vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket Mortgage failed to make my insurance payment in XXXX of XXXX, resulting in a nonrenewal/cancellation of my Homeowners Policy. This went unnoticed by myself and them until I failed a claim in XX/XX/2021 with the insurance company. At that time after numerous calls to correct the problem Rocket Mortgage put in place a " Lender Placed Policy '' at the cost of $ XXXX and backdated it to XXXX of XXXX. The policy they replaced includes no coverage for any personal liability. After contacting both Rocket Mortgage and XXXX, the policy issuer I was told they would mirror the original policy. I have requested proof of coverage a number of times in both calls and emails but no written policy has been provided. XX/XX/XXXX of this year they debited my escrow account {$1100.00} for the coverage issued on XXXX XXXX. I obtained a new policy of my own in XXXX due to this high cost, so the policy was in effect approx. 30 days. Under Florida Statute 501.137 if a lender fails to make the payment from escrow, they are required to pay any costs incurred above the previously issued policy, for a period of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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:
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX XXXXate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/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 explanation
Consumer complaint received 2022-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized EQUIFAX MORTGAGE XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized EQUIFAX MTG Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized EQUIFAX MTG Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: NY

Complaint narrative:
I've already given you a certified letter about some negative information on my credit report. However, your company failed to delete accounts that are unverifiable and unrelated to any of my addresses, so how are these accounts verified? You did not successfully remove and delete the disputed items. I'll say it again : the Fair Credit Reporting Act requires you to follow the law.

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 2022-05-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: CO

Complaint narrative:
XXXX XXXX, I am trying to receive a loan through my lender, but they are only able to pull my information through XXXX and XXXX, however, Equifax is not cooperating. I am closing on a house next week ( XX/XX/XXXX ) when I was originally supposed to close on the house on the XXXX, and the only thing that is stopping me is Equifax. I called Equifax on XX/XX/XXXX and I was told to fax a copy of my Social Security Card and ID to ( XXXX ) and I did that same day. The following day ( XX/XX/XXXX ), I called again which I escalated things to a supervisor and he advised me that they were not accepting fax 's since XX/XX/XXXX and I could only mail my information which I overnighted on ( XX/XX/XXXX ). I have faxed very important personal information to some random fax and I do not know what to do with that flying piece of information. I was so desperate for help and guidance that I reached out to Equifax on XXXX, which they responded that I was going to receive help within two days and I later received an email asking me for lots of personal information again. My case number is ( Case # XXXX : Social Media Case ) and I have not received any information since yesterday. Please, I am in desperate need of help and the only thing stopping me is Equifax. I am doing everything I can in my control to settle things, but Equifax is not cooperating. I have called an average of 4 times since XX/XX/XXXX and have spent over 10 hours on the phone trying to resolve my problem but there is no easy way. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MD

Complaint narrative:
My Discover credit card has an unauthorized charge. The card is lost. I mailed a charge back letter to discover, but till date discover has done nothing. The content of the letter is as follows : XXXX DiscoverBankChargeDispute DiscoverBankGeneralCorrespondence XXXX XXXXXXXX XXXX XXXX, XXXX Re : XXXX Name : XXXX XXXX, XXXX, XXXX, XXXX Email : XXXX XXXX Phone : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Merchant : XXXX XXXX _________________________________________________________________________________ XXXX, XXXXXXXX XXXXFurthermore, XXXX XXXX : XXXX XXXX, XXXX XXXX. Note : XXXX ( XXXX  ) XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: MI

Complaint narrative:
on. for 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 XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX FOR XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : {$700.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Date XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$520.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  XXXX Account # XXXX Date XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} XXXX Account # : XXXX Date XXXX Balance : {$13.00} XXXX  XXXX Date XXXX Balance : {$160.00} XXXX XXXX  XXXX Account # XXXX Date Opened XX/XX/XXXX Balance : {$1900.00} 15 U.S.C 16 81c. ( 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XXXX different occasions I sent in letters to Transunion to investigate/verify a few credit accounts. Transunion sent me XXXX stall letters claiming that I am a credit agency working on someone behalf. I responded back letting them know that I am working on my behalf and I need you to investigate these accounts. They did no investigations but instead sent me my credit report twice. Transunion is violating my rights to have these accounts investigated. Please follow up with them.

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 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Ive had issues with PNC Bank since they acquired XXXX. I would have NEVER chosen them after the 8 month experience I have had. 

Since XXXX of XXXX, I have not been been able to log into my account via mobile or desktop to pay my bills. Finally I was able to just pay the balances through the phone which inconveniences me because I have to wait on the line. Moving forward to XXXX when I finally had access to log into my account I would be denied of adding external checking accounts and errors would appear on the desktop version ( mobile does not permit adding external accounts ). It was implied it would be easier if I would just create a checking account with them, in which I do not need. When I reported this issue with them they brought up to tier 3 support and told me that they would call me back. I never received a phone call or email in regards to the case. On my final decision to just continue to make payments via phone, I go ahead and make a phone call and pay with an automated option. I paid for the balance, the money was removed from my external checking account, and later then deposited back and then was sent a later that the payment did not go through. PNC has made it impossible to pay for credit card bills unless you have a checking account with them and that is predatory. I finally called again last Monday to pay the remaining balance and asked the agent to ensure that if I pay that balance it goes through first ( this is voice recorded on their end ) and proceed with cancelling my account. I was assured that would be the case. One week and one day later, no balance has been removed for my last payment, and the account is closed so I am unable to log in to see what is the hold up. I have worked so hard to raise my credit score over the years, and am mortified to see it go down due to PNCs negligence. Please help me, I do not want this to happen to anyone else. They do not value their customers, most especially anyone that came from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
I was advise by XXXX, Equifax that my XXXX Bankruptcy was given to them by a third party that was furnished by the court. I contacted the court by mail and the court stated that they DO NOT give out personal information I submitted the needed documentation to the credit bureau to remove this item from my credit profile and this still has not happened. 
15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had a lender try and pull my credit report for three weeks now. Every time they pull it come back with repository system error from Equifax. I have called in over 20 times about this, staying on hold at least two hours each time. I have been refused a supervisor and told it was my fault. I have been hung up on when someone refuses to help. I have also been told they refuse to escalate the situation because nothing is wrong. When I finally got the speciality department they told me they are the problem but would have to call me back in 24-48 hrs. I did not receive one call. When I returned the call to find out why the representative told me nothing is wrong and they refused to escalate the situation. This is the worst customer service I have ever dealt with. I speak to reps giving fake names and refuse to get supervisors each time when they clearly cant fix the issue. One rep lied and said she couldnt pull my file, then when I asked to speak to supervisor she then said she would pull it. I refused. Finally got supervisor after an hour wait and they pulled it but then hung up on me again. This has happened to me before when my file was mixed with someone elses and I had fraud. I tell them that and they act like I dont know what Im talking about. This is for a mortgage and creating issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
My account recently changed from XXXX to this company. Recently I noticed that I had a negative balance for my rewards. I have not had any returns or credit to my account so I don't know how a negative balance can even happen. On XX/XX/2022 I contacted the company via their secure message center to find out what was going on. On XX/XX/2022 they responded and said I needed to call customer service. On XX/XX/2022 I responded and said for my protection I want all correspondence to be done in writing. On XX/XX/2022 they responded and requested I call again. I responded and told them I would find ways to file complaints and we can go that way because I want the protection of the information in writing. I don't want someone to lie to me on the phone. This sort of behavior seems really unethical by the company. What are they trying to hide that they don't want to put the answer in writing? Are they doing something wrong? Illegal? Do then not want to admit that they stole my rewards and gave me a negative balance in writing because they know that I am entitled to those? Are they just like most large companies where they try to take advantage of low customer. I think we need some answers her and for the company to address this unethical behavior. 
It seems the company doesn't want to use the secure message center they have on their site. For that reason, I request that the company contact me in writing either by my email or by the regular mail. I've attempted to use their system and they have shown the inability to answer the issue that way, so to ensure I get a response, I have giving two reasonable options for the company in contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I mailed a cashiers check XX/XX/2022 for the full payment on a debt owed to Portfolio Recovery and the debt is still showing as unpaid as of today. I spoke with a representative a week ago who stated that they had not received the payment. I tracked the check through USPS which stated that the check was in fact delivered to them in XXXX of 2022, the check has not been cashed as of last week. I have spoken with multiple representatives who have informed me that they are looking for the check in the office and for me to continue to call back to follow up. I informed the representative that I would like to rectify this situation and clear this balance seeing as though Ive made the payment almost two months ago. The representative disconnected the call at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
To whom it may concern, I was going over my credit report and found this account ( Wakefield and Associates ) on all 3 of my reports. I 1st tried to contact Wakefield and Associates by phone on XX/XX/2022 to have them send me any information on this medical bill debt. I received no answer from the number provided on my credit report. I then disputed this debt with all 3 credit bureaus over the phone and they came back as being verified. So I then sent a certified letter to Wakefield and Associates on XX/XX/XXXX asking them to please send me information to verify this debt, I did not receive anything from them. I sent one last letter to all XXXX credit bureaus asking how they verified this medical bill to be mine and correct and I have not received anything but an alert on my reports that this medical bill was again verified. I also sent one more certified letter to the collection company Wakefield and Associates on XX/XX/2022 and still have not received anything to verified this debt. This company is also adding {$3.00} almost every XXXX  weeks to this debt. So if they can add more money to this collection every XXXX weeks or so they can answer the letters I have sent as well as a call I placed to get answers. I am trying to do the right thing and its making my score drop and keeping me from reaching my goals of homeownership and I am now at the end of my rope and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I sent a letter through certified mail to Eastern Account System in relation to the alleged debt they are claiming I owe through furnishing information to my consumer report stating I owe {$340.00} to the alleged original creditor XXXX  XXXX XXXX. I sent a letter of Debt Validation pursuant to 15 USC 1692g. This company flat out ignored my request. I sent this letter of request and they received XX/XX/XXXX. I know this because I sent my request through certified mail. This is bad business as well as a clear violation of my rights. Especially since they are acting as a debt collector to an alleged debt they have no right to collect on. They even have the wrong dates of this alleged debt. They state this alleged debt started XX/XX/XXXX when I have been living in an apartment I don't have to pay for gas for the past 2 years. So how can I have a gas debt starting last year.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation