vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Ameris bank is not applying payment for Mortgage Reinstatement plus three months of additional payments to my mortgage account # XXXX payed to them by the GA HAF program on my behalf processed XXXX They claim to have received notification that I was approved for payment but not the payment itself. I contacted the GA HAF program after seeing the payment sit in the processed status for over one month and Ameris Bank nor the GA HAF program could tell me where the payment was and why it had not been processed completely. The GA HAF underwriter XXXX XXXX finally had the accounting department check the payment and they stated Ameris has two divisions a retail and a DVI division they made a mistake and sent the payment to the retail division. I wondered how could this happen with both sides talking to each other directly and Ameris verifying my account info with GA HAF via a XXXX How could this go on over a month and not get corrected? As a result Ameris continued to report negatively on my credit report even though they knew about this payment. They also engaged in negative reporting while I was in Covid forbearance and also reported negatively while I was in loss mitigation with an agreement not to report negatively on my credit. As a result of all this negative reporting some of my credit accounts has been closed and some reduced in credit. The GA HAF program underwriter said the funds had to be sent back to them and resent to Ameris. The Ga HAF program resubmitted the funds on XXXX back to Ameris DMI the correct division. To date Ameris has not updated my account to show this payment reinstating my mortgage account with the next due date of XX/XX/XXXX reflecting the three advanced payments. I have reached out to XXXX XXXX for assistance to see if they can with their mortgage servicer but Ameris continues work against me. Negative credit reporting when they should not due to forbearance or loss mitigation, Late response to mortgage assistance application, and not applying GA HAF mortgage assistance payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Included in the this section is the letter which I sent to all XXXX credit reporting agencies instructing them of the identity theft and fraudulent accounts to be removed, including the timeframe in which it needed to be done by and they did not comply with federal law. Attached are also the letter and my FTC identity theft report. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

I reached out to the XXXX, TransUnion, and XXXX regarding this exact matter and it has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Bureau LLC
State: OH

Complaint narrative:
This company has been harassing family members that I have nothing to do with and everyone that lives on my street. When I try to call them back at the number they call from, it is never able to connect because it's not a good number. I finally answered today and told them not to call anyone except my phone number and informed them that I am filing XXXX  XXXX Bankruptcy to which he told me I cant legally do that, laughed and said good luck and hung up. I am humiliated that they have left these threatening messages with my neighbors and people with the same last name. They told these people that they will come after them if they don't help the debt collector find me. They also left messages for me threatening to show up to my job and get me fired. One of the many numbers they called from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CT

Complaint narrative:
I used Remitly services to send {$1200.00} to benefiecry in XXXX. Remitly notified me that money was sent on XX/XX/2023, and the transaction was successfully completed on XX/XX/2023. The transaction reference number : XXXX provided by Remitly. However, It's been two months since the transaction done by Remitly, but my beneficiary ( XXXX XXXX XXXX XXXX ) did not receive funds till now. My beneficiary ( XXXX XXXX XXXX ) is a reputed XXXX travel agency headquartered in XXXX, XXXX, providing travel services. I contacted Remitly multiple times to solve this issue, but Remitly never helped me and always gave false information. One Remitly agent informed on their chat section that funds won't be delivered to the beneficiary as the beneficiary is a business account. Another Remitly agent told me that the beneficiary would receive the funds ; it doesn't matter if it's a business account. Third time, Remitly agent said funds are successfully sent to the beneficiary, but the beneficiary never received the funds. Fourth time, Remitly agent told that they will investigate the issue, but I never got reply or solution from them. It is my hard-earned money which is lost because of Remitly incapability and misinformation. After not getting help from Remitly, I disputed this transaction as the beneficiary did not receive the funds. Remitly kept saying funds were transferred, although it was never received. I recently discovered Remitly suspended my account as I disputed the funds with XXXX XXXXXXXX XXXX. Remitly did not take any responsibility for this situation and did not help me at all. 
In conclusion, Remitly has given mental harassment and incorrect information about fund transfers. The reference number of the fund transaction given by Remitly is not traceable, and my beneficiary and beneficiary bank are also confirmed that funds are not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
I financed a vehicle with Hyundai Motor Finance ( HMF ) at 0 % interest. I have since moved states and my new state requires I re-title the vehicle in my new state before I can register it. I first attempted to follow HMF 's directions online to upload a request for XXXX XXXX to title in a new state in XXXX. After several days of delays, they updated the online status to say the XXXX address was invalid ( it was not, but it is a newer DMV office ) and that they needed a completed Title Application. I completed that and uploaded it on XX/XX/XXXX. The status changed to " Pending '' with no additional notes or information. I finally called on XX/XX/XXXX after not hearing anything from HMF, and was advised they needed me to mail the physical copy ( despite this not previously being a requirement ). Considering this information was never relayed to me, I asked for a supervisor for further clarification and why two and a half weeks had passed and he said HMF asks all customers to call them for a status. This is not stated anywhere despite his insisting that it is always requested. This is exactly what they display online : " We are processing your state title transfer. Please reference the status tracker and checklists below to stay up to date on where we are in the process. Expected timeframes can vary. Please allow 6-8 weeks for the process to be completed. For more information please visit our FAQ section. " At this point it feels like they are purposely delaying assisting me with my state title transfer in hopes that I'll pay off my 0 % loan so I can get my title and register my vehicle.

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 2023-05-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions

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 2023-05-08 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: EQUIFAX, INC.
State: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: Experian Information Solutions Inc.
State: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years. 15 USC 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 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 explanation
Consumer complaint received 2023-05-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANKMOBILE TECHNOLOGIES, INC
State: VA

Complaint narrative:
BMTX Executive Office refuses to verify the funds owed to me on my closed account. 

XXXX, XXXX XXXX XXXX XXXX XXXX there are Compliance violations led by one of your employees XXXX XXXX who sent a check that XXXX  banks can not validate the check # s do not match. BMTX must Pay my money back in full this week please call soon. 

Check numbers provided do not match XXXX XXXX Please to correct this matter today. Bank says this is unverified by Customers Bank. As of today I am owed {$2700.00} as well as {$560.00} for a Dispute claim they promised to send an overnight Cashier check to me XX/XX/XXXX. Banks says the check not not be validated and I am pregnant & need my money back this week. They refused to submit ACH or wire transfer & I can not speak to anybody from the executive office because Customer Service keeps hanging up on me. How am I going to get back my money is my desire to resolve and according to these emails from XXXX XXXX XXXX refuses to provide their banks contact information to validated the check. This employee XXXX XXXX has been reported for Compliance fraud because he did not allow me to transfer funds from my account before he closed it. This was a malicious and intentional act and blocking my phone number from calling Customer Care to clarify my complaint was discrimination and exploitation. 

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 2023-05-09 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Based off your previous investigation from complaint # XXXX with the CFPB. Your alleged findings after contacting the listed sources is that the items were done under my attorney. Please go back and refinance complaint # XXXX to make sure you have all detailed information correct and please supply me with your full and complete investigation findings from each 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
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account is being reported with an inaccurate information. 

This letter is in response to my letter mailed and dated ( XX/XX/XXXX & XX/XX/XXXX ) to Experian, XXXX XXXX XXXX. In my letter that was dated XX/XX/XXXX, I disputed names associated to my report. My legal and correct name is XXXX XXXX XXXX. I provided copy of my social security card, driver 's license and copy of a utility bill. 

I requested that all these names are deleted to any consumer credit reporting agency : 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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX of 2023 I received a credit alert as a new collection on my credit report. Jefferson Capital Systems. 
The original creditor was XXXX XXXX. 
The Company claims under the FCRA rules they can " park '' the debt and refile it as many times as they want in the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I send {$400.00} to XXXX XXXX to a bank account I use money gram for the transaction, but hey said the account number was wrong, but how this people can get the money if the name and the account number wasnt same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I am writing to communicate the lack of honesty and professionalism I have received from Bank of America ( BOA ). On XX/XX/XXXX XXXX the was a fraudulent charge on my account for {$9100.00} in which I did not authorize by any means. I immediately reported it to the fraud department and they temporarily credited my account for that charge while they performed the investigation. On XX/XX/2023 the same merchant who made the fraudulent charge on my account credited my account for the {$9100.00}. When I noticed the credit I contacted the ( BOA ) and asked why that merchant had access to debit and credit my account without my authorization. The answer I received was that it was part of the investigation and that the temporary credit they had issued was going to be charged back since the merchant had already refunded the charge. It did not sound convincing to me but the funds were back into my account so I assumed it was all good. Shortly after I received a letter from BOA claiming that after their investigation I was the one who made the charge. I was very disappointed and felt accused of being part of a fraud. I went to the local branch and they told me there was nothing they could do to help, the only thing I was able to do was call the fraud department. When I called they told me they were going to clarify that and re-opened the case for further investigation. Then on XX/XX/2023 I received another letter stating the same unfair and disrespectful decision that I was the one who made the charge. To make matters worst now I see on my statement I am being charge interest rate fees on that fraudulent charge. Today is XX/XX/2023 and I called to dispute this and they keep on saying that I am responsible for that fee since I was they one who made that purchase. I am sincerely out of words and extremely disappointed.

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