vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had been getting fradulant charges from " XXXX XXXX '' for small amounts. {$4.00} here, {$9.00} there, {$0.00} here, for months and months. These charges were not actually from XXXX ( which is why I let them slide for so long ). I do actually have several recurring charges so that's why they went unoticed. It wasn't until I got like XXXX charges from XXXX XXXX  XXXX each charge that i began questisoning and called the number on my statement. I even got texts from wells fargo stating, is this a verified charge? several times and i said it was not. so wells fargo knew and never blocked these charges. anyway over time i have gotten charged over {$500.00} and they have the nerve to mail me saying they completed an investigation, and that these were fradulant charges, but they can only reimburse within 60 days of when the fradualant activity began. which is only {$53.00} out of over {$500.00}. they are saying i notified them on XXXX but i had notified them when i noticed the charges. also, i called and asked if i had to cancel and get a new card. the lady told me no, all i have to do is have her block " XXXX '' and they wont be able to charge my card. the NEXT day, i had over {$200.00} worth of charges. Wells Fargo is already in trouble for scamming people and being fraduaulant and as soon as this complaint goes through I'm moving to a new bank. They said there is nothing they can do and to consider my case closed. Please help me get my money back. 

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 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, a Utah collection agency, Mountain Run Solutions , LLC, reported a collection account they claim to have acquired from an original creditor XXXX XXXX We never received any written correspondence in the mail regarding this alleged debt and we were not given the opportunity to dispute the alleged debt. We discovered the reporting on XX/XX/XXXX when we received an alert from our credit monitoring app. On XX/XX/XXXX, I received a text message from Mountain Run Solutions , LLC stating they have purchased the account from XXXX XXXX and demanding that I sent them {$800.00} to settle the account by XX/XX/XXXX to have the reporting removed from our credit files. 

I wrote the credit bureaus to dispute the reporting and each credit bureau wrote back claiming to have verified the account. I knew it had to be impossible because there was no such account. 

I then wrote a letter to Mountain Run Solutions , LLC explaining that we had no knowledge of such an account and requesting for them to provide me with documents to verify the alleged debt. I received an email on XXXX XXXX from an XXXX XXXX at MRS with documents attached. One of the documents was a service agreement. A few things immediately stood out on this service agreement : 1. The signatures on the service agreement for my husband and I were forged. The handwriting is obviously not ours. My husbands name is misspelled, and I was given the middle initial XXXX which I never had. 

2. The company name on the agreement was XXXX XXXX XXXX XXXX not XXXX XXXX 

3. The contract was dated XX/XX/XXXX which puts this action outside of the three year statute of limitation for debt collection in North Carolina. 

After reviewing the F rating and several of the over 400 complaints received at the XXXX XXXX XXXX on Mountain Run Solutions , LLC regarding the same type of fraudulent collection activities, I am appalled that this agency is still allowed to operate in the state of Utah. This company is practicing deceptive and unfair trade practices, forgery, and wire fraud. 

Personally, because of this fraud our credit scores have decreased by 30 points, we have suffered character defamation and we have been turned down for financing due to having a recent collection account added it to our credit files. 

I have attached the following to this complaint : Exhibit A ( 1 ) & ( 2 ) - Text message I received from Mountain Run Solutions , LLC Exhibit B- Letter I wrote to MRS requesting documents to validate the alleged debt Exhibit C- Forged Service Contract dated XX/XX/XXXX Exhibit D- Letter supposedly from XXXX  Exhibit E- a Demand Letter for the alleged debt Exhibit F- Fake Account Statement

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Hello, On XXXX XXXXXXXX 2021, my email and and CITI BANK credit card info was compromised/stolen, at which point these individuals created three fraudulent XXXX listings. They then used my email info to setup an XXXX account and made three fraudulent purchases with my Citi Bank credit card info. These individuals went further to create three fraudulent UPS tracking # 's and submitted them as part of their shipping invoices to XXXX. 

On XX/XX/XXXX, I notified Citi Bank of the fraud, and disputed the three fraud transactions : {$37.00}, {$230.00}, {$330.00}. I also contacted XXXX fraud management on XX/XX/2021 and XX/XX/2021 via phone. -- XXXX verbally acknowledged the fraudulent activity came from a blacklisted IP address and the listings were bogus. I stressed to them the importance of stopping payment and cancelling these fraudulent activities. XXXX sent me emails to provide as evidence to Citi Bank. 

I presented Citi Bank evidence of XXXX recognizing the fraudulent activity ( email correspondence ), evidence that I was never shipped any items ( doorbell video ), along with the evidence that the fraudulent XXXX transactions were for items that were obviously labeled as fraud -- for example I was charged {$240.00} for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Of three fraudulent disputed charges, Citi Bank has refused to reverse 2 of them : {$37.00}, {$230.00}, -- and yet inexplicably reversed and credited me the third charge, of {$330.00}. No reasons as to their investigation findings, or why they would only credit one of the three disputed charges. All three disputed charges occurred at the same time, and with the same vendor, and with the same circumstances. 

I have prompted Citi Bank to revisit my case and review my disputed charges. I've provided copies of my XXXX correspondence verifying the fraud took place and yet Citi Bank will not acknowledge the evidence.

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 monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX I purchased the vehicle from XXXX XXXX XXXX. I signed the contract, paid a down payment of XXXX and was advised I could not drive off with the car until a few days after. Being so young I felt I was taken advantage of since I had no experience buying from a used car dealership. When I went back to pick up the car as soon as I drove the car off the lot the check engine came on. I went back to the dealer and was advised to take the car to a mechanic they did business with. I went down to the mechanic he read a code and called the dealer. He told me not to worry it was a minor fix. I scheduled an appointment with the dealer for maintenance repairs to fix the error code. They ended up having the car for repairs for a month. I was provided with a loaner vehicle. They advised me it was the oxygen sensor that needed to be replaced. Once they returned my vehicle, the car started running hot. We took it to another mechanic they told us about and he advised me that he had told the dealer the engine head gasket was out. And that they repaired it by just putting sealer. The engine needed to be replaced. They sold the car with a faulty engine and tried to use sealer to hide the actual problem with the car. Due to all of the issues I was having I called and reported the issues to a manager at lobel financial. The dealer at XXXX XXXX XXXX  was no longer in business. The manager at lobel financial advised me she would speak with someone else to escalate this matter. I was then advised to take them to court. Being a single working mother I did not have the time and accurate resources to fight this matter for the remaining loan balance. Under California lemon law I should have been protected by loan companies and auto dealers that sale lemon junk cars. They are now saying I owing XXXX for this car I voluntarily gave back to lobel financial after being sold a lemon car. They took advantage of my situation and pocketed the XXXX I paid for a down payment. They sold me a car with an engine they new needed to be replaced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
Convergent Outsourcing Original Creditor- XXXX XXXX Account address- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , LA, XXXX Collection opened on XX/XX/XXXX Original debt from XXXX I moved from the address associated with the collection account 3 years ago. My phone number changed within that time but not until XXXX. I never received a call from the original creditor stating I owed anything. Received a call last week in regard to this debt from Convergent Outsourcing in the amount of {$180.00} from XXXX XXXX. 

The collector didnt want to identify themselves and I questioned if it was even real since the agent was so reluctant to even identify themselves. 


I updated my address and received no communication in regards to this in XXXX years. 


Once on the phone with the agent I asked what it was in regards to because I had no idea. I simply asked if the CO representative to send me a validation letter so I could review the debt. I called the original creditor to ask if the debt was valid. Although I question the validity of the debt I was happy to settle the debt in full after being notified of it. I told them that I could pay them once they sent a final bill as I never received anything. 

I received a collection on my credit report notice this morning from both the XXXX and XXXX. I wasnt given any time to pay the debt or any real notice in regards to the debt and any documented validity that I even owed the debt in question. I even paid it just because I didnt want it to keep staying on my credit but havent received any notice from either agencies on what I allegedly owed in writing. I had no issue paying the debt I just wanted to receive a validation letter in writing.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Contacted Trans Union information is incorrect on a debt collection which is and has been placed under chapter XXXX Ref. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
This debt was included as a charge off and listed in chapter XXXX XXXX with XXXX XXXX out XXXX XXXX XXXX XXXX WI. 
Note : The State of Wisconsin Reached out to this Debt collection service, the business is no longer in service. Please remove the incorrect data. 

Request an investigation into why this information is not being corrected.

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 2021-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My credit card was charged for {$360.00} by XXXX XXXX on XX/XX/XXXX for joining their annual credit report membership. The sales representative, who signed me up, took my credit card details on the phone and didn't explained the refund policy. About 10 days later, XXXX XXXX XXXX that they were unable to produce my credit report from Capital One which they had promised me when I joined the membership. After my research I found out that XXXX XXXX is an invalid and fake credit reporting agency who is unrecognized by Capital One and all other banks as a credit reporting bureau. In fact, XXXX XXXX is a collection agency. 

On July 27, 10 days before my membership, XXXX XXXX sent me a fake credit report by fabricating my previous 9-month purchases from the debit card and showed them as a credit on the credit report. The same report was shown to me even after I joined the membership which didn't benefit me at all. This was a fake report which I reported to Capital One and placed a dispute on the charge after cancelling my annual membership with XXXX XXXX on XX/XX/XXXX. I had also sent two letters to XXXX XXXX and attached the evidence of the fake credit report from XXXX XXXX. Despite of the fraud, Capital One is in favor of the XXXX XXXX side and recently placed the charge back to my Master Card and compelled me to pay the sum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have close to XXXX $ in my name because someone stole my identity. The credit beaures and collection agencies refuse to work with me and im at a loss and dont kno what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
In response to Consumer Portfolio Services, I XXXX, A natural person they have in fact are giving false claims as to HOW theyve investigated their claims to be true when in fact they are not, I have attached the following documents providing the violations including theft of my vessel, as A holder in due course the next step will be litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
I am currently disputing a debt with Nissan Motor Acceptance Corporation because the have violated my contract in the Truth in Lending Act. While disputing it I saw that they have violated the FDCPA as well due to me a having a cease and desist against them ( USC 15 1692c ( c ) ) meaning ceasing communication ; if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ; ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

This was not the case with Nissan they did not give me any remedy and they continued to send me statements saying that I owe a debt after they received the cease and desist and not only did they send me statements they reported late payments on my consumer report which a violation of the FDCPA. 

I have called them about about this matter and all they did was put me on hold and transferred me to different managers and the last one told me that her manager was in a meeting and to leave a voice message and he still hasn't returned my call. This is shameful that I have to go through this in order to get this company to follow federal law. 

I am also demanding my payments that have paid on this alleged debt be sent back to me according 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 demand that Nissan start abiding by the law take of of this matter so I will not receive further injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Block, Inc.
State: PA

Complaint narrative:
Contacting y'all about my unauthorized payment dispute I contact yall about on Monday I still haven't hear a update about it yet 1. What is your legal name, XXXX XXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX XXXX XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX XXXX XXXX {$32.00} 3. Why do you believe the transactions were unauthorized? This is the second time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1200.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODs OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On Tuesday, XX/XX/2021 I tried closing my Wells Fargo credit card after fraudulent charges were made on it for the third time. I was told I could not close the account and would be issued a new card instead. The card was not deactivated and {$1000.00} was accrued onto the card. When I called again on Thursday, XX/XX/2021 to cancel the account and file a fraud claim with Wells Fargo credit card company, I was again told that I could not close out my credit card account.

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 monetary relief