vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Navy Federal Credit Union is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. 
This is a notice sent as per the Fair Credit Reporting Act ( F.C.R.A ) 15 U.S.C. 1681A ( D ) ( 2 ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XX/XX/16 called at XXXX AM AZ TIME, called about removing late fees due to me being hospitalized they said they can not remove it for me so i escalated to a supervisor and they also said even with this circumstance they can not remove a late fee. they said they can only remove one late fee per 18 months regardless of the circumstance which i do not see as being the case for any other credit card company that helped me with my medical issues. i also stated i wanted to file a FORMAL complaint which i do not believe the supervisor did for me she did not ask what i wanted to not down or anything, she just said she '' sent it ''. i know there is a process for formal complaints that i believe the supervisor did not follow

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16 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: FL

Complaint narrative:
I have attached an FTC report with 3 fraudulent accounts along with fraudulent inquiries

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 2023-05-16 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: FL

Complaint narrative:
I have attached an FTC report with 3 fraudulent accounts along with fraudulent inquiries

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 2023-05-16 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-16 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: FL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have subside mortgage with MandT bank so payment amounts change. I notified the bank that my payment amount changed and I had be making the new payment since XXXX of XXXX. The escrow analysis was done and there was a shortage. I opted to do the 12 month payment plan on top of my new payment amount. When I spoke to the analysis department I asked for the new paperwork /statements to reflect moving forward this call took place in XXXX ( XXXX ). XXXX I made an on time payment they held it, and put XXXX, XXXX, XXXX payments in suspension as well and made it look like I had not been paying my mortgage. The floodgates open from there they made excuses on top of excuses. According to their records now I was 78 behind in my mortgage payments. I have Statements reflecting this, recorded phone calls, video of a worker coming to my home placing a notice on my door telling me to contact the bank. After they cleared that mess up they continue to call my house and hold my payments every month daily asking for the mortgage payment when it's already been paid. It's a form continue harassment for a bill that's paid and someone that's not doing there job.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

( XXXX XXXX Acct # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

( XXXX XXXX Acct # 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 2023-05-16 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: OH

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATE

D MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT
ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am also reaching out to rectify an ongoing issue that I am facing, and needed assistance on this matter. Santander Consumer USA recently reported two late payments on my account for XXXX and XXXX of 2022. However, this information is completely inaccurate. In fact, I made several payments in advance back in XXXX, which covered my payments through XXXX. Additionally, it is concerning that this reporting was made almost a year later. I have been in contact with several representatives from Santander, who all acknowledge that there is an issue, but the credit department refuses to correct their decision. Today, I spoke with another representative who agreed that this is an inaccurate reporting, but unfortunately lacks the authority to make the necessary changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On or around XXXX of XXXX  I received correspondence to a prior claim stating from Bank of america they did everything they could to help me at the time with my mortgage. Nothing could be further from the truth. Firstly after sending documents pertaining to this episode of fraudulent activity to my current place of residence, I noticed that the documents did not contain the more important Deed to the property. When I inquired about the deed I was not given any answers as to why all the documents were without the Deed. Secondly, I have tried to remedy this situation multiple times and am looking for restitution as well as the CFPB to do an investigation into this matter because there inconsistencies with the different documents sent by Bank of america. Since bank of america never established ownership ( through original deed ) I feel they had no legal right to fourclose on my property. In addition to the proven facts surrounding illegal signature 's, Robo signings, and nefarious activities within the bank as well as sworn affidavits and testimony from bank employees it speaks to fraudulent behavior at all levels.

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 2023-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Once again, after successfully paying my new modification for the past 2 years, Bank of America send me a statement increasing my payment from {$380.00} ( principle and interest ) to {$620.00} ( escrow flood insurance ) As in the past 5 complaints Bank of America, intends to alter the terms of the contract I have with them. XXXX XXXX XXXX XXXX Regulatory Complaints Department XXXX XXXX Bank of America ) and I have worked together for the past 10 years trying to get my modification on terms we all could agree on. We finally agreed NO ESCROW just principle and interest. We did 3 trial payments, we signed all the paperwork and I have been paying faithfully for the past 2 years. It was agreed a 40 year modification at 2.75 % {$380.00}. I pay my own insurance and taxes. XXXX XXXX did say if I defaulted on my payment, they may have to add escrow in to the loan. I have NOT defaulted!! I just got notice from Bank Of America that they expect me to now pay {$620.00}. I did not agree to that and I can not pay that amount monthly. I pay my flood insurance yearly ain XXXX and I intend fully to continue to do so. I will be paying bank of America my agreed upon payment and nothing more. I have tried several times to reach XXXX XXXX and he does not return my calls. i have tried to come to terms with customer service and the insurance dept. and they keep switching me back and forth and are not trying to make a resolution with me. I am sure once you enter a contract with someone, you can not change the terms 2 years later. Hopefully, we can work this out without having to get an attorney involved. Bank of America is making it difficult to speak with someone with authority to help me. Thank you for anything you may be able to do to help me at this 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 explanation
Consumer complaint received 2023-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I contracted Bank of America ( BOA ) multiple times in writing and over the phone regarding being overcharged by XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored my attempts to resolve the issue. I tried in person while on site, over the internet, via email and via phone. 
The merchant overcharged me by XXXX XXXX for renting a car in XXXX. I was quoted XXXX XXXX for an intermediate SUV and ended up with a compact car for XXXX XXXX for 3 days. I opened a dispute with BOA in XX/XX/XXXX. I had multiple dispute claims opened over the following 7 months. The number of the last dispute is XXXX. BOA denied my claim based on the information from the merchant. XXXX 's response to BOA shows the daily charge and all of the fees and taxes applied to it, but there is no explanation why the charge is all of the sudden much higher even though the gave me a lower vehicle class. XXXX 's response to BOA has errors but BOA failed to catch it before denying my claim. Here is an excerpt from merchant 's response : " Amount : XXXX USD '', ... '' Transaction Amount : XXXX USD '', ... and " confirm that disputed charges of XXXXare legitimate '' ( see the page 4 of attached BOA Last XXXX XXXX XXXX ). BOA decided to deny my claim based on XXXX XXXX XXXX XXXX very sloppy response. BOA refused to ask the merchant to explain the base for the daily rate before the taxes and fees and didnt care about the mistakes in merchants response ( correct value of the transaction in XXXX and XXXX dollars ). If the merchant is not punctual in their response to financial institution, how can I be sure they charged me the correct amount? Last time I spoke to Bank of America representative was on XX/XX/XXXX and from their point of view the claim is closed. I pointed out the discrepancies and inaccuracies in merchants response and the fact they didnt address the daily base charge but BOA refused to reopen the claim.

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 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act, this credit reporting agency has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2023-05-16 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: GA

Complaint narrative:
I am a victim of idenitiy theft, this has stopped me from buying a home. I did not open none of these account and by law i deserve a fair consumers 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 2023-05-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1881 section 602 A States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section Stataes no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 Usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1881 section 602 A States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section Stataes no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 Usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
TO : Experian XXXX : CFPB & FCRA & SCRA RE : Not my address reported by EXPERIAN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not acknowledge this address or debt of inaccurate information on the alleged address. I do not recognize. This information or alleged account is reporting on my credit report. 

I do not recognize the address. 
I have never lived at this address. 
I do not recognize any account related to this address. 

Every that they have reported does not meet the FCRA. I AM EMPLASIZING on 100 % MAXINUM POSSIBLE ACCURACY. 

I am giving you 30 days to verify the 100 % accuracy and validate this alleged information that is false and is negative on my credit report. 

Per the authority of the following Federal and State Laws-Requirements I request the following. 

15 USC 1692 G CFPB 15 USC 1681 2 FCRA 15 USC 1681 I 15 USC 1692 b 15 USC 1681 ( 5 ) 15 USC 1681 e 15 USC 1681 i ( 5 ) 15 USC 1681 B 15 USC 1666 b 15 USC 1692 i I am asserting my right/s under Federal and State FCRA that collection and reporting practices act. 
And including those rights because I have disputed this debt in writing within 30 days of receipt of your Initial notice. 

If you fail to provide verification of the items above, these items must be deleted. Failing to report Information correctly violates the fair credit reporting act. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2023 I deposited {$10000.00} to Marcus by Goldman Sachs, after I received an email from this bank offering a bonus of {$100.00}. The condition was that I should keep the money for 90 days. Today is XX/XX/XXXX and its already more than 90 days left. After I check my account online and didnt see the bonus, I called the bank. Representative told me she is sorry, but I cant get the bonus, because I didnt applied for it. But I know that I completed all the steps.

Company response to consumer: Closed with explanation