vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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:
Real Estate Taxes increased from {$5200.00} to {$5300.00} ANNUALLY effective XX/XX/2024, which results in an ANNUAL total increase $ amount of {$96.00}. That spread out over 12 months would increase the monthly payment by approximately {$8.00} per month. Instead they will increase {$82.00} monthly based on their RESERVE analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The Covid 19 Pandemic destroyed me personally as well as my XXXX I never requested any free money through the XXXX program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either XXXX funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a XXXX in exchange for the write-off. I see no other way out of my situation other than a XXXX XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
NAVY FEDERAL CREDIT UNION IS ATTEMPTING TO COLLECT A DEBT AND ALSO CHARGED OFF ANOTHER ONE OF MY ACCOUNTS WITHOUT WITHDRWING THEIR POA FROM THE IRS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
Weber & Olcese garnished my work checks for 4 months. I have not received any correspondence regarding this debt. More importantly the debt is past the State of Michigan limitations. Somehow, XXXX XXXX XXXX  allowed/approved WEBER & OLCESE and XXXX XXXX XXXX XXXX . There's no proof of them even serving me or notifying me of such debt. They just started collecting money without any notices. 

This is criminal activity. 

Plenty of complaints about both companies all over the internet with illegal practices. 

These companies NEED to be held accountable for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
in XXXX of 2024 i tendered my payment to navy federal credit union. their reponse to me was they do not accept that form of payment. im submitting this complaint because XXXX XXXX XXXX seeking to XXXX XXXXXXXX XXXX. i have not only provided them with my promissary note via my original credit application, but i am entitled to recieve interest on the coupon payments i recieve each month. These are notes I am able to collect pursuant to the indenture agreement they have on file with the SEC. Pursuant to UCC 3-604 if the instrument, notes, or any tender of payment is rejected, surrendered, or mutilated, i am able to consider the debt discharged. I am able to send the notes every month. Navy federal can be assured all obligations I incur will be tendered as a form of payment and i will never become delinquent. I also have an XXXXXXXX XXXXXXXX at my disposal who is willing to testify to their securitization tactics. If my concerns are not addressed I will report the cusip number and other relevant information to the SEC. their prospectus clearly states the notes will not be placed on the secondary market.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates calls multiple times a day from cloned local numbers. Its everyday, at least 3 times a day at all hours. The numbers are disconnected when I try to call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The Covid 19 Pandemic destroyed me personally as well as my XXXX. I never requested any free money through the XXXX program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either XXXX funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a XXXX in exchange for the write-off. I see no other way out of my situation other than a XXXX XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a complaint against Experian.com. I have XXXX accounts that have charge-off status and they have past the statue of limitation. I have written numerous letters to Experian and I have disputed these accounts and Experian has failed to properly investigate and every time the accounts are updated instead of being deleted. I have written letters back on XX/XX/2024 to the reporting companies and they have never responded. I need these accounts removed from my credit report based on the statue of limitations for the state of California.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to follow up on my previous complaint regarding the persisting negative accounts on my credit report. I remain deeply concerned about the recurring nature of these disputes and the lack of a satisfactory resolution.

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 2024-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To : Whom it may concern, Lets start emphasizing I'm a Citibank customer since I was XXXX XXXX XXXX and now I'm XXXX. I have never had any problems with money being stolen in any way until now. 

I'm a victim of scam on my business account with Citibank, In which we are going to clarify, I did not have any call, no msg, no email from Citibank asking if any of those transfers were being made by me. 

-Dates for the transfers & amounts : XXXX {$7000.00} + service charges {$17.00} dollars XXXX {$7000.00} + service charges {$17.00} dollars XXXX {$7000.00} + service charges {$17.00} dollars total of {$21000.00} US Dollars The transfer was made out of the country according to their investigation, the money was transferred and taken out! " What a surprise is the target of scammers '' I spoke to a Citibank representative who told me Citibank determined that they are not going to return my money because according to them I gave information that helped the scam. 

I asked to speak to a Citibank supervisor to re-open and asked to re-open my cases, who instructed me to send a letter to : XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
( I sent the letter more than a month ago and I still have not received any notification from Citibank. ) PLEASE HELP!!

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 2024-04-29 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: MI

Complaint narrative:
I checked my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 
[ XXXX XXXX ] [ XXXX XXXX ] . 
[ Dept ED/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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-29 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: NJ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 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 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 2024-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
My car was stolen the morning of XX/XX/year>. It was totaled, and before the police could notify me that it was stolen and totaled, it was already on its way to XXXX XXXX, in XXXX IL. I was notified it was no longer driveable as they crashed into a semi with it. I went to XXXX XXXX the following morning to get my car back, or at least get my personal property out of it. They told me no, I was not allowed to do anything with the car unless I paid the {$500.00} towing fee, or my insurance company notified them, that towing and storage fees were covered ( since I was paying for a full coverage premium. ) So, from that day on, I called XXXX XXXX XXXX day after day after day. I submitted my claim and was told I would be contacted by my insurance agent. They gave me her direct office number, I called for probably about two months straight, never recieved a call back whatsoever. So by that time, I knew I couldnt afford to get my car from the towing company if they even still had it. Because I just had a baby, and was not working at the time because of it. So because of that, I never got my car back, I never got my personal belongings out of it which included a lot of my daughters belongings because I had just gotten home from the hospital a few days prior. And now Im XXXX in debt my credit is ruined, because the insurance company can not do their job correctly. They sent me mail saying my monthly premium was raised because of the claim, but never got back to me about the claim or helped me figure out what we could do about my car.

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 2024-04-29 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: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently seek your assistance in removing the fraudulent inquiries from my credit report. These inquiries were not authorized by me and are causing me significant distress. It is unjust for me to be held accountable for them, as I did not initiate or approve these accounts. I implore you to promptly address 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 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
In the 2023 I had late payments, because I was unemployed and my phone was broken I had no way to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The XXXX XXXX XXXX destroyed me personally as well as my business. I never requested any free money through the PPP program or through unemployment insurance payments. My business was shut down, out of business for two full years. Your financial institution received millions of dollars for offset losses from either PPP funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
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 explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
On my XXXX credit card statement there was a charge from XXXX for {$120.00}. I had only had this card since XXXX and I paid it off every month so there was XXXX balance. I called to ask about the charge for XXXX on the XXXX bill, and they said there was a glitch in their system and it should come off on its own. I paid what I had actually owed, which was {$180.00}, and the remaining {$120.00} I was instructed not to pay because of the glitch. Ive called back every few weeks and at first they kept telling me that it takes a few weeks for it to correct itself. They told me to wait and not to pay it. Then it hit my credit report. Every time I call they hang up on me. Each time they say yes I can see what youre saying, Im so sorry, yes dont pay it, Ill transfer you and then they disconnect me. The last 3 times Ive called they now say its fraud because they wont even tell me what was purchased or could provide an invoice of what was purchased. I know it wasnt me that made the purchase because I pay it off every month, I only had it for 4 months, and it is very clear and obvious that there is a charge from XXXX in the XXXX bill. I have reported this company to the XXXX I will try and call back the XXXX credit card people again but this company/bank should not be allowed to do this to people. They are horrible company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX & XXXX garnished my work checks for 4 months. I have not received any correspondence regarding this debt. More importantly the debt is past the State of Michigan limitations. Somehow, XXXX XXXX XXXX allowed/approved XXXX & XXXX and PORTFOLIO RECOVERY ASSOCIATES LLC XXXX There's no proof of them even serving me or notifying me of such debt. They just started collecting money without any notices. 

This is criminal activity. 

Plenty of complaints about both companies all over the internet with illegal practices. 

These companies NEED to be held accountable for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX I disputed the information reporting on my report for XXXXXXXX XXXX as it is incorrect and to be removed as per the FCRA & FDCPA. TRANS UNION proceeded to say that they investigated and the company reported that it was accurate. Moving forward it appears that TRANS UNION not only did not request the investigation but lied and provided me with an update saying that it had been verified as accurate. This is serious fraud and I fully intend to pursue. It is my hope that the CFPB does its job and doesn't turn a blind eye to punishing a big corp., for providing fraudulent information to consumers. It would certainly be unfortunate if the public perception was that there lawful disputes are being ignored and consumers are being fed false information with respect to their legitimate disputes. 

Please find enclosed a copy of the so called results sent to me by TRANS UNION, along with a current snapshot of the account provided by the XXXXXXXX XXXX ACCOUNT WEBSITE.

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