vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
On XX/XX/2021 I, consumer XXXX XXXX received a letter dated XX/XX/2021 from Halsted Financial Services attempting to collect an alleged debt. I did not request for them to send me any mail to my home or place of work. I am highly concerned about the safety and integrity of my privacy and I am disputing this alleged debt from the mentioned debt collector in pursuant to 15 USC 1692g. I strongly believe Halsted Financial Services is in violation of several federal laws including but not limited to 15 USC 6801.  They did not have my permission to have any access to my personal information and the access they have does not bring any value to me as consumer. I have material evidence that shows where they violated the federal law and used misleading tactics to attempt to deceive me into paying this alleged debt. The communication I received from Halsted Financial Services violates 15 USC 1692c and is highly inconvenient to my peace of mind and privacy to my abode and place work. Halsted Financial Services also violated 15 USC 1692b ( 2 ) stating to me the consumer by mail that they are attempting to collect debt several times in the postcard. The postcard that was sent to my address by Halsted Financial Services was also in violation of 15 USC 1692b ( 4 ). Halsted Financial Services used a branded logo on the postcard that was sent in the mail to my address that indicated they were in fact in the debt collection business which violates 15 USC 1692b ( 5 ). The language that was used in the postcard sent from Halsted Financial Services was obscene and profane and did not bring any value to me the consumer, and the language used in the contents threatens to harm my reputation which violates 15 USC 1692 ( d ) ( 1 ) and 15 USC 1692d ( 2 ). Halsted Financial Services posted discounted advertisements in the contents of the postcard to coerce me into paying the alleged debt which violates 15 USC 1692d ( 4 ). Halsted Financial Services showed a positive balance in the contents of the postcard that was allegedly owed on. I am not sure how or why anyone would pay on a positive balance. Therefore the debt collector is in violation of 15 USC 1692e ( a ) and 15 USC 1692e ( 10 ). In the contents of the postcard, there were several mentions of other persons named as the debt collector as well as Halsted Financial Services. They are violating 15 USC 1692e ( 14 ) and 15 USC 1692f ( 8 ) with these actions. The fact this deceitful postcard was made by Halsted Financial Services and sent to my abode and place of work violates 15 USC 1692j. It is fact that Halsted Financial Services violated several federal laws against me the consumer and it is fact that Halsted Financial Services has a civil liability under 15 USC 1692k ( 1 ) ( a ) to provide a remedy for the damages and inconveniences they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: PA

Complaint narrative:
On or about XX/XX/XXXX a check ( written on my Wells Fargo account ) was issued to a friend for {$170.00}. As it happens she attempted to deposit this check in her Wells Fargo account., She informed me she received a text message stating that the check could not be deposited and she should come into Wells Fargo bank.for an explanation. I as contacted immediately. This check was clearly covered and I couldn't understand what the problem is. I immediately called Wells Fargo customer service. I was told in so many words that " they '' could hold a check as long as they want to, but there wasn't any problem with my account and the problem lied with my friend, When I told him her account was with Wells Fargo to he could nlt offer anything except to tell her to come into the bank. This was not acceptable but rather than make a fuss, she decided to depsoit in another bank account and no problems occurred. On XX/XX/XXXX, I issued a % XXXX check to another friend, who also had account with Wells Fargo. He too had the same issue. He did not want to go into bank, tried to deposit at the ATM. I called again to ask was there something wrong with my account. Again, I was told there was no problem it was probably with the friend 's account. Again, I told them he had an account there as well.XXXX  XXXX, XXXX a check for XXXX, same problem except he was trying to cash it. I called them and they said the check was pre-dated. So I wrote reicpient another check seemingly no further problem.XXXX XXXX, XXXX, the recipient of the XXXX received another check I wrote for XXXX ( well covered balanace ) same identical issue, same response. I don't know why, they won't give information and I believe I am being targeted in some way. Most times I have at least a balance of XXXX in checking and XXXX in savings. Not sure why this is happening or why I get vague and unconvincing answers. Please help, I don't like dealing with cash, and for other banking issues I don't you use debit purchases anymore as my card kept kgetting " declined '' for no reason. can you help?

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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: M&T BANK CORPORATION
State: LA

Complaint narrative:
- A loan agreement was entered into between XXXX XXXX XXXX and M & T Bank on or about XX/XX/XXXX. 

- On XX/XX/XXXX, a discussion between XXXX and I came to the conclusion that we should have received some type of statement, by now, from M & T Bank regarding a first payment being due. At that time, we reached and were told that we did, in fact, have a payment due on XX/XX/XXXX. Seeing as how we were late, we made that payment over the phone and verified our billing address in order to begin receiving monthly statements. 

- Received my next months statement ( attached ) in the mail for XX/XX/XXXX XX/XX/XXXX, paid it online on XX/XX/XXXX. This was the only statement ever received from M & T Bank. 

- Next months payment was made on XX/XX/XXXX online, but no statement was received. 

- Enrolled in XXXX on XX/XX/XXXX via a mailed document ( attached ). 

- On XX/XX/XXXX at XXXX CST co-signer of the M & T XXXX XXXX XXXX XXXX XXXX XXXX received a phone call that there was a past due amount on our XXXX XXXX. The call seemed somewhat unprofessional and invalid, thus triggering XXXX to believe that the call was fraudulent. An attempt was made to collect payment, but was denied due to the call seeming bogus. XXXX made a call to me to let me know, but I was driving at the time and did not look into the call until I got home. Upon arriving at home at roughly XXXX, I looked on the M & T app and realized that the call was accurate. This triggered me to enter into a payment for the past due amount of {$330.00}. This was the first contact that was made by M & T Bank regarding any type of past due amount. No phone calls, no written contact until XXXX ( CST ) XX/XX/XXXX. 

- On XXXX I was notified by my credit monitoring agency that my credit had taken a substantial hit for a delinquent account ( M & T Bank ). 

- A letter XXXX attached ) was written and sent on XX/XX/XXXX to dispute this claim with M & T Bank, explaining the circumstances, and requesting the derogatory remarks be removed from my credit report. A reply letter ( attached ) from M & T Bank was written on XX/XX/XXXX, and received on XX/XX/XXXX indicating that no action would be taken by M & T Bank in regard to removing the derogatory remark from my credit report. A second letter XXXX attached ) was generated, by myself, on XX/XX/XXXX regarding their decision to take no action. 

We are of the opinion that there is some type of communication disconnect between M & T Billing Department XXXX M & T Customers, and the M & T Collections/Credit Department, and that our credit scores should not reflect this negligence. As stated previously, both XXXX and my credit scores have been immaculate up until this incident.

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 2021-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Kia Motors finance has reported 30 day on this car lease account which was due to COVID19 and Kia motors offered deferment/ forgiveness of payments and late fees due to disaster conditions. Stated they would not be damaging my credit for offered differed payments HOWEVER, THEY DID REPORT 30  DAY FOR XX/XX/2020 AND XX/XX/2020 ....

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 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a targeted XXXX XXXX XX/XX/XXXX in which the bank froze my account until I bring in proof that I was approved to get these funds. I also received an XXXX loan a XX/XX/XXXX in which the bank did not freeze my account. They are requesting me to go in the branch with documentation that I was indeed approved by the agency to get the XXXX portion in order for my account to be unfrozen. The bank advised me they have the right to scrutinize funded sources and money deposited into my account no matter what law it comes from. I'm a small business owner with less than XXXX employees and I do not issue 1099- for i'm not an XXXX nor do I operate as one. The bank states any economic XXXX grants or loans from SBA have to be deposited into a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
Franklin Collection Services of XXXX, MS appeared on my credit report at the end of XXXX, XXXX. They allege I owe them {$80.00}. I don't know them, I have never heard from them, and I most assuredly do not owe them {$80.00}. XXXX, the nonprofit legal firm that assists XXXX, XXXX senior citizens  wrote them on my behalf at the beginning of XXXX. Helps told Mr. XXXX that I am an XXXX XXXX receiving only protected social security income, and that there was nothing to be gained here. Instead, Franklin Collection constantly updated my credit report on XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. This lowered my credit score 26 points. This was totally unnecessary and abusive, oppressive harassment in it's purest form. For the record, I have been an XXXX XXXX XXXX customer for years and they do not have a problem with me. So, I really don't understand why Franklin Collection Services took it upon themselves to harass a XXXX senior citizen in the middle of a global pandemic. My only concern right now with my underlying health conditions  is trying to stay alive. I would appreciate it if these folks would delete this from my credit report and just leave me alone. Thank you. Everybody stay safe and be blessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit score dropped by over 100 points from XX/XX/XXXX to XX/XX/XXXX. 
I have reviewed my credit report and all 3 scores from the main credit bureau. There are 2 accounts in question - my student loan account and my XXXX XXXX credit card. 

I was severed from my job in XX/XX/XXXX. My unemployment benefits ran out in XX/XX/XXXX and at the same time, my APR for that XXXX XXXX credit card increased from 0 % to 19.5 %. I was making payments, on time, but because of the increased credit rate, it put me over the credit limit and the payments I was making were still considered " late '' because I couldn't pay the entire amount. 

If you review both the student loan and credit card history, I have made timely payments for 3+ years. While I had an unfortunate circumstance due to the job loss and lack of income, that should not have affected my credit score by over 100 points in 30 days. The accounts previously mentioned are both current and have been since XXXX and XXXX and are in good standing. In reaching out to all 3 credit bureaus, I can not get an answer on WHY my credit score dropped so significantly in such a short amount of time. Also, due to Covid/Job loss, I would expect some grace would be given in this cirucmstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit score dropped by over 100 points from XX/XX/XXXX to XX/XX/XXXX. 
I have reviewed my credit report and all 3 scores from the main credit bureau. There are 2 accounts in question - my student loan account and my XXXX XXXX credit card. 

I was severed from my job in XX/XX/XXXX. My unemployment benefits ran out in XX/XX/XXXX and at the same time, my APR for that XXXX XXXX credit card increased from 0 % to 19.5 %. I was making payments, on time, but because of the increased credit rate, it put me over the credit limit and the payments I was making were still considered " late '' because I couldn't pay the entire amount. 

If you review both the student loan and credit card history, I have made timely payments for 3+ years. While I had an unfortunate circumstance due to the job loss and lack of income, that should not have affected my credit score by over 100 points in 30 days. The accounts previously mentioned are both current and have been since XXXX and XXXX and are in good standing. In reaching out to all 3 credit bureaus, I can not get an answer on WHY my credit score dropped so significantly in such a short amount of time. Also, due to Covid/Job loss, I would expect some grace would be given in this cirucmstance.

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 2021-04-07 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: FL

Complaint narrative:
Ive had a PayPal account for many many years. Out of nowhere they emailed me and told me I can no longer use PayPal. I spoke to customer service and they said they cant tell me why the decision was made. Neither person I spoke to could find any reason for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Invalid Debt was reported to credit bureaus

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 2021-04-07 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: MD

Complaint narrative:
there are inaccuracies on my credit report i submitted a dispute was never notified of the results so i resubmitted the dispute and Transunion is refusing to investigate and delete the inaccuracies on my 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 explanation
Consumer complaint received 2021-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So back in XXXX I noticed a bunch of error on my credit report. I reached out the the comapanies to fix the issue and most of them have but their are a few that still have not fixed it. 

XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX Not mine but it is reporting Bank of America account number XXXX opened XX/XX/XXXX I have been trying to reach them about this account that was opened that i was not aware off. They refused to submit documents or even report the account number so i can challenge it. 


Errors from XXXX XXXX account number : XXXX opened XX/XX/XXXX Ive had these guys and they told me that they were going to forgive the late payments due to the hardships i was having at the time.

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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A hard inquiry was made on my credit report today, XX/XX/2021. 

It was made by a government agency - US SM BUS ADMIN ODA I am concerned about fraud involving applications in my name perhaps for SBA loans and COVID disaster relief.

I DIS NOT APPLY for COVID relief or any other SBA loan or program. I AM ATTEMPTING TO contact the SBA and report the fraud, as well as disputing the hard inquiry.

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 2021-04-07 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: MI

Complaint narrative:
Experian has refused to correct inaccurate public record with them. 
They claim Bankruptcy is being reported as accurate by XXXX XXXX. 
On XX/XX/2021 XXXX XXXX has fixed issue and deleted public record of Bankruptcy on my report. 
I have sent in copy of deletion to Experian and proving it was inaccurate and they have deleted it from there file. 
Experian has refused to correct my file and has claimed it is being verified as accurate. 
No other credit reporting agency has this on my file and Experian has refused to stop reporting inaccurate information.

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 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2021 I purchased some thing using XXXX and the person lied and said they never received the money but my bank PNC said they saw it they received it but to call back the next day once it posts so I waited a whole XXXX hours like the bank said then when I called back and file the claim in a dispute I have a police report the bank pretty much told me theres nothing they can do and Im out of the funds so Im like so this person can steal {$250.00} from me and theres nothing anyone can do they got my money and lied and I have texts to prove my case I am fed up with pnc XXXX shouldnt be a scape goat for these scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/2021 I received a call from Ally Bank fraud protection department that if I just made multiple withdrawals from my account. I said no. They asked if I had my debit card at hand, I said yes. The were other withdrawal attempts after but were refused due to this act. I disputed the amounts told and was refunded days later. There was an investigation made by the bank and their result was that the transactions were my liability since the pin number was entered only once and to them that claims that I withdrew the funds. I called and disputed again and they insist that the withdrawals were legit. I keep calling to dispute and still same result. These transactions in question were withdrawn at a location that was XXXX miles away. I even sent a picture of myself for comparison to the ATM photograph and still same result.

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