vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion Consumer Relations, has allowed the company XXXX to check my credit 3 times without prior permission from me. I have block/freeze/plus additional blocks on my credit report. XXXX has checked my credit 3 times in the pass three years, This is not normal behavior for companies to check your credit 3 times in three years. None of my other creditors has done this. XXXX has done this with out my prior permission. There is suppose to be a statement on my credit reports that companies has to call me before they check my credit, but TransUnion allowed them to check my credit, evidently TransUnion did not place the freeze/block on my credit report. It says there is a block on my credit but XXXX got into TransUnion credit reports and checked my credit 3 times, once in XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Why?????? 
Why was this? apparently there was no block on my credit, but they have me blocked out from viewing my credit report or doing anything else about my credit. They allow others to access my credit. I founded this out through Credit Wise/TransUnion . TransUnion does not treat their customers fairly. They need to treat consumers the way they want to be treated This is not fair to any of us.

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 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I went today to a PNC branch and they told me my account was closed. I asked them last week to addition my husband in the account. They didnt provided any explanation why they closed my account. They said I will receive a letter in 10 days with a check. I need to pay bills right now, not in 10 or more days. So this is causing me a lot of troubles and inconviniences not to mention to losing my time and patience. I need an explanation and my money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The XXXX Account of below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. It is reporting that I am 30 days late on my account but in fact i was never informed that my payment was reversed because there system failed to update my new banking payment method. I spoke to the credit department and they said they would fix it and it has now been 2 months with no correction. When i call I am told they will go through phone records to confirm but never get any type of confirmations nor do i talk to anyone who remembers my calling even though there are phone records of me calling multiple times. I am a good customer that pays high interest and still stays with the company. This is effecting me from purchasing a home and i need help to get this off already, it is ruining my life. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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 non-monetary relief
Consumer complaint received 2023-11-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The XXXX Account of below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. It is reporting that I am 30 days late on my account but in fact i was never informed that my payment was reversed because there system failed to update my new banking payment method. I spoke to the credit department and they said they would fix it and it has now been 2 months with no correction. When i call I am told they will go through phone records to confirm but never get any type of confirmations nor do i talk to anyone who remembers my calling even though there are phone records of me calling multiple times. I am a good customer that pays high interest and still stays with the company. This is effecting me from purchasing a home and i need help to get this off already, it is ruining my life. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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 2023-11-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: AZ

Complaint narrative:
Since XX/XX/XXXX Lexington Law Firm they have been charging me monthly to fix my credit and send letters to the credit reporting companies. {$130.00} per month has been taken from me. I asked to cancel previously and they said there are no notes or calls and I wont be getting refunded. They said they do the work and then charge me for the work each month. They refused to escalate me further and now I am out {$830.00} I am a single mother and I am not currently working this is very frustrating. 
I am an injured party. 
XXXX Lexington Law. All rights reserved. John C. Heath, Attorney at Law, XXXX XXXX  Lexington Law, and of counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Lexington Law FirmXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: TN

Complaint narrative:
I have disputed this account multiple times attached is the move out documents from the 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 2023-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Viking Client Services
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX  whose collection agency Viking Client Services is reporting a collection amount of a {$3800.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX XXXX XXXX XXXX  respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient is being held in a class action in multiple states for illegal practices. There have been lawsuits filed by several of the states allege that Navient broke a wide range of state and federal laws as a student loan servicer, including by pursuing a years-long scheme to steer borrowers into high-cost repayment options and away from income-driven repayment. 

I feel like I have been affected and apart of their illegal practices and something needs to be done for the people in Georgia to receive help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
company is being harassing with repeated calls. Ive blocked number but still receiving calls. they refuse to provide any type of documentation. Additionally, ive not done business with profile recovery or aware of any debt. The harrasing calls and other forms of communication have been ignored. This company is harassing me and my family for money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP
State: CA

Complaint narrative:
The loan application number for the loan is XXXX I applied for a car loan and was denied by ( US Bank ) on XX/XX/2023. To this day I have still not received an adverse action letter explaining the reasons for my being denied. I was forced to reach out to the company directly, over the phone, to get the specific reasons because they still have not come in the mail. 

After calling the company to figure out my reasons for denial, I was extremely concerned. My denials came from reasons such as Utilization, credit age, and a few other alarming things. The reasons why they have denied me credit are prohibited basis. Seeing that this is not a " Special Purpose Credit Program '', pursuant to 12 CFR 1002.6 b ( 1 ), I can not be denied credit based on a prohibited basis. I am also fully operating in good faith by requesting a simple extension of credit, which is my right pursuant to 15 UCS 1691 ( a ) ( 3 ). Seeing that my being denied credit is based on prohibited basis, this has now become discrimination. This discrimination has caused me a grave deal of stress and anguish, damaging my mental health, my morale, and the well-being of my family. I am fully aware of my rights in consumer credit transactions, and seeing that I am operating in good faith, and I do not fall under anything listed in 15 USC ( c ) there is no reason for me to be denied credit other than pure discrimination. I attempted to reach out to the underwriter on my case directly to discuss this however I was denied access because as they stated, " I am a member of the public ''. 

The loan application number for the loan is 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 2023-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2023 I made my last payment to PHH Mortgage Services https : //www.phhmortgage.com/ They have been holding my money and not applying is to my last principal balance of {$5500.00}. 
I sent them {$5600.00} which shows they are holding in a suspense account since XX/XX/2023. 

Thank you for your time and assistance in resolving this issue. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed some unauthorized inquires on my report from an account that was already paid in full and closed for over 3 years.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed some unauthorized inquires on my report from an account that was already paid in full and closed for over 3 years.

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 2023-11-16 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 am a victim of identity theft please remove this fraud inquiry from 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom This May Concern, accounts below need to be updated immediately for late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT TYPE : Auto Loan In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I reached out to PayPal/Synchrony Bank XXXX XX/XX/XXXX. I spoke to the fraud department as there were $ XXXX charges on a line of credit that I did not open and did not make charges to. the charges were out of state and some were out of the country. I was told that it was taken care of, but it has not been. They closed my account and I've been locked out of it for over a year, so I have no idea if any additional charges had been made. In the meantime, they sold my account and to collections and XXXXXXXX XXXX is now suing me for {$5100.00}! The court date is set for XXXX XXXX, XXXX! 

I spent another 2 hours on the phone today with both PayPal and Synchrony Bank/PayPal Credit and after being transferred at least 8 times, I spoke to XXXX, Manager of the PayPal Credit Fraud Department again today, XX/XX/XXXX. His employee ID is XXXX. He said he disputed all of the charges totaling {$5100.00} and that I'd receive a letter in 7-10 days confirming the dispute. The entire process, he informed me, takes up to 60 days! I need this resolved now. This is now on my credit and I'm facing a court date, additional collection fees and possibly a wage garnishment if this isn't resolved. 

A report has been filed with the Federal Trade Commission for Identity Theft.

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 2023-11-16 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is AFNI Inc is reporting a collection amount of a {$140.00} balance. This is not my bill and the name on the bill is not my name in which this agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Zillow Group Inc.
State: NC

Complaint narrative:
I went online to Zillow homes to sell my house and wanted to purchase another property and what they did was sold my house to another agency and accepted and application for a loan on another property after the 30 minutes phone interview with the loan officeer and the three year wait they stopped answering my phone calls and maken threats towards me about my application

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NM

Complaint narrative:
XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not were opened fraudulently.

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 2023-11-16 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: NM

Complaint narrative:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not were opened fraudulently.

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 2023-11-16 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: Self Financial Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXX shows an installment loan in my credit bureau reports which I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
My disbursement from XXXX XXXX goes to bank mobile they sent it to Venmo. Venmo says they can't find it anywhere in there system XX/XX/ {$910.00} student loan I have to pay back. Bank mobile gave me tracking number to send to Venmo special team says it's not in there system bank mobile tells me they can see it went to Venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had a CD that matured XX/XX/XXXX XXXX  with Synchrony bank and against my instructions they renewed to a 6 month CD. I have been calling since XXXX XXXX. They kept saying it was in progress. They refuse to allow you to close online and when you call they never provide any confirmation or acknowledgment. I also have a voice message on XXXX XXXX from XXXX of Synchrony bank saying that both CDs have been closed. I also had another CD that matured XXXX XXXX and that was closed properly. But somehow the one for over $ XXXX they refuse to transfer. I called yesterday for the 5th time and spoke to 3 different people and the last manager said they have to investigate.

This online CD process with Synchrony bank is very shady as they never provide any confirmation of your request so they can then lie and say they never had it in their notes. 

I demand my money returned immediately with the higher interest would have earned elsewhere at 5.28 %.

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 monetary relief