vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: AK

Complaint narrative:
Attention XXXX XXXX at ( XXXX ) XXXX, yeah hi, its me again ; when you called me and I returned the call immediately on XXXX, and I quote " I'll have a XXXX call you back on an unrecorded line '' how long does that usually take, it has been almost a month and no call? Did you lie when you told me you'd do this? Are managers at Pennymac incompetent to the point of not being able to return a phone call? Do you even put a request in? 

Secondly please consider whatever document I signed on XXXX regarding consent to receive emails/electronic communication null and void. Based off my numerous complaints I believe it is very obvious that I do not wish to receive any emails from Pennymac to include : notifications of payments received, escrow analysis, or CFPB complaints. Any and all will be considered harassment. Any and all notifications/information/literature/updates/knowledge from Pennymac to my home address on paper ( you know that stuff made from trees ) via the United States Postal Service.

Per the CFPB interpretation of CFR Part 1006.6 - 1006.42 Official interpretation of Paragraph 6 ( d ) ( 4 ) ( i ) ( B ).

1. Prior consentin general. Section 1006.6 ( d ) ( 4 ) ( i ) ( B ) provides that, for purposes of 1006.6 ( d ) ( 3 ) ( i ), a debt collector may send an email to an email address if, among other things, the debt collector has received directly from the consumer prior consent to use the email address to communicate with the consumer about the debt. For purposes of 1006.6 ( d ) ( 4 ) ( i ) ( B ), a consumer may provide consent directly to a debt collector through any medium of communication, such as in writing, electronically, or orally.

2. Prior consentconsumer-provided email address. If a consumer provides an email address to a debt collector ( including on the debt collectors website or online portal ), the debt collector may treat the consumer as having consented directly to the debt collectors use of the email address to communicate with the consumer about the debt for purposes of 1006.6 ( d ) ( 4 ) ( i ) ( B ) if the debt collector discloses clearly and conspicuously that the debt collector may use the email address to communicate with the consumer about the debt.

Again I revoked consent for electronic communication from Pennymac on XX/XX/year> in writing ( CFPB COMPLAINT ID XXXX ), which Pennymac acknowledged XXXX of on XX/XX/year>, but thus far has in action ignored. If it is truly consent then it is revocable, if it is not consent then I would like in writing why Pennymac is forcing me to agree to something XXXX in writing do not agree to. 

Cheers!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-26 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: EQUIFAX, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Nevada Laws Dear CREDIT COLL, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Nevada Revised Statutes ( NRS ) Sections 603A.100 and 603A.120.

It has come to my attention that CREDIT COLL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Nevada state law, specifically NRS Section 603A.100, emphasizes the necessity of consumer consent for credit reporting. Furthermore, NRS Section 603A.120 outlines specific guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for CREDIT COLL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDIT COLL immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and NRS Sections 603A.100 and 603A.120. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Nevada state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CREDIT COLL will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX 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 explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
Account is closed and would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I received notice from MOHELA on XX/XX/year> that, due to a federal district court stay of the SAVE plan, my loans would be placed into forbearance AND my time in forbearance would not count toward the PSLF that I am seeking. The letter stated that if I wanted the time to count and not be placed in forbearance to call their customer service number to discuss repayment options. I called the same day. I was told that I could not apply for another IDR plan at this time, because DOE was not processing them. My only option to have my time counted toward PSLF until this stay is lifted is to place myself on the " level 10 '' plan. This repayment plan would increase my monthly payment by over {$1000.00}. I can not afford that increase. They did not provide any copies of the Court decision or DOE decision regarding the time not counting toward PSLF and/or the inability to process IDR applications at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-08-26 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date Of Birth : XX/XX/XXXX ID Type : Driver License ID Number : XXXX Address : XXXX XXXX  XXXX, XXXX, XXXX  XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX i reviewed my early warning consumer report and noticed some fraudulent accounts. could you please remove these accounts. I am writing to request an investigation of the following information that appears on my early warning system consumer report. Iam a victim of identity theft. 

XXXX  : XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX  XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX - XXXX  Date Opened : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  Name : XXXX XXXX - XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX my accounts with Wells Fargo were hacked. I suspect that it was an inside job as I received three phone calls from the Wells Fargo customer service number. The person that called me had all my personal banking information what debit card was linked to what account also my ATM PIN number I did not provide the information they had it all, including to text messages from Wells Fargo. My atm cards were in my possession and not even my husband of 26 years had my atm PIN number. I filed a complaint immediately with Wells Fargo the denied my claim accusing me of robbing myself or giving my PIN number to clean out the accounts. I have kept reopening these claims and I filed a police report, but with all the hacking going on with customers of Wells Fargo they refuse to pay me my money and overdraft charges incurred by this fraud. Besides they have accused of being a thief and committing fraud this constitutes defamation of character. Something has to be done with the fraud constantly committed to Wells Fargo customers. Ive had to borrow money to cover my bills that were set up as Ach debits. The most important evidence is that the person that took out my money is seen in the atm camera and it was an XXXX American male, nothing to do with me.

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 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am writing to inform you that I was recently targeted in a phone scam that resulted in an unauthorized XXXX transaction being sent. 
The scam occurred on XX/XX/year>, during which I was misled into providing sensitive information over the phone by someone. 
The XXXX payment was sent to # XXXX under the name of XXXX XXXX XXXX of {$900.00}. They tried to have me believe my aunt was getting XXXX. 
Since my aunt lives XXXX XXXX XXXX XXXX XXXX XXXX  I was quick to send the money. They used tactics such as threatening XXXX XXXXXXXX XXXX  if nothing was sent. This call was also hacked since I was able to see my aunts caller id. Which made it even more real Given the prior details, I fell for the telephone scam. 
Given the seriousness of this matter, I kindly request the following actions to protect my account : Please conduct an internal investigation with my bank Sofi. I did not authorize a payment rather was forced and manipulated into sending the money. 
They have closed my fraud case and have provided me with XXXX resolution. Id be happy to provide more information if needed. 
Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: Block, Inc.
State: NY

Complaint narrative:
sometime in XXXX or XXXXXXXX XXXX XXXX my cashapp account was closed for no apparent reason i been using cash app for years with out any issues i felt i never did anything in violation of the terms and conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-08-26 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.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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