vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : # XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A : States I have the 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 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I requested PMI removal on my home, and was told that I could not given I have a second lien on my property ( in this case, a HELOC ). I was told that I would either be denied or I would have to shut down my HELOC. I am a mortgage loan originator myself, so I did some digging. It turns out, this is wrong and illegal. You can review the PMI removal requirements here : XXXX XXXX XXXXXXXX Nowhere does it mention subordinate liens being an issue. Additionally, it indicates that lenders may not add additional requirements on their end. I pointed all this out to Round Point Mortgage, and they initially pushed back. When I threatened to bring it to the CFPB, they acquiesced. So my personal issue is resolved, but here is the problem : they are enforcing this illegal policy against countless consumers, consumers who are not savvy enough to know better. The potential financial harm to consumers is huge. The FTC will take the case, but others need to make the same complaint. Others won't because they don't even know it is happening. CFPB seems to only take the case if you have an outstanding issue, and I don't have one anymore. But someone needs to address this, and I believe the CFPB is the most equipped organization to do so. 

I really hope the CFPB is able to correct this unjust policy. Thank you for your time on this matter.

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 2023-03-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Venmo has completely deactivated my account and refuses to give me a reason why or reopen my account. This has caused issues as it was my primary peer-to-peer application when paying friends or family. Recently I attempted to sign up again only to be told that my account was permanently deactivated for violating Venmo 's terms of service. However, Venmo was unable or unwilling to tell me which term I violated. I went through the terms of service with an attorney and I can verify that I have never violated any of the terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My PNC account was placed on a hold on XXXX XXXX. I called and asked why and no one would answer me and told me to go to a branch. on XX/XX/XXXX I went to a branch of the bank and again no one could assist me with the problem or answer any questions. I then called PNC again on XX/XX/XXXX and could once again get no answers as to why there was a hold on my account and that it could take XXXX or more days to review. PNC is holding my money for ransom without giving me any help or reason for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
On this date XXXX XXXX  southwest credit systems open a collection. 

{$1800.00} that I own I have never signed any written documents saying that I own this to the collector. 

They are violating my right of the FCRA as a consumer. 

I do not know who they are and I have not written consent from my end. 

Also, they not verified that I own this debit to this alleged company. 

Please have this removed from my all the three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. I have no knowledge of this account. 
Lvnv funding llc XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I Need To Know That If I Turn This Car In All Payments Will Be Stopped And We Will Not Have To Pay Anymore Payments. The Contract Was Violated The Dealer Never Fixed My Engine Even Though It Has A 2year Warranty. i Cant Even Trade The Car In Because American Car Center Didnt Report The Payments On My Credit. You Dont Have To Compensate Me But I Do Not Agree To Keep Paying For A Car After I Turn It In. Also The Response On The Complaint Stated That We Were Notified From American Car Center That Westlake Was Taking Over That Is False We Were Not Notified Before XX/XX/XXXX Or On XX/XX/XXXX XXXX XXXX XXXX Didnt Tell Us Anything And We Didnt Agree To Giving Westlake Personal Information Such As Social Security Numbers We Can Resolve This Here Or I Will Just Go Through Lawyers And See The Company In Court .

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 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One issued an annual fee of {$59.00} to my account on a credit card that I rarely use for emergencies only. The account is usually setup to auto deduct for any balances since I've had it for almost 15 years. This year the deduction did not happen, nor did I get notification via phone or email that my payment was over 30 days late from XX/XX/2023 to XX/XX/2023. When I finally received notice on XX/XX/2023, I paid the annual fee plus a late fee that all totaled around {$120.00}. 

Today, I noticed that Capital One reported to all 3 credit bureaus which caused my credit score to drop by almost 50 points. I am in the middle of refinancing my families primary residence and this has caused a tremendous issue all on account of a miss in accounting and lack of proper notification from Capital One. I have had this card for 15 years and have never had an issue with payments or excessive balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have 4 open disputes on derogatory reports filed by Firstmark Services/Access XXXX XXXX on my student loans. There is one payment due monthly to Firstmark, the loan servicer, but there are apparently 4 separate accounts. 
I submitted a payment on XX/XX/2023 in my time zone ( PST ) prior to XXXX PST, bringing me less than 60 days past due but was incorrectly reported to the credit reports as 60 days past due on my 4 accounts with them. 
I am a California resident, and on my email payment confirmation, included with this correspondence, there is an asterisk that states ( boldened and underline added ) : * For California Residents, payments received on or before XXXX Pacific on your payment due date will be made effective the date on which the payment is received. 
Therefore, the XX/XX/2023, payment made before XXXX Pacific should have been made effective on XX/XX/2023, and the account was not 60 days past due as reported to the credit bureaus. I request all 4 derogatory marks be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Upon checking my consumer report. I see that your company is reporting that i have a account open with your company. I never applied for a credit card with your company. I never gave your company or any other person to use my name or likeness for such account. Any account open with your company is fraud and due to my information being stolen and used is identity theft.

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 2023-03-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: DC

Complaint narrative:
I applied for forgiveness under the Limited PSLF Waiver program. The loan services provider that I am dealing with is Mohela. I submitted documentation on time during the window for forgiveness. I have worked at eligible employers, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the XXXX XXXX XXXX during the eligible period, from XXXX to present. Both employers confirmed my employment and I submitted supporting documentation. My application was submitted in XX/XX/XXXX ( prior to deadline of XX/XX/XXXX ). I consolidated my loans as required and they have been in forbearance since then waiting for a final determination on my forgiveness application. Just recently I received notification that said I was not eligible because I didn't not have any PSLF qualifying payments. But they based that determination by ignoring the last 13 years that I worked for the XXXX ( i.e. federal government ). I made all required qualifying payments. I have tried calling a number of times and am put on hold or given unhelpful responses that do not address the underlying issues. I qualify for the Limited PSLF Waiver based on the eligibility criteria that was provided through the Department of Education materials and website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
In year XXXX I had lost my job and couldn't make any payments I contacted XXXX XXXX  about my situation now in XX/XX/XXXX my kid Dad had took my car to the store and supposed to come back that day so a week in a half went by been calling XXXX XXXX XXXX to bring my car to my resident he never brought my car back so I contacted the police they told me to wait ten days if he doesn't bring it back than call to report it stolen so I called my kid Dad and told him to bring it back he still hasn't so the next day I called the police again to find the location of the car it was towed away by XXXX XXXX in XXXX Texas I called XXXX XXXX and let them know that my car was not at my residence and that it was towed away at my kid dad resident so in XX/XX/XXXX XXXX XXXX tow had sold the car to someone in California all and all I just couldn't afford the car and my kid dad never help me to get my car back and now I'm stuck with {$14000.00} balance on my credit it just been really hard on me these past few years I have no job no car and XXXX XXXX XXXX XXXX XXXX XXXX kids So just gotten a collection letter from Northstar Location Services , LLC is a debt collector on XX/XX/XXXX for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: NY

Complaint narrative:
On this date XXXXXXXX XXXX  REVCO SOLUTION INC open a collection. 

{$1000.00} that I own I have never signed any written documents saying that I own this to the collector. 

They are violating my right of the FCRA as a consumer. 

I do not know who they are and I have not written consent from my end. 

Also, they not verified that I own this debit to this alleged company. 

Please have this removed from my all the three credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A : States I have the 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 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-03-15 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: VA

Complaint narrative:
I'VE CONTACTED THE COMPANY TO CONFIRM THAT THIS ACCOUNT DOES NOT BELONG TO ME I WAS ASKED QUESTIONS TO CONFIRM MY SOCIAL SECURITY NUMBER AND THE ONE THEY HAD DOES NOT BELONG TO ME. THIS IS A VALILATION OF MY CONSUMER RITES AND NEED TO BE REMOVED FROM MY CREDIT FILE. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE ACCOUNT LISTED BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER15 USC 1681.1. NOT ONLY DO THEY NOT HAVE THE CORRECT SOCIAL THEY HAVE REPORTED THIS TO THE CREDIT REPORT 15USC 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 REASONABLE CAUSE TOBELIEVE THAT THE INFORMATIONIS INACCURATE XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) DATE : XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2023-03-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2023-03-15 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: SC

Complaint narrative:
On XX/XX/2023, someone generated an inquiry on my credit report titled " XXXXXXXX XXXX XXXX ''. This inquiry was NOT authorized by me and was done fraudulently! I contacted XXXX and TRANSUNION and advised them of the situation. They both stated that I needed to send in an FTC report along with a cover letter in order to get the inquiry removed. On XX/XX/2023 I sent them both a cover letter along with a FTC report. XXXX has yet to remove the inquiry and its been well over 30 days. TRANSUNION confirmed they received my documents but deemed them invalid because they did not have my signature or the date on them. I have attached the documents that Ive sent to them and it CLEARLY has my signature and the date.

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