vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a call from Williams and Fudg collection agency. During the call, I instructed them to cease contacting me via phone and to send any documentation, including proof of the alleged debt, to my address at XXXX XXXX XXXX, XXXX XXXX, CA. The representative on the call seemed displeased when I asserted this request. Kept calling numerous times after our call. I blocked the phone number because at that point the calls were literally unbelievable. 

Today, on XX/XX/XXXX, the same number ( XXXX ) repeatedly called my workplace, causing a significant disruption. They identified themselves as debt collectors and mentioned it was a personal matter to my colleagues. Since I work at a law firm, we initially thought the call was related to a client. However, the frequent calls over and over raised concern among the attorneys, who inquired if everything was alright. 

When I returned the call, they stated that the number I was calling from ( work numbers : XXXX / XXXX ) was not on their file. I told them to stop calling. They then requested my name so they can stop calls. But representative began remarking false specific reason for the calls. I told her I provided name so they can stop calling my work and that this was unlawfully. I provided my name again. XXXX began to disclose all my information name, birth and social asking if that was me. I reiterated my previous request to stop calling me and to stop calling my workplace because at this point they were violating my rights. She took down all my work numbers and said she will add it on the do not call. 

1hr later, our office gets another call. Everyone at the office stated at this point they are harassing you. I demand that they stop contacting me overall and they are violating me under the Fair Debt Collection Practices Act ( FDCPA ). I am formally demanding an immediate cease of this account. If not, I will sue for violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2024-08-13 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: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Im unaware of this debt I didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it with my signature stating I received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I opened an account with Axos Bank using a promo code that in their fine print was no longer active because I opened the account in XXXX and their payout for the promo was only worded until XXXX, so recognizing this inconsistency, I wrote into customer service the next day of account opening on XX/XX/year> so that they could apply a new promo code to my account which they supposedly did, I still have my case # saved where the customer service agent assured me everything was good to go, as well as just on XX/XX/year> another customer service agent said that a different promo code ( XXXX ) was applied to my account and now 1 day later on XX/XX/year> a supervisor calls me to offer me a {$20.00} compensation for the misinformation which doesn't cover anywhere close to the opportunity cost of the funds tied up in my account with Axos, just to not get any Promo bonus at all, even after asking then multiple times if everything was good to go, i was fed incorrect information and was not properly compensated in the slightest, 2 months of time and funds tied into a false dream.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
So for the last 4 years they have held on to money in my cash app account and then when I filed the complaint with you they sent me an email immediately saying they were going to reimburse my money however as soon as you close the complaint they stopped responding to me and I have yet to receive any reimbursement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I attempted to go through bankruptcy..It was dismissed because I did not show up to creditors meeting. the reason for this was my sister died suddenly on mothers day this year. the meeting was to be held on XX/XX/XXXX... I was completely heart broken over this. She was my last surviving sibling and helping me navigate dr. visits for treatment of XXXX XXXX. By this time I had used my two adjournments to delay sheriffs sale. Very lats I learned of a possible adjournment could be granted by applying for XXXX. I did apply and filed a motion with court to ask for postponement while my application was reviewed. I found out this morning the judge denied my request because I did not send copies to my ex. husband..divorce in XXXX and to another creditor for medical. I am so broken over this. I am XXXX XXXX XXXX with a mortgage balance of XXXX which now totals XXXX because of legal fees. I have worked and paid taxes for over 40 years. I have never asked for any government assistance. I am at a loss as to what will happen to my XXXX cats..I have lived here since XXXX and became sick with covid..and never attempted to apply for relief for lost wages. I feel the judge has been unfair. I will never be able to buy another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I changed homeowners insurance to get lower rate. 
I did everything I had to do according to Carrington Mortgage co. And within the required timeframe. In fact I made a payment over the phone to assure me of this in XXXX. I was assured it would adjust my payment lower. 
My mortgage actually went up! And my next scheduled payment is more as well. 
How did my payment go up when my escrow went down? Would you have kept with the higher payment if I had not called again? ( XXXX or XXXX call in a months time ) This is shady, and borderline predatory. One of the MANY PROBLEMS Ive had since Carrington took over my loan. This will be my last problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received an email from my Capital One Business account indicating that my minimum payment was under the minimum amount that I had owed. I called Capital One Business and it was stated that there were emails that were sent to me on XX/XX/XXXX, and XX/XX/year>. I checked my email and explained that I did not have any email from my Capital One Business account except for a payment. The representative research their account and confirmed that they did not send out the notification, but the process still continued and my account was closed without my knowledge. I called and spoke to their senior account supervisor who research for the 3rd time and stated that in XXXX they sent me notification and again, we researched and there was no notification. At this point, I am not sure what Capital One Business was trying to imply. I only was told that there was noting they could do. I explained that based on their mistakes, my account is closed. It was not due to missing payments, but due to their neglect to send out the proper notification. I am frustrated and a scared because I have 3 other Capital One accounts. Please let me know what I can do. This is unfair. Also I was told that I could not speak to anyone over the Senior accountant Supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding a recent issue with my CashApp account. On XX/XX/year>, the XXXX XXXX XXXX attempted to charge my account {$570.00}. This transaction was declined. Upon investigating the reason for the decline, CashApp informed me that the hotel had placed a hold on my card for this amount. However, the hotel manager has since provided evidence showing that no such hold was placed on my account.

Despite this, CashApp continues to insist that the hotel has placed a hold on my account, which is not true. I have been unable to decline the transaction or receive a refund. CashApp has been unresponsive and unhelpful in resolving this matter, even after several complaints and confirmation from the hotel staff that no hold exists. 

It has now been three weeks since the issue began, and CashApp maintains that the hold is still in place. This is unacceptable and has caused significant inconvenience. It should not be the case that it takes CashApp only seconds to withdraw funds from an account but requires an extensive waiting period to correct their mistakes.

I am requesting immediate action to resolve this matter. Please ensure the {$570.00} is returned to my account promptly and provide a clear explanation for this oversight. If this issue is not resolved quickly, I will be compelled to escalate this complaint to regulatory authorities and consider other actions to safeguard my financial interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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 am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2024-08-13 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: EQUIFAX, INC.
State: CT

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: GA

Complaint narrative:
there are several accounts on my credit report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER PURCHASE A CAR FROM THEM THIS IS FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1STB PROGRESS XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Failure to Properly Investigate Dispute in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute Equifaxs handling of my previous credit report dispute, as it appears that Equifax has failed to properly investigate my claims in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I submitted a dispute through the CFPB portal regarding the inaccuracy of a public record ( bankruptcy ) being reported on my credit report. This dispute was based on the fact that Equifax stated in a letter that they were unable to find a profile for me in their database. So, I guess I am a ghost. However, on XX/XX/2024, Equifax responded to the CFPB complaint that they have verified that the public record item is reporting correctly. Yet, Equifax continues to send various correspondence items with varying names of " XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Which is my correct name? You should have one and only one correct spelling of my name in your database. I have also provided all necessary documentation to support my claim, yet you continue to send " STALL LETTERS '' instead of properly and thoroughly investigating the inaccurate information. 

However, I have recently reviewed my credit report and found that the disputed items remain uncorrected, or no meaningful investigation has been conducted. It is clear that Equifax has either failed to take the proper steps to investigate my dispute or has not complied with the obligations set forth under the FCRA, specifically under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation into any disputed information.

I remind you that under the FCRA, you are legally obligated to thoroughly investigate disputes and correct any inaccuracies found. Failure to do so subjects Equifax to penalties, including statutory damages of up to {$1000.00} per violation. 

Given Equifaxs failure to properly investigate and rectify the errors in my credit report, I demand immediate correction of the disputed information. Additionally, I request compensation of {$1000.00} for each violation of the FCRA as permitted under the law. 

Please consider this letter as a formal complaint. I expect a response confirming the initiation of a proper investigation within the 30 days mandated by law. Should this issue not be resolved satisfactorily, I will have no choice but to escalate this matter by filing complaints with my Consumer Protection attorney and consider legal action. 

Please confirm receipt of this letter and provide me with the results of the new investigation at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want these 17 separate fraudulent ACCOUNTS, along with 15 separate INQUIRES along with incorrect PERSONAL INFORMATION, appearing on my consumer XXXX credit report which I do not recognize as reported and I did in any which way authorize opening these accounts nor give permission for credit checks, This is the result of identity theft and fraud. These fraudulent ACCOUNTS, consist of a personal credit, hospital bills, personal info. Starting with account aXXXX XXXX XXXX on XX/XX/year>, under the account number ( XXXX XXXX, an auto loan accounts opened at XXXXXXXX XXXX XXXX, on XXXX under the account number XXXX XXXX  ), and a company called XXXX XXXX on XXXX XXXX account number ( XXXX XXXX. The XXXX are the two different dates stated opened on my report, XXXX account number ( XXXX ) opened on XXXX. XXXX are the dats stated opened on my report. XXXX  account number ( XXXX  ) opened on XXXX. This account is on my report twice under different company names, and finger-hut wrote me stating that the account is in my name and sold the account to another company so they don't own it and it is not mine, also the company they claim they sold it too, does not show up anywhere on any of my reports This other company this account is under is XXXX XXXX account number XXXX XXXX  ) opened on XXXX. XXXXXXXX XXXX account number ( XXXX ) opened on XXXX. XXXX XXXX account number ( XXXX  ) opened on XXXX. XXXX opened on XXXX. XXXX XXXX account number ( XXXX ) opened on XXXX. This account is duplicate on my report as well under XXXX  account number ( XXXX  ). These two accounts are under different names that are similar and different account number but same owed amounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is on my report twice under the same name and different account numbers opened on XXXX & XXXX. 

INQUIRES listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other then name and address, and phone number written above are invalid, inaccurate and not mine. Remove. The only name address and number I use is stated above. Remove all that is not that stated above

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 2024-08-13 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: CA

Complaint narrative:
hi, i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they are affecting my ability to obtain credit. 

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date opened : XX/XX/XXXXXXXX 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 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer 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 explanation