vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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:
Credit plus is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully ; p ] '/loobtaining my TransUnion consumer report on XXXX XXXX, XXXX XXXX, XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had my account with Wells Fargo since XXXX  for a short period of time I had to stop using this account due to having WAYYYYY to many problems with this bank

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them from my credit 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 non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo incorrectly charged me overdraft fees and then said per customer service I was no eligible for the pay out even tho I know I am. I am being scammed out of my own right to a part of this settlement payout

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 2023-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
A blackwater flood damaged my home in XXXX of 2021, after 17 months of battling with XXXX insurance, a settlement was reached through the appraisal process at XXXX 's request. A check for the repair settlement was written to my mortgage company, PennyMac. 

I live and work XXXX hours away from the damaged property and have very little availability to travel to the company for a digital or physical inspection. PennyMac has issued less than half of the settlement funds to me and continues to cancel the scheduled inspections through their automated system. The inspection has been canceled three times. I am the acting XXXX for repairs and can not proceed unless PennyMac releases additional funds. Documentation of the expenses has been submitted. 

Repairs on the property can not proceed until additional funds are released. Additional funds can not be released until an inspection is conducted. Requests for an inspection have been continually cancelled by PennyMac. I can not reclaim $ XXXX of depreciation from XXXX unless repairs are completed withing the next 4.5 months. I can not reclaim depreciation until funds are released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
This account has been persistently popping up on my report since XX/XX/2022, and is a result of identity theft. I have already submitted my Identity Theft Report to XXXX through the CFPB XXXX. 

I first noticed this account in XX/XX/2022, at which point is started fighting it. It was being reported by Credence Resource Management. 

After disputing and proving that it was identity theft, the account was removed from my report. THEN XXXX sold it to XXXX XXXX, who attempted collecting on it. I again submitted an identity theft report, along with additional documentation proving that my identity was stolen and being used. 

The XXXX XXXX went off my report about 2 months ago, and XXXX is now trying to collect AGAIN through Credence Resource Management who is calling me telling me I owe them for XXXX. 

I demand that XXXX THROWS OUT THIS ACCOUNT AND STOPS HARASSING ME OVER AN ACCOUNT THAT I HAVE THOROUGHLY PROVED TO NOT BE MINE. 

All contact regarding this matter should be sent to XXXX XXXX, my attorney will handle it from here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been diligently working very hard the last year to improve my credit report. I've been paying my bills either on time or ahead of time. I Opened a business secured credit card and pay it off at least monthly. My credit score had increased over XXXX points! I Have no other debt, haven't applied for anything, yet my credit score continues to drop every week? I contacted trans union and after XXXX minutes of being transferred to foreign speaking agents ican barely understand and reverifying my identity 3 times, they REFUSED to tell me why this had occurred without me giving them a credit card and PAYING them, {$9.00}!! Isn't this MY credit report information that THEY KEEP messing with? This is more than discouraging as a single parent who has been working so hard to correct this problem. I have also filed online disputes to multiple accounts on my report that are unrecognizable and that I've NEVER done business with these companies and I have gotten zero response from these disputes. It's been over 2 months that I've filled these. All they do is keep lowering my credit report rank!!!

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 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: UT

Complaint narrative:
XX/XX/XXXX I sent a dispute to the collection agency DataIQ. The dispute goes back a while before that with an apartment complex, XXXX XXXX XXXX The apartments attempted to include a number of charges that were not mentioned in the contract, one of which including a repainting charge. When asked for more info, I was told that there was {$67.00} charge for painting. The contract never mentioned this as being standard, and this was mentioned. While trying to resolve the issue with the apartment complex and asking multiple times for some kind of proof of damage and repair, nothing was given and they instead sent the charges to DataIQ. From the first call with them, they have been mean, pushy, disrespectful, and have tried to intimidate me on multiple occasions. I ask for more info on what they mean by something and they hang up, I ask for more clarification and they change the subject. I was eventually pressured into paying the now $ XXXX ( due to interest ) due to them intimidating me with no time to actually put together a response. I sent my dispute in XXXX stating the legal obligation the apartment has in providing proof, including several laws and court decisions from the past which show that the burden of proof is in the apartment, not the tenant. It was not acknowledged and nothing was communicated about it. I have sent two separate emails to ask about the dispute and no response was given. Today on the XXXX of XXXX, I tried to call to get more information about it. The agent on the phone was very rude, said I paid the debt so my account is closed and theres nothing she can do about it. I asked if there was someone else I could talk to and she said no. I asked what we can do about it because the charge was unlawfully made, and she said it doesnt matter what I think because they closed the case and there is nothing I can do. She offered a mailing address or a fax number and I asked what those were for and she said if I wanted them I can call back but she had work to do and hung up the phone. 
Not only have they been hostile toward me in attempt to get the money, but they are also hostile when I try to right a wrong done against me. They offer no means of correction. They have intimidated me into making a quick decision and they are intimidating me again now that I question the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account was hacked into and funds were withdrawn by a company that I did not authorize and the bank didnt do much about it other than file an investigation. That was it it was not handled properly and I feel my funds are in jeopardy.

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 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I had been receiving multiple calls and letters from National Credit Systems from their representative XXXX XXXX XXXX regarding a debt I do not recognize at all. I could see from the letters that it was for the amount of {$340.00} originally due to XXXX XXXX, a company whom I also don't recognize. Apparently, according to the letters sent to me, this debt was due XX/XX/XXXX but it doesn't say what for, and until I got a call from collections, I never got a notice from anyone saying I owe them anything, they just let this debt go straight to collections and purposefully effect my consumers report. At first I ignored them because I was just annoyed, but then I saw they hit my credit report and never gave me fair notice, so I looked into how I can learn more about this debt. After searching online I came across several samples of a debt verification letter that I could send to them, and with that I could request a cease and desist for 30 days while I wait for verification. I included all the details I needed to in my letter - dated and sent XX/XX/XXXX. It is now XX/XX/XXXX and the same rep has attempted to call three times now, first on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and earlier today at XXXX ) leaving a voicemail stating they are attempting to collect. I have yet to receive any verification and I don't want this effecting my credit anymore, I need something done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
The amount is for XXXX the company name is 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 2023-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I opened a promotional XXXX XXXX Savings account with Capital One and authorized {$10000.00} to be withdrawn by Capital One from my XXXX XXXX checking account XXXX. Capital One withdrew {$10000.00} twice, causing severe overdrafts and bounced checks in my XXXX XXXX account. Capital One staff were unwilling to help, a managerial team member even hung up on me when I asked for the transfer to be reversed. I opened a claim with XXXX XXXX to mitigate overdraft and return fees. Capital One eventually reversed the transfer, but only after significant embarrassment and damage from reversed checks to businesses, contractors, and nonprofits as well as lack of funds fees had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: KY

Complaint narrative:
My mom passed away in XX/XX/2022. At that time, she had her Medicare premium payments set up for auto payment through PNC bank. I notified PNC and Medicare/Social Security that my mom passed away and provided the official death certificate XX/XX/2022. I then filed for probate and waited for that process to complete. When probate ended, I went to PNC to pay the lawyer fees and settle the estate. It was then that I found out PNC had continued paying mom 's Medicare premiums EVERY MONTH since she passed away ( around the XXXX of the month ). At the time, it was 11 payments of {$140.00} each. At the local branch, I was told it was their mistake and they would make it right by XXXX XXXX XXXX XXXX KY. I put a stop order on all future Medicare payments and received an e-mail confirmation that it would not happen again. The next month, they paid it again! It is now almost {$1800.00} PNC has paid out to Medicare since mom passed. I then received 11 letters from PNC saying they would not be paying me back for the money and that the matter is settled. After numerous visits to local branches, phone calls, and e-mails this is where it stands : PNC blames their third party bill pay service. The third party bill pay service blames Medicare. Medicare told that third party bill pay employee that they have not been billing them or making any electronic requests for money, PNC just keeps sending it out. She said this would be the equivalent of me sitting down and writing out a check and mailing it in each month ( knowing that my mother is deceased and not receiving the benefits ) but just continuing to pay the insurance premiums. THE THIRD PARTY EMPLOYEE AGREED. But no one has made it right! I have had numerous phone calls with social security and filled out forms/written letters to try to get the money back. I have gone to two local branches of PNC, sat on the phone for hours with the escalation department, and written numerous e-mails to try to get the money back. I have not had any success. I have reached out to the lawyer that did mom 's estate/probate for help. He called PNC last week and said that once those moneys had been filed on the probate form, it was unlawful to keep removing those funds. PNC has not responded. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I discovered a scam which affected my direct deposit information at my employer. Received an email from XXXX on my work email, notifying me that my direct deposit information had been updated. I check my XXXX account notice that a secondary bank account ( Bank acct # XXXX, Rounting # XXXX and changes were made from IP Address ) was added and said that 95 % of my net pay would be deposited and whatever was remaining would go to my personal bank account. I contacted my employers HR dept and immediately made chances to delete that unknown account so that when I got paid all funds would go to my personal bank account. I discovered that the Routing # for the fake account belongs to The XXXXXXXX XXXX I tried to contact them at phone number XXXX ( address in XXXX, DE ) but was told that the account belongs to PayPal Cash Plus and would have to contact them, that they only provided cards to PayPal. I contact PayPal Cash Plus ( phone number XXXX ) and was given the run around, placed on hold for 30 minutes+ and even hung up on until I spoke with XXXX XXXX some customer complaint department and she informed me that she is unable to pull an account without an email and that the account is linked to a Direct Deposit account and theres nothing they can do but " investigate ''. SHe would not give any details as to whom the account belongs too or anything. I asked for details of this investigation and if I can be informed of the process and they said no. I've had all my devices searched for viruses and malware, including my phone and it all came back clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Tapper and Fratto, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX accounts were frozen. I learned that the name of the company that froze my account is TAPPER AND FRATTO , LLC. I left them a message and a woman called me back. She informed that they obtained a judgement against me on behalf of a rental apartment complex named XXXX XXXX XXXX where I lived in back in XXXX. I asked her for documentation about this and she told me that I had to get it myself. When I looked up my name ( both married and maiden ) in the XXXX  XXXX, I see no such case nor judgement entered. Additionally I was never served any court papers pertaining to any of this. When I researched this company Tapper and Fratto , LLC I learned that the company is NOT IN GOOD STANDING, so how is this process even legal? The XXXX of XXXX  makes clear that : If a business is not in good standing, it may not legally conduct business in XXXX How is this company allowed to practice debt collection while not being legally allowed to conduct business? Where are the copies of this lawsuit or service?

Company response to consumer: Untimely response
Consumer complaint received 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-11 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: NC

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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