vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Opened account on XX/XX/2020. Attempted to close the account on XX/XX/2020, but Region 's Bank refused and said it's not possible to close the account. Reason for closure request was that XXXX 's Bank would not let me have access to my initial deposit which was made with guaranteed funds, used a credit card. When I attempted to use these funds on XX/XX/2020, unknown to me, my account was frozen due to " fraud '' and I was required to come into a branch location to " prove '' my identify. Explained that that's not an option during COVID-19 and that my health doesn't allow me. I told them that this wasn't fair and that my account would be charged fees for staying open and that they couldn't deny my request to close the account over the phone. This seemed like a scam to take my deposit, lock my account, make me come into the office, in an attempt to sell me more products that I don't need, and take my money, though the use of fees from my initial deposit. Hung up with the representative with my account still being open and subject to fees with no way to move my initial deposit out of my account due to how the account was coded for fraud. Representative said that they could attempt to close the account over the phone if I called back the next day, after my guaranteed funds " posted, '' but he'd have to request to have the {$25.00} early closure fee waived. This is a scam to take customer 's money, not let them use it, lock their accounts, and not allow them to close their accounts and rake in the fees. Over the course of about 2 hours, I was bounced back and forth to different " personal bankers, '' never read any regulatory disclosures, hung up on and dropped back into the main phone tree without notice in an attempt to not solve my issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I opened an account with Robinhood more than half year ago, I rarely use the account or perform any transaction. On XX/XX/2020, I requested Robinhood to close my account. They suggest me to leave the account open. I affirmed my decision, they informed me that I need to pay the negative charge first, which was caused due to the deposit reverse nearly half year ago. I then linked my bank account to Robinhood and paid the charge and asked them to close my account again. They stated I need to wait until the transaction is approved. On XX/XX/2020, I reached out to Robinhood and asked them to close the account, delete my personal info, and stop sending me any marketing messages again, they suggested me to downgrade the account. I have no idea of what they are trying to do, and have not received the confirmation of the account closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I sent this company a dispute letter over a month ago asking for the inaccurate information to stop reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
ON XX/XX/2020, I began an Application for XXXX XXXX XXXX with SPS Servicing. The covid situation prompted this. My income was being affected by the covid19 quarantine, and I thought it would be wise to apply for the assistant. They requested bank statements, unemployment documents, profit-loss statements, and tax returns. I supplied them with all the requested documentation within the allocated time period, and they came back, asking for more documentation. Based on my tax returns, they wanted 2 completely separate profit and loss statements. I provided them with an additional statement. They told me they needed updated unemployment documentation, I sent them the updated documentation, and they told me it wasn't what they needed. They wanted something that shows when my unemployment would end, so I got them an old document that shows when my unemployment would end. They accepted it. Then they came back and said that they needed a new profit loss statement because it had been a few months since I submitted the first one, and they needed updated statements. I submitted new statements. Then they said my statements showed I had personal expenses on the profit loss statement. I didn't have personal expenses at all, so I called to clear that up. They accepted the document as is. Now it's XXXX, and I'm beyond frustrated. I asked to speak with a supervisor. I told her XXXX XXXX XXXX that I would file a complaint. She listened to my grievances and assured me the issue had been resolved. A few days later, they called again, asking for more documents that I had already submitted. I told them I had already uploaded the documents, and they said I was fine. A week later, they called again, saying they needed more bank statements because they showed lump sum payments from unemployment that didn't match the weekly payments that were on my benefits document. I told them, no, of course, the amounts are different because I'm getting back pay in lump sums. Next week will be XX/XX/XXXX, nearly 4 months since I started this process, and I'm no closer to getting an acceptance or denial. They keep asking for the same documentation in different ways, or sometimes they are asking for updated documents that I've already submitted because so much time has passed. Meanwhile, the clock is ticking, and soon I'll have to send brand new documents all over again. I have expressed my frustration several times. I have requested they tell me everything I need and they refuse. They keep dragging the process out. I need these issues resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My mother has a car loan through Wells Fargo and she DIED on XX/XX/2020. I have submitted a written request, a faxed request, and a verbal request to have the money I paid on her car loan refunded to me after she passed away. It's 3 payments ; XX/XX/2020 of {$370.00}, XX/XX/2020 of {$360.00}, and XX/XX/2020 of {$370.00} for a total of {$1100.00}. I was not on my mothers loan and am NOT financially responsible for the debt. Today I was informed by XXXX, in the Beneficiary Department of Wells Fargo Auto Loans, that Wells Fargo doesn't give refunds. I commented several times that I would be reaching out to the XXXX  and she completely ignored my comments. Due to not being financially responsible for this debt my money should be returned to me. In VA we have to wait 60 days before filing anything with the courts about someone passing away ... the payments were necessary due to not knowing how the courts would handle my mothers affairs. They did also state that I was not responsible for this debt if my name is not on it. My attorney also verified this fact.

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 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
IT'S CARD FROM FROM ESPICALLY 2014 UNTIL TODAY - ALL I HAD. PLUS I WENT TO GET COPIES OF EVERYTHING - I HAVEN'T RECEIVED ANY MAIL AROUND 2 YEARS. I KNOW SOME IN MY HOME I USE TO OWN - WHICH WAS TAKEN FRAUDLENTLY. A POWER OF ATTORNEY WAS USED VOIDED 4 WAYS. SEVERAL LIVING THERE ARE INVOLVED. BUT I CAN'T GET HELP EVEN FROM REGIONS BANK. I KNOW ONE INVOLVED PAIED THE BILL 'S OF OTHERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
Beginning inXX/XX/XXXXI moved into XXXX XXXX XXXX, XXXX XXXX, Al XXXX. It was a home that I rented along with XXXX XXXX. My daughter was also there. We rented this home through XXXX  XXXX XXXX. While I was there the rent was paid and all utilities including rental insurance was paid, nothing was behind. On XX/XX/XXXX XXXX XXXX XXXX XXXX me by XXXX and he also snatched the phone out of my little girls hands who had dialed 911. He hung up and the phone from her. He continued to XXXX XXXX me. After the cops were called and I spoke with the magistrate of the city of XXXX XXXX and made out a report. I was informed by police that XXXX XXXX wanted to remain in the house. XXXX XXXX XXXX also called and informed me that he wanted to remain at the residence. So I moved all of me and my daughters things out and I had to find another place to reside. Because of the XXXX he subjected us to that night, we could no longer stay there because it was XXXX. He couldve XXXX XXXX. No one at XXXX XXXX XXXX  cared. And they also let him reside at the house when he was suppose to provide proof of income to get my name off of lease, they also let him reside there and he did not have any rental insurance, and having insurance was a stipulation of the lease. Also providing his proof of income so my name could be removed was a condition of the lease and he failed to do both. I have proof because I have emails, voice messages, and recorded phone calls from XXXX XXXX XXXX. He stayed at the residence from XX/XX/XXXX til XX/XX/XXXX. I have proof of this. The debt owed is his because he resided there and he made was violent and assaulted me. I have talked to several people at XXXX XXXX XXXX and also Hunter Warfield. They showed no concerned. XXXX XXXX XXXX  didnt make him do what he was suppose so my name would could be removed from the lease. Im not going to pay for a place I was not staying. I had to pay for a safe place for me and my child. Hunter warfield needs and XXXX XXXX XXXX  need to hold the right person responsible which is XXXX XXXX. I have attached several emails after I left the residence that show only XXXX XXXX is responsible. He did not pay rent for where he stayed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Date:XX/XX/XXXXAmount : {$3100.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged debt. 


Date : XX/XX/2019 Amount : {$38000.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged debt. 


Date : XX/XX/2019 Amount : {$180.00} Action Taken : Requesting for the authentic contract and application on file that applied for the alleged debt.

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 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
XXXX XXXX called Amerisave to inquire about refinancing our house. {$500.00} was paid for an application fee after being told the cost to refinance would be roughly {$6000.00}. When it came time to close, the loan processor sent us a closing disclosure and the loan amount increased and that the payoff amounts weren't correct and that there were a massive amount of additional fees. Upon calling the loan processor XXXX XXXX XXXX XXXX told me that she didn't get the latest payoff amounts so they were hoping we would overpay by roughly {$4000.00} and they would send us a check for the overpayment after approximately two weeks. She also wouldn't explain why the total cost of refinancing went from roughly {$6000.00} to {$16000.00}. She told me she corrected the payoff amounts and sent a closing agent from the title company to our house and we saw that the payoff amounts on the printed paperwork were still incorrect. They also ran my husband 's credit check without speaking with him or getting his permission. We didn't close with Amerisave but we strongly believe that Amerisave attempted to make us victims of a bait-and-switch scheme.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: Waypoint Resource Group, LLC
State: DE

Complaint narrative:
I was contacted multiple times by a blocked number finally answered was asked for social asked for address i said i wouldn't randomly provide info unless given notice of who/what company i was speaking with and in reference to what matter was transferred before being transferred asked me to verify my number and would i give permission to be called back if call dropped or at any future time or date i declined after being transferred i gave info social matches address didnt was out of state told it was a XXXX bill asked would item be deleted if i provided full payment over phone was told no i then stated id rather let item stay on credit being as though without deletion it would negatively affect my credit anyway thats when they became rude and stated well they would continue to flag my account to try and keep it from being removed from my account which they have done on the dates as followed XXXX XXXX XXXX XXXX they have also tried to contact me after me telling them not to call my number also have tried to contact me through my employer which is embarrassing and borderline harassment i want this to stop immediately!. Waypoint collection is the name of the collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
repeated unsolicited text messages, no Stop command XXXX XXXX CRDIT-REP0RT ALERT : XXXX DeIinquent ltems Found : Dispute By XX/XX/XXXX : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( Experian, XXXX, XXXX ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the law.

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am unable to find any documentation of any contractual relationship which makes them a person entitled to enforce a commercial claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am unable to find any documentation of any contractual relationship which makes them a person entitled to enforce a commercial claim against 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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am unable to find any documentation of any contractual relationship which makes them a person entitled to enforce a commercial claim against 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