vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding Capital One 's continued attempts to collect a debt that I am completely unable to repay due to severe financial hardship. The balance in question is {$2300.00} for an account ending in XXXX. 

Capital One closed my card without notifying me, and when I informed them that I was unable to pay, that was the last communication I had with them. Despite my financial situation, Capital One continues to send me emails demanding payment. I want to be clear : I do not have any money to pay this debt, and I will never be able to repay it. 

I previously filed a complaint with the CFPB, and Capital One responded by asking for more information, specifically which account was in question. They also mentioned that they tried to contact me but were unable to reach me at the phone number they have on file. However, they already have all the necessary information regarding the account and the balance.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, I am requesting that Capital One immediately cease all collection activities, including emails and any other forms of communication. Their continued attempts to collect this debt are not only causing undue stress but are also futile given my financial situation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this debt be removed from my credit report due to my inability to pay. It is unfair and harmful for this debt to remain on my credit report when there is no possibility of repayment.

I am seeking the CFPBs assistance to ensure that Capital One complies with federal laws, stops all collection efforts, and removes this debt from my credit report. I need this situation to be resolved as I simply can not endure any more of this stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Please see my attached XXXX for the Record dated XX/XX/year>.

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 2024-08-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

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 2024-08-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CT

Complaint narrative:
My original contract was with XXXX XXXX timeshare company, which was serviced by XXXX. My account had been in dispute with them because I tried to cancel my contract, and they claimed that I never spoke to anyone. They marked my account as 30, 60, and 90 days late, of which they made several phone calls after I asked them not to contact me. Then they closed my account and marked it paid with a XXXX balance. I never received any notification that the account was closed, transferred or sold. 

In XXXX I received a collections notice from XXXX XXXX XXXX. I called them on XX/XX/XXXX and spoke to XXXX to dispute the account. I advised her that I would also send something in writing, which I did. I also stated that I did not want to be contacted by telephone. However, I did not send my dispute documents certified. In the meantime, I never received any documents from XXXX to verify the account or the balance, which I do not believe is correct. Despite my request for telephone contact to cease, I received a call from XXXX, the account XXXX on XX/XX/XXXX, asking to speak to XXXX XXXX, who was a joint account holder on the XXXX account. 

After the account was placed as collections on my XXXX credit report in early XXXX, I called XXXX and spoke to XXXX, the account XXXX. She denied receiving my dispute documents, and asked me about the reason I was disputing. I told her that I attempted to cancel my original contract, she claimed she was sorry for my experience, but her tone an attitude proved otherwise. She was only concerned about collecting the balance and told me that my credit would be ruined and I would not be able to purchase a house or car. Shortly after, the collections showed up on my XXXX Report. The XXXX account was originally showing only on my XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$320.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and XXXX evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is an official victim statement regarding two electronic wire transfers for a XXXX XXXX XXXX. The vehicle was to be purchased through an online auto broker viaXX/XX/XXXX. The direct link to the vehicle can be found at https XX/XX/XXXX. To minimize being victimized by fraudulent activities, I conducted a thorough investigation on the seller. It was discovered the business was registered with the Secretary of State, had a valid LLC, and had a XXXX rank with the online scam reporting system. Additionally, multiple telephone conversations and emails eliminated any suspicions of fraudulent activities. Given this information, I felt comfortable moving forward with the purchase of the vehicle. 
On XX/XX/XXXX, I completed a loan application with XXXX XXXXXX/XX/XXXXXXXX, SC. The loan officer requested a Bill of Sale from the seller via phone ( XXXX ) XXXX. In turn, the seller requested proof via email ( XXXX ) of the wire transfers prior to scheduling the shipment of the vehicle. Bill of Sale was received and the receipt of two wire transfers 1 ) {$16000.00} and 2 ) {$35000.00} was sent via email to seller on XX/XX/XXXX. 
I, the buyer, was informed by the seller via phone, that the vehicle would be delivered on Monday XX/XX/XXXX. 
On the morning of XX/XX/XXXX, I was unable to contact the seller. I diligently began researching further. This continued research led me to a gentleman by the name of XXXX XXXX who lives at the address listed on the sellers website. XXXX XXXX 
XXXX informed me that he has been receiving multiple calls from similar callers which led him to the discovery of identity theft. XXXX XXXX informed me that he has reported this to his local Sheriffs Department ( XXXX XXXX, SC ) as well as the FBI. XXXX XXXX emailed me a copy of his police report which validated he was not associated with the fraudulent website. 
On XX/XX/XXXX, I filed a police report with the XXXX Police Department as well as an FBI report. Additionally, XXXXXX/XX/XXXXissued a reversal on both wires. 
On XX/XX/XXXX, I was informed by Detective XXXX XXXX with the XXXX Police Department that a warrant for the receiving bank records had been issued. 

I am happy so share all emails exchanged with seller as well as police and FBI reports. Should you have any questions, feel free to contact me at any time.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

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 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage refused to work with me as a protected class as XXXX XXXX. I spoke to a XXXX  Manager who has refused to resolve this issue. I am bounced from call to to call for hours at a time. The people are not trained at all. PHH Mortgage has acted in bad faith with homeowners trying to resolve issue with the house. I have been working with several XXXX  executive at PHH Mortgage to get critical information that was never provided to me per payoff information for my loan regarding deferrals and forbearance on the back of my loan. The Escalation team deliberately sent me inaccurate information. I was denied pertinent information PHH Mortgage to get assistance get the loan payments paid. I asked for this information in XX/XX/year>. The Escalation Team refused to send what is needed such as the balance per forebearance/ deferral agreement. I have reached out to senior executives but they use low level employees as a buffer to stall the process in order to execute late fees, penalties for their predatory profit scheme against XXXX XXXX in attempt at equity theft. I received an illegal default notice in an attempt to intimidate and harass me when I have made payments. I have not received insurance claims endorsed to PHH Mortgage in time to take care repairs due to water damage. This company had me calling back and forth all day since XX/XX/year> to delay for predatory scheme to cheat me out of money for fees when I can not get help for archived information to pay off the deferments/forbearance balance. The Escalation Manager laughed and said the XXXX  Managers would not do anything to him but send me back to him where nothing would be done. This company should be shut down. They only time this company work for consumers is when the company is sued. The company reverts back to their old tired tactics and evil processes when the lawsuit is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
Square, a subsidiary of Block , Inc, has seized control of my personal funds and is refusing to release them in compliance with 15 U.S.C. 1693.

I have been using the Square platform to handle business transactions for my small business, and Square has taken it upon themselves to deactivate my business, refuse to allow me to refund my customers, and deny me the money that was paid to me by my customers, as well as having made threats to remove funds from my personal bank account if they decide to do so, with no recourse. 

Attempts to contact them have been rejected, and they have claimed that they have the legal right to do whatever they want with my personal funds. and that neither I nor my customer have the right to access the money that is legally mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-08-16 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: GA

Complaint narrative:
XX/XX/year> I sent XXXX and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.

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 2024-08-16 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: AZ

Complaint narrative:
" I received an update from XXXX XXXX XXXX  regarding missed payments on my credit report. This should be updated to reflect 'Paid as Agreed. " & NEVER LATE Additionally, I have attached a document from XXXX XXXX XXXX for your reference. ''

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

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 2024-08-16 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me 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 2024-08-16 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: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me 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