vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was attempting to buy tickets for a concert in XXXX on Tuesday, XX/XX/XXXX, XXXX XXXX were playing. I was trying to buy tickets off XXXX the day of the concert, which I've done in the past. Someone agreed with me to sell the tickets at a reasonable price, two for {$240.00}. The seller wanted to do the transaction via XXXX, I never used XXXX but presumed it was safe because it was linked with my bank. I attempted to transfer the funds to the Seller at the email address XXXX, but the transferred failed to go through due to an error with the Seller 's XXXX account. I usually would have been alarmed by this but the seller was incredibly pleasant and immediately suggested we use his wife 's account at XXXX and he gave her name as XXXX XXXX. The fact the account was already set up and he provided a full name that was associated with the XXXX account reassured me to send the money. I sent the money and texted the seller if his wife had received it, he said they could not tell. I noticed that the XXXX transaction stated it was received so I asked again and the seller told me to simply hold on because he was out work. I got very frustrated after ten minutes and proceeded to repeatedly call the Seller, but the Seller did not pick up. It appears the number is still in operation, I tried calling it from an unknown number today but no response. The seller 's number is XXXX I called my bank, Regions, the next day after it happened to see if I could get the transaction blocked. The Regions representative was nice and sympathetic, he told me that they should be able to block it and that it would take 3-5 business days. I made this call on Wednesday, XX/XX/XXXX. I received a peculiar notice ( attached below ) that the regions disclosure statement and agreement for electronic banking services had been amended on XX/XX/XXXX. Interestingly enough, the amendments were primarily to the section regarding XXXX and other payment services. Section 7 covering refused and returned transfers was amended, the section now states that Regions will use reasonable efforts to block prohibited transfers and return funds. I'm curious as to what the section said before. Nonetheless, I called Regions on Wednesday, XX/XX/XXXX because it had been 5 business days and they informed that my funds could not be returned because XXXX does not have a fraud prevention policy when the transfer was authorized by the user. I felt betrayed due to my belief that the transfer was through my online banking portal it would be safe and that Regions would prevent or reverse any fraudulent transaction. I was sketched out about the curiously timed amendments and by the fact that Regions did not contact me when they knew my funds could not be returned.

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 2021-12-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have items in my report that I have disputed and it has not been removed I have a bankruptcy that is reporting inaccurate dates and has been remove from 2 bureaus but not the other this is feet frustrating and I need help dont understand why items that can not be explained are on my report

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 2021-12-16 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: CA

Complaint narrative:
I tried to set up auto pay several times prior to XXXX in XX/XX/XXXX, Auto pay was not working and I was under the impression that the autopay was working. When I discovered the situation I paid the account back to current. Tried to set up autopay and it still did not work. I spoke with a representative on XX/XX/XXXX about the 90 day delinquent status on my credit report and was told they did not credit department for me to speak to someone directly and that I would have to file a dispute with the credit reporting 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 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
I bought a water softener and they used Castle Credit to finance it. On my contract with the water softer company there is no terms, interest rate, or amount of the monthly payments. Soon after we started getting phone calls from them and they wanted {$80.00} every 2 weeks for 60 months. We have paid them for the last 4 years. I had some money to pay it off and so I called them asking them to show me what I owed. They said I have only been paying half them time, so I asked to send me proof and they won't. They refuse to show me what I have paid and want XXXX on a XXXX water softer. I just want proof. They put it on my credit reports and won't stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have items in my report that I have disputed and it has not been removed I have a bankruptcy that is reporting inaccurate dates and has been remove from 2 bureaus but not the other this is feet frustrating and I need help dont understand why items that can not be explained are on my report

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 2021-12-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have items in my report that I have disputed and it has not been removed I have a bankruptcy that is reporting inaccurate dates and has been remove from 2 bureaus but not the other this is feet frustrating and I need help dont understand why items that can not be explained are on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX I deposited my XXXX XXXX XXXX XXXX Pay check in person at local branch near the location I had been work at that day. When the deposit was done I received a receipt of the transaction then ask for estimate availability to my pay check. The response was tomorrow. To my surprise the follow day I woke up to a notification stating the my paycheck had been place on a ridiculous extend hold of the full amount to the XXXX. I have yet to speak to anyone who will help me. I am being told there is nothing that can be done after that hold is place on the check. No one can release it, and it done to insure the check does not bounce. I work for a government funded entity, I cant understand when has a XXXX XXXX XXXX XXXXXXXX XXXX pay check ever bounce. All 3 calls was with there customer service line with no resolution. I have been charge multiple over draft fee to automated payment I could not change, expecting my hard earn money to be in my account to cover my bills. I been force to use credit cards to get by, beside incur penalty due to the rejection of my automatic payments. This isn't the first XXXX XXXX XXXX XXXXXXXX pay check I deposited and never have dealt with such egregious treatment from a bank. The check was for {$2000.00} dollar which is well below the regulation that governor {$5000.00} and above. My account has been open for 10 or more year so new account regulation wouldn't pertain.

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 2021-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I had a XXXX lease for XXXX XXXX XXXX. I opted to do a lease buy-out approximately 2 months before the lease end date, with date of sale recorded on title by Ally Financial as XX/XX/XXXX ( for purposes of assignment of title to me, as the new owner ). 

The lease was through Ally Financial. 

The buy-out was financed through my new financial institution, XXXX XXXX XXXX XXXX XXXX who are the current lienholders. 

Ally Financial was very slow in getting me any of the documentation I needed for the refinancing through XXXX. I had to make several calls to Ally, and got transferred numerous times to make it clear that I needed the documentation for XXXX. 

On XX/XX/XXXX, I made contact with an Ally Financial person who could provide the documentation to release the title ( was sent by email after I hunted it down ). I promptly filled everything out, and sent across successfully to Ally Financial on XX/XX/XXXX. This included the Bill of Sale, and the Odometer statement. On the odometer statement, I recorded the actual on the day, which was XXXX miles. 

I received from XXXX the physical title for my vehicle ( with the previous owner 's and lienholder information ) around XX/XX/XXXX. 

The physical title has a glaring error for the odometer : XXXX miles, which was provided by Ally Financial. The first time I saw this error was after XXXX had received the title from Ally, and it got sent to me. 

I have tried to no avail to correct this with Ally Financial, but was told by them that it was my fault and they gave me the runaround. THEY ARE LYING. XXXX can not help in this matter. It's up to Ally Financial. I believe that XXXX, XXXX was the capped mileage per my previous XXXX contract, and they just lazily wrote that in. They apparently ignored the odometer statement that I dutifully provided them. Now, my car 's value has lost several thousand dollars in today 's market because Ally Financial willfully put the wrong information on my physical title. They were also delayed in providing XXXX with documentation that I needed to file at my local DMV. I went to the DMV today ( XX/XX/XXXX - first appointment I could get over the past few weeks ), and was told that I needed to pay fines in excess of {$100.00} because of the time lapsed between the Date of Sale ( XXXX ) and filing.. My DMVXXXX  XXXX XXXX XXXX only allows 30 days to lapse. This is was all out of my control, and not fair. I have tried to petition XXXX to help me, but they are not able, and say it's all Ally 's issues, and take it up with them. I am unable to resolve with Ally.

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 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a call from someone claiming to be a lawyer from the XXXX XXXX XXXX XXXX When I called back a man named XXXX XXXX, claimed I owed him {$22000.00} on a chase credit card debt from 2004 He said he was coming to my house to collect the money and if I wasnt there he would be tracking me with his cell phone He demanded that I pay him in full at the moment without providing me any information I had an old debt with Chase from 2004 which was resolved maybe 15 years ago though the debt was sold off to a company called a Unifund. This person XXXX XXXX claim to be a paralegal and working for a law firm that simply does not exist He threatened me he called me a liar he told me I was unworthy that I would be punished that he would track me by my cell phone at work or at home and regardless of who was there he would demand that I pay him the money This was an incredibly disturbing interaction and this man should be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I just want Carrington Mortgage to explain why they're not reporting my credit history to the there credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TN

Complaint narrative:
Please remove these items off my report I have disputed these items a couple of times it has been on my credit quite a while please look into this matter it has not been verifying

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 2021-12-16 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: TN

Complaint narrative:
Please remove these items off my report I have disputed these items a couple of times it has been on my credit quite a while please look into this matter it has not been verifying

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: GA

Complaint narrative:
I applied for a personal loan with the consent of my wife, for whom I have a valid power of attorney conferring the power to enter into promissory notes. Payoff refused to speak with me about the account, including refusing my offer to provide the power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Progrexion Holdings, Inc.
State: NC

Complaint narrative:
Two Credit.com credit pulls on my credit report on XX/XX/2021. I have not talked to them or interacted with them in any manner. They did NOT have consent to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In the year XXXX i went to best buy to get a computer for the amount of {$1700.00} i was willing to pay off the computer when one of the associates told me that if i open a credit card with best buy I will get promotional offers and discounts the card No. is XXXX XXXX XXXX XXXX and to other products but they never mentioned or show me that will pay {$99.00} every two years for the card. 
I paid in full all my products then later i received this incorrect charge of {$99.00}. I call Best Buy/ Citibank about the charge and I explain that I never sign for that type of card and I told them that the associate never mention to me that i will be charge {$99.00} to have the card. I Told them that they need to removed the total amount and they did not do it they continue adding interest on that amount. from {$99.00} now is {$390.00}. 

I sent letters 3 to disputes this charges and they only sent me letters to call them only to received the same answer. That I need to pay the amount mentioned above. {$390.00} I explain that I went to best buy where I they offer the card and the Manager told me that that they don't charge annual fee for regular store card only XXXX XXXX I explain that in my disputes that I have only regular best buy card, and they insist that I need to pay that balance. So in XX/XX/XXXX I request for the card statements since the first charge ( that even the representative told me that many people called in the past for the same reason, that for me sounds like a fraud!! ) so I request the contract from that regular store credit card so I can find the specification of the charge, they told me 30 days since that they and I have not received anything form them and now is XX/XX/XXXX. 
I need to report this fraud form!! Best Buy /Citybank as a consumer I have the right to see the original contract from the card and the first statements where I Can see the first charge. They also hurt my credit with bad reports for this situation!! that is why I need your help mainly to see the original contract of the Best Buy credit card and the first charge. So I can go right away go to the manager that keep saying that they don't charge for that type of credit so I can certified that they that they are lying to the people.

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 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD credit card was lost in XX/XX/2021. I locked the card immediately when I realized it. I always pay credit card balance on time. But after I locked my card, my credit card was still be charged monthly by XXXX XXXX. I called the fraud line of TD, every call is holding for over one hour. And problem is never solved. Finally I have to close the account. But the credit card keeps charging the monthly payments plus the Penalties, fees. And put me to collection, damage my credit. 

I also locked the second card for the account. 

Im not supposed to receive these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion has become the worst credit gathering agencies that the public have to heavily relied on when they are obtaining credit for something. And when something is incorrect and try to talk to someone or dispute it never gets resolved. You can not ever get through on the phone anymore, it just rings a few times and then hangs up. Their web site tells you to send a pvt message on XXXX to them. However you can not ever chat live with anyone. You have to just submit issue and can take up to 72 hrs to get a response. Then if they ask you something else and you respond back another 72 hrs .... this could continue for a long time back and forth. I also have submitted the dispute twice so far and both have said it came back with no update. However this account remains showing closed on credit file with them ( the other two agencies have no issue with it ) and has been open several years. The last dispute I did online with them ( XXXX ) and also uploaded a copy of my statement for that account to show it was valid and open, was showing please give them until XXXX to resolve. Now today when I go online to see if anything on it yet, it shows that there is no active disputes for me and doesn't show in the history, like it has never happened Only the two I did in XXXX. So again I can not talk to anyone about it, just submit a XXXX request and wait and wait and wait. This has become a very unrealistic credit scores that is given to companies for credit worthiness.

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 2021-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: NJ

Complaint narrative:
I received a letter from National Enterprise Systems of XXXX Ohio to collect a debt. I requested information from National Enterprise Systems on several occasions via U.S. certified Mail for the past 3 months they have only provided 2 documents as I requested several documentations. Especially being that they are located in Ohio and I reside in the state of New Jersey. I requested documentation that this company is legally able to collect any debt in the state of New Jersey if so, provide licenses information. I tried to be lenient with National Enterprise Systems in which I explained to them that it is my right to request documentation and to receive it. National Enterprise Systems has been in non compliance since XX/XX/2021. I've attached all documents. 

See attachments.

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 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent outsourcing is a debt collection company its agent keeps calling from an Alabama number. I do not have XXXX XXXX I havent had XXXX XXXX for over 11 years. 

The agent called my number over 100 times in the last year

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