vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: PA

Complaint narrative:
I contacted Bay Area Credit services about settling my debt with XXXX XXXX XXXX. XXXX around XXXX of this year.I first offered monthly payments but they wanted nothing to do with it but settled on a one-time payment of around $ XXXX.So I gave them my debit card number and repeated back the confirmation number of payment they did not repeat it back but hung up on me. So feeling uneasy about this I canceled my payment and researched the company. I found out they were not on the up and up and more than likely a scam service. many complaints have been made against this company I do not trust them with my financial information whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: FL

Complaint narrative:
I have tried to dispute a credit report error to XXXX, Experian, and XXXX for months without any success. 


I am writing to you regarding the late derogatory mark on my credit report for an error that could have been avoided and that is impacting my life. A late payment was removed from my XX/XX/2018 credit report ( XXXX XXXX ) with all three credit reporting bureaus. 
I switched banks in XX/XX/XXXX which an auto draft was taking payments out of. When it occurred to me that the payments were going late I contacted card services and requested a new card. The card was sent to a very old address that was never updated in your system. I called immediately that day once I found out XXXX was attempting to deliver an overnight envelope to my old address but your office would not allow it to be re-routed or held at a XXXX location. I had to wait another 30 days for it to be sent United States Postal Service ( Slowest way to send it ) which is not guaranteed. There is no telling when it arrived. 
When I received my card I made a payment which got rejected for some reason and made the late payment worse. I was able to make the payment and get back on track. As you can see, I have been making larger payments to cover my balance. 
This is the 5th time I have called and now I am having to write to have this removed. The late payment is inaccurate and needs to be removed from my credit score. You already removed one month out of the two so why was the 2nd one not removed?

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 2019-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I wanted to cash out {$14000.00} and put it into my safety deposit box at Wells Fargo. I cashed out {$14000.00} from my saving account. Two Wells Fargo employee went to the vault to get the {$14000.00}. They came back with an envelope and handed it to me. The receipt showed the {$14000.00} withdrawal and I put the receipt inside the envelope. 
Immediately after, another Welles Fargo employee escorted me to safety box deposit box, where I put the envelope that they handed to me inside my safety deposit box in front of the Wells Fargo employee. Then I left the bank. 

Two weeks later, I return to the bank to retrieve the money and open CD with Wells Fargo. I got the envelope and brought it to the Wells Fargo Representative. The Wells Fargo Representative counted the money in the envelope and told me there was {$4000.00} in the envelope instead of the XXXX I had received from the Wells Fargo employee 2 weeks prior. Please note this envelope never left the Wells Fargo facility from the time I withdrew the money until I wanted to reinvest it into the CD.

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 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX SC XXXX CARD XXXX {$1300.00} there was several transactions attempts via my debit card in a short window of time. with only one notice from my bank. 

Dispute filed on XXXX shortly after text message was received from my bank that the transaction was processed according the tech support of Wells Fargo I noticed my wallet was missing when we attempted to search for the card used for the transaction ( s ) I do not have a issue of reporting disputes with transactions, the last dispute that was not resolved via Wells Fargo was XX/XX/2018. 

Police report filed XXXX. 

I need this resolved with urgency, it wiped out my whole paycheck, its the first of the month, I have a lot of bills that need payment and i can not render any payments without access to my funds. 

My card has been replaced, awaiting it in the mail those numbers of transaction attempts, returns, processes on my account, without the stopping it.. after the 2nd time i would have stopped it, and then it was refunded!!! what the heck it should have been frozen then but no it was posted back to my account and then wiped out again. then all they can say is it is PENDING, are you kidding me THE TRANSACTION SHOULD HAVE BEEN STOPPED ON THE SPOT WHEN I CALLED AND TOLD YOU TO STOOOPPPPPPP IT!

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 2019-07-09 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: TX

Complaint narrative:
ftc violation accounts showing up on my credit that I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: FL

Complaint narrative:
I have tried to dispute a credit report error to XXXX, XXXX, and TransUnion for months without any success. 


I am writing to you regarding the late derogatory mark on my credit report for an error that could have been avoided and that is impacting my life. A late payment was removed from my XX/XX/2018 credit report ( XXXX XXXX ) with all three credit reporting bureaus. 
I switched banks in XX/XX/XXXXwhich an auto draft was taking payments out of. When it occurred to me that the payments were going late I contacted card services and requested a new card. The card was sent to a very old address that was never updated in your system. I called immediately that day once I found out XXXX was attempting to deliver an overnight envelope to my old address but your office would not allow it to be re-routed or held at a XXXX location. I had to wait another 30 days for it to be sent United States Postal Service ( Slowest way to send it ) which is not guaranteed. There is no telling when it arrived. 
When I received my card I made a payment which got rejected for some reason and made the late payment worse. I was able to make the payment and get back on track. As you can see, I have been making larger payments to cover my balance. 
This is the 5th time I have called and now I am having to write to have this removed. The late payment is inaccurate and needs to be removed from my credit score.  You already removed one month out of the two so why was the 2nd one not  removed?

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 2019-07-09 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:
I have tried to dispute a credit report error to Equifax, XXXX, and XXXX for months without any success. 


I am writing to you regarding the late derogatory mark on my credit report for an error that could have been avoided and that is impacting my life. A late payment was removed from my XX/XX/2018 credit report ( XXXX XXXX  ) with all three credit reporting bureaus. 
I switched banks in XX/XX/XXXX which an auto draft was taking payments out of. When it occurred to me that the payments were going late I contacted card services and requested a new card. The card was sent to a very old address that was never updated in your system. I called immediately that day once I found out XXXX was attempting to deliver an overnight envelope to my old address but your office would not allow it to be re-routed or held at a XXXX location. I had to wait another 30 days for it to be sent United States Postal Service ( Slowest way to send it ) which is not guaranteed. There is no telling when it arrived. 
When I received my card I made a payment which got rejected for some reason and made the late payment worse. I was able to make the payment and get back on track. As you can see, I have been making larger payments to cover my balance. 
This is the 5th time I have called and now I am having to write to have this removed. The late payment is inaccurate and needs to be removed from my credit score. You already removed one month out of the two so why was the 2nd one not removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I sold a large piece of shop equipment ( a XXXX XXXX ) through XXXX. The buyer paid by check for {$11000.00}, which including paying for the machine itself ( {$9500.00} ) and additional payment for disassembling the machine ( {$2000.00} ). I said to the buyer : " a check is fine but I'm not giving you the address of the machine or access to disassemble until the check has cleared. '' The check did clear in 48 hours and all funds were in my checking account and so I gave access to the machine so that the buyer 's disassembler could start disassembling / packing - and, as I had agreed with the buyer, I paid the buyer 's disassembler $ XXXX. Five days after the check had clear, Ally Bank " uncleared '' the check and took {$11000.00} out of my savings account, claiming that either the check was fraudulent or insufficient funds. Ally Bank claims it was my responsibility to ensure the check was valid - but Ally Bank 's own terms and conditions / FAQs, etc. place no such burden on me and in fact state the opposite : that funds from checks should clear within 48 hours unless Ally Bank places a hold for further diligence ( which didn't happen ). But for Ally Bank 's incompetence in clearing the check, I would not have paid the disassembler $ XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09 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: TX

Complaint narrative:
ftc violation accounts showing up on my credit that I have no knowledge of XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-09 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: TX

Complaint narrative:
ftc violation accounts showing up on my credit that I have no knowledge of XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
this is a garnishment from XXXX that was resolved as a fraud account i never received any court notice or judgment against unit now which is XXXX the judgment was filed XX/XX/XXXX the issue or matter was with wachovia bank which is now wells fargo bank and have no debt information in my name or associated with my social the debt collector asset acceptance has close my bank account for a debt that is XXXX years old and is past the statue of limitation which in a fraud case is 3 years in the state of maryland the debt was not on my credit report or history

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 2019-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: NJ

Complaint narrative:
I was admitted to XXXX XXXX in XX/XX/2017. Documentation as to whether or not I received intravenous contrast dye was poor. Middle record records indicate I received the contrast dye after the procedure was completed. The radiology company administering the test identified an error in their medical record system that they have not corrected. Thus they can not prove objectively that contrast was administered except to look at the radiology films which they have not provided me in a readable format. Despite the radiology company having my correct address and telephone number, I never received any bills at my residence for this service. They then sent the bill to the respondent for debt collection. Despite having the correct address and telephone number for my residence from the radiology company and having access to my credit report, the debt collector made no verifiable attempt to give me a call by telephone or send me a letter. They claim that they sent me a letter via regular mail but they can not prove its being sent or being received. Despite having my correct address and telephone number and access to my credit file, The debt collector continue to call an unrelated individual with the same last name. After not receiving a satisfactory response or payment, they placed the adverse account to my credit report. This caused me to lose a high security job offer worth {$180000.00} in salary annually. 

If the bill is in the road, I would like to pay it. However I expect to be compensated for my damages as a result of the deck collector not providing me with the opportunity to dispute the debt in a timely fashion or providing me with any notice that a debt actually was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion continues to report a collection agency and at this time it's XXXX XXXX. 
Prior to that, it was XXXX XXXX. I disputed it early in the year and it was removed by them but again just recently it popped back up on my credit report. I call them today and talked to a dispute specialist who said i can dispute it again ( really not comprehending the problem of different companies at different times placing this on my credit report with them ) which does no good. I'm tired of being hassled by some imaginary debt back in XXXX and them providing no assistance in understanding the true issue. Now, just yesterday I received a notice from another company called XXXX XXXX XXXX XXXX XXXX claiming I owe them and most likely report it to Transunion as well. The other two bureaus, XXXX and XXXX   don't report this random debt but Transunion doesn't care. I'm was in the middle of a refinance on my home when i was blindsided with this because it dropped my score by 8 points according to XXXX where I have a premium account to monitor such activity. 

Also, i pulled up and read the 2003 Fair Accurate Credit Transaction law and in section 611-15 section B, paragraph i-iii states that the credit bureau agency shall notify in the consumer of reinsertion not later than 5 business days after the reinsertion. I was never notified by Transunion, or XXXX XXXX, XXXX, XXXX, XXXX XXXX and everytime they make a report my credit score drops by 8-12 points. Please help so i don't have to get an attorney involved.

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 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
According to the XXXX XXXX XXXX XXXX, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect collect a debt from me. I mailed them the template collections letter that this website provides on XX/XX/19, and the section from the XXXX that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the XXXX because it corroborates the policy set in place that I am talking about. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello CFPB, I would like to file a complaint against PayPal for first freezing access to my funds ( {$1700.00} ) in my PayPal Business account. While I am still able to keep receiving payments, I am unable to withdraw or utilize the funds received, secondly any new money being received when sales occur on my XXXX XXXX XXXX, it is also being blocked which currently has a balance of {$2800.00} and climbing, so all together the amount I have frozen currently stands at {$4600.00} and climbing. 

I received an email from PayPal and in looking for the referenced Case XXXX and NOT finding it in Pacer which is a government website that offers Public Access to Court Electronic Records in all the US, ( https : //www.pacer.gov/login.html ) leads me to believe this case if a scam or fraudulent, and that perhaps PayPal was tricked into taking action on my account without verifying the case number was real or doing any due diligence. Because of these freezes from PayPal, I am currently unable to pay my creditors ; I contacted PayPal on the matter of which they had NO information on EXCEPT to reference back to the message and contact XXXX XXXX XXXX, XXXX at XXXX. I have both emailed and called XXXX XXXX XXXX, XXXX and spoke to their secretary and left messages for their attorneys to call me back and have heard nothing back, meanwhile my bills continue to go unpaid. 

I also received a strange message on my XXXX messages guiding me towards representation and I noticed that the message was sent to me from an XXXX account that was created the SAME day it was send XX/XX/2019, increasing the likelihood that it is a SCAM or Fraudulent. 

Below is the Law firm that is supposedly handling the case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX attorney in XXXX, Pennsylvania XXXX XXXX XXXX XXXX, Pennsylvania XXXX Phone : ( XXXX ) XXXX XXXX Fax : ( XXXX ) XXXX XXXX Email : XXXX Website : XXXX : XXXX XXXX : U.S. District Court for the Western District of Pennsylvania Plaintiff : XXXX Court Case Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXl. ; Case XXXX I really need some help with this matter and I feel like I am getting nowhere myself and need your help to stop this abuse on my PayPal Business funds. Thank you and I look forward to your guidance and assistance. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Here are copies of our account numbers and copy of cancelled checks that our title company sent with all of our information to Navient and to payoff {$70000.00} of Student loans we co-signed for our son. All of these checks were cashed by Navient on XX/XX/2019 and were to be credited to our account. NOTHING HAS BEEN DONE TO CREDIT OUR ACCOUNT! Instead we have been dunned like bad debtors as well as being told we are going to be charged interest and Late fees for the last 3 months! 

We are at a total Loss and distraught due to the fact we took out a 2nd mortgage on our home so we are paying for this too! 
We need to have this cleared up so we can live our lives and keep working to get our XXXX   child through XXXX XXXX. 

PLEASES HELP! 

XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NC

Complaint narrative:
I have successfully disputed this account and had it removed from my credit files. It recently showed up again on both my XXXX and XXXX credit reports XX/XX/2019 with no notification to me. 

Its using 2 company names XXXX and Amerifinancial Solutions

Company response to consumer: Closed with explanation