vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am the XXXX  for our local XXXX XXXX XXXX. We bank with Regions Bank. In the Spring we have a big fundraiser where we sell and spread XXXX  to help raise money for the kids to pay for outings, gear and Summer Camp. On XX/XX/XXXX we made a deposit that was about {$10000.00}. There was one check from a XXXX customer where the customer had written the date as XX/XX/XXXX and then changed the day from a XXXX to a XXXX. There were initials above it. The remitters bank ( XXXX XXXX ), refused to pay the item, and Regions returned it unpaid as altered and proceeded to place a hold on the entire account to investigate XXXX XXXX. The balance was over {$50000.00} and they froze the entire account, not just the {$220.00} that represented the check in question. The notice that we received in the mail only indicated a hold for {$220.00}. I went to the bank when a check totaling {$7100.00} for a trailer of XXXX was returned with a reason of Frozen account. The Regions manager opened a ticket and within a day told me the hold had been lifted from the account. We continued to do business by making deposits and writing checks for expenses. Then on XX/XX/XXXX I learn from a XXXX parent that a check we wrote him to reimburse some expenses was returned unpaid after he made a deposit into his Regions account on XX/XX/XXXX. So, I end up back at the bank to see what had happened. Apparently the hold that was to have been deleted on XX/XX/XXXX was never deleted. After my request to escalate, the manager was able to get the hold lifted by the end of the day. I have been in the financial services industry for 16 years, 15 of which was in operations for XXXX XXXX. 

Here are my issues with my experience. Im sure the date being changed triggered some flow chart of policy that was followed to return the check unpaid. But if someone actually looked at the check, they would realize that the date being changed from XX/XX/XXXX to XX/XX/XXXX ( initialed or not ) has no impact on a check that isnt deposited until XX/XX/XXXX. Any check that isnt stale dated or post dated should be fine if the date of deposit is after the date on the check. If the check in question is only {$220.00}, why put a hold on the entire account balance? If there is a freeze on the account for research of deposit fraud, why not block all credits too? Why continue to let us deposit into the account? And lastly, when you send notice that there is a hold on {$220.00}, only hold {$220.00}, dont hold the entire balance. Regions has been standing in the way of 45 Boy Scouts having access yo money they have earned to pay for XXXX XXXX. And while this XXXX be the way banking is done, it definitely isnt a good customer experience. It makes people question Regions ability to handle their business

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 2023-04-29 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: FL

Complaint narrative:
The dates i started to write down are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( there were several more contact attempts/disputes that i deleted from XXXX ). Experian is reporting an incorrect balance on 4 student loans that have {$0.00} balances. I've called experian, I've submitted online disputes, as well as submitted a copy of the last statement showing the accounts are paid ( {$0.00} balance ). Experian has not done their job in verification of the information as they continue to show the wrong balances on the accounts. I've spoken with representatives and was lied to by the last rep who said the info was verified with the company XXXX. I've called XXXX and they confirmed the account has a {$0.00} balance. 

Experian is reporting I owe the following : {$5300.00}, {$7200.00}, {$5300.00}, and {$7400.00}. All incorrect!

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 2023-04-29 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: T.S. Holdings
State: IL

Complaint narrative:
They failed to notified me on this information. This supposedly happened in XX/XX/XXXX and the Iq Data says it is XX/XX/XXXX and there was absolutely no notification of this depth. 
Also Iq Data is charging interest every month, In. Previous cmplete the state they are not a collection agency that is why they can charge these fees, this is a lie in violation. They are a collection agency and charging illegal fees to consumers. Where in the contract they claim to have say they can collect interested. They have failed to show proof of this, and provided this agency false information saying they are not a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Hi PayPal, A couple of weeks ago, someone hacked my PayPal account because I lost my mobile number and they were able to reset the password. I managed to recover the account a few times, but the hacker kept resetting the password and transferring all my money to two of their own PayPal accounts. 

Here are the transaction details : Transaction One : XXXX - Amount transferred {$180.00} USD Transaction Two : XXXX - Amount transferred {$96.00} USD I opened an unauthorized dispute, but it was closed, and the reply was that no authorized activity was found. I don't understand how this is possible. My money was transferred without my permission, and my PayPal account was permanently suspended without my knowledge. Now PayPal is telling me that the transaction is consistent with my PayPal history, but it was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: NJ

Complaint narrative:
I feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. Experian, XXXX and XXXX XXXX has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.

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 2023-04-29 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
In XXXX, XXXX alerted me to fraudulent charges. I went onto XXXX and changed my password as they advised. A few days later, they alerted me again, and there were 11 total charges for the same merchant ( that were not made by me ). I opened a dispute with XXXX, and a few days later, they credited me for one of the charges but not the others. My credit card bill was coming due, so I called Barclays Bank and disputed the remaining charges. They credited all the charges back to my account but added some back on earlier this month and the remaining ones a few days ago. After multiple phone calls to XXXX and Barclays, I was told by XXXX that they could not resolve the dispute because they were still waiting to hear back from my creditor. Barclays says they added the charges back onto my account because XXXX confirmed they were valid. My credit card bill is due, and I do not have an extra $ XXXX to cover these charges. I have excellent credit. I do not want to ruin that, but what else am I supposed to do? I can't believe neither of these companies has been able to do something to resolve this issue.

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 2023-04-29 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Macys called me and asked me was I trying to make a large purchase, I told the no! The said ok we are canceling your card and sending you a new one! A few days go by and macys called me again and asked me for a second time did a make a large purchase and again I said no! The guy then tried to send my another one and I said no cancel my account Im done with Macys because I feel it was happening internally the man tried to say my information was stolen and I informed him that out of all my credit cards Macys is the only one affected and whatevers going on is happening on their end he then advised me to report it to the credit bureau I did and the dispute was not overturned

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 2023-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I paid for items on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been adding money on to my account and it was not taken off yesterday XX/XX/XXXX. I was re-charge in the amount of XXXX, XXXX XXXX and {$23.00}. I reached out to customer service. I was hung up on. I asked for proof stating that the money was reversed to my account which it does not show on my transactions. I was told that my account was adjusted for the money that was not taken out. There is nothing showing that on my account, so when I added money to pay my insurance, cash app took {$100.00} out of my account without notice or without reasoning, I was unaware of any charges being reversed to my account. It has caused a hard ship because the money was for my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Home Loan Center, Inc.
State: IL

Complaint narrative:
This group of scammers ( claiming to be from LendingTree ) reached out in the afternoon claiming that I was already approved and guaranteed for a {$2000.00} loan, but that due to my poor credit score I needed to send them back the money they would send me first. They had me electronically sign and send back a PDF document agreement of their process via email, then they used my XXXX XXXX account information and credentials to file claims to rack up {$2200.00} in payment reversals. They then asked me to send them that {$2200.00} via XXXX XXXX, after which I would be on a brief waiting list to receive the {$2000.00} loan in my bank account before the end of the day. These scammers have my SSN, my drivers license number, and even my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: PR

Complaint narrative:
I fill an application to a secured credit card with Discover 7 months ago. I pay directly from my account {$1000.00} to them. I waited 3 months and in the meantime i call 6 times because i didnt received the card and they keep saying to me they going to send it again but i i never received the card and we recheck the addresses and was correct. So then i decide to close the account and ask for my money back on XXXX and they tell me it has to be in check and by mail. I explain to them that for some reason i dont understand i didnt receive mail from them and thats the reason i closing it so obviously if them send the check to the same address by the same mail i dont going to receive the check. They told me that was the process and they cant do different. So i waited and again the same problem, i didnt receive my money so the tell me i have to wait 30 days for a reason from the mail that explain why i didnt received the check, and they cant send it to another address and cant deposit to my account. Every month since i call them and they answer the same thing. I dont know what to do i waited 4 months and nothing happens and also they send the report to my credit, they affect my credit for a card they dont send me and now i have worst credit, no card and no money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
Greetings my name is XXXX XXXX XXXX XXXX and I believe my banking institution has been weaponized by our Missouri Chief officer XXXX XXXX XXXX that has initiated a unlawful acts of abuse and deliberate indifference as I pursued this official of Governor XXXX XXXX in Federal Court and now that he has not only been protected y the Clergy and appointed to our Banking Commerce by Gov XXXX. Now my services with my bank has been retaliatory. 
Count 1..bank fraud : The date would be my last payday XX/XX/2023. I brought a check phsyciallyn in the Regions bank at XXXX and XXXX XXXX XXXX XXXX for the amount of XXXX charge cashing my check. I would cash this check then deposit {$380.00} and take cash on hand in the amounts of {$150.00}. 

There was {$380.00} left in my checking account. I would go on this day making two transactions later from this account as I was given the Regions Bank slip with the amount of {$380.00}, but my lender has tried ample times trying to deliberately entice me to become irrate or enraged by abusing my rights as a banking costumer deliberately freezing my.account after I had already made two transactions with the account earlier in the day to my.cash app.. 

I would still have funds in my account but transactions would be declined right around the time my banking institution was about to close this same day. I called the banking institution? I frequent at that has caused these deliberate problems. The XXXX XXXX Banking attendant would tell me " my account funds were held do to a Checkm, I brought in to there business this day and deposit this same day, XX/XX/2023. This is false and a absuive tactic these employees were given direction to perform from what I believe is directly from the top as I never deposited any check this day. I only cashed a check, deposited {$380.00} and took home {$150.00} XXXX was a check, I cashed then deposited {$380.00} as I was given the PD SLIP- XXXX XXXX # XXXX XXXX # XXXX DA XXXX XXXX XXXX {$380.00}. 

There were still funds in my account this lender 's fraud would obstruct not to be use by causation caused by this lender employee trying to deliberately entice or anger this costumer so he appears a certain way fighting against corrupt officials appointed by Governor XXXX XXXX. It did not place any fear in me! I am coming after XXXX XXXX XXXX XXXX! Respectfully! Especially for these type.of stunts weaponzing agencies and businesses with these absuive tactics. Please let him and them know? THIS IGNITED THAT FIGHT AGAINST HIM!

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 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXXThe bank created an early deposit program where money is available in your account up to two days prior to your initial payday. I had money deposited into my account and I began to pay bills. I noticed that on the next day, my account was negative XXXX. I called to see what was happening and was told well your statement balance at the end of the day remains the same even though you have access to the money. I shared with the representative that the statement disclosure she shared was not on their website and that I took screenshots of what it says. I also shared it is misleading to customers and wanted my money back to make my account not be negative. I was told they could not do that and referred me to a supervisor that did not help. The supervisor then told me my account at XXXX  on XX/XX/XXXX had a balance of XXXX and when the first bill posted on the XX/XX/XXXX, my account was negative. The supervisor then stated that my deposit posted on XX/XX/XXXX. I shared that isnt possible if my account reflects I have funds and were making purchases from my XXXX account that pay out immediately. The supervisor continued to say that even though I have access to those funds, those funds arent really in my account. I asked for the money back or to make my account current and the supervisor said she was unable to do that and would make a note to update the language on the website. 

XXXX My account is now negative XXXX as bills are posting. The deposit the representative said posted on XX/XX/XXXX still reflects as pending. There are still no updates on this process and I informed them I will be leaving the bank after all my bills clear and take my business elsewhere. You can not think you are helping customers and not be honest about what you are advertising. It is misleading.

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2023 - I have disputed a bankruptcy in my Transunion public records. My credit monitoring service has detected the us of my name and social security using the address XXXX XXXX XXXX, XXXX, North Carolina XXXX. I have disputed this bankruptcy with and address with XXXX. Both consumer credit reporting companies keep verifing this fraudulent activity after investigations. I have attached the Identity Alert from my credit monitoring service XXXX XXXX to show proof that someone is still trying to use my name and social security number on the DARK WEB and they are using the same address that is reporting on my XXXX consumer file. Screenshots attached to show proof. The information is not information relating to any transaction by me. THIS IS NOT A ERROR! 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

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 2023-04-29 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: NJ

Complaint narrative:
I feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. XXXX, XXXX and Trans union has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.

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