vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover is reporting a debt on my XXXX report as being owed. This is inaccurate. I do not have a signed contract with this company nor an agreement stating I owe this account or company. I have now submitted disputes to all the bureaus accounts for them to validate this debt on my report and to provide the written and signed contracts reporting the debt. This company is violating FCRA consumer laws by reporting inaccurate information and I am requesting that this account be removed from my credit file immediately. All this is causing me so much emotional stress and I will move forward with legal action if not. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: PA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Bank : Truist Account : XXXX XXXX  account Opened the account on XX/XX/2022 with a promotion code XXXX, direct deposited and finished all the requirements for the {$500.00} bonus. 
Last call on XX/XX/2022 for the missing bonus and was told by the representative that they can't give me the bonus because my account was locked and closed by them back in XXXX. 
They also refused to give back the money I have in the account unless I visit a branch ( the closest one is 2 hours ' drive from me ) even though they already closed my 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 non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I got scammed on XXXX by someone who has tickets but wasnt intending to sell them to me. They got about {$390.00} dollars off of me before they decided they were going to keep my money and the tickets before blocking me on XXXX and leaving me without my money and without the promised tickets

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: CA

Complaint narrative:
I did not consent to the following inquiries listed on this report, nor did i benefit from them, please block and remove them please

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please see my correspondence in accordance to law attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: BANCO POPULAR DE PUERTO RICO
State: NJ

Complaint narrative:
Banco Popular De Puerto Rico removal from XXXX, XXXX, and XXXX XXXX from my credit report. date XX/XX/2020 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Our loan provider Has in accurately reported my account as delinquent 90 days, which is not true. When called to inquire, the repXXXX Was not helpful and couldnt give me any information when my statements show that i paid what was due. I should not have been marked delinquent 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
It has been more than 9 months that I applied for a loan and now they tell me they need : " I wanted to follow up on my voicemail message, the final review has been completed on your loan and it is ready for clear to close however there is one additional item needed. The current credit report has expired due to it being pulled when the first application was completed before switching to a 10 year XXXX. We do need to renew the report in order for underwriting to clear the loan. Please advise if we have permission to do so and I can send to clear to close after updating. I can also request the fee be covered by Navy Federal as well. '' Thank you, XXXX XXXX Mortgage Processor XXXX # XXXX XXXX f : XXXX XXXX : XXXX | M-F, XXXX EST And yet they want us to re-submit a new credit report!! after they sat on the paperwork for more than 9 months!!! I will have to pay higher mortgage rate because of rising interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
n accordance with the Fair Credit Reporting act US DEPT ED 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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
1

5 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 explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: NC

Complaint narrative:
I have/ had insurance during the time of the medical visit. I uploaded the documents from my insurance company and the previous debt collection company removed the collection from my credit report. A new debt collection company has resubmitted the collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I note that I am the homeowner and XXXX XXXX XXXX widow of a XXXX XXXX veteran of XXXX ( XXXX XXXX XXXX and XXXX XXXX employee. On XX/XX/XXXX, I took a {$640000.00} loan ( Option One - Opt XXXX loan ). Subsequent bank is XXXX Bank, servicer sequence is : Ocwen/PHH/XXXX. Ocwen/PHH state that no payment has taken place since the property 's foreclosure status - as of XX/XX/XXXX. However, there is a satisfaction piece dated XX/XX/XXXX, but it was never recorded and has disappeared from the XXXX XXXX Clerk Website in XXXX XXXX, NY. I have a copy of the satisfaction piece ( as well as other data confirming the payoff ( credit repair company was informed by Ocwen in writing that the loan was paid off, and an IRS form stating same ). In addition, all the signatures after XX/XX/XXXX, on ALL paperwork ( including subsequent refi applications/modifications ) are not mine - someone has falsified and forged all relevant signatures, of which I have proof. Moreover, no one has apprised me of any assignments that haven taken place either. I have ALL the forged documents and have come to find out that someone other than myself has attended settlement conferences in my stead - facts that I have apprised XXXX Bank, Ocwen/PHH/XXXX of XXXX but apparently to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I went online to check balance on a " Vanilla visa gift card '' it had {$13.00} left of original {$100.00}. When I went to store to use I was told there was XXXX  cents left. 
When I went to check balance online could see that numerous charge for XXXX cents and {$1.00} were made to " XXXX XXXX ''. 

I feel the website was hacked since it took be to an illegitimate website from the real one. When I called the number on the back of the card XXXX XXXX XXXX XXXX, they were unconcerned about their websites security and told me to call back in a week. 

I am not as concerned about the {$13.00} as I am about the scam and the cards lack of concern and that is why I am reporting to you in hopes that these scammers can be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
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 2022-07-05 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: PA

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
1.Account Name : XXXX Account Number : XXXX Amount : XXXX Date opened : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

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. 
XXXX XXXX # XXXX, XXXX, XXXX, XXXX, 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 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 ) X1 ) 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 2022-07-05 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: FL

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. 
XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
1

5 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 ) X1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Dear Sir or Madam : I am filing a complaint against Foster & Garbus LLP. They sent me an income execution for a credit card balance in XX/XX/2022. Therefore, I reached out to them early in XXXX and started a payment plan of {$120.00} every two or sometimes every XXXX days as per the XXXX 's agreement. However, they are now notifying me that they haven't received any of my payments. I have my statements and receipts of all payments I made since XX/XX/2022. 

At this point, I highly suspect that they are holding my funds and not applying payments to my balance, and I would like to file an official complaint against the office of Foster & Garbus LLP for fraud. 

Can someone from your office look into my claim and let me know what my options are, and how can I get the Foster & Garbus office to apply all my payments of {$1200.00} to my current balance of {$2000.00}. 

Thank you for your consideration and I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: CA

Complaint narrative:
I submitted a letter dated XX/XX/XXXX to Equifax with copies of my bankruptcy schedules, Case numbers, discharge dates, credit report, creditor report, trustee report, and dates of last payment on my account with XXXX XXXX. I originally filed XXXX XXXX under in XX/XX/XXXX for XXXX XXXX and the delinquent date of last payment on the account is XX/XX/XXXX. My bankruptcy was discharged on XX/XX/XXXX. All creditors were informed, during this time XXXX XXXX never attempted to collect the debt. I filed again for XXXX XXXX bankruptcy as joint with my husband. I listed XXXX XXXX again as a creditor ; however XXXX XXXX did not file a claim as a creditor even though XXXX XXXX received notification from the bankruptcy court, so no payment was made to them. What XXXX XXXX and Equifax have done is to re-age my credit report from the last payment of XX/XX/XXXX to XX/XX/XXXX, the date I filed my bankruptcy. They can not do this. This account is not showing on any other trade lines and I want it off my Equifax credit report. I have provided all of the information necessary in my letter of XX/XX/XXXX and Equifax 's response of XX/XX/XXXX is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: AL

Complaint narrative:
I am filing this complaint in response to FEDLOAN SERVICING 's stunningly incompetent handling of my Temporarily Expanded Public Service Loan Forgiveness application. They received my initial application on XXXX XX/XX/XXXX. I received no correspondence from them until around XXXX XXXX when I received a letter from them stating my application had been rejected because it was " illegible ''. I called on XXXX XX/XX/XXXX to find out what was wrong with my initial application, and I was told by one of their employees after waiting on hold for more than three hours that my supervisor had lined through an entry without initialing the correction. She said that my options were to have my supervisor contact them to resolve the issue or to file a new application. I called my supervisor on a conference line and she asked what his full name and job title were. He provided the requested information and she said that the error had been fixed, but that it would take a couple months to work through the system. I called in XXXX and was told that no action had been taken on my application due to the tremendous number of applications that had been received, and that it would probably take a couple more months. 

I called on XXXX XXXX and after waiting on hold for more than five hours was informed that they had no record of my calling at any time after the initial rejection and that I had to file a new application under the TEPSLF program. I have the names and employee ID numbers of every person that I talked to on XXXX XXXX. I understand that they settled a lawsuit for their completely inept handling of the original PSLF program, I believe that someone needs to investigate their handling of the expanded program as well, since I believe it is incredibly unlikely that I am the only person that was harmed by their total incompetence.

Company response to consumer: Closed with non-monetary relief