vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recieved XXXX notices about denied applications I have not applied for. I have recieved a XXXX, a XXXX XXXX, and a XXXX notice for denied applications. I have also revieved a XXXX XXXX card that i have not applied for. I did not put those applications through. These applications were submitted XX/XX/24. I have talked with XXXX to dispute these inquires on my credit. I was told to submit to FTC for next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to dispute the following information that Truist supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX open XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history 800 credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother XXXX  XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic ; even after pandemic my payment history has been superior. In XXXX I reached out to your Truist to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES AcXXXX states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that the late payment history be removed as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have also reached out to Truist in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.

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 2024-02-08 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: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I've copied and pasted the demand letter we issued to Block , Inc . 

[ XXXX XXXX XXXX XXXX ] XX/XX/XXXX Block, Inc. ( formerly known as Square, Inc. ) Square Capital , LLC License # : XXXX Institution Name : Block , Inc . 
Officer Name : XXXX XXXX Address : XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : XXXX Dear Sir/Madam, I am writing to demand the immediate release of funds amounting to {$4700.00} from our Square account. Our company, XXXX XXXX XXXX XXXX, has diligently followed the terms outlined by Block , Inc., as per the email dated XX/XX/XXXX. It was explicitly stated in said communication that on XX/XX/XXXX, the sum above would be made available for withdrawal. Regrettably, despite fulfilling all stipulations, this release has not occurred. 

It has been 90 days since the specified release date, and the funds have yet to be disbursed. This delay is not only in direct contravention of the terms agreed upon but also constitutes a breach of contract on your part. Such actions are unacceptable and have resulted in severe financial hardship for our company. 

At this moment, we demand that Block, Inc. immediately release the sum of {$4700.00} to the balance of our Square account for withdrawal. Failure to comply with this demand within 24 hours of receipt will leave us with no alternative but to pursue legal action. Please be advised that we will not hesitate to initiate a lawsuit in a court of law to seek restitution for damages incurred due to your breach of contract.

We trust that you will promptly and appropriately rectify this matter. Should you require further information or clarification, please do not hesitate to contact us at. We anticipate a swift resolution to this issue and the immediate release of the funds owed to us. 

Sincerely, [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have disputed a XXXX XXXX reporting error on my ChexSystems report several times. I have sent several certified letters over the past few years and ChexSystems continues to ignore, disregard, and violate my rights. My latest dispute was sent on XX/XX/2024. Unfortunately, ChexSystems responded yet again stating that it was verified without providing any of the documentation that I requested on several occasions in accordance to the Federal Trade Commission 15 USC 41 guidelines. Their failure to provide the requested verifying contracts is in direct violation of my rights.

I am understandably very frustrated that this has happened and can not believe that XXXX XXXX and ChexSystems would let something like this go unresolved for so long. I have spent hours diligently reviewing my report and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving ChexSystems ample time to remedy the error in question. This delay has put me at a disadvantage and has cost me valuable opportunities that require bank accounts in good standing to qualify.

I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that ChexSystems and XXXX XXXX has not resolved this issue. It is well within my right to request that the items in question be deleted and removed from my ChexSystems profile. With your help, I hope to see the items in question deleted in a timely manner. 

Thank you for your attention to this matter and I look forward to hearing from you soon.

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 2024-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Panorama Mortgage Group, LLC
State: AZ

Complaint narrative:
Hello, I was notified in XXXX of XXXX that my mortgage was purchased by Panorama Mortgage. On XX/XX/XXXX I was sent a welcome letter via email instructing me to pay my first payment for the month of XXXX to Panorama Mortgage using a link. I used the link and payed my mortgage on XX/XX/XXXX. I received an emailed receipt. 

Since then I continually receive letters stating I am late on my payment. When I call Panorama Mortgage, they tell me they have a sister company with the same name and that I wired them the money. In addition, I was told they would not do the leg work involved in retrieving the money from the other Panorama Mortgage.

I proceeded to call the other company and after two weeks of calling them, they said, on XX/XX/XXXX they wired my mortgage payment over to the correct Panorama Mortgage company and they show it being deposited on XX/XX/XXXX. 

I am still receiving late notices. Ive tried to call Panorama Mortgage to confirm receipt and get the funds posted to my account. They will not do anything to correct the issue. 

It appears there is some type of fraud occurring here, either to generate late payment fees, or utilize mortgage payments for other transactions that they are not intended for. 


Mortgage is owned by : Panorama Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Company that sent me the link and welcome packet to pay my first mortgage is : Panorama Mortgage Group , LLC. 
XXXX XXXX XXXX XXXX XXXX, Site XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: OK

Complaint narrative:
Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section XXXX for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in the name of your company. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we are requesting deletion ( XXXX ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ). 

XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts You have XXXX ( XXXX ) days from receipt of this notice to respond, during which time all collection activity must desist. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to all your claims in this matter, and will entitle me to presume you placed this on my con Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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:
I am writing to dispute the following information that XXXX XXXX XXXX XXXX  supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX XXXX XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX XXXX XXXX, I value being a financially responsible client. However, during XXXX  I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the following information that XXXX XXXX XXXX svc supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX XXXX XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( XXXX ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: MD

Complaint narrative:
I am writing to dispute the following information that XXXX XXXX XXXX svc supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX XXXX XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX XXXX XXXX, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( XXXX ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.

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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo complaint # XXXX XXXX regarding my construction company account, XXXX XXXX XXXX Checking ending in XXXX & Savings ending in XXXX. I have been banking with Wells Fargo for nearly XXXX decades and currently have XXXX active accounts, multiple business accounts as well as personal accounts. I received a non certified letter last week stating my address was not current on file and my XXXX XXXX XXXX account would be closed. However the letter was addressed to my business and sent to my home address, which is the physical address on file associated with my account. I called and responded to the letter, suspecting it could be fraud since the business address has been the same since the account was opened in 2013 and no phone call, email or certified letter regarding my address was ever brought to my attention. The representative said the address was updated and the account had been set for closure but everything was in good standing and should be fine. Later that afternoon both the checking and savings accounts for my business had {$0.00} balances and the funds in excess of {$75000.00} were nowhere to be found. I immediately went to the branch and spoke to my banker who was shocked this had happened. He spent nearly an hour with me at his desk while he was on the phone with other departments trying to find the funds, why the accounts were closed and explaining the impact on my business. The outcome was appalling, the reason according to Wells Fargo for the account closure was that " the address on file was incorrect '', yet the letter was mailed to my home, all accounts were current, never had been in default and the representative ( XXXX ) on the recorded line told me the account was up to date. The bank would not release the funds to my other accounts and said they would mail a check within 15 business days to an unsecured mailbox, with no tracking information. My banker was shocked and filed the complaint ( # listed above ) on my behalf and agreed that Wells Fargo had committed fraudulent action. This has had a huge impact on my business as well as my clients missing funds, bounced checks, payroll, auto debit, office rents and the list goes on. I would like to pursue action against Wells Fargo for the negligence of business as well as the misappropriate handling of clients funds. Thank you for your help on this matter and please contact me for any documentation or questions. 
Best regards,

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 2024-02-08 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: CA

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief