vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 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: CT

Complaint narrative:
In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  agency account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  agency account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agency 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 602 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and I paid them off this is hindering me from get a loan for my business even after I paid them off I need them off so I can grow my business

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 2023-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Northwest Contract Collections, Inc.
State: CA

Complaint narrative:
I sold a home in XXXX and retained a mortgage on the property. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX initiated the 'Escrow Agreement ' that covered the loan and administered the loan initially. In XXXX servicing of this contract collection was transferred to Northwest Contract Collections , Inc.. The last payment on this loan was made this month. The final statement from NCCI included an unspecified fee of {$120.00} with me paying {$51.00}. I called and was told that {$6.00} was the regular monthly servicing fee and the rest was half of a account closing fee. I complained that I should not pay the fee. XXXX XXXX, the president of NCCI, called to discuss the fee. The account closing fee was primarily to benefit the buyer by providing him the Deed documents. The fee was split between the buyer and my, based on the original Escrow Agreement. I pointed out that the Escrow Agreement specified splitting only the initiation fees and the regular processing fees ( now {$12.00} per month ) and did not apply to the account closing fee. I feel the buyer should pay the fee. He did not have an answer but refused to change the fee. I'm due {$45.00} as a refund of half of the account closing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have been dealing with these credit reporting agencies for three months and I haven't gotten any resolution they are complying with the laws set in place by our government, I have been treated unfairly and this has really caused me great stress.

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 2023-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: VA

Complaint narrative:
We purchased solar panels from a company called XXXX XXXX XXXX XXXX , we were promised several benefits from getting solar panels. The company went out of business within 4 months after we got the panels installed on our roof. The company called Sunlight Financial that the loan is through has not been any help what so ever and has not tried to get the solar panels covered with another company. I would like to see my loan desolved due to the panels not working anywhere as good as originally proposed by XXXX XXXX XXXX XXXX XXXX We now have the loan payment for the solar and a hefty electric bill. This is not what we were promised and this is not what we signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: FIRST ADVANTAGE CORPORATION
State: CT

Complaint narrative:
I want to see if a user of consumer reports or a furnished of information to a consumer reporting agency violates the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: CITIBANK, N.A.
State: OH

Complaint narrative:
A scammer who was unauthorized to use my credit card charged my Citigroup credit card more than {$3000.00} to XXXX on my credit card. None of those charges appear on my bills. I am XXXX XXXX XXXX widow and the thought of me charging {$3000.00} for technology is simply perposterous. I have repeatedly provided my statements to Citigroup ( my credit card ) but they refuse to address the issue. 

I contacted Citigroup the day I identified the issue and seeking to resolve this issue. 

I have contacted XXXX over 6 times and each time they confirmned none of those charges are against my account. Despite this Citigroup has refused to resolve the issue. I have communicated with Citigroup over a dozen times all to no avail. 

In addition, Citigroup 's fraud department sent me to their dispute department and their dispute department is sending me back the fraud department.

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
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
i have a section 8 voucher so i only paid XXXX XXXX  a month and i showed proof to XXXX  that XXXX housing pay {$1800.00} a month the apartments went under another management didnt give full details they was stealing money and saying i owe {$5700.00} in rent and i wasnt even paying that kind of money for rent because i have a voucher thru federal hud government so now i have a damaged credit saying i owe it and now i cant get no where to stay cause of wrongfully charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WAFD BANK
State: OR

Complaint narrative:
They froze my account but let withdrawls go through and then closed my second account with funds in it to pay for the other account but never got ahold of me, sent a check then reversed it, and because they allowed funds to be tooken from a frozen account they are liable for said funds, and I've still never heard from them. They have casued such a terrible experience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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:
On our about XX/XX/XXXX, two collection accounts were reported to Experian. I found this out while applying for an installment account from one of my credit cards and being declined. While researching the reason for the declined credit installment request with all three credit reporting agencies, I discovered Experian has these two credit collection accounts on the credit report they have of me. 

These two collection accounts are not mine. 

I filed a dispute for each of the two collections account reported on my Experian credit report and only one was removed from my credit report. The second or other collection account remains on my credit report ; for which I filed a second dispute. 

Experian and /or the collections agency refuse to remove this second collections account from my credit report. They insist the account is mine. 

Note : the two collections accounts appear to be from the same Creditor and reported by two different Collection Agencies. Again, one disputed collections account was removed, while the other remains and I am unable to convince these agencies ( Experian and XXXX ) that the account is not mine. I am also not able to file another dispute with Experiam for this issue. 

Agencies invloved : - Experian - my member ID : 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... this collection account remains on my credit report after two disputes filed. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. this collection account has been removed from my credit report. 

I do not have this problem with the other two credit reporting agencies ( at this time ). 

I do not trust contacting the collections agency directly or the original creditor because I do not and have not had with them any business today, recently or in the past. Nonetheless, they insist on negatively affecting my credit report from Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: MT

Complaint narrative:
Venmo has an incorrect birthdate on file for me. When I tried to correct the issue they just kept pushing their debit card application rather than fixing my information. They told me I passed their verification process so there was nothing anyone could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
My father passed away XX/XX/XXXX. He had a CD that was supposed to be transferred to me after his death along with a savings account. I never received it. I visited FNB in early XXXX of XXXX to see if I could speak to someone in regards to the CD and savings account that was suppose to go to me upon my fathers passing but I was turned away. I tried calling First National Bank XXXX XXXX in XXXX of XXXX. I left a voicemail for XXXX XXXX, who works at XXXX. My father gave me her business card when he was alive and told me that she was who he worked with. I left a voicemail for XXXX XXXX to please return my call. I have yet to hear from XXXX XXXX. 
I recently visited FNB and asked for advice on how to handle this issue and a bank teller told me that there was nothing that they could do. 
The XXXX was for {$48000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I had a Home Equity Line Of Credit with PNC Bank that was paid in full and closed on XX/XX/. PNC bank returned an escrow payment to me in the amount of {$330.00} in XX/XX/2023. I did receive confirmation of this loan being paid in full with a {$0.00} balance. 
In XX/XX/2023 I received notice from PNC Bank that I was in delinquent status and I had a balance due of {$330.00}. I visited my local PNC Bank in XXXX XXXX NJ in an attempt to correct this and I was told that I am unable to make any payment on the account because the account is closed. I was advised to mail the alleged payment to the PNC payment center which I did on XX/XX/. On XX/XX/XXXX   the check was returned with a letter stating the account was paid in full and closed. 
I retrieved my credit reports from XXXX, XXXX XXXX and XXXX and noticed this incorrect account over due balance was being reported to all three agency which greatly affected my credit score. On XX/XX/XXXX  my XXXX credit score was XXXX, as of today my XXXX credit score is XXXX because of this error. I did dispute this with all 3 credit reporting agencys and have been notified that the information they received is correct. 
XXXX even changed the status of the account from closed to open and delinquent. 
I did mail a certified letter to PNC Credit Reporting department with supporting documents but have not had any response. I have talked to numerous agents with PNC that confirm this error but are unable to correct. 
Despite this account being closed and paid in full in XX/XX/, PNC Bank did collect a third payment attempt on XX/XX/XXXX  but has not reflected this payment on this closed account. Please Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
I am not liable for this debt with Wakefield and Associates, I do not have a contract with this company. I still have not been provided with a contract with my signature stating this is my debt The balance amount is {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: MI

Complaint narrative:
I am not liable for this debt with XXXX XXXX company. I still have not been provided the original contract with my signature.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I had a medical claim that was submitted to my credit report as delinquent in 2021. Every month this company would report it as a late payment so that the payment history would not age. So although this was a closed account, they would using this predatory tactic by reporting it late every month so that my credit score continued to be impacted. I submitted a investigation with XXXX and they agreed that the company should not report it every month as a late payment. My credit report was fixed. A couple a months later, this company once again engaged in predatory tactics and increased the medical claim amount by {$5.00} in order to make it appear it was a new delinquent payment on my credit report. When I called the company, they stated the {$5.00} was a finance charge. They are now once again reporting this every month on my credit report. It is evident this company increased the amount by a fraudulent {$5.00} in order to justify re-reporting this old medical claim payment so that my credit report does not age and my credit score is continuously is impacted. 
The company is Progressive Management Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
On XX/XX/XXXX I consolidated my federal loans with MOHELA and applied for SAVE. It is now two months later and my loans have not finished consolidating and I have no idea what my actual payment will be. As of two days ago, I received a statement showing my payment due on the level repayment plan. That is not the plan I applied for. My loans should not be in repayment while a repayment plan application is pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: LA

Complaint narrative:
I've contacted the original creditor ( XXXX XXXX ) and all 3 credit bureaus XXXX, XXXX, and Experian about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. 
I've been ignored and is in violation of my consumer rights according to the FCRA. 
This account needs to be removed immediately ( Account number XXXX ) creditor is XXXX XXXX. 
All XXXX credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. 
I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: CA

Complaint narrative:
In XXXX, I noticed Harvard Collection Agency had added a collection to my credit report ( all three ) without notifying me. I requested proof that this was my debt and disputed it with all three bureaus. Harvard collection agency informed me this was a debt from the State of Ilinois for welfare they wanted me to pay back from XXXX. I was not notified of this attempt in XXXX and nothing has been on my credit report until XXXX. After I disputed this debt, Harvard Collection agency removed the collection from all 3 bureaus and then added it back on in XX/XX/XXXX. I was not notified again about this debt and only noticed it when I received a credit score update that showed my credit score dropped for all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Reached out to company in accordance to federal law15 U.S. Code 1666b - Timing of payments, stating that a creditor may not treat a statement on a credit card account under an open end credit plan as late for any purpose. 

This form of communication was attempted via phone as well as mailing in letter. No response was provided for letter that was mailed after the following call details below : Attempted to make payments, in addition to this. According to Customer Service representative, they did not believe the creditor would remove and refused to look into removing these late payment reports with myself paying the owed amounts. I was unable to speak with anyone personally regarding this issue, beyond a customer service representative, who stated that this was out of their scope of resolving. Late payments still remain on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XXXX XXXX I received mail from The XXXX XXXX XXXX XXXX XXXX to pay my bill at XXXX for {$1400.00}. I can not pay the bill due to financial hardship and limited income. The Pandemic caused a setback and I attended school and i have the responsibility to pay tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: MN

Complaint narrative:
I have demanded that these agencies remove these accounts from my credit. That I did not give permission to be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I'm a huge advocate for my kids the XXXX that receive XXXX & I refuse to allow anyone to take advantage even this card company! On XX/XX/XXXX all the way up to XX/XX/XXXX my card was used for unauthorized transactions I was unable to get into my Direct Express account due to Direct Express suspending my account because they realized fraudulent activities as well. I was finally able to speak to someone but it was the weekend and she took the suspension off and made notes about the unauthorized transactions. I turned in all required documentation required and still haven't received anything. When I call I get told I qualify for a provisional credit but there is no date or time frame they still have to approve it. This is ridiculous I am a single mother of XXXX kids XXXX in which receive XXXX due to them having a XXXX and I'm currently XXXX XXXX XXXX. I will continue to be an advocate for my kids!

Company response to consumer: Closed with explanation