vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. 

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX  Collections under challenge : XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ].

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX Collections under challenge : XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ].

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX  Collections under challenge : 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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My business computer was accessed and money was transferred from my bank account to Bank of America and XXXX XXXX. There are 2 names that the money was transferred to. One person lives in XXXX XXXX Your and one person lives in 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I do not recognize the inquiries on my credit report and thinks it's fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the inquiries on my credit report and thinks it's fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
On XXXX i noticed XXXX hard inquiries that i didn't authorize. XXXX was on my XXXX  report and XXXX wer on XXXX XXXX. XXXX from XXXX  XXXX and XXXX from something called synchrocity or something like that.

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 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I called several times and requested a loan modification or payment plan, I explained to the loan servicer numerous times over a 12 month period that I have bee living off of fixed income ( short-term XXXX ) and unable to keep up with payments due to my surgeries and hospitilizations. I explanined that I was now back working and could catch up the payments if they would work with me. They stated that the federal government does not allow them to give me a work-out option and all arrears are due immediately. They also stated they would not accept payments of any amount if it is not the full amount die. As of thus date that is over {$12000.00} ( 12 months of payments ). I Spoke with XXXX XXXX on XX/XX/XXXX he is a counselor for PHH loan servicing company. PHH is the servicing company assigned by XXXX XXXX  ( mortgage company ). XXXX XXXX refused to offer me any assistance or workout application stating my loan is only elidgeable for the full payment of all arreaers. I asked him and every customer service person I spoke with for the contact info to the mortgage company and they all refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
4 months of fake verification never provides proof of wet signature or of my actual involvement in the transactions ignores my identity theft reports

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a credit card account with Bank of America. I don't use that account and keep it as a backup in case of need. My primary credit card account is also with the same bank. I also have several other credit accounts with different financial institutions. 

In XXXX XXXX XXXX I had to use that credit card for a small payment of {$10.00} in a hardware store because my primary card didn't work due to a glitch in the card processing system. 
At the time, I had auto payment set up for all of my credit accounts except those XXXX from Bank of America, because there was a technical issue which prevented me to set it up in the past. 
Because I almost never use the credit card, I completely forgot about it. I've had balance notifications set up but for some reason those for the account went to my spam folder. Because I was very busy, I went out of state and then my entire family got sick for a couple of weeks, I didn't really thought about even visiting my internet banking. 
Later I was notified by a credit bureau that my credit score dropped significantly from around XXXX to under XXXX. I immediately contacted the bank and paid the late payment, which climbed to {$12.00} after adding some late fee and interest rate. This was my first late payment ever.

I admit it was my fault that I didn't pay the payment on time, however the bank is partially to blame : - I was not able to set up the auto payment before the incident. Only after that and after we spend XXXX minutes in the bank trying to set it up, they later called me and helped me to resolve it over the phone. Still the way we did it was not very straightforward.

- They failed to notify me about be late on the payment. When I confronted them with that they said it's not their obligation.

I tried to ask them to do me a favor - as I did over the years when they made mistakes, and because I think I'm their pretty good client with accounts with a big cashflow - and remove that from my credit report after I paid those {$12.00} of debt, but they refused to do so and said it was completely my fault.

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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I fell victim to fraud and someone in XXXX has my card info. They seemed to hack my debit card info. I have gotten XXXX new debit cards now and the latest one is being used before it has even arrived in my possession by the same person who has been using my past cards in unauthorized fraudulent charges and I have reason to believe the banks security has been compromised as my new debit card which I have not even received in person yet is being used.

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 2024-01-31 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: MD

Complaint narrative:
XXXX XXXX XXXX Reported late payments on my consumer report after having a phone conversation with the company in regards to The Coronavirus Aid Relief, and Economic Security Act, passed by Congress and signed into law on XX/XX/2020 which contains explicitly addressing the FCRA, as XXXX XXXX previously reported. Section 4021 of the CARES ACT amends Section 623 ( a ) ( 1 ) of the FCRA ( 5 U.S.C. 1681 S-2 ( A ) ( 1 ), Violation of 15 USC 1662 ( 2 ), VIOLATION 15 USC 1635 LACK OF RIGHT OF RESCISSION, violation 15 USC 1681a , violation 15 USC 1692e , The False claims act, 31 USC 3729-3733 , FAIR DEBT CREDIT ACT LAW 111-203, title X, 124 Stat. 2092. Delete LATE PAYMENTS AND UPDATE TO PAID AS AGREED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened an checking and saving account with fifth third bank on XX/XX/XXXX. I received an email with confirmation that my account was opened successfully and was giving an account and Routing number, I Created an username and password the same day. Unfortunately the next business day I tried logging into my account and was denied access to my accounts, when I contacted Customer support they provided details about an old account from XXXX ( way pass the statue of limitations for debt collections in Ohio ) that I never knew existed, and said due to the findings with that old erroneous account that they no longer wanted to move forward with the relationship, I was in total disbelief and wanted answers so I had the manger assist me with opening up an investigation on XX/XX/XXXX so this matter can be resulted and I was told an dispute will be placed in progress and the time frame is XXXX days, however I received an letter on XX/XX/XXXX for a dispute resolution and the letter never gave any details upon the facts finding in fact the only information that was giving was the information I provided them with. They even have contradicted themselves by saying this information does not appear on XXXX  ( XXXX XXXX XXXX  ) or XXXX. Which is both reporting agencies for consumer! I feel discriminated against, i feel profiled! I dont feel it was an intensive investigation done on my behalf because of it! and this discrepancy still remains, this is a clear violation of regulation b and my consumer rights, I need this to be resolved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My consumer reports are illegal and unauthorized by state and federal laws and statutes.

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 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KS

Complaint narrative:
Back in XXXX, I was told my account was on an Income Based Repayment plan. Then in XXXX when I looked to see how much I needed to pay, it said I was a level payment plan and owed over {$700.00} per month. I immediately applied for the SAVE plan and was told it could take up to XXXX  days to get approval and that my account would be put into forbearance until the end of XXXX. I never heard anything back from them. I then saw that my level plan was back and I owed over {$700.00} again. I sent a complaint, I tried waiting on the phone, which I ran out of time being on hold. I have gotten no response, none. I have now missed a payment, which I have never done prior to this. I did submit a complaint to Studentaid.gov, but haven't yet received anything either, it hasn't quite been XXXX days yet. I can not get any information from Mohela. I can not afford to make those payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I requested that Experian send me proof of debt including copy of payment history, name and address of original creditor, as well as proof of collection authorization. I have yet to receive those things my dispute was update the first time a XX/XX/XXXX which is XXXX  days apart they did not go over the documents I provide or anything of the sort. I started another dispute with them again for the same debt and they just updated it again today did not go over any of the documents I provide for the second time. Its been passed XXXX days and I have yet to receive any proof of debt.

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 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI

Complaint narrative:
I had a car loan with fifth third bank. When I bought another car, the loan was closed. I had automatic payments coming out of my checking account to pay the loan and neglected to put a stop automatic payment. It made a payment after the loan was paid off. I called and put a claim in. The representative told me to email evidence that it was taken out of my account. I did comply and he then told me that the claim was approved and I would receive a payment in 10 days. That was XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
I am writing to lodge a formal complaint against USAA for their handling of a check deposit into my checking account and their failure to comply with Regulation CC regarding the availability of funds. My name is XXXX XXXX, and my account with USAA experienced an unwarranted delay in funds availability that has directly impacted my ability to address an urgent medical issue. 

On Sunday, XX/XX/2024, I deposited a check for {$4700.00} into my USAA checking account. Following this deposit, USAA placed a hold on these funds, informing me via a notification that the funds would not be available until Friday, XX/XX/2024. Given the urgent nature of my situationan XXXX XXXX requiring immediate dental interventionI contacted USAA customer service on XX/XX/XXXX and XXXX, XXXX, to request the early release of my funds. 

Despite my explanation and urgent need for the funds to cover medical expenses, USAA 's response was dismissive. The representatives provided vague, generalized reasons for the hold but failed to give a specific explanation for why my deposit was subjected to this delay. When pressed for a detailed reason that could justify the hold under Regulation CC, the representatives stated they were unable to provide one. This lack of specificity and refusal to accommodate an urgent medical need is not only insensitive but also appears to be in direct violation of the stipulations outlined in Regulation CC regarding the expeditious availability of deposited funds. 

This experience has caused me significant distress, not only due to the physical pain of my medical condition but also because of the financial uncertainty and lack of support from my financial institution. I believe that USAA 's actions in this instance are not compliant with Regulation CC, despite what their deposit agreement states. The refusal to provide specific reasoning for the hold, coupled with the inability to accommodate an urgent request, indicates a failure to adhere to the consumer protection standards mandated by federal law. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter to ensure that USAA is held accountable for their actions and to prevent similar occurrences in the future. I believe that all consumers deserve transparency, fairness, and understanding from their financial institutions, especially in times of need. 

Thank you for taking the time to consider my complaint. I am willing to provide any further information or documentation as required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation