vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patient Accounting Service Center
State: ID

Complaint narrative:
The collection agency Arstrat contacted my work without my permission to try to pressure me to make a payment. As stated before, I did not give the agency permission to attempt to reach me at my place of work. I believe this is in direct violation of my rights under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of XXXX  for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : XXXX  : XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

Navient is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: NY

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 45 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 50 days so they should be deleted promptly.

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 2021-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of Corinthian for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : https : XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

XXXX is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.

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 2021-02-07 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: TX

Complaint narrative:
I went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of Corinthian for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : XXXX XXXX XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

XXXX is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.

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 2021-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
On XX/XX/2021 I received a letter from Anderson Financial Network Inc ( AFNI ). The letter stated that XXXX XXXX XXXX XXXX XXXX XXXX XXXX account has been acquired by Afni, Inc. for collections. For {$560.00}. That is not possible as I do not have any Business with XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX Customer Service for fear of potential fraud under my name and information.. XXXX XXXX Customer service confirm what I knew all a long.. There are no accounts are open under my name or SSN. I monitor my credit on a regular basis. Well aware of what accounts are open and close under my name. And XXXX XXXX Has never appeared on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Westcreek Financial
State: IL

Complaint narrative:
I financed a mattress and box spring from West Creek Financial last year I set up two payment arrangements on my account and both time WestCreek Financial, canceled my payments. Now its on my credit report as account closed and now trying to get me to settle the full amount at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During the coronavirus pandemic and never being late on my credit card payments in seven years and never late with the history of Wells Fargo the first time I made a payment late although I submitted help with the pandemic they are telling me that I have not successfully submitted assistance. This is a complete lie and I was able to speak to someone over the phone and they told me that they would be enrolling me in deferred payments on my credit card due to the coronavirus pandemic. I was able to successfully submit my mortgage deferment and as soon as I was completed it online a few days later I called in in regards to my credit card via the customer service line they assured me and made sure that they would be ok with my credit card. I truly believe there was a lot of pressure and many people calling in for assistance and it may have slipped through the cracks but I called in and requested for deferment Wells Fargo has many fraudulent activities in the past and has been sued and issued many fines. Im requesting that The pandemic assistance program was requested for my credit card. Moreover, as soon as the late payment was reported I immediately paid off my credit card and set up auto pay and there has never a late payment since, and never have I ever had one prior. In addition, out of goodwill and a one time 30 day late in my history of XXXX payments, I am peacefully requesting that Wells Fargo remove the late payment reflected on my credit score.

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 2021-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint because CAPITAL ONE AUTO FINANCE has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accouts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ..promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$1600.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} XXXX -This is not my 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 explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$1600.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} XXXX -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Was not properly served. I contacted law office and explained the process server lied and said they served the the papers to someone name XXXX. On XXXX. I was not properly served. No one one was even at home that day and the time is not on the Server order. In fact I was not home the entire week. I would like them to discribe the person that was served. Attorney XXXX XXXX from the XXXX XXXX XXXX XXXXXXXX XXXX said he would contact the Process server. And I never heard back regarding it. Also Tower Loan was untruthful is stating I did not call their office in XX/XX/2020. 
There has been 2 occasions where the truth has not been displayed. I agreed to pay monthly. Before Covid my payments where timely. After Covid I contacted Tower Loan to explain me financial hardship. I have missed only 2 payments during Covid due to several months of Quarantine. Being ill and evacuation do to XXXX XXXX outbreaks. Tower Loan is issuing a wage garnishment. I successfully paid off my first loan to Tower Loan. This 2nd loan was for my ex husband who did not repay what he committed to. So I was held responsible because it was in my name. I am asking for Mercy from Tower Loan company. I have been faithfully paying before Covid. A Garnishment would cause more of a hardship I am currently behind on my Mortgage payments as well. I live alone with no other financial help. I am requesting the Garnishment stopped and allow me to continue making monthly payments. I also want an investigation done regarding the process server if they lied about serving me than they can not be truthful on the process serving of othersXXXX XXXX XXXX XXXX XXXX XXXX has the contact information to contact the Process server who claimed they served me. I pray that Attorney XXXX XXXX will produce the documents of the process server for viewing. I believe there was Fraud involved in the serving process. Thank you in advance

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 2021-02-07 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: CA

Complaint narrative:
am writing to block and delete the following information in my file. The item I need deleted is in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's. identity Theft Affidavit

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 2021-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I wish to file a complaint on Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. I received a notice from this debt collection company ( XX/XX/21 ) who states that XXXX XXXX, a company that I have open complaints against, have contracted them to collect a debt from me ( {$4400.00} ) that I did not accrue as I was the victim of fraud that was committed on my bank account. Their attempts to collect an unverified debt violates my rights under the fair credit and the fair debt collection practices acts respectively. Specifically, the debt is not owed and was generated and determined by XXXX XXXX  without any basis of fact. 3rd party collection agencies have a legal responsibility to validate a debt before initiating collection proceedings.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Block, Inc.
State: IL

Complaint narrative:
I had a Cashapp account which I had sometimes used to send or receive money.

It advertised like it was a bank account, but one day Cashapp didnt work and I reached out many times. There was no phone number to call. 

After many messages on social media, I determined that the company had terminated my account. 

I reached out to try to rectify the problem, but was told they will not discuss any account issues. They will not confirm or deny much of anything. They told me via XXXX that once a an account is closed it is irreversible. 

I have asked for my account history, but they have not as of right now, provided it. 

The fact that this company can close my account, without accountability or redress-ability, nor comment nor any procedure is dangerous and problematic. 

What if I have a XXXX dollars of XXXX, cash or other asset? Do they continue holding it, is it refunded? 

These apps are becoming de facto banks. The fact that they can ban someone easily and quickly is of the upmost concern to consumers. 

Imagine dealing with a real financial bank and they refused to tell you what happened and keep pointing to the terms. 

This app needs serious oversight by a governmental agency. 

I am sure many other people are in the same boat. As XXXX and other virtual Paument methods are becoming more popular, these banking apps need to provide a safe platform, and the consumers need accountability and trust. 

I had several XXXX dollars in the account and I can not confirm if, when, or what money was transferred or where it is is disheartening. 

Also a XXXX user should be able to challenge, respond, or otherwise be involved in all aspects of the account, especially a total ban. XXXX should have to follow strict and rigorous procedures and not arbitrarily or capriciously. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
This account is unknown to me, send me proof of how you verified this account, the collector did not verify that this account was mine, please send me a method of verification bearing me signature. Please send the original paperwork bearing my signature, I believe this to be false information reporting,

Company response to consumer: Closed with explanation