One on XX/XX/2024 to sign up for Priority Pass. Again, I received the same error message and it said to wait until XXXX weeks to contact customer service. I waited until two weeks which is today XX/XX/2024. I contacted both Capital One and Priority Pass customer service and they both said that there is no time frame on when this issue will be solved, and I may have to wait awhile. Of course, this is extremely upsetting as I purposely got this card as one of the main reasons being that I would have Priority Pass membership. If credit cardholders are unable to enroll, it should not be advertised as a perk. I also should be able to maybe cancel this card and obtain a card with another company. That is why I am escalating this issue to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: AZ

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Our company, XXXX XXXX is essentially writing this complaint as a last resort in an attempt to communicate with a real person at PayPal who can read and interpret written language. As you can see from the long chain of emails I have attached, the PayPal employees ( or ai ) who respond at the XXXX email apparently have a hard time reading and/or doing their job inasmuch as many of their responses have absolutely nothing to do with the email which was initially sent and others, who appear to understand what is being asked, provide responses which are not true such as the response from XXXX on XX/XX/2024 in which we received a response stating I understand that you are having a query in regards to the payment hold so I would like to inform you any payment received through goods and services the payment will be placed on hold. This subsequently turned out not to be true as our incoming payments were not placed on hold thereafter. 

Therefore, I will, again, lay out our request in a manner which is as straightforward as possible : Our company, XXXX, would like every incoming transaction to our PayPal account to be placed on hold pending the submission of tracking information. Seeing as payment holds are supposedly punitive, I dont see any reason why we shouldnt be able to get this configuration for our account. The reason we are requesting this is because we frequently have customers who put no shipping address on their invoices or incorrect and/or invalid shipping addresses on their invoices and we can not ship out orders for such invoices as we would lose seller protection in doing so. We also can not refund invoices such as these because PayPal keeps the 3 % transaction fee ( which for our orders can be hundreds or thousands of dollars ) any time we issue a refund. 

Accordingly, as weve noticed that payments which are on placed on hold pending shipping/tracking information are not subject to the nonrefundable transaction fee scam and, therefore, we want our account to be configured so that every incoming transaction, no matter the dollar amount, is placed on hold pending tracking/shipping information being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: GA

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are not complete and accurate. Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts are not 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 non-monetary relief
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AG AH LLC
State: TX

Complaint narrative:
I have a mortgage account with ARC Home. 

In XX/XX/XXXX I received my annual escrow account disclosure statement. This indicated that I had an escrow shortage of {$6300.00}. This also indicated that my mortgage monthly payment was going to increase from {$1600.00} to {$2500.00}. This is an increase of 57 % effective XX/XX/XXXX. 

I started investigating and trying to understand where the disconnect was. I had just close on my new house ( new built ) in XX/XX/XXXX. I went to the XXXX XXXX Central Appraisal District. I found out that ARC Home paid property taxes to an account that is NOT under my name. It is my neighbor 's name. 

I called ARC few times in XX/XX/XXXX to let them know. I went back to XXXX XXXX Central Appraisal District, and also to the City of XXXX XXXX ( Tax Collector ). They confirmed that they paid the wrong property. My house did not even had a property tax id created. My property tax ID was created after I raised the concern. 

In XXXX, I called back again to ARC to tell them the correct parcel number. They took a bunch of notes, put them in the system, and asked me for few days to corroborate. 

Towards the end of XXXX, I called back to ARC and they said yes, all notes were there, but they still did not have an update. They asked me to call around XX/XX/XXXX. By then, all updates should had been performed. 

I called XXXX and told me the changes were still not reflected. I called XX/XX/XXXX and told me they needed about XXXX more business days. I called on XX/XX/XXXX and the lady told me I need to get a new statement from the city. I told her my account was new and statement was {$0.00}. At that point I was very frustrated because not only was their mistake, but also I was doing their job. 

Finally, XX/XX/XXXX they withdrawn from my account {$2500.00}. Ever since then, I have called about two more times. They are still asking me for more time. 

Now, In XX/XX/XXXX, not only they increased due to their mistake. They also increased it XXXX XXXXXXXX more because they are charging me for XXXXood Insurance. My Survey says I'm in zone A and zone X. They are charging me {$2500.00} full year for this insurance. I quote separate and got a quote for less than {$400.00}. They also told me I need to call FEMA and get proof I don't need flood insurance.

Now, I'm facing two issues with ARC, property taxes and flood insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
They are saying I owe XXXX over {$500.00} for internet. It is under an email and residential address Ive never lived at or used. I am also an XXXX customer for over 20 years so I know this debt is not mine as they have my regular information on file for my phone and my daughters phone. They said it was unpaid internet in which I have never used them for. The address was in Illinois and I have never lived there and a false email that never had. I reported it to the debt collector. This is awful and showing on my perfect credit!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: AR

Complaint narrative:
i have inquiries on my credit report that do not belong to me

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 2024-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
a fraudulent rental lease was opened under my name, according to the XXXX account it was in XX/XX/2024 and there is a collection debt of {$3600.00}, ive never owned or applied for any type of apartment ever, i have a house and im not sure who was behind this fraudulent rental lease but it really hurt my XXXX XXXX ACCOUNT : NATIONAL CREDIT SYSTEM ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
During the month of XX/XX/year> I received letters from CAVALRY SPV LLC that I owed them around {$930.00} for credit card debt. I asked them to validate the debt by requesting from them to send me information on the validity of the debt by providing me a contract between me and them with my signature on it that I owed them the money. They never sent me the contract. I requested it again and gave them the opportunity to Cure and they again never sent it to me and then they sued me. This is NOT right ; I was trying to work with them by asking them to send me a written contract that I owed them the money and they never sent me the contract and just neglected me and sued me and ruined my credit. This is unfair practices on their part in accordance with FDCP and not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions. Please help me with the unfair practices and tactics that CAVALRY SPV LLC is taking on me and ruining my life as well as my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo 's Home Preservation ( WFHP ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a Wells Fargo customer for ~15 years, and have my mortgage with them. I entered into the WFHP forbearance program out of hardship due to unemployment. I trusted that Wells Fargo would act responsibly while I was in their forbearance program, as long as I fulfilled my obligation for payments during the period. Although I fulfilled my obligation and communicated monthly with the bank about my employment search, Wells Fargo placed me in a compromised financial position and wrecked my credit. 

In XXXX of XXXX, I entered into a 6-month forbearance program with Wells Fargo for my primary and only residence due to loss of employment. My monthly payments were reduced from ~ {$8200.00} to {$390.00} per month. In XXXX, I made an entire mortgage payment, and Wells Fargo confirmed for me that payment would cover the entire 6 month forbearance program. 

Every month since, XX/XX/XXXX- XX/XX/XXXX, I was contacted by Wells Fargo to ask me if I wanted to make an additional payment. In every conversation, I asked if I needed to make a payment, or if my account was in good standing and covered from the large payment I initially made. In every conversation, they informed me I did not need to make an additional payment, and that I was in good standing with Wells Fargo and my forbearance payments were covered through XX/XX/XXXX. 

On XX/XX/XXXX, Wells Fargo called me and said for they were removing me from the forbearance program due to lack of payment, and asked if I could pay the outstanding balance. I explained to the agent that Wells Fargo had informed me every month that my large initial payment had covered all of the payments for the forbearance program. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( $ XXXX ), and re-apply to a new forbearance program. Wells Fargo reported to credit agencies that I had not made a payment in over 150 days, and my credit score plummeted from XXXX to XXXX in 24 hours. 

The WFHM forbearance program is marketed to consumers as support during a hardship, but is designed and deployed to destroy the credit and financial stability of anyone who enrolls.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-03-19 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Visa I had unauthorized charges and was assisted by BofA agent in ordering a lost card replacement so a new card number be issued to prevent unauthorized charges. Upon getting a new card number the charges kept being applied from the unauthorized businesses. I replied why to BofA who said the old transactions can often get transferred to a new card number We have been encountering this frequently and they apologized. I decided to close the account and my credit score was negatively impacted I think I took the right way to avoid litigation. So why do the scores drop when closing an account? 
Thank You 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-19 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:
Experian Credit sent me an email stating that my dispute results were finished, and I could view them. When I opened the results there was not one word in the entire thing that stated whether my disputed was honored or rejected. It referred me to my credit file to determine for myself. 

Why can't a credit bureau just be plain and to the point and most of all receptive to the truth? At this point, all I know from what they sent out is that there is not collection account on my credit file. I will take that as a YES that they honored my dispute. However, they did not restore my credit score I had before the false collection was filed.

I had a credit score of XXXX before this started. I want it restored. If my credit score is not restored, then I have no recourse except litigation. 

Actually, I am weary of having to deal with this type of treatment from all three credit unions and have come to the realization that they will only treat folks like me fair is they are forced to do so.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have fallen victim to fraud and identity theft in my name, in which accounts have been open without my authorization for the opening of various accounts such as auto loans, bank accounts, as well as apartment rentals have been obtained unknowingly in my name. This has caused much undue, financial strain and stress. 
In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have failed to see any compliance to these laws from EQUIFAX showing pertinent deletions of HARD INQUIRIES directly related to fraudulent account openings from EQUIFAX. XXXX as well as XXXX have since rectified my credit report in a timely manner as of 3 months ago. XX/XX/XXXX. 

The HARD INQUIRY Accounts attached to this dispute violates my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX5 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of accounts. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately.

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the items of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief