vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' let 's be clear that I am not asking you to validate or verify anything. So please don't respond by telling me that cause that would be a waste of my time. Some of the negative accounts have been placed in Collection/charge-offs, late payments/ other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns relating to the Cancelation of indebtedness by certain entities. If this derogatory account information is not deleted from my consumer reports within 30 days I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for award for original information overview with the IRS against ALL entities involved

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 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime has frozen my account and is refusing to accept the documents I sent now requesting bank statements which I can't access because they were my only banking account and it's frozen, I have over 8000 in that account and no access to it also my social security check is deposited in that account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST HAWAIIAN, INC.
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX my wife and I spoke on the phone with a First Hawaiian Bank banker ( XXXX XXXX XXXX at the XXXX, XXXX branch to setup a payment for the current and past due amount of {$630.00} using her FHB personal checking debit card. The payment he processed was only {$280.00}, leaving us a balance due of {$350.00} for XX/XX/XXXX. Basically, FHB personnel is not allowi g us to make a debut card payment online or over the phone. The car is in my name. Due to the XXXX lockdowns my wife lost her job in XXXX and we moved to California to find employment in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
Aspire credit card continues to unfairly charge me late fees. I have recently submitted a complaint against said company and got some feedback. However, before I could update my accounts to compensate aspire reinstating the account back active again. They just charged me excessive amounts of fees though the years. My balance should be {$340.00}. They reinstated my balance to over the credit limit immediately!! Unfair business practices at its best!!!! Please have aspire credit card to remove excessive charges from my account so It can rightly be in good standing! Lastly, they just charged me {$41.00} late fee and the account isnt even a week back active!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
In XX/XX/2023 I faxed information to Pennymac to change my homeowners insurance policy company, from XXXX to XXXX. Shortly after I received a letter from XXXX, which is my new homeowners insurance, stating that they would cancel my policy because Pennymac had not responded. I called Pennymac again and was told to upload it to the message center on their website, so I did. I called a few weeks later and they still had not updated my homeowners insurance policy. So again I uploaded my information. Somehow I am XXXX on my escrow account so today, XX/XX/2023 I jumped on the website to see what was going on and they still had not updated my homeowners insurance. I called and they told me I had not uploaded anything. After finally being able to update my insurance information they told me I would have to call XXXX to get the money back that they have been paying them for 2 months, even though I had cancelled the policy. I fail to see how this is my responsibility when I have done my due diligence to correct this information. The lady told me that the stuff that is uploaded to the message center is sent to customer service. If thats true why was I even told to upload it there if it doesnt get to the correct place! I was so frustrated I still dont know why I am XXXX in my escrow! How can you trust a company that cant even get your insurance information updated in a timely manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting 2 account for XXXX XXXX opened back in XXXX XXXX. 
One account is open an a good status the second is charged off. After I pulled my credit report and found out.I contacted the credit Bureaus and I file a dispute requesting proof, evidence of why they open 2 account same day and validation of the debt, I did the claim over the phone and also by mail.

I did contacted the community bank too, and after customer services pulled my info the told the charge off account was open with a different address they transfer me over to the fraud Department they listen my request and asked me to send a mail to formal start a dispute, I was also contacted to a Collection company who claim to own the account I request the same thing and the only send me a letter asking me to pay the debt, not one has been provide my request. Also if they sold the account to another company why they are reporting to my credit. 
How come 2 accounts was opened under my name same day and I was only aware about 1 account, even XXXX XXXX XXXX XXXX confirmed that in their system show I have 1 account in good stand they are fail to provide any information.

I am requesting proof of the 2 credit applications with validation of the debt and any documents relate to those 2 account
s or they need to delete the second account.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX is reporting 2 account for XXXX XXXX opened back in XXXX XXXX.

One account is open an a good status the second is charged off. After I pulled my credit report and found out.I contacted the credit Bureaus and I file a dispute requesting proof, evidence of why they open 2 account same day and validation of the debt, I did the claim over the phone and also by mail. 
I did contacted the community bank too, and after customer services pulled my info the told the charge off account was open with a different address they transfer me over to the fraud Department they listen my request and asked me to send a mail to formal start a dispute, I was also contacted to a Collection company who claim to own the account I request the same thing and the only send me a letter asking me to pay the debt, not one has been provide my request. Also if they sold the account to another company why they are reporting to my credit. 
How come 2 accounts was opened under my name same day and I was only aware about 1 account, even XXXX XXXX Retail Store confirmed that in their system show I have 1 account in good stand they are fail to provide any information.

I am requesting proof of the 2 credit applications with validation of the debt and any documents relate to those 2 accounts or t
hey need to delete the second account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: AE

Complaint narrative:
On XXXX XX/XX/2023, I opened a high yield money market savings account with Vio bank. I am a military member overseas and XXXX while convenient for military members does not have decent interest rates so I wanted a supplementary account for my accessible savings that would make more interest. I got a notice on XXXX XXXX that my account was ready to go. I funded it with a {$1000.00} transfer from my XXXX account, and when I got paid I scheduled another {$5000.00} transfer. I received an email on XXXX XX/XX/2023 that the transfers failed because " The account you are transferring to can not currently be used for transfers '' according to an email. I tried to log in but it said my log in did not work and to contact customer service. I tried to call, but since I am overseas, the time difference makes it difficult to call during their opening hours. I emailed, and they told me to call. Today I received an email that my account was closed with no explanation. I stayed up late to call the bank and try to figure out why and they said they closed it per their terms of service and would be providing no further information. I requested to speak with a supervisor and they said one would call me, and then hung up on me. While I was on the phone with customer service demanding information, I said this better not impact my flawless credit history just because they closed a bank account with no explanation. I can not imagine what could possibly be the issue other than I am a military member overseas. I have my home of record in Iowa at the house that I own and maintain a residence. We are in XXXX under orders pursuant to the XXXXXXXX XXXX XXXXXXXX. It is not like we are expats. I wanted this account so my savings could actually make some money for once but after dealing with their awful customer service, really all I want is to make sure there is nothing negative on my credit history just because they refused to let me transfer money to a bank account they approved.

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 2023-09-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: NM

Complaint narrative:
I have had a Paypal account that included a debit card for use in transactions for selling the jewelry I create and sell. Having cash that I wanted to place into my account, I purchased another prepaid card at a XXXX XXXX XXXX ( XXXX ) in XXXX, NM on XX/XX/2023. The card was loaded with {$100.00} plus the additional {$4.00} # # fee. I assumed the process would be fairly simple, but found it to be tremendously impossible. I downloaded the app as instructed and provided the information needed. Whether on the app or online, the processing never goes beyond the entry of the last four numbers of the social security card number. 

I called and in several attempts may have had the card activated, but little to no information effectively shared via app or website. I am a savvy individual and up to speed with technology. I am a professor at a university and this is like nothing I have experienced before.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OK

Complaint narrative:
I have a shared debt with my ex to Jefferson Capital Systems , LLC. that was escalated to a debt collector XXXX XXXX XXXX XXXX XXXX ) in XXXX. 

First of all, I tried refinancing with Jefferson Capital Systems and told them that if they couldn't refinance with me I wouldn't be able to make my payments, as my ex ( the co-owner on the car ) backed out of his share on payments when we broke up. They would not even consider it. So I had to voluntarily surrender my car. 

Secondly, I was never served ( I never received a summons! ), yet somehow I ended up sued. Apparently the summons went to my ex 's address and I didn't know about it until my ex told me what happened after the fact. Nevertheless, I made a payment arrangement with XXXX XXXX XXXX XXXX, the debt collector. 

I had been making automatic monthly payments of {$50.00} to XXXX XXXX XXXX XXXX since then ( XX/XX/XXXX ) until XX/XX/XXXX, when I changed banks and forgot to update my payment method with XXXX XXXX XXXX XXXX, and my payments to them stopped. The last payment was on XX/XX/XXXX. 

Nobody ever contacted me in any way to try and collect the debt again, but my boss got a letter in the mail yesterday ( XX/XX/XXXX ), stamp dated XX/XX/XXXX, from the state to garnish my wages. 

I called XXXX XXXX XXXX XXXX this morning at XXXXXXXX XXXX  and asked if I could continue making my payments and they told me no, it was too late. Then the lady I was speaking with told me the state already took over {$500.00} out of my check on XX/XX/XXXX, which isn't true. I got paid my regular amounts on the XXXX and the XXXX, and I verified with my boss that nothing has been garnished. She flat out lied to me, giving me false information that wouldn't even be XXXX XXXX XXXX XXXX 's concern anymore. 

I also have call recording on my phone, but somehow they blocked recording, which makes them even more shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I opened up another account for my daughter. She is a minor and we only wanted to use the account for her allowances. When we signed up they told me we need to use direct deposit to avoid the service fees or have {$1500.00} or more on the account. We have been using direct deposit. But in XXXX they charged us with service fees and I went to one of the branches and asked why I am being charged with a service fees. They told me that I did not have {$1500.00} or more in the account. So I told them we did direct deposit to avoid the fees. And that my daughter is a minor and she is under my name as a joint account and I have more than {$1500.00} or more in my account. They said it works separately. Thankfully they refunded the service fees. And then I went and put more money in my daughters account from my account to have {$1500.00} or more. They still charged us again. I went and asked why am I being charged now. They told me that there was a period of time when there was not enough money in the account that exceeded {$1500.00}. And to avoid the service fees I have to do a direct deposit of {$250.00} or more which they never told me. I asked them when I was signing up a out the amount of direct deposit and they told me ANY AMOUNT. But now they changed there words and now all of the sudden asking for {$250.00} or more direct deposit a month. Its a minor account for allowances. I am getting frustrated by them changing words every time I go in there. It does not say it in the papers either. And when I was there trying explain they lady there did not listen and she just cut off and talking and she kept saying her things.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have Twenty one unauthorized inquiries on my report without my permission /Knowledge. Hard inquiries that were pulled without your request can be removed from your credit report under the Fair Credit Reporting Act.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have Twenty one unauthorized inquiries on my report without my permission /Knowledge. Hard inquiries that were pulled without your request can be removed from your credit report under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1 ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the accounts in question is XXXX XXXX XXXX XXXX  Account number XXXX  Reporting to ( transunion, XXXX ) in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. I am requesting that these accounts be removed from my reports. 

2 ) XXXX XXXX XXXX XXXX  Account number XXXX Reporting to ( transunion, XXXX ) has my address listed as XXXX XXXX XXXX unit XXXXXXXX XXXX XXXX NY XXXX is inaccurate and I have never resided or collected mail at this address. 

3 ) I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I am requesting that this account be removed from my reports. I am requesting that this account be removed from my reports. for damages for violating my consumer rights and perpetration fraud against me, destroying my personal credit, and preventing me from obtaining a Home mortgage, consumer financing, and business financing.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are Unauthorized Inquiries on my credit report. I want them to removed from my credit report immediately.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are Unauthorized Inquiries on my credit report. I want them to removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I've opened high yield saving account with Affirm. Inc, deposit {$5000.00} then withdraw into my other bank. They freeze my account right after that for no reason.

Company response to consumer: Closed with explanation