vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANNER CORPORATION
State: OR

Complaint narrative:
I made a regular mortgage payment on XX/XX/XXXX in the morning. 

We decided to pay this mortgage off as the bank makes posting errors about interest and principal. And the bank gives us different information every time we talk to them, ie get one receipt for interest, one receipt for principal ; another person says no that is not right it has to be redone. All payments have been made on site as the bank can't seem to record anything correctly and has a different rule each time we talk with a rept- however we are never allowed to talk to a mortgage rept as that is a separate department and they don't take calls. 

We paid off the mortgage on XX/XX/XXXX in the afternoon. 

Other than the receipt we received for both transactions listed above, we have not received a pay off statement, or any documentation that the property has been released by the mortgage department of the bank. We did receive a 1099 which lists a balance on the mortgage. We don't have a balance. 

My husband talked to the Bank manager who referred us to the mortgage depart. 

I called the mortgage department, they did not respond. 

I've sent a total of 6 letters, no response. 

I would like a list of every payment made for 2021 and the applied interest for my account to verify. 

I want documentation of pay off of the mortgage. 

I want the property 'released ' per county records. 

It's been almost 3 months, this is an unaccepable business practice.

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 2022-02-17 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed fraudulent charges on my credit card account in the total amount of {$1400.00}, including 5 charges from XXXX ; {$270.00}, {$65.00}, {$320.00}, {$320.00}, {$430.00}. I immediately notified Bank of America ( BoA ) over the phone regarding those fraudulent charges. 
On XX/XX/XXXX, BoA sent a letter saying that the fraud claim was not approved because " we confirmed the merchandise was shipped or service ( s ) was provided to an address listed on your account ''. However, nor only did I nor any of my family member not make any purchases from XXXX, but also we did not receive any merchandise nor service ( s ). There was no information nor evidence provided that proves those were our charges. 
On XX/XX/XXXX, I made a call to the BoA dispute department and asked to reopen the investigation and send us any information and evidence pertaining to these fraud charges. However, they never send any further information. 
On XX/XX/XXXX, I mailed ( registered mail ) a letter to BoA asking to re-investigate and provide more detailed information on those charges. 
On XX/XX/XXXX, I received another letter from BoA ( dated XX/XX/XXXX ) saying that " our decision to decline your fraud claim for this transaction ( s ) hasn't changed ''. However, there was no further information such as the name of the person who made the purchases, email address, phone number, IP address in which those charges were made, and the proof that those merchandises or service ( s ) were received at our address, etc. 
As of XX/XX/XXXX, I have not heard nor received any correspondence from BoA regarding this matter.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this complaint to TransUnion. It was the result of their non-compliance to my request and for their refusal of getting the items listed below to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX Date of inquiry XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and the inquiry stated below is unfamiliar to me. Therefore, the furnisher was unauthorized to pull my credit report. 
Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. 
XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
I was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-02-17 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: VA

Complaint narrative:
On XX/XX/XXXX I sent a dispute to TransUnion requesting a reinvestigation AND Method of Verification about the following account XXXX XXXX XXXX XXXX dated ( Account Number XXXX ; Opened XXXX, XXXX ; Balance {$960.00} ) .TransUnion just sent me automated reply without providing proof of " Method of Verification ''. I have requested TransUnion method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

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 2022-02-17 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:
I have two collections on my file. I contacted the companies to settle the debt and received an agreement to settle and remove the items from my files. 

I provided this information to the credit bureau and they removed the balance only. They did not remove the item from the file. 

The items in question are : 1 ) XXXX XXXX ( Account number XXXX ) 2 ) XXXX XXXX XXXX  ( Account number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have two collections on my file. I contacted the companies to settle the debt and received an agreement to settle and remove the items from my files.

I provided this information to the credit bureau and they removed the balance only. They did not remove the item from the file. 

The items in question are : 1 ) XXXX XXXX ( Account number XXXX ) 2 ) XXXX XXXX Co ( Account number 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 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/2022 escrow closed on my home located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. Within that week I went to PHH MortgageXXXX website to confirm it was paid in full and it was. I also put a forwarding address as to I was waiting on my credit for my escrow account in the amount of {$4500.00}. PHH mortgage proceeded to send my check to the corona address even after I had updated a forwarding address. I found this out on or about XX/XX/2022. The agent then told me she would stop payment on that check and reissue it to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX. She stated The check would go out the next day or XXXX XX/XX/2022, at the latest. I waited approximately a week, XX/XX/XXXX, and called to verify that the check was indeed on its way to the new address, I was told yes it went out at the end of XXXX. On XX/XX/XXXX I called PHH mortgage again and let them know that I still had not received my escrow payout and I was informed that I should " Give it a few more days '' Now it had almost been 2 weeks so I asked for a supervisor. I spoke to him and we agreed I would give it to XXXX, XX/XX/XXXX He would give me a call that day to confirm I received the check, and if not he would cancel the check again and overnight a new one. I never received a callback. On XX/XX/XXXX I called asking for a supervisor and now was informed that they have to wait 10 days for the turnaround process then they would overnight me a check. I felt now I am getting the run-around and they have no intention of sending me a new check. Again I asked for the person above him as this is not acceptable the check has obviously gone missing its been 3 weeks since it was mailed. All other correspondence that I have received from PHH has had no issues reaching my home and they were all sent in XXXX so how is this possible? They are refusing to send me my check it is very simple to just overnight it I am constantly told that someone will get back to me I just want my money that is owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and the inquiry stated below is unfamiliar to me. Therefore, the furnisher was unauthorized to pull my credit report. 
Thus, there must be an error with TransUnion 's investigation. I have already addressed this issue to TransUnion but I have received nothing until this date. I am already doubting the accuracy of their investigation. 

XXXX Date of inquiry XX/XX/2020

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 2022-02-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am not swayed that XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with 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 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been an account holder with PayPal.com for more than 5 years, and had NO MAJOR ISSUES until recently. On XX/XX/2022, I had a larger-than-usual payment made to my account. By the way I was treated, and by the amount of the documentation I sent. one would think I had stolen this money, or it was earned illegally!! It stated on the transaction summary that there would be a hold until all documents were sent to verify the information, and who I was! I not only had to send my driver 's license, an other identification, I also had to send a picture and a receipt of goods I sold!!!!! This is an invasion of privacy!!!! They should've looked at the senders information, and saw that it was from a jeweler/pawnbroker!!!!!!! I was treated as a XXXX who stole it!!!!! I has to fight like crazy to get this hold released -- I had to deal with countless customer service agents who anything but helpful -- how about they were deliberately antagonizing!!! I was finally able to reach someone in the escalations department to help release this hold!!!! I even filed a XXXXXXXX complaint, which wasn't all that helpful either!!! I was told this wouldn't happen in the future, but it has again, and now, it's even worse!!!! On XX/XX/XXXX, I received a check from " XXXX '', that was deposited into my account, and ready for immediate transfer, or so I thought. When I did the immediate transfer, the transaction details state that the transaction was pending until XX/XX/XXXX!!!!! It was supposed to be in my bank account within minutes, and I was told no more long holds!!!!!!!! Again, more run-around from Customer Service and the so-called Managers!!!!!! Yesterday morning, I sold an item, and the customer sent the money to my PAYPAL ACCOUNT. Those funds were to be on hold until the item was confirmed delivered-which would only be for several days-up to 7 days. Now, the funds are on hold til XX/XX/XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I need my money, and should have it after the item is delivered and confirmed delivered!!!!!!!!!!!!!! Otherwise, it's abuse and starvation!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
Transfer of money was canceled by Moneygram without any explanation. Prior to this I used the Moneygram XXXX to transmit money without problems. So I was directed to speak with the decision makers and they told me that I will have to use another company to transfer money. So out of frustration I reconnected with XXXX XXXX which I used before but had higher rates but lower receiving exchange rate. So after a couple of successful transactions with XXXX XXXX I had the same problem with XXXX XXXX. 
I came to the conclusion that XXXXMoneygram had black listed me. I came to find out that XXXX XXXX and Moneygram had merged. I made several phone contacts with both Moneygram and XXXX XXXX  but that changed nothing. I tried XXXX but I am in the same position. I need to know what is the problem is. 
I have been supporting my family for over 30 years. My family needs me.please help me overcome this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Experian requesting a reinvestigation AND Method of Verification about the following account Fair Collection & Outsourcing dated ( Account Number XXXX ; Opened XX/XX/XXXX ; Balance {$960.00} ). Experian just sent me automated reply without providing proof of " Method of Verification ''. I have requested Experian method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

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 2022-02-17 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: PA

Complaint narrative:
I was a victim of identity theft. I sent XXXX, XXXX, and Equifax my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 explanation
Consumer complaint received 2022-02-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation