vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX I when shopping for a Home Equity Line Of Credit ( HELOC ) so that I can pay off bills and make home improvements. On XX/XX/2018 I went to Regions Bank mainly to ask questions and gather information to see if this is where I wanted to apply for the HELOC. They were very helpful and answered all my questions. I shared with them my credit score, my personal finance and some of the negatives that I had on my credit history. I was trying to get from them, if I should or shouldn't apply based on the information I was providing. I knew that applying would result in a HARD INQUIRY on my credit which would affect my credit score. I didn't want to apply if the information I was sharing didn't prequalify me to move forward. But from the positive response I received I didn't see a reason not to apply. I was informed that the underwriters makes all the decisions on the applications. 
After weighing everything I returned To Regions Bank on XX/XX/2018 and applied for a HELOC. By the end of the day on Wednesday, XX/XX/2018 my credit application was denied. Now I have NO HELOC and left with a HARD INQUIRY on my credit. I have a checking account with Regions because I like them. So I'm not trying to hurt them. I need your help in getting their HARD INQUIRY off my credit report IMMEDIATELY so I can continue to search for the financial product that I need to do what I need to do for my home and personal finance.

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 2018-10-29 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: IL

Complaint narrative:
I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX  XXXX XXXX XXXX # XXXX, This account is a duplicate please delete XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.

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 2018-10-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
XXXX XXXX has filed a foreclosure action against XXXX and XXXX XXXX for a reverse mortgage allegedly signed by XXXX XXXX. The promissory note in question is not notarized or witnessed and the foreclosure is thus illegal under New Mexico law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have tried to reach out to Debt Recovery Solutions LLC with a HIPPA compliant regarding a debt they say i owe and asked to validate. I sent a validation letter also asking for the proof of my written consent that i gave permission to XXXX XXXX XXXX XXXX  releasing my medical information to Debt recovery Solutions LLC. I sent a certified letter back on XX/XX/2018 and have not received anything back as of XX/XX/2018. As in the FDCPA it has been more then 30 days and i am seeking this so called debt to be removed from all 3 credit agencies due to no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir or Madam of CFPB I disputed the referenced accounts XXXX which is XXXX XXXXXXXX XXXX XXXX as of 2018 The credit report of XX/XX/2018 shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. I have all my proof of documents to hold in court to show it has been removed and Equifax violated the FCRA which is {$1000.00} per each to me from Equifax I will exchange this for a immediately. 

Thank you, Your Name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Havent deleted the late payment. Also havent showed me any proof that I had a loan from XXXX   college. Still waiting on results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: AR

Complaint narrative:
An account appeared on my Transunion report on XX/XX/XXXX. The account stated it was from XXXX XXXX XXXX for the amount of {$390.00}. The account creditor turned it over to an collection agency : XXXX XXXX XXXX. Address : XXXX XXXX XXXX, XXXX, Florida XXXX. I spoke with the Collection agency on the XXXX and the XXXX. They could not find any record of an account with my name or social security. I also spoke to XXXX and they said that they do not have an account with that type of number. So I do not believe it is from XXXX. I also reported this to Transunion. This is not the first time these types of accounts have been reported on my account with Transunion. I would like a full investigation in this matter. I am not satisfied with the way Transunion handles these issues. I can declare with 100 % assurance that the account is not mine. I have never had XXXX services if it is an account from them. I have only had XXXX XXXX Services. Also, I have not received any phone calls or or anything in the mail to state that I owe anything.

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 2018-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported negatively against my XXXX credit report as with other credit agencies. Will not stop attempting to collect a debt I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been trying to make two mortgage payments before the 90 day deadline ( which is tomorrow ) their computer is down or will not accept my payment, they have done this before. I will be calling tomorrow when their offices in Florida are open, what shall I do if they will not take my payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: MA

Complaint narrative:
These accounts are fraudulent, after receiving collections calls I decided to look into my credit report, I would like to have these fraudulent accounts removed from my credit report immediately. 




XXXX XXXX  XXXX XXXX Status Closed Balance {$2600.00} Type Credit Card Payment Status Late XXXX  XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$4600.00} Type Installment Loan Payment Status Late

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 2018-10-29 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: IL

Complaint narrative:
I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX  XXXX XXXX  XXXX # XXXX, This account is a duplicate please delete XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.

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 2018-10-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX XXXX XXXX XXXX # XXXX, This account is a duplicate please delete XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
There was 2 transactions were made through XXXX  transfer from my savings account. Someone just added XXXX XXXX as XXXX recipient and made 1 transactions worth {$900.00} and 2nd transactions worth {$900.00}. 
I have filed case with fraud department and got the reply that " the device used to make those transfer is the same device i have been using to login ''. this is what bank of america people saying. 

I am telling them that i did not do those transactions to prove that i can do whatever they ask 1. I filed a police complaint with local police department they still stuck at assigning a detective to my case. 
2. i filed a case with general attorney. They replied to file a complaint with CFPB. 
3. I filed a complaint with XXXX These people are sucking my blood from last month over my own money. I am telling them i did not do those transactions and they keep ignoring that i did those transactions and closing the case.. 

I can even go to court to resolve this case but i am not loosing my money. 

I have seen in the internet the same issue is happened to other people they returned their money. Please see the video. same thing happened to me. 

https : XXXX I am attaching the proofs that support the case. 
when these transactions were made i did not receive any confirmation messages. 
when that much amount being transferred they should increase their security levels to stop these type of fraud. 

Bank of america people making me suffer because someone hacked into their mobile app and made these transfers now they acting like they dont want to refund my money. 

Bank of america people are BLOODSUCKING thief 's. 

Bank of america people know this issue but they not willing to refund the money. 

please help me to file a lawsuit against bank of america. 

Please Check this video https : 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 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Since XX/XX/2018, I have been trying to get this report accurate. EXPERIAN reporting practice is VERY Discriminatory. 

For example, they only report CREDIT LIMITS for negative accounts ( See attached ). THEY DO NOT report CREDIT BALANCES, CREDIT LIMITS, STATUS AND TYPES FOR POSITIVE ACCOUNTS. How are they able to do this pursuant to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I WANT THE CREDIT LIMITS, BALANCES, TYPE, AND STATUS ON EVERY ACCOUNT REPORTED ACCURATELY.

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 2018-10-29 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: MA

Complaint narrative:
These accounts are fraudulent, after receiving collections calls I decided to look into my credit report, I would like to have these fraudulent accounts removed from my credit report immediately. 




XXXX XXXX  XXXX  XXXX Status Closed Balance {$2600.00} Type Credit Card Payment Status Late XXXX  XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$4600.00} Type Installment Loan Payment Status Late

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 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
Re : Merchant ID Numbers : XXXX, XXXX Elavon merchant services ( elavon.com ) owned by US Banks and affiliated with XXXX XXXX has been our credit card processor since XX/XX/2014. They have recently withdrawn a total of about {$140000.00} from two of my business accounts in one day. When we called them to question the activities, they gave us multiple reasons as to whey they can't release any information claiming that they are investigating our accounts and that it is with fraud prevention. They explained that we might get the money back in 90 days. Later, mentioned that IF we get the money back it won't be till 120 days. We are 100 % sure this is XXXX stealing from us because of their lack of information and false claims that " they are investigating. '' In addition there are hundreds if not thousands of ripoff reports online along with XXXX complaints, and similar consumers that resulted into lawsuits. 

We've called them over 10 times and can't get an answer from them. There seems to be a " Processing Representative '' who isn't releasing her last name claiming that she can't provide that information as it isn't relevant. We asked her for her email address to send her a log of all of our receipts and she advised that isn't going to change anything and refused to provide her email address. There seem to be four representatives in the processing dept. by the name of XXXX. We called XXXX 's main phone number and one for their reps gave us the name of XXXX XXXX which we are questioning is a real name. He seemed very nervous and stated " I'm just a rep I have nothing to do with this. '' We are a small family with a small business trying to make ends meet. We have XXXX kids and this is so much money. We are under a lot of distress and really need your help with this matter. I am at XXXX. 
Sincerely, 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 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Back in XX/XX/2018 l paid for a membership with XXXX XXXX using my USAA Debit Card for {$40.00} l disputed this charge with USAA as months have gone by and XXXX XXXX failrd to provide the membership to me, the last communication by email l had was them telling me " you will hear when we hear '' so l disputed the charge and USAA send me a reply saying l was out side the time frame, l told them, the reasons as l am here and they refused to except it as a result of me not receiving the membership from XXXX XXXX l have lost the whole season to XXXX XXXX XXXX. I am asking your agencies help in resolving this, this is not a normal situation and USAA has to understand this, l am not trying to get free money from USAA but money that l work hard for and money l paid for a membership that l never received and will not receive now. So l am requesting that your agency help me in getting my money back. It sound like USAA wants to loose a long time customer over this and does NOT care that l am out of pocket for a item that was not provided to me by the organization that got my money and provided me with nothing over these months. 

Regards XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BB&T CORPORATION
State: TN

Complaint narrative:
bbt pulled my credit 3 times XX/XX/2018, XX/XX/2018 and XX/XX/2018 without my authorization which affected my heath credit. I need them to pull all those hard inquires from my score

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 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation