vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681i SECTION 602 A also state I have the right to privacy. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec, 1681i ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent rights and correct. So could you please check on on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate accounts and remove them if anything is missing or not correct on them. Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect and update the account as ( paid as agreed ). 
Thank you for you time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
Unauthorized inquiry to my consumer report. On XXXX XXXX, 2021 Santander consumer USA, Inc obtain my XXXX consumer report without my authorization or a permission. I do not recognize this inquiry or any accounts with this company that is listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I closed on my New York co-op apartment in XX/XX/XXXX, with a mortgage through XXXX. 


During XXXX, I was granted a forbearance for an extended period of time. Late in XXXX, XXXX, which had been renamed XXXX Bank following its acquisition by XXXX, offered me a loan modification. 


The terms were very favorable, including a lower fixed interest rate, for a 40-year fixed term, and capitalizing the unpaid interest and principal into the loan balance. The end result would be lower interest and lower monthly payments. The new payment amount started in XXXX of XXXX and I have paid each month on time. 


Needless to say, I was very thrilled and pleased with myself but then XXXX sold off most of its residential mortgage portfolio to PNC Bank and that's when the trouble started. 


PNC on multiple occasions sent me loan modification documents to sign and notarize. I dutifully executed them but they also wanted a representative of the co-op to sign them, which the co-op lawyer adamantly refused to do so saying that it was the wrong form. 


After much back and forth, and my own research by speaking with several XXXX mortgage bankers and real estate lawyers, the consensus opinion is that the PNC form is fine but that there is no reason for the co-op to sign it because they have already executed the recognition agreement aka the " XXXX form '' at the loan 's inception. I provided a copy of this to PNC in case they lost any of the files in the handoff from XXXX. 


PNC says that the co-op needs to sign because they are on the deed to which the consensus response is that the deed is irrelevant because the real estate is not the collateral but instead the cooperative shares and proprietary lease are. PNC can't get that through their head and I'm not sure what to do. Part of me wants to sue them or raise a stink on XXXX. 


One lawyer suggested getting in touch with their collateral lawyer who would understand this problem but I can't get past their customer service people who seem clueless about cooperative apartment lending in XXXX. 


This is becoming very urgent because PNC wants to pull the loan modification offer, which makes perfect sense given the very favorable rates. If they do, I will either have to write them a check for over {$40000.00} ( no easy task ) or face potential foreclosure in the next few months. Also, at this point, I can't just refinance because rates have gone way up, which would make my already expensive mortgage, all the more unaffordable. 


So in summary, XXXX offered me a loan modification, which I accepted and then have made all the requested trial payments and continue to do so, but now the rug is being pulled out from under me and nobody seems willing or able to help me. I am really at my witts end so any assistance you could provide would be greatly appreciated. 


Sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
The company has reported wrong information an employer causing me to get fired. I have started a dispute with the company that has well surpassed 30 days allowed for this. I have serious question as to the competence of this company to be doing this job as I had a representative become argumentative with me stating he was certain I lived at a downtown address, the address of the XXXX XXXX XXXX is where he argued that I live. I've never lived downtown, let alone the jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: MD

Complaint narrative:
I sent a certified letter to TransUnion on XX/XX/22 for Demand for Deletion ( it was not a dispute ). My demand was very specific. The response from TransUnion is a stall tactic. TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX the consumer never gave TransUnion written consent to report anything on my consumer report. No consent is identity theft and I demand you remove the inaccurate information off of my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish a report for me. Pursuant to US 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting and by allowing TransUnion to report inaccuracies these inaccuracies, it may cause me to lose confidence in the banking system. If TransUnion would like to continue to do business with me I demand they delete these inaccuracies.

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 2022-08-31 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: TN

Complaint narrative:
requested that experian remove XXXX XXXX from my credit report because it was fraudulent. i sent in a police report because my identity was stolen. this was not removed. I then sent a request for proof that it was my account, proof of what the vehicle sold for, ie bill of sale. I waited more than 30 days and never recevied that proof. I then sent notice that I had never received that proof and they have still not removed the account.

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have done Disputes about in accurate information on my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have done Disputes about in accurate information on my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
After careful review of my consumer reports, I noticed an account on my report from LVNV Funding account number : XXXX. 
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between LVNV Funding and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had LVNV Funding sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that LVNV Funding provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
Ive been going back and forth with privacy rights violators, I want to know whom did you speak with to upgrade the two XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX did an investigation and deleted both accounts..Im inclined to assume you guys fell short of your duties.remove all adverse accounts from my credit report U.S.C 1861 you people in your cult over there are violating my rights expedite it .My next step is law suit.Im a living breathing Devine being having a human experience not a computer algorithm you can disregard and and half XXXX in your work

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 2022-08-31 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: EdFinancial Services
State: TX

Complaint narrative:
I requested a refund from EdFinicial and they told me it would take 150 days or around 5 months for the refund process to go through. This is unacceptable as other providers get refunds back within a month. They are taking advantage of people and trying to push refunds passed the date of the current pause. Please do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Bread XXXX  put my high yield saving in restricted mode for no reason. I called custom service XXXX but after long wait and line got dropped. Finally on XX/XX/2022, after 40 minutes wait, I talked to their representative, he told me because I add my cell phone number, but I did add the same cell phone to other bank where they verified the new information right away through my existing verification method, and never have any problem. The representative promise me he will submit the request to unlock my account. But until XXXX XXXX, my account still in restricted mode. I called their custom service again, and insist I want resolve this issue now, transfer me to account security and finally unlock my account. 
I told them my experience with other bank, and hope they can change their procedures. I hope consumer finance can use your power and influence to make Bread XXXX  XXXX  to change. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal information was breach through out the credit report agency, ( transUnion and XXXX ) I've been try to resolve the issue for almost an year now. then recently find that the credit bureau are the one that responsible for my personal information to get out there. Where I receive email from a third party due to the fact that people are using my information to apply for credit card loans, mortgage et.. I contact the bureau a several time in order to have those inaccurate items as such hard inquiries, company names that I've been heard of or any unverifiable item to be removes in on my consumer report and they're refused to do so. 

According to the Fair Credit Report Act, SECTION 609 ( a ) ( 1 ) ( A ) you ARE REQUIRED BY FEDERAL LAW TO VERIFY-through the physical verification of the original signed consumer contact -All accounts you post on a credit report .otherwise, anyone paying for your reporting Service could fax, mall or email in a fraudulent account. 

I Demand help due to the fact the company that were supposed to keep our consumer information safe are the one that actual causing damage on the people consumer 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 explanation
Consumer complaint received 2022-08-31 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:
Credit bureaus are in violation of my rights and are REFUSING TO CORRECT the issue. 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 XXXX XXXX Acct # XXXX My next steps will be to FILE A CIVIL SUIT against them!

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 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a Macy 's credit card in XXXX or XXXX of this year, so I could buy my wife a gift. I never received the card in the mail. I got a notice from Macy 's about a past-due amount in XXXX. I called and spoke to a Macy 's rep on their line, and I spent about 30 minutes on the phone on XX/XX/XXXX, to pay the balance due. I paid in full, and they negotiated a slightly lesser amount of interest and penalties. They assured me I was paid in full. This week ( XX/XX/XXXX ), I got a bill from Macy 's for {$50.00}, due on XX/XX/XXXX. This, for the account they assured me was paid in full, on the XX/XX/XXXX phone call to them. I called the Macy 's number at XXXX on XX/XX/XXXX, and got a rep who told me I now owed {$52.00}, with late fees. I explained that I had called them, and had paid my bill in full. She admitted that the previous clerk had neglected to remove one penalty charge, which triggered the bill. The clerk agreed to charge me 'only ' a {$5.00} penalty. I told her my account was supposed to be zeroed out on my XX/XX/XXXX phone call, but she said I still owed {$5.00}. I paid, using my debit card, and I cancelled my Macy 's account on that same call. This is a very shady practice, and Macy 's should be punished.

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 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XX/XX/XXXX city bank placed a block on my account, XX/XX/XXXX they sent a letter saying they were closing my account within 30-60 days. It has been over that time Im currently waiting on it to be closed because I had just received my income tax in the account a week prior to it being locked & all of a sudden they wanted to close. Ive called numerous of times each day its a different thing with the representative, I spoke with one two weeks ago XX/XX/XXXX she said that they are closing the account & I would receive my check within 10 days. It has been over 10 days & today when I called back she says to wait 15 days. This happens every time I call they say different things!! These people are a rip off & they are stealing!!!

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 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
After careful review of my consumer reports, I noticed an account on my report from Monterey Collections account number : XXXX. 
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between XXXX XXXX and myself would make me legally bonded to any debt that they maXXXX claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had XXXX XXXX sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that XXXX XXXX provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 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: CITIBANK, N.A.
State: VA

Complaint narrative:
in accordance with fair credit reporting act the XXXX XXXX # XXXX has violated my rights. 

15 usc 1681 section 602 states i have right to privacy.

15 usc1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account underan 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