vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-01 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: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Land Collections, Inc.
State: WA

Complaint narrative:
I am asking for proof of debt but collection agency is unable and unwilling to send proof of debt. I never received a bill from original creditor. When talking with original creditor they no longer had my information on file. I am needing proof of the actual debt and what and why Im being charged

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 2022-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
When I pulled my consumer report, I seen that Wakefield & Associates reported numerous items in the total amount of {$58000.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge XXXX XXXX XXXX to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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 — Investigation took more than 30 days
Company: FactorTrust, Inc.
State: MI

Complaint narrative:
This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX complaint. I am maintaining detailed records of all my correspondence with you. 

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. 

As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. 

Please remove this error from my credit report as soon as possible. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion lowered my credit score by XXXX points just due to one credit card 's balance increased by {$170.00}. They raised it by XXXX point weeks ago when another balance decreased by {$300.00}. It's not fair, it's an abuse of power and I want this to be taken seriously!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
On XX/XX/XXXX, I noticed that University Accounting Services ( UAS ) was charging interest on my Federal Student Perkins loan throughout XXXX, but stopped in XXXX. I reached out to them to get it corrected. I followed up on XX/XX/XXXX and XX/XX/XXXX and have never heard back from them. They did, however, immediately start charging me interest again starting in XX/XX/XXXX. The only thing that has come out of me contacting UAS for help was they starting charging me interest again. 

I need to pay this loan off an University Accounting Services fraudulently charging me more than {$400.00} in interest, plus ignoring my repeated requests for assistance, has caused me not to pay off this loan yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
XX/XX/15 the amount is {$1100.00}. I sent a validation letter to verify that the services I received along with a letter verifying that I wanted my information to be released to another company or creditors. And I was contacted through mail of a creditor bill but not the letter that I allegedly signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
When I pulled my consumer report, I seen that Enhanced Recovery Company reported an account for the amount of {$170.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never entered into a contract agreement with this organization and I challenge Enhanced Recovery Company to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # 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 2022-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I've wrote Honda Financial XX/XX/2021 and XX/XX/2021 to resolve the matter regarding my vehicle due to the pandemic which has been extremely hard to keep up. I've wrote them a letter requesting my original contract to pay off my vehicle and I was told by representative that my contract was shredded on XX/XX/2021. I was never given notice about my contract being non-existent. I'm paying them with no contract on file which is fraud and against my consumer rights. I've been contacted by phone numerous times regarding to pay them. I also have received several mail pieces to pay them without my contract. I have taken every avenue to resolve this matter. They have disregarded my privacy several times even after asking them not to. I owe them nothing with a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
A debt Validation letter was sent to the company on XX/XX/2021 and was received by the company on XXXX.No response has been sent back to the consumer. The creditor also has not notified the credit bureaus that the debt is being disputed. This debt is unfamiliar and needs to be cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
When I pulled my consumer report, I seen that Paramount Recovery reported an account in the amount of {$2700.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge Paramount Recovery to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.

Complaint narrative:
Good afternoon, I made a money order on XX/XX/XXXX for XXXX euros for the worldremit company, this money order was never received by the right person and after asking so much for the money to be returned without they do not. Call today to ask about this case and although on XX/XX/XXXX they said that they would return it to me, today they tell me that they still do not know what will happen with my money, please I need your collaboration. I pass all the money order data and captures of the conversations that I have had with worldremit by email and the conversations via chat with XXXX, the receiving company. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I XXXX XXXX NOTICE THAT I HAVE AN INQUIRE ON MY CREDIT REPORT FROM VICTORIA SECERT THAT I DID NOT AUTHORIZE I AM A MALE AND NOT SEEKING A VICTORIA CREDIT CARD PLEASE DELETE/REMOVE FROM MY CREDIT REPORT THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Sometime in XX/XX/XXXX, I applied for a Direct Loan Consolidation of my two FFEL consolidated subsidized and unsubsidized loans that were held and serviced by XXXX. The subsidized Federal Consolidation Loan principal total = {$40000.00}. The unsubsidized Federal Consolidation Loan principal total = {$43000.00}. The total Loan Payoff Amount : {$84000.00}. ( see attached Verfication Certificate Detail ). I have been told by XXXX, that they do not have my Direct Loan Consolidation Application and Promissory note from XXXX. I was told by XXXX that I would need to contact my current servicer to obtain the Direct Loan Consolidation Application and Promissory Note. I contacted my current servicer Nelnet and they said my current file has not been fully updated because it was recently transferred from XXXX. I have contacted XXXX XXXX XXXX, XXXX as well as XXXX and none of them have been able to supply me with my Federal Direct Loan Consolidation and XXXX XXXX from XX/XX/XXXX. 

Sometime in XX/XX/XXXX, I signed off on a Federal Direct Loan Consolidation with the Dept of Ed via XXXX XXXX XXXX XXXX or XXXX XXXX ( see attached Direct Loans Consolidation Loan Verification Certificate ). According to my XXXX data and the Direct Loans Consolidation Loan Verfication Certificate authenticated by DOE official, XXXX XXXX on XX/XX/XXXX, the Direct Loan consolidation disbursement date was XX/XX/XXXX and Anticipated Actual Completion Date was XX/XX/XXXX. Per XXXX, In Repayment started on the Direct Loan Consolidation on XX/XX/XXXX. 

On XX/XX/XXXX, I received from XXXX, the Lender Verification Certificate for the Direct Loan Consolidation confirming that I had infact requested a Direct Loan Consolidation in XX/XX/XXXX. ( see attached XXXX document )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER BANK WAS PIUD AND IT WAS SUPPOSED TO BE DELETED OFF MY CREDIT REPORT PLEASE REMOVE ITS SHOWING A BALANCE I DONT OWE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER BANK WAS XXXX AND IT WAS SUPPOSED TO BE DELETED OFF MY CREDIT REPORT PLEASE REMOVE ITS SHOWING A BALANCE I DONT OWE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX and XXXX I contacted Wells Fargo banks credit card services fraud and disputes department and filed a fraud claim with them ; my credit card limit was {$11000.00} and then someone stole my identity and compromised my Wells Fargo credit card. When I contacted Wells Fargos credit card fraud department to file a fraud claim, I was advised that the claim had been filed and that I would not be responsible for any fraudulent changes made to my credit card. Wells Fargos negligence in NOT opening a fraud claim or Putting a complete stop on the credit card has resulted in Wells Fargo filing a collection law suit against me and without me knowing. In late XXXX Wells Fargo bank went to court and requested from the XXXX XXXX county superior court in California that the court favors Wells Fargo bank and file a judgement against me for money that I did NOT owe Wells Fargo bank. My credit limit was {$11000.00} and because Wells Fargo did not file my fraud claim and identity theft claim properly ; the person or persons who had access to my Wells Fargo credit card had fraudulently charged over {$30000.00} in fraudulent charges. On XX/XX/XXXX I received a letter from my employer that Wells Fargo bank had a wage garnishment and a levy on my wages. Since XX/XX/XXXX Wells Fargo has been deducting money from my biweekly wages and has had a wage garnishment order to withhold funds from my paychecks. This has caused me severe financial problems and has put me and my family in a situation to where we could barely eat or have a place to live. I have filed a claim of Exemption but it was denied by the court because Wells Fargos counsel of record had lied and continues to lie to the court that I was responsible for those fraudulent charges. I am planning on filing a motion to vacate the judgement and provide the court with ALL the physical evidence that I have showing and proving that I contacted Wells Fargo over two years ago regarding the fraudulent charges. How can Wells Fargo allow someone other then myself to make those fraudulent charges and allow the credit limit to keep going beyond the LIMIT of {$11000.00} that I had. Wells Fargo has also since sent me two settlement checks because of deceptive law practices and also allowing other individuals to apply for a checking account, savings account and a credit card account without my knowledge. I am requesting that this agency publish this for the world to see. If Wells Fargo does not cease all collection and wage garnishments from me, I will post this to every social media Platform to expose Wells Fargo and notify everyone of theirs unlawful business and collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: MI

Complaint narrative:
I have never given written consent to furnish a consumer report on my behalf. this is a violation of federal law. pursuant to 15 usc 1681b ( a ) ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX  complaint. I am maintaining detailed records of all my correspondence with you. 

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. 

As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. 

Please remove this error from my credit report as soon as possible. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 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 — Investigation took more than 30 days
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX  complaint. I am maintaining detailed records of all my correspondence with you. 

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. 

As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. 

Please remove this error from my credit report as soon as possible. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: MI

Complaint narrative:
I the natural person and consumer have never given written instructions to TransUnion to furnish a consumer report on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I, the consumer am aware and have proof that BANK OF AMERICA has and continues to violate my consumer rights. I have observed at least 9 violations pursuant 15 USC 1693f. BANK OF AMERICA received a Cease and Desist in reference to this matter XX/XX/2021. They have failed to provide results of the investigation and its findings used to determine actions of withholding the consumers funds in a reported electronic transfer error since XX/XX/2021 ; notice of the right to request reproductions ; mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur ; or returning the funds as directed by the consumer. BOA has and continues to violate consumer pursuant to 15 USC 1693 f. As a result to their gross, negligent and willful behavior, I have been injured numerous times.

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 2022-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ON XX/XX/2021 A INQUIRY WAS MADE ON MY CREDIT REPORT FROM CAPITAL ONE I DID NOT AUTHORIZE THIS TRANSACTION AND IT NEEDS TO BE REMOVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America needs to let me resolve the fees on 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