vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear PayPal, This is the third time I am conctacting you regarding my issue, each time I have recieved even more outrageous responses. My name is XXXX XXXX XXXX XXXX I am the owner of the account linked to the email XXXX. As I have explained already in past phone calls and my previous complaint to the CFPB, on XX/XX/2021, I recieved and email from PayPal, stating that I could no longer use their services, I will attach this email bellow. 

As I have explained already, I have not done anything wrong and I have not been given any explanations as of why this happened, the previous response I got from PayPal said the following, ridiculous and insulting message ; It is important to note that this complaint was not submitted on your behalf but on behalf of another PayPal account holder. Due to PayPal 's strict Privacy Statement, we are only able to address account information with the account owner. As a result, we can not divulge account details to you regarding an account that is not in your name. 

I will also upload a photo of my ID to prove that I am XXXX XXXX XXXX XXXX and not as you are claiming " another PayPal account holder ''. 

PayPal have provided me with an awful costumer support service, after calling and contacting them multiple times, they were time and time again, unable to fix the issue they caused and still have not given me back the control of my account. 

Bellow you will find a photo of my XXXX ID, the previous email I got from paypal, which was totally wrong in everything they stated and helped me in no way and the emails I got from paypal regarding my account. 

I trully hope you can fix my issue once and for all, all I want is to be able to use my account, with the {$2200.00} you are holding against my will. 

SINCERELY, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
When I was checking my emails on the morning of XX/XX/2021 I found that I had received an email from Regions Bank notifying me of overdraft fees. I immediately checked my online banking and found that my account was not in the red until they charged the overdraft fees on XXXX XXXX of {$72.00}. I called the Regions Green line when they opened and spoke with a customer service rep and supposedly a manager. They informed me my account actually went into the red on Friday XX/XX/2021 with two charges from XXXX. They acknowledged that shortly after the charges from XXXX showed as pending I did make a transfer of funds from my savings and also did a mobile deposit. According to my records from my online banking on the night of XX/XX/2021 prior to their overdraft fee I had {$10.00} available. At the time of the transactions they say overdrafted my account I had {$170.00} prior and {$140.00} after the second transaction. As the two ladies I spoke with called out transactions they were not even in the same order as they are in my online banking and the numbers were all messed up. They claimed they gave me credit for the transfers and deposit yet they still charged me two NSF fees of {$36.00} for a total of {$72.00}. I have had many times my account would show overdrawn briefly in the pending status but while still pending I would do transfer or deposit to cover and it has always been accepted and not charged as an NSF until now. Then only solution either persons I spoke with offered me was to just opt out of the overdraft protection and kept insisting that even though their records do not align with mobile banking they were still correct. They both kept telling me that as I use my card money comes out of my account as if I am a complete 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 2021-06-22 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
SOUTHWEST RECOVERY SERVICES reported on XX/XX/2021 that I had unpaid balance to XXXX XXXX XXXX. This information is not true that account was paid in full on XX/XX/XXXX, 2021. XXXX XXXX XXXX agrees the account is paid in full. Now the collection agency SOUTHWEST RECOVERY SERVICES is not willing to fix this false reporting about my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Due to Freedom Mortgage Co. not paying my taxes which was set up for them to pay, there was a lien against my home for non payment of taxes. As of today date, XX/XX/XXXX the lien is still outstanding. I was called the company on numerous occasions and nothing has been done. I've been calling them since the first of XXXX to no avail. I was told on yesterday XX/XX/XXXX, that the lien would be taken care of by the end of the day. This lien is still outstanding. the problem I have is no one can tell me why my taxes wasn't paid. 
I found out about the lien during a refinancing of my home, taxes were outstanding from XXXX and XXXX. 
Due the lien my refinancing fell through and I have to start over and might not get the same interest rate on my loan. I am very discouraged.

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 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request 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 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had 2 purchases of a product using XXXX which was supported and paid for on my Capital One Credit Card. The items I purchased purportedly from a US company turned out to be from a XXXX company. The product was a cheap replica of the advertised merchanidise and no where near the what the advertisement claimed it was. When I complained to the merchant, they were very precise in their wording, stating that they shipped the product as instructed, that although it was exactly what was advertised it was very close and still offered some of the advertised benefits and that they offered to allow me to keep the product and give me a 50 % refund. 

I accepted on the smaller order but refused on the larger order as you will see in my uploads and stated that they needed to provide me with an RMA and prepaid return mail and 100 % of my money back. Capital One stated its VISA 's policy that there is nothing they can do becuase I was offered a partial refund and refused it. 

This was a scam by a XXXX company to sell something other than what was advertised. They even admitted it in an email and now both XXXX and Capital One Visa are telling me I am out {$290.00}. The name of the fraudulent company is XXXX XXXX and they are selling knock off XXXX XXXX ballistic helmets that are nothing more than cheap childrens plastic toys. these are supposed to be XXXX helmets - they are nothing of the sort.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NM

Complaint narrative:
Not one complaint I have with direct express has been addressed. XXXX XXXX, Comerica XXXX, Senior Vice President, XXXX and all other employees of Comerica XXXX that respond to my complaints have dismissed every issue I have with the Direct Express Card. The Direct Express Employees do not answer or respond consistently to emails. The Direct Express Employees initiate email contact and that is it. I DO NOT HAVE A PHONE. I DO NOT HAVE ACCESS TO A PHONE. I DO NOT USE TELEPHONES!!!! This matter with all my complaints therefore can not be resolved over the phone. I have filed CFPB complaints XXXX XXXX XXXX XXXX none have been resolved even addressed. Now it is about three years later, and I only have a dispute number-XXXX. It took two to three years to get a dispute number. I have not received any reply to a request for status update. I have no idea if my profile information has been updated. The online banking is too limited to conduct any banking needs. There is a phone requirement that is prohibitive to receiving services. The customer service is abysmal, slow, and ineffective to conduct time sensitive business. You can XXXX  direct express and with the complaints to other federal, and state monitoring and regulatory agencies it is apparent that the Direct Express Card is not serving the population contracted to service in any beneficial manner to that population. Contrary to any positive press the experience of the card holder is daunting. You can see in the reports about Direct Express that the phone line is not answered as you are told to keep calling until you get thru. I do not have a phone. There is no accounting by Direct Express or Comerica bank for those who do not have the privilege or ability to use a phone. That discriminates the users even further since having a phone is not proof positive that you will receive timely, continuous, and courteous service. There is a definitive lack of professionalism in handling of complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Upstart Holdings, Inc.
State: KS

Complaint narrative:
On XXXX XXXX, 2021 I mailed a letter to the company disputing this account. I gave them 30 days and checked my credit report and no dispute comment had been added. On XXXX XXXX, 2021 I sent a second letter to the company about the dispute. I never received a reply, and once again after 30 days a dispute comment was not added on my credit report. On XX/XX/2021 I sent letters to XXXX XXXX, and XXXX regarding this dispute. I did not receive any replies and once again after 30 days the account did not have a dispute comment added. On XX/XX/2021 I sent a second letter to the 3 credit bureaus regarding the dispute. Once again, after 30 days, no dispute comment was added to my credit reports. The company has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Act Section 807 ( 8 ) by not placing a " notice of dispute '' disclosure on my credit reports within the required 30-day period. This company also never provided me with copies of any documentation bearing my written signature in response to my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have sent certified letters for the past 6 month asking them to fix the account status of this creditor. I have yet to receive a response from the creditor Letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. They have reported to Equifax that the account is derogatory which it should be reported as paid ( XXXX and XXXX both show as paid )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

They also violate my HIPAA Privacy as they failed to protect my medical records and other personal health information.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

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 2021-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX i sent a letter regarding inaccurate and unknown things on my credit report .to this day over 30 days later i have not received a response yet, I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) .it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report .i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An auto debt ( repossession ) was recently deleted in XX/XX/2021 from the credit bureaus with XXXX  and XXXX. It is still showing on Experian which is adversely affecting my 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 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I reached out to Wells Fargo to use a travel credit. I experienced a very long hold time and once I spoke to someone was told that I had to speak to a specialist to use my credit. I was told I would be contacted in 24 hours which didn't happen. I called back several times only to experience longer hold times. On XX/XX/XXXX I was contacted and the agent told me he could process my request to use my credit and because the credit didn't cover the cost of the plan ticket he took my credit card number to pay for the difference. When I showed up at the airport on XX/XX/XXXX there was no record of the ticket so I had to purchase another ticket at the airport. 

I quickly called Wells Fargo and was put on hold and when I finally spoke to someone I was told I would be contacted in 24 hours which once again didn't happen. It took several days for them to call me back and I was given a supervisor to speak with. That person has been very unresponsive, does not return calls when I am told she will and when I call back I am put on hold for almost an hour. 

This matter has been going on for over two weeks at this point and I am very frustrated. Not only are they not meeting SLAs, the customer service is terrible and at this point I am ready to cancel my card. I have not been given updates on this matter and am still unsure of what happened on XX/XX/XXXX. It has been very frustrating and I work in Operations for another bank. I know how things are suppose to work and the Wells Fargo escalation process isn't working at all. I deserve compensation for all the run around I have experienced as well as for the loss of time. I was also charged a {$25.00} fee from Wells Fargo.

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 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: WV

Complaint narrative:
When been getting phone calls several times a day from Credence Resource Management. Caller ID says XXXX Ohio. I never answer except to stop the phone from ringing and hang up. I finally called them and found out who they are by listening to their recording. They are using different phone numbers. XXXX, XXXX. We do not have any outstanding debt so this is a total scam.

Company response to consumer: Closed with non-monetary relief