vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX of 2024 I was fraudulently " hired '' by scammers posing as a company called XXXX, which is a real talent acquisition firm. I was " hired '' to be a XXXX XXXX for them. I was given an extensive text interview on XXXXXXXX XXXX and even sent to a skills assessment website. The next day I was told on XXXX  that I was hired. I was sent an offer letter to sign, as well as a XXXX and direct deposit information and instructions to upload my drivers license. So they had my ssn, bank account information, and drivers license. I was then sent a XXXX of a check to deposit to my account and XXXX the money to a XXXX party vendor for computer supplies to be delivered to me the following week. I XXXX three payments totalling {$2100.00}. The check was returned NSF AND my bank, Regions Bank, will not refund me my money. 

I have filed a report with the local police, and contacted the FBI, FTC, IRS, and social security. I also closed my bank account and put a freeze on my credit with all 3 reporting bureaus. I locked my ssn with the department of homeland security. 

I need Regions to refund my money, because I am underemployed and don't know how we're going to be able to pay our bills this month. I am job hunting as fast as I can and XXXX XXXX XXXX XXXX to try and make the money. Please, please help us to get Regions to refund me my money.

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 2024-08-06 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report without any explanation. I checked my report as usual, but this time, unexpected discrepancies appeared. I tried refreshing my browser to see if it was an error, but the inquiries remained. Therefore, I request that the documents Ive sent be reviewed thoroughly to resolve this issue permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX account XXXX. The dates open, the last report, and also the dates last active are inaccurate.15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
FNBO refuses to honor credit card transaction. This due to well known identity felony theft.

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 2024-08-05 00:00:00
Product: Mortgage — FHA 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: Guild Holdings Company
State: TX

Complaint narrative:
I was put on a medical hardship when XXXX hit. My job shutdown and my wife who has been diagnosed with XXXX no cure horrific XXXX was now in the XXXX XXXX  She no longer can XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was forced to become her caregiver XXXX XXXX. We were told that she was accepted at a facility. Get to the destination only to be told instantly she can't stay here. We're not equipped for a patient like her. This happened on XXXX different occasions. I tried are to find somewhere to help me with her so I could get back to work and take care of my responsibilities. In Texas they won't pay a spouse to be the caretaker. Even when no one else would or could.. The mortgage co allowed me to be put on a medical hardship and I reported each month to let them know if anything had changed.. When they put me on the XXXX  month hardship I didn't know they backdated XXXX months of it. I told them that in XXXX she would be XXXX and have been reassured this particular facility would take her long term. She has been there a about XXXX weeks now. Until she was placed I could not do anything more than I had been the situation was worse with her as time passed. Finally placed, I can breath get back to work and do what I did before. The hustle and stress of trying to find help for her was all in vain. It's evident I'm losing my wife, but to my surprise I'm losing everything that is a part of the life I intended to build. The Mortgage Co. wants {$20000.00} before I can resume my payments. I was under the impression those payments is placed on back of the loan. I feel I've been sentenced to death row and hard labor. I don't think they get treated this way and they are there for a reason. I'm so upset that this is devasting outcome when I thought they were on my side. They were not doing anything special, just reading a script.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I received my XX/XX/XXXX XXXX credit report. On the report it showed Jefferson Capital System, XXXX XXXX XXXX XXXX which was the originally the debt. It was in the amount of {$510.00}. I immediately called XXXX to report this information as Fraud. I was especially concerned because I had locked my credit report locked last year after becoming a victim of identity fraud then, approximately spring of XXXX. After speaking with the agent he said this debt became delinquent as of XX/XX/XXXX and was recently purchased by Jefferson Capital System which I believe is a collection agency. 

Jefferson Capital System ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  violated my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I told them I'm injured and low income. I'm destitute I can't make the minimum payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CITIBANK, N.A.

Complaint narrative:
On XX/XX/XXXX, I bought a ticket from XXXX XXXX for my wife and son. The value of {$4300.00} already were withdraw from my account in the same day. On XX/XX/XXXX, the same purchase was charged again in XXXX ( {$2400.00} for one wife and {$1800.00} for my son ). The first value keeps as " Pending '' and the other XXXX values are already " Posted ''. 

First, I contacted Citibank that mentioned that I should contact the merchant. Then, I contacted XXXX XXXX that told me that there is no charged of {$430000.00} and this value was not received for XXXX XXXX ; only the other XXXX value of {$240000.00} and {$1800.00} which if you sum, it's the same as {$4300.00}. Also, XXXX XXXX told me that they usually charge the ticket by passenger and not the total value. 

Then, I contact Citibank again and after trying several times, I could not change or understand why is " Pending '' yet and the value was already taken from my account. Now, the account is negative and I can't use for others purchase. 

I am using this channel to ask Citibank to cancel this " XXXX '' as XXXX already told me that they did not charged me. I am all the conversation from Citibank and XXXX to prove this point.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
hello i did not authrised theses transactionn police reprt # XXXX yes i left on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXetruned hom, e to XXXX tn on XX/XX/XXXX drunig this time a site that i have used modo.us withdraweld over {$7000.00} from cheecking actt with my debit card all so the bank aloud my actt to be come over dranw buy {$2500.00} the bank says this is a spenind habit of mine with XXXX i do not disagree that i have not used XXXX  but not the dates XXXX XXXX bank has denied me any credits they will be reopen case but could take more thank 30days allso there risk mgt called me and they closed my actt with them i belive the bank should of cut these chages off some were i was in the XXXX XXXX XXXXXXXX and XXXX can not do bunnies there XXXX XXXX XXXXXXXX rest i askiing the bank to please give me credit bank fro all charges to modo.us from XXXX XXXX i did not authrised them i any to post a recpit of were i travl i pad for tickets bank fith third bank Mon, XX/XX/XXXX XXXX - XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Mon XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute the following inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information listed below is incorrect and does not reflect my true credit history. 

Account Information : Creditor : XXXX Account Number : XXXX High Balance : XXXX : {$2600.00} Experian : {$0.00} XXXX : {$1600.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ) Balance Owed : {$0.00} Closed Date : XXXX : XX/XX/XXXX Experian : -- XXXX : -- Account Rating : XXXX : Paid Experian : Paid XXXX : Derogatory Account Description : XXXX : Home Electronics Sales and Service Experian : Television/Radio Sales and Service XXXX : Television/Radio Sales and Service Dispute Status : Account not disputed Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : XXXX : Payment after charge off/collection, Canceled by credit grantor Experian : Account has been closed due to inactivity, Unpaid balance reported as a loss by credit grantor XXXX : Paid charge off, Accounts closed by credit grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX ( TXXXX and Experian ), XX/XX/XXXX ( XXXX ) Credit Limit : {$1500.00} Account Type : Charge account Discrepancies and Inaccuracies : High Balance : Inconsistent reporting of high balance. 

XXXX : {$2600.00} Experian : {$0.00} XXXX : {$1600.00} Date of Last Activity : Discrepancies exist between the last activity dates reported. 

XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date Reported : The dates reported are inconsistent. 

XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Account Rating : Inconsistent reporting of account status. 

XXXX : Paid Experian : Paid XXXX : Derogatory Payment History : Inconsistent and incorrect reporting of payment history. 

Supporting Documentation : Enclosed are copies of my credit report from each bureau highlighting the inaccurate information, along with any supporting documents for verification. 

Requested Action : I request that the inaccurate information be corrected or deleted from my credit report. Please reinvestigate this account and send me an updated copy of my credit report reflecting the corrections.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, Shellpoint Mortgage increased my monthly 30-year mortgage payment from {$6200.00} per month to over {$11000.00} per month. I was unable to use the automated payment system to service my loan. According to my records, the monthly mortgage amount due was incorrect, no explanation of the increased monthly mortgage payments due was provided by Shellpoint Mortgage either electronically through email or written correspondence via postal mail. 

From the period of XXXX XXXX XXXX I continued to remit my monthly mortgage payment of {$6200.00} to Shellpoint Mortgage via telephone through a Customer Service Representative ( CSR ) taking my payment over the phone. Please see below the monthly payment schedule beginning in XX/XX/XXXX with the corresponding wire confirmation numbers per monthly payment transfer : Payment Date Payment Amount Payment Confirmation Number ( taken by customer service agent over phone ) XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX | case no XXXX XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX In XX/XX/XXXX, my personal credit score reduced by more than 100 basis points, given Shellpoint Mortgage had submitted a false credit report stating I missed my monthly payment. It was due to their incorrect billing and internal accounting systems, that created the discrepancy. 

I requested an investigation and raised an inquiry case with a Shellpoint Mortgage CSR for reasons leading to the increased monthly mortgage payment. After looking at my case file, the CSR claimed that Shellpoint Mortgage had paid my property taxes and hence the added additional amounts on my monthly mortgage payment. 

Without my written consent and with no written email notification or mail correspondence, Shellpoint Mortgage unilaterally distributed the property taxes amount due ( paid on my behalf ) for my property evenly on a 12-month basis. 

I explained to the Shellpoint Mortgage CSR I had paid my XXXX property taxes due at this time and no additional monthly payments should be added or associated to my monthly payment amount. She claimed to have documented our discussion and would put in a request with the Shellpoint Mortgage Tax department to investigate. She provided the Tax Dept contact no ( XXXX ) XXXX Attached is a copy of property tax payment made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

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