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 XXXX 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 this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence DEPT OF ED/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 DEPT OF ED/XXXX  Account Number : 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. 


Sincerely, XXXX XXXX XXXX

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: MI

Complaint narrative:
XXXX XXXX needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan According to multiple Government reporting agencies, XXXX XXXX XXXX XXXX is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state. 

XXXX XXXX needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan According to multiple Government reporting agencies, XXXX XXXX XXXX XXXX is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state. 

XXXX XXXX  needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is a debt collection company that is trying to collect a debt that is not owed to them. I have asked for the entire purchase agreement that validates this debt and they have refused to provide it to me. The company lists a balance due on my credit report, when in fact according to the FCRA laws, no balances should show on a collection account, nor should it be listed as an open and active account.

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 — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We were contacted by our Merchant Service Provider on XX/XX/2022 that our company had been report to a system called " XXXX XXXX XXXX '' for excessive chargebacks by Bank of America. 
I tried to contact Bank of America for days and finally spoke to someone who told me to call the local branch and file a complaint. I called the local branch and made an apt . and meet on XX/XX/XXXX with XXXX XXXX, Financial Center Manager XXXX. HE told us that someone opened an account over the phone with our name and FEIN number ; all other info was fraudulent. He filed a BOA Fraud Claim # XXXX and told me we had to wait to hear something, but it could be up to 90 days before they review it. 
I received a generic email from XXXX XXXX XXXXXXXX on XXXX XXXX, requesting we fill out a packet and send it back. I filled it out and sent it back. 
I spoke to our Merchant Services Account representative XXXX XXXX whom has tried to get our account turned back on, however until Bank of America removes the " fraud '' alert from " match '' we will not be able to have a Merchant Services Account. We used this account to run credit cards for customers, and other than checks this is the only other form of payment we accept. 
It doesn't seem right that Bank of America opened a Merchant Services Account for someone over the phone with only our FEIN number and NO other identification. 
They did finally say we were not at fault but did not offer to repay for any damage done to us from not being able to accept merchant service transactions and have customers pay. 
I saw there is a ruling regarding Bank of America and things they have done to customers and I believe we fit these charges.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX I called Spring Oaks Capital about a debt from an XXXX card from 2019. The rep said I couldn't get detailed information on the account because I just submitted a dispute. Then I called today and asked for account information ( billing statements ) and was told I could receive them only if I submitted a dispute and that if I pulled the dispute I wouldn't be able to access that information. 

I read on your website that debt collectors are required to provide validation information. I spoke to a supervisor today ( operations manager last name XXXX ) who said the only way I can receive VI is to continue with the dispute. I believe this is illegal and she was stonewalling.

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 — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/2023 - Payment made for XXXX XXXX account for {$1800.00} but I had insufficient funds, my paycheck didnt post for another few hours. 
XX/XX/2023 - I receive direct deposit paycheck and my bank account has more than enough to cover funds. The {$1800.00} is returned, I call XXXX XXXX and they advise me to make another payment because the {$1800.00} will not re-attempt. I have enough funds, and send a payment of {$1700.00} to XXXX XXXX. 
XX/XX/2023 - Both payments of {$1800.00} and {$1700.00} are billed to my checking Account. I am overdrafted, and my XXXX XXXX card is not working and my Bank of America debit card is not working, despite my Bank of America saying they cleared the {$1800.00}. 
XX/XX/2023 - I contact Bank of America and XXXX XXXX to resolve. Bank of America opens a fraud investigation, and told me it will take 40 days to research. XXXX XXXX told me they can not do a stop payment, and will reattempt to draw the funds 3 times. 
XX/XX/2023 - I am still overdrafted despite having around {$1200.00} in my bank account in reality. I contacted XXXX XXXX again for a stop payment request, and they say they need an electronic letter from Bank of America. I contacted Bank of America for a an electronic letter they can send to XXXX XXXX, or a way to stop the auto draft, but they will not stop the auto draft. 
Consumer banking, my money would have been safer underneath my mattress.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My checking account showed a available balance of {$200.00} and I checked everything and all of my debits had gone through and everything was as it should be so I thought that I got a refund from a credit card company that said they were refunding money for a fee I paid in XXXX. So I paid my credit card connected with Truist {$27.00} dollars because there was money in my account and then the next day there was no money in my account and my bank charged me an NSF fee so I want to know why they keep doing this to me. They show that my account has money and its still is in there 2 days later so I assume that I have money in my account they let me make charges and then they charge me an NSF fee and the money I thought I had in my account magically disappears. I feel that this is a scam and I feel this should be illegal. They are doing this to deliberately cause people to incur NSF fees and I think this is outrageous and they need to be stopped because they keep doing this.

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: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
Last week at the end of XXXX, I was trying make a payment or set up a payment that works for me but Sunset finance in XXXX, ga wouldn't accept the offer I wanted which was {$50.00} a month because its more convenient for me but they threatened me also to take my stuff that I need to get a job otherwise I won't be able to make payments but anyways I'm tired of the threats the calling of family and telling my family why I haven't paid them etc. They don't suppose to do that at all. I'm very stressed out and bout to check into a XXXX XXXX  foreal

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 — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I had requested Loan modification under HAMP program in XXXX for both my mortgages with XXXX XXXX XXXX. 
XXXX  XXXX XXXX did not follow the Federal Guideline under HAMP Program and made several error at the time of modification including but not limited to : 1 ) Loan to Value On the HUD and IRS website, under HAMP, if a mortgage loan is being considered for a HAMP modification and if the ratio of the amount owed to the value of the home is greater than 115 percent, then the servicer must consider whether a Principal Reduction AlternativeSM ( PRA ) principal reduction should be effected as one part of the HAMP modification.

In the modification analysis prepared by XXXX  XXXX XXXX employee, XXXX XXXX on XX/XX/XXXX, the LTV was 147.53 % which is greater than the 115 % stated in the rule. XXXX  XXXX XXXX did not reduce the principal and in all documentation that I have this was not considered. The rule states that the servicer must consider principal reduction as one part of the modification there is no showing or indication that principal reduction was considered during my loan modification. 
2 ) Debt to income ratio On the HUD and IRS website, under HAMP, a participating loan servicer must consider a sequence of modification steps for each eligible homeowners mortgage loan until the loans monthly payment is reduced to 31 percent of the homeowners verified monthly gross ( pre-tax ) income. Sometimes, a change in the mortgage loans interest rate is sufficient to reach the 31percent target. Sometimes additional modification steps of term extension or forbearance are necessary as well. 
In the modification financial analysis the numbers provided by XXXX  XXXX XXXX calculated the Debt to income ratio at 44.68 % instead of meeting the 31 % reduction required by the HAMP guidelines.

Although they extended the term to 40 years the calculations did not arrive at the required 31 % and in that case the forbearance option should have been applied to reduce it to that number.

3 ) Failing to include the 2nd mortgage in modification.

On the HUD and IRS website, under HAMP Second Lien Modification which provides modifications and extinguishments on second liens when there has been an eligible first lien modification on the same property.

Here there was an eligible first lien modification on the property, and I was never provided with an option to extinguish or modify the second. Throughout the modification process I included the loan number for the second to have them both modified and it was never addressed. 
Real Time Resolution did not provide copies of notices of bill as requitred by law to my home address/property address. I was served with forclosure notice in XXXX of XXXX only by their attorney XXXX XXXX to my home address. 
Now my house is under foreclosure from Real Time Resolution for the 2nd Mortgage.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
I have asked Harley Davidson many times to stop calling me, they refuse and say that I have to send a certified letter to their attorney to make the calls stop. 

They call 5 times a day every day, which I believe violates the law because they are not supposed to call me more than 7 times over a 7 day period. 

In the past 4 days there is a total of 22 calls from them. They call at XXXX on Saturday and wake me up, i've asked them to stop. 

They call on different numbers. 

Please help me.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had requested Loan modification under HAMP program in XXXX for both my mortgages with Bank of America. 

Bank of America did not follow the Federal Guideline under HAMP Program and made several error at the time of modification including but not limited to : 1 ) Loan to Value On the HUD and IRS website, under HAMP, if a mortgage loan is being considered for a HAMP modification and if the ratio of the amount owed to the value of the home is greater than XXXX percent, then the servicer must consider whether a Principal Reduction AlternativeSM ( PRA ) principal reduction should be effected as one part of the HAMP modification. 

In the modification analysis prepared by Bank of America employee, XXXX XXXX on XX/XX/XXXX, the XXXX was XXXX XXXX which is greater than the XXXX XXXX  stated in the rule. Bank of America did not reduce the principal and in all documentation that I have this was not considered. The rule states that the servicer must consider principal reduction as one part of the modification there is no showing or indication that principal reduction was considered during my loan modification. 

2 ) Debt to income ratio On the HUD and IRS website, under HAMP, a participating loan servicer must consider a sequence of modification steps for each eligible homeowners mortgage loan until the loans monthly payment is reduced to XXXX percent of the homeowners verified monthly gross ( pre-tax ) income. Sometimes, a change in the mortgage loans interest rate is sufficient to reach the XXXX target. Sometimes additional modification steps of term extension or forbearance are necessary as well. 

In the modification financial analysis the numbers provided by Bank of America calculated the Debt to income ratio at 44.68 % instead of meeting the 31 % reduction required by the HAMP guidelines. Although they extended the term to 40 years the calculations did not arrive at the required XXXX XXXX and in that case the forbearance option should have been applied to reduce it to that number. 

3 ) Failing to include the 2nd mortgage in modification.

On the HUD and IRS website, under HAMP Second Lien Modification which provides modifications and extinguishments on second liens when there has been an eligible first lien modification on the same property.

Here there was an eligible first lien modification on the property, and I was never provided with an option to extinguish or modify the second. Throughout the modification process I included the loan number for the second to have them both modified and it was never addressed. 
Now my house is under foreclosure from XXXX XXXX XXXX for the 2nd Mortgage.

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