vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2021, i received an email from Capital One Business Spark Checking, that they had noticed some suspicious activity and the accounts were on hold until some information could be verified. Friday, XX/XX/2021, I called the number that was in the email ( Fraud Department ), was told that the recent deposit of {$1400.00} that I had deposited in account XXXX couldn't be verified. So I gave the young lady my clients contact information. HOWEVER, she never verified the information and she has entered incorrect information into CO system. My client has signed a SWORN AFFIDAVIT stating that CO Fraud Department or anyone from CO has contacted him to verify his information. On that same day, Friday, XX/XX/2021, a gentleman screams at me and tells me CO has ended their banking relationship with me and I would receive a letter in the mail of why. He also stated that CO was going to make my clients bank take back the funds with regards to check {$1400.00}. My client felt like CO was saying he had done something wrong and said he spoke to his banker and told them NOT TO REVERSE any money, that he wrote the check and good luck to CO with that one. Now its Friday, XX/XX/2021, and I have no information from CO telling me why or when I will get my funds that were in the account. have been placed on hold, left messages, and tried my best to reach a human and every time it results with hours on hold and finally a message for me to leave a voice mail message and some one will call me back. HOWEVER that has not happed. My access to online banking was completely taken away, and i had not even printed XX/XX/XXXX bank statements. CO never reports on their statements of fees that is charged for overdrafts, however, after some research THAT IS VERY ILLEGAL WAS TOLD TODAY, FRIDDAY, XX/XX/2021 THAT IF WE WOULD GET OUR CLIENT 'S BANK TO REVERSE THE DEPOSIT, THEN THEY COULD SEND US THE BALANCE OF SAID FUNDS. This is because CO should be concerned, one of their people lied and didn't verify the information and said they did ... and said the check was fraud ... Which if it was FRAUD why did my clients bank HONOR THE CHECK, and why is capital one holding my money until my clients bank takes the funds back which would make it look like FRAUD... 

CAN SOMEONE PLEASE HELP..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: MI

Complaint narrative:
XX/XX/XXXX Date Opened XX/XX/2021 Balance {$37000.00} - " Different Dates of last activity '' XXXX XXXX Date Opened XX/XX/2021 Balance {$58.00}, XXXX " Different Dates of last activity '' XXXX XXXX Bank XXXX XX/XX/2021 Balance $ XXXX THIS IS NOT MY ACCOUNT! I have never heard of this bank nor have I ever made any payments on this account. " Validate Account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: MRS BPO, LLC
State: FL

Complaint narrative:
Six months ago A Georgia Company called XXXX XXXX entered a false report of a delinquent. XXXX Account. I went through the process of contesting the Debt and they were unable to provide any proof of Debt. 
They have now either sold or transferred this fraudulent charge To MRS Associates in XXXX XXXX New Jersey. 
Do I have to go through the whole process of proof of Debt letters agin to this different company? 
IS it legal for collection agencies to just keep selling or transferring a debt that his been proven to be unsubstantiated?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: FL

Complaint narrative:
I recently filed a complaint regarding the actions of Key Bank and I am not satisfied with the results. Key Bank refuses to take responsibility and the actions are unlawful. See my original complaint below. I am submitting it again. 

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 A person unknown to me tried to scam me via XXXX. They texted and left voicemails stating they deposited money in my account could I send them the money back. this was Sat XX/XX/2021. I didn't respond so the messages became nasty and threatening to 'charge ' me with bank fraud. I checked my account and there was a pending deposit of {$160.00}. I use XXXX and have never had it pend ; it's an immediate deposit. I checked my account again Monday afternoon XXXX est and the deposit was still pending. I called the local XXXX XXXX location in Colorado and verified the person didn't actually send the money and could cancel the deposit at any time. He agreed this is a scam. If I sent them the money, they could cancel that deposit at any time and I would be out {$160.00}. And with XXXX there is no recourse once you click that final submit button ... which they did not. I reported the two numbers they were contacting me from with FBI, CO & TX fraud departments. I texted them and let them know I reported their scam. Later on XX/XX/XXXX, a deposit was made to my account, assuming to cover their attempted scam.. they continued to contact and threaten me. then on XX/XX/XXXX, I received a letter from Key Bank stating they returned the money to this person due to the XXXX transaction could not be completed. Not sure what that means. I called Key bank and got the runaround. I spoke to numerous people in their fraud detection and fraud reporting departments. they said it was a bank-to-bank decision. XXXX XXXX called Key Bank on behalf of this scammer, and they decided to send this person the money from my account. NO ONE contacted me. No one looked at the notes on the account regarding the scam. The last person, I spoke with, XXXX, said there was nothing she could do and that was that. She was rude and disrespectful as if I did something wrong. What they did, Key Bank was criminal... I did not authorize them to take money from my account. I know the XXXX policy at XXXX and XXXX XXXX, I downloaded and read both, they had no right to touch the money in my account. They committed a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a counter deposit in person at SunTrust branch of certified cashiers check from XXXX to be deposited into my named personal checking account ( in good standing no bounces, customer for 15 years ) on XX/XX/2021. The check was paid according to XXXX XXXX on the XXXX of XX/XX/2021. Suntrust held the funds until the XXXX of XXXX on the grounds that they have confidential information that the check may not be paid. I went in person to SunTrust on the XXXX of XXXX to inquire as to why my funds were held. XXXX XXXX, Vice President and branch manager of SunTrust XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( direct XXXX ) reported to me that the check had not yet been paid and the funds would post as soon as the check cleared. I then went in person to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke with XXXX XXXX XXXX who provided that the check had already cleared on the XXXX of XXXX. I called and left a message for XXXX XXXX providing contact information for the XXXX representative and appraising her of my findings. At that point, I was contacted by email from XXXX informing that my case was being researched. On XXXX XXXX, XXXX XXXX returned my numerous attempts to contact her. She informed me that the funds would be held until the XXXX XXXX. She informed me that she was aware that the check was paid. She offered as a reason that the check was " a lot of money '' which is not a valid reason in 12CFR229 to hold funds. SunTrust acted in bad faith and provided no valid reason for holding funds.

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 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Hello, I recently reviewed my credit reports with XXXX, XXXX and XXXX. I noticed a paid credit collection on my reports. As I was unaware of this dept I disputed it with the 3 bureaus and asked them to validate dept and send me documentation. I received responses from XXXX & XXXX both validating debt per creditor. I called to see what kind of documentation they received to validate this debt, I asked specific questions about the debt, and they said that it was just validated and if I wanted information I would have to call the creditor directly. I requested information from XXXX so that I could validate the dept. They sent me the original contract, which has a date missing by a Signiture, I asked for receipt of payment to see who made the payment and to verify amounts. I asked for any picture or photo ID linking me to the debt, I asked for delinquency dates, and I asked for XXXX licensing number. Please review my emails. The response I received was that they are not sending me verification or validation because the account was closed, even though they are still reporting it to all 3 bureaus. I am taking this very seriously and want to file a formal complaint agains XXXX and I Want this collection removed from my reports immediately. I should be able to verify anything that is being reported about 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 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a negative credit reporting due to a company selling my information to a collection agency while in contact with me without my knowledge.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: GA

Complaint narrative:
XXXX XXXX XXXX  Balance {$2800.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX Balance {$85.00} Date Opened XXXX XXXX, XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX XXXX {$9000.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account ''

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 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I received harassing calls from XXXX XXXX asking me to contact PayPal for charging amounts using my telephone #. I did opened an account with PayPal and closed it but the business account was opened which I never used or complete. Somehow my information was compromised and given consent by someone to use my account. I did reached out to XXXX XXXX about PayPal and was told PayPal cancelled my claim. I contacted PayPal and was given the runaround as of XX/XX/XXXX. I reopened an account with PayPal hoping I could find out who is using my account. I did download some activities and saw a recent activity by XXXX. I have no ideal about this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX has kept an auto loan on my credit report that no longer belongs to me. A judgement by the Arizona XXXX XXXX states very clearly that any and all debt related to the XXXX XXXX XXXX shall be awarded to my ex spouse. 

I called the company in XXXX where I was cursed at and received follow up harassment calls until I blocked the number. I have sent the dissolution of marriage document as proof. 

The definition for contempt of court according to Arizona law 12-861, " A person who willfully disobeys a lawful writ, process, order or judgement of a superior court by doing an act or thing therein or thereby forbidden. '' Forbidden in this case would be this car loan for a totaled vehicle still affecting my everyday life when judgement was clear. By the book, XXXX XXXX XXXX is guilty of contempt of XXXX. 

XXXX XXXX XXXX has a history of predatory behavior, and ignorance of the law. For example, in XX/XX/XXXX, XXXX XXXX XXXX was ordered to pay {$27.00} XXXX for the exact same reason as I mentioned, " Unfair acts or practices related to the collection of loans or repossession of automobiles. '' I will attach the lawsuit documentation as reference.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX has kept an auto loan on my credit report that no longer belongs to me. A judgement by the Arizona XXXX XXXX states very clearly that any and all debt related to the XXXX XXXX XXXX shall be awarded to my ex spouse. 

I called the company in XXXX where I was cursed at and received follow up harassment calls until I blocked the number. I have sent the dissolution of marriage document as proof. 

The definition for contempt of court according to Arizona law 12-861, " A person who willfully disobeys a lawful writ, process, order or judgement of a superior court by doing an act or thing therein or thereby forbidden. '' Forbidden in this case would be this car loan for a totaled vehicle still affecting my everyday life when judgement was clear. By the book, XXXX XXXX XXXX is guilty of contempt of Court. 

XXXX XXXX XXXX has a history of predatory behavior, and ignorance of the law. For example, in XX/XX/XXXX, XXXX XXXX XXXX was ordered to pay {$27.00} XXXX for the exact same reason as I mentioned, " Unfair acts or practices related to the collection of loans or repossession of automobiles. '' I will attach the lawsuit documentation as reference.

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 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/XXXX, i attempted to send a Western Union Payment to the Agent of a company in North Carolina for {$560.00} Western Union Tracking MTCN No XXXX XXXX XXXX Later i received a message from Western Union stating that the Order was cancelled. However, the Money was not refunded back to me. I contacted Western Union several times and each time they would give me a different excuse, but still no refund. 
Dear XXXX XXXX, Money Transfer Control Number ( MTCN ) : XXXX We have canceled your money transfer with tracking number ( MTCN ) XXXX. 
If you were already charged, we are also processing your refund. Please note that it may take 7 business days for your bank to credit your account. 
Thank you for using Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a negative credit reporting due to a company selling my information to a collection agency while in contact with me without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: MD

Complaint narrative:
I have a negative credit reporting due to a company selling my information to a collection agency while in contact with me without my knowledge.

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 2021-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
On XX/XX/2021 I filed a Loan modification application with PHH Mortgage, I received an email within 10 days stating they received the application, after that I NEVER received a response, Nothing, I called several times and was told I could not apply for a modification because I am in Chapter XXXX bankruptcy, this in inaccurate and you can check with Bankruptcy court, YES you can file for a modification. I spoke with XXXX on the next call and she stated that I had to put in writing that I am not affected by Covid in order to be considered. After that call I called a HUD counselor, I spoke with XXXX XXXX on XX/XX/2021 and discussed PHH, prior to the call I received a letter from XXXX XXXX XXXX, they represent PHH and it stated I have a forbearance from XX/XX/2021 through XX/XX/2021, I never asked for this, I am asking for a modification so I can get caught up on payments. XXXX and discussed a plan and I have included her on emails t PHH. I forgot to mention that the first rep said they needed a letter from my attorney stating they could talk to me about my mortgage, the rep said they did not have it, it has been sent maybe 8 times by my attorney and also by me, I have attached the letter that I sent to PHH again last week, the letter states I can discuss all aspects of my loan. The rep said Oh, I found it in another folder. Today XXXX I called the escalation department has an email instructed me to do and I got the same rude representative named XXXX, she said I can not apply for a modification because of Bankruptcy and that I need to send a letter stating I am not impacted by Covid. She said she could not discuss with me and I stated that once again the Letter from the attorney is with PHH and states YES you can. She said she only sees a image and she can only discuss payments, I hung up before I let loose on her. This is outrageous, I am trapped from doing anything, I can not keep paying an attorney to address PHH. I am asking for a modification and need a response. PHH should have a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( Bankruptcy and ( 2 ) Untitled Medical Collections ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ''

Company response to consumer: Closed with explanation