vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berman & Rabin, P.A.
State: TN

Complaint narrative:
I used XXXX for the purchase of my CPAP. I was never informed it was a rental, was sent unbelievable amounts of supplies and billed. I was never told I had to go back to them and have another test. Besides, XXXX does not tell me I need more testing my doctor does. They never billed my insurance even though they have the information. I was told a year ago when I called them I owe nothing. I received in XX/XX/2023, 1 year later after I was told on the phone I owed nothing, a letter stating I owe them {$450.00} arrived. They have refused to speak with my wife or my insurance carrier, XXXX. But in an attempt to resolve this issue XXXX did a conference call with them, my wife and the young man. They promptly hung up on this vitriolic conversation. As always they are rude and hang up this is how they resolve things. I have sent numerous letters Certified mail after they sent me to debt collection company. In each letter I have asked to have the invoice showing services, what I paid etc. To date, I have not recieved anything pertainign to my requests from the debt collection company or XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, sent me a letter once again with no invoice of services rendered etc. She alleges I received numerous letters requesting I return the unit etc. I have NEVER received any such letters to date. Even if I return or pay this amount, what is to stop them from billing me more etc.? I feel they are trying to take advantage of me since I am a senior citizen. Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I got a phone call today XX/XX/XXXX from a company from Oklahoma called XXXX XXXX. They were trying to get my information from me for an account that is not mine. It came from the bank TD bank. I ONLY USE CREDIT UNIONS FOR 20 PLUS YEARS. they harassed, threatened and called me names and threatened my credit. Two problems harassed and threatened, someone committed a crime in opening this account with my information. I hope you can extend an investigation into XXXX XXXX and TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In XX/XX/2022 I filed bankruptcy to save my home. My lawyer said if my mortgage company approved my loan modification then there was no need to go through with the bankruptcy. The mortgage company approved the loss mitigation so my lawyer said not to make the first bankruptcy payment so it would be dismissed and removed from credit. It was dismissed in XX/XX/2022 for {$0.00} but they are STILL reporting it in my credit reports hindering me from receiving jobs and any credit.

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 2023-08-03 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Update on XX/XX/2023 with Glasser and Glasser PLC. They sent a dismissal of a garnishment with XXXX XXXXXXXX XXXXXXXX without the required judges signature through US mail and fax. XXXX XXXX XXXX will not remove the garnishment for this reason. 

Glasser and Glasser PLC is retaliating against me and delaying access to my bank account funds. Glasser and Glasser PLC also told a court in XXXX, Virginia that I was provided notice of the debt and hearing, when I was not. This violates my constitutional due process rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received mail from this company and do not know who they are, I have no contract with them, nor any permission to report anything, I sent a letter to verify their claim certified mail and they failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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 — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My capital one account XXXX is not reporting on my XXXX report, It once was now it has disappeared it is showing on XXXX and XXXX. I have contacted both capital one and also XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Several weeks ago the Louisiana St. DL system was hacked into and I was advised that I should make certain that my credit was frozen. I did so online with XXXX and XXXX and tried to get my credit information frozen with Experian but the Experian website keeps taking me to a page that requires me to create an account. I fell for this once before with Experian and was charged for requesting to have my credit frozen because Experian requires you to create an account in order to request a credit freeze and then later they bill your credit card for {$25.00} per month. Now I am forced to request a freeze on my credit by mail. 

Why can't Experian just allow people to freeze their credit information on line without having to create an account which Experian later charges you for in a VERY subversive manner? This is a scam and needs to STOP ASAP. 

In addition, I think Experian should reimburse me for the {$25.00} that I was unexpectedly charged to have my credit frozen earlier. 

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 monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The Wells Fargo website offers services that Wells Fargo has no intention of providing to its customers. 

I have had a Wells Fargo checking account for over twenty years. On XX/XX/2023 I used Wells Fargo online banking to make many attempts at opening a savings account. I tried to do this with both XXXX and XXXX. Regrettably, none of my attempts were successful. 

When I telephoned Wells Fargo about this bug, several Wells Fargo reps stated that Wells Fargo is unable to troubleshoot its website. After several telephone calls to Wells Fargo, my issue was finally escalated to the Executive Office on XX/XX/XXXX. 

As of XX/XX/XXXX, my case has not been assigned to a Case Specialist. Wells Fargo has stated that I will have to wait until XX/XX/XXXX before further action is taken on my case. This is unacceptable.

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 2023-08-03 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My XXXX XXXX account XXXX is not reporting on my Transunion report, It once was now it has disappeared it is showing on XXXX and XXXX. I have contacted both XXXXXXXX XXXX and also Transunion

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 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We have credit card that is paid monthly installments for XXXX years for XXXX total. Last payment was due XXXX with no further balance due. Then on XX/XX/31 a check was cut from our XXXX checking acct for the full {$11000.00} again, resulting in {$11000.00} too much coming out of our checking act. Wells Fargo said they will reverse it but it will take 30 days and I dont think that is reasonable. We also dont know how this payment was set up since we dont believe we instructed XXXX to make that erroneous payment. We want to know root cause of the request for payment and also to get the reversal payment processed ASAP and not wait 30 days

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 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BH Financial Group, LLC
State: CA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In XXXX, a XXXX XXXX XXXX Employee had fraudulently opened a checking, savings, and credit card account without my authorization, this account then moved to collections department and eventually sold downstream through collection agencies to SIERRA MANAGED ASSET PLAN LLC which have been attempting to collect since XXXX, where attempts to serve a notice to a previous outdated address resulted in the court moving forward to a judgement against me, my wages were garnished in the amounts of {$940.00} from a previous employer and {$1400.00} I have attempted to reason and explain the situation with the representatives of SIERRA MANAGED ASSET PLAN LLC to drop the collections attempt of a fraudulent account and return my funds they have taken from me.

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 2023-08-03 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: WI

Complaint narrative:
The credit bureaus is reporting inaccurate information on my credit history. I've sent the agencies a Identification driver 's license and recent bill.

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 2023-08-03 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: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
I had a collections balance with amerassist I made a payment plan with them and started paying in XXXX. After I started paying they never reported that I started paying instead they reported that my balance increased while I was paying so I kept disputing it because I know im paying I was giving them XXXX every two weeks and for them to report I didnt pay is unbelievable money doesnt grow on trees! I ket calling them and they gave me the run around they did this on purpose because everyother person I owed reported all my payments. By them doing this my score went down XXXX while im paying them off I was so upset no other company did this to me and even after I disputed it after I paid it off they said the information is still accurate but somehow they removed it from my report. I know that company did it on purpose I never went thru this with anyone I paid off this isnt right I STARTED PAYING IN XXXX AND IN XXXX THEY REPORT THE BALANCE INCREASED! How? If im paying because of this my score went down with this false information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NM

Complaint narrative:
Someone in another state has been using my tin or social to get phones from multiple companies. I have had a freeze on all accounts for more than a year once I found this out. For some reason the phone companies keep allowing this person to get phone after phone, even though I have a freeze on my credit reports

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 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I am explaining what happened as a victim that experienced FINANCIAL ABUSE, FINANCIAL EXPLOITATION, and FINANCIAL FRAUD in the mortgage process and Sale of my home at XXXX XXXX XXXX, XXXX, MD XXXX by XXXX XXXX XXXX, FAY SERVICING, XXXX, AND XXXX. 

Also, I had stated in writing and verbally that the Mortgage Balance amount was wrong and needed to be corrected, which was not done properly. The Appraisal process was not done properly in showing my home being built and moved in XX/XX/XXXX, resulting in a wrong Appraised Value lower that was not properly corrected. 

Additionally, the XXXX XXXX XXXX CLASS ACTION SETTLEMENT was approved with Final Order by XXXX XXXX XXXX, U.S. District Judge on XX/XX/XXXX, that I was a part of this Class Action Settlement for the {$5.00} Million agreed pay amount. 

Furthermore, I received an email dated XX/XX/XXXX, the SECURITIES AND EXCHANGE COMMISSION CHARGED XXXX with Widespread Recordkeeping Failures and agreed to pay {$15.00} Million. 

I HAVE NOT RECEIVED ANY COMPENSATION AT THIS PARTICULAR TIME YET!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently received a hardship distribution from my 401 ( k ) account.I then deposited the check into my Wells Fargo account.The very next day I got an alert from Wells Fargo, claiming that they were unable to receive funds from the check and that the funds will be available in my account in two weeks. I called Wells Fargo several times to try and resolve this issue. I called their loss prevention department to have them call the maker of the check to verify and to call the bank to verify the funds were in there. 
I explain to them that this was a hardship distribution so that the funds were needed urgently I was then informed that I would need something notarized from XXXX XXXX and something notarized from XXXX XXXX, XXXX and order for me to get my funds these funds came directly out of my retirement account. I have never experienced anything like this in my life in regards to depositing a check. This is extremely unethical. And they should be investigated because basically theyre using my funds without giving me access to them. 
And giving me the runaround

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 2023-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I requested debt validation for debt. I requested information on how debt was calculated and they responded with 2 statements. The statements did not explain what services were rendered to justify total. Furthermore the statement total more than what is being reported to credit bureaus. The statement in which they are attempting to collect totals {$2800.00}. Reported to my credit is {$1100.00}. Lastly there was no evidence of contractual agreement between myself and the debt collector.

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 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Update on XX/XX/2023 with XXXX XXXX  XXXX XXXX. They sent a dismissal of a garnishment with XXXX XXXX bank without the required judges signature through US mail and fax. XXXX  XXXX bank will not remove the garnishment for this reason. 

XXXX XXXX XXXX XXXX is retaliating against me and delaying access to my bank account funds. XXXX XXXX XXXX XXXX also told a court in XXXX, Virginia that I was provided notice of the debt and hearing, when I was not. This violates my constitutional due process 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 explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I XXXX XXXX a natural person am submitting this complaint myself. I received a collection letter from Credence Resource Management LLC dated for XXXX XXXX which stated an alleged debt owed in the amount of {$1400.00} and they are adding fees of {$220.00} to a total balance of $ XXXXSection 808 ( 1 ) of the FDCPA states that a debt collector may not collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless it is expressly authorized by the agreement creating the debt or permitted by law. On XXXX XXXX I sent a letter to Credence resource Management LLC requesting validation of the alleged account. I received a letter dated for XX/XX/2023 which was one page stating that the account was validated. there was no proof of the account information of anything.Section 809 of the FDCPA ( 15 U.S.C. 1692g ) provides consumers the right to request validation of the debt. If a consumer disputes the debt within 30 days of receiving the initial debt collection notice, the debt collector must provide verification of the debt, including the amount owed and the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: MD

Complaint narrative:
I do not recall opening these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
SECURITY CREDIT SERVIC has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. SECURITY CREDIT SERVIC has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: OH

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XXXX of 2021, us auto sales disabled my car even though I was not in default. I had to call out of work for a few days and I called them. They told me that something was wrong with the pastime device and I had to take to an auto shop to get fixed. I took to everything automotive on XXXX and they had to wait for part to be shipped so repair did not happen until XX/XX/2021, car was off on my birthday XX/XX/2021. I had to miss work and earned occurrences since was not planned PTO! Also, they transferred my car to another servicer and its been complaints of people vehicles being repoed even though not default. I am scared of losing vehicle that I need to get to work and to take care of my disabled son and mom. It is now with Westlake portfolio management. Also, us auto was making me get high insurance for years and I paid so much money and they were still charging me for collateral insurance with them. I called about it and they told me I had to get a deductible that was high and was adding a balance to my account.

Company response to consumer: Closed with explanation