vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PCR Group
State: TX

Complaint narrative:
My Name Is XXXX XXXX, a federally protected consumer, and I am making this complaint against ACCOUNT ADJUSTMENT BUR for committing identity theft I have never given ACCOUNT ADJUSTMENT BUR any permission to use any of my identifying information to commit mail fraud by contacting me about a alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) I am demanding a cease and desist of all illegal activity, and communication and collecting activity, of this and alleged debt until ACCOUNT ADJUSTMENT BUR can provide me with a sufficient documentary evidence that I have any legal obligation to pay them. If the this documentary evidence can not be produced and ACCOUNT ADJUSTMENT BUR continues its collections efforts, I will file for litigation for actual damages caused by ACCOUNT ADJUSTMENT BUR will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XX/XX/XXXX, Navient settled with canceling and giving restitution on federal and private loans. In XXXX, borrowers received a postcard stating this information all the way up to XXXX of XXXX. Unfortunately I wasn't notified when I clear all the qualifications stated on the www.navientagsettlement.com. 

I took out loans with XXXX XXXX before Navient took over between XXXX and XXXX, was delinquent or on a forbearance at least 8 of the 7 months required before XX/XX/XXXX ( XX/XX/XXXX to XX/XX/XXXX ), went to the XXXX XXXX XXXX XXXX, part of the XXXX. I've contacted my XXXX but was told to contact someone else about it. 

Now, Navient is contacting me asking me to settle 70 % of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
My NFL Extra Points Visa credit card with Comenity Capital Bank features an advertised benefit of 0 % interest of purchases over {$250.00} to pay for XXXX tickets, which is clearly stated in the terms and conditions of the cardmember agreement. 

My season tickets with the XXXX XXXX are eligible transactions under those terms and conditions and were charged to my card in 4 equal monthly installments ( @ {$2500.00} each in XXXX, XXXX, XXXX, and XXXX. ) Only the first transaction ( in XXXX ) was placed in the 0 % promotion correctly. The subsequent transactions were treated as normal transactions and have been accruing regular interest. 

I reported this issue after receiving my XXXX statement when the 2nd of the 4 transactions ( made on XX/XX/22 ) was not reflected on my statement as being in the promotion. I was told a dispute would be opened and resolved within 90 days. I never received any acknowledgment the dispute was opened. On XX/XX/22 ( beyond the 90 timeframe ) I called again to check the status as I received no communication as to the resolution of the dispute. I was told it was " never worked '' and that a new dispute would need to be opened. I again have received no acknowledgment of a dispute or been contacted about it, to date. 

For the last 6 months I have had to manually calculate my true balance owed and pay that amount each month by paying my entire monthly statement balance minus the transactions that should be on the promotion. Each month the interest is continuing to accrue and compound. This has also resulted in Comenity mis-reporting my account status to the Credit Bureaus with a monthly revolving balance when in actuality I have been paying off every transaction made that month in full. This is now negatively affecting my credit score. 

Transaction Details : XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was correctly treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] As of today, after my most recent statement closing date of XX/XX/22, I have been incorrectly charged {$1200.00} in interest. 

In addition, those same 3 transactions that were not correctly treated as promotional balance transactions also were not given the advertised 3x rewards points that XXXX team purchases are eligible for, as outlined in the terms and conditions of the cardmember agreement. They each received only XXXX in rewards points instead of the correct XXXX they each should receive. That is a difference of XXXX reward points that are due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a natural person & I'm a living human being. I have rights under USC 1681. I demand the accounts below to be removed. According to 15 USC 1681 I have the right to privacy and I did not give Transunion written consent. 
I've disputed these inquiries several times. They are fraudulent and weren't authorized by me and I want them removed.

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 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/2022 Amount : XXXX ( Did honor balance transfer ) Citibank issued me a check in my XXXX of XXXX statement. The check was to transfer a balance from another charge card. The apr 0 % for 12 months. Also, I received guidelines how the check was to submitted and I called Citibank to ensure I complete it correctly. I did that on XX/XX/2022. 

1. CitibankXXXX XXXX I spoke to three customer representative and the third one finally told me how to complete the check ( from Citibank ). 
2. XXXX XXXX I completed the check the way the Citibank representative have informed and mailed it to XXXX. 
3. XXXX XXXX Citibank didnt pay the check. 
4. I called Citibank XXXX, XXXX  to fine out why they didnt pay the check. 
A. I spoke to XXXX and she said because my account wasnt eligible for the offer. So, I asked to speak to her manager. 
B. The manager said the account wasnt activity. So, I asked to speak to someone higher up. 
C. XXXX of the manager ( XXXX ). She said the previous representatives told me the incorrect reasons and she would complete a dispute report to find out why the check wasnt paid. She completed the report and she would call me XX/XX/XXXX, at XXXX XXXX. She never called me back. 
5. XX/XX/XXXX, I called Citibank and I spoke to XXXX she said the check wasnt paid because offer was for new account only. I told her in the XXXX statement information didnt state that. She said she would write that information on my dispute report. 
6. XX/XX/XXXX, I called Citibank to check the status on the dispute report. 
A. Spoke to XXXX in the dispute department and she said the check was completed incorrectly. I asked to speak to her manager. 
B. XXXX was the manager and he said the reason the representative gave me was incorrect. He told me to call XXXX to see the reason why Citibank didnt pay the check and to call XXXX with the reason. He also said a dispute report had never been completed and he would complete one. 
7. XX/XX/XXXX I called Citibank with the information. I spoke to XXXX and he said, didnt see anything in my file and no dispute report was in my 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 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My phone was stolen/lost XXXX XXXX, 2021. I contacted XXXX the next day to report it stolen. By the time I was able to get a new phone activated I noticed money had been transferred out of my account through XXXX. I was able to stop two pending transaction but {$3800.00} had already been taken out of my account. I was able to see the names and phone numbers of the people who the money was transferred to. I was also able to track my phone for a short time. 
I filed a complaint with Well-Fargo XXXX XXXX and also filed a police report. I received a letter back say they had closed the complaint saying " transaction were made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred ''. 
I called again and was told I had to fax more information. I faxed multiple documents XX/XX/XXXX to the fax number provided. I did not hear anything. XX/XX/XXXX I called again and was told they have no record of my fax even though I had confirmation this was sent. 
XXXX! XXXX I went to Wells-Fargo and they faxed it again. 
This is going on 5 weeks, my account has less than {$1000.00} I need to pay my rent buy food, this is unacceptable. My money should of been returned immediately and I feel I am just getting the run around from Wells-Fargo .

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 2022-10-18 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: NC

Complaint narrative:
I found a error on my credit report months back from a company I've never heard of or never done any business with I've never had a loan anywhere with anybody and I don't have any credit so use Experian to check my credit report and this is where I saw the era I disputed this with them as many times as they would let me I'm not certain how many times that was but they won't let me dispute it anymore I've done it so many times they refuse to listen to me at all and are listening to this fraudulent company named XXXX  that has somehow stole my information and created a bogus account in my name saying I owe them {$20.00} it's literally ridiculous and been the worst nightmare I've ever had to deal with considering Experian would not assist me in any way I contacted directly the company after finding them I had no idea who they even were to look up and took me a minute to find them and they are very fraudulent they are they gave me the runaround basically and they have asked for all of my personal information again like I would give it to them considering they stole it to begin with and wanted me to file a fake police report that I did not need to file it's just been an absolute disaster but I hold Experian responsible for going along with a fraudulent company and backing them up and letting them mess up my credit report for something that they know nothing about these people can not give me any confirmation or information of me signing anything with them reason being they don't have it Experian does not care they are still backing this company and I think that it's the most horrible thing I've ever witnessed that this is allowed and they need to be stopped

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 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-10-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
I have reasonable cause to believe I have been extorted! I have been abused and deceived by " Attorneys '' at ZWICKER & ASSOCIATES, XXXX. in XXXX XXXX, Texas, including but not limited to, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX, are violating my rights and federal law under the FDCPA, XXXX, & XXXX, all while never showing proof of authority to be legally " representing '' XXXX XXXX. They filed a lawsuit against me in XXXX XXXX XXXX XXXX at XXXX XXXX. XXXX in XXXX XXXX, XXXX, Texas, for a " breach of contract '' without providing a legally binding contract. They obtained my nonpublic personal information without lawful authority and have used it to bring harm to me and my financial reputation. I have never entered a contract with these people. I DID NOT AND DO NOT CONSENT to them possessing, using, or transferring my nonpublic personal information. They, along with XXXX XXXX, XXXX XXXX XXXX, etc. violated a cease-and-desist notice delivered on XX/XX/XXXX, via certified mailing number XXXX received with signature, by continuing to proceed in obtaining a default judgement against my strawman, without lawfully validating the alleged debt. 

Violations committed by ZWICKER & ASSOCIATES, P.C. are as follows but not limited to : 15 USC 1 15 USC 1692d 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 5 ) 15 USC 1692 ( 7 ) 15 USC 1692 ( 9 ) 15 USC 1692e ( 13 ) 15 USC 1692f ( 6 ) 15 USC 1692i ( b ) 15 USC 1692j 18 USC 1028A 18 USC 241 42 USC 1983 Let the record show, I, private consumer in fact, REJECT, ZWICKER & ASSOCIATES, P.C. 's offer to contract.

Let the record show I DID NOT AND DO NOT CONSENT to ZWICKER & ASSOCIATES, P.C. or any and all individuals acting under, affiliated with, or doing business with, to possess, use, or transfer ANY of my nonpublic personal information including my name, location information, telephone number, or any details regarding my experiences with financial institutions, for ANY purpose or reason, especially for unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: FL

Complaint narrative:
In my credit report there is a credit card account open with XXXX XXXX XXXX  reported as delinquency. I never had such account and I reported to the bank such account as theft of my social security number.

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 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I do not have an account with this creditor. I have disputed this account on several occassions XXXX XXXX Last reported XX/XX/2022 {$910.00} Open balance XXXX XXXX Last reported XX/XX/2022 {$540.00} Open balance

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2022 I mailed a letter to XXXX, Transunion, XXXX stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2022 I mailed a letter to XXXX, XXXX, Experian stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please remove it from 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 2022-10-18 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: CA

Complaint narrative:
On XX/XX/XXXX I reported to Experian that a debt collection ( XXXX XXXX XXXX ) is being disputed on its validity since XX/XX/XXXX. The collection on my account should be labeled " in dispute ''. And if the company can not confirm debt validation in my name the collection should be taken off my 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