vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I received a letter in the mail that my mortgage company needed proof of homeowners insurance, I looked on the mortgage company website and it showed I was covered until XX/XX/XXXX. I then shortly after got a letter saying they got the coverage proof and to disregard the previous letter. Over a month goes by and I get an email from the homeowners insurance company saying I am no longer covered due to non payment. When I called Penny Mac on XX/XX/XXXX they said they show they sent out 2 check but XXXX ( homeowners insurance company ) said that Penny Mac put a stop pay on both checks. I did a conference call between Penny Mac and XXXX and was told they never received payment so Im not covered and they wouldnt reinstate the insurance due to me being without coverage since Penny Mac didnt pay. The mortgage company opened an investigation and doesnt contact me about the status. I called again on XX/XX/XXXX for an update and was told its still being worked on but I should start shipping around for coverage anyway. I called today XX/XX/XXXX and still not update and they are saying I have coverage which is not what XXXX is saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I reviewed my XXXX statement and i notice that a finance charges of {$3.00} was posted to my account in XXXX XXXX. The previous balance has been paid in full and no finance charges should have been accessed to the account, I called the customer service line yesterday and try to resolve the issue, but the customer service agent can not explain how the finance charges were accessed except for it is a system generated. The agent keeps on changing the story when i challenged her as she can not explain how it is calculated. The current balance on this account is {$0.00}

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information 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 2024-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital LLC is impacting my credit, and attempting to collect a debt on behalf of XXXX that has already been paid several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged a XXXX XXXX  monthly service fee starting XX/XX/XXXX. In XX/XX/XXXX, XXXX months of service fee was automatically refunded without any intervention, REFUND XXXX FEE ASSESSED IN ERROR. The account in question is Wells Fargo Goal Savings. 

Wells Fargo continued to charge $ 5 monthly service fee since then, for a total of 7 months worth. I was not aware of this fee. I received no notification. My account balance has been stable ( < {$300.00} ) since XXXX. I was not charged any service fee prior to XX/XX/XXXX. There was no change to the type of saving or checking accounts. In addition, in the XX/XX/XXXX statement I received, it clearly stated that The fee is waived this fee period because the account is linked to your eligible checking account. Please attached screenshot. This is shady business practice of sneaking in service fee without any notice, I escalated this to Wells Fargo ( case number XXXX ). I was told it will take XXXX business days to review. There is no way to immediately refund the fees. 

I would like a refund of all service fees that was charged ( total of {$35.00} ) as soon as possible. Once the service fee came to my attention, I immediately transferred additional funds to the saving account in question to satisfy the fee waiver.

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 2024-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management : I am writing to formally dispute inaccurate information reported on my credit report by Credence Resource Management. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety, the collections account in question is reported by Credence Resource Management and appears on my credit report with the following details : reported on XX/XX/2024, with a balance of {$110.00}. The account status is listed as " Open, '' with a highest balance of {$110.00}, and is marked as an individual responsibility under the remarks " Placed for collection. '' The original creditor name is XXXX XXXX XXXX, and the account was opened on XX/XX/2024. I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from Credence Resource Management. According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is no record of any outstanding balance of {$110.00} from XXXX XXXX XXXX on my end. The presence of this incorrect collections account is negatively impacting my creditworthiness. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, highest balance, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XX/XX/2024 I recieved a email from Home Depot / Citi about payment for account ending in XXXX. But I known that account not belong to Me, I file complaint to WA State Attorney Office and receive a repond from Citi bank with account ending in XXXX with the same amount I own them. Citi bank said they made investigation about account ending in XXXX and they report late payment to Credit bureaus, It's again Fair Credit Rporting Act. Citi bank call Me serveral times to ask Me some informations about account ending in XXXX, but I ask them send for Me all invoices & monthly statements belong 2 account ending in XXXX & XXXX but I did'nt receive yet. 
- I want to known why they report late payment to Credit bureaus when they made investigation? Violation with FCRA or not? 
- When I receive all Invoices & monthly statements of 2 accounts by email to : 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 2024-08-01 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: SC

Complaint narrative:
I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX, nor did I provide written consent for my credit report to be accessed.

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 2024-08-01 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: TX

Complaint narrative:
My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-01 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: MO

Complaint narrative:
Please assess and investigate the accounts that are not entirely accurate. I request the prompt removal of all inaccurate entries from my credit report and blocked all the information

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 2024-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PCR Group
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT ADJUSTMENT BUR XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: CA

Complaint narrative:
This all has to deal with a XXXX XXXX that I originally filed a complaint about ( XXXX ). XXXX has since then given me access over the vehicle I leased and I can finally physically gain access to the car I leased in May. 

My issue now is with XXXX XXXX, who is handling the lease. My issue is that for whatever underlining problem there was with the XXXX, XXXX had the same problem where my info was intertwined with someone else info where I could not create an XXXX online acct. to make payments. This went on for months until they asked that I mail in a check of which I did on XX/XX/XXXX. Around XX/XX/XXXX, I was finally able to create an account where I quickly made an online payment since the check I sent was still not posted and somehow Ally ended up taking around {$1600.00} and the check amount all at once. 

After this error, I have requested a refund, of which I spoke to XXXX at their Call center ( emp. ref. XXXX ) and she said it would be 10 days. 

The huge issue is that XXXX has reported to the credit agencies that I was delinquent on payments over the time I was unable to resolve the account issue with them. I have spent hours on the phone since XXXX to resolve whatever it was that wouldn't allow me to create an account and now I have my first delinquent payments in decades because of them. 

I need them to remedy this as it was not my fault their was some error on their end that I couldn't make payments but the second I can, they collect over {$2400.00} at once.

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