vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Tried disputing keeps being verified, went to there office was told the debt was sold wouldnt tell me who or what and was asked to leave, I asked for all original signed documentation to prove I dont owe anything to this company but was asked to leave

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo overdraft fees over the many years I have been a customer of theirs

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 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I was receiving bills that I did not owe. I used XXXX as my prepaid subscription before and not what it says in the debt collectors. I always use an autopay for my cellphone subscription. Whenever I got a late payment, they automatically cut the line, so how can I have a bill such as this? This company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened a new account with Truist on XX/XX/XXXX with an opening deposit of {$250.00}. 
I tried to log into my new account on XX/XX/XXXX and could not access my online account. I was told to go into the bank to show my ID to resolve. 

I went back the following week and they were able to unlock my account at the local branch. My company attempted to direct deposit my paycheck to the Truist account on XXXX, but the direct deposit was rejected. 

I found I was locked out of my account again and that my account was charged a {$12.00} service fee on XXXX because a direct deposit had not been made to the account yet. I went into the local branch on XX/XX/XXXX in an attempt to resolve the issue. 

The local branch then notified me that corporate Truist intentionally rejected my direct deposit and then closed my account. 

I feel like Truist basically stole {$12.00} from me by forcing me in a situation where I was not able to make deposits to the account to avoid the service fee and then ultimately closed out the account. 

The local branch told me they could not refund the fee as it was put on the account by corporate and corporate Truist told me the local branch had to handle. They had me stuck in the middle of their ineptitude.

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 2023-03-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a 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 2023-03-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank I pay my rent through bill bay, however, back in XXXX the check was intercepted and someone washed my landlord 's name from the check and inserted their name. It has been over 4 months now and I recently received a letter stating the case has been closed because the other bank " XXXX XXXX XXXXXXXX '' has not responded. The amount due to me is {$2200.00}. I believe being a " Chase Private Client '' they should take care of their clients. The bank should have covered the amount as the check was sent from Chase, then follow up with XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX. 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'm trying to get a new home and these items will not get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX. 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'm trying to get a new home and these items will not get me approved. 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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
The XXXX website is having serious isssues. I was able to obtain my Transunion report, but I had to refresh my browser and print to PDF instead of being allowed to save. XXXX then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over 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 non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
The XXXX website is having serious isssues. I was able to obtain my XXXX report, but I had to refresh my browser and print to PDF instead of being allowed to save. Experian then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over 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 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
I received a letter from Pressler, Felt, and Warshaw regarding an alleged debt that I owed. I sent them a letter on XX/XX/2023 asking them for information, proof, and to dispute the alleged debt. I did not receive a response. I sent a second letter to Pressler, Felt, and Warshaw on XXXX XXXX asking them for information, proof, and to dispute the alleged debt. I again did not receive a response. I then sent letters to all three Credit Bureaus on XXXX XXXX asking them for assistance on verifying this alleged account to see how they verified this information since I was not able to reach them. On the XXXX of XXXX I then received letters from XXXX. XXXX provided statements of an alleged account that I have no idea what it is for. I still did not receive anything other than a bill to see how I was the person who owed this debt. 
Also this account is reporting inaccurately on all three credit bureaus. It is actually listed twice on my credit report as XXXX separate accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
Attempted to dispute a debt collection from Sunrise Credit Services , IncXXXX Called in to dispute which they have record of the end of XX/XX/2023. Never received communication of that dispute and they reported it to my credit bureau. Phone call and they admitted they never sent any communication and they always had my correct address.

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On Saturday XX/XX/23 aprox XXXX my account was hacked into. The person stole about XXXX from me and decided to charge it all at a XXXX. I live in MD were no XXXX  are available. The person got access to my entire account and wiped it clean. The person charge over XXXX transactions at this place. My bank never notified me. I have also filed a police report. This person faked a text pretending to be CHIME bank and sent me a text to verify a purchase over {$500.00}. I immediately pressed No and that was their entrance to take over the account. This incident took place from Saturday night to Sunday. I can not survive without my money. These people are really damaging lives. I'm so disappointed my bank didn't catch this. Why would they see over XXXX transactions at XXXX place and not do anything about. Not one call or email to notify me of this suspicions activity. They transferred over XXXX from my account and sent there selves XXXX several times and spent the rest at XXXX over XXXX plus times. PLEASE HELPPPPPPP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 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: TX

Complaint narrative:
i've paid to delete a collection account and i haven't get any notification from the collection agency stating that they are going to delete the collection account from my credit report.

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 2023-03-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
As trustee, I opened a CD in the name of my mother 's irrevocable trust. She XXXX XXXX on XX/XX/XXXX and I contacted Ally Bank to close out the CD. I was told since shXXXX XXXX XXXX the CD can be closed without any early termination penalties and XXXX from Ally set up a XXXX report and issued a reference number XXXX. I was instructed on XX/XX/XXXX to fax the XXXX certificate, a copy of my DL and instructions for depositing the funds, which I did on XX/XX/XXXX. I was told that once the information is received it would take XXXX business days to process the request. When I did not received the funds or any correspondence in XXXX business days, I contacted customer service on XX/XX/XXXX. On XXXX I spoke to XXXX who had no information on my request and escalated my request to a XXXX for review and that should take XXXX business days. I called back on XX/XX/XXXX and spoke to XXXX. She told me that the transfer has been inititated and it should take XXXX business days and I should call back on XX/XX/XXXX. I called on XX/XX/XXXX and spoke to another representative who told me it should be another XXXX days. I asked to speak to a supervisor and was connected to XXXX. He told me that XXXX should never had told me that the transfer has been initiated because that was not true. XXXX told me that they are waiting for FIS to inititate the transfer- and that should take another XXXX days. 

I have done everything the bank has asked me to do and I am very concerned that every time I call, a customer service representatve tells me to wait another XXXX business days. No one can give me a definitive answer as to when this money will be released and I feel they are holding it XXXX. This money is needed to pay for the care my mother received up until her death and I want Ally Bank to be accountable - something needs to be done.

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 2023-03-14 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: DE

Complaint narrative:
I sent out a letter in XXXX and also called the company, To remove information that was not mine, nor did i want on my credit profile. According to the Fair Credit Reporting Act 12 USC 1681, i have the right to privacy. Also according to 15 USC 6802, No financial institution is not allowed to share my information with third party people These are clear violations of my federally protected consumer rights

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 2023-03-14 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: TX

Complaint narrative:
Dear PayPal Customer Support Team, I am writing to you today to formally lodge a complaint regarding the permanent limitation that has been imposed on my PayPal account. I am hoping that you can consider my request to have my access restored. 

On XX/XX/2023 XXXX, I was notified by PayPal that my account had been permanently limited. This decision came as a surprise to me, as I have always used PayPal in accordance with your policies and guidelines. Furthermore, I have never been involved in any fraudulent activities or any other violations of PayPal 's terms and conditions.

Despite my attempts to contact PayPal 's customer support and resolve the issue, I have not received any clear explanation as to why my account was limited. This has caused me great inconvenience and has put me in a difficult financial situation, as I have been unable to access my funds or make any transactions through my account.

As a result, I respectfully request that PayPal reconsiders its decision and restores my access to my account. I am more than willing to provide any additional information or documentation that may be required to resolve this matter.

I would like to emphasize that I have always valued my relationship with PayPal and have always trusted your company to provide me with a safe and secure platform to conduct my online transactions. Therefore, I hope that this issue can be resolved promptly and that I can continue to use PayPal 's services as I have in the past.

P.S : I have attached my valid photo id with this complaint as a proof of genuine identity holder.

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX for years has blocked access to the federally guaranteed free annual report unless you provide a phone number and email, conditions that are inconsistent with the law guaranteeing access. Now Equifax is doing the same, and the website that hosts the free reporting has a button to lodge complaints but they call them " comments '' and my repeated comments have resulted in no action. Everyone 's answer is " you can get your report by mail '' but the Fair Credit Reporting Act does NOT say consumers have a right to a report online IF they disclose phone numbers and email addresses and so there is no question that XXXX and Equifax are flagrantly violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TX

Complaint narrative:
To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately.

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 2023-03-14 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: TX

Complaint narrative:
To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I have listed these items below for your reference : XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

XXXX  - Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I request that you remove this frivolous account immediately from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

DEPT OF ED/XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

Thank you for your attention to this matter. I hope that you will be able to resolve these issues and make the necessary corrections to my credit report. 

Sincerely, XXXX 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 non-monetary relief