vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX I contacted Regions Bank regarding XXXXwo fraudulent ATM charges and two ACH fraudulent charges. Regions immediately canceled my card and advise me to go into their XXXX XXXX TX branch to close my account, open a new account and obtain a new ATM card. On XXXX it took me 1 hour to drive there and advised the bank in XXXX XXXX. *I was told that my account would be closed on XXXX. On XXXX, I called XXXX XXXX XXXX XXXX in the XXXX branch and advised my account was not closed. He advised it would be closed that evening. On XXXX, I spoke with XXXX XXXX inquiring as to why my account was not closed as another charge was on my account. He assured me that the old account would be closed immediately. On XX/XX/year>, a check for {$700.00} was submitted to the OLD account and XXXX XXXX advised he would transfer {$810.00} from my NEW account to cover the check/charges and confirmed he would close the account. *This was never done. On XXXX I called XXXX XXXX as I noticed he did not* transfer the funds as indicated and the check was RETURNED. XXXX XXXX said he doesn't know why the check was returned and he did not follow through on the transfer until the XX/XX/year>. Thus, the check " bounced ''. Regions Bank is charging me excessive fees ( checks, NSF, and other fees ) and failing to perform what was promised. I feel that Regions owe me for the costs of the checks as well as the frustration and illegal withdrawal of funds via ACH that I never authorized. As of XXXX the account is not closed. There are continuous bank fees that are not mine. I can not get anyone else from Regions to call me -- I've even made a complaint at the corporate level with no response as of XX/XX/year>.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
" "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
recently o looked at a copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit it is my undestanding tha you will investigate these items for me to ensure accuracy.

here is item im asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Transunion : XXXX Transunion : 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 2024-05-29 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: FL

Complaint narrative:
recently o looked at a copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit it is my undestanding tha you will investigate these items for me to ensure accuracy. 
here is item im asking you to verify as accurate EXPERIAN : XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX. : XXXX XXXX XXXX Account # XXXX XXXX : XXXX XXXXXXXX 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 2024-05-29 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: AC AutoPay LLC, Denver, CO Branch
State: CA

Complaint narrative:
I was approved for a refi from 7 % to 4.80 % on AutoPay who was promoting on XXXX XXXX. They ran my credit I was approved then cancelled my application after running a hard inquiry. 
They stole my information. Plan and simple. 
Need this hard inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
In a period of over 5 months I have sent letters indicating the inaccurate, erroneous information i have identified on my credit reports. Unfortunately, XXXX, Transunion and XXXX have failed to provide an honest and transparent investigation on my claims. Today I am filing a formal complaint. I will attach the proof of the letters i have sent. Please reach out to XXXX, Transunion XXXX XXXX and demand an investigation to be completed- I am also requesting proof of the investigation. If this is not done correctly as per the FCRA laws of investigating erroneous accounts I demand full deletion of the item in question. Thank 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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK
State: PA

Complaint narrative:
I received 2 letters in the mail from Discover saying they received my application for a Discover Bank account, but they were unable to verify my information and the application was canceled as of the date of the XXXX XXXX XXXX. 

I called Discover ( XXXX ) to confirm this information. They advised that I report it to the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, are all fraudulent accounts. Also, according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ), collection agency is violating my consumer rights by using false misleading, deceptive means.

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 2024-05-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
My mother took out reverse mortgage on her home on XX/XX/XXXX. She passed away last year. I've been residing in the home since she passed away. I contacted PHH Mortgage and notified them. In the contract, it reads that any heir can reside in the home just so long as they keep up the insurance and the taxes. I've been doing so. In XXXX I received a notification from XXXX XXXX, a bankruptcy attorney. I was notified that the house was in foreclosure and it was going to be auctioned off on XX/XX/XXXX at XXXX XXXX. I wasn't told this by PHH Mortgage. The last time I spoke with them I was told that the house wasn't in foreclosure. They tell you one thing and then they turn around and do another. They want full payout for the house and that is something that I don't have. I'm on a fixed income. They knew what their intentions were all along and they chose to be deceptive in my opinion. They are able to take people 's homes by asking for large sums of money and proceeding with foreclosure once they don't get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/2XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: WI

Complaint narrative:
I have been dealing with having debts that are not mine removed. All 3 credit bureaus to this date has NOT provided me with any information I have asked for and COMPLETELY IGNORED my last request for .... 

1. The name and address of the original creditor 2. The original date of delinquency and amount owed XXXX. A copy of the original contract or other documents bearing my signature I have sent several letters .... 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Several letters in between for the information " THEY '' asked for I was completely ignored on the last letter!!!! I have also been presented with " stalling tactics '' All letters I have sent I enclosed a front and back copy of my license, and current utility bill. When it gets close to the 30 day mark I have received letters stating that I had to send in a copy of license and utility bill AGAIN, because it was CLAIMED it was not " CLEAR '' enough. This is not true!!!! I am also getting the run around, I called TransUnion, and was told I needed to contact XXXX or XXXX to have it removed .... Since when is this the way it works? I also contacted XXXX and spoke to a " supervisor '' and questioned WHY I have to send yet another copy of the same thing I already sent. He claimed it was not legible, however when I asked if he personally seen it, he could not answer me, and I know it was as clear as day, and this is after I sent them several other copies that they continue to ask for. Please be advised that all letters sent to all bureaus, were sent certified mail.

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 2024-05-29 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: AL

Complaint narrative:
Credit companies, XXXX, XXXX and Exquifax are using my personal information and making it public without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: AL

Complaint narrative:
Credit companies, XXXX, Experian and XXXX are using my personal information and making it public without my written consent.

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 2024-05-29 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that XXXX XXXX XXXX # XXXX is reporting on my credit report. This letter serves as my official complaint regarding the erroneous account information that is negatively impacting my credit score and my overall financial well-being. 

I have recently reviewed my credit report and identified that XXXX XXXX has listed an account for which I am not liable. This account does not belong to me, and the information being reported is entirely inaccurate. I am aware of my rights under 15 U.S. Code 1681, which guarantees that I am entitled to have only accurate and verifiable information included in my credit report. 

Despite my attempts to resolve this issue directly with XXXX XXXX, the erroneous information remains on my report. This ongoing inaccuracy constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the Consumer Financial Protection Bureau intervene in this situation and take immediate action to ensure that the inaccurate information reported by XXXX XXXX is deleted from my credit report. This erroneous entry is causing undue harm to my creditworthiness and financial reputation, and it is imperative that this matter be resolved promptly.

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 2024-05-29 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that XXXX XXXX XXXX # XXXX is reporting on my credit report. This letter serves as my official complaint regarding the erroneous account information that is negatively impacting my credit score and my overall financial well-being. 

I have recently reviewed my credit report and identified that XXXX XXXX has listed an account for which I am not liable. This account does not belong to me, and the information being reported is entirely inaccurate. I am aware of my rights under XXXX XXXX Code XXXX, which guarantees that I am entitled to have only accurate and verifiable information included in my credit report. 

Despite my attempts to resolve this issue directly with XXXX XXXX, the erroneous information remains on my report. This ongoing inaccuracy constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the Consumer Financial Protection Bureau intervene in this situation and take immediate action to ensure that the inaccurate information reported by XXXX XXXX is deleted from my credit report. This erroneous entry is causing undue harm to my creditworthiness and financial reputation, and it is imperative that this matter be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX came to us and sold us solar panels. they said our electric bill would be in the low double digits, and that we need XXXX or XXXX panels. This is based on the energy usage of our current air conditioner. I informed XXXX, the salesman, that the A/C is XXXX XXXX XXXX. he took my Income tax return, checked my credit, and qualified me for a XXXX loan. They did not discuss the contract with me. after a few months Other solar companies advertised on XXXX the installation of solar panels with new A/C in the package. My light went on and I realized that they overcharged me and installed too many panels based on an old air conditioner. I contacted XXXX several times and on 2 ocasions he promised to try and help me with a new air conditioner. So far, that did not happen. Once I realized that GoodLeap Financial was charging interest only, I questioned why they also did not go over the lease with me. i did not know I had three days to cancel. Both XXXX XXXX and GoodLeap told me that I am qualified for a 26 % or {$11000.00} credit. They both told me to get the {$11000.00} and do what I want with it or put it towards the loan and I I do not put it towards the loan then my payment would increase from {$70.00} per month in 18 months to {$180.00} per month. So far, the retired IRS agent who filed my XXXX taxes asked me " Who lied to you ''. I complained to both XXXX XXXX and Good Leap and they said I have 5 years to file. When I filed my XXXX taxes I used a paid service and they told me that the government does not give money back. They use it as a credit towards my total income and lower my taxable amount. We are still not qualified due to our income. Both XXXX XXXX and Good Leap are aware. Our monthly payment is $ 189 monthly. Our electric bill last month was XXXX plus dollars. Our lives are now miserable. We are begging GoodLeap to lower our payments or come and take their panels which are of no use to us anyway. In XXXX, I begged them to let me pay {$76.00}, they received {$76.00}. I am no longer able to access my account with GoodLeap. This month we paid {$110.00} or so. They said we will be paying {$180.00} after this month. We are not able to make that payment. This is due to the lies and tricks of XXXX XXXX and Goodleap. Neither GoodLeap nor XXXX XXXX has reviewed their leases with us. My husband did not even sign their electronic stuff and I am not sure if XXXX XXXX electronically signed the contract on their own.

Company response to consumer: Closed with explanation