vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlantic Collection Agency, Inc.
State: CT

Complaint narrative:
I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation , by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sent a wire transfer over on XX/XX/XXXX to XXXX XXXX to purchase a house. XXXX XXXX the real estate agent and she works for XXXX XXXX. XX/XX/XXXX ( day before ) I ( Me ) purchase a cashier 's check & XX/XX/XXXX XXXX said the title company was in XXXX. Everywhere in XXXX aren't they the same company. Yes but XXXX XXXX XXXX is different. XXXX would have to mail it like she did the {$10000.00} down payment I gave her in a cashier 's check for the deposit. If I would have been given more notice I could have hand delivered it myself to XXXX by just taking a 30-minute flight. From XXXX XXXX XXXX round trip XXXX XXXX. 
Cashier 's check was for {$410000.00} I can't afford to lose that so I went back to my bank ( Wells Fargo ) deposited the money and then wire transferred the money directly to XXXX XXXX for {$410000.00} in the midst of all this confusion I was at the bank. I met up with XXXX at house XXXX XXXX XXXX ( I found out later onshe 's not a broker she lied. ) I've been swindled out of everything.To make a long short the house was sold on XX/XX/XXXX of XXXX for {$350000.00}. I called the police I try to reach out I don't know what else I could have done XXXX has financially drained my bank account I don't even have the finances to provide for my family with on top of it moving I've tried to question I've tried calling XXXX XXXX but the house in someone's name XXXX XXXX XXXX XXXX. I filed a police report XXXX with XXXX XXXX ( wire fraud ) wells fargo won't let me dispute a charge. Or let me have access to that account. Wells

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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I had been a customer of XXXX for over a decade in the City of XXXX. After raising my rate from {$60.00} per month to over {$120.00} per month I decided to look elsewhere for a cheaper product as I was only using their internet service. 
I called in XXXX XXXX  to cancel my service as I was able to find cheaper service thru XXXX. The representative never mentioned any final charges and when my final bill came it showed a {$200.00} deactivation fee. I called several times from XXXX thru XXXX XXXX  to ask about it and request assistance in removing it as I never signed or agreed to a deactivation fee. 
XXXX would not budge and sent it to a collection agency in XXXX XXXX. I requested more information from the collection agency and they closed my file and issued a letter in XXXX XXXX  indicating that they were not going to pursue the collection. 
To my surprise in XX/XX/XXXX  a company called CCS sent me a letter indicating that they were collecting the debt. 
I requested more information from CCS in XXXX XXXX  and on XX/XX/XXXX, which has not yet provided. All they sent me was a copy of my final bill showing the charges, but nothing showing their cancellation policy or any signed agreements. 
Can you please assist me as I do not believe I am responsible for the {$200.00} deactivation fee as XXXX was not able to offer me a lower rate, and their representative never notified me of the cancellation charge upon cancelling.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal piece of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just received my credit report and noticed unauthorized use of my name and I noticed that the other information is incorrect

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
A fraudulent Chime account was opened using a variant of my email address on XXXX XXXX at XXXX XXXX. The account was accessed via XXXX device in XXXX Florida. XXXX will route all variant email messages back to the parent email address as long as the spelling is the same ( ex : parent email is XXXX. Any variation of that email ( XXXX, XXXX XXXX XXXX, XXXX ) will be routed back to the original email ). I had an account opened using a variant and I have tried several times to contact Chime via telephone ( they use an automated service that does not allow you to close an account ) with no success. I have emailed their customer support email and am given the option to download the Chime App to use the chat feature ( which I cant because I cant access the fraudulent account to be able to chat, or to contact them again from the email associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to remove from reporting : XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
I have a loan with Bridgecrest for my XXXX XXXX XXXX which I traded in on XX/XX/XXXX. On XX/XX/XXXX, Bridgecrest received my payoff check from the dealer. On the XXXX I contacted customer service because the car was scheduled for repossession, even though they had the check. I had previously given them the tracking number when the check was first mailed. The representative at Bridgecrest said the car would not be repossessed and the check would be applied to my account and backdated by the end of the week. I checked back on the XXXX and it was still not applied. I contacted them again and I was told the check was not enough. I paid the difference and was told that the payment would be applied and to check back by the end of the week. The payment has still not been applied. I have been assessed late fees and interest ( which they claim will be backdated but they also claim the check will be applied to me account within 48 hours every time I contact them ). They are also reporting to the credit bureau that I am late on my payments. I am at a loss how to resolve this. All I get is I understand your frustration. Be patient. It will be applied and backdated within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
From the covid- i was in deferment and i been making payments since XX/XX/XXXX but since showing i owe over {$40000.00} which is incorrect. 
i have called mutiply times, they refuse to assist me, i request to speak to a manager. they refuse to give a manager, i ask for there supervisor, refused me that also. 
they mention it a few weeks to update my files- it's have been months i have document to back this up. 
i believe interest has been adding up and they have been adding to the principle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I am a XXXX veteran and I have recently been able to make additional payments on my mortgage. My mortgage company is Nationstar LLC, subservicer for XXXX ( my bank ). I began making these payments on XX/XX/XXXX with a payment of {$500.00} on principal. Since then, I have been making {$1500.00} payments on the first of every month. The additional principal shows up in my payment activity, and is applied on the XXXX of that month. 

The first issue I had was when I made a payment on XX/XX/XXXX. I paid {$1500.00} toward principal using the same payment option I use every time. They have another option to pay, which I've used once, where you pretty much make another mortgage payment with interest and escrow included, plus additional principal. The payment gets split. I didn't like that option, so I haven't used it since. When I made the {$1500.00} payment in XXXX, they messed it up and applied it like the second option, instead of applying it only to principal. I noticed it on XX/XX/XXXX and sent a message. They had it corrected by the XXXX of XXXX. 

XX/XX/XXXX, I made a payment of {$1500.00} toward principal, which can be seen on my savings statement and was confirmed later in a phone call to XXXX. On the XXXX of XXXX, it wasn't in my payment activity, and wasn't applied to my mortgage. I sent a message to Nationstar on XX/XX/XXXX and explained that I had made a payment, and it is missing. On XX/XX/XXXX they sent a message back stating that additional research was needed as well as any supporting documentation related to my inquiry. 

On XX/XX/XXXX I sent them my savings statement showing that {$1500.00} had come out of my savings account and went to my mortgage account. XX/XX/XXXX they replied with a message stating that additional research was needed, and to wait XXXX days for a resolution letter. XX/XX/XXXX I received the resolution letter. The letter had only addressed the payment mistake in XXXX that was corrected on XX/XX/XXXX, not my missing payment. 

XX/XX/XXXX I sent them another message stating that they haven't addressed the correct issue, I have made a payment that is now missing, and that it didn't seem as though anyone actually looked at the proof I sent. ( Today ) XX/XX/XXXX I received the same standard give us XXXX days message, followed by another message with the same resolution letter I was given before about the already corrected XXXX payment. 

At this point, I am getting nowhere with Nationstar. It doesn't seem as though anyone is doing anything to help me. I have lost faith that if I keep making my additional payments they will go to my account. I planned on having my house paid off by XX/XX/XXXX, and saving over {$20000.00} in interest. I feel like Nationstar is going to miss that {$20000.00} and that they're making this difficult intentionally.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.

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 2021-11-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

3. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.

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 2021-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX XXXX Balance Owed : {$2800.00} Date OpenedXX/XX/XXXX XXXX XXXX Balance Owed : {$6100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$6300.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Cash Net USA drafted my payment on the wrong day so that the could charge me an NSF fee. I get paid bi-weekly on Thursdays and they drafted my bank on Wednesday on purpose in order to collect a {$32.00} NSF fee. I have called and spoke with reps and I have sent multiple e-mails telling them to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Center, LLC
State: CT

Complaint narrative:
I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation , by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TN

Complaint narrative:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

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 2021-11-11 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: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation