vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I received a letter from my homeowners insurance company on XX/XX/XXXX that they wont renew my policy and it will expire XX/XX/2023. Pennymac thought it was a cancellation ( even though letter clearly states my policy isn't cancelled and it will just be a nonrenewal at the end of the policy period ) however my agent and myself notified Pennymac of the changes in XXXX so they are aware. I am attaching proof that I had coverage during XXXX and there was no lapse in coverage. 
At the end of XXXX, I received a letter from Pennymac stating I need to show proof of HOI coverage date XXXX because it shows I didn't have it. I initially emailed them ( will attach proof ), the messaging center could not help. So I called them in XXXX to sort it out and state I did have insurance during that time period. The agent from Pennymac called the insurance company to verify and assured that it was resolved. In XXXX, I received a final notice stating I need to show proof of coverage or they will purchase lender provided coverage of {$3200.00}. ( I'm not understanding why because I contacted them several times ). I ended up faxing the information AGAIN to them on XX/XX/XXXX ( I will attach proof of fax ). They never reached out but they said they received the documents in my account info. I thought it was settled until Pennymac proceeded to DEFRAUD me and take money out of my escrow in the amount of {$3200.00} on XX/XX/XXXX for their preferred mortgage lender even though I showed proof several times that I had HOI and no lapse in coverage. 
I didn't get a notification that they did that until yesterday, XX/XX/XXXX in which I called Pennymac. They said they will get it resolved and refund me the {$3200.00} and cancel the preferred lender policy, I asked for proof that this was done and they stated i will get an email. HOWEVER today I received an email stating my account policy can not be updated. I am frustrated regarding this unresolved issue. Not only that Pennymac DEFRAUDED me and stole money out of my escrow account and ignored all the proof that I had an active XXXX policy,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-02-02 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: TX

Complaint narrative:
I earnestly request that you take this off my credit report since it doesn't belong to me and is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: MD

Complaint narrative:
At convenient times for reporting my credit score is lowered due to the negative reporting of XXXX. Most often XXXX to XXXX point decrease. 

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section two, it also states that consumer reporting agency can not furnish and I can account without my written instructions under 15 USC is 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Can you help with the credit let me know if you have late payments?

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 2024-02-02 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:
I want to refile this please as my formal complaint to EXPERIAN for still allowing the fraudulent accounts on my credit report. I filed an identity theft with the FTC XXXX XXXX XXXX. As I rechecked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XX/XX/24 On XX/XX/24 THE DEPT OF VETERAN AFFAIRS deposited XXXX into my account with Jp MORGAN CHASE told me they are withholding my federal VA BENEFITS for an extra 2 weeks and will then send my benefits back via mail in a check.

I want my funds in order to pay my rent of {$1700.00} due on the first with a 8 % late fee applied on day the XXXX! 

I have car payment. I need food and gas and to pay electric bills. 

I can not afford to have my monthly benefits withheld and then mailed in a check! 

Please allow me to withdrawal my federal XXXX XXXX  timely. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: TX

Complaint narrative:
I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits.

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-02 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: Kikoff Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I had a credit score of XXXX amongst the three credit bureaus. Between XX/XX/XXXX and XX/XX/XXXX, your credit card account with KIKOFF/CCB was removed from your credit report. This was not my account, I did not sign up for this, I had no knowledge of this. As a result my credit scores dropped 28+ points. After reaching out to kickoff I was told that this was a reporting error and that it would be removed. As of XX/XX/XXXX it has been added, removed, and added again ( still on my credit report ). As a result of this my credit scores are down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
To whom it may concern, I filed a dispute with Chime Bank on XX/XX/year>. It was an unauthorized transaction from XXXX XXXX in the amount of XXXX. I was supposed to receive a provisional credit by XX/XX/XXXX or have an update on my claim by XX/XX/XXXX. I called for an update today to find out my claim was cancelled. My account was compromised twice. They reopened my claim but said I have to wait another 10 days to see if Im eligible for a credit. Its been over two months. I have attached a copy of my original claim, and my chat transcript with the agent claiming they cant see if someone logged into my account nor can I.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
the third party is trying to collect from a debt I don't know of. The agency failed to report validation of the debt that was owed to them, they also failed to show license and right to collect debt in the state of Florida where I reside. The agency violates the FCRA and is trying to ruin my credit report by reporting a debt I don't personally owe to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA Investigated and said it was a valid transaction. I still do not have the tickets or access to them. Basically I paid for an item I do not have. I have also contacted XXXX XXXX and their web site says no record of a purchase ; XXXX XXXX : XXXX. On XX/XX/XXXX, I attempted to purchase two tickets for the XXXX XXXX XXXX in XXXX, Ohio, via XXXX website. Once on the XXXX site, conducting the purchase, agreeing to the price of {$420.00} per ticket, a total of {$850.00}, for two tickets, put in my credit card info for his purchase, and the site switched to XXXX XXXX, and the price jumped to {$1800.00}. I tried to cancel the purchase by calling the company directly after noticing the switch. They refused to cancel the purchase and suggested I resell the tickets alone. I explained what happened, and they couldn't care less. I then contacted my credit card provider, USAA Federal Savings Bank. They closed my card due to a fraudulent purchase and reissued a new one. Subsequently, on XX/XX/XXXX, these charges reappeared on my new card, and the credit card company asked that I try to work it out with XXXX XXXX. I communicated with XXXX XXXX via chat on XX/XX/XXXX, asking them to refund the purchase, and they refused, stating I could resell the tickets. Interestingly, when I put the XXXX ID : XXXX and my email on their website, it returned, " The information you entered does not match our records. Please try again. '' I also told the lady on the chat, and she said, oh well, you should get your tickets in XXXX. I have paid them {$1800.00} for XXXX XXXX XXXX  Tickets ( I do not have ) and Parking {$130.00}, for a total claim of {$1900.00}. This company is a scam, a ripoff, and a hazard to hard-working Americans and this great nation. Based on my experience and the XXXX XXXX XXXX that reviewed and filed a similar complaint against this so-called company, they need to be shut down and not allowed to do business. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Shellpoint Partners, LLC
State: MD

Complaint narrative:
At convenient times for reporting my credit score is lowered due to the negative reporting of NewRez. Most often XXXX to XXXX point decrease. 

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section two, it also states that consumer reporting agency can not furnish and I can account without my written instructions under 15 USC is 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Can you help with the credit let me know if you have late payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Around XX/XX/2023 I received a notice from Credit Collection Services saying that I owed XXXX {$370.00}. Their letter was predated XX/XX/2023. I called XXXX and they told me to contact my representative I explained that I did not have one because I had not attempted to purchase anything from them. I, also, called the debt collector and explained the same. I also sent my request through the debt collectors online portal and I mailed a letter requesting documentation confirming that I owed the debt. I was sent a copy of a printed bill from XXXX but not my representative as XXXX and the debt collector ( Credit Collection Services XXXX said that I needed to contact to prove the debt was mine. Again, I explained that I did not have a XXXX agent because I did not request their services. I was met with threats of reporting the debt to the credit bureaus. I have had exceptional credit for over 20 years, I pay my bills and I know who and if I owe anything. Long story short, I panicked and paid the debt because I did not know what else to do to keep it from tarnishing my credit. A few days after my husband paid the debt they reported on my credit report. This resulted in my score dropping from XXXX down to XXXX. Again, this is not nor was not ever my debt and it has tarnished my credit reputation and it causes me great distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/XXXX, you made a payment of {$420.00}. You paid with a VISA with last XXXX digits XXXX and expiration date XX/XX/XXXX. As of XX/XX/XXXX Affirm is still reporting that I havent paid and reporting the paid balance. I have continuously been submitting disputes with documentation of the balance being paid but Affirm keeps verifying that the information is accurate, despite my provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I demand immediate action on my account situation. I filed a dispute regarding an inquiry made on my credit report, despite not applying for any personal credit products. As a result, my business account was closed, and my personal checking account was put on hold. Despite numerous attempts to close all accounts, I was told to visit the nearest branch back in XX/XX/. When I did, the banker could not close the account due to an unknown restriction, and I was promised a call from a representative to close the account. It is now XX/XX/XXXX, and I have yet to receive any call, and I am still receiving statements from Truist. To add insult to injury, a {$12.00} maintenance fee has been deducted from my account every month. This situation is unacceptable, and I demand that my account be closed promptly, and the balance returned to me. My current checking account balance is {$110.00}, and my savings account balance is {$50.00}. This can not be legal.

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 2024-02-02 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: TX

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2024-02-02 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief