vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I opened a new checking account at Regions Bank on XX/XX/XXXX to take advantage of a {$300.00} bonus offer. Shortly thereafter, I received a letter in the mail saying that I needed to come into the bank with a lease or mortgage agreement as proof of residency. I moved in with my boyfriend in XX/XX/XXXX and was never added to the lease, so I didn't have the type of proof they were looking for. I called Regions sometime in early XXXX to explain the situation, and they said they would look into it. On XX/XX/XXXX, I got a call back from the woman I had previously spoken with who informed me that the issue had been resolved, the flag had been removed from my account, and that all I needed to do was add money to the checking account to keep it active. 

That same day ( XX/XX/XXXX ), I transferred {$1500.00} from my XXXX checking account to Regions to get the {$300.00} bonus and avoid any fees. I closed my XXXX account in the process and received a notice from XXXX that the account wouldn't be closed until the transfer went through. A few days later, my account was closed and I assumed all was well. However, when I tried logging into my Regions account a couple of days later, I kept getting error messages. I called the bank, and they informed me that my account had been closed on XX/XX/XXXX due to inactivity/insufficient funds. When I asked about my money, they said that the transfer wasn't showing on their end and that I should contact XXXX. 

When I contacted XXXX, they were easily able to locate a record of the transfer. They provided me with a transaction reference number ( XXXX ), and the date and time of the transfer ( XX/XX/XXXX at XXXX EST ). They had a record of the money being transferred and successfully deposited into my Regions account ( we double checked the account number ). I went to a Regions bank on XX/XX/XXXX to explain my situation, and a woman there filed a ticket with the back office. Today ( XXXX ), she called me back and said unfortunately, the back office wasn't able to locate any record of the transfer or my money. She again insisted that I work with XXXX, but when I called XXXX yet again, they insisted that the transfer went through and that Regions has the funds to provide me with my money, since XXXX successfully transferred them. This has all been incredibly frustrating and I am looking for additional help locating 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 2024-02-02 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:
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. 

Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-02-02 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: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
My name is XXXX XXXX, my XXXX XXXX XXXX, was paid off in XXXX, I have called many times to have the lien released, I never received a title, and they refuse to resend it. When I go to the dmv, the car still shows as Hyundai motor finance owning. This car is 100 % paid off. Theyve confirmed it again and again and I never receive any documents I need to either get my title or lien release. This is fraudulent and causing me hardship. VIN 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 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We tried to refinance our mortgage to avoide losing our home in XXXX XXXX NV. We were advised by Wells Fargo Associates to hold our mortgage payment in a savings account and not make a mortgage payment for 3 months. After that apply for a refinance to show finanacial hardship. We were denied and were about to be forclosed. This force my wife and I into bankruptcy in which we have still not recovered. 

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 2024-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: GA

Complaint narrative:
Received notice of Collection Added to Credit Report XXXX on XX/XX/XXXX. 
from IQ DATA INTERNATIONAL for {$89000.00}. I called the company and was very upset that these charges were put on my acct and I had no chance to dispute prior to. XXXX was acting as if she were there to assist and also agreed that the amounts were off and only had a Balance Forward which she couldnt verify because of Company change. I read up and contacted them back on XX/XX/XXXX and asked why didnt I receive debt verification letter and was told that they didnt have to. I also asked when I moved in and I was told 4 different dates. Also asked when the last time a rental payment was received and that was incorrect. When I first initially got on the phone with XXXX, I ask him since I never received validation of debt tell me where the balance came from because my info was totally different, XXXX was beating around the bush because he wanted to know what info I had. He then said that they had a full Ledger. I wanted detailed information in which he couldnt provide and he than began to be upset and unwelcoming. He put me and hold and they hung up, called about 6 more times and also hung up. I then spoke to a manager and asked why wasnt I given proper notice, I told him it was unfair a deceptive because they hadnt verified any charges were accurate. To unknowingly add amounts that were clearly a red flag shows the lack of accountability and credibility with IQ Data. My rights were violated and I will seek the proper roads to have this Company Penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-02-02 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: VA

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit 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: WA

Complaint narrative:
Noticed a charge of {$2400.00} on my Bank of America credit card I did not do. It was charged on XX/XX/23. Immediately I cancelled the card and filed a fraud dispute. Bank of America came back and said they had proof I did it and denied the dispute. They would not provide the proof. I explained again I didnt do it. They had said the chip was used and since I had the card I must have done it. So I thought maybe someone charged me the wrong amount. Bank of America said to file a billing dispute. I said i want to know what was purchased and see the receipt. They came back with a receipt signed by someone else at a merchant in XXXX XXXX. It is not my signature and Ive never been to XXXX XXXX. I was in XXXX. The signature is nothing like mine. They then let me file a fraud dispute. I heard nothing for weeks. When I called to check in they said they denied it but could not say why. Each time I call I spend a significant amount of time getting the run around being told I must have done this. I have filed a new fraud dispute again now and was told to pay the bill while I wait. I feel they are not helping me at all. This is fraud. I did not authorize or benefit from this charge. 
I have attached a photo of what Bank of America provided, and a photo of my signed drivers license to show how these signatures are not at all similar.

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 monetary relief
Consumer complaint received 2024-02-02 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: NJ

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-02-02 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: NJ

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2024-02-02 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: NJ

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXXXXXX

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 2024-02-02 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: NJ

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

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 2024-02-02 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am writing to follow up on my loss mitigation application for forbearance. I have filled out the application and mailed it back to Shellpoint Mortgage Servicing at the address provided : XXXX XXXX XXXX, XXXX SC, XXXX. As you are aware, you are the servicer of my mortgage loan on the property located at XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. My loan number is XXXX. 

I assume that, like most mortgages, my home loan is federally backed and subject to the forbearance protections in the newly passed CARES Act. I attest and affirm that I am experiencing a financial hardship caused by the COVID-19 emergency, a job loss and a costly illness and request forbearance on my mortgage loan under the CARES Act for a period of 180 days. 

Please let me know if you need any supporting documents to expedite the process. I tried to reach you on XX/XX/2024 at approximately XXXX using the phone number listed on the website ( XXXX ) XXXX, but unfortunately, I was not able to reach you. 
XXXX, XXXX, Shellpoint mortgage has hired law firm to start foreclosure proceeding against my property and the foreclosure sales is schedule for XX/XX/2024.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NJ

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-02-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: IL

Complaint narrative:
XXXX XXXX has reportedly car note late. It was not late and now my score has dropped almost one hundred points. Additionally, I would like the call pulled in which I made the payment and I was told because I was paying with my debit card.

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 2024-02-02 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: IL

Complaint narrative:
XXXX XXXX has reportedly car note late. It was not late and now my score has dropped almost one hundred points. Additionally, I would like the call pulled in which I made the payment and I was told because I was paying with my debit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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:
XXXX XXXX has reportedly car note late. It was not late and now my score has dropped almost one hundred points. Additionally, I would like the call pulled in which I made the payment and I was told because I was paying with my debit card.

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 2024-02-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation