vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank operates in the most unethical and illegal manner to boost their profits and injure their clients. My mortgage payment was adjusted ( up to cover escrow payments ) and they failed to inform me. They have my phone number and email address -- they never left a voice message, no text, and no email. When I sent my monthly mortgage payment, they deducted funds from my escrow to cover the changed amount -- I was not informed they took this money from my escrow that pays property taxes and insurances, not the bank itself. Still unaware of what's going on, I sent my next monthly payment. This time they did not apply my payment, I am unaware for several weeks. It came to my attention when I received an email from a credit reporting agency that the PNC Bank account was late. When I called the bank, they told me they returned my 2nd payment -- however, several weeks had passed and I never receive a check. When I became aware of this problem, I immediately called the bank and resolved the matter on the phone ( paying a trivial $ XXXX ) to bring the account current. Yet, PNC bank charged late fees and withdrew funds from my escrow to enrich themselves and damaged my credit with late payment reporting. All this happens because they ( intentionally ) failed to notify me. This practice is a business process to enrich their bottom line -- they have several methods to communicate with their customers instantly and intentionally disregard them to enrich themselves. This has happened to me before, PNC Bank is ripping-off their customers across the board using non-communication as a business practice to trigger fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/22 disputed debt with experian never validated debt with proof of documents with signature and original application of account with XXXX XXXX XXXX for a secure card

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 2023-06-27 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i don't have an account with fig loans. please delete from my credit report immediately.

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 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a notice in the mail from Online Information Services , Inc. for debt collection of {$700.00}, allegedly originally owed to XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), an energy company apparently servicing various areas in Texas. The original alleged amount owed was " as of XX/XX/XXXX ''. 

I am not now nor have I ever been a resident or conducted any business in the state of Texas, nor have I ever engaged with XXXX XXXX XXXX XXXX XXXX or any other related company for such services or otherwise. This is the first I've ever seen/heard of this company/group. 

On XX/XX/XXXX I raised this issue with XXXX and they have informed me they've raised a ticket with their back office. They requested that I formally report this as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian didnt remove XXXX account 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 explanation
Consumer complaint received 2023-06-27 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: PA

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 2023-06-27 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I'm XXXX XXXX received a debt collection letter from uscb America stating I owed a debt of {$88.00} I had no knowledge of this debt. I responded to these allegations XX/XX/2023 uscb America was in receipt of my response the same month I have a certified receipt showing proof in accordance to us code 15 section 1692 g I demanded a hard copy of the original signature for validation I received some type of document with a signature that does not belong to me further uscb America is in violation of the HIPAA by furnishing documents of my past visit to XXXX I have documents that XXXX furnished to me as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Extremely Time-urgent XX/XX/XXXX XXXX XXXX XXXX XXXX Chief Executive Officer Current For Immediate Resolution Dear XXXX XXXX, XXXX XXXX and Current Executive Management : Please accept this email as a time urgent request to release my account and funds, as my account has been restricted arbitrarily and these funds are time urgent to care for my ailing Service Dog, XXXX ( XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX. 

Per your request, please see the following and urgently release the hold on my account prior to contacting XXXX XXXX XXXX and local media XXXX XXXX XXXX to aid in this egregious matters urgent resolution. 

Please note that the address on my Current account is no longer current as a XXXX XXXX from XXXX XXXX, working and living in XXXX, I attempted to updated my address several times but the app would not allow such to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ). As such I am attaching other bank statements as well reflecting this address. 

Please urgently remove this restriction and contact me immediately to ensure this has been resolved, prior to all aforementioned actions. I have provided Current Bank and XXXXXXXX XXXX the following documents as of XX/XX/XXXX at XXXX PST : 1. Selfie holding current State ID with present mailing address ( as a licensed XXXX XXXX we utilize our mailing addresses and NYS DMV permits these addresses to be listed on our ID as we travel ) 2. Proof of CURRENT mailing address matching ID ( Bank statement ) - as a XXXX XXXX I do not pay utilities or phone, this is included in rent. 

3. The refund from XXXX XXXX was provided to me and my partner, for a refund of a XXXX completed previously that resulted in errors and was refunded on behalf of the XXXX XXXX XXXX. This XXXX was performed over one year ago and the card used at the time of XXXX has since been closed XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX approved this refund ( cashier XXXX XXXX ) and requested a new card to send my refund to, and I selected my Current account. Please see receipt from said refund from XX/XX/XXXX. 

Please urgently ensure the release of my funds and account restrictions, as this matter constitutes as a dire-need situation given the present needs. 

Thank you kindly in advance for your urgent assistance. 

Best, XXXX XXXX ( XXXX ) XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid off XXXX in XX/XX/2023, its still on my credit report as open and a balance. I called an no response they said its the colllection agency I call collections agency and they said the reported to the credit bureaus already. Its a cat and mouse game. Please 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 2023-06-27 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: IL

Complaint narrative:
XXXX/transunion/ XXXX have stated the bankruptcy court verified the bankruptcies on my account the bankruptcies court does not provide the credit reporting information to anybody I will upload my bankruptcy letter XXXX has lied and have violated my rights as a consumer I want bankruptcies removed and all inquiries removed immediately or I will file a lawsuits! XXXX has all approved removing everything from my credit file I have disputed! And also sent out letters to all XXXX credit bureaus to remove all disputed information off of my credit file! XXXX says they are not the credit reporting agency for any of these companies! Please remove all information off of my credit report!!!!!! Immediately

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 2023-06-27 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: GA

Complaint narrative:
I have unverified and unauthorized inquiries and collections on my credit report thats need too be removed asap

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 2023-06-27 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: CA

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681c section 602 ( 4 ). 
1 ) Acct # XXXX XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX. Acct # XXXX. XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681c Section 602 ( A ) states I have the right to privacy.

15 U.S C. 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that these accounts be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: GA

Complaint narrative:
My mother receives repeated calls on a daily basis when the company has not once tried to contact myself or sent any correspondence through email or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Issue : Check cashing policy terms and conditions Facts : As a customer with over $ XXXX in account. I visited Bank of America ( BOA ) branch at XXXX XXXX XXXX XXXX NC XXXXOn Monday XX/XX/2023 I attempted to cash a rewards check from XXXX XXXX approximately {$330.00} drawn on Bank of America XXXX interesting ) I also had a {$10.00} dividend check from XXXX XXXX XXXX The teller indicated she could not cash the XXXX XXXX check. I inquired, why not? The Banks screen indicates you can only deposit. Somewhat baffled and disappointed I asked what is your check cashing policy? I had already been verified and used my debit card for additional verification as my accounts were further checked. This statement and action appeared inconsistent as I have banked here for 7+ years and had over $ XXXX in my checking account. The teller continued to state that her screen indicated deposit only. Moreover, she indicated I needed to call XXXX XXXX or BOA. However, I never received an adequate explanation of possible conditions ( deposit only ) XXXX XXXX confirmed that the check was sent to be cashed, they did not indicate for deposit only. I continued to ask after speaking with XXXX XXXX, What is BOA policy for customers with funds, confirmed ID and drawn on your BOA-bank? 

The failure to cash a properly presented check appeared arbitrary and capricious or BOA has some other unknown policy and inconsistent procedure. 
I deposited the check and went on to withdraw {$350.00} from my account ; however, I was disappointed by the lack of clarity and the disregard for me as a customer, the bank failed to disclose the terms and conditions- if any. 
Conclusion : I would like this incident, check casing policy, investigated as the customer could not cash a properly presented check, used valuable time to understand why not, and believes the impact to possibly other customers can be injurious and may be a UDAAP violation.

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 2023-06-27 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: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
I filed a ceased letter on XX/XX/XXXX with Midland Credit Management, XXXX and after that letter I keep getting threatening letters, with the most recent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2023-06-27 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: CA

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 2023-06-27 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: IA

Complaint narrative:
I found 2 hard inquires on my report and XXXX XXXX XXXX  refuses to take them off! I called and spoke to XXXX from XXXX XXXX XXXX and he couldnt find any full applications. Another person told me different information! I think they cant get their stories straight!! NO WHERE did it say it would be a hard inquiry and I will upload a picture that shows that! 
I also contacted Experian today on XX/XX/XXXX. They kept hanging up on me and transferring me to different departments, and no one would help 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 explanation