vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Credence RM {$250.00} XX/XX/2023 Fraudulent account This debt is not mine/responsibility with said debt collection agency. No original contract provided between myself and said debt collection agency. I am disputing this debt with said agency, revoking all harassing calls text email in result to reporting violations to CFPB. Requesting validation of purchase and agreement between myself and said collection agency. furthermore, credence rm is in violation of consumer law.

12CFR1006.34 ( b ) ( 5 ) 12CFR1006.34 ( c ) ( 4 ) ( i ) 12CFR1006.34 ( d ) 15USC1681-S2 ( 7 ) ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: TN

Complaint narrative:
I tried to send XXXX to my mother. Cash app was experiencing connectivity issues and sent me a message saying that the funds will send shortly. After some time passed and the money still wasnt sent, I cancelled the transaction. Usually when you cancel a transaction the funds go back into the account immediately. Well the funds was never returned. I had a beginning balance of XXXX, when I tried sending the money my balance went down to XXXX. So I know the money was taken out of my account. I contacted cash app and they told me to give it some time that the funds will be refunded back to the original payment method used. I made this transaction on XX/XX/2024, it is XX/XX/2024 now. My funds have not been returned yet. So I contact cash app today and they keep contradicting what they tell me and then I ask to speak to a supervisor and she says that she is sending me an email for me to upload anything I have that will support my claim. I have screenshots of my balance after the money was taken out of my account and screenshots of the conversation I had with cash app the day of the transaction. I have proof that my money was take. Out of my account. At 1st she said that the money was never taken out of my account and then after I sent her proof that it was in fact taken out of my account, she replied and said that she can confirm that the money was returned. She then instructed me to search my transaction activity that I would see it. Well I have went through every single transaction on my activity page and there is absolutely nothing showing anything about a XXXX payment or refund or any kind of transaction at all after the money was taken out of my account. I then replied and asked her to send me a copy of whatever is showing her that my money was returned to me. Since she can confirm that the money was returned to my account I would like to see what is showing her that the money was returned. She is refusing to reply back to me and she is refusing to send me a copy of proof showing that my money was returned. Cash app has stolen XXXX dollars from me and I want my money back now!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was looking to pay off my my credit card with Wells Fargo, which was set up to pay for my XXXX and install installation 18 months or so ago. When I looked at the balance I noticed it seemed pretty high through further investigation. I realize a month and a half ago that over {$3600.00} in deferred interest was charged to my account and I only had a {$2400.00} balance alarm by this amount I called to try to rectify this and pay the principal which I had the money to pay. I didnt realize the time frame or the terms were up again I applied for this credit card through XXXX XXXX XXXX XXXX I wasnt sure what the terms were or remembered them. So again I tried to settle they said if I was late or stop making payments they could do XXXX or so percent however, I refused to not be current on my loan so instead they worked the deal out or to give me one percent however, Im still paying {$3600.00} more than what I had on my original statement as of XXXX Which I think is absolute predatory lending in addition they never ever contacted me to at least do a courtesy called to tell me about this or sent me an email to remind me when youre going to charge someone that kind of money I feel like its just an obligation by the company to protect the consumer from these exorbitant prices and fees and interest fees. so now Ill have to pay {$4000.00} more than I would have had I paid the six weeks ago which I did have the money to pay now Ill pay it over the next 15 months again this is absolute predatory lending Im a banker I know if I did this to a customer my phone would be wrong ringing off the hook Please look into this and correct this because this is not a great and to me. Its an evil practice in our community and it just hurts the consumer. Wells Fargo has been doing this type of predatory lending for sometime and needs to be hit again, because they XXXX seem seem not to learn their lesson.

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 2024-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
In late XXXX early XXXX my XXXX was hacked and my credit card was on there. They made two payments to themselves one was {$500.00} and the other was {$300.00}. They then got into my credit card made a payment to my balance and then returned the payment. I then called my credit card company ( capital one ) to issue a complaint. They asked for me to provide my banking information which I did but they wanted the bank account that is not mine. They will not unrestricted my account until I prove that it is my account, I have told them that it is not and I can not prove that its mine and they told me my account will stay restricted until I prove the account is mine. I have changed my password and on their end it says I haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: CO

Complaint narrative:
Check into cash attempted to take out {$530.00} on XX/XX/XXXX out of my checking account without warning or notice. No call, no email or text. I went into default with the loan due to financial hardship sometime in early XXXX I reached out to a debt relief agency to get my finances back on track after a long illness. I was finally getting on track and then all of a sudden and not hearing from them in Months they try to take that money. That wasn't even the amount I owed. Who knows what they were trying to charge me for. I had no break down of the charges, no contact, no nothing. I reached out to the local office with no luck. The line was busy for two days. I reached out to the corporate office in which they were no help either. It has got to be illegal to to take that large amount of money without warning or consent. That wasn't even in the agreement. If that payment would have cleared the bank it would have left us with no food or rent money. That is not right or ethical. I want to file a complaint on this company for unethical business practice and I will be contacting the district attorney for further action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i seen a copy of my credit report and i notice these accounts that i didn't apply for i don't know how these accounts got there can you please look into this matter please.

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 2024-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Billing name mistake and the mortgage company refused to change, correct borrower name should be XXXX XXXX XXXX XXXX XXXXXXXX. There is no XXXX  in the name. They decide to change whatever name they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VYSTAR CREDIT UNION
State: NV

Complaint narrative:
Suddenly out of the blue I get an email from XXXX XXXX XXXX for a VyStar credit union in XXXX Florida which I have never even visited. They send me an email where I must take a link to find their reference number, but I don't take links on emails from what I consider Spam. I called them up to try to straighten it out but they want information like my social security number which I would not give them. Apparently they just send out emails to any XXXX XXXX they can find, they certainly did not think I would use a XXXX XXXX XXXX  when I live in XXXX XXXX and have for XXXX  years. Basically they are telling me they can not resolve it without me giving them confidential data, which I find absurd. I tried my best to help them on the phone for over and hour but they just kept insisting I give them confidential data.

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 2024-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NY

Complaint narrative:
The mortgage refused to correct my property tax issues. They kept on stealing my money from the escrow account, commingling my funds, using my money to paid on the accruing interest on the unpaid taxes, my property is scheduled to be sold due to Selene Finance 's gross negligence. Every month my money went into my escrow and yet they took the money and used as their own and never paid, I ask the regulator to investigate. As you can see, most recent mortgage statement, they used {$36.00} from my escrow account to pay " City Property Tax '' when this is in fact the penalty. 

1098 was issued incorrectly and they refused to rectify, it says I have no loan no interest paid in XXXX XXXX lied to me that 1098 would not be issued, then they decided to issue an incorrect IRS form and try to XXXX me over with an audit with IRS I emailed XXXX, XXXX, and XXXX, the special loan advisors but they acted indifferent about my matter and only feel like responding my emails when they feel like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2024 To The responsible party in question, I, XXXX XXXX XXXX XXXX purchaser and regular individual, am mindful of all freedoms that I have, and which are safeguarded by The Congress under the Fair Credit Announcing Act ( FCRA ). The rundown of records has disregarded my governmentally safeguarded customer privileges to protection and classification under 15 USC 1681. 

XXXX. XXXX Formerly XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX I 15 U.S.C 1681 segment 602 A. States I reserve the privilege to protection.

Erase this record right away, except if you need to be held {$1000.00} per infringement 15 U.S.C 1681 segment 602 A. States I reserve the privilege to protection.

15 U.S.C 1681 Segment 604 A Part 2 : It likewise expresses a purchaser detailing organization can't outfit a record without my composed directions Erase this record right away, except if you need to be held {$1000.00} per infringement I'm Ready FOR Suit Earnestly, 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 2024-03-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2024 To The responsible party in question, I, XXXX XXXX XXXX XXXX purchaser and regular individual, am mindful of all freedoms that I have, and which are safeguarded by The Congress under the Fair Credit Announcing Act ( FCRA ). The rundown of records has disregarded my governmentally safeguarded customer privileges to protection and classification under 15 USC 1681. 

XXXX. XXXX Formerly XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX I 15 U.S.C 1681 segment 602 A. States I reserve the privilege to protection.

Erase this record right away, except if you need to be held {$1000.00} per infringement 15 U.S.C 1681 segment 602 A. States I reserve the privilege to protection.

15 U.S.C 1681 Segment 604 A Part 2 : It likewise expresses a purchaser detailing organization can't outfit a record without my composed directions Erase this record right away, except if you need to be held {$1000.00} per infringement I'm Ready FOR Suit Earnestly, 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 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Pursuing to 18 USC 8 owe no debt.This company is violating my consumer rights to privacy pursuant to 15 USC 1681b2 company has also No permission to report ANYTHING using my information pursuant to USC1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Account number XXXX } balance XXXX Semi Annual data reported to courts on XX/XX/XXXX = Claim amount $ XXXX Balance Owed {$9300.00} Final Payment and Case History reported from the Trustees on XX/XX/XXXX = Balance Due XXXX XXXX XXXX payment in XX/XX/XXXX to XXXX XXXX ( XXXX XXXX XXXX XXXX The payment from XXXX XXXX XXXXXXXX greater than the Balance due listed in the Final Payment Case History effective XX/XX/XXXX. 
XXXX XXXX was paid more than the balance due, therefore there shouldn't be balance listed on my credit report. 



I do not have a contract with this company and I don't owe the debt, there shouldnt be a monthly payment for a paid account, No of months ( terms ) should not be listed, the last active, payment status, and last payment date and balance are inaccurate. Please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ The semi report from XXXX from Bankruptcy showing balance owed, the report for dismissal in XX/XX/XXXX showing remaining balance, and letter from XXXX XXXX reflecting payment after dismissal. This vehicle was totaled the overpayment was made, greater than the balance provided to the courts. ] I am actually owed overpayment from XXXX XXXX. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 

This letter serves as my 3rd formal dispute and its crucial to maintain a record of your communication and update my consumer report to prevent small claims action against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Account number XXXX } balance XXXX Semi Annual data reported to courts on XX/XX/XXXX = Claim amount $ XXXX Balance Owed {$9300.00} Final Payment and Case History reported from the Trustees on XX/XX/XXXX = Balance Due XXXX XXXX XXXX  payment in XX/XX/XXXX to XXXX XXXX ( Lien Holder ) XXXX The payment from XXXX XXXX is greater than the Balance due listed in the Final Payment Case History effective XX/XX/XXXX. 
XXXX XXXX was paid more than the balance due, therefore there shouldn't be balance listed on my credit report. 



I do not have a contract with this company and I don't owe the debt, there shouldnt be a monthly payment for a paid account, No of months ( terms ) should not be listed, the last active, payment status, and last payment date and balance are inaccurate. Please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ The semi report from XXXX from Bankruptcy showing balance owed, the report for dismissal in XX/XX/XXXX showing remaining balance, and letter from XXXX XXXX reflecting payment after dismissal. This vehicle was totaled the overpayment was made, greater than the balance provided to the courts. ] I am actually owed overpayment from XXXX XXXX. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 

This letter serves as my 3rd formal dispute and its crucial to maintain a record of your communication and update my consumer report to prevent small claims action against 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 2024-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Commercial Collection Corporation of New York, Inc.
State: NY

Complaint narrative:
Received a " Final Notice '' dated XX/XX/2024 from the CCC of New York ( The Commercial Collection Corp of NY ) and we never received any other communications from them. So why is this a final notice if no other previous notices were received. If so, please have them send copies. 

We do not recognize the creditor - XXXX XXXX XXXX XXXX of Ohio. We have no invoices from this organization or any business done in Ohio for the last 10 years.

Company response to consumer: Closed with explanation