vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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:
XXXX XXXX XXXX XXXX  {$1700.00} XX/XX/2021 accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-06-03 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX$1700.00} XX/XX/2021 accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus

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 2022-06-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus

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 2022-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AE

Complaint narrative:
During covid 19 I had some difficulties making payment because my wife lost her job so MR Cooper which is my mortgage company offered me a forbearance program which I was informed my payment will be modified after the period. So I was given a trail modification payment from XX/XX/XXXX - XX/XX/XXXX which I met those requirement for my mortgage payment to get lowered so as I can make the payments I missed during the forebearance program. 
So after XXXX I was waiting for when my new payment was going to start because I had to come to XXXX on rotation as an XXXX XXXX XXXX so my US number was working here to I informed XXXX XXXX who was the agent working on my Loan modification they wouldnt be able to reach me on my US number but they send me any information through my email so as to know when to start making payment. 
I didnt receive any email of when to start making payment so I reach out to MR Cooper to find out about this and I was told I was supposed to start making payments toward another modification trial to get my modification initiated but I missed those payments from XX/XX/XXXX so if can make 4 payments they will send it up to their manager to see if they can initiate it again. So I told them I wouldnt be able to make 4 payments but I can pay 3 so I was told they cant help me with that unless I make 4 payments. I still went ahead and made that payment but they still didnt help me out but want me to payment {$16000.00} that is dues on XX/XX/XXXX and now they have reported me to the credit bureau as Derogatory trade and that has dropped my credit drastically. 
I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: WV

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items that are still showing in there reported as negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items that are still showing in there reported as negative.

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 2022-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Lincoln Educational Services Corporation
State: MI

Complaint narrative:
I attended Lincoln TechXXXXXXXX XXXX  in XXXX and I only took out a {$1700.00} loan via XXXX and I did not receive a pell grant. In XXXX, I consolidated all of my loans, including the XXXX loan from Lincoln tech. 10 years later, a debt collector started to garnish my wages for that loan and claimed that I owe {$7000.00}. When I contacted Lincoln Tech for proof, the said they couldnt find my paperwork because its been so long and that my file was sent to XXXX XXXX. The judge was no help when I went to court. This year, I saw on the news that XXXX was apart of a settlement and loan borrowers would receive notice, but I didnt receive anything. It also states that I took out a pell grant for that school but that is not true. I would like to know what my next steps would be because I didnt receive a letter saying I was apart of the XXXX settlement. The school is fraudulent Igor along with their debt collector and I would like to know how to sue and why I wasnt apart of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
We have been harassed by Portfolio Recovery Associates , LLC for the past few years regarding an alleged {$310.00} debt from XXXX Bank they purchased supposedly from my wife ( XXXX XXXX ) from before we were married ( 18 years+ years ago ). We asked why we never received anything from the company ( XXXX 's ) saying we owed money, and if we did, why did we have an active credit card with them 15 years later? We asked Portfolio Recovery Associates for a Bill of Sale proving what the alleged debt was, when it allegedly occurred, what was the purchase, etc... They provided us nothing but a letter claiming they purchased the debt on XX/XX/2020. We want the phone calls and letters to stop. We want the alleged debt to be removed and for it to be removed from any and all credit reporting agencies they may have reported this to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX  account XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written consent.

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 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I purchased 6 pairs of shoes online using Paypal. I selected " Goods and Services '' as the purchase type, which Paypal claims is protected by their Buyer Protection. The seller did not send me anything for XXXX month, then submitted a tracking number that was invalid, then finally sent 1 pair of shoes, which was not the right size. I opened a Dispute through Paypal under their Buyer Protection guarantee. The seller kept telling me that they would send the rest " as soon as I close the Paypal Dispute '', which I was unwilling to do. Paypal is investigating the dispute but said I should file a law enforcment/regulator report on this issue. This is what I am doing now exactly as they stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Presser, Felt & Warshaw have taken over a debt on behalf of XXXX XXXX Bank. I have been requesting a pay-off amount from them as part of my mortgage refinancing application so that I may pay this debt and move on with my life.

Timeline : 1. Tuesday, XX/XX/XXXX phone call at XXXX am and was told by the woman on the phone to contact Legal Resolution Team and have my representative send a fax of borrower 's authorization and pay-off request.

2. Wednesday, XX/XX/XXXX phone call to legal resolution team at XXXX XXXX  - XXXX min. wait time and then sent to voicemail. Left a voice mail and call-back number. No response or call back.

3. Thursday, XX/XX/XXXX. My representative emailed documents to the email address on the website after her phone call and XXXX min wait time to the legal resolution team phone number and being sent to voicemail. She left a voicemail and has not received any response. 
4. Thursday, XX/XX/XXXX I place another phone call at XXXX XXXX  to Legal Resolution Team. XXXX minute hold time and then right to voice mail. 
5. Friday, XX/XX/XXXX. I fax the documents to the fax number given to me by the woman on the phone ( see XX/XX/XXXX ). No response. 
6. Wednesday, XX/XX/XXXX. My representative emails to follow up on the file number and pay-off request. Also asked if the account has been closed and writes " Since there had been no resolution obtained for this account, it must be removed from my client 's credit obligations. 
Please advise, thank you '' No response. 
7. Friday, XX/XX/XXXX. I sent another email at XXXX XXXX. No response as of 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 2022-06-03 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: PA

Complaint narrative:
I am requesting a reinvestigation and your Method of Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX {$11000.00} account XXXXXXXX XXXX XXXXXXXX {$300.00} accont XXXX XXXX XXXX  account XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 for any purpose

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 2022-06-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g I clearly sent, '' Wells Fargo '' a cease and desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.

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 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I was overseas for over a year. Over XXXX was taken from my account. I came to USAA detailing the problem and the fact it wasn't me. I put in a dispute and the bank said they would do an investigation. None was done. My claim was denied and I've requested the evidence used and was told that they didn't have to supply it without a police report. That is a complete lie and against the law. I made them aware of this and still we came to no resolve. I even was able to provide tax documents stating I was overseas. Still this meant nothing. They've been infiltrated where hackers are calling and texting members from USAA numbers. They didn't even provide any notice for over 2 years. I was contacted by these hackers multiple times. I even wrote a letter to the president of USAA. No member should lose this amount of money because a bank lacks the proper protection and security measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Transfer due to bankruptcy landed me with SPS XX/XX/XXXX. 
Final escrow analysis completed by XXXX  on XX/XX/XXXX leaving a {$1400.00} ESCROW CREDIT and final statement with XXXX balance. ( see enclosed ) My first Statement from SPS dated XXXX documents payment of {$890.00} with a {$120.00} chrg/fee and {$34.00} unapplied FOR WHAT? Due : XX/XX/XXXX {$980.00} I contact SPS questioning fees as this is my first statement and requested an escrow. First Escrow with SPS XX/XX/XXXX increased the pymt over {$250.00} with a new pymt of {$1100.00}. Table 3 does not indicate the {$1400.00} escrow credit was carried over from XXXX  and applied. The county tax was also incorrect. And {$570.00} WHAT IS THIS FOR? Indicating a shortage of {$2500.00}. INCORRECT! NUMBERS DO NOT ADD UP! 
New policy effective XXXX premium {$2200.00} ( declaration page include ) SPS says they paid {$3600.00} for the policy. Escrow stmt XX/XX/XXXX documents a different pymt for {$1100.00}. MY check # XXXX to SPS for escrow only noted on check ( enclosed ) NEVER APPLIED. NUMBERS DO NOT ADD UP! 
Escrow stmt XX/XX/XXXX documents pymt for {$1000.00}. Insurance information STILL NOT UPDATED. Escrow stmt XX/XX/XXXX documents pymt {$960.00} UPDATED INSURANCE. NUMBERS DO NOT ADD UP! 
It took from XXXX for them to correctly apply the insurance information and come up with a payment as evidenced by the multiple escrow analysis I requested and received. PAYMENTS VARIED AND FEES OCCURRED BASED ON WRONG INFORMATION. 
I set up direct pay from my bank to SPS for {$960.00} monthly and this pymt continues. The SPS stmt XX/XX/XXXX monthly pymt due {$1000.00}, unapplied pymt {$530.00}. XX/XX/XXXX SPS stmt pymt due {$960.00}, {$110.00} fee, unapplied {$340.00}. Every stmt after had a fee and unapplied pymt amount. NUMBERS DO NOT ADD UP! 
ALL OF THE FEES ARE DUE TO THE NEGLIGANCE of SPS NOT CORRECTING THE INSURANCE INFORMATION AS EVIDENCED ABOVE. THERE WAS NO ESCROW SHORTAGE. I SHOULD NOT BE REQUIRED TO PAY ANY FEEDS AND I AM DUE ANY UNAPPLIED CREDIT! 
XXXX SPS XXXX stmts have a new pymt amount {$890.00} unapplied pymt and fees continue. I continue to pay the {$960.00} XXXX bill dated XX/XX/XXXX premium due XX/XX/XXXX {$2900.00} was pd in XXXX. Escrow stmt XX/XX/XXXX updates insurance. XXXX policy effective XXXX is cancelled XX/XX/XXXX. New policy provided by XXXX new premium {$2000.00}. With a savings of over {$900.00} there should be an adjustment/decrease to my monthly pymt. 
On XX/XX/XXXX I made pymt of {$960.00}, XX/XX/XXXX pymt f {$2600.00} this account should be caught up! 
With all of the evidence provided there was no shortage ever, all fees need to be removed and the escrow correctly recalculated since loan inception!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My mortgage service transferred on XX/XX/XXXX from XXXX XXXX XXXX  XXXX XXXX # XXXX ) to Mr. Cooper Mortgage XXXX XXXX # XXXX ). 

Upon review of the transfer, I became aware that XXXX XXXXXXXX XXXX had placed lender based insurance on my property and charging my escrow account {$1900.00} I provided proof of insurance to both mortgage servicing companies on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX XXXX  and was told that Check # XXXX was written on XX/XX/XXXX and mailed on XX/XX/XXXX, and that I should see it deposited in my escrow within 30 days after approval. 

On XX/XX/XXXX, at the 30 day mark, the funds were not deposited. Having both companies on the phone simultaneously, I was told it should actually take 4-6 weeks after approval, and to check then. 

On XX/XX/XXXX, after the 6 week mark, the funds were not deposited. Having both companies on the phone again, I was told they will look into it and could take up to15 more days. They also stated that they would 'expedite ' the issue and should have results sooner. 

I have asked on XXXX, XX/XX/XXXX, and XX/XX/XXXX for a letter/email, but still have not received any documentation corroborating their statements. 

The mortgage transfer has now passed the 90 day window that companies are legally required to complete transfer and the escrow money is still missing. 

I have spent almost XXXX hours over the last 3 months dealing with this problem with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: NV

Complaint narrative:
I called First XXXX XXXX on XX/XX/XXXX to close my credit card account after paying my balance off. I was told it would be completed within 3-5 days. I called back on XX/XX/XXXX to check the status as the account was still open. I was once again told it would be completed in 3-5 days again. I have since called a few more times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX and the issue still hasn't been resolved and charges and fees have continued to be added. Nothing is being done and no one seems to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I opened a free prepaid card from XXXX XXXX back in XXXX XXXX moved this card/account to Simple who then moved the accounts to BBVA which eventually was merged to PNC Bank XXXX 

PNC Bank provided no way to close my account ( which had a balance of about {$11.00} ) online. They require me to go to a branch which I could not do because of XXXX and health issues. After charging me new fees which I did not agree to the bank then advised me that I have to go into a branch office to pay a {$0.00} fee to close my account. 

I did not ask to be a PNC customer. I did not agree to their fees. They changed a feeless account that I agreed to terms to years previously into a fee based service. They acquired all my personal information including my social security number and opened this account in their bank with new fee-based terms. I did not agree to any of this and simply want my account closed. They refuse to close my account without paying them a fee to do so. This in my opinion is fraud and needs to end.

Company response to consumer: Closed with explanation