vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANNER CORPORATION
State: CA

Complaint narrative:
I have contacted Banner Bank by phone XXXX times to close my account. The first time was on XX/XX/XXXX in which I as told I could close my account over the phone and a check would be issued. Instead hey issued a check and left it open. They then charged me a service and to administer an account hat should have been closed. I called again on XX/XX/XXXX and told them what happened and demanded that a manager personally contact m via email or phone to verify the account was closed. The bank has done nothing but reverse the device fee charge and left he account open. The reason I wanted to close it by phone is because I told the bank I was moving and the nearest branch was an almost XXXX hour rountrip drive. This is unethical business practice to keep accounts open against their wishes for almost XXXX  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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lost my wallet while attending a football game in XXXX that included my driver 's license and social security card. I was unable to recover it. I recently pulled a copy of my credit report and noticed addresses and accounts that I have no affiliation with. I contacted the credit reporting agencies and notified them that someone has accessed my information and applied for lines of credit in my name and a fraud alert was placed on my account. I not only contacted each bureau by phone but requested verification and that all fraudulent addresses be removed from my account by mail in XXXX XXXX XXXX XXXX XXXX. I requested the accounts be verified and have yet to receive a formal response. Furnishing accounts to my credit profile in result from identity fraud violates FCRA 15 USC 1681c-2 and my consumer rights. 

I also noticed credit inquiries listed on my reports that I did not authorize or apply for from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing these inquiries I have no knowledge of or have given written consent for is in violation of 15 USC 1681B. 

I also requested that all fraudulent addresses that I have never resided be deleted and my current any only address be updated on my profile. I see that credit reporting agencies have also not updated this information per my request.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Items on my credit file are inaccurate and has not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies nor can they place any item on my credit file. No validated proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND BY NET. 

To Include : XXXX Equifax XXXX XXXX in disputes : XXXX XXXX Account-No Signed Contract with Company.

XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXX state they sold account and can no longer collect nor place on my credit file. 
XXXX-They State they sold account and can no longer collect nor place on credit file. 
FINANCIAL ACCOUNT SERVICES TEAM-Collection Account-No Signed Contract with Company. 
CREDIT COLLECTION SERVICES-Collection Account-No Signed Contract with Company.

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been 0 validations provided to prove accounts are valid.

There are Several Inquiries on my credit file that I have 0 affiliation with and have requested removal from all reports and nothing has been removed.

This is harming my credit and has been detrimental to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U.S. Bankruptcy Court # XXXX US BKPT CT XXXX  XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX, PHH Mortgage Services received my principal-only payment of {$1300.00}. I mailed a check accompanied by a statement stub explicitly identifying the payment as principal only. Also, I added a note on the check. PHH reduced the principal payment by taking out interest on the payment. This effectively pays PHH a portion of the payment and reduces my payment to the principal of my loan. This practice has had many negative impacts on me. It prevents my efforts to reduce my loan amount, increases the amount of interest owed on the loan, incorrectly states the 1098 interest reported to the IRS, and results in an inordinate amount of my time trying to get them to reverse what they have done. The primary reason to file a complaint is the recurrence of this by PHH Mortgage. I believe PHH Mortgage is intentionally misapplying principal-only payments from customers to increase their interest revenue. The very same practice occurred by PHH to a principal-only payment I made in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Per the FCRA, As a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. 

Debt Recovery Solutions opened an account fraudulently, XXXX investigated my dispute and deleted the item from my report. I now have proof of claim and I am entitled to compensation. I am ordering that {$1000.00} must be paid to the account information provided below. 

Account number:XXXX Routing number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
A collection showed up on my account from XXXX XXXX XXXX Colorado for XXXX. 
The account was created in 2023, and i have been using XXXXXXXX XXXX for XXXX years. I have attempted to located information. I did not open an internet, phone or tv account with XXXX XXXX in the last 7 years or more. 
I have disputed through XXXX and it continues to come as verified and valid. I have never received notification in the mail for a bill from XXXX XXXX. 
I have never received and invoice- i have lived at my current address for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I made 2 different purchases with my cash app card for merchandise off XXXX that was advertising these different merchandise that I was interested in, after finding out they were fraud and trying to reach the companys with no luck for 1 and the other kept saying they were shipping it out from XXXX, after it was shipped I received notification and tracking number for XXXX after the package was sent to a mailbox in Texas or somewhere else I spoke with a rep for USPS and she made me aware that the package was sent to a bogus address and it weight less the 1 pound, after being made aware of the scamming sites I reached out to Cash App for my refund they have denied my claim every time I submit a claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute and formally request the correction of inaccurate information on my credit report maintained by Experian. This dispute concerns late payments reported on the following accounts listed below : XXXX XXXX XXXX | Account number : XXXX XXXX XXXX | Account number : XXXX XXXX XXXX | Account number : XXXX I contend that the reporting of these late payments not only misrepresents my credit history but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to the following sections of the United States Code : 1. **15 USC 1681 section 602 : ** This section underscores my right to privacy, emphasizing the obligation of consumer reporting agencies to ensure the accuracy, fairness, and privacy of the information they collect and disseminate. 
2. **15 USC 1681 section 604a section 2 : ** This section outlines the procedures for providing consumers with their rights, emphasizing the right to dispute inaccurate information on their credit reports. 
3. **15 USCS 1666b : ** This section establishes additional protections for consumers, stating that a consumer reporting agency can not furnish an account without the consumer 's written instructions, and a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any 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 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I discovered that Bank Of America ( BoA ) had been charging me {$25.00} monthly maintenance fee for my checking account since XX/XX/XXXX to present day, for a total of {$75.00}. BoA never notified me they were going to charge this fee. When I called customer service they said " On XX/XX/XXXX BoA made policy changes to all acounts and BoA is not required by Law to communicate these updates to customers. The {$25.00} monthly maintenance fee is mentioned on page 63 of our service agreement ''. Reading through many pages of BoA 's service agreement on a daily basis to see if any changes have occurred is both unreasonable and unfair. BoA also changed my bank statement settings from Paper to Paperless without my knowledge and consent.

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 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Mine identity was stolen. By the credit Burace in XXXX employees took mine personal information. Please investigate XXXX employees office in XXXX. They are comiting identification fraud crimes. 

Kind regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I had a bogus collection on all 3 of my credit reports. I filed disputes with all 3 credit bureaus by certified mail. 

Experian is the sole credit reporting agency that still recognizes the debt. 
After multiple attempts at contacting them I have been forced to file this complaint. 

The collection showing on my Experian account is from a company called XXXX XXXX. 

I never did business with these people and I expressed that this was a case of fraud in my dispute. 

Also Experian is incorrectly showing that XXXX other accounts are late but closed and paid. 

The accounts can't be both late and closed. I paid off the accounts and closed them, however this is not reflected on Experian. 

Thank you to whoever reads and investigates this matter. I really appreciate your time and attention.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Let the company know I was the victim of identity theft and fraud on my account they still keeping unwanted information on my profile against my will and consent I ask for the removal which I'm in the right to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting 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:
I believe my information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I applied for a new checking account using a promo code with Wells Fargo. I was not able to open it online and was directed to go to the branch and was provided a promo code via email. I went to the branch informed the representative and provided him the email. He used my phone to add the code to my account. I added the account to my direct deposit and met all the requirements. In XXXX when I should have gotten the promotion, I called the bank to inquire about the bonus and got a claim number. I called back after 3 weeks and was told that I never provided the promo code, I asked for a supervisor and was disconnected. I tried to call back but was blocked. I called the branch and spoke with the supervisor XXXX, gave her the promo code, and name of the representative, she said she would call me but never did. I called her twice and she never responded. I have now closed the account given I was lied to and defrauded of the promised promo code. I want help since it's not fair that they lie and are not held accountable.

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 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
My loads were switched again, now to Mohela. I signed up for auto pay. They sent me missed payment notification. I logged in to find the issue. Assumed my own error on auto payment and paid the past due and the new payment. 

At the end of the month, I checked my bank account. The original payment has been processed by my bank AND the double payment. I made three payments and have not received any update and will not be credited for three.

Since I am counting down the payments from XXXX ( they have yet to produce a full number of payments left ) before my loans are discharged- I've been working as either a teacher or at a non profit since XXXX this is just money to them that I will never be credited. 

I've sat on hold from that time I get off work ( XXXX XXXX ) until the time they close ( XXXX XXXX ) multiple twice this week. Another XXXX days through my entire XXXX lunch break. 

They can't account for my payments. 
They can't accept payment. 
They can't remedy their issues. 
I can't even talk to someone about how to get it solved. 

If these were true for any type of financial services but student loans, we would get to report these as scams. Please begin treating them as such. These are known issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
They added extra taxes to my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute and formally request the correction of inaccurate information on my credit report maintained by Equifax. This dispute concerns late payments reported on the following accounts listed below : XXXX XXXX XXXX | Account number : XXXX XXXX XXXX XXXX | Account number : XXXX XXXX XXXX | Account number : XXXX I contend that the reporting of these late payments not only misrepresents my credit history but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to the following sections of the United States Code : 1. **15 USC 1681 section 602 : ** This section underscores my right to privacy, emphasizing the obligation of consumer reporting agencies to ensure the accuracy, fairness, and privacy of the information they collect and disseminate. 
2. **15 USC 1681 section 604a section 2 : ** This section outlines the procedures for providing consumers with their rights, emphasizing the right to dispute inaccurate information on their credit reports. 
3. **15 USCS 1666b : ** This section establishes additional protections for consumers, stating that a consumer reporting agency can not furnish an account without the consumer 's written instructions, and a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Equifax - My information was sold and brought illegally because I was a victim of the Equifax data breach. 
I want these items deleted from my credit reports effective immediately. I am attaching proof to Equifax that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief