vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — FHA 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: MI

Complaint narrative:
I have an FHA loan with PennyMac financial services. I have my property taxes and home insurance escrowed. My monthly payment jumped from {$1000.00} to {$1400.00}. I conferred with my XXXX XXXX XXXX and she agreed that something wasnt right. We had a conference call today ( XX/XX/2023 at XXXX XXXX  ) with XXXX members ( which included a supervisor ) of XXXX XXXX service, when asked for a breakdown of the escrow analysis it was revealed that there is an escrow shortage in the account as well a projection amount for up coming escrow payments. My XXXX as well as myself did the math with the information provided and found that theyre charging over double the amount necessary to cover their bases. They refused to elaborate on the additional fees. We asked what their internal policies are for challenging these seemingly unexplainable amounts, we were told there were none. After XXXX minutes, the woman supervisor admitted that she could indeed remove the escrow reserve payment. However there is still an additional {$210.00} escrow shortage payment that needs to be removed, as the increase in the actual escrow payment is more than enough to cover any shortfall or projected costs for the coming year. I am asking that they be investigated for unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: LA

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.

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 adverse item of information, other than records of convictions of crimes which 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.

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 2023-12-05 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: LA

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.

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 adverse item of information, other than records of convictions of crimes which 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX AND FLAN Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX5 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You are reporting inaccurate information. Please see the attached FTC report and proof that my information was compromised in the XXXX XXXX breach and remove the following unverified information from my credit report within 14 days 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

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
It has been a year now that I have been disputing these addresses that I do not know about and I have never lived at any of these addresses and they are fraudulent and incorrect for me and therefore they are affecting my credit report therefore I demand that they be deleted immediately of my credit report since they are affecting me and I have been disputing them for a long time and the credit agency that reports these false and fraudulent addresses is only EXPERIAN and I want them to resolve the problem of eliminating these addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
It has been a year now that I have been disputing these addresses that I do not know about and I have never lived at any of these addresses and they are fraudulent and incorrect for me and therefore they are affecting my credit report therefore I demand that they be deleted immediately of my credit report since they are affecting me and I have been disputing them for a long time and the credit agency that reports these false and fraudulent addresses is only EXPERIAN and I want them to resolve the problem of eliminating these addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ON XXXX XXXX XXXX  TRANSUNION illegally and unethically obtained my mortgage property information WITHOUT AUTHORIZATION and then DROPPED MY vantage and FICO SCORE BY XXXX XXXX for no reason!! TRANSUNION also could have been responsible for dropping my FICO score as well. What they are doing is illegal and unethical under FCRA!! there is no reason for this score drop I have paid all my bills on time and decreased the balances every month on my mortgage and credit card for over 3 years now including this month with no PROBLEMS. TRANSUNION is causing me pain suffering and emotional distress. I'm a XXXX XXXX and person and costing me hundreds of thousands of dollars in future loans due to their dropping my FICO and vantage scores!! OVERNIGHT arbitrarily and capriciously!!

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 2023-12-05 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: DISCOVER BANK
State: FL

Complaint narrative:
I disputed multiple transactions stemming from an issue with a local gym in XX/XX/2023. Because of the issue, my credit card number was changed and I was provided a new card. After numerous weeks of review on the disputed transactions, I received XXXX letters ( XXXX dated XX/XX/2023, the other dated XX/XX/2023 ) from Discover stating that XXXX of the disputed transactions were credited back by the merchant and that the temporary credit would be replaced with a permanent credit. Please see attached letters. 
These credits were never applied to my account. I have attempted for weeks to get this situation fixed and all I get is hours on the phone being transferred from Billing, Fraud, Resolutions back to Fraud and then back to billing. I have several recorded calls proving my attempts to get this corrected. On call in particular was the most concerning. On XX/XX/2023 I spoke with several people : XXXX in Billing ( XXXX ) who transferred me to XXXX in Fraud then over to XXXX XXXX XXXX? ) them over to someone else and finally on to XXXX in resolutions. I recorded this conversation and XXXX clearly stated that the credits were on the old account and just needed to be moved to the new account. He stated that XXXX had to do this and he put me on hold while he contacted their department to do this. He came back several minutes later and told me that the XXXX department refused to transfer the credits. Flat out refused to do so. He told me he understood how frustrating it is but that it had to be escalated to XXXX. The same team refusing to help. Its concerning g that a merchant credit can be stolen by a credit card company and pocketed rather than being applied to the account the merchant was refunding. I find it to be theft. How can a credit card company make you replace your card and account number and then refuse to apply credits that hit the old account? They had no issue transferring over the balance but are simply refusing to transfer credits that they supplied to me in writing tied to transactions i the old account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 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:
According to FCRA laws 15 U.S.C. 1681, there are items reported on my credit report that do not belong to me and must be removed. An FTC report has also been attached for items that does not belong to me. This is hindering me from buying a house and it is extremely frustrating.

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 2023-12-05 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: TX

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.

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 adverse item of information, other than records of convictions of crimes which 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.

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 2023-12-05 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: TX

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.

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 adverse item of information, other than records of convictions of crimes which 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: GA

Complaint narrative:
I did not give consent or authorize the following inquiries on my credit report : By obtaining my Transunion consumer report on the dates below without my permission, or without a permissible purpose by law, this is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with the companies below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies below for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Trying to remove a fraud freeze from my credit report so I maybe approve for an apartment and just got decline because Experian hasn't removed my fraud freeze. XXXX I request them by mail and send a valid photo ID for them to remove it. It's XXXX and it's still on there.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
In XXXX or XXXX, I received a notice in the mail stating that FNBO was going to increase my APR in XXXX. On XX/XX/ I paid the full balance {$2300.00}. On XX/XX/ I received a letter stating that my credit limit was decreased due to delinquency on my account with them, total monthly payments and DTI. When I called to find out how I was delinquent when I paid it in full, I was told that I had a {$13.00} balance that I didnt pay. I informed to rep ( XXXX XXXX # XXXX ) that I never received a bill for the {$13.00} and was told that I was enrolled in e-statements. I said I never enrolled in e-statemets and always received a bill in the mail. I requested to have the issue elevated and to speak to a supervisor. She placed me on hold for a few minutes and told me her supervisor XXXX XXXX XXXX said there was nothing they could do and to figure it out with the credit union, XXXX. She said I could also request a credit increase in four months but it would require a credit pull. I reiterated that I never enrolled in e-statements and how they could address that. She told me if I wanted a bill for that, she would send it. I wasnt allowed to speak to a supervisor nor would she address the fees on the account after I paid the account in full or that I didnt enroll in e-statements.

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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My husband received an email from a financial institution with whom we have an account asking for him to contact them on XX/XX/23. We called on XX/XX/23 and learned that someone had tried to withdraw {$1000.00} from this account to an account under my name from Citizens Bank. I do not have any accounts from Citizens. We closed the account from the financial institution that the bad actor had tried to withdraw the money from.

Today I received a letter in the mail from Citizens Bank that confirmed that I ( not really me ) opted out of debit card overdraft coverage for ATM and everyday debit card transactions. It listed the last 4 numbers of my account on the letter and had a phone number for Citizens Bank to call with inquiries. I called and spoke with a fraud specialist. He was able to report the fraud and stop the debit card privileges. He said that the accounts were just opened last week and that there was a {$20.00} balance in 2 accounts with my personal information, including my email, home address, and SSN. 
In addition, in my XXXX XXXX banking credit card app, there was a " dark web alert '' dated XX/XX/23 that said my email address was compromised and my passwaord was exposed. I have since changed my password.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
My federal student loan servicer is EdFinancial, and for the past few payments I've submitted, specifically ones on XX/XX/23 and XX/XX/23, they've somehow " received '' less than what my payment confirmation and bank statements show. For example, I paid {$400.00} for my XX/XX/23 payment, yet they only received {$250.00}, and I paid {$4500.00} for my XX/XX/23 payment and they only received {$4400.00}. Furthermore, after calling about this, they were slow to set up and ticket and didn't have an explanation for why it is occurring. Additionally, I've called about this issue numerous times, and have yet to receive any sort of resolution about it.

Company response to consumer: Closed with explanation