vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My wife deposited a check made out to her in my account. The teller checked her id and accepted the check. The next day we where told that they could not accepted the check because she was not on the account. They have put a hold on the money for four weeks and refuse to release to my account or refund the check back to the issuing bank. I went there and offered to sign the check and they would not let me. The issuing bank has released the funds with no issue but they still refuse to release the money. This money is being held hostage because their employee was not suppose to accept the check but did anyway. The amount of money is {$5000.00} dollars. The bank is Regions bank in XXXX, GA. The money was deposited on XXXX and they have a hold on the money until XXXX. This is totally unreasonable. This is {$5000.00} that we can not access because of an employee mistake and we are being penalized because of this. I have spoken to customer service at the bank and at corporate but no one seems to care. I asked to speak to the lady 's supervisor and their supervisor but was told no one was there and it was XXXX in the XXXX. All I ask is to have the money put back to the issuing bank which is not unreasonable. Thank you for any help you can give 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 non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: PA

Complaint narrative:
I received an initial letter from a debt collector dated XX/XX/2021 with no verification of a legitimate debt owed. I made numerous phone calls to the company requesting verification but that information was never received. A letter dated XX/XX/2021 indicated as a formal demand listed hardship options being offered to settle this matter so I chose one of them and called the company and made a payment to settle the debt in full on XX/XX/2021. This payment was made via an XXXX card and the payment posted on XX/XX/2021. At the time I made the payment I requested a settlement in full letter be sent to me via email and was told I should receive it within 3 business days. I called the company on XX/XX/2021 regarding settlement in full letter and was told it would take 7 business days. When I called on XX/XX/2021 I was again told it would take 7 business days. On XX/XX/2021 I was then told it would take 7 to 10 business days to get the settlement in full email. When I called at XXXX ET on XX/XX/2021 ( the XXXX business day ) I spoke with a supervisor who assured me she would request her manager send the email and I should receive it within a few hours today. After not receiving the requested settlement in full email by XXXX ET on XX/XX/2021, the representative I spoke with during the second call said the manager was gone for the day but I should receive the email by XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: ERC
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Enhanced Recovery Company , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a credit account with Arhaus/Comenity Bank which was auto-drafting payments. When Arhaus returned a payment due to an address discrepancy, I was contacted by phone for the 1st time by Arhaus around XX/XX/XXXX by phone and told that if I tendered a payment via phone immediately that my account would remain up to date with no issues reported. I complied and gave them my card immediately. The Arhaus employee then told me that the account would remain up to date with no issues being reported and told me I would receive an email verifying this shortly after the payment was processed. I did not receive an email and roughly 3-4 days later I receive an alert on all 3 bureaus that I am 30 days past due on my credit account. This was the exact opposite that I was told on the phone by the Arhaus employee and I was compliant with all request the first time they contacted me. I have perfect credit and never miss a payment and this is incorrect. I have sent in documentation in the form of payment statements showing all of my payments being auto-drafted on Arhaus website dashboard on time to XXXX as well as to Arhaus/Comenity and it seems that nobody is accepting clear proof. This is a cheap attempt by a creditor to incur fees on a consumer with no history of late payments, a blatant disregard for the damage caused to perfect credit when a company is reckless with their customer service, and does not reflect the truth of my account history with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CL Holdings LLC
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Jefferson Capital Systems , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
recieved a call on XXXX XXXX in the morning from a processor stating they had lawsuit papers to serve me and to call this number for information XXXX to talk to XXXX XXXX they were from a law firm in XXXX XXXX saying they were doing litigation to sue me and garnish my wages anf lien on my property if i dont settle an amount of XXXX original creditor hsbc XXXX XXXX i told them i dont remember having that creditor nor its on my credit report i just want more information on this to see what was purchased i had identity theft back in XXXX .they send me a validation letter with not much information just offering me a settlement of XXXX to be paid by XX/XX/XXXX, im worried this might be a scam they didnt offer me a website or more detils on their law firm just a name law office of XXXX located at XXXX XXXX XXXX XXXX XXXX california XXXX i filed a police report t for identity theft since they have all my personal information how can i protect my self or know if this is legit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: NC

Complaint narrative:
XXXX XXXX a fraud account I have the FTC report filled out my information was stolen thru data breach I have all documentation to show prof I would like that account that dont belong to me to be removed

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 2021-09-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and Equifax are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. XXXX and Equifax are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( Equifax, XXXX and XXXX ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: MS

Complaint narrative:
I submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. Experian and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. XXXX and XXXX are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( XXXX, XXXX and Experian ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.

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 2021-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Lowe 's does not send electronic statements even though you are opted in for e-statements. Opting in to reminders of a balance due also does not work on their site. The only electronic notice that seems to work is a notice that you have a " past due '' balance. I believe they are manipulating the communications such that they generate late fees from their consumers. I have proof of emails received that show when statements were sent and when they weren't. There is a clear gap in those dates. I believe this fraudulent activity is leading to millions of dollars of late fees for their consumers. Can you investigate?

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, There are fraudulent accounts on my credit profile that need to be removed 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 2021-09-21 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: GA

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, There are fraudulent accounts on my credit profile that need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: WA

Complaint narrative:
My Money is STOLEN by Discover bank ( checking account ). I made a mobile check deposit Friday night XX/XX/2021 for {$3200.00} to my account. I read the terms and it clearly states the first {$250.00} is available on or after the first business day of deposit! I spoke to a financial representative Monday XX/XX/2021 in XXXX XXXX XXXX, UT and was told on a recorded phone call that my first {$250.00} is available now on the XXXX of XX/XX/2021. Now some idiots customer service XXXX XXXX whom can not speak XXXX  from XXXX, AZ are refusing to give me access to my own money! They would not let me speak over the phone, instead they Nastily coughed through the telephone in my ear... such XXXX  PEOPLE!!! I regret having accounts with discover for the last four ( 4 ) years. I may now have the call in my check Stolen and place a " stop payment '' on this check I now have to call the Police and file ( press charges ) report .... this will be forwarded to the Executive Office - CEO. I will be closing my accounts with Discover because they are the XXXX XXXX People ever! they do not have a : walk in Bank / location anywhere in this Country.. I believe they are a criminal organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/XXXX opened a savings secured line of credit account, I took {$1000.00} ( collateral ) from my account to open this account, to establish my {$1000.00} credit limit and to help build my credit. The bank was not reporting accurate and timely data to the credit bureaus and it was not helping build my credit. XX/XX/XXXX, I went into one of the local branches to closed the account because it was not serving a purpose. XX/XX/XXXX I went back into the bank to receive/collect the {$1000.00} reimbursement for the closing of the account. The teller ands the bank manager that closed the account on XX/XX/XXXX mistakenly took an additional {$1000.00} out of my account, instead of refunding the {$1000.00} due me. After multiple calls to the customer service number and chat lines, I was told to go back to the bank and request the release of the hold that was on the money. It's now XX/XX/XXXX, I have been given the run around since XX/XX/XXXX about the return of my {$1000.00}. Multiple phone calls have been made to a couple of bank managers and no one has returned my phone calls or provided the status of when I should expect the return of my {$1000.00}. I just want the reimbursement and return of the {$1000.00} collateral I put up front to open the account.

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rodenburg LLP
State: ND

Complaint narrative:
XXXX against me in XXXX. Filed bankruptcy in XXXX all debt was discharged. My employer received an income garnishment request last week. My attorney informed the collection company and my employer of discharge and the company is refusing or not communicating that the garnishment by law has to be released but has instead threatened to make My employer liable if they do not collect the money previously owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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:
This is a continuation of my last complaint XXXX in which my problem was never resolved and Transunion, On XX/XX/XXXX transunion sent me another letter without giving any information or doing a true investigation. They are refusing to do an investigation at this point and I want the Bankruptcy deleted for failure to preform a proper investigation and provide information about the Bankruptcy on my credit report. Below is the details of my process and also the documents I sent as well as their responses. 
On XX/XX/XXXX I sent a letter to Transunion asking for what method they used to retrieve information pertaining to a bankruptcy on my credit report. I told them I wasn't disputing it but just wanted the method they used to verify such information. On XX/XX/XXXX they only sent me a copy of report and not the information that I was asking for. On XX/XX/XXXX I followed up with them to see who they verified the bankruptcy through. I went to the court house and they gave me a letter stating that they dont provide any information to the credit Bureaus. On XX/XX/XXXX they sent a response with dispute results stating verified, but still never sent what I was originally asking for. I wanted to know who they verified the bankruptcy through. On XX/XX/XXXX I responded stating that their process could not be valid because they did not verify the information and identify how they got their information. Transunion never sent me any proof of an actual investigation and that I could report them if the bankruptcy is not deleted off of my report immediately. I also sent them a copy of the letter I received from the court stating that they dont communicate with credit bureaus. On XX/XX/XXXX Transunion responded saying that they completed a previous investigation and will not do anything else without new information. On XX/XX/XXXX I sent the letter from the court house again and told them their process was not valid and that they never sent me proof of an actual investigation. On XX/XX/XXXX Transunion responded again with the same letter saying that they previously completed an investigation and without new information they will not change anything. I sent information from the court house and they failed to complete a thorough investigation and provide me with the information I was asking for.

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