vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Ive banked with Regions for over a year and have had issues with my balance not matching payments and money missing so I started taking screenshots of my account when I would make purchases. Recently I paid a bill and then deposited money into my account. The money for the bill was removed BEFORE I deposited the money and then I paid some credit card bills. The next day my card declined and I opened my online account and I was negative XXXX dollar which wasnt possible. I went through it and overnight my account balance was higher and my first bill I paid before the deposit went in again AFTER the deposit. I called customer service and they said my balance on online banking was incorrect from pending transactions but my ATM receipt from my deposit says the same thing my online banking did before the transactions posted. I went through my screenshots of my account and added everything up from the last week and my account is short {$78.00}. They stole {$370.00} dollars from me last spring when I cancelled a bed set because the company was out so I moved money from my savings to my checkings to buy a different bed set until my refund went through. The money was immediately taken out and the next day I deposited a check for {$600.00} the next morning my account was short and like this time my purchase for the new bed set went through AGAIN when my check cleared. Im sure if I go through and add up when Ive had a lot of transactions Id find more money missing but that time I unfortunately didnt have any proof thats why I started taking screenshots of my online banking. When I make a lot of purchases or pay a lot of bills my balance fluctuates when items post.

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 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My money have been held by PayPal for more than 180 days without any reason. Kindly help me because I have tried to contact them but they are not giving me any help. My PayPal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: Alpine Credit, Inc
State: TX

Complaint narrative:
I obtained a credit report from the 3 major credit bureaus XXXX, XXXX, and XXXX. I discovered a credit account from Alpine Credit that does not belong to me. I directly contacted Alpine Credit to dispute the account. The Alpine Credit representative stated, We do not have to talk to you about anything! Then, the Alpine Credit Representative hung up the phone in my face, and blocked my number. I cant call them back or speak to anyone at all. In the meantime, Alpine Credit is fraudulently reporting {$46000.00} in charges and collection on my account. This account is ruining my credit score and creditworthiness. Im being denied for credit and cant obtain any goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unauthorized transactions were made on my account from after XX/XX/XXXX for amount of 4,900i submitted police reports and updates on my case and there being a suspect arrested on this and Ive sent several pictures along with detectives information and screenshots of my house/incident of what has been going on stolen property and vandalized and showing that the suspect arrested had access to my belongings without no autorizarion from me to be anywhere near my belongings these pictures Ive sent show my house vandalized show the police report about stolen personal information and showing that these criminals have been breaking in and had a hold of my personal informtation ive done everything I can to provide proof and my claim gets denied, also they been back n forth one rep tells me something then the next rep tells me something else The calls have been recorded so being able to hear those calls can demostrare how misinformation and saying Im expected a deposit and then after I receive nothing also the confusion on the bank part saying a female saying she was me called saying her XXXX son made the transactions theres no way I would have called to say that so they got it all confused Ive ran out of patience as this has been over a long time Ive sent all the information possible to help this Ive asked for the documentation on what they based there decision on and never received it till this day

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 2021-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I never tried to open an account with Wells Fargo. 
I received a letter in the mail from Wells Fargo dated XX/XX/2021, saying Thank you for your interest in an account with Wells Fargo. We were unable to open an account based on the information you provided in your online application. However, we may be able to open your account in person at a branch. Please bring at least two forms of valid identification w ith you to a Wells Fargo branch so we can verify your identity. " never tried to open an account with Wells Fargo.

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 2021-09-18 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 have A few hard inquiries that need to be remove due the fact this companies could never verify this hard inquiries belongs to my person or were made by 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 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Lending Club Corp
State: NY

Complaint narrative:
This bank is crazy I feel discriminated based on my XXXX I cant XXXX  and they refuse to take care of me and this horrible experience I didnt know they offer checking online and I applied but their system is unable to verify my identity when Im entering in my correct address and information when I call they dont do anything horribke bank they should be requesting documents and opening my account manually they rather treat me like this as a new customer what ashamed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I wasnt getting unemployment for a couple months so I had them do a forbearance on the loan. When I finally started getting paid from unemployment I took the loan out of forbearance and then unemployment went to a new system at the beginning of XXXX and I havent got a check since then and were nearing the end of XXXX. 3 months or so without any money coming in and I called about doing another forbearance and they said since I already had one this year, I cant do another one.

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 2021-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I Would like to make a complaint against XXXX XXXX and EOS CCA Because I never had this service XXXX said on XX/XX/2021 I owe {$2300.00} this is not true and I have tried to reach out to XXXX for over the last year I spoke to a customer service lady and she could not connect me too the right person to speak to about this matter although customer service said that this account Had Been sent to collection And no one in that office there could help me I tried to explain that I never had XXXX and would like to resolve this matter but I was told they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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 Management Partners, LLC
State: MI

Complaint narrative:
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches.I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report.I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
Received a letter in the mail on XX/XX/2021 from American Coradius International LLC claiming that XXXX has sent my account to collection in the amount {$9100.00}. I have once opened a XXXX credit account in my life, and my one and only XXXX account is in good standing. I have no idea how this outrageous amount of money was tied to my name. Seems like a feeble attempt to extort money out of hard working people. I do not have any collections shown on any of my credit reports, nor do I have any debts shown to XXXX on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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 have disputed an unfair charge on my Equifax report 1 time through XXXX XXXX and then 8 additional times directly on Equifax, but Equifax refuses to remove it from my profile. I have been reporting this since XX/XX/2021 and even the company that sent them the supposed debt already verified and agreed over 2 months ago that I do not owe anything, but Equifax refuses to remove it. Every time I apply for credit cards or loans, are denied just because of this derogatory mark Equifax refuse to remove from my profile for no apparent reason. They refuse to answer any questions. I need law enforcement in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Received a letter in the mail on XX/XX/2021 from XXXX XXXX XXXX XXXX claiming that Paypal has sent my account to collection in the amount {$9100.00}. I have once opened a Paypal credit account in my life, and my one and only Paypal account is in good standing. I have no idea how this outrageous amount of money was tied to my name. Seems like a feeble attempt to extort money out of hard working people. I do not have any collections shown on any of my credit reports, nor do I have any debts shown to Paypal on any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sell XXXX  items on an e-commerce site. This site only has PayPal as a payment method. PayPal holds the funds until the items are marked as delivered. I made two sales the week of XX/XX/21. As of date both items have been delivered. Once my funds were released I was having trouble making the withdrawal. I contacted PayPals support and they told me theres a temporary hold on my account and to try again in 48 hrs. A day later I then received an in app message saying my accounted was permanently suspended but when I asked why they wouldnt tell me. They said my funds would be held for 180 days. Yes, 6 months.. this is ridiculous and a laugh in the face to any adult who is paying bills during this pandemic. The message also said to refund my buyers.. the same buyers who have already received the merchandise that I havent been paid for! Ive tried to contact them several times and they keep giving me the run around. Upon XXXX searching I learned this is a common thing they do to make interest..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
Aargon Agency Inc, collection agency, is listed on my credit report and has been not deleted. I was told once debt is paid, credit bureaus will delete information. I confirm with debtor, XXXX XXXX, that debt was paid this year. However, collection remains with credit bureaus. Also, I disputed many times and still nothing is 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 2021-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I financed a used car with Capital One Auto Finance. I recently paid the vehicle off. After receiving a 10 day payoff amount I submitted a checked dated on XX/XX/2021. I over night the check with Capital One receiving the check on XX/XX/2021. Capital did not process the check until XX/XX/2021 and using the XX/XX/2021 as the pay off date after acknowledging having received the check on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
upon making a complaint to CFPD on XX/XX/2021 about TranUnion sending inaccurate to several monitoring companies. TransUnion Deleted All but one account on my credit report. I have enclosed documented proof of from the monitoring companies XXXX, XXXX, XXXX XXXX, XXXX XXXX.However on my current TranUnion credit report i have sevveral open accounts. I spoke to a TransUnion about this violation on XX/XX/2021. The agent state they have technical issue and may take 1 or 2 weeks.This continued violation of the FCRA is causing financial difficulty getting financing.

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 2021-09-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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:
I previously notified Equifax that I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB AMERICA is sending letter stating that I owe a debt that is not validated. Without any valid proof of contract. Which is in Violation of 15 USC 1692b ( 2 ). 

USCB AMERICA is threatening to submit negative report to the credit reporting agencies, which is a threat to take an action that can not be legally taken. Which is a Violation of 15 USC 1692e ( 5 ) USCB AMERICA is willfully using threats to harm my reputation by threatening to submit negative report to the credit reporting agency. Which is in Violation of 15 USC 1692d ( 1 ) On multiple counts USCB AMERICA violates 15 usc 1692b ( 5 ) by willfully including logos/symbols and other language in the content of the communication

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX XXXX recently sent me a letter asking for proof that I still lived at my home for no apparent reason. They are trying to cancel my homeowners insurance which I need for protection. I feel like this illegal. I believe that SPS asked them to do this and this is the second time it has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: GA

Complaint narrative:
Experian is not reporting my payment history correctly. This is my third time working to get this off my credit. I have the requested to have the incorrect information to be removed permanent. record. I am attaching the payment history showing inconsistent and erroneous reporting for experian and 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 non-monetary relief
Consumer complaint received 2021-09-18 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: LEXISNEXIS
State: FL

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation