vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: GA

Complaint narrative:
I have two unauthorized credit pulls for a VA loan on XX/XX/XXXX and XX/XX/XXXX. I was looking at homes online and ended up getting a hard credit pull for a pre approval when I was trying to ask questions about a home.

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 2023-12-04 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: GA

Complaint narrative:
I have two unauthorized credit pulls for a VA loan on XX/XX/XXXX and XX/XX/XXXX. I was looking at homes online and ended up getting a hard credit pull for a pre approval when I was trying to ask questions about a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have two unauthorized credit pulls for a VA loan on XX/XX/XXXX and XX/XX/XXXX. I was looking at homes online and ended up getting a hard credit pull for a pre approval when I was trying to ask questions about a home.

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 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Beginning in XX/XX/2023, my account was hit with numerous fraudulent transactions ( as indicated in the provided spreadsheet. ) I attempted to submit fraudulent transaction claims online but the system does not allow you to submit any type of online claim. I then called in ( as indicated by the online system ) and explained that I was receiving unexplained credits and debits to my account. I requested assistance in getting these debits and transactions to stop. Unfortunately, the bank failed to take necessary action. There have been a number of companies involved in this issue, including XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Prior to XX/XX/2023, I had never had any issues with these companies. At this point, the moment I deposit funds into my checking account, it is immediately debited. I asked Huntington to close this account and open a new one since they do not appear to have taken any action to prevent these companies from debiting money from my account and they have refused. They also refuse to stop the unauthorized transactions on my account. I tried to open a checking account at another bank and was denied, thanks to the severe credit impact caused by Huntington 's negligence. I have been unable to pay my credit cards because I need a checking account in order to make payments. At this point, my credit has been destroyed and I am forced to use cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: MO

Complaint narrative:
XX/XX/2023 Shows a company called XXXX did a hard inquiry. I do not know where this is stemming from. 

I have alerted the other companies and place an alert on my reports moving forward.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

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. 

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

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. 

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-12-04 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: MI

Complaint narrative:
My information was included in a data breach and I now have a lot of unauthorized inquiries and fraudulent accounts I have asked the credit reporting agencies to remove all items and still nothing is being done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My information was included in a data breach and I now have a lot of unauthorized inquiries and fraudulent accounts I have asked the credit reporting agencies to remove all items and still nothing is being done

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 2023-12-04 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: Innovative Funding Services, L.L.C.
State: NE

Complaint narrative:
I received a notice of adverse action on a loan I did not request. I inquired online via XXXX XXXX to explore interest rates but I never intended to request/apply for a loan. I want that credit inquiry and resulting notice of adverse action expunged from any files that have been created and held by Tesl. Also, if the action was reported to any third party ( e.g., XXXX ) I request that the report be rescinded and the record annotated to reflect that I did not apply for a loan from Tesl. Please note that I have contacted Tesl, the credit bureaus, and the FRC consumer support for assistance in these regards. Please note that I had no intention of applying for a loan from Tesl during my online inquiry of current interest rates. To be clear and for the record, I just want the notice to be rescinded immediately. I am not interested in, and have not applied for, a loan from Tesl. XXXX XXXX XXXX XXXX The company is : Tresl ( Innovative Funding Services ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting 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 am writing in regards to the above referenced debt to inform you that I am disputing this debt. 
Please verify the debt as required by the fair debt collection practices Act. 
I am disputing this XXXX XXXX debt because I do not owe it. Usc15

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XXXX XXXX I made a {$200.00} payment to Destiny Credit Card online amount for the month was {$89.00}. The payment posted from my bank on XXXX XXXX As of today my available credit is not reflected on my account. 
After calling credit company several times, I was inform that the company has the discrepancy to HOLD my payment for 14 days if they chose to for NO REASON. 
Can the card company do this with out giving a customer a valid reason? 

Also would like to know WHY my account is overdraw by {$21.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On Saturday XXXX ( around XXXX XXXX ) I went to PNC bank to the ATM located in XXXX NC. I wanted to deposit money into my XXXX Banking account. According to XXXX, I could use this ATM to make the deposit. I got to the ATM, followed commands on screen to make the deposit. Submitted the money, machine sounds like it was counting the money. Then message popped up on screen saying, " Temporarily out of Service ''. I waited about 5 minutes thinking it would spit the money back out, but never did. There was a phone number located on the machine that I called. It just said that the customer service dept was closed because it was after hours. I took a picture of screen with my cellphone so I would have some kind of proof. 
I got to work on XXXX ( Monday ), reached out to PNC back, they said I needed to contact XXXX. I reached out to XXXX, even spoke to a supervisor, and they both said it was on PNC. Called PNC once again and was on hold for XXXX minutes to be told the same thing. I need some advice on what to do, who's responsible for returning my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/2023 When i was booking a flight on XXXX XXXX a promotion posed up for an Advantage Citi Card. If approved I would receive uo to a {$200.00} Statement Credt, as well as, XXXX miles in addition I would be able to check a first bag at no additional fees on domestic flights. 

I opted to apply for this offer, was approved, and a temporary number, expiration date, and, Security Code came up On the screen to use when booking my flights. In addition, I had received an email informing me I was approved. 

I returned to the booking flight, filled out the information, and, when I got to payment, I went back to the page with the card details, which, unfortunately had timed out by then, and the information was no longer available. I loged back onto the account, but, it would only show my other Citi card account, not the new one. I contacted Citi Customer Service, and was told that the number I was initially provided did not exist, and they could not help me. I asked to speak with a supervisor, but, the call went silent, although, it did still appear to be connected. 

I made another call to Citi Customer Service, and this time, it seemed that they could see I had been approved for a new account. I was asked for a code word that I had just provided during the application, and answered it correctly. I was put on hold several times, and they did not seem to be able to assist me. Once again, I asked to speak with a Supervisor. The Representative seemed reluctant to transfer me to a supervisor as i had to ask 4 times before being transferred. At the time I was transferred, I was placed on hold for10-15 minutes before being able to speak to aSupervisor. Once I spoke with the Supervisor ( Someone who identified themselves as XXXX XXXX, she determined that there was nothing that could be done, until I received my card in XXXX days. She did offer a {$100.00} statement credit for my inconvenience. Mentioned that was less than the {$200.00} credit promised, and, there was no accommodation for the promised miles, nor, the miles for the pending purchase. 

I spent almost 2 hours in my attempt to have this issue resolved, and it seems to me as I should be able to receive the {$200.00} statement credit, along with the miles.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Billing Error amount of {$2400.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. 15 U.S. Code 1666b, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-12-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I sold my property located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX. The mortgage company was supposed to issue a refund check amounting to {$2600.00}. It has been more than 20 days and the mortgage company keeps giving me running around about the refund. The name of mortgage company is Specialized Loan Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO 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 2023-12-04 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: GA

Complaint narrative:
On XX/XX/XXXX I Received a Correspondence From XXXX XXXX XXXX XXXX. That I Cant Limit Sharing of my Non public Information which is Private. They Have Furnished Inaccurate and unreliable information. I am Opting Out of Sharing of all my Information Under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my credit report, I have not received an opt-out notice as required by law. I request that you investigate and rectify this matter promptly. 

Furthermore, I would like to emphasize that XXXX, TransUnion, and XXXX are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. 

I am committed to safeguarding my financial privacy, and I trust that [ XXXX, Transunion XXXX XXXX ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Exhibit A Attached

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 2023-12-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I Received a Correspondence From XXXX XXXX XXXX XXXX. That I Cant Limit Sharing of my Non public Information which is Private. They Have Furnished Inaccurate and unreliable information. I am Opting Out of Sharing of all my Information Under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my credit report, I have not received an opt-out notice as required by law. I request that you investigate and rectify this matter promptly. 

Furthermore, I would like to emphasize that XXXX, XXXX, and Equifax are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. 

I am committed to safeguarding my financial privacy, and I trust that [ XXXX, XXXX XXXX Equifax ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Exhibit A Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
I have a duplex in XXXX Connecticut that is mortgaged by PennyMac mortgage co. I have insurance on that property from XXXX XXXX XXXX. Every few months I get a letter saying I don't have insurance. I call them, they say oh I see the issue we will fix it. They tell me its fixed and it never is. I have tried to deal with this at least 10 times over 3 years. Each time I'm told its resolved and a few months later it happens again. They have even purchased insurance on my behalf out of my escrow fund even though I have shown time and time again the issue is on their end. Most recently, they just didn't pay my premium causing my insurance company to drop coverage. Now my property isn't covered and I may end up paying more for insurance. I can not keep doing this. I pay my mortgage, I have insurance, I feel like I'm being harassed!! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the change. Im trying to buy a home for my family and because of these items, I am unable to be approved. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you!

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Original 6 month deferred interest payments on CARECREDIT/SYNCHRONY BANK account XX/XX/ for XXXX work for {$11000.00}. I set up 'auto-pay ' plan for monthly payments of {$1000.00} starting XX/XX/. All statements were sent on line. This was connected with my SAMSCLUB/SYNCHRONY BANK statements on line. I made 6 'Auto-Payment ' of {$1000.00}. through my XXXXXXXX XXXX  Account. When my Sam 's Club Card was 'reported as scammed ' in XXXX, my on line statements were 'frozen ' ... I was unable to access information on ALL of the SYNCHRONY Bank accounts. This resulted in my being charged " Interest '' of {$1300.00} on XXXX when I didn't have access to my accounts on line... where all reporting was done. I didn't receive any notice of this at that time! Then, on XXXX  I was charged another {$140.00} interest, before I was able to pay the Balance In Full. When I called Customer Service, they said I should have know the 'Contract ' language and there was no recourse to waive interest charges. I feel this was unfair and left me no other choice but to contact Consumer Financial Protection Bureau for help! As a XXXX  ( XXXX yrs. old ), on limited income, this is a extremely hardship to have interest continued to be added on an account I wanted to pay off as I was expecting to do. Thank You for your assistance in this matter.

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