vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: PA

Complaint narrative:
My credit report is showing a collection account from XXXX XXXX. I never received written notification about this debt which means I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4I XXXX XXXX are violating my consumer rights. I am requesting DEBT VALIDATION according to 15 USC 1692 ( g ), as well as the purchase agreement between ASSETCARE and XXXX XXXX XXXX, a detailed list of the history of payments, proof that XXXX XXXX have chain of title to collect on this debt. Without providing any of this information this account should be permanently deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting 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:
unfortunately, I am a victim of XXXX XXXX XXXX XXXXXXXXXXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Bank is stating we came in to close the account on XX/XX/XXXX, when we have signed documentation from XX/XX/XXXX to prove we actually closed the account that day. We were told we would receive a check by mail in 12-14 business days. When we did not receive the check and called the bank we were told there was a mix up with the addresses and we should be receiving the check soon. When we still did not receive the check, I called corporate customer service and was told a completely different story. That the bank had still needed documentation that my mother was deceased which I had with me in case it was needed back on XX/XX/XXXX. This highly suspicious to me and is quite alarming that at one institution I can close an account and receive the money belonging to the estate the same day and another bank will not release the funds that do not belong to them, for a month. The bank is called Associated Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
I am trying to make payments on my student loan with Aidvantage. On XX/XX/XXXX I made a payment of {$140.00} which they processed and then said there was a payment reversal. This never showed up in my bank transactions. On XX/XX/XXXX I made a payment of {$420.00} and their website said this payment was received. The payment was never processed with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX PM, I sold an item and the person who was buying it sent me {$69.00} on Cashapp. However, after receiving the item, they were able to cancel the transaction. I reached out to Cash App and they informed me that, I had to hit " accept payment, '' however the sender cancelled the transaction before I was able to hit accept. I reached out to Cash App and they were of very little help. Anyone on cashapp can hit " cancel transaction '' before the receiver accepts it and it is returned to sender. But sometimes, there is no need to hit accept payment and the payment gets accepted. It seems to be at random when the transaction requires the additional acceptance in order to receive funds. I reached out to Cashapp and was never returned the {$69.00} dollars. 
I reported the sender on Cashapp and reached out to support but they told me they couldn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I have been a victim of identity fraud, fraudulent checks were made into my account # XXXX with out my knowledge. I contacted XXXX XXXX  and was told that my account was closed due to the crime that was committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd

Complaint narrative:
I recently transferred some funds via my WISE account fromThursday and to my surprise today, my bank in my local country which is the XXXX XXXX XXXX  has charged me leaving me with nothing in my account. This is upsetting and I am really upset with the mere fact that they took my money. I need back my money and I'm tired of WISE charging fees because when it reaches my bank account internationally. I am not left with anything. I am going to stop use WISE. Both WISE and XXXX are scammers. These banks are taking your own money that should be sent in your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I paid off my account with XXXX XXXX years ago and the account was closed. I got very sick and in a coma 61 days ( flatlined 3 times ) and the hospital 9 months. Then transworld systems inc has been putting on a collection on my credit report with all the credit bureaus. This is illegal and they are placing things on peoples credit and then changing the dates and payments history! I want to file a federal complaint against transworld systems, XXXX!!! 
Thank you for your help and understanding with this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received emails saying I will be receiving a quick silver card from capital one, which I never applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Account number XXXX Date opened XX/XX/XXXX Collection account. {$970.00} past due as of XX/XX/XXXX. 

Dispute from XXXX-Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: FL

Complaint narrative:
A company under VW credit inc is charging me fees of {$1100.00} that I dont own. This agency is damaging my credit and Ive been up to date with all payments. This issue needs to be resolve as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
unfortunately, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 00:00:00
Product: Credit reporting 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:
As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding a private student loan I took out in XXXX. That is showing opened XX/XX/XXXX on my credit report. I have several issues that I believe need to be addressed immediately, as detailed below. 

Background Loan Date : XXXX not XXXX Account Number : XXXX Reference Number : XXXX Current Creditor : Transworld Systems Inc State of Residence : Illinois Issues XXXX. XXXX XXXX XXXX : In or around XXXX, both my federal and state income tax refunds were withheld to satisfy part or all of this debt.

2. Statute of Limitations : As the loan was taken out in XXXX, and given that the statute of limitations for debt collection in Illinois is XXXX  years, I believe that this debt has surpassed the time frame for legal collection efforts. It is my understanding that this debt should no longer appear on my credit report.

3. Request for Itemized List : I am requesting a detailed, itemized list of all charges and payments made towards this account. This includes all payments applied from tax refunds or any other sources.

Actions Requested 1. Credit Report Corrections : Remove this debt from my credit report due to the statute of limitations being exceeded and the partial payment received from my tax refund.

2. Itemized Statement : Provide an itemized list of all charges and payments made towards this account, including but not limited to the amounts collected from my tax refunds.

I kindly request that the CFPB investigate this matter and take appropriate actions to resolve these issues. Thank you for your prompt attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604 A section 2, also states a consumer reporting agency, can not furnish an account without my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

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 2024-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
My credit report is showing a collection account from CREDIT COLLECTION SERVICES. I never received written notification about this debt which means I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4I CREDIT COLLECTION SERVICES are violating my consumer rights. I am requesting DEBT VALIDATION according to 15 USC 1692 ( g ), as well as the purchase agreement between CREDIT COLLECTION SERVICES and XXXX XXXX XXXX XXXX, a detailed list of the history of payments, proof that CREDIT COLLECTION SERVICES have chain of title to collect on this debt. Without providing any of this information this account should be permanently deleted immediately.

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I report my debit card stolen to TD bank Transactions were made and also my checking account was scam. 
Td bank denied the dispute with no written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Penn Credit Corporation
State: MA

Complaint narrative:
The debt was for the XXXX in ma I was unaware of this debt nothing was ever sent to me. when I went to go get my license I was denied it was non-renewable until I paid this debt to Penn credit. On XX/XX/XXXX Penn credit I verbally asked for a validation letter the original creditor they did not send me one. On XX/XX/XXXX I called Penn telling them we're is my validation letter. They said that they have to speak to the original creditor for me to get any information. I then filed a complaint. CFPB ON XX/XX/XXXX. I RECEIVED A RESPONSE FROM XXXX XXXX ON XX/XX/XXXX ABOUT THE COMPLAINT HE ACKNOWLEDGED THE DEBT THEY ARE SEEKING AND THEY WOULD RESPOND WITH THE VALIDATION LETTER AFTER SPEAKING WITH THE ORIGINAL CORRECT CREDITOR. Who he would not reveal when I asked I RECEIVED NOTHING FROM THEM. ON XX/XX/XXXX I LEFT A VOICEMAIL FOR XXXX ASKING HIM FOR HIS HELP WITH THIS VALIDATION LETTER THIS IS MY LICENSE AND I WAS XXXX  XXXX XXXX THEM XXXX I HAD DOCTOR 'S APPOINTMENTS IT WAS CRUCIAL THAT THIS WAS TO BE TAKEN CARE OF AS SOON AS POSSIBLE I DID NOT GET A RESPONSE FROM XXXX. ON XX/XX/XXXX I SENT A LETTER TO THE STATE DEPARTMENT and XXXX XXXX, he reached out to me and stated that pen collections did not get back to him he made a follow-up phone call and still there was no response XX/XX/XXXX legislation aid representative of XXXX XXXX XXXX State House I ALSO SENT INFORMATION ABOUT MY BACK PLATE BEING STOLEN. I'm a XXXX  XXXX survivor and I'm XXXX as well I made that very clear I did not receive one piece of paperwork not one phone call not one email. I paid the debt I'm not sure of the date think maybe four months ago to get my license they held it hostage they did not help me they did not answer me and I would like information on filing a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the accounts listed below. All they said was that the accounts were confirmed as accurate. They provided no proof and didn't update anything. 

CAPITAL ONE Credit Card with account # XXXX CAPITAL ONE Credit Card with account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 2024-07-20 00:00:00
Product: Credit reporting 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief