vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I was mailed an offer. I signed in and accepted the offer. I provided all and any information to them to identify myself. They signed into my bank account and have all my personal information and still denied me saying they couldnt identify me. They asked some very personal questions and asked for very sensitive information. Why am I reporting them? Because they are phishing through usps and through the web. I got mine through the usps. They are telling people they are approved, make you jump through hoops then deny you for the reason they cant identify me. This has happened to plenty of people. Im reading it in the XXXX  site. Ive left a complaint due to them denying returning nor destroying any of my personal information. Its obvious they are stealing information for their personal gain. When is something going to be done about this criminal organization?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: KY

Complaint narrative:
Started with XXXX XXXX XXXX paid off all equipment in XXXX, and then received a letter from Zion 's explaining we owed {$1900.00}. We received a call in XXXX from XXXX during XXXX that card on file had expired, said we owed {$230.00}, we agreed to pay this amount to stop the XXXXXXXX XXXX and continue to pay the equipment. The equipment was financed with XXXX and was being withdrawn from bank account ending in XXXX through XX/XX/XXXX. The equipment was paid in full at this time, {$1400.00}. We did not get any other call from XXXX, then we received the collections notice from Zion 's on XX/XX/XXXX, claiming we owe the {$1900.00}. We attempted to contact 3 times to dispute, and we were told we had to pay this debt. However, per our records and all of this information, we feel we do not owe any of this debt, aside from {$230.00}, which we are willing to pay. XXXX refuses to deal with us because they sold the debt and now Zion 's is demanding money that is owed or sending to collections on XXXX Nothing was received since we spoke to them in XXXX, then all a sudden we are in collections and Zion 's is not allowing us to dispute, even saying in an email, the do not talk on the phone. It seems like it is scams. We wanted to get this resolved immediately and now we are concerned about this this because nothing is adding up.

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 2023-09-16 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:
Hello, In response to your previous response to my most recent complaint filed on XX/XX/XXXX, you stated that you have recently settled two lawsuits relative to discharged non-qualified private student loans. You also stated that I was either not apart or not included in any of those lawsuits. Therefore, you stated that I am still obligated to pay on a debt that I have proven beyond a reasonable doubt is in fact a non-qualified private student loan. The lawsuits that are above mentioned either were filed while I was actively in my Chapter XXXX bankruptcy ( i.e. XXXX ) or when I had just received a discharge order, which was at the end of XXXX. At that time, I was unaware that my private student loan was dischargeable. Your response does not change the narrative of my circumstances. You are clearly in violation of current bankruptcy law by continuing to collect on my non-qualified private student loan. I will continue to file complaints every single day if that is what I have to do. I am only asking that you do the right thing and please cease collections on my loan and refund me what I have already paid since XXXX. This is also what the CFPB bulletin regarding unfair billing practices dated XX/XX/XXXX is calling for as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE RECIEVED NUMEROUS NOTIFICATIONS ABOUT A PHONE ACCOUNT THAT IS NOT MINE. I HAVE CONTACTED XXXX WHICH WAS NOW XXXX XXXX XXXX THAT IS IN CHARGE OF THE DEBT COLLECTION. AFTER DISPUTING WITH XXXX XXXX XXXX, THEY WERE NOT ABLE TO PROVE IT WAS MY ACCOUNT. I HAVE ASKED FOR CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. NONE OF MY REQUEST HAVE BEEN GRANTED EXCEPT THE FACT THAT I WAS SENT INVOICES THAT ONLY SHOWS MY NAME THAT IS INCORRECT, AND AN ADDRESS THAT SHOWS THE BILLS WERE BEING SENT TO THAT ADDRESS I HAVE NEVER LIVED AT IN MY LIFE. NOW THIS COMPANY XXXX  AS WITH ACCOUNT # XXXX IS TRYING TO DO THE SAME THING AS THE PREVIOUS XXXX COLLECTION COMPANIES. AGAIN THIS ACCOUNT IS NOT MINE, IT WAS NOT OPENED BY ME. AGAIN, I WAS NOT SENT THE ORIGINAL CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. WHEN I DISPUTED THE INFORMATION WITH XXXX  AS, THEY STATED THAT " XXXX DOES NOT REQUIRE A PHYSICAL WET SIGNATURE WHEN OPENING AN ACCOUNT AND SIGNATURE IS NOT REQUIRED FOR A DEBT TO BE CONSIDERED VALID ''. ( SEE DISPUTE ATTACHMENT ). I FIND THIS RESPONSE FROM THIS 3RD PARTY COLLECTION AGENCY AND XXXX OUTRAGEOUS. SO YOU TELL ME THAT ANYONE CAN OPEN A PHONE LINE WITH XXXX VERBALLY? WITH NO FORM OF IDENTIFICATION OR ANYTHING. AGAIN, I WILL ATTACH MY IDENTITY THEFT REPORT. PLEASE HELP FIX THIS ISSUE AND DELETE THE COLLECTION ACCOUNT FROM ALL CREDIT BUREAUS.

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 2023-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally complain about the continuous harassment by Transworld in relation to a debt that I have repeatedly explained is the result of identity theft involving my Fanduel account. Despite providing written documentation from XXXX, confirming that the debt was incurred as a result of a data breach and identity theft, Transworld persists in their efforts to collect this erroneous debt. 

Here are the details of the situation : Account Information : Creditor Name : Transworld Account Number : XXXX Debt Description : Debt Collection for a Third Party Explanation from XXXX : On XX/XX/2023, I discovered unauthorized transactions on my Fanduel account, which raised concerns about potential identity theft. 
I promptly contacted XXXX and reported the suspicious activity. 
XXXX initiated an investigation and confirmed that the debt in question was indeed the result of a data breach and identity theft involving my account. 
They provided me with written documentation, including an explanation of the breach and their commitment to resolving the issue. 

Continuous Harassment by Transworld : Despite providing Transworld with documented evidence from XXXX explaining the origin of the debt, Transworld has continued to harass me through phone calls, letters, and other collection efforts. 
I have informed Transworld on multiple occasions that the debt is not valid, but they persist in their attempts to collect. 

Impact on My Well-being : The constant harassment by Transworld is causing significant distress and negatively affecting my financial and emotional well-being. 

I have attached copies of all relevant correspondence with XXXX, including their written confirmation of the identity theft and data breach. Furthermore, I have maintained a record of the continuous harassment by Transworld, including dates and details of their collection attempts. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate actions to cease Transworld 's unwarranted collection efforts. Additionally, I request that Transworld be held accountable for their actions and any violations of consumer protection laws. 

I appreciate your attention to this serious matter and trust that the Consumer Financial Protection Bureau will work to ensure a swift resolution. 

Please do not hesitate to contact me if you require any further information or documentation to address this issue effectively. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I received a letter from this company on XX/XX/XXXX stating I owed money to an apartment complex.i asked for documentation and they sent me falsified documents. I lived in XXXX XXXX XXXX from XX/XX/XXXX until I moved XX/XX/XXXX. On XX/XX/XXXX my apartment caught fire while I was away. The fire was not my fault but the fault of the apartment. I moved into another apartment due to mine being unliveable. I moved out on XX/XX/XXXX and turned in my keys the same day. I asked the XXXX XXXX of this complex, they had issues keeping trustful employees who didn't harass residents or steal rent money. I asked if I owed any money they said no and once they check the apartment and if any repairs needed they would send me the final bill and anything left from my deposit. She asked for my new address and I supplied it to her. I went on my way and in XXXX of XXXX I called the apartment complex to see if they were able to tell Me when I would receive my deposit.i was told the manager I talked to in XXXX was no longer there and that I should receive my refund check in XXXX days. I got sick with covid and forgot all about following up until XX/XX/XXXX when I got a letter from Genesis Credit Management saying I owed money to this property. I disputed the charges and received a packet from them that shows that all the money I paid in rent, water and gas from XX/XX/XXXX until XXXX was asked for again even though it initially said credit then they tried to charge it again. The company Genesis Credit mgmt when I searched them online shows they have a history of lawsuits on the same thing. When u call their number you don't speak to some except for them to try to sell you their credit repair services. There's lawyers I have spoken to that are aware of what they do and how the apartments harass and use this company to collect money that had already been paid. I can't get no answers as to why I'm being charged for stuff that's already been paid or double charges to get me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am filling another complaint to provide an update regarding my previous complaint, filed under reference number XXXX in XX/XX/2023. Despite the initial response from the company in XXXX, wherein they assured me that they were not reporting the account in question and agreed to provide validation while ceasing further communication, I regret to inform you that the situation has taken a turn for the worse. 

To my dismay, I have recently discovered that the company has chosen to report an invalid account to the credit bureaus, resulting in further damage to my already compromised credit file. This action is a clear violation of their previous commitment, as well as a breach of my consumer rights under the Fair Credit Reporting Act and other applicable laws. 

I am deeply concerned about the consequences this unauthorized reporting will have on my financial well-being and creditworthiness. It is evident that my civil rights have been violated, and I am left with no choice but to escalate this matter further if a satisfactory resolution is not reached promptly. 

I deeply value your commitment to ensuring fair and accurate credit reporting. However, it is disheartening to witness the ongoing harm to my credit file despite the assurances provided by the company. I trust that you will take swift and decisive action to rectify this situation and safeguard my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XXXX Wells Fargo debited my account without funds available placing my account in the negative

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2023 I mailed a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they've caused me. My information was also impacted by the XXXX breach and may have gotten into the hands of the wrong person.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2023 I mailed a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they've caused me. My information was also impacted by the Equifax breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Student loan balances are incorrect. The balances for Dept of EDXXXX XXXX XXXX XXXX. Loans have been discharged totally.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
This is to inform the CFPB. That for the past six months. I have been trying to renew credit with Self financial. Unfortunately, there is a freeze on my consumer credit report. With a company by the name of XXXX XXXX which Is owned by XXXX XXXX. On several occasions for the past six months, I've been trying to get their attention, on this freeze. my XXXX freeze is lifted But XXXX XXXX does not want to approve My application Because of that freeze. I have been communicating with, XXXX and XXXX XXXX, to lift the freeze on my consumer credit report but They been giving me a hard time on freezing my personal information this is a strategy for consumers not to get approve Between XXXX and XXXX XXXX and self-financial is denying credit to the consumer. XXXX XXXX is demanding my personal information when I have mentioned that all my information is with XXXX since XXXX is owned by XXXX XXXX it should not be hard to get my personal information. my understanding is that self-financial does not want to approve me. All because of my credit history This is called discrimination. Which is a violation. I, the consumer and natural person, was denied credit by self-financial when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by self-financial XXXX and XXXX XXXX. due to the response, I received. Self-financial XXXX. And XXXX XXXX. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Self Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. I demand the following accounts be properly verified or removed immediately. 
The accounts & inquiries in question are listed below. 

Inaccurate Accounts : XXXX  XXXX Bankruptcy : XX/XX/XXXX - Dismissed First Premier - status derogatory XXXX XXXX - status collection/charge off XXXX XXXXXXXX XXXX XXXX XXXX derogatory Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX - XX/XX/XXXX XXXX the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It has been OVER 30 days & I have not received any verification. When I call, I always get someone who does not speak clear XXXX and I am told the items have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. I demand the following accounts be properly verified or removed immediately. 
The accounts & inquiries in question are listed below. 

Inaccurate Accounts : XXXX  XXXX Bankruptcy : XX/XX/XXXX - Dismissed XXXX  XXXX  - status derogatory XXXX XXXX - status collection/charge off XXXX XXXXXXXX XXXX XXXX XXXX derogatory Unauthorized Inquiries : XXXX  XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It has been OVER 30 days & I have not received any verification. When I call, I always get someone who does not speak clear English and I am told the items have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts 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