vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERIS BANCORP
State: SC

Complaint narrative:
Recently, Ameris Bank acquired XXXX. I tried logging into my XXXX accounts and found that my auto loan account was not working. I contacted Ameris/XXXX, and they said online accounts are no longer provided by Ameris. I used to be able to log in and see all of my payments and submit payments. I opted out of paper statements with XXXX, but Ameris discontinued online support. When I asked the representative to reinstate paper statements and records, I was told they did not support paper statements for auto loans. I was given two options : 1 either call in to confirm payments or 2 go the auto loan bill pay to check my balance ( not including records of actual payments ). I find 1 unacceptable ... I should have access to PRINTED records either digital or paper-based. When trying 2 to make my own records, I received an error message online saying I was " not allowed for accounts pre-paid 3 or more months ''. 

Ameris, in acquiring XXXX, has chosen to discontinue auto loan support in any written form. I am a responsible bill payer and try to get ahead. I should NOT be denied access until my balance " catches up ''. This is a trick to get my interest to accrue and them to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America was running a 0 % promotion until XX/XX/XXXX. On XX/XX/XXXX I decided to take advantage of this promotion and borrowed {$20000.00} to purchase landscaping services and they charged me an {$800.00} fee on top of the {$20000.00} so the Total was {$20.00}, XXXX. When I saw the next bill they had charged an additional {$360.00} of interest on top of the {$800.00}. When I called to let them know they had made an error they told me they would not honor the promotion since the landscaper had the same last name as I did. I do not own the landscaping company. There was nothing in the fine print that said they can determine who I give my business to. There are many businesses in this area with my same name but I do not own those businesses either. It is like XXXX. So they told me I had to return the money in order to get the {$360.00} back which I did. They have not returned the interest or the fee they charged. But what they have done is fraudulent advertising. Also I want the {$800.00} back since I did not wind up borrowing on this promotion. On XXXX and XX/XX/XXXX I had paid {$1100.00} for the first billing so on XX/XX/XXXX I paid {$19000.00}. They should return the interest they incorrectly charged me {$360.00} and the {$800.00} fee they imposed. There is no reason they should keep this money as I did not get the promotion. Why should they dictate who I hire? There was nothing in their promotion that said they have to approve the business I use. This is fraud and usury and stealing and false advertising. Please make them give back {$800.00} + XXXX plus the {$1100.00} I paid.. I will never use the Bank of America again and I have already secured the loan through another more reputable bank.

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 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
DYNAMIC RECOVERY SOLUTIONS IS ATEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. 

DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have contacted the company several times as well as the three major credit bureaus because the account was opened fraudulently, either by relative or stranger. I understand that my social security number and address was used to open the account. However, I've never signed any agreements with this company in order to open a credit card account. This was done so without my permission. I am a victim of identity theft and it has been a very long and depressing process trying to have fraudulent accounts removed. I have taken action by filing a police report with my local police department and having it sent to the credit bureaus. Additionally, I have locked and added fraud alerts to my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear CFPB : I am desperately trying to get incorrect information off my credit reports with the three major credit reporting agencies. And while, I have made some gains, I have yet to get the information I requested from them to validate their claims. All I have requested from them are original documents with my signature and other proving information to validate these errors and NONE have complied with my request. 
Below, is a list of certified disputes requesting specific information to validate the information. What I received back was a boiler plate statement that reads ; this account has been certified as correct WITHOUT ANY supporting documentation which I am entitled to under the fair credit reporting act section 609. I am growing tired of submitting disputes only to be ignored with regards to my specific request. Attached are all the certified mail receipts to all of the credit bureaus. They have failed to respond to my request and in doing so, I am requesting now that every account be permanently deleted from my credit reports for XXXX, XXXX, and especially Equifax. 
I am in negotiations to finally purchase a home and this is DIRECTLY affecting my ability to provide for my family. Any help in this urgent matter is appreciated. 
Please see the account information and the certified letter dates of receipt of all request. These accounts have been addressed multiple times only for the bureaus to ignore my request for validation information. 
Attached documents : Equifax : 1. XXXX XXXX XXXX XX/XX/XXXX -No Information provided original letter attached and ignored response {$100.00} 2. XXXX  XXXX XXXX XXXX No information provided {$390.00} 3. XXXX XXXX - Not a collection. no requested information provided 4. Bankruptcy - Equifax claims to have verified this from XXXX XXXX but my XXXX XXXX  account was Frozen and validation from the court claims they do not send request to bureaus so How can they validate. the account name was wrong and should be removed. 


XXXX 1. XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( this is on my report twice ) this is a duplicate but they are acting like I went twice. I have no way to prove what I did not do. 
2. XXXX XXXX XXXX {$600.00} 3. Dept of Ed was closed in XX/XX/XXXX and assumed by XXXX yet they started reporting non payments. I DONT HAVE PAYMENTS TO THEM. sorry, not yelling, just frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
complete payment recovery services, inc IS ATTEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. 

DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY

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 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
paypal keeps giving the run arounds on something Order # XXXX Cancelout around XX/XX/2019 with XXXX XXXX for website Guarantee 10 people sign-ups.Instead he sent me boogus traffic of XXXX hits and no sign-ups on opt link.so i told paypal to cancel and XXXXBut Paypal close my dispute refuse to get my money because i didnot open or say excalate, but i did paypal refuse my claim.Plus payal and allow this company and capitalone debit my account $ XXXX.WebCraftde and there email : XXXX XXXX is XXXX my Mastercard last 4digits # XXXX .So far i been charge $ XXXX.and paypal did transaction REFUSED me for Refund.The name shows up on paypal is Whamsoft paypal gave me Refund of $ XXXX.on XX/XX/2019 But paypal charge me for samething XX/XX/2019 saying automatic payment..Why is it paypal, XXXX, all refuse to give refunds but the Victims all got to spend so much time an we dont get anymore money back.I think for this issue against paypal i should get $ XXXXRefunded backfor bull XXXX and my next complaint be on anouther item paypal Refuse to to give refund got charge twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IL

Complaint narrative:
The company checkr is reporting a eviction judgement on their consumer report under my name after i checked and had the records pulled there is a judgement for the name XXXX XXXX my name is XXXX XXXX XXXX, also the paper work does not have my social security number on any of it or my date of birth i have disputed this several times with checkr and keep getting a reply information is accurate and correct and comes directly from court records, which i don't understand how it's accurate with no social security number or anything else to verify it's mine, after several attempts to resovle tis with checkr have failed now i'm submitting the complaint to CFPB to help get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is a horrible bank they mailed paperwork that was compromised via the USPS machine reader so when I got the somewhat requested documents which did not cover all accounts to include closed and linked accounts to the closed accounts. The requested paperwork was accessible to all. The envelope was torn wide open and USPS had to place the papers in a bag and put it into my PO BOX . That was ridiculous, unprofessional and made my private business available for all to see. I am not even sure that what was requested is all there. I have uploaded a picture to how I received my supposed to be private banking information and request that all years for XXXX and XXXX be sent to me and in respect to my privacy and sent to USPS properly which would not allow this to thick of a package to be sent through the USPS reader machine ripping the envelope wide open for all to see. The requested documentation should be sorted out organized by year XXXX and XXXX and envelopes should be sealed displaying not broken closings. I can not ensure that all pages are here and hope my proprietary information was not enclosed such as Social Security Number, Date of Birth, etc.

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 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal.com is suspending my account for not providing them with a SSN. according to the IRS I am not eligible to get a SSN and they say that financial institutions can't require a SSN from people who don't have one.

I already have verified my Passport and address with PayPal so they know who I am, thereby Paypal fulfilled the know your customer process. Still they insist on receiving a copy of a SSN card, which I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I've reached out to this collection agency on multiple occasions, regarding invalidated negative items that have been posted to my credit reports, with all 3 credit bureaus ( XXXX, XXXX, and XXXX ). One of the items have since been removed, however, this one remains and it seems that it's being reported without valid proof of the debt. This leads me to believe that this company is operating under the guise of a collection agency, but instead, are actual charlatans. 

My last written communication to them was forwarded on XX/XX/XXXX, and it was received by their agency on XX/XX/XXXX. I sent a letter requesting validation of the debt they're pursuing me for, in the amount of {$3300.00}. 

This agency has responded to me in writing, without verifying the majority of the information I requested, which includes why their agency is pursing me for a debt, in which they can't produce any documentation substantiating their claim, or the fact that I owe them {$3300.00}. 

Included with this complaint, is the following : a. My letter ( dated : XX/XX/XXXX ) sent to ProCollect, requesting validation of the questionable debt bXXXX USPS return receipt, confirming delivery of my letter c. 7 pgs sent to me by ProCollect, which include : 5 pg lease agreement ; 1 pg bill summary ( move out statement ), with a XXXX ( {$0.00} ) balance ; and a ProCollect bill, with an amount due of {$3300.00}, without supporting documentation.

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 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I suspect XXXX XXXX, Mr Cooper Consumer Relations Specialist, in retaliation to an angry email I sent her, has fraudulently reported to the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On my XX/XX/XXXX credit card payment statement a total of {$320.00} was added to my account. When I called to inquire I was told the purchase of an XXXX XXXX XXXX XXXX that I purchased at XXXX  XXXX  XX/XX/XXXX and applied on the same day for Barclays Credit Card was suppose to be paid in full by XX/XX/XXXX without interest. What I was not told was that the interest was deferred. I was told by the sales person at the store that interest would be applied after 18 month on the balance. Since my daughter was getting ready for XXXX XXXX XXXX on XX/XX/XXXX I just made the minumum payment not realizing that Barclays was going the charge me {$320.00}. I tried calling them and asking for an extension I even offered to show proof that my daughter was hospilized in XX/XX/XXXX. They said that if I would have asked for the extension prior to XX/XX/XXXX it would have been granted. I even paid {$300.00} on XX/XX/XXXX hoping that they would remove this interest off my credit card. I went from owing {$740.00} to {$1000.00}. It's like I never made a payment to the phone. I even asked if they can reduce the amount by half and they have refused.

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 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
MUFG Union Bank of California is holding my funds since the deposit is greater than {$5000.00}. Bank is reserving the right to do so past the 5 statutory days according to the FDIC directives. The held funds resulted in unsuccesful payment due to unsufficient funds on the account. The bank Ledger balance showed {$8400.00} prior to me making the payments to the respective vendors. Nowhere within the information available to me was there a note saying that the shown balance was actually on hold and for what duration of time. So BALANCE was showing positive until I made the payments. Only after doing so the existing balance of {$8400.00} turned into a - {$1900.00}. If the bank acted correctly and have shown the negative balance due to the HOLD on funds from the begining I would not attempt to make payments to anyone. Afterr calling the bank their representative advised me that they are well within their rights to do what they did even after i pointed the fact that the BALANCE was shown positive before the payments were made. The deposit was made on the XX/XX/2019 and they are holding the funds over {$5000.00} untll the XX/XX/XXXX according to the representative and the letter I received today XX/XX/XXXX. According to the document the {$3200.00} are held for 10 calendar 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 non-monetary relief
Consumer complaint received 2019-11-12 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
We have a credit card with Capital one that has both our names on the account, XXXX XXXX and XXXX XXXX, married. There were some small charges that appeared this summer of 2019 from a company called XXXX XXXX on the joint account under XXXX 's credit card. We called capital one and they stopped the charges and issued a new credit card for XXXX. Later on in the summer, we thought we had not activated the credit card yet when new charges from XXXX XXXX appeared on XXXX 's card again, One on XX/XX/XXXX and one on XX/XX/2019. We again called capital one and this time they told us they would investigate the charges and give us the money back to see who this was coming from. We had a new card issued and did not hear back from capital one. The new card was never activated and yesterday we noticed a charge on XXXX 's card from XXXX XXXX, on XX/XX/2019. We know her card was not activated before this charge was made to her account. All of the credit cards she has gotten through capital one have different account numbers on them so no one has had access to the third credit card that we just got because it has been sitting in a draw at our house unused. The only people who have had access to seeing that card are the workers at capital one and the postal service as it was sent through them. We have wasted time on the phone with capital one at this point because the cards are being charged by this same company over and over again without any resolution from capital one. Without us activating or using the credit cards it concerns us that someone has unauthorized access to capital one 's new credit card numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear CFPB : I am desperately trying to get incorrect information off my credit reports with the three major credit reporting agencies. And while, I have made some gains, I have yet to get the information I requested from them to validate their claims. All I have requested from them are original documents with my signature and other proving information to validate these errors and NONE have complied with my request. 
Below, is a list of certified disputes requesting specific information to validate the information. What I received back was a boiler plate statement that reads ; this account has been certified as correct WITHOUT ANY supporting documentation which I am entitled to under the fair credit reporting act section 609. I am growing tired of submitting disputes only to be ignored with regards to my specific request. Attached are all the certified mail receipts to all of the credit bureaus. They have failed to respond to my request and in doing so, I am requesting now that every account be permanently deleted from my credit reports for XXXX, Transunion, and especially XXXX. 
I am in negotiations to finally purchase a home and this is DIRECTLY affecting my ability to provide for my family. Any help in this urgent matter is appreciated. 
Please see the account information and the certified letter dates of receipt of all request. These accounts have been addressed multiple times only for the bureaus to ignore my request for validation information. 
Attached documents : XXXX : 1. XXXX XXXX XXXX XXXX -No Information provided original letter attached and ignored response {$100.00} 2.  XXXX  XXXX XXXX XXXX No information provided {$390.00} 3. XXXX XXXX - Not a collection. no requested information provided 4. Bankruptcy - XXXX  claims to have verified this from XXXX XXXX but my XXXX XXXX account was Frozen and validation from the court claims they do not send request to bureaus so How can they validate. the account name was wrong and should be removed. 


Transunion 1. XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( this is on my report twice ) this is a duplicate but they are acting like I went twice. I have no way to prove what I did not do. 
2. XXXX XXXX XXXX {$600.00} 3. Dept of Ed was closed in XX/XX/XXXX and assumed by XXXX yet they started reporting non payments. I DONT HAVE PAYMENTS TO THEM. sorry, not yelling, just frustrated.

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