vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
We have TWO loans with PennyMac and there seems to be some confusion on their servicing platform for some reason in properly servicing both loans. 

The loan that I am having issues with is loan # XXXX - Property located at XXXX XXXX XXXX XXXX in XXXX, CA. 

In XXXX 2022, I set this loan and our primary home ( Loan # XXXX ) as well as the problem loan in question Loan # XXXX. The auto pay was properly processed for loan # ending in XXXX but was not processed for loan # ending in XXXX. I noticed the issue and called PennyMac and made a double payment on XX/XX/XXXXXXXX 2022 for the XX/XX/XXXX payment as well as the XX/XX/XXXX payment. I told the representative that I set both of these loans on autopay and she reassured me that she has resolved the issue and that in XXXX, my next payment for loan # XXXX would be drafted automatically from the bank. 

Needless to say, they never processed the XX/XX/XXXX payment properly. They did make XXXX attempts to debit my XXXX Checking account ( XXXX ) on XX/XX/XXXX. I had over {$130000.00} in my account and they did not properly process the mortgage payment in the amount of {$4000.00}. 

Unfortunatly, this time I caught there error in mid XXXX and called and made ANOTHER double payment as I did back on XX/XX/XXXX 2022 for the XXXX and XX/XX/XXXX2022 payments for loan # XXXX. They reassured me that they would not report me late and there would be no negative credit reporting regarding this issue. In fact, the late payment fees were even waived. 

I am currently trying to purchase a home and they are reporting me late on my credit report and my XXXX has dropped. 

They have been very cryptic, but they leep on citing the issue being the mix up with the other loan I have. Earlier this summer, they failed to pay my homeowners insurance renewals and they kept on saying that they got it mixed up with the loan on my primary residence. I have an impound account BUT I had to come out of pocket and pay my insurance myself when they were supposed to have done so themselves. They seem to be citing the same mix up on the auto pay. 

I finally got the case escalatted to a person named XXXX XXXX and she called me on Monday XX/XX/XXXX and said that she was correcting the late payment but then i discovered that she was still referencing the wrong loan number again. 

I am attaching the mortgage statements to document the payment history as well as my XXXX checking account statement to show that PennyMac attempted to debit the XX/XX/XXXX payment on XX/XX/XXXX from my checking account but in the amount of {$0.00}. 
I am also providing you witha copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check written to my business into my personal account in XXXX, after providing documentation supporting my business name and providing the information for the check maker chase refuses to release the check to me. I have visited the branch over ten times and have been sent home multiple times being told that all information was verified and I should receive a check shortly only to realize I have been lied to. I am now late on rent for two months and am struggling to provide for my family and pay for my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
The date the collection was opened XX/XX/XXXX. 

Original amount : {$2200.00} Interest : {$1000.00} Total as of XX/XX/XXXX : {$3200.00} Account number : XXXX The collection company has accused me of receiving a check from my insurance to pay my XXXX and claim that I never sent it to the XXXX XXXX XXXX back on XXXX XXXX. I called my insurance and they were not aware of any check. I then asked the collection company for the check account number so my insurance could pull it up and they failed to give it to me. I dont recognize this account and the clinic never reached out to collect any money. I would like this deleted from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Larsen & Associates, P.L.
State: NH

Complaint narrative:
Please accept the attached segments of the 39 page complaint with exhibits. 

This matter requires a substantial investigation. The information provided supports inappropriate activity by a lawyer/collection firm who MAY be a part of a larger scam preying on elderly. 

This also involves a property management company XXXX XXXX who has admittedly partnered with XXXX. These 3 entities have : -Solicited me to auto pay through XXXX XXXX have issues that the automated structure fails, generated penalties and then goes to collections who charges thousands of dollars instead of resolving the problems ( requested numerous times ). 
-After the collector arranges for the XXXX to NOT ACCEPT payments, despite the automation was not functioning, can not accept even manual payments, the collector alleges that no payments can be made to the association as will not be accepted yet does. 
-After the system would not accept payments, I did as advised and generated paper payments and paid months in advance. I then posted payment through the end of year XXXX and further posted annual payments to generate in XXXX for XXXX. 
-The collector apparently has attached my property and potentially blemished my flawless credit, stating that I have not made payments. I HAVE included the statements to prove payments are made in full, NOT paying the alleged late fees and legal fees. 
Both of my XXXX and XXXX attorneys have told me this is a scam. I have provided 9 hours of work TO ORGANIZE these attachments. 

IMPORTANT... There is a statement from XXXX admitting, " the management requested that the properties be blocked and that they were blocked effective XX/XX/XXXX and XXXX. THE PROPERTY WAS ACCEPTING PAYMENTS IS CORRECT, UNTIL THE RESTRICTION WAS PLACED LATE XXXX ''. This in itself quashed the collectors allegation and encumbrance. 

I STRONGLY believe that this is premeditated and structured to take advantage of the citizens of which are mostly elderly. I noticed that the collector handles such enormous money that they are required to be audited frequently. I do not recall where I read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2022-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XXXX my Victoria secret cards was accessed by a fraud person and they bought XXXX worth of product and had it shipped to Hawaii. I live in ga. I called Victoria secreXXXX who told me to call commity bank who owned the cc accounts. Commity bank and vs dont talk to each others and there system are not linked. I was bounced around and was finally told the fraud charge would be looked into and a complaint would be filed. XX/XX/15 I received a letter stating I closed my card which I did but I owes the money from The fraud charge. I called and waited on hold fo find out that they have a new system And can not access my account or any of my information! I was told to keep calling back every few weeks. How can a cc company not have a system thats works

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
On XX/XX/ 2022 I sent a notarized & mail certified letters to the company JD Byrider ; Informing the company of there violation against me as a consumer. I was charged an excessive amount of interest in the amount if 21 %. According to PAs Usury law This shouldnt have happened. The maximum amount of interest that can be charged for a loan or money financed under 50k must not exceed 6 %. This company has charged me more than 3x this amount. According to the law I am entitled remedy and I am exercising my right to claim such remedy. 
I demand for them give me what the law says I am entitled to which is 3x times the amount I was charged. This totals to approx. 74k in U.S. money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: PR

Complaint narrative:
ON XX/XX/XXXX I SEND A LETTER TO THE CREDIT BUREAUS TO FIX SOME ISSUES ON MY CREDIT REPORT, THEY DON'T FIX THE PROBLEM. 

ON XX/XX/XXXX I SEND A SECOND ROUND DISPUTING THE ERRORS ON MY CREDIT REPORT, THEY DON'T FIX IT. 

AND ON XX/XX/XXXX XXXX SEND A CERTIFIED LETTER, TRYING TO FIX A ACCOUNT THAT ITS STILL REPORTING OPEN, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. 
AND OTHER ISSUES ON THE LETTER. 
ATTACHED I INCLUDE THE LETTERS TO CREDIT BUREAUS AND THE CERTIFIED LETTER RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
ON XX/XX/XXXX I SEND A LETTER TO THE CREDIT BUREAUS TO FIX SOME ISSUES ON MY CREDIT REPORT, THEY DON'T FIX THE PROBLEM. 

ON XX/XX/XXXX I SEND A SECOND ROUND DISPUTING THE ERRORS ON MY CREDIT REPORT, THEY DON'T FIX IT. 

AND ON XX/XX/XXXX XXXX SEND A CERTIFIED LETTER, TRYING TO FIX A ACCOUNT THAT ITS STILL REPORTING OPEN, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. 
AND OTHER ISSUES ON THE LETTER. 
ATTACHED I INCLUDE THE LETTERS TO CREDIT BUREAUS AND THE CERTIFIED LETTER RECEIPT

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 2022-08-16 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2022-08-16 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
To Whom It May Concern, I have a medical collection for Harris & Harris that is currently reporting to the three bureaus. I also have a medical collection that was not reporting. Today, XX/XX/XXXX, I called Harris & Harris and spoke with XXXX to inquire about possibly settling the debts and having the one collection removed from my reports. 

XXXX advised me that, although I have been making monthly payments on both collections, that they decided to report the second collection to the bureaus on XX/XX/XXXX. I was absolutely shocked to hear this, as I received no notification that they were going to report it. It was also my understanding that by making monthly automatic payments to them, it would prevent them from reporting. 

When I advised XXXX of my concerns, she stated to me that it is completely up to them when they report ( she even mentioned reporting {$5.00} collections after only having them for a few days ) and that despite what I may have understood, making payments will NOT prevent them from reporting. 

According to XXXX, they received the collection in their office on XX/XX/XXXX. If the collection was received on XX/XX/XXXX and it was reported on XX/XX/XXXX, that is one month early from the required 6 months that a collection can not be reported, if you go by the regulations since XXXX. 

However, as of XX/XX/XXXX, the three major credit bureaus changed the amount of months that a collection company can report a medical debt over {$500.00} from 6 months to 1 YEAR. I have attached a screenshot with the changes and the dates that they take effect. You will see that only the practice of not including medical debt under {$500.00} will not take place until the first half of XXXX. 

The new collection being added will have a severely negative impact on my scores, and those points can only be recouped when the collection is removed. Therefore, it appears that Harris & Harris is in violation of the new rules and regulations set forth by the bureaus in what seems like an attempt to force full payment so that it will be removed from my reports. Harris & Harris is conducting what is essentially a bait-and-switch scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I keep getting calls from this company I have no idea what they want they call from different numbers and different locations I am currently unemployed. I lost my wife to XXXX I am struggling financially what ever they want I am not paying them please leave me alone and stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Personal information incorrect
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank ( PNC ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( www.pnc.com ) and it's representative allowed an unknown caller to change my address and add two additional phone numbers two my accounts on XX/XX/2022. Then through PNC normal processes, XXXX Credit reporting agency was updated with this fraudulent information. I was made aware of the issue through XXXX XXXX and XXXX XXXX XXXX of this change to my credit report on XX/XX/2022. A letter was received from PNC on XX/XX/2022 letting me know my address had been changed with no mention of the two phone numbers being added to my account.

After talking to PNC, although this was not an online or internet breach, I did change my UserID and Password and corrected the address on the accounts and deleted the two phone numbers. The address change was only made on two of multiple accounts I have at PNC. Those two accounts however represent XXXX XXXXXXXX of open line of funds. PNC did create a case, XXXX, to investigate the situation. They will update me in two to three business days as to their findings. A letter was sent to PNC requesting they remove the incorrect information and update my XXXX and any other credit bureau where this information was entered. 

My concern is the lack of operational controls where, based on what we know at this point, an unknown individual can provide what is considered " enough information '' to verify my identity to make the stated changes. On my account is my wife 's and my cell phone numbers where a text could have been sent with an authorization code for the PNC representative to move forward. Sending an authorization code has happened multiple times in the past with PNC when validating my authority. Although PNC does not consistently do this verification process, this step might have circumvented this situation from occurring. 

From an operational and procedural controls perspective, there should be stronger processes in place to ensure my and other PNC customers do not have fraudulent activity taking place. As the control mentioned above would have been a step in potentially preventing this situation and more controls should be identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a POA, dated XX/XX/XXXX, over my mother 's finances. She has XXXX XXXXs and does not have the capacity to even sign her name any longer. The POA was among the paperwork signed and notarized on XX/XX/XXXX, given to us when we opened a checking, savings, credit card and a XXXX account with XXXX branch in XXXX. The XXXX account has been closed for several months but has all the POA and Affidavit of POA in their system under that account. 
Several months ago, I went in my local XXXX branch to close the checking account. I handed the teller a courtesy copy of the POA, in case there were any problems. Up to that time I had been banking with the downtown XXXX branch without any issue using the POA. 
The teller took the POA and went to the Assistant Branch Manager XXXX XXXX ( XXXX ) XXXX. He gave me an Affidavit of POA, which needed to be notarized. So, I spent 3 days getting a notary because it was only by appointment. Then I asked to speak with XXXX XXXX 's superior, XXXX XXXX XXXX ( XXXX ) XXXX. He gave me more forms to fill out. On XX/XX/XXXX, XXXX XXXX called me and was very apologetic and admitted they found the documents from XX/XX/XXXX in their system. 
On XX/XX/XXXX, XXXX XXXX called me and informed they are not accepting the POA, even though it had been approved on XX/XX/XXXX and again by himself just a couple days before. I had already signed these forms to close my mother 's XXXX account, so I am in XXXX 's system, from either the XXXX or downtown XXXX branch. Why won't the XXXX branch close my mother 's checking and savings accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX is handling The public service loan program irresponsibly and sending misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX of 2021 thru XXXX XXXX 2021, I noticed that after Capital one reported the statement balance which was within 10 % utilization, they also reported in three instances charges that I was making on the card in between statement balances, which caused my credit to drop XXXX points on two credit bureaus each time and XXXX points on the other. A total of XXXX to XXXX points. I make it a point to keep my utilization within XXXX  % as I have been working hard to build my credit expecially over the past year. After several conversations with Capital One where they insist that they are not reporting the balances, and also calls to XXXX  and XXXX, I had no choice to turn to CFPB for investigation. I have also asked several times for the Capital One customer service supervisor to let me speak with their credit department to see if they are aware of the error so they can resolve it and prevent it from happening in the future but I am told I can not speak to their credit department. After I disputed the XXXX times this happened, I did see where XXXX of the times the balance was reversed back but, I was not given my XXXX points back. I am a small business owner and this is hurting my ability to raise the capital I need to upgrade. I need them to resolve all issues and prevent this in happening in the future. I will also be calling the XXXX credit bureaus to insure my points are returned so that I don't have to report them to you. Its not fair credit reporting to deduct my hard earned points in error and not return them when the error is fixed. Thank you in advance for your assistance with this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment.

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