vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have copy of my identity theft report. Remove fraudulent account placed by the collection company from all my credit reports.

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 2021-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This account is involved in litigation. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I alerted my bank that I may have been a victim of a phishing scam and needed to stop a XXXX payment in attempt to stop the transaction from going through. I contacted PNC bank within 12 hours of the transaction and was told a dispute would be opened in order for them to do an investigation into the matter. I sent funds through XXXX, a secondary service found in my PNC app. I was denied my dispute despite the fact that I informed them of the scam and I was told there was nothing to be done due to my authorization of the charge. I was under the wrong impression and was unable to get my money back despite PNC knowing that it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/2021, XXXX charged my Discover credit card by {$41.00} automatically for subscription. I dont want this item so I returned it once I receive the item and expected a refund like usual. However, Discover failed to process the refund. The balance stayed on my discover account. I didnt receive any notice from Discover about this balance that I dont realize at all. I got the late payment reported to the credit bureaus by Discover. 

Once I found out my credit score drop dramatically I realized the amount and paid immediately. And I reached out XXXX they tried again and refunded me on XXXX. 

I tried to work with Discover to revert the miss payment report. But they refused. 

There are two reasons that I believe they should help to remove this record : 1. I received no notice of the amount from Discover 2. The delay of refund from XXXX  failed to process in Discover and I am not responsible for the balance Thank you for helping to investigating the issue! 

I am very appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had money {$2500.00} deposited in my checking account using XXXX. At the time my company instructed to use the money to purchase Bitcoins through a XXXX kiosk. I did that and placed the money in a wallet that was provided to me. The transaction was successful. 
A claim has been made now for {$2300.00}. I called the bank and was told they could not help as nobody knew what the complaint was ( XX/XX/XXXX ). I called back on the XXXX and was then was told about the complaint. No details were given, just that the complaint was filed. Without investigating or asking me any details they just took the money. I asked if they could investigate. I was never told they would. More-less the money was gone. They acted like they could care less, and their was nothing they could do.

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 2021-08-28 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: FL

Complaint narrative:
My natural inalienable XXXX given rights are being violated pursuant 15usc1681c-2 by all three credit reporting agencies. ( XXXX, Equifax, and XXXX ) Each agency which has no authority granted by Congress to report any of my information being a private Man, further more without my express written consent. 

But on the XXXX day of XXXX in the year XX/XX/XXXX all agencies received by certified USPS an FTC identity theft report along with a written order to block and remove those accounts and information in accordance with FEDERAL LAW pursuant 15usc1681c-2. ( Please see attachments ) ( My request did not meet the criteria to decline or rescind, according to 1681c-2. ) It has now been 6 days from the date of each agency signing for my order, and I am with the understanding after 4 days of receipt without verification of mentioned accounts they are to be removed. After several conversations with each agency, I was informed by them all that they have started an investigation and dispute process according to their " Agencies Regulations. '' The deceitful language being used implies that their inhouse corporate regulations supersede and outweigh the ruling authority of the FCRA. 

1. I did not give express written consent to start a dispute. They did not receive dispute letters.

2. Never gave express written consent for the initial reporting of anything being reported, factual or not!

2. If it is my responsibility and no one else to protect my faculties, that including fair credit reporting, makes it is also my duty to expose those who take an unfair advantage of my rights as Man. 

Although Exhibit B is titled Transunion be not mislead, each individual agency received their own personalized FTC Report and Cover letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Am having 4 issues with my chase checking and savings accounts.

1. they started charging me {$6.00} on a no fee checking account last month 2. they are now putting holds on 2 checks i deposited today. one from XXXX XXXX for {$500.00} and one from XXXX back for {$0.00}. yes i know crazy that XXXX would send a check for XXXX XXXX. the first {$500.00} is supposed to be immediately available 3. I was logged into my chase checking account when i opened my chase savings account. according to there website at signup time i was supposed to receive twice as much interest on my savings as they are paying me. they refused to resolve this at the bank a number of months ago nor could the rep who called me about it fix it unless i went to the branch which said they could not fix it and that some one would call me.

4. I am not getting interest on my checking account like they said i would receive if i opened a savings account with more then $ XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021, XXXX charged my XXXX credit card by {$41.00} automatically for subscription. I dont want this item so I returned it once I receive the item and expected a refund like usual. However, XXXX failed to process the refund. The balance stayed on my XXXX  account. I didnt receive any notice from XXXX about this balance that I dont realize at all. I got the late payment reported to the credit bureaus by XXXX. 

Once I found out my credit score drop dramatically I realized the amount and paid immediately. And I reached out XXXX they tried again and refunded me on XXXX. 

I tried to work with XXXX to revert the miss payment report. But they refused. 

There are two reasons that I believe they should help to remove this record : 1. I received no notice of the amount from XXXX 2. The delay of refund from XXXX failed to process in XXXX and I am not responsible for the balance Thank you for helping to investigating the issue! 

I am very appreciated!

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 2021-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The most recent call from Midland credit called me and we spoke about settling the debt for a lower amount. The person I was speaking with wanted me to do it right then, wanting me to give my bank account number, my credit card number or my debit card right then. I told him no, I would send him a cashiers check and he did not want to agree to that .He wanted the payment right then. My boyfriend was sitting next to me listening to this conversation I was having with the debt collector. He saw me getting upset. The man kept saying hold on, hold on, hold on, every time I said no Im just going to hang up now he would say hold on hold on hold on. I felt I was being harassed, bullied and I was getting physically stressed out. To me and my boyfriend it sounded like The collector would agree to my offer if I paid it right then but if I wouldnt, he wouldnt agree to the offer. I have read my rights, and it says to get it in writing before I send in any money. I did make a couple of payments in the past to XXXX XXXX before it was bought by Midland credit. On another attempt, I called Midland credit and it sounded like the same man I spoke to earlier, I asked him if he would take another offer and he said he would if I made the payment right then, again I said I would send a cashiers check. He said hold on and he would check with his supervisor he would be back in 30 seconds, I was on the phone waiting for him to come back for over eight minutes finally I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
Currently my bank has been holding every check I deposit for 5 days regardless of the amount. I have banked with them for over 30 years and have not had this problem until recently. When I called to discuss, they claim it is the Federal Reserve who tells them to hold checks and not on their end. I find this a bit excessive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/XXXX at around XXXX. I went to First Horizon Bank located at XXXX XXXX XXXX XXXX in XXXX TN. I attempted to make a deposit into my personal checking account using the drive up window but I was instructed by the teller XXXX to come into the bank. 

The teller XXXX stated First Horizon bank was going to place a hold on my SBA loan in the sum of XXXX. She stated that SBA funds could not be released into a personal account. I asked what could I do to clear the matter and I asked if I could open a business account to resolve the matter. XXXX stated the funds couldn't be turned over into a business account but I could still open a business account with an additional XXXX dollars. She also stated that even after submitting the necessary paperwork the funds still wouldn't be released for another 7 to 10 business days because of the hold on my account. 

I was instructed to come in with my : XXXX Tax Return along with XXXX XXXX, EIN number and a business license to be able to retrieve my own loan that was already approved by SBA 's rigorous approval process. 

This is an unreasonable requirement. The CARES Act that set up the loan program says you must be in business before XX/XX/XXXX. It doesnt say that you must have a separate business account before that date. The federal CARES Act does not require you to have a business account to be able to receive SBA loan money in your account. Self employed people are not required to have such an account. The bank can accept my deposit under federal law without a business account and there is no justifiable reason for them to hold my loan for an additional 7 to 10 business days. Also, you don't need a business license to open up a business account as a XXXX XXXX so why would I be asked to show a business license to gain access to funds that have already distributed to me directly from the SBA? First Horizon did not disburse the loan. 

A DBA name is not required by the federal law and it is not required by law if you use your own name as a XXXX XXXX. For the bank to require an EIN and a Business license to gain access to funds that have already been approved and released by the SBA is unreasonable and unnecessary. A DBA name doesnt make you more of a business. I am XXXX XXXX and I am a XXXX XXXX. I am legally able to use my social and my EIN to conduct business. Providing an EIN and a business license to be able to gain access to my own funds to further my business is deceptive and unethical. Holding my funds for an additional 7 to 10 business days after I have to show additional unnecessary documentation is also deceptive and unethical First Horizon has a history of discriminatory practicing and this bank needs to be investigated and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hard inquiry and soft inquiry were both documented on my credit report on XX/XX/21 from Capital One. I have not nor did not initiate this inquiry on XX/XX/21. I was notified of inquiry through a credit monitoring service, then immediately contacted Capital One. They stated no new accounts were open but failed to respond to why an inquiry would of been done without my initiating it. After 3 attempts with Capital One, they referred me to the credit bureaus and I see the listed inquiry. I need it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
On XX/XX/XXXX, I called to the customer service line to inquire about the annual fee. I asked for a refund/reversal of the annual fee and closure of the account within a few days of the renewal date. Customer service representative said that this could not be done and that he needed to submit a request that would take several business days. After waiting, I called back to find out the resolution and the company said that they could not refund/reverse the annual fee even after attempting to close the account. This is a dormant account, meaning I had not used for more than 6 months and will not use in the future. I think, it is very unfair for a credit card company to make you pay for an account that is not and will not be used. 
Now I have to pay the annual fee ( the only balance ) in the account in order to close it with no negative impact to my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 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: TN

Complaint narrative:
I have tried to call experian several times at XXXX and can't reach a repersenative. 
I have been trying to call about XXXX XXXX account. To my knoweledge this account was deleted om XX/XX/2018 report number : XXXX, this letter was mailed to me. I never recieved a letter saying the account would be reinserted. Please send me proof that you informed me that this account will be reinserted. The FCRA stated that the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after reinsertion.

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 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank has sent documentation that they were closing my bank account in 10 business days and issuing me a check for the remaining balance in my bank account. It has been over 30 days. I have had no access to any funds in my account. Theyve instructed that my funds are not on hold just my bank account. There letters to me instructed that the account will close with ten days of the postage letter and funds be mailed to me in a check. Ive contacted numerous branches no one can help. I need my money now. I am going threw a extreme hardship with a XXXX  fianc.

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 2021-08-28 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: OH

Complaint narrative:
RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, 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 2021-08-28 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: OH

Complaint narrative:
RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone pretended to rent out a building, when they were not the landlord stole XXXX from me as a deposit and refuses to refund the money. Chase also refuses to reverse the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: Mortgage Research Center, LLC
State: WI

Complaint narrative:
I have been fighting with XXXX/VETERANS UNITED HO for the last X amount of months trying to get them to remove this off my credit report immediately this is maybe the 3rd or 4th report I have submitted against this company and I had spoken with a man named XXXX. They mailed me a letter which I received yesterday stating that they made a error and it should not be reporting to my credit score.

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