vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 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: Regional Management Corporation
State: AL

Complaint narrative:
After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX  XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 



After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. 

Thank you for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal credit union is under fbi investigation for crimes against me for hacking per agent # XXXX with the national threat operations center. Cease all INCOMING CONTACT WITH NAVY AND DO CONTACT THEM. UNABLE TO ACCESS OPEN ACCOUNTS LOANS SAVINGS CHECKING CREDIT CARD. BANNED FROM BRANCHES AND CALLING IN BUT NOT APP PER XXXX XXXX CA BRANCH ASSISTANT SUPERVISOR XXXX AFTER 1 HR OF ME BEING IN BRANCH USED MY ID TO VERIFY ME KICKED ME OUT NOTHING IN WRITING WOULDN'T PROVIDE LETTER. KICKED ME OUT AN HOUR IN AS XXXX XXXX AND MY CAREGIVER UNDER ADA. AGENT XXXX STATES THE OFFICE OF THE CONTROLLER OF THE CURRENCY TO INVESTIGATE NAVY FED CREDIT UNION FOR SYSTEMICALLY DISCRIMINATING AGAINST ME AT THE LOWEST LEVEL TO EXECUTIVE CASE MANAGER FOR UNFAIR LENDING PRACTICES BASED ON AGE SEX DISABILITY ECONOMIC BACKGROUND RACE. I HAVE ACTIVE LOAN CHECKING SAVINGS CREDIT CARD W NAVY THEM CAN'T ACCESS ACCOUNT ONLINE. INCIDENT REPORT TAKEN FROM XXXX XXXX CA POLICE OFFICERS # XXXX # XXXX XX/XX/21 INCIDENT # XXXX NO DETECTIVE CALLED NO WATCH COMMANDER CRIMES STILL HAPPENING HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/XXXX, a {$4.00} purchase went through on PayPal Credit, which was automatically selected as my default, when I had believed & expected it to go through on my linked bank account. I had no idea it went through on PayPal Credit, and because I didn't expect to be using PayPal credit anytime soon there was no linked payment method on PayPal credits separate website. Because of this a payment was returned, two interest charges were added, and a late fee. I only discovered this because today I received a letter saying my Synchrony PayPal Credit account was closed due to delinquency of a whopping {$17.00} dollars. This was the only notice in paper I received & although I had received email notification, it was clear enough with terms like payment adjustment and automatic payment. I assumed if I had any charge on PayPal credit, and it's saying automatic payment processed, that I must have had a payment method on file & that it had just automatically made a payment. Now I have payed the balance off, but I received a blow to my credit for a {$4.00} purchase that was never supposed to be placed on credit in the first place.

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 2021-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Kashia Services
State: CA

Complaint narrative:
Was given two previous loans with vip status. On the ad when researching company they didnt offer me XXXX after first loan. Also I said I was gon na file a complaint and they are back lashing on me now and I am not being given anymore credit by them. They said it's because i wasnt happy with services .i was happy but they are discrimination against me now by not allowing me to fairly use there services anymore. They are being unprofessional and violating my rights to be extended credit like I was before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY FRAUD SOMEONE STOLE MY IDENTITY PURCHASED SEVERAL CARS GOT CREDIT CARDS HOUSES AND LOANS. WHEN I CALL THE AUTHORITIES THE PERSON ( S ) FILED A BANKRUPTCY TO HIDE THE FACT THAT THEY HAD STOLE MY IDENTITY. IT WAS PROVEN THAT IT WAS NOT ME WHO OPEN THESE ACCOUNT. MOST OF THESE ACCOUNTS HAS BEEN REMOVE BUT I SEE THERE ARE SOME STILL LEFT AS WELL AS A BANKRUPTCY THAT SHOULD NOT BE ON MY REPORT I HAVE SENT IN PAPERWORK TO ALL THREE OF THE CREDIT AGENCY AND HAVE NOT GOTTEN A RESPONSE

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 2021-07-30 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:
I HAVE BEEN A VICTIM OF IDENTITY FRAUD SOMEONE STOLE MY IDENTITY PURCHASED SEVERAL CARS GOT CREDIT CARDS HOUSES AND LOANS. WHEN I CALL THE AUTHORITIES THE PERSON ( S ) FILED A BANKRUPTCY TO HIDE THE FACT THAT THEY HAD STOLE MY IDENTITY. IT WAS PROVEN THAT IT WAS NOT ME WHO OPEN THESE ACCOUNT. MOST OF THESE ACCOUNTS HAS BEEN REMOVE BUT I SEE THERE ARE SOME STILL LEFT AS WELL AS A BANKRUPTCY THAT SHOULD NOT BE ON MY REPORT I HAVE SENT IN PAPERWORK TO ALL THREE OF THE CREDIT AGENCY AND HAVE NOT GOTTEN A RESPONSE

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 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A Capital One Bank USA account was opened in my name. I become aware recently and sent in a dispute to the credit bureaus. All bureaus have removed this account finding that it is not my account and that it was fraudulent. XXXX  refuses to remove this account even after disputing and receiving all supporting documents such as a police report, FTC report, a dispute letter notarized and the laws which they have violated. last dispute was submitted in XX/XX/2021. I have sent all this information to the credit as well the same day it was sent to the bureaus and no response has been provided and none to the bureaus so XXXX  has no support in stating the creditor was able to verify any information and they can not because it is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rickart Collection Systems, Inc.
State: MD

Complaint narrative:
I received a notification from XXXX  that Rickart Coll Systems flagged my consumer report with a Grid Code XXXX  on XX/XX/2021 in the amount of {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I SPOKE TO XXXX XXXX WHO PROMISED ME A XXXX AMENDMENT TO MY MORTGAGE AND SHE SAID THAT ALL I NEEDED WAS XXXX XXXX IN THE ACCOUNT. I PLACED THE XXXX IN THE ACCOUNT AND THEY HAVE NOT CHANGED MY RATE TO 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 2021-07-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: Aqua Finance, Inc.
State: MD

Complaint narrative:
Letter to XXXX XXXX I submitted a letter to the credit card company XXXX XXXX on XX/XX/2021 requesting a refund of the monies paid for a product ( security doors from XXXX XXXX , XXXX located in XXXX, MD ). I submitted a letter to XXXX XXXX on XX/XX/2021 and made several phone calls to the company regarding the dissatisfaction of the product and lack/no response for service from XXXX. A formal investigation was requested with no results of follow up from either company. 

On XX/XX/2021, XXXX  removed the doors for repair as a result of filing a complaint against XXXX XXXX  through the XXXX XXXX XXXX, complaint # XXXX. We were told by XXXX that the repairs would take two to three weeks from date of pick up. During this time, I called an left a message for XXXX to come and repair the wrapping that was left on my home by the company that was improperly installed. I received no follow up communication from the company. 

XXXX XXXX and XXXX and my husband were on a conference call on XXXX XX/XX/2021. In a good faith effort, my husband agreed to have the doors installed on XXXX XX/XX/2021. This did not occur. XXXX called and cancelled. We do not have the doors and no longer want the product. The company has the doors. We are dissatisfied with the product and the lack of service.

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 2021-07-31 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: WA

Complaint narrative:
This is an update regarding Complaint XXXX issued XXXX, It is now XX/XX/XXXX ... and there is literally NO RESOLUTION by XXXX XXXX XXXX ( BoA ). Since XX/XX/XXXX, it has been a series of delays and 'give us more time ' delays with no resolution by this bank. This is ridiculous! It's feeling like monthly stall-tactics are being used by the bank. Please note that social media is a powerful tool to upon other consumers about this bank 's activity. I've resisted use of social media up to this point thinking that proper resolution would occur at a reasonable time. Clearly it has not -- and now it is time to use this powerful too to warn others about XXXX XXXX  ethics. 
COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Fees or interest XXXX XXXX XXXXXXXX XX/XX/XXXX Open Company response is in progress as of 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 explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK
State: AL

Complaint narrative:
On XX/XX/2021 I was unable to access my XXXX account via the mobile app. I had used the app previously with no problems, but on that date it gave an error that my device did not meet security requirements. I called customer service and they suggested accessing the account through a browser. I tried several browsers on different computers and got the same error, but was finally able to log into online banking from an incognito window. The CSR said I would be unable to use XXXX ( my reason for logging in that day was to send {$1000.00} for a car downpayment ) from the browser, and it would only work from the mobile app. She said they would open a ticket and look into the issue and get back to me. I was never contacted about this issue again, but was able to borrow money from a family member to get the needed funds that day. Starting on XX/XX/2021, I was no longer able to access online banking through any method ( an error said my credentials were incorrect ). I called to have this resolved on XX/XX/2021. I was told I would no longer be able to access my account due to " business reasons '' and my account would be closed. I asked to have my funds transferred to another bank and was told they would not be able to access my funds, but sometime after my account closure, they will my me a check. At this time I can not even check my balance or transaction history, and have no way of verifying if they are actually accounting for my 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 2021-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
Regions Bank branch located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX : ( a ) refused to accept 3 Series EE United States Saving bonds, despite accepting 6 other ones, stating, " they have small punch holes in them and they can not slide through their machine '' They told me I had to go deal with it on my own ; ( b ) refused to treat the 6 accepted Series EE United States Saving bonds as US currency and instead treated them as a check deposit, not giving immediate access to the US backed currency, and is at this moment, still pending.

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 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Orions Management Group, LLC
State: MD

Complaint narrative:
I've been unable to reach the original creditor that sold this account to Orions Management Group in the amount of {$550.00} On XX/XX/2021 without any notice or phone call, Orions Management GR opened an account with XXXX  alleging I've been in collection with their firm for 2 years and 8 months damaging my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/2021, I was mailed a letter to my home address from Home Depot Credit Services informing me that the consumer credit card I applied for could not be processed due to a credit freeze on my credit report. I DID NOT APPLY FOR THIS CREDIT CARD. Fortunately, because of the credit freeze I have in place, the credit card has not been processed. I will attempt to contact Home Depot Credit Services and tell them to stop processing this request.

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 2021-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
From XX/XX/2021 - XX/XX/2021 Halsted Financial has called me over 7 times ( 8 times as of XX/XX/21 ) I have tried to block their number but they use different phone numbers to bypass my attempts to make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Acknowledge Debt Resolutions
State: NY

Complaint narrative:
XX/XX/2021 received a call XXXX a guy saying that he was from a ADR XXXX XXXX he kept talking and wont stop he was very rude he told me that I have to pay this money. The email was ( XXXX XXXX ) XXXX and the other phone number XXXX. I was told i owe money from a loan I took out from XXXX XXXX. I asked them for more information on the situation and they would not tell me anything except that they would take me to court and garnish my wages if I didnt pay. They knew my old address and the last 4 of my social. Out of fear I gave them my email and they sent me a link that went to a deleted link. Im almost positive this a scam but I just want to make sure so Im writing this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: IN

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am a XXXX United States citizen and Wells Fargo bank continue to tell me that I owe them {$290.00} cents for over draft fees in which I never authorized them to sign me up for over draft protection and I have told them on numerous occasions that I don't even know how to use online banking and I never authorized Wells Fargo bank to sign me up for anything without my permission. But after going on 3years they didn't say anything about me having to pay any fees in which I should have been informed about all these hidden fees but even now Wells Fargo bank and it's bankers played along with them and are getting paid big money just to stay silent and the bankers and Wells Fargo bankers know what Wells Fargo bank executives are doing and are afraid that they will loose their jobs if the these bankers don't do what their superior tell them to do. And Wells Fargo bank has taken advantage of these consumers by forging people names on documents without the consumers authorization and knowledge. I have tried to let this institution know that I have not given them any permission to sign up for for anything without my consent. Now it's obvious now how Wells Fargo bank has been sued not only for taking advantage of people that are XXXX and Wells Fargo bank has been sued for discrimination as well. But in these days in time and are in a pandemic they are getting money just to feed their families and loved ones. By holding and opening up fake accounts and taking money with out the consumers consent and permission. And I have tried to get the information on what was in my savings account and they the bankers want to tell me hold on I will let you talk to my supervisor and and waiting on the phone just to seek out the truth about what is going on with my account. And the results has been click I have been hung up on by this financial institution and now they Wells Fargo bank wants me to give them my debit card number and my account number if I did that this is how they would justify that I have gave them authorization to charge me that {$290.00}

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