vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the contract is imperative. 

XXXX, Me, XXXX XXXX XXXX, a living Woman, who does NOT have a contract or a " wet ink '' Signature with XXXX  XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT. XXXX XXXX XXXX XXXX. 
Make it also known that Me, First of the family XXXX, a living soul woman, have not seen nor witnessed a " wet ink '' signature contract between XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX. nor have I ever received a True Bill in commerce in regards to the above-reference account.The XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT have attempted to upon levy and / or trespass upon Me, the Living Soul Woman, without due cause. There is NO valid contract, and said XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT have also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX XXXX without my prior, written consent. 

The XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX, are obviously trying to do harm to Me, the Living Soul Woman, XXXX XXXX of the family XXXX by XXXX, force of threat, force of contract, payment of fictitious debt, etc. to steal Me, XXXX XXXX XXXX, property at Non-Commercial, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Georgia, and any and/or all possessions of Me, the Living Soul Woman, XXXX XXXX XXXXXXXX. 

Where there is NO CONTRACT, there is NO CASE ( see Erie Railroad Co. v. Tompkins, 1938 ). If there is any assumed CONTRACT and/or CONTRACTS with any and/or all XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT., XXXX XXXX XXXX XXXX  XXXX between Affiant, Me, XXXX XXXX of the family XXXX, a living soul and Woman, I hereby rescind, decline, revoke any my signature on any and all said contracts, and they are hereby NULL and VOID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. 

I recently received a copy of my XXXX XXXX and Transunion credit report and I noticed some late payments posted on my credit report. 

Account Name : XXXXXXXX XXXX XXXX XXXX  : XXXX Your company is in clear violation of the law XXXX15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to report this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. 

I recently received a copy of my XXXX XXXX and XXXX credit report and I noticed some late payments posted on my credit report. 

Account Name : DISCOVERY BANK ACCOUNT NUMBER : XXXX Your company is in clear violation of the law .15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to report this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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 have attempted to correct this issue with the credit agencies for the pass two years. Each of these companies continue to report inaccurate information that are part of an identity theft. I want the inaccurate information removed promptly according to federal law 15 usc 1681 611 ( 5 ) ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BILL.COM, LLC
State: TX

Complaint narrative:
We were using Bill.com for bill payments. In XX/XX/2023, we issued two payments to two vendors, one payment for {$3000.00} and the other for {$2000.00}. One payment went through to one vendor and the other payment was voided. Bill.com debited our bank for both transactions ( totaling {$5000.00} ). They never refunded us the {$2000.00} for the voided transaction to the second vendor. Bill.com is playing a lot of games with us in order to avoid refunding the money, including offering to send us a DVD of the transaction history ( even though it was all confirmed ) since we have since closed our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S CODE 1692g - VALIDATION OF DEBTS.

15 U.S CODE 1681I PROCEDURE IN CASE OF DESPUTE ACCURACY. 
XXXX & XXXX XXXX EXPERIAN DID VIOLATE MY CONSUMER RIGHTS BASE ON XXXX FCRA DECLINING TO RESPOND TO ME REGARDING THE VALIDATION OF THE DEBTS AND INACCURATE REPORTING FOR THE FOLLOWING ACCOUNTS. 
XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX  ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX XXXX # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY.

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 2023-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I would like to give you my opinion after 2+ years of experience in contact with Wells Fargo Customer service about the same issue that never resolved yet.

This complaint is about THE WELLS FARGO CUSTOMER SERVICE.

I was told in writing buy Wells Fargo So calle
d ECMO ( EXECUTIVE COMPLAINT MANAGEMENT OFFICE ) that Wells Fargo has no email or website for online complaints and has no managers or supervisors. Customers like me find no REAL Wells Fargo site to complain but here. So here we are. 
Wells Fargo has no real customer service like before anymore, Wells Fargo seems to have a contract with a company called ECMO. ( EXECUTIVE COMPLAINT MANAGEMENT OFFICE ) which IS NOT Wells Fargo Bank, to answer the complaints of the customers without any supervision or management by Wells Fargo.

The employees of this company ENTERPRISE COMPLAINTS MANAGEMENT OFFICE are called ECMOs. They are working from the comfort of their homes without any supervision and their computers are unsecured by Wells Fargo which make it UNSAFE for the customer 's information, anyone who has access to their homes will have access to their computers and then will have access to our accounts.

Those ECMOs do not seems to be able to investigate the complaints and not able to provide resolution, all thy can do is copy and paste standard answers and deliver it to the customers with an apology that is not worse the paper that they print on it.

Those ECMOs makes it more interesting when they send you an answer for someone else 's complaint or when they sound drunk or sleepy in their answers. And I do not thing a professional people are answering the complaints, The responses to the complaints seem to have been answered by their family or friends or anyone else but not by professional bankers.

DOES ANY ONE TRUST THAT HIS BANK ACCOUNTS TO BE SCATTERED IN THE EMPLOYEE 'S RESIDENTS ALL OVER THE WORLD? 
What do you expect from this bank who does not even have an email address for their customer service in this 21th Century!

Bottom line, It seems that Wells Fargo DOES NOT have customer service department, they have a subcontractor, it seems Wells Fargo is going down soon, and the Wells Fargo management knows it, this is why they are not putting any effort in managing Wells Fargo, they are letting it go bankrupt

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 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They will not tell me when my case will be resolved. 

I spoke to a representative on XXXX, XX/XX/XXXX, XXXX XXXX  for over one hour. The associate said that they had the payment count information from my previous loan servicer, but they could not count them towards my total. It must go to a separate counting department. I asked for the length of time that would take to resolve, and he said he could not provide that information. I believe this should be resolved as soon as possible, since my case was first filed with Mohela in XX/XX/XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE Dealing with your lender or servicer Previously, they erroneously counted my qualifying payments. According to their website, every month has counted as qualifying for XXXX between XX/XX/XXXX and XX/XX/XXXX which is XXXX, however, they only list XXXX in my qualifying payments. Additionally, My consolidation loan was disbursed in XXXX, however no payments were counted prior to XX/XX/XXXX. All payments have been on time. 

I began employment at XXXX XXXX XXXX XXXX XX/XX/XXXX. All employment has been verified. I filed for TEPSLF in XX/XX/XXXX, was then transferred to Mohela. spoke 3 times to Mohela representatives who assured me the 36 months would be counted, but they were delayed in counting TEPSLF-compliant payments. I ask the 36 months to be counted as verified which brings my count to XXXX qualifying payments for the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Formal Appeal Notification your request has been denied. 

Carrington Mortgage encouraged me to contact you.

First, Carrington Mortgage attempts to defraud a retired veterans with service connected mental health issues with deceptive practices. it was proven. I still have that illegal contract. I reported Carrington to to the CFPB, the XXXX XXXX, the Florida XXXX XXXX, HUD, numerous agencies and attorneys. 

Carrington Mortgage was enforced to comply with XXXX and XXXX XXXX. Unlike the first illegal contract. It took over a year to complete a contract that I agreed upon with VA support/Promissory Note. I signed it. However, Florida XXXX XXXX dictates that both spouse 's MUST sign the contract. My wife filed for divorce only days after I received that contract. My spouse doesn't want to sign a quit claim deed. She wants to liquidate the house according to her petition for divorce. 

Carrington Mortgage negated that contract after I pleaded and made a payment in good faith. I submitted numbers applications with my final statements. Only XXXX were approved using the same financial statements. I was not employed and in all those applications, I submitted my retirement and XXXX. The second contract was approved with my pay had never changed. 

Notwithstanding the current market, inflation and soaring percentage rates, now Carrington Mortgage can come with a new legal way to XXXX me out of my home. This is literally about my first home I have sworn to keep, not to sell or liquidate. I bought it for {$250000.00} the market price is nearly {$500000.00}. It's a great profit to ensure a veterans with XXXX, that suppose to be protected under the XXXX goes homeless. That is the bottom line. 

Therefore, you XXXX me, I XXXX you back. 
HUD, the VA, Florida XXXX court and XXXX 's concerned with get this grievance. 

After all I been through to protect this sorry XXXX country, this is it for me. When I finally realized that I have lost this battle to domestic terrorism, I AM GOING TO DOUSE XXXX Shady XXXX XXXX, XXXX, FL XXXX WITH GASOLINE AND BURN THIS XXXX DOWN. 

Carrington Mortgage has heard my recorded conversations. I have been declared INCOMPETENT with anti-social disorders by the VA, It doesn't matter to me if I get away with it or not. Spare me the legalities of the crime committed. 

I really don't give a XXXX. Don't call me, I will not answer. XXXX you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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