vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: PA

Complaint narrative:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Experian such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Experian, XXXX, XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX XXXX XXXX, XX/XX/XXXX of listed late payment XXXX. XXXX XXXX XXXX of XX/XX/XXXX, listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.

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 2022-03-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is an issue with all 3 credit bureaus not deleting out of statute accounts, and not allowing me to re-dispute. They are re-aging tge accounts, and in one instance, the account with XXXX XXXX XXXX was paid off completely, but marked as never paid to all bureaus. This is so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a cash deposit of {$150.00} to my bofa checking account thru an atm at the XXXX XXXX location on XX/XX/21 it went thru money showed posted on account. On XX/XX/21 my {$150.00} deposit had a reversal of {$150.00} and over drafted my account. No call or letter was ever given to me I called aswell and was told I couldnt dispute it.

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 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OR

Complaint narrative:
On XX/XX/2022 I wired the down payment for the purchase of a home to PNC Bank in the amount of {$77000.00}. It was discovered that fraudulent wire instructions sent via email were used on XX/XX/2022 when my husband and I were signing closing documents at the title company, Fidelity XXXX XXXX. That evening I submitted an IC3 Complaint Referral Form to the FBI and was told by the escrow officer on XX/XX/2022 that the FBI had contacted PNC Bank and put a freeze on the account. I also submitted a wire recall claim with the originating bank on XX/XX/2022, XXXX XXXX, and there is an ongoing investigation at this time. I also contacted a live person at PNC Bank but was told that they couldn't give me any information. 
In my conversations with XXXX XXXX, the originating bank, I've been told that all of the requirements to PNC Bank have been met however we still have not received any of the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021, a credit line was open on PayPal credit without my consent. I had no idea that it was open until XXXX XXXX when there was a purchase of {$86.00} was made. I did not make this purchase and would like to report fraudulent activity.

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 2022-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
I opened a mortgage with SWBC in XX/XX/XXXX and sold the property in XX/XX/XXXX. I had to pay the outstanding property taxes at closing. I am still awaiting refund of the paid taxes. I initially filed a complaint with the TX Dept of Savings and Mortgage Lending in XXXX XXXX after four months of dealing with SWBC and them raising my escrow amount due to " predicted '' property taxes increasing without a valid assessment by the tax collector and for them not paying my prior year property taxes in full. I was told by numerous SWBC customer support reps that they would abide by their Truth in Lending statement and charge me the lower mortgage payment but it never happened. Had they done so, we would not be in this predicament of overpaid taxes in the amount of {$6000.00}. 
I submitted another complaint after being told three different scenarios for getting my tax refunded. They responded to the state agency with a lie stating they had confirmed receipt of my tax refund on XX/XX/XXXX and would send the refund in 5-10 business days. We are now at business day 23 and I called 4 times in the last week ( their message states they will call back the next business day, another lie ) and was told tonight that their tax department does not have the refund and it could tax another 4-6 weeks. As you can see with the letters they sent ( attached ) only 4 days apart, it's not even close to the truth. How can you confirm receipt by check number on one day and then 4 days later state you don't have the refund? The document on XX/XX/XXXX was uploaded to my Documents Center on their website but the one dated XX/XX/XXXX was what was sent to the state regulators. An obvious attempt to lie to the state regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I closed on my new construction home XX/XX/XXXX in XXXX, TX, located in XXXX XXXX. On XX/XX/XXXX, I submitted a letter from the XXXX XXXX Tax Assessor office as official certification that my property tax liability {$0.00} because I am a XXXX XXXX XXXX XXXX Veteran. The letter was signed by XXXX XXXX, Exemptions Clerk for the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a letter from LoanCare indicating they were made aware that I qualify for a tax exemption, and " if necessary, the account will be analyzed and adjustments made. I followed up with the company on XX/XX/XXXX, and the matter was still pending. I logged into my online account on or about XX/XX/XXXX, and the escrow amount had still not been modified. 
The agent I spoke with stated " they called to XXXX XXXX Appraisal District '' to verify the information and was told that " I only qualified for a partial exemption ''. On my second follow up call on XX/XX/XXXX, I was told LoanCare was not waiting on a bill from the Assessors Office. Again, I have submitted a certified letter from the XXXX XXXX Appraisal District office that states " the exemption will result in no taxes being assessed on this property in XXXX and subsequent years. I had no choice in picking this company, but there actions in this case are consistent with many of the XXXX  cases I have read. I am concerned that they are intentionally and unlawfully withholding my escrow funds to use for other investments.

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 2022-03-10 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: CA

Complaint narrative:
I have submitted for the third time a fraud report to Experian and today I faxed over to them a completed police report. 

Experian has not removed the XXXX  XXXX account from my credit report. 

XXXX XXXXXXXX XXXX XXXX account number XXXX I forwarded to Experian all that they requested that I do.

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 2022-03-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is an issue with all 3 credit bureaus not deleting out of statute accounts, and not allowing me to re-dispute. They are re-aging tge accounts, and in one instance, the account with XXXX XXXX XXXX was paid off completely, but marked as never paid to all bureaus. This is so frustrating.

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 2022-03-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is an issue with all 3 credit bureaus not deleting out of statute accounts, and not allowing me to re-dispute. They are re-aging tge accounts, and in one instance, the account with XXXX XXXX XXXX was paid off completely, but marked as never paid to all bureaus. This is so frustrating.

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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, On XX/XX/2022, I submitted a claim to Chase Bank in regard to a check that was cashed by an individual. Essentially, this individual stole the check, erased the name of the company that it was supposed to go to, and cashed it themselves. This was a check for {$4000.00} that was made out to the company " XXXX XXXX. '' When I found out that they never received the check, I looked on my Chase XXXXXXXX XXXX and found that the {$4000.00} had already been taken out of my checking account, but the name that came up on the check was " XXXX XXXX. '' This individual stole my check and wrote it out for themself by changing the name and the date, essentially committing a felony. I have been on and off of the phone with chase regarding this incident, and originally this was all supposed to be solved by XX/XX/XXXX. After calling Chase Customer Service at least 3 times, they kept extending the deadline and saying that the claim is still open and investigating is still going on. Quite frankly, they keep making promises that they are not keeping and I am not sure how long it is going to take for them to finally do their job and get this thing solved so I can get my reimbursement. I reached out to the FDIC and they are the ones that told me to get in touch with CFPB. Any help that you can provide me would be greatly appreciated, as this is a lot of money that was stolen from me and I don't feel like Chase Bank has been doing a good job handling my situation. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: AZ

Complaint narrative:
Recently sent out affidavit with invoice attached and had you the CFPB contact Automated Collection Services Inc. They responded with closing the account for the wrongfully, civilly, and criminal violations that theyve committed. Which removing/deletion of an account is admission to the crime theyve committed. 
The Automated Collection Service Inc agent was XXXX XXXX. I DO NOT appreciate my right to privacy and consumer rights being violated. Now I DEMAND compensation by check for the violations committed or else legal action will be taken. Respond only with telling me my check has been sent out for violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
This phone # being called is not owned by the person the collection company is trying to reach. I have no information about this person, or know anything about this debt, and the issue is I have tried just blocking numbers from the company, but 'Credence ' continues to call, most of the times not completing the call or even saying who they are trying to reach. Once, though a name they were looking for was provided ( don't recall it ). Numbers attributed to Credence that are shown in the caller ID are ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

( Central time ) dates of phone calls are ; XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I've sent emails and also calls trying to pay off my entire balance and close my account. There is no resolution after 2 weeks going on 3. I've made XXXX payments that showed as posted but never showed up on my statements. Now I'm being charged late fees. The browser seems to be the only option to access any information. The app doesn't let you access any statements and shows very limited information. There's no way to contact directly. This company is causing me stress and anger.

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 2022-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient emailed me " let 's get on track. Payment is due. '' on XX/XX/2022. This is inaccurate. They told me I need to call them and reach out about making a payment on my account. Federal Student Loan repayment re-starts in XXXX. So why are they emailing me and making me think I need to start paying them now and that I am already late?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is a formal complaint against Truist Bank. Truist has the worst customer service that I have ever experienced. It is next to impossible to reach them. The hold times were over 2 hours from XX/XX/XXXX to XX/XX/XXXX. The Fax number is always busy and not useable. The bank does not have an e-mail system. Local Banker in VA hung up on me during a telephone conversation. My loan account was immediately closed when I intentionally left an {$18.00} balance. I wanted to keep the small balance in order to trade my vehicle to a dealer so that my title would not get held up. The dealer was going to do the final payoff. My payments have always been ACH transfers. All of the payments were posted to my account immediately. Truist is not releasing my title electronically even though they have the payment, zeroed out, and closed my account. I have never had a bank pay off any loan. This is a Red flag to me. Are they going to send me a bill 6 months from now with interest and penalties. The bank will not provide me with a lien release letter or promptly release my title.

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 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Fell Behind on pmts due to covid was told we will help you on a rate mod then they tell me to pay all past due no help available ..... 
I am unable to contact the loan holder no number available... .only can communicate with the servicer Select Portfolio Servicing .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: CORELOGIC INC
State: CA

Complaint narrative:
XXXX  identity program called XXXX emailed me on XXXX to inform me that a company called CREDCO XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested access to my XXXX credit report. I have a freeze on this report so access was denied. But I have never used this company for credit and dont recognize the inquiry. It seems fraudulent.

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 2022-03-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc.
State: WA

Complaint narrative:
National Enterprise Systems ( NES ) sent me a debt collection letter stating I owed them for my private student loans that were disbursed in XXXX and charged off inn XXXX which is 15 years after I opened the debt and the end of the re-payment period. 

I asked NES for debt verification as the lender has no record of any of my original debt. NES sent me the private loan application I completed in XXXX and a summary of my payments, including the charge off in XXXX. It still claims I owe them for the entire debt. 

They did not provide proof that I still owe the debt, that the original lender has any record of this debt, or what amount is currently owed- they are claiming I owe the original amount that was disbursed. This is fraud and financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted in writing a request for the immediate removal of incorrect spelling of names, addresses and phones numbers on my consumer report to all three agencies. I attached my drivers license for proof.

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 2022-03-11 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:
Experian does not have permissible purpose to report anything negative to My consumers credit report. If it doesnt benefit me, it shouldnt be reported. As a consumer, I have the right to privacy. Experian isnt allowed to report late payments along with negative inquiries to my consumers credit report. Experian is in violation of the U.S. CODES. I do not and for future reference will not give Experian, along with the rest of the credit bureaus my written instructions to report anything negative to my consumers credit report. Experian should not take information from third parties and report it to my consumers credit report. Thats aggravated identity theft. No consent is also identity theft! I am the original creditor and Im the only one who can extend credit.

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