vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My phone was taken and transactions was made to a recipient that I never sent money to. They emptied my account through XXXX XXXX. I contacted XXXX  customer service, XXXX XXXX customer service and my bank regions. Ive yet to hear back from anyone yet.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Those XXXX accounts are very inaccurate and need to be deleted from my report. I never authorized anybody to open a account nor give any of my information to a third party like XXXX i never sign a contract with no credit agencies so the information being reported should never be on my report by law its a violation of my consumer rights I have all the rights to keep my information private. Only if I allow it to be done publicly with written proof which I ask them for that was never provided within the period time of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Those two accounts are very inaccurate and need to be deleted from my report. I never authorized anybody to open a account nor give any of my information to a third party like XXXX i never sign a contract with no credit agencies so the information being reported should never be on my report by law its a violation of my consumer rights I have all the rights to keep my information private. Only if I allow it to be done publicly with written proof which I ask them for that was never provided within the period time of 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 2024-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My husband received our tax return and we thought it would be easy to send me my half ( {$4200.00} ) using Venmo. They took the money from him then immediately suspended my account due to " suspicious activity '' My husband & I transfer money back & forth all the time with no issues. This is the first time we've sent a significant sum of money, and my account got suspended immediately after for no apparent reason. The money was deposited to him by the federal government so I dont understand how the money could be suspicious. We are broke & we were counting on that money to pay our mortgage this month. I have called & called & I dont think its possible to speak to a live human & none of the chat bots do anything but send me to the Venmo FAQs. I've searched the internet to try to get some answers and unfortunately all I found was a ton of Venmo users all in the same situation. Please help us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to several multi-layered scam operations run XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX ( almost XXXX EUR at the time ) from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2024, I initiated another round of disputes concerning unauthorized transactions from XXXX and XXXX. Despite reaching out to both companies, I was directed to contact my financial institution for resolution. XXXX informed me that they did not observe the disputed transaction on their end and advised me to consult my bank. XXXX similarly suggested contacting my financial institution as they were unable to verify the charges. This marks the second dispute I've filed regarding XXXX charges, as I've been consistently billed since last year for transactions I haven't made. I've diligently provided documentation from the companies instructing me to contact my financial institution, yet Chime continues to reject my disputes, amounting to nearly {$900.00} in total. And lastly I even brought to there attention that my address was even changed on my account and like to update it through them and they refused sending my new debit card to address that i don't even stay at. 

My Dispute Ids are : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I initiated automatic payment of my Amazon card on the synchrony site, however they have still charged me late fees and interest when my card is completely paid off every month.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX I am writing to formally dispute the accuracy of several items listed on my credit report. After careful review, I have determined that the following inquiries and accounts are not mine and should be removed from my credit report immediately : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXXXXXX  Status : Paid, Closed. 

XXXX. XXXX XXXX Date opened : XX/XX/XXXXXXXX  It is evident that these items do not pertain to me, as I have never engaged in any financial transactions with the entities listed above. Furthermore, the address and names associated with these items do not match my personal information : Address : XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX Resident type : Single family Names : XXXXXXXX XXXX XXXXXXXX XXXX XXXX I demand that Experian conduct a thorough investigation into these discrepancies and promptly remove the inaccurate items from my credit report in accordance with the Fair Credit Reporting Act. Additionally, I request written confirmation of the deletion of these items once the investigation is complete. Please consider this letter as a formal request for correction under the provisions of the Fair Credit Reporting Act, and kindly provide me with updates on the status of my dispute. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: GA

Complaint narrative:
I am owed a refund of {$230.00}. I called customer service 11 times as of XX/XX/XXXX, and given 11 different lies. I paid a waste bill because it came to my home. I had no idea it was the responsibility of Midland Mortgage Company. I faxed them documentation over and over along with the checked that cleared and cashed. They received the monies because the sent me a letter dated XX/XX/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 2024-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Titan Solutions Group LLC
State: AL

Complaint narrative:
-The alleged Creditor failed to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications were sent via mail to the alleged creditor 's address. I sent the alleged creditor a " Cease and Desist '' notice to stop all collections and reporting until the alleged creditor can verify and bring forth the " original contract '' and respond to stipulations in my " affidavit to perform upon debt validation letter ''. After giving the alleged creditor 30 days to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications via mail, I have not received a response and have just been ignored. The alleged creditor after the fact there is a " Cease and Desist '' in place is still reporting derogatory information to the credit bureaus that's hurting my credit profile. Now I'm here to report Identity theft due to no response and have just been disrespectfully ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Ive sent out several dispute letters, Ive requested proof, Ive also sent over rights in which were violated breaking consumer laws

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 2024-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WY

Complaint narrative:
I am writing to file a complaint against Wise concerning an issue where my account was locked in XX/XX/XXXX, and a subsequent payment issue involving XXXX payouts for my content creation work. 

As a content creator on XXXX, I utilize the platform 's payout system to receive my earnings. In XX/XX/XXXX, I received a payment of {$1200.00} from XXXX, which was sent to the Wise bank account details I had previously added to my XXXX payout settings. However, at the time of this payment, my Wise account had been locked, and I no longer had access to those account details. The only information I possess regarding this transaction is the payment and transaction ID, along with the last four digits of the bank account used. 

According to XXXX 's policy, once a payment is issued, it is considered sent to the bank and can not be returned to XXXX. Should there be any issues with the bank details at the time of payment, XXXX 's protocol is to fail the payment and notify the user to update their bank information. Contrary to this policy, the payment was sent to my previously closed bank details. 

Upon contacting Wise about this discrepancy, I was informed that they had returned the amount to XXXX. This response conflicts with XXXX 's stance, which states there is no policy allowing for the amount to be reflected back to them once a payment is made. 

This situation has left me in a difficult position, as I am unable to access the funds rightfully owed to me for my work. I request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I seek clarification on the whereabouts of my payment and wish to ensure that the funds are correctly credited to an accessible account. 

Thank you for your attention to this matter. I am looking forward to a swift resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Ive sent out several dispute letters, Ive requested proof, Ive also sent over rights in which were violated breaking consumer laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: NC

Complaint narrative:
Ive sent out several dispute letters, Ive requested proof, Ive also sent over rights in which were violated breaking consumer laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Cordoba Legal Group, PLLC.
State: CT

Complaint narrative:
XX/XX/year> I received a phone call from a XXXX, Connecticut phone number not able to receive calls. I received a call from XXXX XXXX, Florida which is XXXX, Customer Service XXXX is XXXX and email is XXXX. 
Phone number to give to creditors from legal group of Cordoba is XXXX. They have scammed lot of people with frivolous documentation they have only been around for 5 years and claim on the phone been there for 20 years in legal services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I had a XXXX cent balance. My OD coverage was off. Regions approved a transaction from XXXX on XX/XX/24 for XXXX which put my account in the negative XXXX and I was charged OD fee on XX/XX/24. I brought the account current and into positive balance on XX/XX/24. The transaction was ultimately refunded by XXXX and that transaction went through XX/XX/24. Regions said that they were allowed to approve it because it was a recurring transaction. That in fact is not recurring. I have reached out several times. I was told to visit a branch to resolve, and when I did the representative that submitted the request literally laughed in my face when I mentioned the settlement by Regions for XXXX XXXX they are to payback for the OD fees they shouldnt have charged. Regions states im not eligible to have fee reimbursed. And to be completely transparent, since they refused to reimburse the fee that should have ever went through I reimbursed myself ) They charged {$36.00}. I turned the OD coverage on. And they approved 5 transactions totaling {$450.00}. Which I have no intentions of paying. regions wants to charge feloniously fess then refuse reimbursement. I can do that too. However im going to be held responsible for that negative balance including all the fees they are going to assess on those transactions. And im good XXXX that. Its okay for them to extort money charging felonious fees. They left me no choice. I recouped what was mine and quadrupled the treble damge ( 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 2024-02-18 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
| have disputed these fraudulent inquiries multiple times with Equifax and they kept ignoring my request. So, I'm filing a complaint against their company as they are hot taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Stolen identity unable to access my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Incorrect addresses, incorrect amounts, collection companies harassment and threatening to sue after they bought my collections, reporting in my credit report without authorization, incorrect names, non removal of student loans, collections, medical bills from my credit report and overly use of fraud with my credit union.

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 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Company is Midland Credit Management. They call me several times a day, all day long, they never say their name or who theyre with, they just say my name over and over and hang up. Then they sent me a letter threatening to sue me over {$620.00}. The letter states that they intend to have a lawsuit filed against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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:
Incorrect addresses, incorrect amounts, collection companies harassment and threatening to sue after they bought my collections, reporting in my credit report without authorization, incorrect names, non removal of student loans, collections, medical bills from my credit report and overly use of fraud with my credit union.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have an account with XXXX many years ago and paid it off. XXXX decide to sent it for collection but the account was paid off already. I request XXXX to deleted this account from my file. This is hurting my positive credit score. Plus this account belongs to my ex wife. Another issue is that this account is been updated every year with different amount and is appear double account in all the credit bureau. Which is violating the fair credit reporting act.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have an account with XXXX many years ago and paid it off. XXXX decide to sent it for collection but the account was paid off already. I request XXXX to deleted this account from my file. This is hurting my positive credit score. Plus this account belongs to my ex wife. Another issue is that this account is been updated every year with different amount and is appear double account in all the credit bureau. Which is violating the fair credit reporting act.

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 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Silverman Theologou, LLP
State: CA

Complaint narrative:
I received a letter from Silverman Theologou LLP- the week ending XX/XX/XXXX  attempting to collect on an alleged debt on behalf of XXXX XXXX XXXX XXXX. 

I am demanding Silverman Theologou LLP provide the following : 1. ) Provide a certified copy of the original contract, signed by both me and an authorized XXXX XXXX XXXX XXXX employee. An affidavit of loss will not suffice. If they do not have the original contract in their possession, send me information on where the original contract is and when it can be viewed in person. 

2. ) XXXX XXXX XXXX XXXX is required by law to get my permission prior to releasing my personal and account information to a third-party. This was done without my consent, which voids the alleged contract. Silverman Theologou has no authority in this transaction and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

3. ) I want Silverman Theologou to produce the general account ledger statements showing the full accounting of the alleged debt. I am requesting, a signed affidavit by the person responsible for maintaining these records with first-hand knowledge as to the accuracy and authenticity of the general account ledger. 

4. ) Deliver proof their law firm is a party to the transaction. They seem to think they have a right to collect when their organization has never signed a contract with me and has never loaned me any money or credit. According to American Jurisprudence 2d 73 ; a third-party collector has no rights if they were not mentioned on the original contract or were any part of the contract; including loans transferred, assigned, sold, or changed hands in one manner or another.

Company response to consumer: Closed with explanation