vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against Paramount Recovery for committing identity theft. I have never given ( Paramount Recovery ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( Paramount Recovery ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Paramount Recovery ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Paramount Recovery ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Paramount Recovery ) continues its collection efforts, I will file for litigation for actual damages caused and ( Paramount Recovery ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX XXXX I was a victim of a scam from my Wells Fargo credit card, savings and checking accounts. Wells Fargo XXXX refused to refund my losses of {$39000.00}. I have letters of false claims by the WF fraud department : They stated that " You successfully submitted a {$30000.00} transfer from my savings to my checking accounts on XX/XX/2021. I did not. 
They stated that " You successfully submitted a {$10000.00} cash advance in my credit card account on XXXX XXXX. I did not. The fraudster did both. 
In a letter to me dated XX/XX/2021 WF stated " On XXXX XXXX, there is a cash advance made for {$10000.00} but it was reversed and credited back to your account and we refunded the cash advance fee of {$500.00} from the {$10000.00} cash advance made. This never happened. This is also in a letter to me dated XX/XX/XXXX. 2021. 
The fraudster somehow got into my credit card and savings accounts to see if I had enough limit in my credit card account to order an illegal {$10000.00} cash advance and a {$30000.00} illegal transfer from my savings account, both to my checking account. Once he knew I had enough money in both accounts the scam began. 
Yes I ordered a {$39000.00} wire transfer to a bank in XXXX XXXX as ordered by the fraudster to get back my {$400.00} XXXX XXXX XXXX. The WF teller told my this would not be good until XX/XX/XXXX, XXXX was suspect of a scam and went back to the bank and told them to stop the transfer. They said they would let me know in 4-5 working days.

Also, I heard of a money scam in XXXX XXXX, California by a XXXX XXXXXXXX XXXX customer. Bank XXXX XXXX refunded all of the customers life savings from the scam. He was told to withdraw his full savings because XXXX XXXX XXXX was in trouble. He sent all of the money to a XXXX XXXX. It was not a XXXX XXXX it was the fraudster. This was an XXXX XXXX XXXX live report in XXXX XXXX seen by my daughter. Why can't Wells Fargo take care of my similar problem? 
The first two events that happened were : the fraudster somehow got into my WF bank to check on my funds and when he knew I had enough for the scam he did an unauthorized credit card cash advance for {$10000.00} and a savings account unauthorized transfer of {$30000.00}, both to my checking account. 

Thank you, 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 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have not receive any written notice in regards to this debt. I also dont every recall applying for anything in my personal name at the time given on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
On the XXXX of XXXX, I send XXXX usd from my XXXX account to XXXX. My XXXX  account shows that XXXX successfully received it, and XXXX customer service staff confirmed this. But XXXX claims the didn't, but doesn't even do any tracing with numbers provided to investigate the issue. I only get generic answers back. 

They say they could not receive a usd transfer as that account doesn't support it, and that's why they refuse to investigate. So even when I tell them that XXXX confirms a successful payout to XXXX, it falls on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( National Credit Adjusters ) for committing identity theft. I have never given ( National Credit Adjusters ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ( National Credit Adjusters ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( National Credit Adjusters ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( National Credit Adjusters ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( National Credit Adjusters ) continues its collection efforts, I will file for litigation for actual damages caused and ( National Credit Adjusters ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: FL

Complaint narrative:
Trans Union has violated the 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) Statue. Which I did not give them permission to report my bankruptcy. I DID NOT give you neither direct nor indirect permission to furnish my inform

ation. In addition to that violation, Trans Union are also committing fraud since Transuion claim to have verified this bankruptcy, but your sources deny that. Should Transunion need a reminder... please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) Statue. I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day you RECEIVE this letter.

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 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I recently received a email letting me know my credit report changed when I checked I saw that there was a collection account in the amount of {$120.00} dollars. I never received any information vial phone call or mail about this collection. I have no knowledge of where this could have came from. I am also a victim to Identify theft and fraud alerts have been placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I recently received a email letting me know my credit report changed when I checked I saw that there was a collection account in the amount of {$150.00} dollars. I never received any information vial phone call or mail about this collection. I have no knowledge of where this could have came from. I am also a victim to Identify theft and fraud alerts have been placed on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: FL

Complaint narrative:
Equifax have not removed unauthorized inquiries! 


Equifax : XXXX XXXX XXXX, XXXX, GA XXXX. 
: ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX, as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  /XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given ( EQUIFAX ) permission to furnish this information.

Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 4 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to ( EQUIFAX ) resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I'm trying to dispute a particular charge with my Capital One credit card but the credit card company is siding heavily with the merchant and asking me to provide documents as evidence that are difficult or impossible to obtain such as " A second opinion on company letterhead from another merchant in the same field that states how the service was defective or did not match the description of your sales invoice ''. 

They've done this before when the merchant pushed back on the charge dispute and after I tried providing evidence, they immediately closed my case. 

In this particular case, I got scammed by a shady business called XXXX XXXX ( or XXXX XXXX XXXX XXXXXXXX ). Their website lead me to believe they can XXXX XXXX  when in fact they just sell a useless quiz for {$150.00}. I made the purchase on XX/XX/XXXX and requested a refund when I realized I didn't get what I paid for. The merchant said I should have checked their terms of service and threatened me with collections if I dispute the transaction. 

I'm not sure what to do at this point because I feel I got scammed but my credit card company is not siding with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I dont know this company ( credit adjusters ) or the company they represent. I had call several times but they always ask me about my social security number to give me information and I dont want to provide that information over the phone. I would like this to be remove of my credit report of posible or have the documents that supposed to be sign for me. Because they dont want to provide any of these. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a checking and savings account with Truist on XX/XX/2022. With {$3000.00}. I had {$1900.00} in my checking account and {$300.00} just disappeared and the ledger said my balance was {$1600.00}. I have tried several times to contact customer service but I can't get anyone online or on the phone.

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 2022-03-26 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: HI

Complaint narrative:
I demand this account be deleted from my credit report, XXXX XXXX account is being reported with inaccurate information and after being disputed nothing has been done by the credit bureaus, leaving the innacurate information on my credit report is a direct violation of the FCRA, all information on my credit report must 100 % accurate and verifiable across all bureaus or be removed. 
XXXX ) inaccurate information being reported across Experian and XXXX is as follows a ) high credit limit - inaccurate b ) credit limit- inaccurate c ) date last reported - inaccurate d ) date last active-inaccurate XXXX ) date of the last payment-inaccurate f ) no notice of dispute on this account g ) payment status on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX is being reported inaccurately which is a major violation of the FCRA and should be removed immediately.

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 2022-03-26 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: HI

Complaint narrative:
I demand this account be deleted from my credit report, XXXX XXXX account is being reported with inaccurate information and after being disputed nothing has been done by the credit bureaus, leaving the innacurate information on my credit report is a direct violation of the FCRA, all information on my credit report must 100 % accurate and verifiable across all bureaus or be removed. 
1 ) inaccurate information being reported across XXXX and Equifax is as follows a ) high credit limit - inaccurate b ) credit limit- inaccurate c ) date last reported - inaccurate d ) date last active-inaccurate e ) date of the last payment-inaccurate f ) no notice of dispute on this account g ) payment status on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX is being reported inaccurately which is a major violation of the FCRA and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Every time I deposit my payroll check which I have been doing for over 2 years it gets withhold and they claim is due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-26 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: HI

Complaint narrative:
I have disputed this XXXX XXXX XXXX account being reported inaccurately on my credit report and demanded that it be investigated for the errors that I have found and after sending my first dispute letter to all 3 credit bureaus only XXXX has removed it from my credit report however it has not been corrected or removed by Experian or XXXX after approximately 60 days of disputing and as per the FCRA this account must be removed immediately for all the errors and violations. 
Inaccurate information being reported is as follows : a ) high credit limit- inaccurate b ) credit limit -inaccurate c ) dates last reported -inaccurate d ) date last active -inaccurate e ) date of last payment - inaccurate f ) payment status inaccurate on these dates XX/XX/2021, XXXX 2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 and this is a direct violation of the FCRA.

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 2022-03-26 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: NV

Complaint narrative:
TransUnion is reporting the following account XXXX XXXX XXXX XXXX XXXX inaccurate. TransUnion reported the account closed on XX/XX/2022 with a balance increased of {$1000.00}, which was inaccurate. On XX/XX/2022 I called and spoke to TransUnion over the phone about the inaccurate reporting and to remove XXXX XXXX XXXX XXXX from my report, once I got off the phone TransUnion Reopened the account on XX/XX/2022 same day. I called Transunion back the very next day on XX/XX/2022 and stated the inaccuracy & errors they have made a was told by a representative that they removed the following account XXXX XXXXXXXX Auto Finance XXXX. On XX/XX/2022 TransUnion closed the account XXXX XXXX XXXX XXXX XXXX once again. The payment history TransUnion is reporting for this account is missing, the last day active, the last time reported, high credit balance, & the date reported as opened are all incorrect and reporting different. TransUnion has violated my consumer rights and is continuing to misreport inaccurate information to my report. I have enclosed all documents of proof of all their errors along with my most recent TransUnion report and ID. This is Fraudulent and violation of the FCRA. My rights to privacy has been violated from TransUnion.

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 2022-03-26 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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