vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Mortgage has refused to remove escrow from my loan. I have owned and occupied my property since XXXX and have been making my property tax payments on my own ever since. I have receipts of these property tax payments that I have made. I currently have a credit on my property taxes according to Office of Tax and Revenue for {$300.00} and I noticed my monthly mortgage payments increased about {$250.00}. When I called PNC about 4-5 months ago to inquire about escrow account and have it removed, I was reassured by several representatives that the escrow account would be removed and I would be able to continue making property tax payments on my own. The last call I made to PNC was XX/XX/XXXX and the rep. stated the removal of my escrow account was denied. The rep. stated letters were sent out XX/XX/XXXX to request proof of property tax payments. I asked the rep. if these letters were certified and she stated the letters came through regular mail, I did not recieve these letters. I have proof of payments and I would have provided these receipts had I known they were being requested. What I am trying to achieve now, is for my escrow to be removed so I can continue making property tax payments on my own and have my monthly payment go back down to its original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: MI

Complaint narrative:
( XXXX. XXXX ) This company is a debt collector that recently added a collection account to my credit profile which I have no knowledge of. I have never did business with this company nor gave them consent to share/obtain my social or personal information. I have a right to privacy This account is under litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: MI

Complaint narrative:
( XXXX. XXXX ) This company is a debt collector that recently added a collection account to my credit profile which I have no knowledge of. I have never did business with this company nor gave them consent to share/obtain my social or personal information. I have a right to privacy This account is under litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instruction. 

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-06 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: OH

Complaint narrative:
Permanently Delete all inquiries that are not linked to an open account due to the fact that they are fraudulent inquiries not done or recognized by my person or did I provide my consent. All inquiries have been permanently deleted from XXXX and should be removed from XXXX and Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TN

Complaint narrative:
Fraudulent accounts have been reported to my credit file that I have No knowledge of nor have I received any goods or services from these fraudulent accounts and Inquiries. 

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 2023-06-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Fraudulent accounts have been reported to my credit file that I have No knowledge of nor have I received any goods or services from these fraudulent accounts and Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX I saw my credit report had a debt for a person with the name of XXXX XXXX on it I called the collections agency XXXX and told them so they can remove it they have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
After analyzing my credit record, I discovered a slew of incorrect names, aliases, and residences that did not belong to me. I want to make sure that you are only reporting and retaining correct and genuine information on my credit report in accordance with FCRA standards. Please update any erroneous names, aliases, or addresses in my report. The following is my correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama 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 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
XXXX calls 2 to 5 times day both myself and my wife, and uses false pretenses for call, tries to hide intent by using false caller id tags such as XXXX. The debt is a medical bill from XXXX XXXX XXXX that was sent more than 15 months after procedure and was only contacted by medical service once. Service was received XX/XX/2021 and paid XXXX at time of Service was then billed XXXX on XXXX despite being told we would owe nothing more out of pocket

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/ received a credit card Block Inc ( Cash App ) and did not apply or request it. There was no information in the sealed envelope, just a QR code to activate the card. No phone number. Only address was on outside of envelope : Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This is my second notice. I sent letters to XXXX, XXXX and TransUnion with no resolve yet. I asked for my name to be corrected within there system and I sent along a copy of my State ID with the correct spelling of my name. Anything else with my name misspelled should have been deleted along with the charge off accounts. This is effecting my credit and this should have been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
XX/XX/2023 I made a payment to my credit card account at PNC in the amount of {$220.00}. My available balance was then {$3000.00} after the transaction. Pending transactions + {$1200.00} roughly with the previous balances ranging from a {$4200.00} balance. On XX/XX/2023, I check my account and the balance was {$2600.00} in the available balance. As if I made the transaction twice. I believe they are switching their small amounts with their large amounts, and charging the large amounts last to effectively creating a larger increase ledger in the malpractice of availability on the ledger manipulating of pending transactions on the mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
This is my 2nd time filing a customer service issue related to Chase in the past month, I stated in the last one which is still technically open that this is unacceptable that Chase is treating me this way. 

Today I called in at XXXX XXXX EST to open a dispute about a past purchase and I was greeted with nothing but hostility, unprofessionalism, and your representatives giving me the silent treatment and unwillingness to help. The first rep was immediately combative to me and refused to help. When I asked for a supervisor transfer the rep had to make sure that she got the last word in which is EXTREMELY unprofessional! Then the 2nd rep in the end gave me the silent treatment like a disrespectful human. All I called in asking was to open a dispute against XXXX for a XXXX purchase for {$1100.00} as I'm well within their warranty period and they refuse to help me. Before she gave me the silent treatment she stated I should use the purchase protection which I opted to say that I had issues with given how unorganized they were with my last claim and I had to get Chase to intervene. 

I don't want the garbage product from XXXX and they're refusing to talk to me, my only recourse is through Chase for consumer protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a credit card with Chase Bank, and I called and asked for a payoff amount and paid off the balance immediately on the phone with the rep and requested that the account be closed. Rep confirmed to me that the payment went through, and the account is closed. A month later, i get a statement for amount due. Called the bank and they indicated that it was interest that was due on the last statement. Apparently the payoff balance did not include accrued interest thru the date of payoff. I should not be held responsible for them quoting me an incorrect payoff. I consider the payment to be full and final settlement of my balance. Any system inadequacies on the Bank 's part in arriving at a payoff quote should be their error and their problem.

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

Complaint narrative:
I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts, nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and it's been over 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: CA

Complaint narrative:
There are hard inquiries showing on my credit report that I did not give the company approval to pull my credit report for, and its greatly effecting my crefit rating. I had or have no knowledge of these hard inquiries, this is not of my doings and I want these hard inquiries removed from my credit report. I tried to do an online dispute for these hard inquiries with XXXX, but it directed me to call them instead and I did on Monday, XX/XX/2023. XXXX started the dispute process and I received an email advising that the next step is to file a fraud identity report with an agency such as yours. I did not request, or give permission for these companies to pull my credit report, and I have no idea who did this, I feel that someone else is trying or have tried to get credit in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: AZ

Complaint narrative:
On XX/XX/2023 The Credit Bureaus stated Accounts, XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were properly investigated but how is that possible if the open date is innaccurate, the date last active is inaccurate including last reported date is not accurate. I have verified the reports on these accounts and everything highlighted is not matching each credit bureaus. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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