vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

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 2021-05-20 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CO

Complaint narrative:
I have had multiple trades get stuck in a pending status in stop limit. One of them was triggered way after I tried to cancel it and has since rebounded which cost me thousands of dollars. I have another one pending for XXXX XXXX at XXXX which should not trigger and I've wanted to cancel it for 24 hours now and can not. If it triggers and I wasn't able to sell it at the current price I wanted to today, XXXX, it will cost me {$7000.00}. Please just release my XXXX to me so I can trade it. This is so scary and frightening as a consumer to be held hostage by a company like yours with customer support that is not sufficient to handle the volume of requests. Please fix this and don't hold my assets hostage. My email is XXXX to locate my account. I can be reached at XXXX. Please fix this ASAP and email me that it is cancelled. If I need to provide any information, please let me know! This is just unacceptable. 

Unlock my assets stuck in a stop limit order and consider reimbursing my trading fees for the past week as you've already cost me thousands of dollars with your site failures. Please just make this right. I'm the little guy and this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a complaint to Experian and was told that they verified fraudulent activity. I would like to know How is fraudulent information verified, how and what date and what is the process. I had nothing to do with the information listed on the FTC reports.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I HAVE BEEN TRYING TO GET THIS ACCOUNT RESOLVED SINCE XX/XX/ 2019. I HAVE INCLUDED A COUPLE OF THE LETTERS HERE TO SHOW YOU JUST HOW HARD I HAVE TIRED TO GET THIS ACCOUNT CORRECTED. THIS COMPANY EVEN THREATENED ME I HAVE INCLUDED THE LETTER HEAD HERE. THEY DID NOT ONCE COMPLETE VALIDATION FOR ME IF THEY WOULD HAVE PREFORMED A PROPER INVESTIGATION THIS ACCOUNT WOULD NOT STILL BE REPORTING AS OPENED. THIS COMPANY WAS ALSO HOLDING THE MONEY ORDERS THAT I WAS PLACING IN THE DROPBOX AND NOT PUTTING THEM TOWRDS MY PAYMENT SO THAT THEY COULD REPO MY TRUCK. THEY ALSO DAMAGED MY VEHICLE. PLEASE REVIEW ALL DOCUMENTATION AND LETTERS WELL. I WILL ALSO BE FORWARDING THIS INFORMATION TO A LAWYER AS XXXX XXXX AND EQUIFAX HAVE BEEN CAUSING ME AGUISH FOR THE LAST 2 YEARS. THEY HAVE CAUSED ME TO GET DENIED FOR THINGS THAT I WOULD HAVE GOT APPROVED FOR IF THIS ACCOUNT WAS NOT REPORTING INCORRECTLY. VERY UNOPROFESSIONAL I DID A BAD REVIEW FOR THIS COMPANY AND THEY ACTUALLY TIRED TO EMBRASS ME PUBLICLY ON XXXX TELLING PEOPLE I AM ALWAYS TRYING TO GET MY CREDIT FIXED. 

THIS COMPANY CLAIMED THEY SENT ME 3 RESPONSES AND I DID NOT RECEIVE THEM I ONLY RECEIVED THE ONE I HAVE. DO THEY HAVE PROOF THAT THEY ANSWERED MY REQUEST. I HAVE MY CERTIFIED MAIL SLIPS THAT SHOWS WHEN I CONTACTED AS WELL AS MY LETTERS. THIS UNPROFESSIONAL COMPANY SHOULD BE MADE TO FOLLOW THE LAW AND REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I submitted a complaint with CFPB about Ability Recovery. Ability Recovery stated that they are only the 3rd party trying to collect. XXXX XXXX XXXX are the original debt collectors, but I have never done business with them at all and I absolutely owe them nothing. XXXX had already hired another debt collector and it had to be dismissed because they couldn't prove that this was my debt. Now XXXX XXXX XXXX hired someone else to collect. I asked for proof that this is my collection and they sent the documents attached, which is absolutely not proof. First of all, you will see on page 1, they have my birthday as XX/XX/XXXX. That alone should tell you that this is not me. I was born in XXXX. The rest of the pages just show a name addresses and an amount due. THIS IS NOT PROOF! Please remove the collections from all the bureaus that you reported to immediately because it is affecting my credit.

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 2021-05-21 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX  has admitted to " placing '' my personal information about an alleged outstanding debt incurred in complaint # XXXX however, according to 18 USC 1028A : Aggravated Identity theft ( a ) Offenses. 
( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

They have illegally placed my information with National credit Adjustmers as well as XXXX XXXX, both violations. Also, they stated because the debt was " assumed '' to be valid when I did not dispute it in time, they ignored another law- 15 USC 1692g- Admission of Liability Failure to dispute may not be construed by any court as admission of liability. 

XXXX XXXX has infringed on my right to privacy and shared or " placed '' my information with a company I know nothing about who is now reporting negative information to my consumer report as if I owe them! I will be pursuing remedies for the violations done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo is still XXXX with me. They just increased the principal balance on one of the mortgages today, XXXX In addition to that and as a result of all of their XXXX, my credit score decreased today as well. They really are trying to kill me. Just let them do it. XXXX. Take my insurance policies, pay my kids and then track them and harass them and steal the insurance money and let them raise themselves and go homeless. Good job XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
Around or about XX/XX/XXXX XXXX XXXX placed a collection on my Transunion credit file. Upon further investigation, this account was transferred or sold and I am no longer responsible for the accountXX/XX/XXXX XXXX has repeatedly failed to verify this account, since my initial dispute in XXXX of XXXX. Also there was no written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt. And anyone can send a bill and say it belongs to me. According to the FCRA,XX/XX/XXXX XXXX has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item immediately. I have waited long enough for this issue to be resolved.

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 2021-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United wholesale mortgage XXXX Loan # XXXX Property # XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX Just refind XXXX XXXX ever since then we have had problems with this company. 
I have called many times always getting a new person, and upon completion of our conversation all issues are resolved, then I get letter stating I'm a payment behind, after sending canceled checks that have cleared my account, so I started paying over the phone, last payment I made paid XX/XX/2021 and received a letter from them stated I was late on my payment, my bank statement shows it paid on the XX/XX/2021. 
Please I need assistance from you. 
XXXX XXXX XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had an account open with Citibank for a month ( opened in XXXX XXXX, and the account was already connected to brokerages for long term investing as well as my XXXX and XXXX. One day I decided to apply for a credit card in an attempt to consolidate debt, and the consumer report enacted a further investigation into my account resulting in the decision to close my account on XX/XX/XXXX while many transactions were processing. 

No warning or notifications were given to me. No emails, phone calls, texts or any automated messages when trying to sign in. Suddenly my access to my accounts was completely blocked ( I had recently opened a saving account as well ), and I was forced to contact them. I was endlessly referred to other departments and spoken to as if I were an animal. I called numerous times and they refused to tell me why my accounts were blocked, refused to release my funds, and refused to release my bank statements until XX/XX/XXXX after repeated attempts. 

Their decision not only blocked access to half of my liquid assets, but also resulted in transaction reversals and the loss of funds from two separate investment companies and was the largest financial disruption I have ever experienced. XXXX XXXX XXXX were inaccessible in a time of need, and they allowed transfers going into my account after it was supposedly closed but not out. I spoke to representatives who were rude and had no empathy for a father who supports a family on his own. Also, I have been given no precise dates as to when to expect the return of my funds. They have quoted that it could take two months!

The anxiety and the dread this caused me is/was to such an extreme, I would likely spend 20 years taking Citibank to court if needed to in order to get justice. I would very much like assistance. My family needs compensation and their policies must to change so that this absurdity can not repeat. They operate like an illegal XXXX XXXX  or criminal organization and they have the power to financially destroy American families. Their policies must be changed and they need to pay for the suffering they caused me and my family. 

The image attached in the letter received nearly 2 weeks after the decision was made to close 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 2021-05-21 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:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
thank you, any questions or concerns, you can contact me at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
Amerisave used bait and switch tactics and fraudelent contract misrepresentation to gain our business on a refinance. We applied for a refinance on XX/XX/XXXX and reviewed the contract sent over by Amerisave. We questioned the contract when we saw that the rate wasn't fixed and we were told multiple times verbally and in writing that the rate was fixed and not to worry. Based on this information, we signed the contract and paid a {$500.00} application fee to Amerisave.

We contacted Amerisave several times via phone and email to make sure we didn't need to provide any additional information. In XXXX we became concerned that our rate might expire based on the delays on Amerisave 's end. On XX/XX/XXXX we were told in an email by our loan processor XXXX XXXX XXXX XXXX that " I will ensure your rate will not expire if XXXX XXXX XXXX is slow on finding an attorney. '' He also advised us to take the first appointment offered by the title company. 

When the title company called on XX/XX/XXXX they offered us a closing on XX/XX/XXXX at XXXX which we accepted. We forwarded the appointment information to our loan originator and processor the same day, and our loan processor confirmed he received our email on XX/XX/XXXX and said he would have documents prepared for the closing. We checked in with Amerisave on XX/XX/XXXX and did not receive a repose. The night before our closing the title company said they never received paperwork from Amerisave and needed to postpone our closing. 

Our closing was then rescheduled to XX/XX/XXXX, and Amerisave ended our rate lock on XX/XX/XXXX ( the next business day after our original closing date ). Amerisave then provided us with a new set of costs and terms on XX/XX/XXXX that was {$5600.00} more than our closing documents from our XX/XX/XXXX planned closing. At this point we ended our business with Amerisave since they refused to honor the original terms. They refunded our {$500.00} application fee, but because of their illegal lending scams we missed out on record low interest rates. 

This is a clear bait and switch tactic - Amerisave refused to honor our agreed upon closing date then tried to charge us over {$5000.00} the following business day. We ask that Amerisave reimburses us {$5600.00} since this experience forced us to miss out on the great rate we locked in in XXXX. We can provide any additional proof, emails, contracts as needed to prove our case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21 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: NY

Complaint narrative:
Reporting inaccurate information on my consumer report. Even after I have made a plethora of attempts to inform them of this violation, they continue to show inaccurate information on my consumer report and choose to stay in violation of my consumer rights. 

They continue to give me cookie cutter responses and show the account XXXX as verified. 

When I exercised my rights under FCRA 611 A ( 7 ) and requested a complete breakdown of the methods they took to undergo this investigation, who they contacted and the actual steps they took to verify this, I also demanded to be provided with the original contract bearing my signature, when I confront them and ask them how they can possibly verify this and other credit bureaus who actually took the proper steps did not verify and so then complied and deleted this inaccurate item, they do not respond. 

They must delete this inaccurate account and comply to stop being in violation of my consumer rights by continuing to negligibly report this inaccurate information on my consumer report even after being made aware.

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 2021-05-21 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: CT

Complaint narrative:
A.account which i was told was last paid XX/XX/XXXX is still reporting as due to come off in XXXX. 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 explanation