vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Been trying to get a hold of someone in customer relations with Regions for several months. The hold time is always above 40 minutes and has been extremely difficult to get in contact. I do not live close to a branch so this would be my only form of communication. I tried their online web chat as well trying to talk to a real person and over an hour went by with no response. I have been XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  so I have not received any mail. I also have no received any calls to make me aware of card cancellation. I've never missed a payment in 7 years and since they are too hard to get a hold of they didn't send me proper paperwork to inform me the card was closing. They call all the time about promotional products or late payment but no phone call for major account changes? Seems deceptive to me

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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent multiple letters requesting my credit report and have yet to get a response. My report shows as a nonexistent account which I need corrected to move forward with verifying my credit rating.

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 2022-06-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and Account name XXXXXXXX XXXX XXXX XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: MI

Complaint narrative:
I had to contact Southwest Recovery Services by phone to get their correct address because I sent them disputes and they kept coming back to me as undeliverable because of incorrect address. I sent it to the address which they provided on my credit report. 
After they gave me another address of XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX, I mailed the most recent Dispute and Notice of Debt Validation to them on XX/XX/2022. I have stated to them several times that I do not recognize the debt which they are reporting to my consumer credit file. Southwest Recovery Services has not replied to validate this alleged debt. They have also provided incorrect address to me so that I can not dispute the debt with them in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
New Day USA-Deceptive advertising. 
I've been seeing this companies comercials everyday and the continue to give misguided and deceptive information. 
I have reached out to the numerous time with NO response. 
They have a history of this and has been fined in the past. 
I'm a Veteran and a XXXX XXXX XXXX  They need to be fined again ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ) has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.

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 2022-06-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my debit card information was compromised and some charges were made on my card that I didn't authorize in the amount of {$3100.00} in I believe XXXX of XXXX I immediately notified bank of America by filing a dispute. they credited my account and I received a notice a week later saying the credit was being made permanent. 2 months later they reversed the credit and I've since had the reopen my claim 2 times and they reopened it their self on XX/XX/XXXX and even though it's been past the 90 day time frame for a dispute have still yet to provide me of a resolution to this claim.

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 2022-06-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please

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 2022-06-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please

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 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: PA

Complaint narrative:
XXXX under XXXX the attached page mention of a {$110.00} refund to a card that didn't exist XXXX O/D fee of {$15.00} which NEVER would have occurred had you NOT transferred MY MONEY to an imposter XXXX O/D fee {$15.00} same reason XXXX {$4.00} fee to allow ILLEGAL transfer of MY FUNDS to an imposter ; ( account to account ) XXXX {$1500.00} transfer to imposter A SOLIDAD helped me only get {$4.00} back from the {$150.00} plus NETSPEND has committed WIRE FRAUD by giving away my money THEN charging me specious fees due to these monies being given to an imposter

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 2022-06-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
I finished a job for a client in the amount of {$270.00} the square company put my payment on hold. since I use them to accept debit card payments and within 4 hours I got a email saying my account was deactivated and I had to wait 90 days to get my money. With all this they restricted access and I cant call or chat with them regarding the issue so I sent a email to them and they havent got back I believe this to be fraudulent as they are holding my hard earned money I worked for- for 90 days plus my account was deactivated without any explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TN

Complaint narrative:
XX/XX/XXXX - I visited the Lexis Nexis website to freeze my credit file. The website stated I would need to submit proof of current US address but I have not resided in the USA since XXXX. 

XX/XX/XXXX - I called Lexis Nexis to freeze my credit file. They refused. I explained that in XX/XX/XXXX, I relocated to XXXX, XXXX, XXXX to get married to a wonderful XXXX  man. This is my first time visiting the USA since before the pandemic. While I am here, I am freezing all credit files so that I will close any channels for being a possible victim of identity theft or identity fraud since I live abroad. There was an attempt at identity fraud in XXXX. 

While the representative was on the phone, I emailed a copy of my bank statement attached to my business invoicing system, showing the bank of XXXX XXXX XXXX, Member  FDIC which lists my address of my family where my mail goes and where I reside during my current visit to the USA. They refused to accept this document. 

Lexis Nexis insists that I show proof further proof of a current address in the USA, when I do not have one. I do not live in XXXX. I live in XXXX. I have a XXXX passports but nothing else that validates my identity from XXXX. My state driver 's license expired while I have lived in XXXX as well. I have nothing to authenticate my identity as a XXXX resident, when I do not live in the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXccount # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXount # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I pulled may once a year free credit report and I see an inquiry that I am not familiar with. This inquiry is fraudulent and unauthorized and differently unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XX/XX/2022, I received an account statement for checking account. The statement listed my full name and address. I did not open this account, nor have I ever been a customer of Wells Fargo. This was the first correspondence about this account that I received. I did not receive a notification that this account had been opened in my name despite the account having my correct name and address. 

Prior to this, my information was leaked in XXXX of the many internet breeches over the last several years, so the mystery of how my information was obtained is not really a mystery. In response to this, I created freezes in XXXX, XXXX, and XXXX. 

I called Wells Fargo on XX/XX/2022 and their representative told me that this account had been open in XX/XX/2022 and that I only received a statement because I would start accruing charges for not meeting the minimum balance. There was no balance in the account and no activity on the statement I received. I find it difficult to believe that a somebody would open an account with my credentials, yet not use it for anything. It seems the only entity that would benefit from this is Wells Fargo, particularly in light that the account would start accruing minimum balance fees had I not found out. 

When this account was opened, I had credit freezes on all three of the credit reporting agencies. While this account was not a loan account, so there was no actual requirement to do verify credit, it seems a reasonable step to take in the era for identity theft, leaks of personal data, and rampant online fraud. It also seems a reasonable step to send out a written letter confirming that an account has been opened.

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 2022-06-06 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX XXXX Ref # XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1692 C

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 2022-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
To Whom It May Concern, This is a letter to explain the reason I fell behind on my mortgage payment. In XXXX my husband fell is and had to be admitted into a XXXX home because I was unable to care for him. Having XXXX income at that time and the unfortunate circumstances caused me to fall behind in my mortgage payments. In XXXX due to unforeseen circumstances my husband passed away of XXXX on XX/XX/XXXX. I trusted someone to help me with my mortgage but because of the language barrier I paid XXXX XXXX XXXX over {$20000.00} for mortgage assistance. He was telling me the mortgage company needed payments. Later I learned this individual was power of attorney on my mortgage and the monies I gave to him for payments towards my mortgage was never applied because the mortgage company does not accept payments on an active foreclosure loan. These last 5 years has been detrimental for me and my family and I dont know where I will go at this age if I dont get some sort of assistance. No one explained I could have gotten a Covid-19 forbearance nor provided any information as to how I can begin making my payments again. Its as though instead of assisting to find a solution the mortgage company is trying to take my home and leave me homeless. Please help me save my home because I do not want to be on the streets at my age now being a XXXX  citizen. I have tried relentlessly to get a workout from PHH Mortgage and they have denied me every time. I later learned that there were Covid-19 forbearances and other programs to assist borrowers like myself but I was not offered any programs to help me get back on track. As a XXXX  citizen I feel as though I am being discriminated against due to my age. There are my other people younger than me that have gotten workouts from PHH after falling behind but I have yet to receive any assistance from this company. Can you please help me stay in my home? I dont want to be homeless at this stage in my life. Thanks for your assistance in advance. 
Loan number XXXX. 


Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : also states that a consumer reporting agency can not furnish an account without my 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 2022-06-06 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation