vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am writing to file a complaint against [ TRANSWORLD SYSTEM INC ] on the consumer finance website. The complaint is related to a debt that I do not believe is valid and the collection activities of the company have caused me significant distress and frustration. 

The alleged debt in question is related to a rental car toll notice that was opened in my name. The agreement was opened with [ XXXX XXXX XXXX XXXX XXXX XXXX and had a charge of $ [ {$5.00} ] ( original amount ). I do not dispute this account, but I dispute the amount of the debt that is being claimed by [ TRANSWORLD SYSTEMS INC ]. The amount being claimed by [ TRANSWORLD SYSTEMS INC ] is $ [ {$110.00} ], which is significantly higher than the amount that I believe I owe. 

I first became aware of the alleged debt in [ XXXX XXXX XXXX XXXX XXXX, XXXX  ] when I received a letter from [ XXXX XXXX XXXX XXXX XXXX ] stating that I owed $ [ XXXX ]. I immediately contacted [ XXXX XXXX ] to request more information about the debt and to request validation of the debt. I provided [ XXXX XXXX ] with a written request for validation of the debt on [ XX/XX/XXXX  ], but I did not receive any response from [ XXXXXXXX XXXX XXXX  ]. 

Despite my request for validation of the debt, I continued to receive frequent calls and letters from [ TRANSWORLD SYSTEMS INC ]. The representatives of the company were often aggressive and threatening in their communication with me, which caused me significant distress and XXXX. I attempted to explain my concerns to the representatives of the company, but they were dismissive of my concerns and did not provide me with any additional information or assistance. 

I also attempted to contact [ XXXX XXXX XXXX XXXX to obtain more information about the alleged debt, but they were unable to provide me with any additional information as the account had been sold to [ TRANSWORLD SYSTEMS INC ] . 

I am filing this complaint to request that [ TRANSWORLD SYSTEMS INC ] provide me with validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I would like to request that [ TRANSWORLD SYSTEMS INC ] provide me with the following information : The amount of the debt and how it was calculated The name and address of the original creditor A copy of the agreement with my signature Proof that [ TRANSWORLD SYSTEMS INC LLC ] is authorized to collect this debt I would also like to request that [ TRANSWORLD SYSTEMS INC LLC ] cease all collection activities until such time as they have provided me with the requested validation. 

I would appreciate a response to this complaint within 30 days of your receipt of this letter. If I do not receive a response within this time frame, I will consider this debt to be invalid and unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: FL

Complaint narrative:
Case Nos : XXXX & XXXX CapitalOne, XXXX 's took over the XXXX 's program from XXXX XXXX XXXX  in XXXX of this year. I had filed a dispute with the latter on XX/XX/2022 as well as a complaint with the XXXX. I had written many letters to XXXX XXXX  and they never investigated or resolved the dispute in 5 months. Instead they transferred everything to CapitalOne. Now comes CapitalOne and it is asking me to pay for the never investigated or resolved disputed amounts of {$2300.00} & {$2100.00} to merchant XXXX XXXX for services not rendered. CapitalOne insists on initiating a new dispute which should not be. According to federal law a financial institution has 90 days to respond to a dispute and if the merchant is contacted and never responds it forfeits the amounts disputed. As XXXX XXXX XXXX  never investigated, or if they did, the merchant did not respond thus canceling the transaction outright. I have asked CapitalOne to obtain all documentation from XXXX XXXX to be able to determine what they did or did not do thus allowing us to solve this old dispute once and for all. They have failed, refused or neglected to do so and now insists I must pay. They have also billed my account for the outstanding amounts which, by the way, XXXX XXXX  never even issued temporary credit as required by law. Since CapitalOne acquired all rights to the XXXX 's credit card program they should honor my original dispute and either charge back XXXX XXXX  or demand they turn over any and all documents they possess having to do with my original dispute of XX/XX/2022. CapitalOne has been provided with my many certified, return receipt letters to XXXX XXXX  and yet, instead of accepting the original dispute they wish to proceed with a new one and refuse to get back to XXXX XXXX  for all proper documents pertaining to their investigation of lack thereof. Since XXXX XXXX  has not sent anything to CapitalOne and never bothered to even investigate or give me a definitive answer, CapitalOne should issue temporary credit and deal with XXXX XXXX  instead of expecting me to take up the matter myself. This is not proper banking practices as they just want to drop the dispute on my lap and not do their due diligence themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUELSON LAW FIRM, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against Huelson Law Firm , LLC, a debt collection company that has failed to validate a debt they claim I owe and has not responded to my inquiry regarding a potential " paid to delete '' arrangement. Despite multiple attempts to contact them via certified mail, phone calls, and emails, I have not received any response or validation of the alleged debt. 

On XX/XX/2023, I sent a certified letter to Huelson Law Firm , LLC requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). As of today, I have not received any response or proof of the alleged debt from the company. 

In the same certified letter, I also expressed my interest in discussing a " paid to delete '' arrangement to resolve the outstanding debt, if validated, and have it removed from my credit report upon payment. However, Huelson Law Firm , LLC has not provided any response or indication of their willingness to consider such an arrangement. 

Additionally, I have made several attempts to contact Huelson Law Firm , LLC via phone, but have been unable to speak with a representative. I have also sent an email to their customer service email address XXXX on XX/XX/2023, but have not received any reply. 

This lack of communication and failure to validate the debt is causing undue stress and negatively impacting my credit report. I request that the CFPB investigate this matter and take appropriate action against Huelson Law Firm , LLC for their non-compliance with the FDCPA. 

Please find attached copies of the following documents to support my complaint : 1. A copy of the certified letter sent to Huelson Law Firm , LLC requesting debt validation and expressing interest in a " paid to delete '' arrangement. 
2. Proof of delivery for the certified letter. 
3. A copy of the email sent to XXXX requesting debt validation and discussing a " paid to delete '' arrangement. 

Any additional documentation or correspondence related to the debt in question. 
I appreciate the CFPB 's assistance in resolving this issue and protecting my consumer rights. Please do not hesitate to contact me if you require any additional information or clarification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/10 I applied for a credit card offer through experian. The notification stated the offer for XXXX XXXX issed by XXXX XXXX Experian had this as my top match for approval so I applied but I was denied. I understand things are subject to approval but after receiving the adverse action letter which stated the reasons for denial I quickly realized I did not meet any of their criteria for approval. Why then was this a top credit match when I did not meet minimum score, credit length, income, etc. which are credit basics. 

I would like to request the hard inquiry be removed as the credit match criteria did not fall along the parameters for approval in most of the guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I had a XXXX policy that paid XXXX that was deposited into my savings account, and upon looking over my financial records to see how funds were dispersed, I noticed that the money was not all withdrawn by me, but I can not account as to where it went. I would hate to think that someone at my local branch went into my account but that is very possible. I feel as if there was money stolen out of my account at the time that the XXXX was deposited into my account in 2022. I have made several calls to this location, and even took off of work to sit down with someone to no avail. I was told I needed to make an appointment for that type of inquiry, and my employer does not allow a lot of time to take off of work. I have been unable to get any one to call me back since last yeat 2022.

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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX  my account was limited due to a red flag to the checking account. While contacting the bank, they said they would have to look into my account because I was making too many deposits. They said the account was closed and that I would receive a check with the remaining funds on my account within 7-10 days. The amount of the funds is an approximate of {$22000.00}. I waited 10 days before contacting the bank again because I didnt receive the check yet, they said the check hasnt been sent and they were still looking into my account, when it was supposed to be closed already. They said they would pass a note to say I was expecting my check and that I would receive a notification ( didnt say where ) when the check was sent. I havent received a notification, nor the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TX

Complaint narrative:
The XXXX XXXX account # XXXX is reporting incorrectly to Equifax. Equifax claims to have verified the information in XXXX of XXXX. The account in question first reported delinquent in XXXX. The other XXXX bureaus ( XXXX and XXXX ) have since removed this account from my credit report due to the account being reported negatively for XXXX years. Each company removed the item in XXXX of XXXX or prior. I am requesting that Equifax remove this item immediately from their consumer report containing my information. EQUIFAX is in violation of the FCRA laws. According to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

I am requesting that they remove the negative account immediately from my consumer report furnished by them to match the other consumer reporting agencies which show the correct information. I don't understand how EQUIFAX can have access to the SAME information furnished by the original creditor but provide a different outcome that is completely against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: NY

Complaint narrative:
On XX/XX/XXXX  I mailed proof that I paid XXXX XXXX  violations that I owed them. I mailed it to PAM ( Professional Account Management LLC ) at XXXX XXXX XXXX, XXXX NY. I then gave them a month to investigate and called PAM on XX/XX/. They said that they received my proof ( receipts that I paid XXXX, who refused to let PAM know that I paid them ), and PAM stated XXXX has a 30 day grace period : since they received the notice on XX/XX/XXXX  they have until XX/XX/XXXX  to respond. The PAM representative said to call back on XX/XX/XXXX  and if it is not resolved to speak to a supervisor. I called on XX/XX/XXXX  and was told that all supervisors are in a meeting. To this date I have been calling to speak to supervisors and I keep being told that one will call me back and no one has. I keep telling them that this is urgent because its preventing me from renewing my NY registrationXXXX I work for XXXX XXXX and have kids that I drop off and pick up from school. so it is imperative that this is resolved. It is not fair that I paid XXXX and theyre not responding. Once this is cleared I can renew my registration but no one is making an effort to rectify this : Since no one is contacting me from PAM Im reaching out to XXXX  with the hopes that this can be resolved ASAP. This is for ticket # 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 2023-04-17 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:
In accordance with the fair credit reporting act this creditor has violated my rights.

under 15 USC 16.81 section 602 states I have the right to privacy. 15 USC 16.81 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open 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 non-monetary relief
Consumer complaint received 2023-04-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. 
under 15 USC 16.81 section 602 states I have the right to privacy. 15 USC 16.81 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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:
In accordance with the fair credit reporting act this creditor has violated my rights. 
under 15 USC 16.81 section 602 states I have the right to privacy. 15 USC 16.81 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Lvnv Funding LLC started reporting on all my reports XX/XX/. They are currently reporting on all 3 national reporting agencies. They do not have the authority to collect anything from me. Per the Illinois Department of Financial and Professional Regulation, they are not licensed in the state of Illinois to collect anything as they do no have an active license for Illinois. This has been reporting for nearly 2 years negatively affecting my credit profile and making it hard to purchase a home. They have no legal grounds to collect anything from me, furthermore when I requested them to validate the debt was mine, they could not. I would like this collection removed from every single reporting agency and updated ASAP. Please see the screenshot showing they have an active license in SC, not IL. There are 3 different collections showing, their account numbers are as follows XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed unauthorized inquiries in my credit report that I would like to be removed, because it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: FL

Complaint narrative:
I noticed unauthorized inquiries in my credit report that I would like to be removed, because it was not me.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX and there is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.

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 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I filed a request to use my payment security as I had lost most of my hours. The benefit was initially requested for starting in XXXX. They made a couple months worth of my payments while they did whatever it is they do to process the claim. Then I was sent a letter requesting paystubs for the months after XXXX which I provided. Next I was told to provide paystubs for XXXX and XXXX to show I still was experiencing a reduction in hours which I provided. They sent another letter stating they needed more paystubs so I sent my XXXX as I am an independent XXXX and the XXXX listed my income for each month for the entire year. Now they are saying they need actual paystubs for the month prior to XXXX and a XXXX isn't good enough. I'm starting to feel like they are just going to keep dragging this out and ask me for more and more things. I want them to process my claim in a timely manner and stop asking me over and over for more information. My benefit request number is 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 monetary relief