vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Credit collection services XXXX XXXX XXXX, XXXX, MA XXXX. Has been sending me notice balance {$690.00} The collection has reported as a pass due balance. I dont know this company. I never done any business with this company. This company doesnt have a contract with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RECOV XXXX Original creditor : XXXX XXXX XXXX  Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I HAVE APPLIED FOR THE MORTGAGE ASSISTANCE BUT THE SERVICER IS REFUSING TO REVIEW MY FILE THEY ARE REFUSIGN TO REDUCE MY PAYMENT AND RATE BASED UPON MY INVESTOR GUIDLEINES XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I sent a letter on XX/XX/21 to the common wealth financial systems company who I noticed reported on my XXXX XXXX that I owe them {$100.00}, {$160.00}, and {$100.00}. I sent them a letter for them to send me verification that this is my debt, they have yet to send me anything in the mail to verify this is my debt. It is now XX/XX/21 and have yet to get anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When the Covid-19 pandemic first began in XXXX, Wells Fargo gave me a 3-4 month forbearance due to the pandemic, but began recollecting payment after. Because we were working reduced hours, we applied to Wells Fargo 's student loan modified monthly payment program in XX/XX/XXXX but were both denied for unknown reasons. Wells Fargo then continued to collect full payment amounts for over a year as if no pandemic occurred even though my cosigner and I were working reduced hours since the pandemic started in XXXX. We still are working reduced hours in XXXX. In the summer of XXXX, Wells Fargo handed or sold off their student loan collection to XXXX XXXX, which is not Wells Fargo anymore. They collected student loan payments while federal programs have paused recollection. Many private lenders even gave postponement of payment or alternative payment plans to help borrowers repay lesser amounts than their regular pre-pandemic amounts. I did not want to refinance my private loans with another private company because of interest and transfer fees which would defeat the purpose of paying off a student loan, and was not ready to go back to school because of pandemic restrictions around the world. I wanted a lower monthly payment but Wells Fargo or XXXX XXXX claims they can not reduce my monthly payment at all.

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 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank has declined my application for a Checking/Savings account citing " Unable to verify information on consumer report '' as the decline reason. 

Citibank 's decline letter recommends that I contact credit reporting agency, but the letter does not say information from which agency was used in Citibank 's decision. 

Also the statement that Citibank had made about the fact that it was not able to verify information on a consumer report indicates that it was a Citibank 's lack of expertise or effort in attempts to verify the information rather than anything being wrong with my application or my consumer reporting agency credit report since all information on my credit reports at all major credit reporting agencies is verifiable. 

By stating factually false information on its letter Citibank is trying to hide the real reasons for declining my application, which can easily be assumed were based on the facts that I am a representative of a non-typical class of consumers and that I previously exercised my rights under the federal law to complain about certain Citibank 's business practices. 

Also by stating a bogus reason for declining my application Citibank employs a strategy geared towards reducing Ciitibank 's responsibility to answer to customer 's complaints. Even when Citibank responds to this complaint with a corrected reason, the customer would loose the ability to file a complaint regarding the Citibank 's wrongful decision to decline my application as any subsequent complaints would be treated by Citibank as duplicate.

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 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
I wrote to Professional Bureau of Collections of Maryland , Inc. twice by certified mail to request debt validation, specifically proof that they are authorized to collect the debt. I dont know who they are and I have no account with them so I asked for documentation to prove that they have the right to perform collection. They did not send me any agreements, contracts, or assignments with their client that showed they were authorized. Yet, Professional Bureau of Collections of Maryland continues with their collection activities including reporting to credit agencies after I asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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 did not comply 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 inaccurate inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: VA

Complaint narrative:
Cedars Business Services , LLC is trying to collector for a debt that is not owed. I only received communication from this debt collector via email on XX/XX/2021. See attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Nelnet, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item ( DEPTEDNELNET account # XXXX Date Opened : XX/XX/2012 Balance : {$0.00} ) is reporting late, yet it is closed and the balance is XXXX as reported in XXXX Credit Bureaus . The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaints. Lets remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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. They have 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 inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
They reported an incorrect amount on my credit report as well as doubled the charge 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 2021-11-12 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: PA

Complaint narrative:
listen I have reached out via phone, mail and the CFPB and yet I am still being violated. These accounts are inaccurate and effecting me negatively. I have not benefited from any of these companies nor accounts and demand that they are deleted.By law you had 30 days to respond and I have heard nothing not a peep. I need this situation handled like yesterday my attorney generals office has informed me to report one last time before starting legal help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.

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 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I sent a letter to this companyXX/XX/XXXXonline information services for them to verify that this is my debt and why I owe this debt and what it is from. It is for {$96.00}. It is now XX/XX/XXXX and I have not gotten a response from this collector for verification that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Self Financial Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item ( SELF / XXXX with account number XXXX Date Opened : XX/XX/2018 Balance : {$0.00} ) is reporting late, yet it is closed and the balance is XXXX as reported in XXXX and XXXX Credit Bureaus . The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. Lets remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
Arnold Scott Harris , P.C . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX. Has been sending me notice balance {$240.00} The collection has reported as a pass due balance. I dont know this company. I have never done any business with this company. This company doesnt have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX I made a transfer of {$1900.00} via XXXX to the other party. 
- Nothing received by other party XXXX Called Bank of America XXXX and was told my transaction went through. 
- Nothing received by other party XXXX Called Bank of America XXXX and was told my transaction was still pending. Now beyond the normal 1-5 business days that XXXX should take. 

I have yet to receive any notification of an error from XXXX. 

XXXX Ordered a recall of my funds through Bank of America XXXX. However no confirmation of the recall was made to me.

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 2021-11-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX XXXX  XXXX  # XXXX 30 DAY XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

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 2021-11-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I respectfully request Georgia Student Finance Commission to provide me with competent evidence that I have any legal obligation to pay them. 

- pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Pursuant to 15 USC 1962 c ( c ) and 15 USC 1692g ( b ), I am demanding that Georgia Student Finance Commission cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
Cashed out My XXXX without my permission I have purchased XXXX XXXX onXX/XX/XXXX from Crypto.com. On XX/XX/XXXX Crypto.com They Have cashed me back for the XXXX without my permission and converted it to USDC without my knowledge. when i contacted their customer support they made up so many stories and and when i insisted and pushed back the lies they finally told me XXXX wasn't listed for the USA and they lied because i checked and it was actually listed on their app on the XXXX of XXXX and that's why i was able to purchase it through their app and i have the screenshot to prove that. I have asked for compensation and still waiting for it. The transactions was done without my permission or consnet, I need back my XXXX XXXX and they can take back their USDC that refunded i never asked them to do so. I need help, no one is willing to hele me from their support team.

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 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
Nationwide Credit & Collection , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX To : The Office of Registered Agent for Nationwide Credit & Collection , Inc . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account ( SANTANDER with account number XXXX ) is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Meridian Financial Services, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.

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 2021-11-12 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: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on AMERICAN HONDA FINANCE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation