vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I received a NOTICE OF DEBT from CREDIT COLLECTION SERVICES dated XX/XX/2021 for {$1000.00}. I am a federally protected consumer. I never gave consent for CREDIT COLLECTION SERVICES to communicate or contract with me. Under 15 U.S. Code 1692, there are several violations that CREDIT COLLECTION SERVICES committed. The debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices dated XX/XX/2021 from the federally protected consumer. I am seeking my requested remedy according to damage sustained and regulated under 15 U.S. Code 1692.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX I, XXXX XXXX XXXX, contacted Wells Fargo Auto in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on XX/XX/21 at XXXX which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional XXXX IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and 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 2021-04-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have contacted Equifax multiple times about my credit file reflecting multiple inaccuracies and have not gotten anywhere. They either send me a canned letter back saying absolutely nothing or in this most recent case, I receive nothing. I want this this bankruptcy that is a violation of my rights, removed from credit file, immediately. The people that they told me that verified this information sent me a letter on their letter head telling me that they have no knowledge of this information, so Equifax has been lying to me since I started this dispute. I want this item DELETED immediately. 

I am NOT a third party, I am complaining on behalf of myself!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
We refinanced our home on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX XXXX which is the same company prior to refinancing. The company they had serving our loan is Loancare, which is still the same serving company prior to refinancing. Our first payment for the new loan wasn't due until XX/XX/XXXX. Prior to making payment on the new loan I noticed my escrow amount for the new loan was off by {$470.00}. My prior loan escrow was XXXX, which I received a check in the amount of {$80.00}. This left a balance of {$2900.00}. My beginning balance for my new loan was only {$2400.00}, which is a difference of {$470.00} unaccounted for. I contacted them and spoke with a representative by the name of XXXX on XX/XX/XXXX, which he reviewed my account and agreed it was missing {$470.00}. He stated he would escalate it to the escrow department and I should hear something in 3-5 business days. This was my first attempt with no response. I then sent an email on XX/XX/XXXX, which was my second attempt with no response. I then sent an email on XX/XX/XXXX and received a unacceptable response on XX/XX/XXXX. Informing me to contact my original closing company, who I thought I was contacting. I then reached out to my loan officer XXXX XXXX with XXXX XXXX, XXXX on XX/XX/XXXX for assistance and XXXX XXXX, Mortgage Loan Processor with XXXX XXXX XXXX. XXXX XXXX informed me I need to contact Loancare regarding the final reconciliation of our old loan payoff. That's who all my escrow inquiries have been going to. I sent Loancare a certified letter with all documents, which has been delivered to Loancare, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX and signed for on XX/XX/XXXX. I haven't received no response yet. I'm not getting any assistance from XXXX XXXX XXXX or Loancare. All I'm getting is the run around. XXXX should be just as accountable they sent my loan to Loancare to service.

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 2021-04-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian continues to report inaccurate information on my credit file and I halve told them time and time again that this is effecting me adversely. I have sent letter after letter only for them to tell me that it has been verified. i requested to know who gave incorrect inaccurate information and the company that they told me sent me a letter on letterhead telling me that they have no record of such ibankruptcy. I want this bankruptcy deleted from my report. It is a direct violation the FCRA rights. 

I am not a third party, I am filing a complaint on my behalf.

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 2021-04-06 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: NC

Complaint narrative:
For some reason I have been ignored about the disputes I put in about the incorrect information on my credit report. I sent my letter on XX/XX/2021 and havent heard a peep from them. I am very upset that theres incorrect information on my report and Im even more upset that I have been ignored. I understand mistakes happen thats why I have been very patient and now I need these items removed. I will file for litigation due to distress if these items arent removed because it has been well over 60 days. I know that credit bureaus must respond within 30 days and its going on 90 days no response. You failed to maintain reasonable procedures in your operations to assure maximum ACCURACY in the reports you publish so please delete immediately. Im getting very impatient and I will not wait another 30 days.

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 2021-04-06 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: NC

Complaint narrative:
For some reason I have been ignored about the disputes I put in about the incorrect information on my credit report. I sent my letter on XX/XX/2021 and havent heard a peep from them. I am very upset that theres incorrect information on my report and Im even more upset that I have been ignored. I understand mistakes happen thats why I have been very patient and now I need these items removed. I will file for litigation due to distress if these items arent removed because it has been well over 60 days. I know that credit bureaus must respond within 30 days and its going on 90 days no response. You failed to maintain reasonable procedures in your operations to assure maximum ACCURACY in the reports you publish so please delete immediately. Im getting very impatient and I will not wait another 30 days.

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 2021-04-06 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: NC

Complaint narrative:
I contacted via phone and every rep I spoke to told me to send my disputes through mail. I sent my letter on XX/XX/2021 and havent received a response. Im unsure to why I have been ignored. I take my credit very seriously and I need the incorrect information listed on my credit report deleted asap. Being that it has been over 70 days I dont have time for them to do an investigation because it should have already been done. I need the incorrect information deleted as soon as possible and I will not wait another 30 days. This situation has been stressing me out and Im willing to file for litigation if need be if these items arent deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I XXXX XXXX entered a consumer credit transaction with Synchrony bank on XX/XX/XXXX and XXXX, XXXX XXXX. I never gave Synchrony bank permission to send me a bill, for several month they have sent bills to my home. In this bill were FDCPA and truth and lending violation in. Pursue to federal law 15 USC 1692b ( 2 ) not state that such consumer owes a debt. Pursue to 15 USC 1605 the finance charge is the sum of all charges and does not include charges if a type payable in a comparable in cash transaction, which Synchrony bank has billed and accepted cash in a consumer credit transaction. Pursue to 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails, when which Synchrony logo was on the bill that was sent to my home. These violation have happened under two accounts under the Synchrony Bank.

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 2021-04-06 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: NC

Complaint narrative:
On XX/XX/2021, I sent letters in regards to the incorrect information that is on my credit profile. I have yet to receive a response and it has been over 60 days. I'm very unhappy that I have been ignored and I have been very patient. It has been a rough time during this pandemic and I am trying to purchase a house for my family but being that there is incorrect information on my credit report it is hindering me from doing so. It has also cost me thousands of dollars each year due to the incorrect information. Being that it has been over 60 days and I havent received a response. I demand that these accounts be deleted. I will not keep waiting and waiting. An investigation should have been done by now, now I NEED the items deleted being that they havent done their job in the appropriate amount of time. I'm very knowledgeable of my rights and if items arent deleted I will be filing for litigation due to all the stress Ive been caused due to being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I received a phone call from US bank fruad department informing me that my account will be closed due to fraud activity due to a XXXX XXXX XXXX bank transfer of XXXX from my daughter. I was told my account will be closed And it can take up to 90 days to close the account to receive my remaining balance funds through mail. on XX/XX/XXXX i went to my local US bank branch with my daughter and her valid ID and social security card to prove my innocence and to show them that the transfer was done by her and they told me there was nothing they could do my account could not be reopened. on XX/XX/XXXX my account was officially closed and I was told i would receive a cashiers check in the mail in 10 Business days of my remaining balance. it has now been past 10 days so I call my local US bank branch and they tell me my funds have not been released due to an ongoing investigation with my account even though my account is fully closed. its been over 3 months and I havent received any of my money back that I was wrongfully accused of stealing. This is not fair and not right I am at wits end me and my family are really counting on getting this money back! 


I attached 3 documents of my daughters XXXX XXXX XXXX bank statement showing the XXXX transfer, another document proving her identity with photocopies of her license and social security number front and back also a picture of her bank debt card that she used to make the bank transfer with.

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 2021-04-06 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: CA

Complaint narrative:
we contacted the XXXX XXXX XXXX in regards to the balance we paid off last year and they still haven't reported the paid off on the 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 non-monetary relief
Consumer complaint received 2021-04-06 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: NC

Complaint narrative:
I contacted via phone and every rep I spoke to told me to send my disputes through mail. I sent my letter on XX/XX/2021 and havent received a response. Im unsure to why I have been ignored. I take my credit very seriously and I need the incorrect information listed on my credit report deleted asap. Being that it has been over 70 days I dont have time for them to do an investigation because it should have already been done. I need the incorrect information deleted as soon as possible and I will not wait another 30 days. This situation has been stressing me out and Im willing to file for litigation if need be if these items arent deleted asap.

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I have a XXXX XXXX in my name location in XXXX and I have never even been there before.its almost {$350.00} and I need to get rid of this i was incarcerated for 14 mtgs and other than that have been in XXXX pa for almost 4 yrs now. Also I filled my back payment for employment and yet to hear anything I have been out of work since XX/XX/XXXX or XXXX and didn't get my unemployment started untill XXXX or XXXX so if anyone wants to look in to that as well I will be extremely greatful. Also I tried to help my credit by applying with self now I have two accounts and don't know how to close them.also my debt card for XXXX was lost and spent {$1500.00} on it and I went back to jail before I was able to get something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Hello So, several days ago I received two money transfers being withdrawn from my bank account. One from my savings account ( I NEVER have given my savings account number to anyone ) and one from my checking ( of which I dont give out either but to pay bills like insurance, cable, etc ) So two fraudulent charges came out of my XXXX XXXX account to Moneylion. I have no idea what moneylion is. So I called about the charges and XXXX XXXX took care of the reversals. Great. But today ( XX/XX/2021 ) i recieved a debit card for a Moneylion account! I did not open a money lion account! Ive contacted Moneylion several times and no response!! They are terrible! Please help me close their account they are allowing hackers to open accounts with fake names. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: NC

Complaint narrative:
For some reason I have been ignored about the disputes I put in about the incorrect information on my credit report. I sent my letter on XX/XX/2021 and havent heard a peep from them. I am very upset that theres incorrect information on my report and Im even more upset that I have been ignored. I understand mistakes happen thats why I have been very patient and now I need these items removed. I will file for litigation due to distress if these items arent removed because it has been well over 60 days. I know that credit bureaus must respond within 30 days and its going on 90 days no response. You failed to maintain reasonable procedures in your operations to assure maximum ACCURACY in the reports you publish so please delete immediately. Im getting very impatient and I will not wait another 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CA

Complaint narrative:
we contacted the XXXX  XXXX  company in regards to the balance we paid off last year and they still haven't reported the paid off on the 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 2021-04-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
we contacted the XXXX XXXX  company in regards to the balance we paid off last year and they still haven't reported the paid off on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed inaccurate information on my consumer report and requested an investigation into these items, but never received a response and it is to my knowledge that I should receive a response within 30 days. I submitted my initial request on XX/XX/2021 and today is XX/XX/2021, which makes it the XXXX day, so I am demanding per the FCRA that these inaccurate items be removed. I've attached the original documents and will be attaching my Demand to Comply letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I sent my 3rd affidavit to MBFS and they received it XX/XX/2021, XXXX XXXX  Delivered XXXX, MI XXXX item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, MI XXXX. The item was signed for by XXXX XXXX. 

I am demanding that MBFS address my concerns and respond with Federal facts and not hearsay. MBFS has failed to address me as a consumer and the federal rights i have made known to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: OH

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation