vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
To Whom It May Concern : Im responding to your letter. This is the first piece of correspondence Ive received from you on this matter. 

I believe I do not owe your firm what you say I owe, and I request that you please provide me with the following : tell me what I owe money for illustrate how your firm calculated the total amount in question. 
provide me with any copies of signed documents showing that I agreed to pay what you firm claims I owe. 
show me that you are licensed in my state, and give me your license number. 
stop contacting me about this matter, or any other you have, except to provide me with proof that I owe what you say I owe. 

I request that the company that you say I owe money to be sent a copy of this dispute, so that they do not report this on my credit report. I further expect that if you already reported me to a credit bureau, you notify them that I have not and do not agree with this debt in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$12000.00} -This is not 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 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom it May Concern, On XX/XX/XXXX, I paid a local branch of Wells Fargo locates at ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in order to request a copy of the last two months of my bank statements. They charged me {$25.00} for the transaction. I asked to pay for the transaction via my credit card, debit card, or a deduction from my checking account with them. They refused. They insisted that I pay by cash. This felt discriminatory to me, as all the other proposed means paying for the transaction were valid, and cash need not be the only accepted form of payment. 
I also feel that in this time of the COVID pandemic, when libraries and other businesses that could have provided access to a printer were closed, and I had no way to print out my bank statements, even if I were able to access my bank statements on-line. They should have been more considerate and provided me with the copies of 2 months worth of bank statements, which were not excessive in number for free. I requested that they waive the fee that I paid. They looked at the record of the transaction in their computers and could find none, precisely because they asked for a cash payment. I am seeking some redress of this matter, at the very least, a refund of the {$25.00} fee I was charged. I appreciate you assisting me with my request and thank you for your prompt attention. 

Sincerely, 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 2020-08-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
To Whom It May Concern : Im responding to your letter. This is the first piece of correspondence Ive received from you on this matter. 

I believe I do not owe your firm what you say I owe, and I request that you please provide me with the following : tell me what I owe money for illustrate how your firm calculated the total amount in question. 
provide me with any copies of signed documents showing that I agreed to pay what you firm claims I owe. 
show me that you are licensed in GA, and give me your license number. 
stop contacting me about this matter, or any other you have, except to provide me with proof that I owe what you say I owe. 

I request that the company that you say I owe money to be sent a copy of this dispute, so that they do not report this on my credit report. I further expect that if you already reported me to a credit bureau, you notify them that I have not and do not agree with this debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
A certified letter was mailed to LVNV Funding, LLC on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by LVNV Funding, LLC on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC
State: TX

Complaint narrative:
A certified letter was mailed to Healthcare Collections on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by Healthcare Collections on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.

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 2020-08-13 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: Westlake Services, LLC
State: NJ

Complaint narrative:
I have a loan with WESTERN FUND, WESTERN FUNDING INC,  and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WESTERN FUND, WESTERN FUNDING INC, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.

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 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
A certified letter was mailed to Credence Resource Management on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by Credence Resource Management on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Capital Services, Inc.
State: OH

Complaint narrative:
Creditor Name : XXXX XXXX XXXX XXXX XXXX 
Unpaid XXXX Credit Card Balance was {$650.00} and paid over 6 months. 
Paid {$100.00} XX/XX/XXXX Paid {$100.00} XX/XX/XXXX Paid {$110.00} XX/XX/XXXX Paid {$120.00} XXXX Paid {$100.00} XX/XX/XXXX Paid {$100.00} XX/XX/XXXX Final payment date. 

XXXX Acct # XXXX This company is showing that I still have a balance of {$100.00}. They were contacted and sent me a letter stating it was paid in full, but have Not updated my report as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
A certified letter was mailed to Credit Systems International on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX still has not been received by Credit Systems International as it is still showing in transit even though it was mailed from XXXX XXXX, Texas and being delivered to XXXX XXXX, Texas. The address that is located on the credit report is the same address that is listed on the certified receipt ; therefore, unsure of why the package has not been delivered. Regardless, I need documentation to support that this debt belongs to me as I had no prior knowledge of this debt prior to receiving my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$12000.00} -This is not 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 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH

Complaint narrative:
DRS sued me in XXXX XXXX Ohio for alleged unpaid medical debts. I had repeatedly told them that I had XXXX on the dates of service SIX years ago and they kept telling me I did not. I also told them that one of the dates of service would have been covered by XXXX. I was never served papers, the docket shows that they attempted to send a certified notice to me, however I did not live at that address at that time. The docket shows that it was simply sent via regular mail to my then ex boyfriends house. I never got it. However we reconciled and I did receive the request for summary judgement and I promptly answered it, and provided DRS with all of the billing information that they should have needed for the dates of service. The hospital already knew I had coverage in XXXX so this year was not provided to DRS, however my XXXX  information was provided to them. I hand delivered to DRS a letter showing that I had coverage for the entire year of XXXX under XXXX thus clearing myself of any debt, the debts that DRS has placed on my credit. I delivered this to them on XX/XX/XXXX. When I called the next day and spoke to XXXX XXXX, she told me the accounts will not be removed from my credit until meidicaid pays the bills. It does not matter if medicaid actually EVER pays these bills, the hospital is not legally allowed to bill me in the first place because I have/had medicaid. XXXX is holding my credit XXXX!! I have proven that I do not owe these debts, XXXX KNOWS I do not owe the debts they have on my credit and have refused to remove them!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: NY

Complaint narrative:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 and XX/XX/2020 I wrote Experian they failed to reply within 45 days to verify these inaccurate accounts. Please delete and block these negative accounts from my credit report, they are causing serious harm.

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 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2020, Wells Fargo adjusted my credit card balance of {$8500.00} to {$0.00} for no apparent reason. Then, on XX/XX/2020, they returned that same balance, again, with no explanation. As a result, the system automatically assessed me a balance transfer fee of {$250.00}. 

I believe this did not happen by accident. What I suspect is that Wells Fargo is deliberately processing such transaction in order to charge their credit card customers and collect fraudulent fees.

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 2020-08-13 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: AZ

Complaint narrative:
Because of covid-19 my 50th wedding anniversary cruise was cancelled resulting in a credit of {$7600.00} on my credit card. For almost a month I have been attempting to get that credit transferred to my bank account with any success. I have called the customer service department at least four times.  Each time I am told that the money will transfer in 6 to 10 days and yet no action is taken to accomplish this. 

I pay off my credit card bill each month and I have never been late. There is absolutely no reason why CITI has not refunded my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not 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 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a copy of my credit report where I noticed a fraud alert and security freeze I contacted the credit bureau to have this removed I was told to submit request in writing which I did however Experian did not removed the alert instead they sent me a letter stating they could not remove I follow all guideslines provided written request drivers license copy bearing address ( physical address ) bank statements showing my P.O. Box ( mailing address ) and a copy of my social security card. 
In addition I also requested to have the bankruptcy showing on my file deleted as this is not my bankruptcy the bureau responded that they had verified the account however I asked them to validate the information ... XXXXthey then responded verified again stating XXXX XXXX as they source and I disputed that do they come back saying US Bankruptcy Courts verified i contacted the US Bankruptcy court and have enclosed a letter where the courts stated they DO NOT and HAVE Not verified this information I also contact XXXX XXXX who also stated they have no record or file matching my information According to the FCRA 623 ( a ) ( 5 ) If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The county recorder of feeds and the bankruptcy courts have both emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records I have enclosed the documents from both the courts and XXXX XXXX  A copy of my ID Proof of address And proof of 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 explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I contacted the bank to inform them of an item that was purchased on my from my bank card for {$7200.00} from XXXX XXXX store bank in XX/XX/2020. I have not received the sofa from the XXXX It had taken so long, I decided to cancel and get a return from the store for the XXXX The store said they would not refund the money even thought the return policy said I had seven months on a return policy. At this point I don't have the sofa or my XXXX dollars I paid for the sofa. In addition, the sofa displayed on XXXX XXXX 's web sight was supposedly restored completely, but the pictures that was email to me of the sofa, was a used sofa. The sofa is used, It was miss-represented.

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 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Applied for the XXXX credit card with American Express. Denied by the new accounts team since I do not have enough US credit history. Used XXXX XXXX  to apply since I do not have Social Security Number. XXXX XXXX used XXXX XXXX to check my credit file. When contacted call center and spoke to the agent, was told that I do not have a US FICO score that is why they denied my application. I want to start building credit in the US. They should have reconsidered my credit card application. No consideration at all. This is completely unfair.

Company response to consumer: Closed with explanation