vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am working with a mortgage lender to apply for a new mortgage loan. When the lender pulled my credit score from Transunion, they disseminated this action and information to dozens if not hundreds of predatory third parties. I was already on the opt out list, and there is no way to reaffirm this opt out when the credit is pulled. The next business day I received 47 unsolicited sales calls during business hours while at work. Several of these individuals became hostile when i told them I was not interested and asked them not to call back. 

47 calls over 7 hours is nothing short of harassment and i have no idea how its not illegal. Pulling my credit is a necessary, unavoidable step in the mortgage process. To have my credit score held hostage by a defacto agreement to phone harassment is criminal. 

Further, the majority of these callers were not actual lenders but third parties who would then shop my information and subject me to more calls. They are not beneficial services as transunion claims, but predatory companies calling from spoofed numbers who rely on consumers being confused and overwhelmed.

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 2022-05-19 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: IL

Complaint narrative:
I did not authorize these companies to pull my credit, these inquiries are fraudulent and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I refinanced my VA Loan which I had with Amerisave Mortgage corporation for my property at XXXX XXXX XXXX XXXX, XXXX FL XXXX. I refinanced this loan for two reasons 1 ) change to a conventional loan, and 2 ) needed the escrow to fix the roof in my property.

The closing date of the new refinance was on XX/XX/2022. The escrow amount in that loan Loan # : XXXX was {$9000.00} which was agreed in the closing documents to be send to me via wire transfer to my bank account. 

I did not receive the funds so I proceeded to call Amerisave, on the week of XX/XX/2022 to find out why the money had not been transferred. Amerisave mentioned that the reason it was not transferred was because it was issued on a check with the wrong address of XXXX XXXX XXXX, XXXX, XXXX, but that I should receive the money as the check had been issued in XXXX XX/XX/2022. I was not given a specific time. 

Upon not receiving the check I called back to inquire on XXXX occasions XXXX XXXX and XXXX XXXX. I was instructed to wait for 30 days before they could reissue the check with the correct address. I asked to wire my funds at my own expense and the company denied. 

On XXXX XXXX I called to inquire again. I was told that they are reissuing the check and I should receive in 30 days time. The reason they cancelled the original check was because I had moved addresses and they had placed a stop on the check. 

Today XXXX XXXX I called back, asking about the check and was told that the order to issue was issued on the XXXX of XXXX but the check could take more than 60 days to arrive. I was also told there is nothing I can do on the matter. I spoke with the supervisor and they instructed me that I could not place any complaints as they are not a lending agency but rather a Mortgage service company and I should address this issues with the VA as this was a VA loan. Again I offered to pay for the cost of a Wire transfer and was denied. 

My formal complaint is that its has been as of today XXXX XXXX a total of 91 days since I closed on my house, and the explanation given was that I would have to wait an additional 60 days before getting the escrow funds I have already paid ; this would be a total of 151 days since today to receive my funds. Additionally, during the closing of the deal it was agreed that all funds will be transferred via XXXX not check. Finally, despite the fact that I have called consecutively there is no response except wait by the company and there is a misrepresentation by management and staff that I can not complain to any government agency. 

Additionally, why was the check issued to XXXX XXXX XXXX, XXXX, MA, XXXX when every single document of the refinance was stipulated as XXXX XXXX XXXX XXXX, XXXX, XXXX, FL XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-19 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: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
DURING COVID MY XXXX XXXX BUSINESS TOOK A SLIGHT HIT. SO I APPLIED FOR A PPP LOAN THRU BBVA BANK. ALL WENT SMOOTH AND APPROVED AND FUNDED. THAT BEING SAID BBVA BANK GOT BOUGHT OUT BY PNC BANK DURING THAT TIME FRAME. WHILE HAVING MY PPP LOAN AT BBVA BANK THE LOAN OFFICER TOOK MY FORGIVENESS LOAN APP AND SAID NO WORRIES ALL TAKEN CARED. NOW WITH PNC BANK TOOK OWNERSHIP NOW THEY ARE TRYING TO COLLECT THE PPP LOAN THAT WAS FORGIVING WHEN IT WAS BBVA BANK. PNC BANK IS SAYING THE LOAN OFFICER IS NO LONGER HERE WHO TOOK THE LOAN FORGIVENESS AND SUPPOSEDLY HE DROP THE BALL AND NEVER SUBMITTED THE PAPERWORK. HOW IS THAT MY FAULT? 

I HAVE ATTACHED ALL THE DOCS I HAVE GOTTEN FROM BBVA AND PNC BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
I have sent out letters every month since XXXX XXXXr about the same accounts that are listed on my credit report that shouldn't be listed. I have sent them all certified mail. All credit bureaus have ignored my request to simply investigate the accounts they have listed on my credit report inaccurately.

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 2022-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
THIS COMPANY IS ASSISTING IN FRAUD. sent company documents attached as a response The Company did send me a itemized letter that was not a VALID PROOF OF DEBT OF VALIDATION and VERIFICATION... .I was SENT A BILL WHICH IS NOT LAWFUL TO THE FCRA. THE COMPANY COMPLETELY LIED WITH FASLE STATEMENT OF MY ADDRESS NOT BEING DELIEVERABLE BECAUSE I HAVE A LETTER FROM COMPANY on XX/XX/2022 of a BILL NOT Wet ink Signature Proofing debt and I recieved a BILL that violates my HIPPA RIGHTS. I WANT REMOVED IMMEDIATELY OR LEGAL ACTIONS WILL BE TAKEN. CURRENTLY BECAUSE YOUR COMPANY CONTINUE TO REPORT FALSE DEBT WITHOUT PROOFING AUTHORIZATION OF DEBT ALONG WITH VIOLATING OF MY HIPPA PRIVACY RIGHTS, YOUR COMPANY IS CURRENTLY ASSISTING AND ABIDDING IN FRAUDULENT ACTIVITES AGAINST MY CHARACTER/ AND MY CREDIT REPORT AFTER PROOFING AND SENDING DOCS ATTACHED STATED VICTIM OF IDENTITY FRAUD WITH POLICE REPORT STILL COMPANY TRIES TO PROVE LAWFUL TO OBTAIN FALSE FRAUDULENT DEBT EVEN WHEN VIOLATING MY HIPPA RIGHTS AND NO PROOF OF WET SIGNATURE JUST BILL THAT ANYONE CAN DO FRAUD IN MY NAME TO GET.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TN

Complaint narrative:
Experian is reporting inaccurate information stating that my XXXX accounts are 90 days past due and the accounts are closed. I have disputed this information with them and they still will not correct it. How can an account be 90 days past due when it's closed?

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 2022-05-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX il XXXX SSN : XXXX Experian Date XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information is in error : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXXXXXX XXXX XXXX  XXXX, WA XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, 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 2022-05-19 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:
Having child support on my credit is a violation of FCRA and XXXX and XXXX have both removed it from my credit. Equifax has refused to remove it from my credit report and I have filed a lawsuit against them and I will continue to proceed if it isn't removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: PA

Complaint narrative:
On XX/XX/22 I called Nationwide Recovery Systems to attempt to dispute a debt not owed. The employee told me there was absolutely no option for me to dispute the debt for {$1900.00}. I logged onto the collection agency 's website using my personal social security number and the debt was listed under a paid account and showing a balance of {$0.00}. I have photo evidence of this. The company failed to ever take this off my credit report. I spoke with the XXXX XXXX XXXX who " promised '' this would be resolved and that they would not try to attempt to change the paid account. I logged onto my account this morning and they completely went against their statements and change the PAID account to an CURRENT account as if it was never paid! I immediately then took photos of this change to prove that they illegally changed a paid account to current. This has placed a huge burden on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX and Transunion are reporting negative accounts on my consumer report that is ruining my reputation. In accordance with the bible a good name is above all and they are ruining other companies good faith and trust in me. In orer to provide for the common adefens promote establish justice and insure domestic tranquility and secure the liverty and posterity I demand the account of XXXX XXXX SC that is being reported by Transunion and XXXX be removed immediately. This account was opened in XXXX XXXX  2020 account number is XXXX and states a balance of XXXX is owed which is fraudulent.

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 2022-05-19 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 have previously disputed this item with Experian regarding XXXX XXXX XXXX XXXXXXXX XXXX # XXXX and in response they verified the item as accurate, stating that they have verified the information with the court. I contacted the court myself previously and their response is enclosed. It is clear they do not report to EXPERIAN or to any credit bureau for that matter ; therefore their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted 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 2022-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
Hello, so I fell under a financial hardship in XX/XX/XXXX due to Covid. I called my mortgage lender Citizens Bank. I was offered a forbearance the end of XX/XX/XXXX, I applied for the Stand Alone Partial Claim in XXXX of XXXX. I have called my mortgage company weekly since I started the forbearance on XXXX. I am currently 4 months behind on my mortgage but I have been making my payments regularly since XXXX of XXXX. I call my mortgage lender weekly and they refuse to give me any information or tell me where I stand with my Stand Alone Partial Claim. Citizens is continuing my forbearance yet cant tell me what is going on with my account. I call weekly and no one can help me. Every single person gives me different information. This in my opinion is extremely unprofessional for such a large mortgage lender. I cant imagine how many other customers are struggling in the same situation I am. I have never had a company refuse to give me information regarding my own loan. They say they will have some one return my call and yet I never receive a call back. When ever I do speak with someone it is a call center out of country and the agents barely speak English. Its beyond sad that a company can lie and give so much misinformation. Please help me get this figured out. I dont know where to turn for help. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This has been paid in full

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 2022-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, I was notified via text ( time XXXX XXXX  pt ) by the fraud department that a purchase ( XXXX ) of XXXX was made on my account. in which my reply ( XXXX XXXX  pt ) no, at that time a received a reply back at ( XXXX XXXX  Pt ) that time had expired. I then login my mobile app to see and I notice that my savings account had been breached ( XXXX ) and was moved from my saving to my checking account ( XX/XX/XXXX, someday ) where I noticed an unauthorized purchase was made ( XXXX ) I then went to the bank after leaving an appointment ( have proof ) I arrived at the bank when I was told that to call the # on the back of my card, I spoke with the representative told her that my account has been breached and that there was unauthorized movement on my account and purchased. The funds were refunded back into the account a week later the funds were removed from my account again a notified the bank again and then they notified me that a document was signed. That they can't do anything do to that ( unauthorized documentation. I reinsure that this documentation was not authorized by me. ( with evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
Franklin collections is trying to collect a debt for XXXX which is not my account. It is fraudulent account! 
It appeared on my credit report as a collections I have disputed it through the creditor but have heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
I have sent out letters every month since last year about the same accounts that are listed on my credit report that shouldn't be listed. I have sent them all certified mail. All credit bureaus have ignored my request to simply investigate the accounts they have listed on my credit report inaccurately.

Company response to consumer: Closed with explanation