vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: FL

Complaint narrative:
N Accordance with the fair Credit Reporting act XXXX  Account XXXX, has Violated My rights.15 U.S.C 1680 section 602 A. States I have the right to privacy.15 U.SC 1681 Section 604 A Section 2 : It also States a Consumer reporting agency Can not without my written Instructions.

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 2022-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX, PennyMac sent me an escrow refund which was less than amount actually owed. Upon calling multiple times ( XX/XX/XXXX ), PennyMac ( weeks later ) stated they applied a partial escrow refund to my payoff amount. This was done without my consent. The refund check issued to me was short.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them consent.

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 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount Capital Group, Inc.
State: TX

Complaint narrative:
A consumer credit transaction was initiated with XXXX XXXX in 2021 with this debt collector, and they have published deceptive forms to make me believe I owe a debt, along with illegally reporting to my consumer credit report that I gave no written consent for. I have gotten repeated harassing phone calls and text messages, about this alleged debt and it has impacted my life and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: IL

Complaint narrative:
My equifax credit score is not accurate and equifax has violated my consumer rights. Title 15, ch. 41 and ch. 94 sub chapter 1 & 2. 
15 USC 1681a3 and 1681a4 Equifax did not exercise their grave responsibility. You were unfair, you were partial. Equifax did not respect my right to privacy. 
I never instructed Equifax to furnish this report. Nor did I give Equifax consent or to create this report in the first place. Equifax never had permissible purpose from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
I received a collection letter from First National Collection Bureau Inc. I have emailed them more than once informing them this is not my debt. I've tried calling several times but recording says they have heavy call volume and to email them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was informed by an agent by the name of XXXX XXXX with XXXX that in order to overturn a denial to my application for a lease on an apartment that was already approved, when my wife applied alone because their application didnt originally let me be added as her spouse, that i needed to pay an outstanding debt of {$150.00} to a debt collection company called TSI . She gave me the number in a text message as followed, Okay so from what the billing department stated was this : Please have them contact TSI at XXXX to pay the {$150.00} balance due on that account. Once this is paid, please email over the proof that the balance is paid in full and once received then I can get the approval to overturn the denial. so I called TSI and this debt is no longer active and closed and has no balance because it was a debt discharged with my bankruptcy in XX/XX/2016. The original debt was with an apartment community named XXXX in XXXX Texas and then sold to TSI in XX/XX/2016. Nonetheless, XXXX is stating they need some form of documentation from TSI that the balance was paid or at XXXX in which I asked TSI for but they are stating they can only fax such letter and it will take 3 days. This is an issue for me because this to begin with should not be reported by the consumer reporting company the leasing desk/real page, secondly Im being told to pay a debt I am not longer liable for because it was included in my bankruptcy. This is hindering from moving in to my apartment but its not even something I owe to begin with. So the leasing desk is repeating wrong and XXXX is reporting wrong and XXXX  is showing wrong that I still owe something I dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was contacted by my bank form the XXXX number that is on my credit card/debit card, they stated they were from the Wells Fargo fruad department and I had XXXX dollars bieng taken out my account form XXXX. If I didnt fix it now tomorrow morning it would be to late to get the funds back. They asked me my last 4 of my card and I stated that i wasnt comfortable with that he said the we have the card number just verify it so he read my card number to me, He also had all my bank info so I asked to speak with a manager and hung up. I called the XXXX number waiting for a person and the call came in from the same number so I answered it and I ladie stated she was the manager and gave me her ID # XXXX. She was here to assist me so my money wasn't taken and told me to follow all the steps to retrieve my money. The problem was thru XXXX and we had to go thru a process that she was watching from her office, so I did what she asked and I was scammed! The sad part is that I thought it was real because she called from the banks XXXX same as on my card. I called the bank that night to speak with the lady again and to my surprise No such name or Id number. So I asked the other lady to cancel all transactions but she said it was to late. So I cancelled my debt card and was sent a new one also asked for a fraud specialist, the fraud n # was XXXX / XXXX I received a letter stating that Wasn't getting my money back and they will continue to ask XXXX for my XXXX dollars. So frustrated trust when they called me now I'm out the money. PS I have been with my Bank since 1992 and such a disappointment. 

Respectfully submitted 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 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/10 I sent my sister XXXX XXXX {$1000.00} for rent. XXXX conf # XXXX. On XXXX My sister said she never received the XXXX. 
XXXX I called Wells Fargo to file a claim case # XXXX fir {$1000.00}. Wells Fargo told me to call XXXX and complain to the. I asked for XXXX 's phone number and they told me to pull it off XXXX. The number on XXXX was XXXX, ( SCAM number ) so I called XXXX and they had me go onto my Wells Fargo account to pull the money back. He walked me through the XXXX program which I downloaded. He had me fill out the form and said we would be getting the money backThey sent a wire transfer to XXXX XXXX and took {$1200.00} They scammed all my checking account money. 
I went to Wells Fargo and filed a Scam/Fraud case # XXXX The wire transaction case # is XXXX I am XXXX XXXX XXXX and live on Social Security XXXX I have no money to live on they took it all. Please help me. 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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I have a Chase freedom credit card. In XX/XX/XXXX they sent me a zero-interest balance transfer check. I opted to use the check to transfer a balance from another card in order to pay it off within the allowed time frame, in this case thru XX/XX/XXXX. I agreed to the transfer fee, approximately {$400.00}. In XXXX, after the transfer occurred and posted on my Chase account, I paid {$1500.00} to Chase. My minimum payment is approximately {$300.00}. Upon receipt of my XXXX statement I realized that the zero-interest portion of my balance did not go down after I paid in excess of {$1000.00} above my minimum payment. I called Chase customer service with the intention of letting them know that I'd like anything in excess of my minimum payment to go toward the zero-interest portion of my balance. They told me that they can't do that. They ALWAYS allocate any payment sent to them to the balance with the highest interest. I explained that my goal is to pay off the zero-interest amount within the allotted time frame and they told me the only way to do that is to not have a previous balance that carries interest. NONE of that was explained on the check or within the paperwork sent when I agreed to it. 
This practice is VERY deceptive due to the fact that they falsely allow customers to utilize this option even though they have profited the fee amount, they also manipulate the offer so that they will also gain the accrued interest at the end of the zero-interest period because they do not allow that portion to be paid. 
When speaking to a " supervisor '' in the customer service section, he claimed that there is no one higher in the company that can be spoken to and that no one else can take care of this for me. I explained that I wanted to file a complaint. He said he would file it with his " leadership team '' but that I could not get a copy of the complaint and that no one would follow up on my complaint. I pressed him because him asserting that a complaint would go forward but that no one would follow up and there would be no record of it is absurd. What is the point of a complaint that in essence does not exist? When asked what the avenue for filing a complaint outside of his company was, he could not direct me. He said I'd have to find that out on my own. Does the banking industry not have a duty to provide information to it's customers on how to file a complaint on them? 
After 20+ years with this account and doing my credit card business with this company I intend to take my business elsewhere, to a bank that is forthcoming in it's practices if this issue is not resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery associates At XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
I purchased this car in XXXX. I was in a severe accident shortly after. Insurance paid majority of the balance. I attempted to settle with the company and make payments for the difference. They were not transparent in how to do this, I got different amounts from different people. It was all very shady. In XXXX, they offered me a settlement amount. Their email went to the junk folder and I was never mailed a paper version or contacted. I was under the impression everything was okay. I responded back to this email in XX/XX/XXXX when I saw it and heard nothing. They had not been reporting negative payments to the credit bureaus so I truly did not know anything was wrong. I later was informed the balance was not settled and was showing as a charge off. I contacted them to settle the debt. I settled the debt last month and they reported 20+ months of late payments. I would have paid this a lot sooner and not allowed damage to my credit if they had been reporting accurately. I have attempted to call in. The agents are INCREDIBLY rude. They interject, dont listen. Im not permitted to speak to their reporting department and advised Ill be sent a letter. Its been a horrible consumer experience and they ruined my credit when I was making true efforts to pay them. It is very unethical to not report accurate and timely data to the credit bureaus. I have provided them payment and closed the account. My only goal is to have the derogatory remarks removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dated XX/XX/XXXX. Resurgent Capital Services - Cach, LLC., XXXX XXXX XXXX. Amount : {$4300.00}. 
I sent a certified letter to them verified my signature that I did business with them to no avail they would not send me any information with my signature. 

Dated XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, Amount : {$950.00} Same as above. 
Many letters were sent last year also, XX/XX/XXXX. These cases are very old I would like it removed from my credit report just by verifying my signature, Any help would greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
Sentry Credit Inc. waited until after my employment ended to attempt a wage garnishment in violation of the FDCPA. 

1. ) Sentry Credit Inc, XXXX XXXX XXXX XXXX, WA XXXX, misrepresented themselves on the writ of garnishment as " West Coast Adjusters, ''. 

2. ) Sentry Credit Inc, Sentry Credit IncXXXX XXXX XXXX XXXX XXXX, WA XXXX, made 'threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing. ' Sentry Credit has no intention of actually garnishing wages, and intentionally served a garnishment notice two days after my separation of employment of a year and a half. 

Sentry Credit did this to embarrass, harass, and intimidate me for being XXXX and owing on a XXXX XXXX XXXX phone bill. Now the employer will likely never hire me back even if business improves.

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 2022-08-09 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX noticed me a year back of a collection account. Portfolio Recovery Acquired the collection acquired debt in XXXX in the amount of {$700.00} dollars from XXXX XXXXXXXX XXXX The debt was actually from XXXX but they are showing this collection as starting in XXXX The debt is  actually five years old not three as indicated on my credit report. Numerous attempts to get Portfolio Recovery to change the dates have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: AL

Complaint narrative:
I sent out a letter to remove XXXX XXXX Acct # XXXX for the amount of {$1200.00} from my report. I Asked them to validate the debt. Not only did they fail to provide what was being asked of them, they also violated Hippa Laws by providing medical services rendered. They didn't provide my signature attaching me to this debt, but my credit report is being affected. They are also violating my consumer rights 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 602 A section 2 : It also states a consumer agency can not furnish an account without my written consent.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( Loan XXXX ) appears on my XXXX, XXXX, and Equifax credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34.

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, XXXX, XXXX, & Equifax ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my XXXX, XXXX, and Equifax credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for XXXX XXXX XXXX XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( Loan XXXX ) appears on my XXXX, Experian, and XXXX credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34. 

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, XXXX, Experian, & XXXX ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my XXXX, Experian, and XXXX credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for 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 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I closed my mortgage about a year or so ago, and only 3 months from today ( roughly XXXX ) ago did I get notified by New Rez that I had funds in my Escrow they distributed to the state of Colorado of the amount ~ {$2300.00}. I have been trying since then, with their mortgage servicing department, to get the funds transferred back to me. They have failed to mail the check or deposit the funds via ACH after the initiation of the xfer was started, finally, around XX/XX/XXXX on 3 separate occasions. We are now on the 4th time where they retracted the statement it was going to be auto-deposited to my account, back too the mailed check has been processed. They continuously state the wait time is 7-10 business days. It has been 3 months. If I did the same to them, I'd be hearing from debt collectors. 
Instead of any productivity and transparency from either the lender or CFPB, I get to rely on this form in hopes of what, CFPB sending a strongly worded letter? This system is entirely broken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them consent.

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