vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with t
his matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and found some errors in the reporting of XXXX XXXX XXXX XXXX XXXX. You are reporting information about me that is inaccurate. All the three credit bureaus are reporting different balances and payment information. This account has not been properly verified. Delete the following account immediately for failing to comply with the FCRA : XXXX XXXX XXXX - XXXX Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Evans & Mullinix, PA
State: MO

Complaint narrative:
Due to extreme inflation, not being paid XXXX XXXX in child support and tax law changed which greatly affect my refunds for the last 2 years, I was unable to continue paying credit cards. This allowed XXXX  XXXX XXXX to send Its Lawyers, Evan and Mullinix, after me in court. I live in XXXX XXXX, Mo and they are located in XXXX XXXXXXXX XXXX I believe I originally opened the account online but I did shop in store. All items were delivered to my residence in Missouri. They won in court uncontested XX/XX/23 as I only had 4 days notice when they taped the service to my front door. I could not afford any payments as I am behind on my mortgage. I am a single parent and live paycheck to paycheck. I notified the law office of this fact. The Kansas court then approved a garnishment of my XXXX   XXXX  XXXX XXXX account on XX/XX/23 and was garnished on XX/XX/23. 
There are several issues with this. Kansas can not issue a garnishment of Missouri property. Kansas Supreme Court has ruled that wages are still wages in a bank account. I had notified the law firm of my money status and they still went after my account. They have been notified in court of the status and refuse to release. Lawyer had admitted he was still liable to only 25 % but I pointed out that in Missouri it is only 10 % due to head of household and hardship and that the wages were from before his order was granted. The judge immediately granted a court date. I believe this law firm is preying on the poor and unfortunate by circumventing the spirit of the wage garnishment laws in ways that require lawyers who they can not afford or else they would have just paid their bills originally. 
On XX/XX/23 I contacted XXXX  XXXX XXXX and informed them that they can not withhold the money for an out of state order as I live in Missouri, the bank account is a Missouri account and was opened as such. I explained that they already was fined for this prior. I waited on hold for a long while as they referred with the legal dept. All they would say is they believed it a lawful order. They also denied holding the funds and said the lawyer had it till I confronted them. The rep checked with legal again and admitted they were still holding. I am also on workers comp from a recent accident and wanted to be able to protect my ungarnishable workers comp payments and they said they can not protect them and they could be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On the date of XXXX I received a letter in the mail stating that I had opened a checking account with the Bank Of America and the it was overdrawn by XXXX and that also I wrote a check to universal XXXX XXXX  XXXX for XXXX that was located in XXXX I never ever opened up and account with this bank nore did I write a check to this company I live in XXXX never been to XXXX so I reached out to the bank and they said they where going to look into it but I never received anything about it I dont know how was a bank account opened in my name when I never been to the bank I would really appreciate it if I could get some help with this situation thank you

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the information I recently discovered on my XXXX XXXX account. It has come to my attention that XXXX XXXX XXXX is reporting on my Experian credit report, and despite my attempts to reach out to XXXX, I have not received any response or resolution regarding this matter. 

Upon reviewing my XXXX XXXX account on XX/XX/2023, I noticed the presence of XXXX XXXX XXXX as a reported account on my Experian credit report. I was taken by surprise as I have no knowledge of any business or financial transactions with XXXX XXXX XXXX. The reporting of this account is not only inaccurate but has the potential to negatively impact my creditworthiness and financial standing. 

To address this issue, I promptly contacted Experian via phone on XX/XX/2023, to dispute the reported account and seek further information and clarification. However, to my dismay, I have not received any response or acknowledgment from Experian regarding my dispute. The lack of communication and resolution from Experian is highly concerning and has left me in a state of uncertainty and frustration. 

I am reaching out to the Consumer Financial Protection Bureau to request your intervention and assistance in this matter. I kindly request that you investigate this dispute between myself, Experian, and XXXX XXXX XXXX to ensure that the reporting is accurate and to rectify any potential errors or misinformation that may be present on my credit report. 

Enclosed with this letter, please find copies of relevant documents, including my XXXX XXXX account information reflecting the reported account from XXXX XXXX XXXX I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation and work diligently to resolve this matter. It is of utmost importance to me that the accuracy of my credit report is upheld and that any incorrect information is rectified promptly. 

I kindly request that you keep me informed about the progress of this complaint and provide me with updates regarding any actions taken or resolutions reached. 

Thank you for your attention to this complaint. I appreciate your efforts in ensuring fair and accurate credit reporting for consumers.

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 2023-07-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has a {$65.00} new collection from XXXX. I cancelled XXXX which was paid a month in advance. They billed me again -- autopay. I challenged the charge through my bank, XXXX XXXX XXXX, and they communicated with XXXX. XXXX did not respond, and XXXX reversed the charge. XXXX then sold the " collection '' to XXXX XXXX XXXX. I communicated in writing at least twice with XXXX XXXXy, and they don't remove it. I tried to challenge it on Experian 's site, but they would not let me do it online. I had to call their XXXX number. I did, waited for XXXX minutes, then Experian said they couldn't handle the call now, and to call back later, but if it was an emergency, I could hold on. I held on for XXXX minutes listening to them trying to sell me their products. Finally a person came on the line, her mic wasn't working ( or maybe she wasn't working ) or maybe she was XXXX way around the world, but she heard me, then didn't, then I heard her and then couldn't. She finally said, " hanging up for training and quality purposes. '' Experian OWNS MY IDENTITY!! THEY CAN SLANDER ME, AND THERE IS NO REPERCUSSION. THEY CAN MAKE UP AN ALGORHYTHM TO DEFINE ME AND HAVE NO OBLIGATION TO EXPLAIN IT. I HAVE NO RECOURSE TO GET THEM TO RESPOND TO COMPLAINTS. THEY SHOULD BE OUT OF BUSINESS.

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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/2023 XXXX XXXX and myself XXXX XXXX submitted an Assumption Loan Application with PennyMac which is my daughter 's Mortgage Company. My daughter is no longer going to marry the other half owner. Thus, I am was in the process of assuming the ex-fiance part of the existing loan. 
Today, XX/XX/2023, Wednesday at XXXXXXXX XXXX we were denied the Assumption Loan. XXXX XXXX from Pennymac informed us that we were denied the Assumption Loan because our debt ration was at XXXX XXXX. The required assumption debt/ratio is XXXX XXXX. When I asked show me the numbers exactly how that XXXX XXXX debt ratio was arrived to no avail, XXXX XXXX said he could not give me the numbers nor the procedure as to how the XXXX XXXX debt ratio was arrived. 
I asked for Pennymac to send me in writing how they arrived at the XXXX XXXX ratio. 
XXXX and I were approved for a {$420000.00} loan just XXXX weeks prior with another Mortgage Company. Our debt/ration was a XXXX XXXX At an interest rate of 6 %. PennyMac 's decision seems biased based on the fact that my daughter is financially in better standing since her and her exfiance purchased the condo. I am in excellent standing with a credit score of XXXX, my daughter 's credit score is XXXX. The headquarters to PennyMac Assumption Department phone number is XXXX XXXX XXXX XXXX is the Supervisor that I talked to on Monday after nobody would answer several phone calls and emails. XXXX XXXX 's email is : XXXX Please assist my daughter and I on identifying why were denied an Assumption Loan with numbers used to calculate our Debt/ratio. Lastly, I feel we're being discriminated against to due to our gender and XXXX  surname!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Last year, some month in 2022, the company that I work ( XXXX XXXX  XXXX, did not make an automatic deposit to my checking account in Bank of America. 

I explained that it was an error on the companys part and that it would take another two weeks for the company to pay. In the meantime, I had automatic deductions that were coming so I informed because I didnt want to incur overdraft charges. 

The banks representative said that I still would incur charges and that I should get proof from my company of the error on their part. I received a check voucher indicating the past earnings not received and submitted to BOA. BOA credit me for some of the charges. 

Also, there have been times where the bank would pay transactions over the amount of the funds available but at other times BOA would decline and fees would be charged regardless. 

There was never any type of disclosure mentioned or written that would indicate how it would be determined to pay or not to pay then assess fees. 

I do apologize for not being able to provide specific dates and times. I did not think to acquire paperwork at that time. 

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 monetary relief
Consumer complaint received 2023-07-12 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: FL

Complaint narrative:
this matter must be resolved asap. these items are on my report due to identity theft/fraud. per 15 usc 1681b you all are breaking the law by furnishing this information without my permission.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NC

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/2023, I received a letter from Bank of America with an attached ATM card for a new banking account open under my name. I never opened, nor did I give anybody permission to open an account with Bank of America on my behalf. 
I tried to contact Bank of America customer services and called every phone number provided on the letter as well as on the Bank of America web site. I was never able to talk to anyone. I walked into an agency, but the personnel told me to contact the Customer Service. 
I then addressed a letter requesting an explanation as of how this account was opened, which I mailed to the Customer Service address indicated on the front page of the Bank of America statement. I never received any response. 
Later that month, I received another letter informing me of Bank of America 's decision to close the account because they were not able to verify my identity. I then tried again to contact the Customer Service but was still unable to talk to anyone who could explain what was happening. 
Despite the account being closed, I continued receiving statements from Bank of America until XX/XX/2023. I tried again to contact them - no results. 
I then contacted a financial attorney 's office, where I was told that it might be the result of an identity theft. Since I was not able to talk to anybody at Bank of America, I can not establish whether this is the case. 
I then called the XXXX XXXX XXXX where the agent told me to contact the Consumer Financial Protection Bureau.

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 2023-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX a legal order was taken out of my account for XXXX from checking and XXXX from savings. I called multiple times to Fraud and legal department they said it was a garnishment and would send me the copy called XX/XX/XXXX, XXXX never sent the documents. Was told a number that did not work to call. I was told by legal department I only had one garnishment. This caused checks to get rejected and fees applied to my account. 

On XX/XX/XXXX another legal fee was taken and garnished in the amount of XXXX these funds came from back ordered XXXX XXXX XXXX of Michigan. A child daycare check written when the money was in got bounced and fees from both boa and the childcare were charged to me. I called and was on hold for over XXXX on multiple days XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX no answers no copy of the garnishment and they said child support can be garnished in the state of Michigan. 

The {$200.00} sign on bonus was never given. 

A legal notice written only from boa with the date of XX/XX/XXXX is attached yet funds were take XXXX XXXX and XX/XX/XXXX. The amount that the written order Is {$3400.00} however they took at least {$4300.00}.

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 explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: CL Holdings LLC
State: FL

Complaint narrative:
THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I received an email from Bank of America on XX/XX/XXXX stating that I was approved for a credit card that I never even applied for. I then received a text on XX/XX/XXXX stating that my application had been approved and my card would be sent out shortly. Today ( XX/XX/XXXX ) I got an email again from Bank of America stating that my credit card would be sent to my home. At no time did I ever inquire or apply for this Bank of America credit card. I will follow up with the company as well regarding this issue. I am concerned because I have heard recently in the news that Bank of America has been in trouble for doing this to other consumers.

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 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I recently pulled my credit report to find that LVNV Funding is listed as a collection with all 3 bureaus and has been reporting this debt since XX/XX/2021. I haven't received any paperwork or phone calls from this company regarding any balance owed or to advise of what this debt is for. This was placed on my credit reports without notification and has been there for over two years ruining my score when I was not made aware of the debt.

Company response to consumer: Closed with explanation