vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX, XXXX XXXX UNIVERSITY Account number : XXXX, XXXX XXXX Account number : 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 2022-02-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX, XXXX XXXX UNIVERSITY Account number : XXXX, XXXX XXXX  Account number : 3XXXX 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 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I received a call from this number XXXX. They identified themselves as source receivables management. When I asked them what was this pertaining to they stated a business matter I asked what business and they hung up. I then decided to look this company up online and call them directly to see if it was legitimate. They answered and stated my name I asked why they were calling and they hung up. I called back 11 times and asked for a supervisor. They transferred me to an individual whos name I did not catch and asked if this was source receivables management and he stated you tell me you called us they refused to identify themselves and what they were calling about. I then requested if they cant verify then they need to send documents or something certified in regards to their request. He said theyre not going to do that. I would like them to stop contacting me if they have no reason to be contacting me. I have absolutely nothing in collections or owed anywhere on any credit report or entity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX my club was hosting charity giveaway to Women with children that were having financial hardships. XXXX XXXX sent me {$2500.00} to my XXXX XXXX that in turn went into my Bank of America account ending in XXXX. I started sending the cash payments to the women ranging from $ XXXX {$1000.00}. After the first 5 successful payments sent, my card was declined from Bank of America. I called into the bank and spoke with the fraud department and risk management informing them, that I was the one using my debit card ending in XXXX and it was not fraud, each time I called ( 9 times ) confirming that it was me and verifying the payments I had already sent, Bank of America froze my account. When I called in the next day, they informed me that my bank account was being closed, this was on XX/XX/XXXX. The fraud department could not give me an explanation and would not give me the funds. I called on XX/XX/XXXX and I was informed by the representative that there was confirmed fraud that I was aware of with the {$2500.00} that was sent by XXXX XXXX, I in turned conferenced in XXXX XXXX and the Representative changed his veribage and stated that it was still being investigated, which was not what the Representative told me, the call was recorded. On XX/XX/XXXX XXXX deposits from my employer XXXX XXXX  of {$5100.00} and {$7100.00}, Bank of America will not allow me to receive my payments from my employer. I'm type XXXX XXXX and XXXX, i take medications daily to live. I informed the bank of this and also informed the bank that all of my bills are do. They will not release my money. They are deciding to end the relationship, that is fine. But they have not right to keep me from paying for my medications or paying my bills making me late on my Mortgage and others bills. I feel because I'm XXXX American they treating me unfairly and are discriminating against me and trying to destroy my good name. Please have the release my funds to me ASAP. I can not wait until XX/XX/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 2022-02-28 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
Mortgage servicer ( Pennymac ) is in clear violation of 12 CFR 1024.17. Pennymac is illegally withholding a significantly larger tax escrow payment then allowed under 12 CFR 1024.17 ( c ) ( 1 ) ( i ). I contacted Pennymac in XXXX and XX/XX/2022 and they have failed to reduce my monthly escrow payment, even though documentation was submitted to Pennymac to support the correct escrow amount. 

The loan originator estimated my annual property taxes at {$14000.00} ( {$12000.00} annual taxes + {$2000.00} selected reserve ). The monthly escrow payment is {$1000.00} of which approximately {$1000.00} go towards the estimated tax payment. 

The 2022 actual tax amount is {$5200.00}. Pennymac has knowingly collected at least 238 % of my actual annual tax payments. Under no circumstance is Pennymac 's escrow analysis reasonable, nor consistent with 12 CFR 1024.17 ( c ) ( 1 ) ( i ) or ( c ) ( 7 ).

As this property was a new build, the Loan Originator and Pennymac have an obligation to " In cases of unassessed new construction, the servicer may base an estimate on the assessment of comparable residential property in the market area. '' 12 CFR 1024 ( c ) ( 7 ). Armed with appraised value of {$740000.00} and known published millage rates for the areas, the Originator grossly failed to comply with 12 CFR 1024 ( c ) ( 7 ) by estimating an outrageous home value or clearly wrong millage rate.

My mortgage payment is approximately {$700.00} higher than it should be, solely due to this escrow issue. Pennymac refuses to update my escrow account and return to me the monies that they are in illegal possession of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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: Advantage Credit, Inc.
State: AZ

Complaint narrative:
I never authorized this company to pull my credit. I called them to have them remove this, but they have no record of this. They sent me to the company they used to pull credit. They wanted me to provide them with lots of personal information before they could investigate. The problem with this is that I never provided my personal information to begin with. Why would I provide it now? They would then be able to say yes, we did get the information from him. They refused to act on my request. 

This inquiry is damaging to my personal credit. It's preventing me from obtaining normal rates. This entry is placing me in a higher risk category. 

I'm strongly requesting that it be removed immediately from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
WHEN REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL ERRORS THAT TRANSUNION, XXXX, AND XXXX REFUSED TO CORRECT. SINCE XX/XX/2021 IVE CONSISTENTLY SENT CORRESPONDENCE TO THE THREE MAIN BUREAUS TO INFORM THEM OF ERRORS ON MY REPORT WITH NO ASSISTANCE OR CORRECTION WHAT SO EVER. I SENT CORRESPONDENCE ON XXXX XXXX XX/XX/2021, AND XXXX NONE OF THE BUREAUS CORRCTED THESE ERRORS ON MY CREDIT REPORT. IVE ALSO REQUESTED THAT THEY CORRECT INCORRECT AND OBSOLETE INFORMATION. THE CREDIT REPORTING BUREAUS BLATANT DISREGARD FOR THE LAWS AND REGULATIONS SET FORTH BY THE CFPB, XXXX XXXX, AND METRO 2 ARE OFFENSIVE AND IT RENDERS ME NO PROTECTION BY THESE LAWS SET FORTH TO PROTECT MY RIGHTS AS A CONSUMER.

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 2022-02-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
WHEN REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL ERRORS THAT XXXX, XXXX, AND EQUIFAX REFUSED TO CORRECT. SINCE XX/XX/2021 IVE CONSISTENTLY SENT CORRESPONDENCE TO THE THREE MAIN BUREAUS TO INFORM THEM OF ERRORS ON MY REPORT WITH NO ASSISTANCE OR CORRECTION WHAT SO EVER. I SENT CORRESPONDENCE ON XXXX XXXX XX/XX/2021, AND XXXX NONE OF THE BUREAUS CORRCTED THESE ERRORS ON MY CREDIT REPORT. IVE ALSO REQUESTED THAT THEY CORRECT INCORRECT AND OBSOLETE INFORMATION. THE CREDIT REPORTING BUREAUS BLATANT DISREGARD FOR THE LAWS AND REGULATIONS SET FORTH BY THE CFPB, XXXX XXXX, AND METRO 2 ARE OFFENSIVE AND IT RENDERS ME NO PROTECTION BY THESE LAWS SET FORTH TO PROTECT MY RIGHTS AS A CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax did not properly investigate the account listed on my credit report. I contacted The XXXX XXXX XXXX to inquiry about an old account that is listed on my credit report. I contacted this company and they did not have any information on this account because the customer service representative named XXXX said it was sold to XXXX ( XXXX XXXX XXXX ) she gave me their phone number which is XXXX. I called this number and it says that this company is permanent close. Equifax is saying that this account is verified and accurate how is this so when the company do not have any information and the company that bought this debt is permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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 inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is a terrible awful company and that includes all the XXXX you read on the internet I looked into it a little bit I can explain all about it later. first I'd rather get a response. 
In short I've talked to customer service with Experian and this is not just about problems with their customer service this is about problems with their advertising and ads as well as their customer service which means that if those two are a problem that I'm reporting on this is a major deception of the consumer. Fake people and downsizing to cut costs, but then adding on top of that horrendous customer service... I mean you would think there's a bunch of whores they picked up from a gutter and said here have a job. Then told them to design a world-class phone automated system and have everybody have the exact same accent and voice as everyone else whenever I call and reach customer service. It's amazing how many different XXXX 's and XXXX 's and XXXX 's sound exactly like this one XXXX that I heard one time calling. I think that there's not only a bunch of different people frauding as one I think it's one person being forced to fraud as many. They're never XXXX and it's nothing but a bunch Oriental or XXXX people who always answer the phone and I mean the exact same dialect the exact same speech patterns everything about him is the same except for the name that they give you each time. 
I promise if you were to put it tape recorder to that you would not just find her identical twin sister you would find that in some way lying to the public and giving a false name to the public that's enough of it own problem. So what if it's meant to protect the employee that's not what they need to worry about. They need to worry about defrauding the public. Which is what happens when you're 96 % to a person or company 's credit card for instance, but you're denied like I was twice which had a double hit on my credit score because there are flaws in the system. RESPOND please. I don't want this taken under consideration I want this handled. Someone helped my credit score get low enough to where it wouldn't be accepted and then all of a sudden it dropped like a rock. That's what happens to a mentally XXXX person in 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 explanation
Consumer complaint received 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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 2022-02-28 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: Experian Information Solutions Inc.
State: IL

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

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 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
i filed a complaint with you all and recieved everthing i didnt ask for with PRA they sent me 2 old stements ive never seen with 2 totally different amts owed this isnt the orignal contract to prove i owe thid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity was used to open at fraudulent account at XXXX lending, it looks like {$24.00} was loaned and never made a payment and my credit score was hit for XXXX points. i noticed all this on my XXXX XXXX journey. XXXX makes it very difficult to contact them. I reported on Experian but the dispute remains. ( # XXXX ) I don't know what to do at this point. XXXX dos n't have a phone number and do not respond to email.

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My checking account was hacked and I had to be the one to catch it due to my creditors contacting me. It shows that they used different devices or ways to access my account. The did bogus claims on my account. From what the banker explained to me that they would have then gone back and took that money out of my account. Its caused some of my utilities to be possibly cut off. Or the threats of plus fees. Chase then took the money back out of my account to send to the creditors but never received the payments. Now Chase is stating they will have to possibly take the money out of my account a second time. So Im being robbed twice. I have reached out to the bank manager, her boss. Neither have attempted to contact me other than the banker who is doing nothing but being rude and disrespectful. It seems that there is nothing that I can do about this. Its very stressful and Im on a fixed income. I am a combat war veteran who is stuck with no help. Can youll please do something any little thing will help. Please Im begging for help. I appreciate any help at all I can get please. Im possibly going to have to take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-28 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
The company did a hard inquiry check ok my credit without my acknowledgment.

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 2022-02-28 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: William D. Meeker Enterprises, Inc.
State: MI

Complaint narrative:
The company did a hard inquiry check ok my credit without my acknowledgment.

Company response to consumer: Closed with explanation