vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX Halstedfinan Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Halstedfinan Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I, finance a vehicle with USA Santander Bank on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( 3 ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAINE & WEINER would verify the debt. So I took it upon myself to ask CAINE & WEINER for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have a wells fargo credit card and I HAD a wells fargo checking/savings account. 

I have mailed a certified letter about unauthorized purchases on both my credit and debit card. 

I have emailed wells fargo because i havent gotten a response from anyone. 
I can not log in to my account to review the past fees purchases or statements. 

Now i am at a loss. My credit report is showing i an 30 days past due, wells fargo wont respond or take care of this for me, i have disputed this on my credit report and am waiting but in the meantime my credit score went down and i have done everything i can to report and stop this. 
I have now lost a good standing history, i can not apply for credit because this does serious damage and I AM BEING HELD ACCOUNTABLE FOR WHAT SOMEONE ELSE HAS DONE I CAN NOT EVEN GIVE THE OFFICER WHO TOOK THE COMPLAINT THE DETAILED PURCHASES SO THEY CAN MAKE A REPORT BECAUSE I CAN NOT GET INTO MY STATEMENTS! 

RIDICULOUS!!!!!!

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 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I c system reported to the credit reporting agency that I owed the $ XXXXI have never been contacted about this debt from them. I was contacted by XXXX XXXX XXXX who also reported this debt for exact same amount and account number.dropping my credit score and no one wont remove one of them.my understanding is they cant place the same account with two different debt collectors and the second, IC system has never contacted me in regards to this.please have them delete one or both.

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 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
I have requested that XXXX, XXXX, AND XXXX investigate possible inaccurate and unverifiable accounts and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I've had my PayPal account closed and my balance of {$18000.00} has been frozen for 180 days. I have not been provided with a reason for this by PayPal. They limited my account on XX/XX/XXXX and requested documents from me. I provided these documents on XX/XX/XXXX. There was also a request for an explanation of the use of my account, but before I could respond to this, I received an email saying that they have closed my account. They did not allow me to provide an explanation of the use. 

I use the account to send money to my friends, as well as with my casino accounts where PayPal is an option in the cashier. 

I haven't broken any of their terms as far as I'm aware and they haven't told me what I've done to cause this to happen. I can't believe it's legal for them to take my money away. Can you please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 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: CO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: DISCOVER BANK
State: SC

Complaint narrative:
XXXX XXXX XXXX got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it. 

Discover financial services got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, On Friday, XX/XX/2021, I received emails that someone by the name of XXXX XXXX was added to my account and initiated a wire transfer for {$18000.00} that I did NOT authorize for this person. I don't know who this XXXX XXXX person is and have never heard of him, this is a very cruel and vicious act he has done to me. I immediately called Wells Fargo Fraud department and asked them to stop this transfer and the representative was very nasty to me and told me to go in the branch and verify my identity and I asked to be transferred to a manager or supervisor and she hung up on me, I was begging her to stop this, and it is on the recorded call from Wells Fargo, had she stopped this transfer this could have been prevented. I even told the representative to look at my account history I would never deplete my account and send someone my entire savings, this is clearly FRAUD. I have always trusted Wells Fargo due to previously when I have traveled, they have called and verified activity on my bank card and ask me if I was traveling, they have always been very thorough with detecting suspicious activity. I have been a customer with Wells Fargo for 23 years and nothing has never happened to me like this before. The Fraud Department tried to do a recall from XXXX XXXX, but they stated the money was gone and there was nothing to recoup. I have been saving that money for the last 6 years to purchase a home and I am devastated. That transfer cleaned my account out, they even took my job check that was deposited on that Friday, I can't pay my bills nor buy any food. I really need someone to help me because I don't know what I am going to do and help me get my money back. Wells Fargo is stating the money is gone and there is nothing they can do, this is so unfair, and I know something can be done I need my money back, I cant take a loss, can someone please help me. I can also be reached at XXXX. I have also filed a police report # XXXX. I am in a dire situation with needing my money back in my account. 

Below is the transfer information : wellsfargo.com Your Wire Transfer is being processed You recently submitted the following transfer : Transfer details To account XXXX From account XXXX Amount {$18000.00} Send on XX/XX/2021 Description New car Confirmation number XXXX If you did not submit this transfer, or if you have questions, please call Wells Fargo Online Customer Service at XXXX. We are available 24 hours a day, 7 days a week

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 2021-09-15 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: CA

Complaint narrative:
Good morning, I am confused how the credit bureau is reporting information that causes by credit score to dropped tremendously. Over the last 2 months my score went from XXXX to XXXX and continues dropping and no one can explain to my why. The information by showing on the credit bureau site is not clear at all. I need your help with providing me answers to my concern and with stopping my credit to fall. 

thank you

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 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Dear Sir /Madam Re falsification of Information by XXXX XXXX XXXX  and transfer of The Said False Information To debt collection company Credence Resource management base at XXXX XXXX XXXX XXXX XXXX Texas Zip code XXXX who had call me From a XXXX to my Telephone Line XXXX repeatedly asking several interrogating questions without giving me reasonable time to address their false claim and statement repeated and uttered over eight times supervisor for the company was over aggressive even when i told him i have not received any services from XXXX XXXX  XXXX from XX/XX/2021 when I engaged the company with an intent to contract them as service provider after they collected payment of XXXX XXXX & XXXX XXXX Dollars and XXXX cents { XXXX } XX/XX/2021 for gadgets and service that they said they would provided and did not deliver on the date and time agreed upon i call several time there customer service department to have the service cancelled which they told me they did. the confirmation number i cant provided the immediately but there records that must save for seven years should be available for reference. these calls were made between XX/XX/XXXX and XXXX when I have to call my bank to dispute the initial charge which was paid back on XXXXAs a result of this false claim i am respectfully asking for an investigation for this false claim of payment of XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents which i am not owing and was never gotten any service to this address .Submitted for your immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, finance a vehicle with XXXX XXXX XXXX  on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( 3 ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.

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 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, finance a vehicle with XXXX XXXXXXXX XXXX on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( XXXX ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, finance a vehicle with XXXX XXXXXXXX XXXX  on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( 3 ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.

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 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX I realized some unauthorized inquiries on my credit report so I called the creditor contacts listed on my report and they advised me to call the credit bureaus directly which I did. The bureaus advised me to submit and IDENTITYTHEFT.GOV report which I also did and even contacted the police. I submitted all paperwork requested by the bureaus XX/XX/XXXX CERTIFIED mail with return label which included my ID, SSC, and UTILITY BILL proving my address and identity. Until this day unauthorized inquiries are still there and THEY ARE NOT MINE! Please advise them to follow the law and help with removing these UNAUTHORIZED INQUIRIES. Thank you

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 2021-09-15 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
I called to see what debt they was talking about and the creditor was rude and nasty saying I owe XXXX XXXX and I try to tell him I never had a XXXX XXXX card and I wanted to dispute this debt. He was rude and nasty and said well we will keep calling and hung up. The debt collector is direct recovery XXXX. They are calling my family members and I do not know how they got their numbers. They are also threatening me by leaving messages. I called back and another person answers but not addressing my issue because she on the phone with someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I contacted two representatives on two separate occasions in order to get this rectified at ALLY. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company ALLY continue to report a balance and OPEN account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I contacted Solomon & Solomon about debt and issues they were nasty told me they passed the debt off in XXXX and just now closing it.in XXXX they advised me that it will come off in 45 days I told them both has dropped my credit score.they stated it has nothing to do with us.the lady was very rude and they refused to delete the information until they decided to and it wont come off my report until XXXX at the earliest.which is hurting my mortgage financing

Company response to consumer: Closed with explanation