vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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: MD

Complaint narrative:
This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, XXXX XXXX XXXX XXXX I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, XXXX, XXXX has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that XXXX, XXXX willfully failed to comply with 15 USC 1681s-2 ( b ). XXXX, XXXX must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, XXXX, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.

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 2022-09-01 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: MD

Complaint narrative:
This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, XXXX XXXX XXXX XXXX I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, XXXX, XXXX has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that XXXX, XXXX willfully failed to comply with 15 USC 1681s-2 ( b ). XXXX, XXXX must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, XXXX, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: MD

Complaint narrative:
This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, XXXX XXXX XXXX XXXX I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, XXXX, XXXX has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that XXXX, XXXX willfully failed to comply with 15 USC 1681s-2 ( b ). XXXX, XXXX must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, XXXX, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.

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 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: RI

Complaint narrative:
PNC Bank has been paying other taxes from my escrow account that are not my property taxes which keeps making my escrow account have a shortage which is increasing my payment. I have asked them numerous times to stop doing this. My mortgage payment should only include my principal, interest, property taxes, and homeowners insurance. They should not be paying anything else out of this account. 

I have tried to fix with PNC but they have done nothing. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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:
I am a born US citizen, I am a living human being, I have rights under 15 USC 1681! Equifax is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand these accounts be removed because : According to 15 USC 1681 : I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts or inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
According to IC system inc i own {$5.00} XXXX to XXXX cell phone company and i never have an account with 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 2022-09-01 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: FL

Complaint narrative:
Hi! It's me again XXXX XXXX XXXX, I am making a follow-up with the letter I sent you over a month ago, XX/XX/2022 to be exact. I requested for you to send me the method of verification used in determining the accuracy of my credit report and you haven't sent me anything yet. I have advised by a legal expert that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue you delaying my request. This is of great importance and I trust that you will not delay any longer.

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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received the following text WeIIs : A Failed Paymnt attempt at XXXX XXXX XXXX XXXX MN XXXX # XXXX has been made for {$27.00} on XX/XX/2022 XXXX Stop. XXXX XXXX XXXXXXXX from XXXX ( XXXX ) XXXX. I knew it was fake because I no longer bank with Wells Fargo, and made the switch several years ago when I closed the account.

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 2022-09-01 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: PA

Complaint narrative:
Reinvestigation hasnt replied in 30 day time frame. Incorrect reporting is hurting my chances to receive funds or loans

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've been trying to get Transunion to cancel a membership that was not requested. My last attempt was last month over he pnone, yet they are still mailing me letters mentioning my " Transunion XXXX XXXX '' XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check for {$1000.00} on XX/XX/2022 to regions bank. The check went through fine and was paid to them, but they did not like the way it looked. So they shuttered my account and refused to return any money to me but they keep charging fees on the account. So the money in there is good enough to pay them, but not available for me to use. I went to the local office to discuss it with the manager and was told that all they can do is submit a 'ticket ' because their fraud department has no telephones. It is now XXXX and they still refuse to return my money even though I have given them evidence that there wasn't anything wrong with the check. When I complained that I needed the money one of the employees told me I should have had a back up plan, and I shouldn't deposit checks into regions bank because that is their standard policy to close accounts without notice.

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 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought a prepaid Vanilla Go Visa loaded with {$500.00} at a local XXXX XXXX, CA, grocery store XXXX or more months back. I've tried to use it online for various purchases and invariably I get a screen telling me some version of 'Card purchase has not been allowed by the company. ' I've called them and been left on ignore XXXX minutes the first time and I hung up after XXXX minutes the 2nd time. Also have tried to find a contact email but no luck so far. There are no phone lines within XXXX miles of my home and cellular signal does not reach into the valley. The balance check done at XXXX XX/XX/2022 shows {$470.00} and the purchase was {$4.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: TX

Complaint narrative:
After reviewing my credit report I noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that They did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise your grave responsibility, they were unfair, they were partial. They never had a permissible purpose Under 1681 b number 2, I never instructed them to furnish a report and I never consented to the report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Iam not liable for this debt with Wells Fargo Bank and i do not have a contract with any Well Fargo Bank. They did not provide me with any original application stating that i have a contract with this 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 explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CO, XXXX XXXX - XXXX Collections XXXX XXXX XXXX : XXXX XXXX XXXX Collections : XXXX, XXXX Collections : XXXX XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
Hi! It's me again XXXX XXXX XXXX, I am making a follow-up with the letter I sent you over a month ago, XX/XX/2022 to be exact. I requested for you to send me the method of verification used in determining the accuracy of my credit report and you haven't sent me anything yet. I have been advised by a legal expert that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue you delaying my request. This is of great importance and I trust that you will not delay any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: TX

Complaint narrative:
After reviewing my credit report I noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX assumed this role without permission not only that They did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise your grave responsibility, they were unfair, they were partial. They never had a permissible purpose Under 1681 b number 2, I never instructed them to furnish a report and I never consented to the report in the first place.

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report I noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX assumed this role without permission not only that They did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise your grave responsibility, they were unfair, they were partial. They never had a permissible purpose Under 1681 b number 2, I never instructed them to furnish a report and I never consented to the report in the first place.

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 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: MA

Complaint narrative:
I requested a refund for student loan payments made since XX/XX/XXXX. I called Edfinancial on XX/XX/XXXX to request this. It took roughly 4 hours to speak with anyone. 

Edfinancial was able to put through my loan request but told me it would take up to 180 days. The total amount I should be receiving is around {$4700.00}. This is a full half year to receive this refund. I am eligible for loan forgiveness and without the refund being processed prior to XXXX, the money from this refund will not be forgiven. 6 months is an incredibly long time to process this and my loan balance needs to be adjusted sooner than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Marlette Funding, LLC
State: MS

Complaint narrative:
Today is XXXX XXXX and I checked my email and got an alert that a lender reported a new account. I checked through XXXX XXXX  and XXXX XXXX  and I did not open this latest account with bestegg. I think someone has used my identity to do this. My XXXX account was highjacked several weeks back and maybe that has something to do with it. I wanted to report this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: ID

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

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/22 made payment to XXXXXXXX XXXX for {$140.00} XX/XX/22 made payment to XXXX XXXX for {$140.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$140.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$280.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$280.00} All payments were made on time but XXXX reported all payments late. I requested the bank to properly report my status but it refused to work with me. I notified the better business bureau about this issue and I was overlooked, and was refused for correcting the derogatory 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 2022-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Predatory payments on 4.25 % interest rates were payments don't match amount financed. Required way over recommended down payment as well at closing for a fha home purchase

Company response to consumer: Closed with explanation