vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against BANK OF AMERICA CORP ( BOA ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the XXXX copy A, BOA has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting BOA directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that BOA promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX and the other two credit bureaus show a XXXX  student loan on my report that has been transferred to XXXX from Dept of EDXXXX XXXX However, the credit report still reports that the account is still under the Dept of EdXXXX XXXX. The account has been transferred to XXXX since XX/XX/2023 and should be paid in full. XXXX states that the information listed on the account is correct, which shows the balance of {$19000.00}. However, when I contacted XXXX, they said the account balance was XXXX. Additionally, XXXX, who is the new servicer, doesnt show up at all on any of the XXXX bureaus, and after contacting XXXX XXXX they stated that the last time they reported was on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX and the other XXXX credit bureaus show a XXXX student loan on my report that has been transferred to XXXX from Dept of EDXXXX XXXX However, the credit report still reports that the account is still under the Dept of EdXXXX XXXX. The account has been transferred to XXXX since XX/XX/2023 and should be paid in full. XXXX states that the information listed on the account is correct, which shows the balance of {$19000.00}. However, when I contacted XXXX, they said the account balance was XXXX. Additionally, XXXX, who is the new servicer, doesnt show up at all on any of the XXXX bureaus, and after contacting XXXX XXXX they stated that the last time they reported was on XX/XX/XXXXXXXX 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 2023-12-08 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed some unauthorized hard inquiries made to my credit report. I did not give permission to anyone to run 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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Deposited a physical check in person at Chase branch. Account on hold for 10 days while they verify the issuer of check. Check still has not been verified after 16 months. Get same information each time I call, Chase says the will just call and verify with the issuer of check, they never verify it. I dont think I will ever receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have been a victim of identity theft for a number of years now. I cant seem to stop the activity. It has gotten very aggressive in XXXX. They accessed a website service I use and used my debit card on file to deposit funds until my bank account emptied, and then withdrew the funds to an outside account that was not mine. So the money is currently gone. The bank claimed they investigated but closed the investigation and did not retrieve and return my money. It was {$5400.00}. This is absolutely insane.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXXnformation Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in XXXX XXXX Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
XXXX XXXX  said I owed for donations I made through XXXX XXXX -- donations that were actually made to be paid by XXXX XXXX XXXX. I never asked or received any membership in XXXX XXXX. When I asked the bank for specific amounts paid by them as my donations they did not do so, only repeating that amount owed to them, which kept increasing with penalties and interest. Now I am getting phone calls and letters from Firstsource Advantage with the debt in their latest letter of XX/XX/2023 that demands {$530.00}. Eight months ago I sent a registered lettering to Firstsource Advantage giving the details of why I do not owe them or anyone else this amount -- Firstsource Advantage never responded. Their letter today is the same as the one sent eight months ago even to the amount demanded. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not tolerate attacks upon my person in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have tried numerous times to make payments to pay off my loan. They were unwilling to negotiate and have rejected my payments on several occasions

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Upon paying my credit card off that Ive had with capital one for a year now once I made a payment the payment was posted and withdrawn from my personal checking account for {$160.00} as well as {$150.00}. This payment was posted from capital one to XXXX XXXX XXXX XXXX. On XX/XX/XXXX  I went to a branch to speak to a teller which referred me to a representative who then told me she had no information on my account was closed and she was not allowed to provide any response on a refund or reimbursement of the payments that were taken from my checking account. Ive had this account for 1year now and Ive never in my entire lifetime missed a payment or a bill Ive even paid this bill weeks in advance of its due date just for them to try to steal my money and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am currently rewriting my complaint with EQUIFAX concerning inaccuracies in the information on my accounts. Despite sending a letter requesting an investigation into the mentioned accounts, the process took over 30 days to complete. EQUIFAX claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Protas, Spivok & Collins. LLC
State: VA

Complaint narrative:
I received a letter today. First response ever from this company. 
Protas, Spivok & Collins in regards to an account / debt with XXXX XXXXXXXX XXXX XXXX XXXX Debt Section XXXX XXXXXXXX XXXX  Never heard of them. Never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was reviewing my credit reports and found multiple accounts with conflicting information between the XXXX credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( 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 ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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 : I have attached a copy of my ID for identity verification and a bill for address verification. 

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 2023-12-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
There was a XXXX booked on XX/XX/2023 by someone other than myself using my debit card without my permission. The total was {$3600.00}. The booking was canceled on XX/XX/2023. The owner stated there were no refunds. I contacted XXXX to fix this, to which they said it was up to the owner 's discretion. They gave me the owner 's contact number to resolve. The owner stated he deserved the full amount for taking his property off the XXXX platform for XXXX hours. I explained it was not me who booked it and I could not afford to give him that much money for services not rendered. He refunded {$1300.00} and stated he would keep the rest of my money ( {$2300.00} ). I then filed a claim with my bank, Wells Fargo, who temporarily refunded {$2200.00}. They then concluded on XX/XX/2023, that I did give permission for this transaction and {$2200.00} was withdrawn again.

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 2023-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have submitted a loss mitigation file for a loan modification. I have more then enough income to qualify and all proof has been sent. On XX/XX/XXXX I was told that my file was a full file in review and the foreclosure sale is on hold and was told to check in every 7-10 days. On XX/XX/XXXX I called and the system is down. Mr Cooper/Rushmore Servicing was hacked, automated system said call back. I tried to call back for 2 weeks. Then on XX/XX/XXXX XXXX XXXX XXXX told me that the modification was denied and as of XX/XX/XXXX they were missing HOA monthly statement then him and his supervisor said send in the HOA statement ( which was sent while on the phone ) and they will get the file opened & get the sale placed on hold since its noted on XX/XX/20 I was told its a full file. On XXXX XXXX the file was escalated to management to be opened and on XX/XX/XXXX the file was denied due to the foreclosure being within 37 days. I asked to be transferred to XXXX but the other reps bounced me around with no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
5 years ago I opened a personal account with PNC Bank. I used this account for a solid 2 years and out of the blue PNC closed my accounts and sent me a check in the mail. I called them and they advised they had the right to close my account without a reason. Ever since that happened I have not been able to get approved for a checking account anywhere. I have called many times and they always advise that they don't have to provide me any information relating to the account or to why I am getting denied a account. 
Over the last two weeks I worked with PNC bank XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and she was helping me to open XXXX business accounts for my company XXXX XXXX XXXX. After a 3 hour meeting with XXXX this week she was able to open the accounts. The next day those accounts were closed by PNC. I then called customer service and they advised me that I would need to see XXXX the bank XXXX to explain what is going on. I now have been emailing XXXX for XXXX days back and forth and she has advised me that I need to transfer all my businesses to my husbands name so he can open an account with them. I asked why and what is going on to make PNC not let me open an account with them via XXXX or XXXX. She is unable to provide any information about the denial. My concerns are did PNC open a extra account in my name to boost numbers and that account was used by a worker and was closed and this is why I cant get accounts with PNC or any other bank? Or is it based on my heritage that I am part XXXX? I just want a clear answer to what is going on to cause all of this. I never had any issues with banks until I had a PNC account. I am worried that PNC has maybe leaked my information or ruined my changes with ever getting a bank account now. I never had any charge off accounts or anything negative. Please advise on what I should do and if I should pursue legal help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have two cards with CapitalOne, and I made a {$150.00} payment and {$25.00} to each card. I just saw a past due fee on my card, XXXX, and I called in to get the past due fee waived. I was advised the {$25.00} payment was returned, and I paid it, but CapitalOne refused to waive the late fee. They blamed it on their system and showed no compassion when I told them I had lost my brother and I had a good record of payment. I spoke with XXXX, the account manager. I even asked if a customer has a lot going on and if there should be a way you can help.

Company response to consumer: Closed with monetary relief