vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a transfer of {$25000.00} at the REGIONS BANK I AUTHORIZE XXXX XXXX at bank number XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Tn XXXX and transferred to the XXXX XXXXXXXX XXXX bank located at XXXX XXXX XXXX XXXX Fl XXXX to the XXXX XXXX account account number XXXX For an education course of XXXX XXXX XXXX XXXX for a contract that they did not fulfill and that the FTC sued against XXXX which is the name of the company of the course and that the FTC won demonstrating that fraud had been made and that in XX/XX/2023 when the lawsuit was won he recommended us to go to our BANKS REGIONS BANK to explain the situation and that we take the evidence in hand so that they would reimburse our money and WHEN I SPOKE TO THE CUSTOMER SERVICE of REGIONS BANK he recommended us to go to the nearest branch and as I moved TO XXXX I went to 3 branches of XXXX FLORIDA I put in more than XXXX disputes and they denied them to me, I talked to the customer service and they told me that I had to go to the physical branch and no one helped me and a branch of REGIONS BANK did not ask me for the proofs nothing that is to say they did not listen to me On one occasion an operator of the XXXX  area customer service even treated me badly. I told them that I had all the evidence in hand that it had been a fraud that came out in the media where the FTC sued WINNERS for fraud and the REGIONS BANK bank did not help me and in fact since I had nothing in the account for the money that I did not have, the account statements began to come out with a negative balance and I had to pay the commission and I had to close it because I did not have to pay that money and that's it I didn't have anything in the REGIONS BANK bank. I told them that they have insurance for this type of fraud situation and they didn't help me I RAN OUT OF MONEY AND I THOUGHT THAT THE BANKS REGIONS BANK WOULD HELP ME WITH THE REAL TESTS AND WOULD DO THEIR OWN RELEVANT INVESTIGATION AND IT WASN'T LIKE THAT Excuse me if any word is somewhat confusing I speak XXXX and I translated this with artificial intelligence

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
My car was totaled and the insurance company as well as the GAP insurance both issued checks for the balance in full. Even though checks were received late fees were added to my account and it was also reported the the credit bureaus was past due. All payments were made on time and XXXX balance is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
This company ( First National Bank of Omaha - FNBO ) has repeatedly not posted final payment and closed my account. They were paid off months ago by my debt management company. After the account was paid, the added a small charge without notifying the company. They have continued to add charges and sent delinquency notices to credit bureaus. There are many other reports online of them doing the same to other customers for years. I need them to acknowledge that they have been paid, close the account, and correct the delinquencies. The government should really stop this predatory lender from operating.

Date of final payment to them was XX/XX/23. They added a {$170.00} charge. They have been paid off and refused to acknowledge payment and close the account since then. 

The debt management company handling my accounts is XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
On XX/XX/year> a full modification package was received by SPS and acknowledgement letter was sent dated XX/XX/year>. The letter indicated that the attorney will be notified and will be asked to cancel sale date if one has been scheduled. I have called the ombudsmans department and spoke with someone who let me know that the sale date will be cancelled. Till this day it has not been cancelled yet. Spoke with another person in the same department but he was not helpful and giving erroneous and misleading information. Called the attorney myself to notify them about my modification review but no one called me back after several messages were left. The sale date needs to be cancelled as of right now the dual tracking law is being violated. Sale date is scheduled for XX/XX/year>. A notice of error notice has also been sent out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
Over paid in interest charges despite its full-refund policy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
Please explain to ME how someone that owns the title, has ALL the utilities and insurance in her name, ME... AND all the taxes including exemptions are also in MY name ... should be required to pay PENNYMAC or FHA money to remove my ex-husband from the PAPER known as MY loan? These predatory service providers would like nothing better than for me to utilize my equity to further in enslave myself to their practices. When in fact I have been awarded through divorce, quit claim and by paying ALL the above stated taxes insurance etc. I am asked to QUIALIFY? I have been asked to send them copies of my bank statements etc. Actually, PENNYMAC spent huge amounts of money just to change their logo! A more prudent use of cash would be to assess and review their policies. They have spent more than {$300.00} in mailing me THEIR dogma. Even if I were to utilize " squatters rights '' I have met the burden of proof by not only living here more than 20 years ... Washington State law only requires 10 years to claim direct ownership by adverse possession. My ex-husband has not lived here nor entered the property since 2018. Maybe PENNYMAC should pay me for keeping HIS name on MY paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-25 00:00:00
Product: Credit reporting 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I bought 3 XXXX passes from XXXX XXXX on XX/XX/2023. A few hours later I called XXXX XXXX, they never connected me so I used a XXXX online chat and cancelled all three passes. They were {$490.00} each. 
Then I got a bill from Citibank on my credit card for one pass, {$490.00}. I first tried to contact XXXX but they had closed their telephone number and their online chat was down. Later I found out they had closed that and required all communication to go through XXXX. Next I called Citibank and asked to dispute the charge. They took all my information. At this point I did not know which pass did not get cancelled. I had received no emails from XXXX unless they went to junk. Citibank told me everything was fine and I should here back from them. About a month later I called again explained everything again and checked to make sure all the information I gave them was in the notes in the computer system. 
Some weeks later I received a form email telling me I was required to pay for the one pass. I called again and this time was told that I should have reported everything in writing the first two times and it was really too late to appeal. NO ONE EVER TOLD ME TO SEND IT WRITING BEFORE THIS. i got on XXXX contacted XXXX and they told me which pass was not cancelled and which were. The pass not cancelled was form my wife who is XXXX and XXXX. She never travels alone. I pointed this out in a response to consequent letter from Citibank. Oh and that letter required a response several days BEFORE I ever received the letter. I sent them additional information but again received a form letter telling me I had to pay for the pass. My main complaint is that I was never told I HAD to put the information in writing until it was too late and that Master Card needed that information in writing to make a decision.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE UPDATE ALL LATE PAYMENTS TO PAID ON TIME OR AS AGREED 15 USC 1666B SEE ATTACHED DOCS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting errors on my credit report. I have requested multiple times for them to be removed. They have not done so. I can not purchase a home due to their negligence.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by
the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

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 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> my husband XXXX and I received calls from caller identified as Bank of America with the verified BofA phone number. Caller said he was with BofA Fraud Department, our XXXX account had been hacked. Caller used name XXXX XXXX, a corporate officer listed on BofA website. Caller asked me to type in codes to verify account. The first code was XXXX, the second code was XXXX. The codes where actually amounts withdrawn from my BofA account of {$770.00} and {$1400.00}. I was swindled and induced to follow the caller 's directions. When I hung up and called BofA Claim/Fraud Department I was told there was nothing BofA could do. The people that I called multiple times in the Claim/Fraud department told me that BofA was aware that this scam was going on, that the person was using BofA identities and stated Claim/Fraud department could not help me get my money returned. 
I filed a complaint with Bof A. I dispued the transactions. I have received no response or help from BofA.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I have sent several certified letters this year and last year in regard to the incorrect, inaccurate reporting of this account. Date sent XX/XX/XXXX and XX/XX/XXXX, the XXXX account has been charged of since XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In response to the credit reporting agencies ' assertion of a thorough investigation resulting in verified accounts, I am left baffled by the persisting inaccuracies glaringly evident on my credit report. As a consumer seeking clarity and resolution, I demand a detailed account of the purported investigation process undertaken by your agency. It is imperative under 15 U.S.C 1681i ( 7 ) that I am informed of every step executed to ensure the absolute accuracy of these items. Transparency and accountability are non-negotiable as I navigate the resolution of these discrepancies.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I'm not familiar with this company. I don't recall conducting any business with said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation