vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Our Regions Bank accounts were emptied by an unauthorized user beginning about XXXX XX/XX/2023 until we were obligated to close all our accounts at Region in XX/XX/2023. We believe that unauthorized person ( s ) were able to request and receive an ATM card without our knowledge or permission. 
Withdrawals were made that were out of character for the account by person ( s ) making maximum daily withdraws at Regions ATM machine XXXX miles away from where we live between XXXX XXXX XX/XX/2023. We went into the bank to report suspicious activity on our accounts- and the thefts continued despite our asking for a freeze and red flag any account activity! Several XXXX more was withdrawn after we alerted the bank to the fraudulent withdrawals. 
We have disputed these withdrawals and particularly demand to know who and how the request for the ATM was made with Regions Bank. We have provided the bank with all the evidence we can that we are victims of a crime of theft from our accounts for {$6900.00}. 
We provided Regions Bank with public information regarding the release of confidential banking information from Regions employee that impacted a large number of account holders in the area where our funds were illegally withdrawn. Regions, despite that evidence, denied our appeal. 
After 3 appeals to Regions Bank internal investigation, we continue to be denied a claim as they report the withdrawals were authorized. We have filed the necessary reports with our local Sheriff 's office and we forwarded that report to Regions Bank. A copy of the Victim 's Report from our Sheriff 's office has been forwarded to the area where the actual thefts occurred in XXXX XXXX FL. This Sheriff 's report will be forwarded to Regions Bank once it is assigned a case number and published. 
We are seeking any kind of external support to investigate our claims of fraud and seek to have our funds 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 2023-07-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 explanation
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: ID

Complaint narrative:
I received a collection notice dated XX/XX/XXXX from a company called " afni '' in XXXX, Illinois. The notice is attempting to collect a debt for XXXX for a company phone I was issued by my employer at the time, XXXX XXXX The managers didn't want the phones, we returned the phones in XXXX and our employer covered the costs. 

I spoke to XXXX at afni this morning, who told me the debt of {$94.00} has been reported on my credit reports, that he would indicate the debt is disputed but wouldn't guarantee the debt would cease being reported to the bureaus. The debt is invalid! The debt is from 10 or 11 years ago. Please advise afnit to cease and desist immediately. 

Please contact me if you have any additional questions. Thank you very much for your assistance with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
XX/XX/2022 I sent a dispute letter to all three bureaus ( XXXX, XXXX, and XXXX. ) When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist or the collection company intentionally added more to the amount than is really due. I have tried to communicate with the bureaus, and the Creditors to no avail. No one has been able to verify these accounts as accurate, and yet they have not been deleted from my credit report. Attached also below is audio from me speaking to a XXXX representative that two XXXX  collections ( XXXX  and XXXX XXXX ) are inaccurately being reported and 1 is just falsely reporting from XXXX XXXX even the balance amount is wrong. as well I called XXXX company and they told me they no longer have my collection and they had sent it back to XXXX and I was to reach out to them for further assistance. I also have sent a dispute of these accounts and failed to receive the request verification of this account! The other account has been disputed as well and again it's not reporting correctly and failed to be verified as mine, but it is still on my credit report. To reach XXXX requirements I had to cut out a significant amount of the call. The representative did state that those items would be removed from my credit report if I paid, and I did pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XX/XX/XXXX a charge went in to my regions account I transferred money from cash app the next day to cover the negative balance. They still charged me a XXXX $ overdraft fee. The manager at the XXXX, TX location said she would get back to me before end of day when I called. And I also used the chat that night. Nothing was done. 
On XX/XX/XXXX they returned my payment which brought my account back positive and still charged my account a {$34.00} overdraft fee. On XX/XX/XXXX I called the XXXX XXXX number and spoke with XXXX and told her about both incidents. I told her I know it's computer generated and sometimes it mess up she told me none of the higher upside could fix it. She told me to call the branch manager at XXXX and follow up with her since she didn't follow up with me.

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 2023-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
In XXXX I filed for mortgage assistance and received paperwork that would change my mortgage payment to XXXX per month and HUD would cover portion of the claim. At the time I was over {$6000.00} past due. Due to some serious personal issues, I failed to return the paperwork by the due date but faxed the information back anyways. I received a denial letter dated XX/XX/XXXX stating they were unable to offer me mortgage assistance because the signed documents were not returned. I proceeded to file again and was offered a way worse option. I was informed that my payments would increase to XXXX, my loan would be refinanced with a higher interest rate. When I purchased my home in XXXX of XXXX, I had a fixed rate of XXXX. The new terms changed my rate to XXXX and changed my maturity date from XX/XX/XXXX to XXXX/XXXX/XXXX. If I was unable to make the previous payment, why refinance my loan with a higher interest rate, payment, and increase my maturity date. I filed the modification to help me reduce payments and I want to keep my home. I had a relationship that resolved that left me with a huge debt, in household income and XXXX children to take care of. I also had XXXX children that caught XXXX, digital learning had begun and bills begun to pile up. If HUD was willing to provide the previous offer, why was I not allowed to be offered the same offer of XXXX when I reapplied for the modification? I went online to view my documents related to all of my modifications and was unable to see any of the documents that were sent out to me or the documents that I sent in. I was forced to accept these terms due to me not wanting to lose my home and be homeless with XXXX kids. I think that the actions taken against me was unfair.

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 2023-07-24 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: NY

Complaint narrative:
I checked my Experian credit file and found 3 personal loans taken out in my name from the company " XXXX XXXX ''. The XXXX personal loans were taken out on ( 1 ) XX/XX/2022 ; Balance : {$770.00} ( 2 ) XX/XX/2022 ; Balance : {$510.00} and ( 3 ) XX/XX/2022 ; Balance : {$800.00}. After speaking with Experian, they have indicated that the address associated with the three loans is : XXXX XXXX XXXX XXXX, VA XXXX. Further, I spoke to the company, XXXX today, and they could not provide help regarding the three loans. The loans have negatively impacted my credit score and the status is now collection account. I would like to resolve these discrepancies as soon as possible. Thank you.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phillips & Cohen Associates, Ltd.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX called XXXXXXXX XXXX XXXXr. XXXX XXXX  does not accept personal calls. XXXX  XXXX  requested agency 's address to send a formal notice that personal calls are not accepted. Agency refused to provide. Agency stated they had no compliance department and no supervisor. Agency claimed corporation was " harassing '' it by stating that they were violating the FDCPA by not providing accurate contact information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that not proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please see attached dispute accuracy [ 15 U.S.C. 1681i ] and important information on the credit file dated XX/XX/2023. /s/XXXX XXXX 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 2023-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CT

Complaint narrative:
On XX/XX/23 I opened an account with US Bank ( account # XXXX. I was promised a {$500.00} bonus if I kept the money there for 60 days. I signed up for e-statements. They sent me a paper statement and charged me {$6.00}. That would make me ineligible for the {$500.00}. I called them, they reversed the charge and I was told it would not affect my bonus. After 60 days I called and they said I was not eligible for the {$500.00} because the balance went under the {$3000.00}. I have called them at least 10 times trying to fix this. I feel they purposely sent me a statement so they would not have to pay me and then they lied about it. I would like my {$500.00} as promised.

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 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello, On XX/XX/19 I placed an add on the classified ads at XXXX wanting to buy a XXXX XXXX XXXX XXXX XXXX XXXX A person named XXXX XXXX responded, sent pictures and said he had a kit for sale. His email address is XXXX. He provided instructions for me to use paypal, but specified friends and family. I did not realize that this was not the same paypal I am used to that gives protection. 

Of course this was a scam and I never received the airplane. However, within 8 hours of sending the funds I opened a dispute with paypal. 

My belief is that Paypal should have a popup when you do friends and family that warns you will have no recourse if item fails to ship. I have yused PP many times and have actually used the protection when an item failed to ship. I did not realize that this was different. Their fine print specifies it, but only after I looked. 

I lost {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I filed a charge dispute regarding my credit card at Bank of America, the merchant was supposed to refund me {$400.00}, and I never received the refund, and the merchant stopped responding to my inquiry. So i went to bank of america to file a credit card dispute, i gave all the documents required to the bank of america financial center ( XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) employee to fax over to their claim Department, he told me he faxed all the documents, later when i called ask for update, they told me they didnt received any documents to support my claim, and blame me for not calling and check, told me the time has passed, they no longer able to help. After countless hours waiting on the phone and physically being at the branch 3 times, they are denying responsibility and refuse to help. I had the same claim filed through XXXX XXXX XXXX, it was resolved in less than 40 mins on the phone. Bank of America just refuse to look at all the evidence and refuses to help.

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 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
XX/XX/2020 is when the account was reported to of been opened with XXXX XXXX XXXX, says I owe {$7900.00}, I have never had an account with AT & T, I can not see the account number. It was given to Credence Resource Management. I disputed it with XXXX as well, they are looking into as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is an on-going issue I'm having with TRANSUNION. They are violation of the FCRA. Per 15 USC 1681 ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SO WHY ARE THEY STILL VIOLATING MY CONSUMER RIGHTS AND SHOWING LATE PAYMENTS AND UTILIZATION ON MY CONSUMER REPORT? THIS IS CLEAR VIOLATION OF THE ABOVED FCRA SECTION. It shows I have charge offs for : XXXX XXXX {$3600.00} XXXX {$3800.00} XXXX XXXX {$1100.00} XXXX XXXX  {$15000.00} XXXX XXXX {$0.00} XXXX XXXX {$130.00} XXXX  {$110.00} Collections : XXXX XXXX XXXX {$1400.00} None of my transactions or experiences should be shown. WHY ARE THEY VIOLATING MY RIGHTS AND THE CFPB DOES NOTHING. HELP!! ANY AND EVERYTHING RELATING to my Charge OFF Accounts, Late Payments of credit Utilization should be removed within 10 days of receipt of this statement. I JUST retained a consumer law lawyer to file for arbitration against XXXX and any of its affiliated for the violations that I'm incurring. How its causing me gravely consequences even though the violation is as clear as day. I'm looking only for deletions and failure to do so will result in me seeking monetary compensation for each violation granted to me under 15 USC 1681 n1. I will be seeking no less that {$1000.00} usd for each violation and we've counted over XXXX. PLEASE DELETE ALL RECORDS OF LATE PAYMENTS, UTILIZATION, CHARGEOFFS AND COLLECTIONS PER THE FCRA. THIS IS THE LAW, ITS NO REASON TO REACH OUT TO THE ALLEGED DEBTORS. THIS IS CLEAR VIOLATION AND FAILURE TO RESPOND WITH DELETIONS WITHIN 10 DAYS I WILL REACH OUT TO MY LAWYERS TO START THE ARBITRATION PROCESS SWIFTLY.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to inform you that I have already contacted XXXX, Equifax, and XXXX regarding the charge-off accounts that are persistently appearing on my credit report. According to the 15 USC 1601 of the Fair Credit Reporting Act ( FCRA ), these accounts violate my rights. I kindly request your assistance in ensuring that these accounts are removed from my credit report to rectify the situation. Your attention to this matter is greatly appreciated. Thank you.

Company response to consumer: Closed with explanation