vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am involved with the Bank Of America opening accounts issue. I was never a client of bank of america ever but i did get a bank card and a checking account information. ALthough i have tried numerous times to speak to a rep about this issue i continue to get disconnected and never get a person. I am continuing to get bank statements with this service fee that is adding up. What do I do to get my settlement.

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: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Last Friday I contacted NAVY FEDERAL BANK about suspicious activities on my account. XXXX representative accused me of lying and she then closed my account because she knew my Social Security check would be deposited today I called before today and was told I could still access my money today only to discover thats untrue.. I had my daughter to drag my partially paralyzed body to the bank.. they said my I.D was expired.. so we then obtained a new ID Card went back to the bank.. only for them to tell my daughter because I have issues speaking they refused to help me and is not releasing my Social Security check.. its not their right to withhold my money especially since I complied with everything they requested its discrimination because Im sick and its awful NAVY FEDERAL HOLDS YOUR SOCIAL SECURITY CHECK BEWARE XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
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: 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: MA

Complaint narrative:
My credit report at TransUnion had a bad address and a bad telephone number for me ( both because of typos ). I successfully initiated a dispute to remove both. Within seconds of opening the dispute I received email claiming that the dispute was resolved and offering a limit for me to view the results online. I viewed the results, and they showed that the bad address was removed from my report, but they said nothing about the phone number ; it was impossible for me to tell whether this was because the displayed results were incomplete ( i.e., the phone number was removed but the results didn't show that ) or the handling of the dispute was incomplete ( i.e., they removed the address but not the phone number ). I then had to waste 20 minutes on a live chat with an agent who spoke bad English, at the end of which they claimed they couldn't find the bad phone number on my report, thus suggesting that the dispute was properly processed but the displayed results were incomplete. This a stupid, basic mistake. They should fix it. 

While writing this CFPB complaint I encountered a second issue. I logged into my TransUnion account using the link in the dispute results email to view the results again so I could provide additional details for this complaint, and their web site now refuses to show me the dispute results. It says instead, " Looks like we cant access your open dispute status right now. Please try again later. ''

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: NY

Complaint narrative:
There is a derogatory account on my report that should not be there from XXXX XXXX XXXX  XX/XX/22. That information is inaccurate. I spoke to XXXX XXXX when this situation first occurred, and they agreed to contact the bureaus and remove the 30-day late payment. they contacted you remove it right after I was notified of the negative remark. the next month my points came back, and I was happy, but the bureaus never removed the remarks. please remove these remarks so that I can try to purchase my dream home, I don't want these remarks to negatively affect the image of my credit worthiness

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 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: Experian Information Solutions Inc.
State: OH

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 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: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Recovery Services, Inc.
State: AL

Complaint narrative:
I am repeatedly receiving mail from various companies such as this one for a person who no longer lives at this address. I have sent back mail as return to sender no longer at address but still receiving mail for this person. I would like this to stop and please contact this person at their address and not this one as this person no longer lives here and has not for some time now. 
Address sent to is XXXX XXXX XXXX XXXX, XXXX Al XXXX, for a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted the credit bureaus to remove incorrect name, addresses, phone and to correct date of birth with no success. Some of these are connected to an ex-spouse that was not on any accounts with. There are also names and address that I have never used that are on my credit reports. My name changed in XXXX and I still can't get them to update it correctly. All of my creditors have the correct information on file and say they report it correctly. I have provided proof of my personal information with no success. This has been done several times in the past but the most recent was XX/XX/XXXX. 

The following should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2023 two fraudulent checks in the amount of {$830.00} each were allegedly deposited into my account from written from XXXX building company. The funds were never in my account yet Wells Fargo debited my account for the amount putting my account negative {$1600.00}. I cant access any of my deposits and no one is fixing the problem. I received copies of the fraudulent checks in the mail.

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: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
After 45 days and over 15 phone calls talking to almost 20 people at US Bank Mortgage I am no closer to getting resolution to an issue that US Bank has said multiple times is an issue that they caused. US Bank has not followed up as they have stated they would multiple times and has lied and misled me. 

US Bank for no explained reason incorrectly updated my tax bill requirements causing me to have a significant Escrow shortage. US Bank incorrectly marked that my country sanitation tax was over {$4000.00} dollars when in fact it is only {$34.00} dollars annually. They also made adjustments to the amount of tax owed to both the county and city for 2023 even though 2023 tax bills HAVE NOT even been issued by XXXX XXXX. 

In my many conversations, almost every agent has said that this was clearly an error by US Bank but could not give an answer on how it happened or a commitment to fix the issue. Everyone said they would follow up and resolve the issue. The sanitation tax issue was finally resolved after multiple escalations and a " manager '' simply moving the amount back to {$34.00}. The issue with the other tax amounts being updated still has not been resolved. 

Multiple agents and representatives told me to NOT make the payment starting in XXXX that was almost {$800.00} more a month due to this error. They said it would be best to have the issue be resolved and to not worry about any late payments or credit reporting as the account was in a certain status that it would not happen. Well no surprise I got a late fee. I was worried about the account showing more than XXXX days past due as no one was following up and the resolution date kept getting moved so I sent through my bank the payment amount that we have always made. I also did the same for the XXXX payment. 

The account is still showing a late fee, the tax issues have not been resolved, and the escrow is still wrong given the errors. 

The way I have been treated, lied to, ignored, and not followed up with is criminal and I believe a violation of the UDAAP. 

Even today I got transferred around several times and told that the late fee is my issue and I should have paid even though they have on recording that I was told not to.

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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
On XX/XX/2023, I sent a debt validation letter to the debt collection company via USPS certified mail. I have proof that the letter was received by the company 's secretary at the front desk on XX/XX/2023. The tracking number for the USPS certified mail receipt is XXXX. 

The letter requested validation of an alleged debt that the company claims I owe. This request was made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

However, as of today 's date, more than 30 days have passed since the letter was received by the company, and I have not received any response or validation of the alleged debt. This lack of response is in violation of the FDCPA, which requires debt collectors to validate debts upon request within a 30-day period.

Due to the company 's non-compliance, I am being unjustly subjected to the negative impacts of an unverified debt, including potential harm to my credit score. I intend to pursue this matter until my rights under the FDCPA are upheld and the situation is rectified. The amount of the debt is {$980.00} and account number XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023 I received a phone call from XXXX with XXXX XXXX. He called me from XXXX. He said he was calling on behalf of XXXX XXXX XXXX to confirm my information so they could serve me with a legal document. XXXX gave me the number XXXX to contact XXXX XXXX XXXX. I decided to call the XXXX back and a XXXX XXXX answered the phone saying " XXXX XXXX XXXX. '' I was confused and told him I just received a call from this number and the person XXXX said he was with XXXX XXXX and now it's XXXX XXXX XXXX. 

I continued to have a conversation with XXXX XXXX and he informed me that XXXX XXXX XXXX is a law firm located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA and is representing a credit card company I owe a debt to. I ask him to mail me the information regarding this debt and he said they already did. I told him I didn't receive anything in the mail and asked how it was sent, He said by regular mail. I asked again if they would send me the information because I had not received anything from them and he again refused. I asked him how can I even address this if I have no information and he then said I will have all the information I need once we get to court. He said a judgement will be placed against me and funds can be seized from my bank account and property can also be seized to satisfy the debt. 

I have researched this company, XXXX XXXX XXXX, online and can't find anything about them. Please help me with getting information from this company about a debt they say I owe.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: 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: 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 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 purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XX/XX/23 I was billed on my Wells Fargo credit card {$19000.00}. I have a credit limit of {$10000.00} plus {$2500.00} cash back. I did not giver permission for Well Fargo to charge over my credit limit or use my cash back or was I aware of it until I received my statement. I called to speak to a representative on XX/XX/23 about reversing the difference back to the company that charged my card and she just said that Wells Fargo could charge any amount over your credit limit they want to. Now I have fees and charges I can not afford and my credit score has gone down.I told the representative that I was going to complain to the CFPB she ask me if I wanted to be transfer over to Wells Fargo Advocate.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Today, the Consumer Financial Protection Bureau ( CFPB ) ordered Bank of America to pay more than {$100.00} XXXX to customers for systematically double-dipping on fees imposed on customers with insufficient funds in their account, withholding reward bonuses explicitly promised to credit card customers, and misappropriating sensitive personal information to open accounts without customer knowledge or authorization. The Office of the Comptroller of the Currency ( OCC ) also found that the banks double-dipping on fees was illegal. Bank of America will pay a total of {$90.00} XXXX in penalties to the CFPB and {$60.00} XXXX in penalties to the OCC. 

Bank of America wrongfully withheld credit card rewards, double-dipped on fees, and opened accounts without consent, said CFPB Director Rohit Chopra . These practices are illegal and undermine customer trust. The CFPB will be putting an end to these practices across the banking system.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been trying to dispute this inconsistent off my Equifax report I have contacted these agency on several attempts and have been unsuccessful in results. I have contacted Equifax on this matter on XX/XX/23 and investigation was completed XX/XX/23. I launched a re-investigation XX/XX/23 and it was completed by XX/XX/23. 

>>> The information you disputed has been received. The results are : THESE ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE SEVEN YEARS FROM THE REPORTED DATE OF THE INQUIRY.

Company response to consumer: Closed with non-monetary relief