vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: NY

Complaint narrative:
On XX/XX/22, CREDIT COLLECTION SERVIC added a derogatory mark on my credit report for {$440.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

This alleged debt is not mine I never entered into a signed agreement or completed an original contract with ( The Credit Collection Services ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. 

I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. 

This is a violation of XXXX XXXX XXXX permissible purposes of consumer reports. Pursuant to XXXX XXXX CODE XXXX ( a ) ( XXXX ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! XXXX XXXX. XXXX Block of information resulting from identity theft. XXXX XXXX XXXX XXXX a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( XXXX ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand all collection activity cease immediately and for this inaccurate collection to be removed and deleted from my credit report immediately or I will file for litigation and report you to the FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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:
Back on XX/XX/XXXX I filed a complaint # XXXX against Experian they have a collection account on my credit report with her been fighting since XXXX of XXXX they had stated to you that it was not on my credit report they sent me a letter with the collection agency not being on the report for the damaging payment history up-to-date like I still have the credit card I ran my credit yesterday they put the account back on my score even worse with payment history like I still have a credit card so they lied they went against the laws of the Fair Acts laws and something needs to be done. They continuously lie and ruin people 's credit is against the law to take something off put something back on need verification notarized and certified sitting at this is officially off my credit report within 10 days because they are liars and criminals

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 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I was contacted by a man named XXXX who claimed he was with XXXX XXXX, and that if I did not pay the bill immediately, electricity would be shut off within an hour. My husband had all of our bills in his name and passed away XX/XX/XXXX. I have had difficulty capturing all of bills and assumed I had missed one. He proceeded to walk me thru the Wells Fargo app to make the past due payment via XXXX. The first amount was XXXX. XXXX then claimed that it did not go thru and sometimes their system rejects payments with any cent value at the end and had me try again with the flat amount of XXXX. He then claimed that also did not go thru and now had me enter another transfer for the amount of both transactions ( I was in my car and did not check his calculations ) stating this is how they would be able to refund me the payments that hadn't gone thru since it was showing as pending from my checking account, in the amount of XXXX. That also 'did not go thru '. 

At this time I was transferred to a 'supervisor ' who proceeded to have me follow the same steps. The amounts were an additional XXXX, XXXX, and XXXX equaling a total of {$3400.00}. They assured me that all of the money would balance out because they were not 'posted ' transactions and all of the extra charges would drop off. 

I happened to be driving my Husbands ashes home while this all took place. I got home and looked thru our bills and we dont even have XXXX ( which is for houses/gas ) and actually have XXXX XXXX for our electricity. I immediately called Wells Fargo and filed a claim on all all 6 transactions. I was given a provisional credit for the total amount while they processed and investigated the claim. On Wednesday XX/XX/XXXX I received a letter from Wells Fargo stating that they are denying the claim due to me logging in to the Wells Fargo app via biometrics and making the transactions myself. 

I called WellsFargo to dispute the denial and they stated the claim decision was final. I contacted my Lawyer who suggested the MN Attorney General, and they pointed me to the Federal Trade Commission where I did file a complaint ( Confirmation # 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 2022-03-11 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: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
When I went to view my credit report someone have fraudulently opened a account in my name without my permission. I filed a police report and a identity theft report and listed Freedom Plus as one of the companies that is a part of the Identity theft. I have tried calling the company and have not been able to get this issue resolved. This account was opened in my name and my husband name fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I submited a claim for some purchases made with my debit card were the merchant never sent the items. 
Those transactions are : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX The bank never contacted me to request more information or some document to sign. Even they never called me. Now I can see that the provisional credit made now were charged to my account. 
I called customer service to know about this and they said that i cant reopen the case, the also said that they sent me some documentation to my address something that I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-11 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: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I My name is XXXX XXXX I had an account with chime online banking this was around XXXX to XXXX and on XX/XX/XXXX I was issued a government check in the amount of {$1200.00} they told me that the account was suspended and closed giving me no explanation why it was closed or suspended telling me security reasons and hanging up in my face so I called back over and over and over again telling me that the account has been closed and you need to reach the 24 hour supportive team by email I sent email over and over nothing here it is almost two years later and they still will not release the money or unsuspend and reopen account this is been long overdue all I want is my money and compensation for my lost time while the money was sitting in the account that they closed do the company negligence the account number for the prepaid bank is XXXX XXXX XXXX and I do not have this credit card anymore XXXX XXXX XXXX XXXX expiration XX/XX/XXXX XXXX security code XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX my email address is XXXX and my telephone number is XXXX XXXX XXXX and my husband XXXX XXXX his number is XXXX XXXX please call either one of us to handle handle these matters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I called Mr. Cooper on XXXX and asked about getting the account set up on draft because it is difficult for me to make my full payment all at once. The representative told me that I had to get the account caught up before doing that, but she would email me the form. I told the rep that I would pay XXXX and XXXX payments to get the account caught up ; she said they should draft in XXXX. We both reviewed the calendar and discussed the draft beginning on XX/XX/XXXX. This was all spoken on a recorded call. Today, XX/XX/XXXX, I called Mr. Cooper, and the representative told me that the account wasn't set up on a draft because my account is not paid ahead ; the account is due for XXXX. I explained that when I submitted the form, the account was scheduled for XXXX, and I was paid ahead, but they sat on my request and didn't process it, and now they expect me to pay two more payments ahead to set the draft up for XXXX. The rep claimed that I had to make my payments prior to the XXXX and that was never told to me during my initial call. How is that fair? They never communicated that they couldn't set the account up for the draft. This is predatory and deceptive practice because I did exactly what I was told, and now I am forced to use bill pay for my bank and will be charged a late fee each month. This matter needs to be investigated. Why can't Mr. Cooper set the account up on draft as they stated in the recorded conversation? I was advised incorrectly by their staff and am now penalized by this company knowing I am trying to pay my mortgage on time, and they keep changing the rules to assist me better. They should have listened to the recording and honored what I was told. They also need to communicate better, especially when people lose their homes and struggle to keep a roof over their heads. I scheduled my half payment to be sent by my bank today and will send them a half payment each month so they will get a full payment each month, but I will also be charged a late fee every time. This is not fair. Again, this practice is predatory and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LL Capital Partners II, L.P.
State: OH

Complaint narrative:
Hi, my name is XXXX XXXX. I have been violated by XXXX XXXX XXXXXXXX. They do not have a contract with me in order to work in commerce with me. I do not consent. They have stolen my personal property. The consumer credit transaction was not instated with them as witnesses and they are thieves who have stolen my property from me. see document further. 

STRIKE ACCEPTANCE is in dishonor as they failed to rebuttal an affidavit with an affidavit. Therefore, my affidavit stood as truth and they are not to collect on this any longer. The account is closed and a 1099-C form was not given to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a notification from Truist that my new debit card was returned to them undeliverable, I tried to call them many time waiting more than 45 minutes to speak with someone, was impossible. 
So I need to request a new debit card for each account I own with Truist XXXX XXXX XXXX XXXX XXXX XXXX To be sent to my mailing address on my profile. 
Thanks

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 2022-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
This is follow-up to prior complaint number XXXX. Rushmore Loan Management Services is trying to collect a bogus debt I do not owe for alleged new loan number XXXX that I never took out with their company and/or XXXX XXXX XXXX XXXX acting as ostensible trustee. The original loan XXXX with XXXX XXXX XXXX XXXX was cancelled by XXXX XXXX : XXXX XXXX court clerk, case # XXXX. Now Rushmore attorneys are opening the same court case to collect on a new bogus debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX received a promissory note for full settlement from me and agreed not to sell my note but to pay me {$1000.00}. per day and then {$10000.00}. per day respectively for every day she failed to delivery my free- & -clear title. Her company was also invoiced for services rendered to the property. See lien filed with XXXX XXXX Register of Deeds : Document # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: AL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-03-11 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: AL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX my bank account with citibank was hacked. Fraudlent XXXX transactions wiped my bank account clean totaling {$1300.00}. I notified the bank immediately. They told me they would " investigate '' the transactions and it would take 10 days. 10 days later I was given a temporary credit for the full amount and a notice saying a full investigation took 45 days. They wanted more information from me. This was some form of " spoofing '' but i did NOT give any personal information. The spoofer already had all of it. I truly think the hack went through the app on my phone. Citibank said they were going to withdraw the full amount back out XXXX based on their investigation which they did with NO explanation how this was my fault.

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 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
My Brother n law located a mini excavator for our farm in Alabama on a website; XXXX XXXX, located in XXXX XXXX Az. He was informed that the equipment was available at the posted price, but, if he was interested, an additional tractor could be shipped at a 10 % discounted price. They agreed on an excavator and a tractor, a price was set, shipping costs as well. An invoice was sent via email containing payment instructions. We were to wire {$21000.00} to PNC Bank, located at XXXX XXXX XXXX XXXX, XXXX XXXX Arizona. Account #, Routing #, and payment reference # included in the invoice comments. My bank checked with PNC, all legit numbers. Money was wired on XX/XX/2022. Once payment was sent, and received, a confirmation email was sent, shipment details as well. First date came and went, the driver was said to have covid and could n't drive. Next date set, an ice storm on interstate, can't deliver. Next set date, no excuse, but did offer a refund of our shipping fee. Next date, no equipment, I started another search online and found several other individuals that been scammed, or almost scammed out of their money. I have since filed a report with the FBI, FTC, my bank, alerted PNC, and finally here. We have all emails sent and received, invoice and copy of wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was looking for a new car between XX/XX/2020 to XX/XX/2020. Each company that I applied for a car loan with put a hard inquiry on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX- XXXX, XXXX, and, XXXX XXXX XXXX all put a hard inquiry on my credit report. All of these inquiries should of been counted as one because there were made within a 13 day timeframe. I put a dispute in twice with XXXX and they will not remove any of the hard inquires on my credit report. I have attached both of the dispute documents.Transunion and XXXX would not allow me to process a dispute for these hard inquiries.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was looking for a new car between XX/XX/2020 to XX/XX/2020. Each company that I applied for a car loan with put a hard inquiry on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IMPORTS, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and, XXXX XXXX XXXX all put a hard inquiry on my credit report. All of these inquiries should of been counted as one because there were made within a 13 day timeframe. I put a dispute in twice with XXXX and they will not remove any of the hard inquires on my credit report. I have attached both of the dispute documentsXXXX and Experian would not allow me to process a dispute for these hard inquiries.

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