vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
On XX/XX/XXXX I logged into my Pennymac account and processed my monthly payment. 
After a few days, I noticed that the payment had not cleared my account. On XX/XX/XXXX I called Pennymac and left a voicemail and my call was never returned. 
On XX/XX/XXXX I called and spoke to XXXX ( ext XXXX ) and explained that my payment from XX/XX/XXXX was not processed and that everytime that I logged in, their website showed " payment processing '' and that no additional action or payment could be made. 

After a long hold time of over an hour, the rep came back on the line and said that the payment was a scheduled payment of two payments ( the current due payment and a future payment ) and they were scheduled for XX/XX/XXXX. 

Pennymac manually processed my payment on XX/XX/XXXX and called it a partial payment, which it was not. 

I explained to XXXX that this was an error on the Pennymac website and that I had properly processed my monthly payment and that their website had made the error/mistake. 

Pennymac called a few days later and said that they were not responsible for the error. 

This simply is untrue. The XX/XX/XXXX payment was made on time. 
Pennymac reported me as over 30 days late to all three credit bureaus- XXXX XXXX , XXXX and XXXX . 

I want the negative reporting removed from my credit report and I want any associated fees refunded for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 

lightstream bank inquiry date XX/XX/2023 2023

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 2023-08-28 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated
State: TX

Complaint narrative:
A judgement was made and awarded to Unifund CCR LLC, {$2200.00} plus {$750.00} in lawyer fees, & XXXX  % per annum from XX/XX/2017 until paid. This happen without any proper notification of the lawsuit, as any documents were sent to a previous address. The only way I was notified of the situation is when Justice Court Precinct 2, mailed a summons to my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15-USC-1681 section 602 states I have the right to privacy. 15usc1681 section 604-A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15-USC-1666-B a creditor may not treat a payment on a credit card account under and open and consumer creditplan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On my Experian report # XXXX I have disputed a few times already that they are reporting over and over inaccurate and incorrect information and that is damaging my credit report I am so tired of them doing this with items on my credit report! The issue is with my XXXX XXXX  Unsecured credit card I opened in XX/XX/2023 which is incorrect and when looking at the Experian you can see they even report it as when the card was opened and then they have backwards information reporting that the last update was XX/XX/2023. That information is backwards! Also, they are reporting that the account has been included in a bankruptcy which also is false information and reporting negatively to my report every month! This account has been closed but has a small amount of history from XX/XX/2023 to XX/XX/2023 of on time payments made and still a balance of {$100.00} which isn't even due yet until XXXX next month XXXX. Please Help me! Thank 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 explanation
Consumer complaint received 2023-08-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
1.DEPT OF ED {$9300.00} UNVERIFIED/INNACURATE 15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S. Code 1681b ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TX

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank 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 2023-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I received an email on XX/XX/2023 that Ally Savings Bank had closed my savings account. No reason was given as to why the company closed my account. I sense this was done in retaliation for a complaint I had filed with CFPB.

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 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I attempt to cash draft check at PNC BANK OF XXXX NC  from a company related with progressive info from a third party for the amount of $ XXXX on around XXXX XXXX. The first attempt the scan check and had cash on the desk as if the check was good for cash. Then they ask questions and declined to cash it. Even made a copy of check. The check was in my name and I got it from someone who's wife drafted up the check written in Alabama from XXXX XXXX XXXX 

The 2nd time I tried to cash the check they ask me to had them the check and envelope because the check wasn't list on banking information for cashing. I could see check resembling my name and check on the computer screen from about 8 ft away. The banker may had cash the check and deleted the information wrongfully. I had an CSID.com to call them and they had no information about my check. 

I think PNC BANK OF XXXX NC is fraudulent customers of check cash and maybe embezzling people checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner sent me a debt collection notice for " XXXX XXXX XXXX XXXX ''. To my knowledge, I have never transacted business with XXXX 's. When I contacted Caine & Weiner to inquire about the alleged debt, they could not provide me with any information about the debt, nor could they provide me with information about how to contact XXXX 's. The representative told me I could " look them up online ''. Frighteningly, they knew at least the last four digits of my social, and they knew my birthdate. 

When I finally found a way to contact XXXX 's, they had already received numerous calls about this debt-collection company ( Caine & Weiner XXXX XXXX but they did not have any information on any debt I might owe them. 

I believe Caine & Weiner is fraudulently trying to collect a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
No communications from company for over a year. No reporting to credit bureaus of any kind. Then 2 days delivered a summons for court out of the blue. Terrible company. Feel like it is all predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TN

Complaint narrative:
i am a victim of identity theft. my id was used to get loans and credit. I filed the correct paperwork and sent it into the credit reporting agencies per the FCRA. I have asked for copies of the verification process and still haven't received the paperwork. 

These are the accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-28 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NY XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been trying to receive a refund due to my trip cancellation back in XXXX. I have tried reaching out to the travel insurance company to have our trip refunded since I bought the insurance but to no avail. After a year or so going back and forth with the insurance company I have decided to reach out to Chase because I used my XXXX XXXX  to pay. I submitted an Eclaims with Chase and it's almost been 2 years now and Chase has also been giving me the run around. Asking me to submit documents that I've already submitted and requested to gather more " proof ''. I'm backed against the wall as I have submitted all that I can that was requested of me. The total amount that I'm requesting for is {$2600.00}. This is the down payment cost for the flights and XXXX XXXX XXXX ( {$2400.00} + {$240.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
A credit card was opened and issued to someone other than me using my information. I have contacted the company on several occasions, and they refuse to send the information that I'm requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: OK

Complaint narrative:
Attempting to collect debt of {$520.00} not owed by myself. Debt under name and address that is not me. Notices from original client never received. Violated HIPAA & FDCPA by collecting a debt not owed by myself. Reference # XXXX

Company response to consumer: Closed with explanation