vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
I changed insurance companies to take effect on XX/XX/2021 which included a bundle option for my rent insurance. The agent ( XXXX XXXX ) said I was fully paid for until XX/XX/XXXX and I do not owe any money when I purchase my new vehicle and my new policy. I bought the plan weeks in advance and planned on just keeping my current policy instead of asking for a refund from XXXX insurance as I transitioned to XXXX. The policies I bought were a minimum of XXXX  days prior and the emails about canceling my policy was to cancel the ( snapshot ) option and to add a different rental policy. I still have all to now.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
Notice Of Cease & Desist Account # XXXX This is a notice to cease & desist. Jefferson Capital Systems LLC has violated my rights according to the Fair Credit Reporting Act, Section 604, Permissible purposes of consumer reports { 15 USC, 1681b }. You guys are practicing illegal debt collection practice. A debt collector is those who regularly seek to collect debts. I am the original creditor/consumer, in order for a consumer reporting agency to add anything that must get my permission to do so and i didnt give you guys permission. I define myself as a natural person and not a corporation therefore, I have the right to defend myself and tell you guys what to put on my consumer report and what not to. Also, 15 usc 1602 ( p ), I did not authorize you to get my information. I am demanding that you guys stop illegally reporting to all consumer reporting agencies and all forms of communication. Take this off of my consumer reports today. This is an alleged debt I am not paying anything. This is the first step of litigation. So if you don't honor this cease & desist and honor my demands I will pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have been contacting the companies and credit bureaus for XXXX now and nothing has been done. I have been a victim of identity theft. I have been so stressed over this account and these addresses that dont belong to me. It has been causing me to be denied for further credit and it has really taken a toll on my family financially during the pandemic. I need TransUnion to take this complaint seriously and delete the account and the addresses immediately. I have attached a copy of the Federal Trade Commissions Identity Theft Affidavit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan as defined by 15 USC 1602, am disputing the alleged debt with NELNET and furthermore they have violated my rights as a consumer. I can not be liable to the debt in question as I used my credit card, as defined by 15 USC XXXX, to obtain money to attend UNIVERSITY OF THE XXXX XXXX and XXXX UNIVERSITY. For the NELNET to state that I owe them any money is in violation of 15 USC 1692e ( 2 ) ( A ). In addition to their false and misleading representations they furnished deceptive forms in XXXX separate instances which is a violation of 15 USC 1692j ( a ). Furthermore, NELNET communicated with XXXX, XXXX and XXXX to have information furnished on my credit file without my written consent in violation of 15 USC 1681b ( 2 ). 
Pursuant to 15 USC 1692h, if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. I am directing NELNET apply the XXXX individual payments, totaling {$3200.00}, to myself by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX Account Number : XXXX SXXXX XXXX Account Number : XXXX FXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Please review below the complaint and the resolution in below box. The loan modification plan to bring us up to date seems unfair and hidden and higher cost, fees for this bank, which was not needed, The loan was never behind in XXXX because I pay ontime and met my payments for the 4 month plan. They also have fees that they can not explain how it went from XXXX or XXXX XXXX behind to XXXX behind on the loan as they wrote up. Please see complaint below

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number  XXXX XXXX XXXX Account Number : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating, " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with FCRA, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' Equifax, XXXX, and XXXX have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XXXX of XXXX I had been calling Navient to advise I was financially unable to pay monthly payments towards the XXXX loans. The reps constantly advised I would need to do A forbearance and the account would need to be sent for review since I had multple forbearances in the years prior. I called again after finding out A XXXX day late payment mark was placed on my credit report for all XXXX of my student loan accounts in XXXX of XXXX. To my surprise I was informed the forbearance hadnt been submitted. I requested the calls be pulled so that the supervisor could confirm the representative was suppose to submit my account for forbearance & to have this issue corrected and it never was. Shortly after I was effected my hurricane Harvey A natural disaster that destroyed My residence and lost everything. I was unable to contact Navient as I had to focus on simply surviving. I was trying to get financial help during Harvey ( The natural Disaster ) & I was denied due to these late payments. Recently in XXXX of XXXX I sent an email explaining again what happened and requesting the company pulls calls from back in XXXX so they could confirm the account should have been in forbearance as promised. And finally Remive the inaccurate late payments that are still currently reporting. Instead they responded saying all information reported was accurate. They are refusing the research the account properly and listen to the recorded calls. Ive submitted yet another email to the CEO and was met with A response stating Id hear something in XXXX business days which I never did. The school I went to was A total scam & I called several times asking if I qualified for A forgiveness of some sort and never was informed I had the ability to apply for A student loan forgiveness under the pretense of the school closing down and misleading me at A young age. This company seems to be head strong for making me suffer for A mistake their representative made!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EOS Holdings, Inc.
State: MT

Complaint narrative:
EOSCCX company out of Idaho acquired information via XXXX and without authorization used my Social Security Number to run down my credit on an account already reported by XXXX. When I requested that XXXX remove the redundancy, XXXX did not comply and claimed that they had right information so this company can run down my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had signed up to take training with tax lien wealth investors. They turned out to be fraud or something as they disappeared on me. I had XXXX recorded sessions and was supposed to have XXXX but the coach disappeared. In these recordings he actually says he does not even use the system i just bought. As well as had to ask him to turn down his tv cause I could not even hear him and he was not even paying attention to what I asked as he asked me to repeat after that. There is so much more prood i sent to the bank in prood that I have not gotten what I just spent XXXX usd. 
So I filed for a dispute and repeetedly refilled only to XXXX months ago being told they can watch video so I lost my dispute. 
The first dispute filed they took the money off the card. However after losing that dispute cause they kept asking for the contract and i sent what I had to sign but it does not state their responsibilities just a payment contract. They verbally told me of what the program will do for me. Anyway I lost the dispute cause they said they needed more information. So i reopen trying to send even more proof of emails and phone calls showing I was trying to get a hold on the company. Yet they open the dispute but kept the charges on my card and I paid interest on the money as I paid off the amount that should have just been returned cause this company is not giving as promised. 
Either way i continued to send more and more information for the past year over and over and XXXX months ago was told once again I lost the dispute becuase they could not watch the videos that clearly the coach tells me he does not even use the property edge program. Did not show up for our first appointment and late for the reschedule and next appointment. Please I need help to get this money back. Its not fair not only did I lose XXXX as of this date but also paid interest and think the bank should have really tried to help me with all the proof I have of being misled to get you to register in the first place to actually not being treated well and having to chase people and never even get the services I was supposed to have gotten. While they made it seem like are liens at this prices in the pics they never even accessed my finacial ability and creating a goal as promoised these are just the free training to get you to sign up i have sent as the recoreded coach sessions I would need your email as they are in my email. I really need help to get this money back onto my credit card at this point cause I have fully paid it off.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
The consumer has not consented, authorized or benefited from any of the following adversely furnished data. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Companies XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  AXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX ACCOUNT # XXXX CHARGE OFF XXXX XXXX Acct XXXX Charge off XXXX XXXX XXXX  XXXX Unvalidated Collection XXXX XXXX XXXX XXXX  XXXX LATE PAYMENT

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 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a phone call that my phone 's caller ID identified as " Wells Fargo, '' my bank. The caller introduced himself as being from Wells Fargo, and said there was some suspicious activity on my account and that they needed me to log onto their website ( which is something that has happened before, and the call was legitimate ). As instructed, I logged on using the mobile app and they told me to send myself a money transfer via XXXX. I logged in but, thinking it seemed fishy, I asked them why I had to do this and got only a vague, mumbled answer. I hung up on them, not giving them any personal information or login info, but later my phone was acting strangely and then {$1500.00} was missing from my account. 

What I believe happened : the scammers took advantage of a serious security flaw in Wells Fargo 's tech, hacked my phone and got the info they needed to complete a transfer and sent the money to themselves. 

I called Wells Fargo that day and they said there was nothing they can do. I filed a complaint and received a letter saying my request for return of the funds was denied. I called them to ask them to elevate my complaint. I received a further call on XX/XX/XXXX reaffirming that there was nothing they were willing to do to help their customer of over 20 years who was scammed without giving away any personal information. Wells Fargo has a shady reputation but until now I had never had any complaints.

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 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
On XXXX I purchased shoes at XXXXXXXX XXXX XXXX online ( XXXX XXXX ). On XXXX the shoes were returned and credited. On XX/XX/XXXXXXXX I received a letter from State Collection Service. IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Stating I owed XXXX XXXX {$34.00}. They have my name and address and they are threatening that if I do not pay the past due fee, this will affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been contacting the companies and credit bureaus for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed over this account and these addresses that dont belong to me. It has been causing me to be denied for further credit and it has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the accounts, inquiry and addresses immediately. I have attached all proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been contacting the companies and credit bureaus for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed over this account and these addresses that dont belong to me. It has been causing me to be denied for further credit and it has really taken a toll on my family financially during the pandemic. I need Experian to take this complaint seriously and delete the account and the addresses immediately. I have attached all proof.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the listed account below : ( XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation