vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-25 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: NJ

Complaint narrative:
I have a student loans from XXXX unfortunately i have a XXXX  XXXX and therefore my student loans was discharged by bank, i have received from XXXX XXXX  a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( Transunion, XXXX  and XXXX  ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was XXXX XXXXe balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.

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 2021-07-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a student loans from XXXX unfortunately i have a XXXX  XXXX and therefore my student loans was discharged by bank, i have received from XXXX XXXX a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX, Equifax and XXXX  ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: HI

Complaint narrative:
XX/XX/ I retired and moved to another state. XXXX XXXX XXXX XXXX  charged me {$150.00} for the cancellation of the service. I tried to resolve this with XXXX XXXX XXXX XXXX XXXX Retention Department, but it insisted the charge for cancellation is righteous. I was told that if I had requested a transfer of service and that there was no XXXX XXXX  service in XXXX that they would have waived the {$150.00}. I was never informed of that option when notifying XXXX XXXX of cancellation. 

I have been a customer of XXXX XXXX XXXX XXXX XXXX for 10-15 years ( lost count ). It is claimed that the cancellation fee was for termination of a contract seven months before the two-year contract was fulfilled. How is it possible for a company to declare a two year contract when I/we 've been satisfied, if not loyal, customers for a decade or more? They said because we received new equipment 18 months ago. ( That is true in that the equipment we had failed, and their repairman said we needed another one. So apparently that made us a " new customer '' that had to maintain service for another two years. ) All equipment was returned to XXXX XXXX and acknowledged by them as such. 

We did not end service because of a better offer from another cable company. I retired and moved to an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX where acquiring XXXX XXXX would have been difficult if not a nuisance. XXXX XXXX captured $ XXXX dollars of that/ $ XXXXcancellation fee by absorbing credits we were given for terminating two other bundled services. We are refusing to pay the additional {$80.00} as this constitutes extortion and unjust levying of charges -- for what? non-loyalty?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
Last year on XX/XX/XXXX of 2020 I went to XXXX 'XXXX XXXX  XXXX to purchase a new vehicle they unauthorizingly ran my credit report through four different bureaus to find me rates on my new vehicle purchase I did not authorize them in any way shape or form by signature electronic signature verbal or otherwise to run my credit through more than ally financial They persisted to run it through four different bureaus without my consent and that's against the Fair credit reporting act and against state and federal law. 
1. XXXX XXXX XXXX 2. XXXX  XXXX XXXX. XXXX XXXX XXXX 4. Duplicate for XXXX XXXX XXXX XXXX XXXX XXXX  dated XXXX is valid. 
I have disputed this with the company itself with no response from them I took it upon myself to call each of the credit bureau is finally and have this process and the proper way to where I'm filing police reports and sending each credit bureau authorized documentation showing that I did not authorize these illegal credit pulls.

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
Last year on XX/XX/XXXX of 2020 I went to XXXX XXXX XXXX XXXX to purchase a new vehicle they unauthorizingly ran my credit report through four different bureaus to find me rates on my new vehicle purchase I did not authorize them in any way shape or form by signature electronic signature verbal or otherwise to run my credit through more than ally financial They persisted to run it through four different bureaus without my consent and that's against the Fair credit reporting act and against state and federal law. 
1. XXXX XXXX XXXX 2. XXXX  XXXX 3. XXXX XXXX XXXX 4. Duplicate for XXXX XXXX XXXX The XXXX XXXX  dated XXXX is valid. 
I have disputed this with the company itself with no response from them I took it upon myself to call each of the credit bureau is finally and have this process and the proper way to where I'm filing police reports and sending each credit bureau authorized documentation showing that I did not authorize these illegal credit pulls.

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 2021-07-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

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 2021-07-25 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: GA

Complaint narrative:
XX/XX/2021, I requested Trans Union, by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, and XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/2021, to please send me copies of the documents that they have in your files as of this date that you used to verify the accuracy of certain accounts they are reporting on my credit report. 
I informed them that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their files, at the time of this request, concerning the above accounts that they are reporting in my credit report. 
I requested that they please do not respond to my request by saying that these accounts have been verified, instead, please send me copies of the documents that they have in their files that were used to verify them. 
As of this date, more than 30 days have passed and they have failed to comply.

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 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vengroff Williams, Inc
State: TX

Complaint narrative:
My work company XXXX did a BIG MISTAKE by putting me on the wrong system, and send me wrong paychecks Amounts. After I compliant they discovered THEIR MISTAKE, they sent me an official e-mail that they Will NOT ( NOT ) be collecting the overpayment. 

Then I surprised that XXXX 's XXXX XXXX XXXX XXXX Called " The XXXX XXXX XXXX '' asking me for this amount back through Collection Company Called " Vengroff Williams Inc. '' Contact Person : XXXX XXXX of US {$320.00}, letter issued dated on XX/XX/2021 Although, While I asked this lady XXXX XXXX from the collection company over the phone call conversation dated on XX/XX/2021, Do you have any Invoices or any documents for this amount? 
She answered : NO ( NO ), It's just some information sent to us. That is a Fraud.

So, I informed her that is illegal to ask anyone for a collection amount while you don't have any prove or any documents ... but she ignored my words and sent to me TWO letters asking me for this amount of : US {$320.00} from " THE XXXX # XXXX ''. 
I received those two letters in the same time : One issued dated on XX/XX/2021 ( before even contact me to inform me that she has NOT any documents for this amount, It's JUST Information '', The other one issued dated on XX/XX/2021 XXXX next day of phone call ) with document from XXXX XXXX company The XXXX Evidences : Please find attached : 1. Official e-mail from XXXX stated that they will NOT collect this error overpayments. 
2. Letter from collection company " Vengroff Williams Inc. '' sent it WITHOUT Support documents. 
3. Phone call from " Vengroff Williams Inc. '' dated on XX/XX/2021 @ XXXX from Phone # : XXXX Outcome : Please disputed this FAKE amount of US {$320.00} as soon as possible and I want the CFPB to publish this description on Consumerfinance.gov so that others can learn from my experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On Tuesday XX/XX/21 at XXXX XXXX  I received a balance alert for my Wells Fargo checking account. I looked at my account and saw that my debit card had a fraudulent charge of {$100.00} paid to XXXX XXXX. I immediately reported the fraudulent charge and cancelled my debit card. While waiting for my claim to be investigated I chose to move my money into my personal savings account for security. 
On XX/XX/21 I went to the drive through at the Wells Fargo in XXXX WA, XXXX to withdraw cash from my savings account using my state issued Driver License. After waiting several minutes the teller informed me that she had given my ID to someone in another vehicle by mistake. I immediately went into the lobby to speak to the branch Manager. The Manager, XXXX, did not seem too concerned that her employee had given my personal identification to an unidentified person. 
I find this to be a gross breach of security at an institution that is supposed to protect finances and identity. 
I am currently still waiting for my fraudulent debit charge to be refunded and then will completely close my accounts with Wells Fargo.

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 2021-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I provided Great Lakes CEO with Notorized Affadavit that I am denying the loan and I refuse to pay. I have evidence as a consumer of Cease and Desist letter that have been ignored. 
I have itemized over XXXX violations to Great Lakes the debt collector. 
I have received a receipt they have received my request and they have refused to comply with the Federal Laws 15 USC 1692 A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Wrote letter for VALIDATION not VERIFICATION no response more than 30 days

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 2021-07-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

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 2021-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, the problem I have is that the Coinbase ( Coinbase Inc. - XXXX XXXX XXXX. ) company has blocked my account for no apparent reason, I have been trying to unblock my account for almost 6 months, and constantly the application asks me to send my ID, I sent it but the account after verifying the document and accept it, automatically, it is locked again. I have written more than 50 emails and tickets and there is no way they will respond to me. It is an account with a lot of money, about XXXX USD, I deposited a smaller amount but the rise of cryptocurrencies made me have more capital, which I want to withdraw but it is IMPOSSIBLE, they do not let me do anything with the account, or withdraw my cryptocurrencies, or exchange them, nothing. My account is XXXX and I have been a user since 2019 or even earlier.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2021, I requested XXXX XXXX, by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, Equifax by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, and XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/2021, to please send me copies of the documents that they have in your files as of this date that you used to verify the accuracy of certain accounts they are reporting on my credit report. 
I informed them that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their files, at the time of this request, concerning the above accounts that they are reporting in my credit report. 
I requested that they please do not respond to my request by saying that these accounts have been verified, instead, please send me copies of the documents that they have in their files that were used to verify them. 
As of this date, more than 30 days have passed and they have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: GA

Complaint narrative:
XX/XX/2021, I requested XXXX XXXX, by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, and Experian by Certified US Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/2021, to please send me copies of the documents that they have in your files as of this date that you used to verify the accuracy of certain accounts they are reporting on my credit report. 
I informed them that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their files, at the time of this request, concerning the above accounts that they are reporting in my credit report. 
I requested that they please do not respond to my request by saying that these accounts have been verified, instead, please send me copies of the documents that they have in their files that were used to verify them. 
As of this date, more than 30 days have passed and they have failed to comply.

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 2021-07-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I wrote the company multiple times and the matter as not been resolved. They stated the information was verified but it couldnt have been because its not accurate and I have no knowledge of those accounts or inquiries.

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