vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I received a copy of my consumer report and I noticed a charge off from your company being furnished on my consumer report without my permission. I understand that a chargeoff according to 7 CFR 1956.54 is the writing off of a debt and termination of collection activity without release of personal liability. 

I am also aware that once an account is charged off by your company I should have received a 1099-C from the IRS by XX/XX/XXXX of the following year which belongs as gross income to someone ( me or your company ) according to 26 U.S.C. 61. However, I can state that as of today XX/XX/2022, I have not received NO such item from the IRS. If your company has sent me a 1099-C please show me proof that your company has by sending me a tracking number or a copy of the return receipt with my wet signature showing that I received a 1099C or a notice of receiving one. Please show me PROOF that your company did not commit aggravated identity theft or proof that you did not write this account off by showing me an audit trail as well as your accounting books which is my right as a consumer. If your company filed a 1099C, and you are still trying to collect on this account according to the IRS, you can be reported for fraudulent financial gain. Your company has continued to be willfully negligent throughout the years, and you have YET to respond to me with the items I request. This is my last time requesting your company to send me PROOF that your company did not commit tax fraud, and not furnishing false and misleading information on my consumer reports.

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 2022-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I had a dispute with Ally Financial  in XXXX regarding a consumer auto lease. The amounts were not collectible since they were not properly due and at this point, the limitations period for collections has long expired. Unknown to me, back in XXXX Ally filed Form 1099C with Internal Revenue alleging that I was responsible for forgiveness of indebtedness income, when in fact, the amounts were not reportable since they did not involve principal sums as required under Treas Reg 1.6050P-1 ( d ). When Ally filed with IRS, they failed to send a copy to me. I first became aware of the false filing in early XX/XX/XXXX and at that point, I sent Ally a letter requesting that they withdraw the filing. They ignored 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 2022-04-05 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2020 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I did a Quitclaim deed on my old property and its showing up on my credit report as Derogatory and shows a XXXX  XXXX. I didnt do this XXXX  XXXX and I did mail a letter to the mortgage company. Its hurting my chances to buy a home.

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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was charged an overdraft fee of {XXXX} on XX/XX/XXXX for an XX/XX/XXXX PENDING transaction. Called bank and waited 30 min, did not get my money back.

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 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I purchased my home in XXXX XXXX. In the past 5 years my mortgage loan have been sold to XXXX XXXX, XXXX XXXX, and now PNC Bank. In each of those my I escrow there has been a shortage which I have paid to dessolve up front to keep my mortgage rate at a minimum. I am a veteran of the XXXX with over XXXX percent XXXX paid by the va at XXXX percent. I also have my homestead reduction. In discussing the matter with these institutions I have had to provide the information to know avail. In this new transfer again from loan care to PNC Bank again there is again a shortage. I find it is abuse of power and insulting. My mortgage is transfer constantly and in the process increasing it even after paying the shortage my loan does not decrease instead the source or bank claim a shortage taking my mortgage payment up even though the shortage is paid on the escrow. I feel like am in slave by these banks and their process to sale the account and their evaluation without anyone to monitor there process. I asked that you help me. P.S. I refinanced in XXXX no equity was giving to me and I dont see how my mortgage is rising again putting affecting my living conditions. Help me with this abuse of financial responsibility. They are abusive.

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 2022-04-05 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2022-04-05 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: Southwest Recovery Services, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Southwest Recovery Ser. for committing identity theft. I have never given Southwest Recovery Ser. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Southwest Recovery Ser. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Southwest Recovery Ser. continues its collection efforts, I will file for litigation for actual damages caused and Southwest Recovery Ser. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
This company listed a fraudulent collection on my credit report. It did not notify me in writing of the account prior to it being listed on my credit report. My address is XXXX XXXX XXXX, XXXX, AL XXXX. I spoke with someone who said they had sent out a correspondence, but I never received one. The company is stating that I owe {$160.00} for services I didn't receive. I want this account permanently removed from my credit file and if the company has any additional information or correspondences that need to be sent to me they should be sent to the above address. This is not my account and a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: AES/PHEAA
State: FL

Complaint narrative:
My loans were recently updated with the PSLF waiver but my " ineligible payment '' count was not updated on my consolidation loans. The ineligible count on my other loans is 24 and the ineligible count on my consolidated loans is still XXXX.

Also, submitted a in school deferment waiver and the months from XXXXXXXX XXXX XXXX have not been added anywhere to my account even though I have a ECF on file covering that timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2022-04-05 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2020 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-04-05 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2020 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-04-05 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: TX

Complaint narrative:
Equifax refuses to comply with my demands. They continue to violate my consumer right. 
I have made complaint after complaint just for them not to comply. I have being continuously violated by equifax. i am demanding them to stop infringement and discriminations as well as identify theft and follow laws as they state. i will start to seek further litigation for the violation of consumer rights. repeatedly breaking the law. my demand need to be met immediately. They are keeping bad information on my report demeaning me unworthy or credit or a home. They are using their status to discriminate towards me and keep me on the lower levels or credit worthiness LAWS TO SEE : according to 15 U.S. Code 1666B it's a billing error. Also, if a finance charge were included it shouldn't be no late payments 15 U.S. Code 1605 ( a ) finance charge because that's the sum of all charges so you can't penalize me for something paid in full. 

15 U.S. Code 1681e ( b ) which is maximum possible accuracy.

DEMANDING inquires and collections as well as late payment need to be removed... 


Collections remove!!! 

( 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNTS REMOVE NOW!!! 

XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX Closed  Closed XXXX XXXX Closed Closed XXXX XXXX XXXX XXXX Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: AR

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Greetings, I am a business owner with a bank account at Bank Of America. As a car dealership our business is to provide vehicles to auctions, retail customers & wholesalers such as XXXX or XXXX XXXX. 

Ive been a customer with Bank of America sadly for over 15 years and within this business account have deposited over 7-8 checks. My most recent deposit was a payment issued by a major company for a sum of 17,500. The bank told me upon deposit that the funds will be made available in parts within two day & four day intervals. After about 24 hours a hold was placed by the bank because of fraud verification & the funds wouldnt be released for 11 more days.

This has caused issues with employees that need to be paid and vendors that need to repaid for their credit line on vehicles. Bank of America has routinely placed these verifications on customers of my kind in order to put us out of business. When speaking to the bank the only solution they offer is to wait for the extra verification process to be done and shut down my account if I dont appreciate the extra restrictions put on me as a customer. It is impossible to operate as a business if there is a 11 day hold on every sale and every bit of funds that we receive. On top of this we incur bank, vendor, & business fees doe late payments to everyone else. I will be shutting business down thanks to Bank of America as I can not survive labor lawsuits & employee non payment in my state.

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