vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was contacted on XX/XX/XXXX @ XXXX XXXX EST by the XXXX XXXX XXXX. When they contacted me I was told to redial the phone number which I did and then I began talking to the case manager about an alleged debt that my wife owed. I called my wife and continued with a 3 way call with the debt collector. It was told to us that there was a pending civil action that would commence if we weren't able to resolve this debt. The alleged debt was to XXXX/Wells Fargo Bank in the amount of a little over {$300.00}. We were shocked because we have never had an account with XXXX/Wells Fargo bank at all. We were told the account was opened on XX/XX/XXXX and closed was charged off some time in XXXX. It was suggested that we take a letter which was sent to my wife 's email address to the bank in order to verify the debt and gather more details. I did exactly that on XX/XX/XXXX and in addition to that I also called both the corporate phone number for overdraft and recoveries and the customer service department. The account number given by XXXX XXXX XXXX could not be verified by the bank at any of the 3 locations I tried to get it verified at. The representative could not find the account number nor did they have any record of my wife 's social security number ever being associated with any account past or present. I then called the XXXX XXXX XXXX back to inform them of my findings and ask them for proof of this debt. and the representative I spoke with said that they would proceed with making marks within the XXXX XXXX as well as sending this notice of debt to the Credit Reporting Agencies. After a little research on this company I found that there are 13 complaints to the XXXX for exactly the same situation just different amounts of money. I believe this company is fraudulently trying to collect on debts that don't exist.

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XXXX from XX/XX/XXXX-XX/XX/XXXX I have continuously disputed the debt with University XXXX XXXX with all 3 bureaus I also contacted University XXXX XXXX I was on financial aid I have continually asked for documentation of the debt they can not provide anything proving this is my debt I have not received any documentation from the bureaus how the debt was verified who and how their investigation could possibly come back as verified please assist me with assistance with getting this debt 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 explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XXXX from XX/XX/XXXX-XX/XX/XXXX I have continuously disputed the debt with University XXXX XXXX with all 3 bureaus I also contacted University XXXX XXXX I was on financial aid I have continually asked for documentation of the debt they can not provide anything proving this is my debt I have not received any documentation from the bureaus how the debt was verified who and how their investigation could possibly come back as verified please assist me with assistance with getting this debt 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 explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I keep getting told that I will received a reinvestigation if my dispute of XXXX XXXX from Transunion but they have not and wont reinvestigate like Ive told they will and have not been helped in trying to resolve my issue.

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 2018-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MiraMed Revenue Group LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX hired MiraMed Revenue Group, LLC to collect a {$57.00} debt for my young daughter rather than contacting us directly. This week MiraMed has contacted relatives of ours using a robodialer and left personal account information for my daughter on their voicemail. The automated message indicated that the person listening should hang up if they are not the parents because it contains " personal and private '' information ( I do have this recording saved ). The message continued to provide the private information on the voicemail without a prompt for consent ( for example, pressing a key to continue ). ANYONE is able to enter the reference number they provided on MiraMed 's website, mmrgpayment.com, to easily access account information with my childs name, address, debt amount, and medical creditor information. It's like openly handing out a password! Hopefully MiraMed did not contact any other third parties and provide private information about my family because it would be just as easy for them to access this private data. This goes against the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ) as they should not be disclosing private information to third parties. Additionally, I have not yet received any written notification regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have filed all of the necessary paperwork to have accounts removed from my credit report that do not belong to me. Equifax has failed to respond to my request and investigate these accounts. This is killing my ability to buy anything at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I'm filing a complaint against Equifax and XXXX  regarding my credit report. Both companies have failed to provide any proof that I gave these lenders promission to pull my credit. I never gave these companies any consent to inquiry my credit report. There was a hard pull from XXXX XXXX XXXX  on XX/XX/2017 and another hard pull from XXXX XXXX on XX/XX/2017. I need a signed application stating that I authorized these inquiries. If the credit companies can't provide these signed documents, please have these two hard pulls removed from my credit report. 
XXXX  file # XXXX and Equifax file # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom it may concern : I have spent the year trying to fix the inaccurate, incomplete, and unverifiable errors within my account from Experian. I have called them and told them personal to fix the issue but has not. I have recently send them mails asking to fix the issue. Still no change. The credit bureaus must obey many laws, including the fair credit reporting act ( FCRA ). And according to the FCRA, an item on your report MUST be removed if it is any of the following : I am writing this so Experian, XXXX, XXXX  can update/correct my personal information on file with their company. 

Please updated my address to : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please updated my name to : XXXX XXXX My only social security number is : XXXX My only and corrects date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX I do not wish to have any telephone number on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA since they are inaccurate.

Due to this issue of inaccurate information within my account from experian : It has damaged my personal credit score. Accumulated hard inquiries due to inaccurate account info from Experian. Has provided the wrong name to banks, companies, lenders, when applying for credit.This issue has wasted so much of my time and has effect my business to move forward. Lost time is never found. 

Also while checking my most recent report, i noticed credit inquires that i did not authorized, made by the following companies ; and they were also provided inaccurate, incomplete, and unverifiable information from Experian when checking my credit. 

Company and Inquiry date 1.XXXX/XXXX  & XX/XX/XXXX.

2.XXXX/XXXX  & XX/XX/XXXX 3.XXXX  XXXX  XXXX4 & XX/XX/XXXX 4.XXXX  XXXX  & XX/XX/XXXX 5.XXXX  XXXX  & XX/XX/XXXX 6.XXXX  XXXX  & XX/XX/XXXX 7.XXXX  & XX/XX/XXXX I did not authorized anyone employed by the these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 161b and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authoring an inquiry. In the absence of any such documentation bearing my signature, i formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. 

My contact information is as follows : XXXX XXXX email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ 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 non-monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
Patenaude & Felix A.P.C is attempting to collect a charge off account which is not mine. The debt was disputed with the alleged creditor XXXX bank all communication was ignored and they have since charged off the alleged account. Patenaude & Felix A.P.C are now sending scare tactic letters referring to a judgement. This is clear violation of my rights under the FDCPA. I have contact the credit buerus and issued fraud alerts as I have never conducted business with Patenaude & Felix A.P.C.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: GA

Complaint narrative:
Greetings, I have previously contacted Experian, XXXX, and XXXX informing the company that I have been a victim of identity theft/fraud. Experian, XXXX, and XXXX  are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Experian, XXXX, and XXXX  to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you

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 2018-12-04 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I have attached a copy of my ID and SS card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
I checked my XXXX  Credit Report and found that their is an account that does not belong to me from XXXX XXXX XXXX XXXX  with the Original owner being XXXX. It was reported on XX/XX/2018. The amount is {$410.00}.

I contacted the collection agency on XX/XX/2018 and the representative was rude and would not cooperate to confirm any information that I asked for. I was asked to verify my information and I was not giving them anything in case they were wrong. I was also hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: GA

Complaint narrative:
Greetings, I have previously contacted XXXX, TransUnion, and XXXX   informing the company that I have been a victim of identity theft/fraud. XXXX, TransUnion, and XXXX  are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, TransUnion, and XXXX  to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I have previously contacted XXXX, XXXX, and Equifax informing the company that I have been a victim of identity theft/fraud. XXXX, XXXX, and Equifax are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Equifax to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted Experian on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer 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 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo now has an overdraft policy where if your account drops below XXXX dollars, you have until the end of the same business day to deposit money to bring the account into thr positive without incurring overdraft fees. I received an email from Wells Fargo yesterday stating that my account had reaached XXXX dollars. I immediately transferred the balance ( plus {$6.00} ), from my joint account ( which is attached to that one ). Today I was notified that I had three overdraft charges because the funds hadnt posted yet. This seems like a manipulation of when specific transactions post, since there is no reason it should not have posted by now when the other transactions have. At {$35.00} each, the overdraft fees overdrafted my account again! I spoke with two customer service representatives at Wells Fargo- one who wasnt even aware of the grace period where you can deposit money into your account before the end of the business day. She offered me, at best, a courtesy of 50 % off of each overdraft fee, which she assured was the best they can do. I barely said I guess ... and then once she transferred me to a higher-up, he made it sound as though he could have had the fees reversed, but they were locked now because she put the 50 % courtesy on them. What courtesy is it to pay {$53.00} for overdrafts that I covered??? I thought Wells Fargo was sued over flaky overdraft tricks like this. Im a XXXX XXXX, and at certain times in the month my account balance is close to {$0.00}, but I am always cautious and transfer money into it immediately when I see its low. I believe Wells Fargo intentionally pushed through those three transactions before my deposits so that they could charge me three times. They should make this right and completely reverse the fees instead of pretending theyre doing me a courtesy by charging me for fake overdrafts.

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I have previously contacted Equifax, XXXX, and XXXX   informing the company that I have been a victim of identity theft/fraud. Equifax, XXXX, and XXXX  is deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX  to follow the law, they clearly feel as though the law does not apply to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04 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: TN

Complaint narrative:
I'm filing a complaint against XXXX  and TransUnion regarding my credit report. Both companies have failed to provide any proof that I gave these lenders promission to pull my credit. I never gave these companies any consent to inquiry my credit report. There was a hard pull from XXXX XXXX XXXX on XX/XX/2017 and another hard pull from XXXX XXXX on XX/XX/2017. I need a signed application stating that I authorized these inquiries. If the credit companies can't provide these signed documents, please have these two hard pulls removed from my credit report. 
TransUnion file # XXXX and XXXX file # 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