vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I satisfactorily completed my XXXX lease at the XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX 
1. On XX/XX/2022 I requested cancellation of my Residential utility services Georgia XXXX and notified XXXX XXXX who also manages the XXXX XXXX utility billings. 
2. On XX/XX/2022 I received the Final Move Out statement from XXXX XXXX, XXXX at XXXX XXXX Property XXXX. 
3. I personally questioned XXXX XXXX in the office regarding the additional {$270.00} payment due. XXXX statement was all Utilities are prorated and this is my final bill. 
4. XXXX stated that the final bill due was due of {$270.00} but only payable at the XXXX at XXXX XXXX XXXX. 
5. XXXX XXXX provided me copies of my Final Ledger which shows I owed the {$270.00} as of XX/XX/2022. In driving back to GA to speak directly with XXXX XXXX regarding the ledger, I clearly showed that I was being charged an additional {$130.00} for services now totaling ( {$410.00} ) when clearly, I was now longer under any contractual agreement with XXXX at XXXX XXXX from XX/XX/2022, and I do not owe for future nonuse of the apartment or residential services Im being charged for by XXXX XXXX that are listed on the ledger. 
6. XXXX XXXX agreed I didn't owe the additional {$130.00}. I had believed he corrected the error as we reviewed the ledger on his computer. 
7. XXXX XXXX stated I should wait for the final bill to be sent from XXXX as XXXX would collect the final payment. 
8. I moved back to Florida and never received the final bill from XXXX via email nor physical mail per my mail forward request. 
9. I reached out to XXXX XXXX for an update with no contact. I reached out to XXXX and was told the final bill payment for {$270.00} was to be paid directly to the XXXX XXXX XXXX XXXX. 
9. Payment was sent to the XXXX at XXXX XXXX XXXX via certified Mail in the amount of {$270.00} as final payments owed to XXXX at XXXX XXXX. 
10. I do not owe any debt to the XXXX XXXX XXXX, nor do I owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX who has placed this fraudulent amount for {$410.00} as a collection account on my credit reports to attempt to collect on a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: MN

Complaint narrative:
In XX/XX/2022, I was attempting to get a 12 month promotional offer. 
There were 3 choices 1. 3 % for 12 months rate 2. 4 % for 18 months rate 3. 3 % standard rate I choice # 1 or 3 % with a transfer fee of {$450.00}, which is about $ 168 monthly payments However, US Bank changed my promotional offer to the worst, which was # 3 and charged me 3 times ... {$450.00}, {$75.00} and {$280.00} My credit score was dropped XXXX points to XXXX I called US Bank on XX/XX/2022 and was told a supervisor would me in 24 hours to explain the problem. Never happened Even if I agreed to # 3, why was my credit score dropped so much? Other credit cards show a score in the 700s

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 2022-11-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-25 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: KY

Complaint narrative:
account. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: KY

Complaint narrative:
account. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

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 2022-11-25 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: KY

Complaint narrative:
account. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX has violated my ri

ghts. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

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 2022-11-25 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: CA

Complaint narrative:
I have reached out to Transunion over 20 times through the last 30 days between phone calls, letters, and e-mails to your executives which have all gone unanswered. 

To date Transunion has triggered an unsolicited fraud alert and unilaterally decided to send that information to the other 2 major credit reporting agencies. 

Since the fraud alert, I have called in to confirm that I had given no consent for any changes to be made to my account and had been assured on each occasion that the fraud alerts have been lifted. 

I can confirm that Transunion still has my credit frozen. So I repeat, I demand that ALL reports through Transunion under my name are to be unfrozen immediately as I never requested or gave any consent for a credit freeze to be implemented or communicated to another report as that constitutes as non-public 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 2022-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am a victim of fraud from the get-go from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX and Santander Consumer USA on XX/XX/XXXX XXXX For that reason, I was misled and made an uninformed decision. First, during the extension of my credit transaction, the dealer told me that Santander Consumer USA requires a deposit of {$1600.00} before approving the extension of my credit. Now when it comes to my finance charge, I was not disclosed that the finance charge was the sum of all charges including the insurance. When I asked them if insurance is included they told me no that insurance should never be included in the finance charge and that I have to go get insurance myself. Upon my investigation, I figured out they have lied. Also during the transaction, I was never made aware of my right to privacy after a credit consumer transaction nor my right of rescission. Their intention from the get-go was to take advantage of me. My ''supposed '' contract with Santander consumer usa XXXX XX/XX/XXXX was never signed unless they forge my signature on my back. I have attached a copy of the supposed contract given to me on XX/XX/XXXX. To add salt to injury, Santander consumer usa has the audacity to steal my car on XX/XX/XXXX. For that reason, I am not able to work so I can pay my rent. I have a XXXX wife and XXXX XXXX  old son. Because of their action, I am at risk to become homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: CA

Complaint narrative:
I have reached out to Experian over 20 times through the last 30 days between phone calls, letters, and e-mails to your executives which have all gone unanswered.

To date Experian has triggered an unsolicited fraud alert and unilaterally decided to send that information to the other 2 major credit reporting agencies. 

Since the fraud alert, I have called in to confirm that I had given no consent for any changes to be made to my account and had been assured on each occasion that the fraud alerts have been lifted. 

I can confirm that Experian still has my credit frozen. So I repeat, I demand that ALL reports through Experian under my name are to be unfrozen immediately as I never requested or gave any consent for a credit freeze to be implemented or communicated to another report as that constitutes as non-public 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 non-monetary relief
Consumer complaint received 2022-11-25 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-11-25 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:
I'm in the market to purhase a new home so I pulled a copy of my credit report and to my surprise found some errors. The errors are hurting my chance of buying a house for myself and my family any time soon. I found on XXXX  that I can request these item to be verified and receive a response within 30 days. Please help me out.

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 2022-11-25 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:
I'm in the market to purhase a new home so I pulled a copy of my credit report and to my surprise found some errors. The errors are hurting my chance of buying a house for myself and my family any time soon. I found on XXXX  that I can request these item to be verified and receive a response within 30 days. Please help me out.

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 2022-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
My loan was transferred from XXXX to Roundpoint Mortgage Servicing. They took the initial payment after transfer ( have my bank statements to prove it ) and now they are trying to charge me double the next month, slap me with a late fee, and likely ding my credit. I can not get anyone on the phone or an email response back. Instead it just pushes me to make the double payment on their automated phone system. I even called last month in advance to confirm the transfer was successful and a rep assured me it was fine and went through. This is absolutely absurd and I need this resolved ASAP.

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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Have filed several FTC reports with Identity Theft. Gov regarding the account with XXXX XXXX XXXX Act # XXXX It needs to be removed from my Equifax consumer report immediately as it is removed from the other 2 reporting agencies and it needs to be removed according to 15 USC 1681 ( i ) regarding Identity theft I sent the documents and they where confirmed receipt on XXXX I have it attached and Equifax as passed the expiration date of 4 Calendar days and that is a violation. 

In addition I sent them information regarding the student loan Navient that according to FCRA law 623 ( a ) ( B ) should be correct as I was in deferrment and made a payment so there is no way that I would be 90 days late. 

I want XXXX to be deleted off of my consumer report immediately as well because it has not corrected itself and its just been violation after violation and the only means to get the matter rectified is legally but regarding the consumer report they are in violation of reporting accurate information and therefore EQUIFAX must correct the inaccuaracy buy removing the 90day late payment remark. 

This has caused me to loose millions and caused me to not be able to obtain credit and I am seeking litigation starting with the violations and some damages starting at XXXX and its increasing more and more as I have lost employment and business opprotunties and housing do to equifax negligence in accuracy reporting and investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
i applied for an American Express Card on the American Express website on XX/XX/2022 XXXX XXXX XXXX AMERICAN EXPRESS CARD and XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Ref : XXXX. American Express refused to process both applications and did not approve or deny either application. Amex also did not send me the required notices by U.S. mail. 

I also do not believe that Amex is properly adhering to the Equal Credit Opportunity Act. 

I am confident that if i applied again for an Amex card, my application would not be processed. 

The actions of American Express damaged my credit by generating 2 hard credit inquiries, despite there being zero chance that my application would be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I contacted Pennymac bank in XXXX of XXXX to inform them that I had recieved a property tax exemption for XXXX, XXXX XXXX due to my XXXX XXXX disabled veteran status and requested next steps to get my mortgage Payment adjusted to account for the exemption The gentlemen took my information and information for the county and said give it a couple weeks, Pennymac will send a letter. 

Approximately middle XXXX I followed up, this time I sent a copy of my exemption letter via Pennymac message portal. Again I believe I got a reply " thank you for updating us, allow us some time and we'll get back to you. 

In XXXX or early XXXX timeframe I contacted Pennymac customer service to ask about status. I was told over the phone that the adjustment would be made once they got a bill from the county. 

With that bit of information, I called XXXX XXXX to verify that my tax exempt status was in force and asked when tax bills are sent out. XXXX XXXX explained that bills are sent out in XXXX and XXXX. Therefore, Pennymac should have recieved a XXXX XXXX reflecting that status and been able to make the adjustment. 

I asked the county for a letter explaining my exemption status, how much I had been taxed, and how much my future taxes would be ( XXXX given the exemption ). Once I recieved the letter, I forwarded it and the original tax exempt letter again to Pennymac in XXXX, along with an email explaining all the steps I have tried to take since then. It was at this point I realized I need to start saving every piece of correspondance -- correspondance attached ( it will be the XXXX time I am sending the original exemption letter. ) Since sending that letter, I have recieved a reply saying it was elevated to their tax department but still both my XXXX and XXXX statements reflect the unadjusted amount and I have received no other correspondence explaining why they can not make the adjustment or when they will be able to adjust for my Veteran Exempt status. 

In short, it has been XXXX months since I first notified Pennymac of my status and request to adjust. Outside of standard form replies I have received no explanation of why they are unable to make the adjustment or what else ( if the XXXX letters are insufficient ) they need to fix this

Company response to consumer: Closed with non-monetary relief