vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I renewed a previously purchased ( Prepaid ) Insurance package with XXXX insurance, that included homeowners & auto insurance. The homeowners is paid annually by mortgage company from an escrow account. In XX/XX/XXXX, XXXX cancelled said policy due to non payment from mortgage company. Instead of cancelling the policy flat, XXXX changed my policy and back billed me for auto insurance that was also previously paid and applied my auto policy payment to said change. I did not agree to this change and I disputed this charge with XXXX. 
subsequently, XXXX received payment from mortgage company and issued a new policy effective from the date of cancellation so there was no loss of coverage. but would not correct the billing of {$210.00}. I still dont understand how this is an extension of credit without a finance agreement or credit application. 
In XXXX of XXXX, I received a notice from CCS collections stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to CCS Collections, requesting validation. on XXXX CCS inaccurately reported this account to XXXX and XXXX, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with XXXX. 
Instead of deleting this account as being inaccurately reported, XXXX allowed CCS to Update the inaccurately reported account and changed the creditor to XXXX XXXX. Prior to this CCS Collections report I had a! 00 % payment history and XXXX credit score

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian, under FRCA Act you are required by law to remove inaccurate information. XXXX XXXX  has already contacted you to DELETE the XXXX  XXXX account with a balance of {$4700.00} from all of my credit reports as I am not responsible or liable for that account. I have attached XXXX XXXX  ' official record proof of them requesting Experian to remove it from my credit report. Remove it 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 non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XXXX Phone number : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I did not make charges on the account and have provided previous police reports of identity theft. There is even a judgment against the parties who stole my information resulting in unauthorized charges. Ive provided this info and XXXX continues to defame me. This is a money grab to get me to pay for charges I didnt rack up abs my score dropped significantly as a direct result of their mafia style collection practices. XXXX indicates the collection and it should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: NJ

Complaint narrative:
I Disputed Bankruptcy on my credit report and ask TransUnion to Verify the bankruptcy. They said that it was Verified it. I also contacted the courthouse to Verify their release policy and the court informed me that they don't give information to anyone with the debtor 's full social number and they don't provide Any credit bureau Any information of any bankruptcy cases. That's a Violation of the Fair Credit Reporting Act. To report inaccurate or unverifiable information on a credit report. FRCA ( 15 U.S.C 1681 Bankruptcy Case XXXX XXXX XXXX Docket XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
in accordance with the Fair credit Reporting act Credit Collection Service reference file number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights to privacy 15U.S.C 1681 sECTION 604a Section 2 : it also states a consumer reporting agency can not furnish an account without my written permission. and they have furnished on my all 3 credit reporting agencies without my permission as a collection account and lowering my score tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: MD

Complaint narrative:
I am writing to address an issue regarding a past due payment that occurred in XX/XX/2022. I kindly request your consideration in releasing this payment, as it is the very first late payment in the history of my credit, I have ever had with XXXX or any other company. 

I would like to provide some context regarding the circumstances that led to this overdue payment. It was due to a miscommunication issue that arose between me and XXXX  customer service agents. I had intended to activate a service for XXXX purposes, valued at {$90.00}, through XXXX. However, as I discovered later, the service was unnecessary as I already possessed an existing account with XXXX that provided me with the required services XXXX claimed I had used from their purchase, which is not true. Ive contacted XXXX who stated they can not email me anything stating I already have an account and did not open a new one. 

Unfortunately, during the process of canceling the XXXX loan associated with the unnecessary XXXX service, there were some challenges in effectively communicating my intentions to the customer service representatives. As a result, the service was not activated, and a payment was inadvertently missed. 

I sincerely apologize for any inconvenience this may have caused and take full responsibility for the oversight in not ensuring the timely cancellation of the unnecessary service. As a conscientious borrower who has always honored their financial obligations, I assure you that this occurrence was an exceptional circumstance. 

I kindly request that XXXX XXXX review my account history and consider releasing the 30-day past due payment in question. I firmly believe that this situation is an isolated incident and does not reflect my commitment to meeting my financial responsibilities. XXXX continues to accept new lines of credit for me even though I appeared as untrustworthy to them by inadvertently missing a payment due to a misunderstanding. Moreover, I value the professional relationship I have developed with XXXX over the course of my account tenure. 

I would greatly appreciate any assistance you can provide in rectifying this matter. Please feel free to contact me at your earliest convenience to discuss the details further. 

Thank you for your attention to this matter. I look forward to a prompt resolution, and I trust that we can find a mutually beneficial solution. I appreciate your understanding and cooperation.

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 2023-06-10 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
AFTER SPEAKING WITH MY CREDIT UNION REGARDING A FINANCE OPPORTUNITY IT WAS BROUGHT TO MY ATTENTION THAT THERE WAS A FRAUDULENT ACCOUNT WITH AFFIRM INC LISTED WITHIN MY XXXX CREDIT REPORT THAT I DID NOT AUTHORIZE. I AM A VICTIM OF IDENTITY THEFT PER FCRA 605B, 15 U.S.C 1681c-2 THIS ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE USING MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY NUMBER AND DATE OF BIRTH WITHOUT MY CONSENT. I submitted XXXX XXXX police report and federal trade commission report to XXXX and Affirm and they both refused to follow the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
I am writing to address an issue regarding a past due payment that occurred in XX/XX/2022. I kindly request your consideration in releasing this payment, as it is the very first late payment in the history of my credit, I have ever had with Affirm or any other company. 

I would like to provide some context regarding the circumstances that led to this overdue payment. It was due to a miscommunication issue that arose between me and Affirms customer service agents. I had intended to activate a service for LSAT purposes, valued at {$90.00}, through Affirm. However, as I discovered later, the service was unnecessary as I already possessed an existing account with LSAT that provided me with the required services Affirm claimed I had used from their purchase, which is not true. Ive contacted LSAT who stated they can not email me anything stating I already have an account and did not open a new one. 

Unfortunately, during the process of canceling the Affirm loan associated with the unnecessary LSAT service, there were some challenges in effectively communicating my intentions to the customer service representatives. As a result, the service was not activated, and a payment was inadvertently missed. 

I sincerely apologize for any inconvenience this may have caused and take full responsibility for the oversight in not ensuring the timely cancellation of the unnecessary service. As a conscientious borrower who has always honored their financial obligations, I assure you that this occurrence was an exceptional circumstance. 

I kindly request that Affirm INC review my account history and consider releasing the 30-day past due payment in question. I firmly believe that this situation is an isolated incident and does not reflect my commitment to meeting my financial responsibilities. Affirm continues to accept new lines of credit for me even though I appeared as untrustworthy to them by inadvertently missing a payment due to a misunderstanding. Moreover, I value the professional relationship I have developed with Affirm over the course of my account tenure. 

I would greatly appreciate any assistance you can provide in rectifying this matter. Please feel free to contact me at your earliest convenience to discuss the details further. 

Thank you for your attention to this matter. I look forward to a prompt resolution, and I trust that we can find a mutually beneficial solution. I appreciate your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I became aware of identity fraud when I received a debit card in the mail from an account I did not open and my employer was contacted about unemployment insurance claims. I tried to freeze my three credit reports. XXXX  and XXXXn froze without issue, but my file at TransUnion is split, and I can not freeze it or access it online. 

I reached out by phone XX/XX/XXXX to resolve the issue and was promised a callback within 72 hours, which never arrived. I tried again on XX/XX/XXXX, was promised the same 72 hour callback, which also never arrived. I tried again on XX/XX/XXXX, and again on XX/XX/XXXX, each with the same conclusion. 

I attempted to escalate the issue by purchasing credit monitoring services from TransUnion to become a customer. The service I purchased can not access my split credit file, but now the product they sold me is not performing as expected. It has a better support organization than their service center, but they still seem unable to resolve the issue, making the credit monitoring service I purchased worthless. 

I need to reach the right part of TU, but their support organization seems unable or unwilling to allow that.

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This company has been giving me the run around for years now, and there seems to be no solution with them. XXXX gave me a predatory loan, and the court also knew that the loan was fraudulent. They have closed their door and supposedly transferred my loan to XXXX, also Newrez. I am doing everything to keep my home, and they do not want to modify my loan or look at my paperwork to help me catch up. I am tired of getting the runaround and not getting any younger. I am only looking for a solution, and they are trying to fraudulently take my home by raising the prices and adding unnecessary interest, knowing that I can not afford it. I need a Gap Accounting of the full loan and have not received any paperwork to this date

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 2023-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I attempted to contact the school numerous times and have submitted all of the accompanying documents to both the school and collection agency. This is being fraudulently reported as a debt owed. The school owes me a refund per Texas TDLR guidelines and is stated in their student handbook. I never entered into a payment plan with the school, was never notified by either them or the collection agency about the debt, despite multiple attempts neither of the 2 can provide a statement of what these charges are and their dates. I never received 90 % of the the course materials I paid for from them and when notified/requesting them sever times, I was dropped from the program and ignored.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-06-10 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: GA

Complaint narrative:
AFTER SPEAKING WITH MY CREDIT UNION REGARDING A FINANCE OPPORTUNITY IT WAS BROUGHT TO MY ATTENTION THAT THERE WAS A FRAUDULENT ACCOUNT WITH XXXX  XXXX LISTED WITHIN MY EXPERIAN CREDIT REPORT THAT I DID NOT AUTHORIZE. I AM A VICTIM OF IDENTITY THEFT PER FCRA 605B, 15 U.S.C 1681c-2 THIS ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE USING MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY NUMBER AND DATE OF BIRTH WITHOUT MY CONSENT. I submitted XXXX XXXX police report and federal trade commission report to Experian and XXXX and they both refused to follow the FCRA guidelines.

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 2023-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
LOCKHART MORRIS & MONTGOMERY DEBT COLLECTION COMPANY IS REPORTING ON MY CREDIT REPORT AS AN OPEN ACCOUNT DATE AS OF XX/XX/23 WHICH IS INACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF. THE BALANCE. TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGE DEBT. ALSO PROVIDE ME THE MASTER BILL. OF SALE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
In compliance with the dental service 's cancellation policy, My wife cancelled a dental procedure for my son. On XX/XX/2023, the dental practice charged my USAA credit card a deposit of {$510.00}. My son 's dental procedure was scheduled for XXXX, XXXX, 2023 at XXXX XXXX 
My wife questioned the standards of care in my son 's treatment plan, and began checking with other dental practices on how they conducted this same procedure. On XX/XX/2023, she sent the dental practice a notice to cancel the procedure and requested a refund to my USAA credit card in the amount of {$510.00}. The dental practice made excuses as to why they could not reverse the charges. This led to us initiating a credit card dispute for charges ( {$510.00} ) for services that were never received, and were cancelled per the dental practice 's cancellation policy. The dental practice sent me a full refund Check No. XXXX dated XX/XX/2023 in the amount of {$510.00}. I then called USAA as well as sent them a copy of the check via their online credit card dispute website. USAA has declined to reverse the credit card charge of {$510.00} twice. USAA stated, " This concludes our investigation, '' in both of their email messages. Today, I have sent USAA a third letter again, with my evidence of the deposit slip of Check No. XXXX into my checking account, a copy of Check No. XXXX and the XXXX  XXXX XXXX cancelled Check Image of Check No. XXXX. In my latest letter I have asked them for an explanation of their decision, all supporting documentation, and to give me specific descriptions of the evidence that they require. I sent this third letter certified mail, return receipt requested. We may end up hiring an attorney to move forward with our case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation