vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was sent a check via email for XXXX dollars and it was told to withdraw XXXX dollars and put them on gift cards and to send XXXX dollar through XXXX. All this happen on XX/XX/2021. I file a dispute and a complaint to all the people I can think of and now Im responsible for XXXX that I have to pay back. I contacted XXXX PNC, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
the accounts was dispute however still on credit report in error from XXXX and XXXX court case that XXXX and XXXX agreement due to rent assitance XXXX would cofirm false info Lexis nexis company providing incorrect info for money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
The Account has appeared on my credit report again after being removed off from failure to provide documented proof that the debt was mine in 30 days. I disputed back in XX/XX/XXXX and the creditor failed to comply to the Credit Bureaus request. As of XX/XX/XXXX this account has showed back on my credit profile & they are violating XXXX rights. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules ffective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any XXXX authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These were used to make inquiries to my account that I have not personally applied for remove these Immediately XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX  / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reimbursement Division XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These were used to make inquiries to my account that I have not personally applied for remove these Immediately XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXn XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A loan for a lease buyout was approved, and check was mailed to the lease holder ( XXXX ). Problem is that the check was mailed to the wrong address. Now XXXX claims they never received payment so I am essentially 2 or 3 days away from defaulting on the lease buyout. I have tried to connect with Bank of America for more than a week and either they don't pick up the phone or they do not replied to at least XXXX emails I have sent the loan XXXX : XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX and/or her XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have escalated the situation within XXXX and was told a solution should be provided within 24-48 hours but that time has already elapsed without any updates.

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 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
My paypal account was closed for no reason. They said they can't help me about it and are not able to tell me as to why, you can check the screenshot of their email, saying " there is no further detail I can provide ''. I am not sure if this is a mistake as I assume it has to be because I already gave them what they're asking to resolve the matter, I gave my National ID, my transactions but they still limit my account. They will freeze all my assets up to 180 days. I am so frustrated because all of that money is from my own pocket. I remember I could file a complaint here as I feel they are not doing their job properly and I have used paypal so many times and some transactions didn't end up limiting my account, I don't know what basis they have for doing this. What happened to me affects me and also my family here in the XXXX and as we are about to spend my funds for XXXX but now I can't even spend a single cent. I shouldn't beg anyone to give my own money back because I have all the right from it. My email linked to my paypal is this - XXXX. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am trying to refinance my loan with XXXX XXXX in XXXX. I was given a 5 % rate. When I speak to Exeter Finance about transferring the title from a XXXX XXXX to a XXXX XXXX they tell me to call the DMV and fill out a state transfer form. XXXX does not have any such thing, nor does XXXX They need the lender to assist with requesting from XXXX  a XXXX title. The car is registered in XXXX. It was purchased in XXXX. I am trying to refinance with a local credit union. I am paying 18 % with Exeter. Exeter needs to request from XXXX a new title, and the car has to be titled in XXXX to get a payoff of {$18000.00}. I have 60 days and counting to do this or I loose my refinance on my XXXX  XXXX. I am asking Exeter to request from XXXX a new title, I have tried with Exeter for a week, no one seems to comprehend this basic task. I have spoken to the XXXX DMV. Without the title, this can not be done, the refinance I need to lessen my payments. I can not do this alone without the lenders approval in writing, and the {$74.00} paid by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XXXX I messaged my bank requesting that Navy Federal Credit Union place a bankers notation in my account file saying " ALL FUNDS BEING DEPOSITED, TRANSFERRED WITHIN, OR TRANSFERRED OUT OF MY ACCOUNT IS TO BE " DENOMINATED AS LAWFUL MONEY '' PURSANT TO 12 U.S.C 411 '' after talking through message I was denied that right. 
On XXXX I called XXXX and talked with XXXX Services and XXXX  to get the statement placed on the account. After being denied. I asked why and where legally do they have the right to deny my request. I wasn't given a legal explanation as to why my request was denied. There is a difference between lawful money vs. XXXX XXXX in which most bankers are incompetent and void of overstating of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: MN

Complaint narrative:
These are the following hard inquiries that I am requesting to be removed immediately, or proof providing these belong to me. 
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( XXXX XX/XX/2021 ) - ( XXXX XXXX XX/XX/2021 ) - ( XXXX XX/XX/2021 ) - ( XXXX XXXX XXXX XX/XX/2021 ) - ( XXXX XXXX XXXX XXXX XXXX, 2021 )

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 2021-12-22 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:
I have viewed my credit report and noticed inquiries that I did not do. I have written to each bureau numerous times and they have not removed these unauthorized inquiries.

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 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: KY

Complaint narrative:
Received a letter from U.S. Bank cardmember services in XX/XX/XXXX stating that my visa platinum credit card interest rate would be increasing XX/XX/XXXX, the rate will be increased from 13.99 % to 18.99 %. called cardmember service on XX/XX/XXXX to find out why, they stated current account pricing and credit bureau information is what they used to determine the increase. Have a service from another credit card company that monitors my credit and there is no derogatory reports. My history with us bank has no derogatory history, my balance with u s bank credit card is well under my credit limit the monitor service i use is same credit bureau as they used to come to the decision Later the same day talked to representative at u s bank who agreed that i should file a complaint because it wasn't fair that they raised the rate, but she said there was nothing she could do to help me with my concern. I have 4 other credit cards thru other institutions that hav n't changed. I have had this credit card for 20+years with no problems. U.S. Bank 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 2021-12-22 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: FL

Complaint narrative:
My car was XXXX in an accident.The insurance company was in communication with XXXX XXXX. There was a administration lapse of communication between XXXX XXXX and XXXX on releasing the check.The accident happened in Florida. Causing XXXX delays in the inspection. Finally I communicated with the bank on XX/XX/XXXX XXXX. It took XXXX XXXX another 18 days to get payoff get the administrative delays resolve. They cashed the check 3 days late. I was advised not yo make the payment because it would change the payoff. Ive called Explaining the mistake even the XXXX representative or the adjuster Is willing to talk to them they will not comply. I have never missed a payment or ever been late on anything in my life. To have my car XXXX and then for them to add this late payment when its ultimately the insurance company and they are dealings its not fair. Thank you for your 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 non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was charged an overdraft fee on the date of XX/XX/21 however i was not notified of the overdraft that apparently happened at night on the date of XX/XX/21. I called the bank and told them about the situation and i even put in funds the day i got the notification to avoid overdraft and i was told i can only get half credit despite only having one overdraft refunded this year 6 months ago. I have been banking with wells fargo for almost 6 years now and i i find this customer service completely disgusting being a veteran as well. If i was notified promptly instead the day after the fact i would have deposited funds prior too.

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 2021-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Have had my Nordstrom card for over 2 years. Only one late payment. They decreased my limit due to random credit pull

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: SC

Complaint narrative:
Transunion, XXXX and XXXX are all reporting unauthorized collection accounts on my consumer report which is hindering me from purchasing my first home for me and my children. I never gave any of these credit reporting agencies oral or written consent to report any of these collection accounts on my consumer report. I don't think its fair to me that they can just report whatever they want on my behalf without getting my permission.

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 2021-12-22 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: SC

Complaint narrative:
I have disputed unauthorized inquiries that appear on my credit report. Unfortunately, TransUnion has not removed. TransUnion has not provided any proof that I initiated these inquiries or that an investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX XXXX Inquiry Date XXXX XX/XX/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 2021-12-22 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: PA

Complaint narrative:
I am a victim of identity theft that creditors are reporting on my credit report after numerous of times trying to fix the false debt on my credit report from XX/XX/XXXX to XX/XX/XXXX i have called and spoke to fraudulent departments i have disputed information i have sent letters i have contacted original companies also.i filed police reports multiple times and summited information. I filed complaints through CFPB over the years also for help and followed the guidelines for identity theft for recovery non has been granted.

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 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: PA

Complaint narrative:
Currently because of covid I am on a forbearance plan which expires at the end of XX/XX/XXXX. My mortgage was sold by XXXX XXXX to Selene Financial. At the beginning of XXXX I received a letter from Selene stating that my mortgage was in default because I was six months in arrears. I immediately called them and the woman I spoke to told me that the terms I had in XXXX XXXX would be honoured. A couple of weeks later I got another letter from Selene telling me that unless I paid them {$14000.00} my home would be foreclosed on. Again, I immediately called them and told them I had spoken to someone before and the situation was resolved. He told me there was no record of the call. I do have a record of the call. The man told me that I needed to fill out a form which he would send me and the {$14000.00} would be added to the end of the mortgage term. Instead I received a letter from Selene which told me they were pursuing foreclosure. Then today I got certified letters from them stating that unless I pay the {$14000.00} by XX/XX/XXXX which represent the amount I'm in default for, my home would be foreclosed on. I can not understand how when Congress passes a law allowing homeowners who are affected by covid to have their mortgages go into forbearance, that companies can ignore it and try to foreclose on properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: VA

Complaint narrative:
On XX/XX/ 2021 I mailed a response letter to an investigation email I received from Experian. Im filing this complaint due to Experians failure to respond to my re-investigation request, as required by law, regarding the following account. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate, misleading and false reporting and Im seeking litigation please delete at once. Under the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after Experians investigation was completed. It has been over 30 days since my letter was mailed and they had 15 days to complete their re-investigation. By law, I should've received their response letter no later than XXXX XXXX, 2021. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 

My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give Experian permission to report this account. In my dispute I requested the account accurately state that my payments were paid satisfactorily with no derogatory remarks or be deleted. Neither was done. 

At this point, I am demanding Experian to cease & desist from reporting this account. I demand it to be immediately removed from my report. If they refuse to remove the account or update to accurately state the account was paid satisfactorily with no derogatory remarks, I demand Experian provide me with written documentation swearing under penalty and perjury laws they were there when the debt was established. I demand they also swear under oath that I signed for the account and I signed documentation agreeing to add Experian to the account to be able to report on it. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.

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