vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
ON XXXX of 2020 credit collections issued a collection for {$2.00} on behalf of XXXX XXXX XXXX. I have reason to believe that this debt is fraudulent. I never conducted business with XXXX in 2020.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I sent Transunion a letter via USPS signature mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX ( XXXX ) in the file they maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report, since they could not substantiate the account being reported. Now, 9 months later on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report without my knowledge. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I received no such notification.

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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
When Nationstar ( now " Mr. Cooper '' ) purchased my mortgage from XXXX  XXXX XXXX several years ago, my mortgage payment was approximately {$2400.00} per month. Suddenly, upon the change in " ownership '', my mortgage payment jumped almost {$1000.00} dollars per month. I am now paying a mortgage that I would pay for almost twice as much house. I have repeatedly reached out to Mr. Cooper for answers and to have this issue addressed. To date, there has been no substantive response. When the matter initially occurred my house went into foreclosure because the appropriate amount had been automatically removed from my bank account and suddenly was insufficient. I was given no notice and subsequently learned that we were about to default. I incurred approximately {$30000.00} in costs in order to avoid default. Since then ( XX/XX/XXXX) we have continued to overpay while attempting to address this issue with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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 2021-02-24 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Investigation took more than 30 days
Company: Credit Plus Inc
State: VA

Complaint narrative:
I applied to refinance my existing mortgage in late XXXX. I applied with two companies to price compare. So there should be two inquiries on my credit report. Unfortunately Credit Plus pulled my information twice, resulting in two hard hits on my report from them, and one from the other company. One was XX/XX/XXXX and one was XX/XX/XXXX ( from Credit Plus ). I reached out to them to file a dispute with their company, but they just sent me a letter stating that the inquiry was because of my refinance ... well yes, but what about the second one???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no idea where to start with this complaint. First off I should not be having to spend my time writing this complaint after I have already filed two disputes. The one was back in XXXX of XXXX the second was in XXXX now we are almost into XX/XX/XXXX and I havent received anything. WHY? What do I have to do to get my them to do their jobs? I have to waste my time filing disputes after disputes and now a 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 2021-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Four Directions Lending LLC
State: IL

Complaint narrative:
The company is : West Side Lending, LLC XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX westsidelend.com XXXX XXXX XXXX XXXX, WI XXXX ( Toll Free : XXXX ) ( Finance : XXXX ) ( Tribal Dispute : XXXX ) ( Fax : XXXX ) Loan # : XXXX Agreement Date : XXXX Effective Date : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX Street City : XXXX State : IL, Zip : XXXX Phone : XXXX Email Address : XXXX Annual Percentage Rate : 772.19 % Finance Charged : {$2600.00} Amount Finance : {$400.00} Total of payments {$3000.00} I have made 10 payments of {$59.00} And ONE payment of {$25.00} ALL ON TIME NEVER LATE!!! 

THEY REFUSE TO CLOSE OUT THE ACCOUNT. SAYING I OWE UNTIL XXXX After they specifically said if I borrow XXXX. I would pay back XXXX. 
So far I paid XXXX for a XXXX Loan!!! Please HELP ME THIS SCAM IS DRAINING MY BANK ACCOUNT FAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
XXXX XX/XX/XXXX dont owe never open a XXXX account Fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Investigation took more than 30 days
Company: MAJR Financial Corp
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Investigation took more than 30 days
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
In XXXX to prepare for a mortgage, I pulled myXX/XX/XXXX Consumer Credit Report from XXXX. I found an account that I did not recognize on my credit. A company called COMMERCIAL ACCEPTANCE COMPANY, who has never notified me, or sent me any information whatsoever, was reporting the account in question. On XX/XX/XXXX, I found a dispute letter online and I sent it to them because that is my right. I sent that letter to the address that is reported right there on my XX/XX/XXXX report. That letter was returned to me. How can this be? They are required to report 100 % Factual information to the credit bureaus, otherwise, the account constitutes defamation of character! They have violated the FCRA and FDCPA by reporting incorrect information substantially in the form of an incorrect address. THIS IS ILLEGAL! PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've had capital one card over 2 years, was happy with it. But then coronavirus hit and I haven't put any spend on it in over 6 months. I use it today for the first time and notice I was charged an annual fee yesterday. I called to cancel the card and get my reimbursement XXXX or at least for 11 months since I use it today ). They said it could be cancelled but no prorated fees would be returned. I've heard many other cards give you your money back of your cancel anytime during the year because they can't charge you for what you don't use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Collection Company : ARS ACCOUNT RESOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX City/ State/ Zip :XX/XX/XXXX FL XXXX XXXX have previously sent you a request to validate my debt, account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. But you did not provide me with the following : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

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 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo suddenly closed my account based on credit usage increase and 30 day late notice on my credit report that was erroneous in nature and is being disputed. I had just finished paying off credit card with a XXXX credit limit. I was a good customer and even took a consumer loan to finance kitchen remodel. They merely closed my credit card account and ruined my credit score based on nothing feasible and fear. They in no way worked with me or asked why credit usage was high ( was remodeling home ). The credit usage was on another card not affiliated with WF.

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 2021-02-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A company named XXXX placed a malicious collection item in my Experian credit report. I am not aware of XXXX and have never done any business with them. In the credit report, it is mentioned that they are collecting a XXXX balance, yet there is was not assignment of debt document letter provided by XXXX to XXXX to present to shoe that XXXX has a right to any debt. XXXX must be required to remove the malicious collection item from my credit report by reporting the item removed. It is unlawful for a debt collector to place collection item which are not their own debt as the originator or assigned by the debt originator in order to have a right to the debt. 

Additionally, I deny owning any debt to XXXX and do not own a XXXX card and never owned a XXXX card. I have attached the result of the complaint filed with Experian where Experian reached out to XXXX and XXXX illegally confirmed the debt and as a result, Experian did not remove.

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 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
On XXXX of XXXX XX/XX/XXXX of ILLINOIS XXXX XXXX submitted a collection for {$200.00} with Ability Recovery Services. I just recently moved back to XXXX at the end of XXXX, prior to that all my healthcare was on the XXXX base, and since being in XXXX all my care is through the VA. I have great reason to believe that this is not my debt, and I am unable to validate this.

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 2021-02-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no idea where to start with this complaint. First off I should not be having to spend my time writing this complaint after I have already filed two disputes. The one was back in XXXX of XXXX the second was in XXXX now we are almost into XX/XX/XXXX and I havent received anything. WHY? What do I have to do to get my them to do their jobs? I have to waste my time filing disputes after disputes and now a 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 2021-02-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have no idea where to start with this complaint. First off I should not be having to spend my time writing this complaint after I have already filed two disputes. The one was back in XXXX of XXXX the second was in XXXX now we are almost into XX/XX/XXXX and I havent received anything. WHY? What do I have to do to get my them to do their jobs? I have to waste my time filing disputes after disputes and now a complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX, I made a final payment of {$33000.00} to Bank of America to close out my business credit card. I asked them if this included all residual interest. They said it did. I had a XX/XX/XXXX balance. 

On XX/XX/XXXX, they took {$390.00} from my son XXXX 's checking account, which was linked to mine. I reimbursed my son for this, because they told him it was my business card. 

I called them on XX/XX/XXXX. They told me that I had an outstanding balance of {$1800.00} which included transactions & interest that happened after the account had been closed on XX/XX/XXXX. I asked them to remove the unauthorized charges immediately after the account had been closed. They refused.

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 2021-02-24 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: MI

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation