vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Here is a copy of the letter that I emailed to the company today. I tried to contact XXXX XXXX XXXX but their website does not allow the submission of letters with any type of punctuation and I felt that my submission would be grammatically incorrect and mis-founded. 

XX/XX/2019 XXXX XXXX President and Chief Executive Officer Regions Bank Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, Alabama XXXX FDIC Field Office : XXXX FDIC Supervisory Region : XXXX, GA Federal Reserve District : Washington Re : Bank Statements Dear XXXX, I have difficulty making deposits for a family member on a personal account that they have with your bank. When I researched your bank insurance information online from different websites I found conflicting information. Some of the sights show that you are FDIC insured and others show that your customer accounts are not : Investments, Annuities and Insurance Products Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition of Any Banking Activity Only bank deposit products are FDIC insured. 

Member FDIC. 

Your companys profile ( file : /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shows that you are FDIC but that your main focus is, Commercial Lending Specialization which may be why I get nervous every time I walk into the bank to complete even a small deposit. Also, your customers bank statements do not reflect personal ownership, meaning their name is not listed on the bank letterhead with their account number. This leads me to believe that you are not properly insured for consumer personal account and that anyone can use the funds from someones personal account without a transaction being easily traced. I have had an account with Regions Bank in the past and I always had an accelerated urgency to spend my funds as soon as I deposited money into my account which caused fees. In a small town or city the customer is being targeted if they can not determine how often they spend their personal funds or in what order their purchases will be paid. 

To resolve the problem, I would appreciate your action properly insure consumer accounts against fraud from the bank employees as well as the general public, discretely indicate on bank statements that a customers account number belongs to them, allow the use of first, middle, and last name ( and/or initials ) on bank accounts and statements to insure that two individuals with the same name or initials do not get their funds mixed up. 

I look forward to your reply and a resolution to my problem. 

Sincerely, XXXX XXXX XXXX, Attorney Pro Se, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2019 2019

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 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOP FLITE FINANCIAL INC
State: MO

Complaint narrative:
I am trying to do a debt consolidation mortgage refinance and I came in contact with Top Flite Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone # XXXX I was working with XXXX XXXX in their office. Things were going along fine when he informed me that I had to enroll in their bi-weekly mortgage program in order to qualify for the loan. He told me I needed to keep the program for a year, then I could cancel it. 

I found a more reputable company on line, XXXX XXXX  XXXX XXXX who educated me on what Mr. XXXX was attempting to do. They promote this bi-weekly program but don't ell you it costs a full payment to enroll in. In my case over {$2000.00}!!!! They never told me that. The reason I had to keep it for a year is it takes a year for Mr. XXXX to be paid from the bi-weekly company. 

I further found out that several mortgage representatives at Top Flite sell the exact same program the exact same way, duping people in to thinking they are required to enroll in bi-weekly plans. 

This company is a scam, thought they promote their " customer service. '' Spread the word!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: GA

Complaint narrative:
Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account numbers ****XXXX. ( Please see page 15 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/19, I was the victim of grand larceny by communication when a scammer claiming to be my mortgage lender 's attorney ( I was just about to buy a house ) duped me into wiring them {$100000.00}. The FBI and my bank ( XXXX ) have worked quickly and diligently and I will hopefully get " almost all '' of those funds back. But I want to lodge a complaint against the recipient bank Wells Fargo, which fails to verify all beneficiary account information before opening bank accounts. The bank account was fraudulently set up in the name of my mortgage lender 's attorney. Wells Fargo is the only bank that doesn't verify EIN # s, etc. before opening accounts, as I understand this is not a formal banking regulation. Please do what you can to make verification a requirement. My attorney tells me he has recently heard of several lawyers-clients who were victims or near-victims of this scam since Wells Fargo allows illegitimate persons to set up accounts in the names of other people/companies. Also, I understand the US Attorney likely won't prosecute the people who committed this crime as the amount was under {$1.00} million. However, I imagine their scam has collected well over that amount from numerous people connected to home purchases, especially in the expensive New York region.

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 2019-04-24 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: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I discovered Waypoint Resource Group # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification or validation of this debt after disputing it. Please delete this item immediately for its a violation under the FCRA. ( See attached documents proving that the debt was deleted after disputing ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX deposited a two party check to me XXXX XXXX XXXX and her XXXX XXXX XXXX from XXXX Mortgage for the amount of {$2700.00} into her Bank of America account ( account number not known ). It is not a joint account and the funds were supposed to sent to me XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX but instead she called and them send it to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX which is a XXXX store. She then in return once I called XXXX and had them reissue the check, deposited it that same day and will not respond to me at all. I have filed a complaint to XXXX as I was the primary borrower, and BOA as I didn't have a joint account or sign the check, local police will not do anything. I fault her most of all, but Bank of America should not have taken the check for deposit as it is a 2 party check. XXXX should not have mailed a check to a non residential PO Box and meanwhile I am out of my money because of these mistakes.

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 2019-04-24 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: CA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC
State: PA

Complaint narrative:
My father passed way on XX/XX/19. Shortly after his passing we received an ambiguous letter in the mail from DCM Services , LLC to his " estate manager '' requesting information and stating that we had outstanding debts that needed to be collected. No amount was given in the letter and as I have been the one handling the medical bills from my dads XXXX treatment, I know that there is nothing that is past due. My dad was on Medicare and the insurance paid for nearly every part of his treatment, and the few thousand dollars that we did owe for various out of pocket costs have all been paid. To date we have received two of these ambiguous debt collection letters and one phone call from DCM Services , LLC has been made to my mother. My mother is XXXX years old, suffers from various mental issues, does not know how to use the internet to investigate these scams, and just lost her husband. A quick search online helped me to conclude that this company goes after people who have lost loved ones and tried to unjustly collect debts. DCM has been sued multiple times with class action lawsuits. It is sickening that this company would prey on older individuals who have just gone trough one of the most difficult times of their life. Today I, the daughter, contacted DCM Services , LLC   via phone and attempted to get them to take my mothers number off of their calling list. After speaking to two different gentlemen, I was thanked for calling and hung up on. So far I know that this issue is likely not considered harassment, but I worry that it will go in that direction and I am trying to put a stop to it now. I have been handling everything for my parents for the last year while my father was sick, and now that he has passed and I am continuing to handle their bills, finances, paperwork, etc. I know for a fact that we have nothing outstanding, my parents had the means to pay any bills that we received, so there is no reason that anything would have been left unpaid. We have a balance of {$250.00} on his hospital bill and that will be paid in May and that is all that is left to pay. And I imagine if they are doing this to us, people who have no actual debt to collect, they are absolutely harassing others that have unpaid bills much more. All I want out of this is for them to stop calling my mother. I don't care about getting paperwork in the mail, but I can not have these people harassing her needlessly in her fragile state. I have instructed her not to communicate with them if they call again and not to give them any information over the phone at all, but that doesn't mean that they will not continue to call her daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate address of XXXX XXXX on my credit report with Transunion. In addition, on XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate address of XXXX XXXX XXXX on my credit report with Transunion. The addresses in question are still reporting under my name and social via my personal credit profile.

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 2019-04-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Report Number : XXXX XXXX Date Generated :XX/XX/2019 Account Name TOYOTA MOTOR CREDIT CORP Account Number XXXXXXXX Toyota has me listed as an account holder on this account, i was not an account holder of this account and am formally requesting this account be removed of of all 3 bureaus thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: CA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-24 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: FL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: KS

Complaint narrative:
When I entered into the SAM I was assured that what I saw as an error in the principal balance calculation would be resolved when the payments going into a suspense account had been applied. They weren't. I was being held hostage to the errors of the company and couldn't refinance with anyone else. The servicing has been transferred to yet another problem servicer and I would like the mortgage fixed so that I can go to another company. 
1. I require a complete, separate breakdown of the calculations that came up to the amount of over {$150.00} k on the remaining principal balance. The principal balance was at that time around $ 120k. I had not been on a payment plan where the payments going into suspense would have equaled anything near over $ 30k. The payments in the suspense account should have taken care of all interest etc but seem to have disappeared.

2. I require a complete accounting of the amounts in the suspense account and to what they were applied.

3. I require a complete accounting of the principal balance showing the calculations to come to a figure of over $ 150k and how the suspense account was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2019 XXXX XXXX phone number XXXX  XXXX XXXX contacted my ex husband who has nothing to do with my accounts and never has and I did not give permission for XXXX XXXX to call him and they spoke with him about my account without authorization. I want this bank shut down. I want this bank held accountable I want restitution in the amount of XXXX   paid to me because of the issue. I am sick and tired of their XXXX XXXX. they are harassing my neighbors pretending to be sick relatives asking to call for emergencythreatening to call the FBI and the law on me having me arrested. I want this bank fined, shut down and ordered to pay restitution to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: GA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14, 15, 16, 17 and 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief