vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 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: PA

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 explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX XXXX XXXX XX/XX/2020 {$1400.00} As stated in my previous dispute, XXXX XXXX XXXX is acting fraudulently with the consent of Experian in regards to my credit report. XXXX XXXX XXXX claims to have investigated and verified the alleged debt that I owe but according to The Fair Credit Reporting Act in Section 1681a ( e ) it clearly states that a legitimate investigation where any information regarding any consumer must be obtained through personal interviews with either myself ( the consumer ), neighbors, friends, or associates of the consumer. No such investigative actions have been taken by XXXX which is an illegal violation and false claim on their part. XXXX in response to my previous dispute has claimed and acknowledged that they are acting as a business associate ( which is a third party ) in an attempt to collect a debt which is also fraudulent. According to the Fair Credit Reporting Act If they can not provide evidence that they are the original creditor then they must cease all attempts at collecting the alleged debts. 15 us code 1692c also states that third party communication with a consumer in regards to collecting a debt is unlawful unless given prior consent by the consumer. XXXX claimed to have produced an itemized letter with a description of the charges being sought after, according to 15 us code 1681a 3 ( b ) there is a restriction in place to prevent from sharing medical information without the consumers consent even if there is an individualized list or description based on the payment transactions of the consumer for medical products or services. XXXX has also misspelled my name and addresses this debt to the wrong person in pursuit of the debt which falls under block of information as a result of identity theft according to US code 1681 c-2. Also, XXXX XXXX XXXX is indeed violating my XXXX rights as a consumer because although they may have fraudulently produced an itemized list with a description of the charges being sought after, they have failed to produce a copy of my XXXX transcript signed by me as the consumer and original creditor. This is a serious violation of The XXXX XXXX XXXX, several US privacy codes and fraudulent activity which can result in a hefty fine of up to {$10000.00} or more. As the original creditor and the consumer I would be within my rights to pursue litigation for every single violation named and unnamed in this dispute and to seek financial remedy for the unfair practices and abuse regarding my credit report. If all fraudulent collection attempted are not ceased then this will be the next course of action.

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 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERIS BANCORP
State: CA

Complaint narrative:
COMPLAINTS ABOUT XXXX XXXX AKA AMERIS BANK SUBJECT : {$30000.00} NEVER REACHED THE RECIPIENT who was the client of XXXX XXXX  yet money WAS NEVER RETURNED TO ME- SENDING ACCOUNT : XXXX XXXX XXXX in XXXX XXXX sent a wire to XXXX XXXX XXXX ( ABA XXXX ) for account number XXXX in the name of XXXX XXXX XXXX XXXX- it seems like AMERICAN BANKING COMPANY suspects their own client and refused to give them the money. They telexed XXXX, but XXXX NEVER ANSWERED and I never got a call from XXXX notifying me of any problem with the wire from the receiving bank XXXX CLIENT sent me a copy of his account activities for the whole month of XXXX ( enclosed ) to tell me that the money was never received. Immediately I went to XXXX to request for a recall of this wire. CASE NUMBER XXXX XXXX. Employee name is XXXX who promised to follow up on this and will call me between 9-6 within the week. 
XXXX called XXXX to follow up on the recall. I spoke to a supervisor named XXXX in the wire department. She said she has not heard from Ameris, but will accelerate it. 
XXXX called XXXX WIRE again. This time it is XXXX who was the supervisor. he still has not heard from AMERISXX/XX/XXXX-SOMEONE from XXXX actually called me to tell me that AMERIS has not answered yet. 
XXXX I called XXXX again. They said that they have sent 18 messages to AMERIS but they never got an answer. WHY IS AMERIS HOLDING MY MONEY? AND NOT RETURNING TELEXES OR COMMUNICATIONS TO CITIBANK. THIS BANK NEEDS TO BE INVESTIGATED THOROUGHLY NOTE : I am not a client of XXXX XXXX  but i have the account number where the wire was supposed to go to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Victim of identity theft explained my situation to them told them it was possible for me to have debt in Louisiana and I been in XXXX for 8 years

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 2021-06-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/XXXX, I opened a CD with Marcus.com, which came to maturity in 12 months. 

The first aspect of the complaint is the emails received regarding monthly disbursements, as well as the initial email opening the account, and the final email alerting me to the maturity date and automatic renewal. All of these UNSECURED emails contained sensitive financial information, including the account number and various dollar amounts. 

The second aspect of my complaint is the closing process of this account. Upon receipt of the final email, I called to express my dismay that the term total - interest amount of my CD was displayed in an unsecured email. To my further dismay, I learned during that call that the call I had made several days earlier to close the account was not being processed, and my CD was set to renew! 

If I hadn't become aware of the potential security breach regarding my personal details, I would've been locked into another 12 months with Marcus. 

This has been resolved, and Marcus has case # XXXX, created by XXXX, on file, from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: VA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I am a man of XXXX and I feel like these credit reporting agencies are taking advantage of me because of my race. I sent them a official statement on XX/XX/2021 notifying them that these accounts were Fraudulent, so they were supposed to remove them after 4 days of receipt of my letter, but they did not. it is now XX/XX/2021 and these accounts are still reporting to my credit report. they are only treating me like this because they feel like I don't have consumer rights because of my race.l they are discriminating against me and my consumer rights. 
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2021-06-22 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I transferred a balance from another credit card to this one back in XXXX, to help pay less on my overall credit card debt. When I did so, I was given the offer of 0 % interest for 12 months, but I keep getting charged interest on my statements and then never given a proper explanation as to why whenever I have contacted the company about it. 

When I called them the most recent time, I explained that when I have made purchases with this card since the balance transfer I have paid the purchase amounts in full, so I should not be charged interest. The person that I spoke with said that I did not in fact pay them in full, which is true, but they then apologized, credited me for the interest that had been charged and apologized for the lack of a good explanation as to what I should pay to not owe any interest. They did some type of calculation on their end and said that I would need to pay {$58.00} ( or something in that ballpark ) to pay for my minimum payment on the balance transfer as well as what remained on the purchases, to not owe any interest. I thanked this person and then proceeded to pay {$60.00} ( more than what they had told me ) on my next bill. When I received my most recent statement, I was still being charged {$1.00} for interest even though I had been given a specific amount to pay where I would not have to. 

The bottom line is, when this company told me that I could get around paying any interest, they lied about it and have decided to still punish me for trying to pay off my debt and not owe interest. These discrepancies in their behavior can not and should not be tolerated, and I demand consistency when speaking to the associates at this or any other bank.

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 2021-06-22 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: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a complaint to Experian in reference to my Statement, That i am a victim of identity theft. The requested authorization from me. I XXXX XXXX give authorization to Experian to proceed with my complaint.

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 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid XXXX XXXX {$590.00} pursuant to a statement I received from them the previous month. For whatever reason, unknown to me, XXXX turned my bill ( which was paid in full ) over to Professional Finance for further collection. When they called in XXXX, XXXX, I told them I had paid. They required a receipt. My husband IMMEDIATELY went to XXXX and obtained the receipt showing payment in full two months prior. I forwarded the receipt to Professional Finance. In spite of this proof, they reported me as a no-pay to the credit agencies. I disputed the debt and provided proof of payment to Professional Finance and all 3 credit bureaus via certified mail. That was a month ago. Today, they started calling again saying the payment to XXXX did not count. Unknown to me, XXXX refunded the money to my credit card XX/XX/XXXX. I have no idea why and they will not respond. Countless calls to both XXXX and Professional Finance. HOURS on the phone with Professional Finance and the Billing Dept at XXXX. No resolve. These clowns have obliterated my XXXX credit score while I am trying to buy a new building for my law firm. Due to this misinformation, my credit is now in the low XXXX. I am a RE attorney so this is not in my wheel house but I want to learn more about consumer protection so I can assist other victims of this outfit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 was charged a late fee for {$29.00}. I have never been late on this account. I never received the statement via the USPS. I contacted Wells Fargo in writing asking for the fee to be waived. Wells Fargo sent my a huge packet of statements instead and did not address my written request.

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 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc
State: CA

Complaint narrative:
On XX/XX/2021 I received a notification from XXXX, XXXX and XXXX that my credit score decreased due to company called Bay Area Receivables Inc reporting erroneous debt. I never received information in the mail in regards to this debt nor was I ever contacted via phone. Bay Area Receivables reported 6 items presumed to be medical debt ranging from XXXX to XXXX dollars reporting on XXXX XXXX and XXXX I proceeded to dispute information with all the three bureaus online, and XXXX  was the only one to delete the information related to this company. On XX/XX/2021 I sent a validation/verification letter certified mail to bay area receivables to prove the debt. They did not respond within the allocated date of 30 days. I mailed certified letters to XXXX and XXXX requesting them to remove All negative accounts associated to Bay Area Receivables due to no response. XXXX Deleted all information immediately and XXXX did not. May Complaint is XXXX has yet to remove this negative items from my credit report following request to do so, and the fact it was removed by the other credit bureaus.

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 monetary relief
Consumer complaint received 2021-06-22 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: CA

Complaint narrative:
There is one account on my credit report that does not belong to me this is not my account I have not used signed or authorized this account I need this removed from my credit report!!! 

XXXX  - Account # XXXX XXXX XX/XX/2020 XXXX $ {$11000.00}

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 2021-06-22 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: CA

Complaint narrative:
There is one account on my credit report that does not belong to me this is not my account I have not used signed or authorized this account I need this removed from my credit report!!! 

XXXX  - Account # XXXX XXXX XX/XX/2020 XXXX $ {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have a XXXX account. I been constantly fighting this account and stating this is not my account. The month they say is late i have proof i was with XXXX so this should not be showing up on my credit at all. Im XXXX and this has been a ongoing thing and Ive been working on my credit day in and day out. This really saddens me to know as I am fighting this war this is a another issue I am having to fight. I just would like this remove so i can continue my credit journey and growth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CA

Complaint narrative:
The following account is an account that is a result of identity theft this account does not belong to me. I have requested in the past XX/XX/XXXX method of verification which includes a signed contract with my signature that shows I opened this account. My address at the time the account was opened as well as now differs from the address the bank had on file at the time. I have provided an FTC complaint, police report, and notarized statement for this fraudulent account. I have also provided proof of my address at the time the account was opened. I am requesting the proof you possess that allows you to continue reporting this account as none has been provided but I provided all the proof that is needed to completely deem this item as identity theft. Please provide your method of verification and if you can not verify this item, or if there is any inaccuracies shown in this, which one I have pointed out is my address verification in XX/XX/XXXX which shows that it is not verifiable that this account belongs to me, you are required to stop reporting immediately. 

The address at the time account was opened is ( Unverifiable and Inaccurate ) I have never lived at that location. 
A contract that has my signature and proof that I opened this account ( Unverifiable ) Who actually opened the account ( Unverifiable ) I have outlined several instances paired with my Identity theft information that shows this account can not be verified as mine. Show me what you have, which is allowing you to continue to report this fraudulent item. 

This mark is hurting my credit and making it impossible to obtain credit and housing. I have attached my police report, FTC complaint, notarized statement of truth, and proof of address from XX/XX/XXXX. Please help me resolve this matter.

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