vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX. Refinanced our conventional mortgage with XXXX XXXX in XX/XX/XXXX XXXX. PNC purchased/received our loan to service XX/XX/XXXX XXXX. We contacted PNC to remove our XXXX payments early XXXX because our XXXX has dropped below 78 % and followed up multiple times through late XXXX. We even sent {$150.00} check ( at the direction of XXXX of their loan officers ) to pay for XXXX. The check was returned to us. 

We communicated with multiple bank officers. We are XXXX  and have conducted XXXX 's ourselves and there should be no problem proving the value of our home is close to 65 % of our existing XXXX. We are willing to follow any procedures they have to process the removal of the PMI. 

What PNC is saying is that when we XXXX XXXX with XXXXXXXX XXXX they put a 2 year restriction that XXXX could not be dropped in that time. We contacted XXXX XXXX and they have no such policy and there is nothing in the XXXX docs we signed with them. 

PNC has maintained all this time that there is a time restriction preventing the removal of our XXXX. They have failed to provide any documentation to this. 

We have never been late on any payments. We have maintained any and all required escrow items. We have excellent credit and payment histories on all credit accounts. 

I also believe this restriction goes against the law in place that requires a lender to remove XXXX when the XXXX drops below 78 % of the value of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Universal Technical Institute
State: CA

Complaint narrative:
This is in regards to complaint ID XXXX. I had stated I submitted a refund request and wanted to get it processed as fast as possible before the end of XXXX. I accidentally put my brothers info sense it saved in my phone but I am the person who is submitting the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
Hello cfpb, the following list of dates and corresponding company names are fraudulent inquiries on my credit report that I did not authorize the companies to pull my credit and should be removed from my credit report. 

XXXX. XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX XXXX. XX/XX/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. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX - XXXX FCU XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Thank you in advance, Respectfully, 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 2022-11-03 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:
Hello cfpb, the following list of dates and corresponding company names are fraudulent inquiries on my credit report that I did not authorize the companies to pull my credit and should be removed from my credit report. 

XXXX. XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX XXXX. XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Thank you in advance, Respectfully, 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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, we were scammed by someone who claimed he worked for XXXX XXXX and said our computer had been hacked and funds had been taken from our Citibank checking account. Over a few days, he convinced us that the FBI were investigating it and frightened us into making a couple of wire transfers totaling {$87000.00}. We were told to lie to the bank 's representative because someone inside Citibank was behind the fraud. When we learned on XX/XX/2022 that the phone number we had been calling was fraudulent, we called Citibanks fraud department to report what had happened and on XX/XX/2022, we submitted an elder complaint to the FBI Internet Crime Complaint Center ( https : //www.ic3.gov ). On XX/XX/2022, we received a letter from Citibank letting us know that our fraud claim had been denied. On XX/XX/2022, we wrote back to Citibank appealing their decision since Citibanks denial clearly concedes that this was a scam, and EFTA expressly forbids denial of a claim due to any negligence by the customer. We received an identical letter from the bank to the first one.

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 2022-11-03 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: SC

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
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

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 2022-11-03 00:00:00
Product: Vehicle loan or lease — Lease
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: Tesla, Inc.
State: CA

Complaint narrative:
On or around XX/XX/XXXX, I leased a vehicle from Tesla Finance. At the time, I was a XXXX XXXX and I took possession of, and registered, the vehicle in XXXX. To date, I am in full compliance with my lease agreement, having timely made every monthly payment. 

In XXXX, I relocated to XXXX. Pursuant to XXXX law, I am required to register the vehicle in XXXX within 30 days of relocating. In order to do so, I need a copy of the title from Tesla, along with a power of attorney or other document authorizing me to register the car. 

On or around XX/XX/XXXX, I wrote to Tesla requesting the necessary documentation to register the vehicle in XXXX. In response to the request, I was told I should have the documents in about 4-6 weeks. To date, I have still not received the documents and have not been able to register my car in XXXX 

I have attempted on numerous occasions to contact Tesla to find out about the status of the documents. When calling the only phone number that is public, I was directed to send an email and/or leave a voicemail on a " general '' mailbox. I have left numerous messages ( both voicemail and email ) and the only responses I have received have been non-specific, with statements on the order of " Its probably some delay at DMV. '' Despite my requests, I have not even been provided with anything to confirm when ( or even if ) any request was actually made by Tesla to have the title documents pulled from DMV and sent to me.

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

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
to my knowledge I'm dealing with inaccurate incomplete and misleading information on my credit report that this company failed to thoroughly investigate. Anything being reported about me should be reported 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
To whom it may concern, I XXXX XXXX, sent a Cash App, to a friend of mine, in the amount of XXXX on XX/XX/22. However, the transaction was never completed, my relative never received the funds. I contacted Cash App, they haven't been able to help me in locating the funds. I have been communicating with them via of chat. I contacted my bank, which is connected to the checking account, where the funds were taken from. 

So far i have not been refunded anything from Cash App, the Cash App, website is still showing a pending message, they are trying to indicate that my friend recieved the funds. 
However, they are not saying where the funds were transferred to.The funds should have been received by, XXXX XXXX bank, that is where my friend has her account with.The funds were sent from my checking account, with, XXXXXXXX XXXX. 

Cash App XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
submitted dispute to Experian Credit report XXXX, XXXX weeks later no conclusion? 
their report has wrong information on a XXXX XXXX XXXX credit card account from XXXX XXXX both XXXX and XXXX have the same account closed in XXXX XXXX. here in Oklahoma, debt based on written contracts have a limitation period of 5 years ( O.S. 95 ( 1 ) ), while oral contracts may only be collected upon for up to 3 years ( O.S. 95 ( 2 ) ). Attachment, or the legal seizure of property or a person, has a statute of limitation of 5 years ( O.S. 95 ( 5 ) ).

this account is reaching 7.5 years old 2.5 years past the prescriptive date of the legal limitations?

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

Complaint narrative:
I have severe mental illness. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # XXXX. Got a notice from XXXX that my application for XXXX discharge is being delayed by Nelnet because they spelled my name incorrectly. They wont communicate directly with Nelnet, they said I have to. We tried, and Nelnet refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # XXXX. XXXX is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of XXXX charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to Nelnet multiple times, the XXXX branch of Nelnet seeking help, and literally never even received a response. It is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2022-11-03 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2022-11-03 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
On the week of XX/XX/XXXX I received a phone call from the CBE group requesting identifying information from me. I explained to the representative that I was unable to provide information as I was at work and sit in a communal office. I requested she not contact me until after XXXX, where I would be in a secure location and be able to provide personal information. 

I received over a dozen calls between XX/XX/XXXX and XX/XX/XXXX between the hours of XXXX - XXXX, of which I was unable to answer due to being at work. I was able to answer 1 call on XX/XX/XXXX at XXXX. I confirmed with the gentleman that my account specified not to contact me prior to XXXX, and explained I was, again, in a communal office setting unable to provide identifying and personal information. 

The gentleman asked if I would like to be marked as " Do not contact '' to which I explicitly said " No '' and explained I would be more than willing to provide any necessary information after XXXX to a CBE representative. 

I received no calls after XX/XX/XXXX. I received a notice of " Potentially Negative Activity '' from my bank on XX/XX/XXXX notifying me that the CBE group placed a Major Derogatory on my credit report. I called CBE Group and spoke to an account representative, and she informed me that my account had been marked " Do Not Contact ''. 

I had received XXXX information regarding the alleged debt from the CBE Group and they refused to contact me during times in which I specified I would be willing and able to provide the required personal information to them prior to having my credit report flagged for an outstanding alleged debt. 

When I spoke with the representative on XX/XX/11 around XXXX I requested information be sent to my current address and asked for the major derogatory be removed from my credit report as they had not provided me with any information on the debt, continually contacted me during hours I specified I would not be available, and refused to contact me after XXXX. She explained they would contact the bank and have it removed- which has not been done. 
The major derogatory is still present on my account and negatively affecting my credit, specifically my credit score ( which has historically been very good ) has dropped XXXX points, and has not recovered since the major derogatory was placed on it. 

I have a complete recording of the entire phone call from XX/XX/XXXX and will provide if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Monarch Recovery Holdings, Inc.
State: AZ

Complaint narrative:
This company has called me many times before XXXX XXXX. I recently called them on XXXX and they were rubbing in my face that I owe XXXX $ and saying at least I dont owe any debt, making me feel bad about myself and my financial situation. I was calling to make a settlement on this even though they have attempted to collect debt illegally many times. Im really sick of this company. They have sent so many letters to my old house even though I have told them to STOP. When I called them they also had a a voice changer on and it sounded like a COMPLETE robot and they refused to transfer me to someone so I could actually understand them. I have this on recording.

Company response to consumer: Closed with explanation