vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Consumer Statements on these credit files I have requested for them to be removed along with the fraud alerts from my credit file in XXXX XXXX with XXXX, XXXX and Equifax. and they have never been removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING ANACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT XXXX XXXX XXXX XXXX INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. XXXX XXXX ALERT : I AM CURRENTLY ON XXXX XXXX XXXX DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 

Equifax : XXXX XXXX ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX CELLULAR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Consumer Statements on these credit files I have requested for them to be removed along with the fraud alerts from my credit file in XXXX XXXX with XXXX, Experian and XXXX. and they have never been removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING ANACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT XXXX XXXX XXXX XXXX INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. XXXX XXXX ALERT : I AM CURRENTLY ON XXXX XXXX XXXX  DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 

XXXX : XXXX XXXX ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX CELLULAR 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 2022-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
This is my SECOND complaint I am filing because the first complaint was closed out unresolved! Penn Corp 's response to my first complaint mentioned a name that was not mine ( someone by the name of XXXX XXXX, which is not me ) and said they would resolve this, which they did not and have violated several of my consumer rights. 

A medical collection ( that I was never notified was going to be sent to collections ) showed up on my credit report and negatively impacted my credit. I sent out a certified debt validation letter on XX/XX/2022 to Penn Credit Corporation requesting they validate this debt, per my right under the FDCPA. Penn Credit Corporation received this letter on XX/XX/2022 ( according to the USPS tracking ) and per the FCRA they have 30 days to respond to my request from the date they receive this letter and they DID NOT respond at all. Since they did not respond, all references to this account MUST be deleted and completely removed from my credit file and a copy of such deletion request must be sent to me immediately, per my letter. 

Now since they IGNORED this FIRST debt validation letter. I sent them a failure to validate the debt letter on XX/XX/2022 informing them they failed to validate this debt at my request and CONTINUE to report a DISPUTED DEBT to the Credit Bureaus which is a FDCPA and FCRA violation so that's TWO VIOLATIONS. 

They had 15 days from the date of receiving my second letter to respond. They received the letter on XX/XX/2022 ( according to their SIGNED USPS receipt ) and completely ignored this SECOND letter which means I reserve the right to sue this company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from them if warranted. 

I have provided all receipts and images. 

Delete this from my credit file immediately to avoid legal action and a copy of such deletion request must be sent to me immediately, per my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
In XXXX I was by multiple bank employees that if I filed a scam ackowledgement form out that I was going to get the {$12000.00} back from a wire done from my account. when the wire was in process i tried to call bank of america to stop it. I called and was on hold until after the wire dept had closed. the next morning when they were opened they said there was nothing that I could do except file this case and wait for the money to come back from the other bank. This was XX/XX/XXXX on XX/XX/XXXX the bank actually finally filed the claim. They have continued to ( without my knowledge ) deny and refile the case. it was done again on XXXX by me when I faxed in more paperwork. they did not file this until XX/XX/XXXX. when they did file it they filed it wrong. On XX/XX/XXXX I spoke with a lady and she stated tha tshe was going to help rectify the situation ( finally ) she said that I MOST DEFINITELY would get the entire {$12000.00} back from Bank of America. She issued a credit to my account for {$5000.00} she said that I could call back and get another {$5000.00} the following monday. On the XXXX of XXXX I got in touch with yet another lady that confirmed what i had been told all along. It was denied and refiled again. I had no knowledge of this. Nor have I gotten written notices in the mail ( by law I am to get these notices ). This lady also credited my account {$5000.00} she stated it was definite that I would still be getting {$2500.00} that was OWED to me. I called back a couple days later and a rude lady stated " watch this '' and she put a negative {$10000.00} hold on my account, because and I quote, " because in my opinion this is wrong '' Ive had to endure more hardships over this money than I ever care to again. after TONS of calls to the bank to resolve this I ; ve learned that bank of america tries to word things on their recorded lines tio make the consumer slip up and say something that they do not mean or understand. Once the consumer has saidd this in a recorded line, Bank of America will deny all claims for that person. They are in breach of contract via the user agreement. I have been rudely hung up on, told to just tought it out, all kinds of nasty things no human should have to deal with. Their Chief Customer Relations Executive called me, left me on hold for over 1 hour 20 minutes connecting me to the fraud dept, when they finally picked up XXXX XXXX had left for the day ( this is who called me ). they are constantly badgering me, bullying me, and discriminating against me because I am a veteran. they will vehemetly deny the ladder of course. however, I have it recorded on my phone.There are many more things they do in the shadows that need to see the light of day

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 2022-07-13 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: MOHELA
State: CA

Complaint narrative:
IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH 6 DIFFERENT INDIVIDUAL LOAN 'S ON MY XXXX, XXXX AND XXXX CREDIT REPORTING FILE ACCT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My issue started when my job lost my direct deposits information and sent me a check by mail. However, my main issue is with my bank, Wells Fargo. On XX/XX/XXXX, I recieved my paycheck for {$940.00}. I did a mobile deposit not soon after, and wells fargo gave {$400.00} up front and the rest was supposed to be deposited after the holiday on the XXXX. 

On the XXXX, I went negative - {$480.00} due to my company withholding the funds and wells fargo taking back the fronted amount given on the XXXX. In addition to two overdraft fees. Wells Fargo informed me that the rest of my amount should be available on the XX/XX/XXXX. 

Considering I would be waiting for a while to receive my income, I transfered {$390.00} from a separate savings account. This put my new negative balance at $ XXXX. 

Fortunately, I recently recieved a settlement check from my previous job at XXXX for {$1100.00}. On XX/XX/XXXX, I went to the bank to deposit the check and cover any remaining overdraft fees. I was told the check would be available the following day on the XX/XX/XXXX.

The teller at Wells Fargo informed me that I had a positive balance of {$310.00}. I proceeded to ask if any Wells Fargo staff, customer service line or banker, has managed my account and waived my overdraft fees in order for me to collect my previously deposited {$390.00}. She couldn't see any man-made adjustments, so I assumed that the balance was mine considering my previous deposits of {$390.00} and {$940.00}. 

After withdrawing {$300.00} from the original {$310.00}. I noticed that night I did not have {$12.00} dollars in my account, I became negative $ XXXX. 

Realizing, I had made a mistake I went to the bank, on XX/XX/XXXX, to deposit {$280.00} dollars. While at the bank, my check for {$1100.00} was not available. She proceeded to inform me that the check was on hold for collection issues and will be available on XX/XX/XXXX. 

I currently have {$2100.00} on hold for due to collection issues although the checks are from different banks and companies. 

I could really use help considering my next paycheck will be arriving XX/XX/XXXX. Thank you for any assistance.

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 2022-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc.
State: OK

Complaint narrative:
I have tried to explain to Kansas Counselors that the amount they are trying to collect has been paid in full to the provider. This bill was part of a settlement from wreck. My attorney and I have both tried to have this conversation with them and they refuse to take the documentation provided as prof this matter has been fully resolved. I am not paying a company whom I did not contract services for a bill that Ive already paid in full to the provider whom I did contract services. I did not provide my information to them and Ive explained to them they need to take this matter up with the originally creditor whom was paid in full. Please help me resolve this once and for all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX and Transunion continue to report a collection account from XXXX XXXX XXXX. I have never had any business with XXXX, was never alerted they were trying to collect a debt or anything. I moved out of an apartment serviced by XXXX XXXX. When I found out I owed them money, I paid them. I was never contacted for collections by XXXX or XXXX. I just ended up paying XXXX but XXXX continues to report. I would like the XXXX collection removed from my credit. It is damaging my Fico scores. Just reporting to the credit bureaus without any attempt to first contact and resolve a debt is shady business practice.

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 2022-07-13 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: PA

Complaint narrative:
Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not XXXX percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not XXXX percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXX XXXX Account XXXX XXXX 15 U.S.C 1681section 602A. 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 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 2022-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I advise this company I do not owe this money. I also told them to stop calling, which they do not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion keeps illegally re-aging this account! Currently the date of last activity is XX/XX/2022. 

Also, TransUnion is listing this collection account as an open account, which is incorrect.

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 2022-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2022 I submitted a withdrawl request of {$200000.00} from my savings account with Marcus Goldman Sachs, with more than ample funds and ask that amount to be sent to my XXXX bank checking account. I gave all the XXXX information they needed to do that. I explained that this money was for a home in escrow and these funds are time senceitive. I called probably 15 times put on as many as 8 holds and Marcus Goldman Sachs never gave me a reason why they would not release the money for transfer. I spoke to supervisors and no information was given just they need several more days, and then you call again and the same answer more days to review. They put a hold on my online Marcus Account and I was unable to access the accout. I called XXXX and told them that I had sent my problem to you and that I was recordding the line. They unlocked my on line account and I had to place a new withdrawl for funds. I am hoping that this withdrawl goes through but I don't trust them. I will withdraw the rest of my savings and 3 CD 's after I receive the requested funds. Please review and help me find a way to do this without going through the above once again. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13 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: NC

Complaint narrative:
i signed to experian boost for the week period for {$1.00}. was blocked from using account due to " somebody '' entering the wrong social security. this block resulted in going past trial period. so i was charged {$29.00} for an account i could not even use. 
i repeatedly emailed about how to add another account to " boost '' my score, no response. i call, get disconnected, over and over. automated line repeatedly ask for my ss #, connects me to agent who asks for it again. refuses to pass me to a supervisor repeatedly. next call more of the same except this time i am hung up on. they took my money and can't provide the service they offer. i am trying to cancel before they take another payment out. this really has me wondering if their reporting is accurate, if their customer service is this bad.

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 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received a debit card in the mail for a newly opened checking account through Chase Bank. I called them on XX/XX/2022 and was transferred around with no assistance. I called back XX/XX/2022 and finally spoke with the correct fraud dept. The representative stated I would need to provide my SSN and DOB to start a fraud case. I advised that I wouldn't know which SSN and DOB they provided, but further that I would not provide this info if an account was opened fraudulently. I advised that they can start the case, close the account and send out mail and email. I would receive the mail since it is listed as my address and the identity thief would receive the email and would then have the ability to fight that with the local bank or online. They advised that I can go into the local bank to prove who I am and provide my SSN and DOB. I will NOT give them my SSN and DOB! They can have the thief go in and provide those documents!! Obviously, they did not assist me with this fraud. The last person that I spoke with at Chase was a supervisor, XXXX XXXX- she would not provide an agent or representative number.

Company response to consumer: Closed with explanation