vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
This complaint is for the Regions Bank Fraud Department. On XX/XX/2023, a reputable meat wholesale company in XXXX, XXXX posted on their business XXXX Account a sale of puppies. I messaged the company directly and was advised there was a deposit required. I obtained the CashApp information, and within 30 minutes I realized that their business XXXX Account was hacked and I was a victim of fraud. One of the Administrators of the Account contacted me and advised their account was, indeed, hacked and unfortunately, they were not selling any puppies ( 30 minutes after the transaction ). In trying to resolve the issue with XXXX, a representative advised that they were not going to help me obtain the money from this account and it was not their responsibility to provide a refund due to a scam. I submitted the dispute with Regions Bank and was not provided a response. I contacted the Bank virtually and was told they were not going to credit me the {$250.00}. In speaking with Regions Fraud Department, they advised that they were not going to provide a reimbursement for this and that I was supposed to obtain the refund through the third-party ( XXXX ). At this point, I requested that the representative from Regions Bank Fraud Department submit a complaint of their practice to refund victims of scams. I have been a loyal customer with Regions for over ten years, and they were unwilling to refund a {$250.00} transaction. 

I understand the situation that I am in. It was my decision to send money through an application that is not secured thru FDIC ; however, I find it hard to believe that this also happened to my mother a few weeks ago ( another victim of scam with XXXX ) and she was able to get her money refunded within 2 days time. If the Regions Fraud Department is able to provide this assistance to my mother, why could they not do this for me as well? I have been a loyal ( preferred ) customer with Regions Bank for over ten ( 10 ) years and I have never called to dispute a scam or fraudulent charge. The email alone is more that {$250.00} but someone has to figure out how to stop these companies from allowing your customers to be victims of scams and have their hard-earned money taken from them. 

Again, the wholesale meat company is a reputable company in XXXX, XXXX and there was no way for me to know that their account was hacked or compromised. For the Regions Fraud Department to not provide a one-time grace for their customers to understand this is a big issue in the United States and not protect their customers is sad. It's only {$250.00} and I can only image how much they have received from my overdraft fees and interests on money in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In XX/XX/2022 XXXX XXXX was seeking Rental options. Her current lease at that time was expiring in XXXX XXXX XXXX. Using the XXXX market app as her primary resource. Like many social media apps, her new searches generated the XXXX for additional renal postings. Allowing her to be targeted by potential scam listings. 
After a few inquiries she was contacted via email. The owner of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX by the name XXXX. XXXX XXXX. They corresponded and agreed to a lease. Copies were sent via email. The owner was unavailable to show the house. The lease sippulated she was to send a deposit via XXXX XXXX  The lease stipulated the deposit was required to obtain the keys. The deposit funds were fully refundable should the leaser feel the home was not to her liking. 
Using caution, she inquired additional information from her bank before initiating the XXXX XXXX XXXX  The app is generated through Wells Fargo. Both Wells Fargo and XXXX company have anti fraud protection clauses on their websites. 
The money was funded using her debit card to fund the XXXX XXXX XXXX She sent the funds on the same day. Confirmed by reference number XXXX A week later she still had not received the keys or the requested paper lease documents. A search on the provided XXXX XXXX tracking number revealed the package slip was generated and paid. But not sent per customer request. It had become apparent she was the victim of a fraudulent offer. 
She filed a complaint/ dispute with Wells Fargo XXXX Claim number XXXX On XX/XX/2022 she received a denial letter from Wells Fargo claims dept. The investigator stated Wells Fargo is unable to track or refund any XXXX XXXX transactions. Full disregard for Wells Fargo anti fraud policy. Nor would she take accountability for the case as a debit card transaction. 
She received the same reposes when attempting to contact XXXX customer service directly. 
A complaint was filed through the FBI for cyber crime violations. Currently under review

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 2023-05-18 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: IL

Complaint narrative:
I've gotten so many inquiries and accounts under my name that i have no idea of because of identity theft back in 2020.

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 2023-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have multiple accounts where I don't recognize after the fact they happened. I don't have a exact number but I do know it has affected my life very much so. I would say the debt I have collected that I am not familiar with would be around the XXXX mark. It is defamation to my identity and need it to be resolved so I have a fair shot at this life.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 or 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 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX sent a written confirmation stating that an update on account number : XXXX has been sent to all credit reporting agencies to reflect a {$0.00} account balance. As of XX/XX/2023, all credit reporting agencies has reported inaccurate account information.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX sent a written confirmation stating that an update on account number : XXXX has been sent to all credit reporting agencies to reflect a {$0.00} account balance. As of XX/XX/2023, all credit reporting agencies has reported inaccurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX sent a written confirmation stating that an update on account number : XXXX has been sent to all credit reporting agencies to reflect a {$0.00} account balance. As of XX/XX/2023, all credit reporting agencies has reported inaccurate account information.

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 2023-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
BMW financial services has not provided me with lien release for my vehicle despite the fact that I paid off loan months ago. They keep saying they will send it to me but never so despite many calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have reached out about all of these accounts and inconsistencies several times, these errors are hindering me from moving forward in my life.

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 2023-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am unable to close my account. When i called they transferred me to fraud prevention who was too busy to take my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 2023-05-19 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: SC

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
XXXX was rude, interrupted me, has XXXX XXXX and is unbalanced. XXXX would not allow me to finish, resolve the matter, kept interrupting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
Per " SEC. 4021. CREDIT PROTECTION DURING XXXX. '' If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). The National Emergency Concerning the Coronavirus XXXX XXXX ( XXXX ) Pandemic was active from XX/XX/XXXX, XXXX XX/XX/XXXX. Being effected financially by XXXX world disaster certainly qualifies me for accomadation. 

The following Account were reported as late or delinquent SBNASELFLNDR Account # XXXX & XXXX The late payments are listed on my credit report as the following XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Took out a title loan in XX/XX/2022 to help relocate. I lost my job and got 6 months behind and was homeless but still made arrangements. As I was moving into a stable residence, my car was repossessed in the first day of work & they refuse to tell me where my car is and it has moving boxes in it and plus it barely runs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
I have no choice but to submit complaints against you with the CFPB for failure to remove or correct inaccurate information on my credit report. I would even go as far as to say that its negligence being that I notified you several times informing you that I sent a letter to the creditor, and they updated the account. The only credit bureau that is accurately reporting the account is XXXX. I will attach the letter sent to the creditor, which is dated, and time stamped. The updated XXXX credit report is updated as well. I need these items corrected per my request below. ATTORNEY GENERALXXXX 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 2023-05-18 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: OneMain Finance Corporation
State: WV

Complaint narrative:
XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX WV XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: CO

Complaint narrative:
My bank card was compromised and money stolen on XX/XX/2023. I've filed a police report and been assigned a permanent police report number. I've given this documentation to Credit Karma. I've tried to no avail to get a new bank card. The issue is my address. They wont update the address. They wont answer my question on when I will get my refunded stolen funds other than it can take up to 3 months. This is not reasonable in any way. This is my primary account and the only money I have is within this account for which I have no access other than a virtual card. Im not asking for anything unreasonable. I need to have access to my funds and I dont. They are not offering reasonable assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XXXX XX/XX/XXXX a XXXX resort mortgage loan was taken out in my name. During this time I was on a military mission in XXXX XXXX, XXXX XXXX. I contacted XXXX and let them know there was no way I started this loan due to the fact I was on military mission out of the country. They stated they had a copy of a signed contract and they talk to me on the phone on XXXX XX/XX/XXXX and I asked them to send a copy of the contract to my grandmother and she would send it to me. the signature on the contract was not mine. The address on the contract was incorrect and there was no way for them to get in contact with me because I only had XXXX in XXXX. I explained all this information to XXXX on XXXX XX/XX/XXXX, and I have not received a response yet. I have put a fraud alert on my credit account and attempted to file a police report locally. 

On another XXXX account, the company is showing my ex-husband paid for the account off on his credit but its showing I owe on mine. I called the XXXX to resolve this issue and the representative XXXX XXXX stated there was Nothing he could do, and I needed to pay XXXX to do a deed in XXXX of Foreclosure If I want to close the account. 

I also completed disputes for both accounts with Experian on XXXX XX/XX/XXXX and on XXXX XXXX Experian closed the dispute claiming the account was Verified by the debt company.

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