vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I have made an attempt to reach out to the debt collector, in XX/XX/2022, to resolve this manner for {$1400.00}. The contact number that is listed, there is never anyone available to reach. I do not feel comfortable leaving a voicemail with my name and contact information due to the circumstances. I spoke with a representative at XXXX to gather more information that was listed by the debt collector because I was sure that I had no dealings with " XXXX XXXX XXXX, XXXX ''. I have also reached out to the original creditor, in XXXX XXXX, and they stated that there was a {$0.00} balance and no outstanding balance with them. The original creditor stated that everything was already paid for by my insurance, in both XX/XX/2022 and XX/XX/2022. On XX/XX/2022, I was provided the number to XXXX XXXX XXXX, XXXX patient services for billing and spoke with ( XXXX XXXX who also stated that there was no balance for services with them. She also stated that she was able to see all dates of services and the balance ( s ) were {$0.00}, all paid by insurance. Also, she ( XXXX XXXX stated that if anything was sent out with collections she would have been able to see that on her end and there was nothing in collections. This account is deemed to be fraudulent and I am requesting for further actions to take place so that proper removal may be rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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, the following companies have violated my rights : XXXX XXXX XXXX ; Account # xxxxxxxxxxxx XXXX for {$580.00} XXXX XXXX XXXX ; Account # xxxxx XXXX for {$7200.00} XXXX XXXX XXXX for {$850.00} 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 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 non-monetary relief
Consumer complaint received 2022-06-09 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, the following companies have violated my rights : XXXX XXXX XXXX ; Account # xxxxxxxxxxxx XXXX for {$580.00} XXXX XXXX XXXX ; Account # xxxxx XXXX for {$7200.00} XXXX XXXX XXXX for {$850.00} 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: IL

Complaint narrative:
I have been disputing negative elements of my credit for a long time and I have not received a response from the credit bureau. For example, I have an account in " Repossessions '' status with XXXX XXXX and it is not correct, I am up to date with this 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 non-monetary relief
Consumer complaint received 2022-06-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing negative elements of my credit for a long time and I have not received a response from the credit bureau. For example, I have an account in " Repossessions '' status with XXXX XXXX and it is not correct, I am up to date with this 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 non-monetary relief
Consumer complaint received 2022-06-09 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: IL

Complaint narrative:
Please be advised that I have received a computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me via mail twice that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. Therefore, your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. I am annoyed and outraged at your accusation and I have researched my rights regarding my credit file, and I will be seeking compensation.

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 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I had automatic payments to Penny Mac setup through my bank. In 2022 my property taxes increased and my auto payments were short. I was not getting proper notification in the mail and phone calls only left messages to call back about my account. About six months of payments missed and only about three actual email notifications. Most mail notifications from Penny Mac are to refinance, so I never called back. Eventually I did speak to someone who informed me of my past due amount. Every month was added on not only the extra amount for the shortfall, but also of the monthly late fees. I immediately paid the back amount to get my account up to current status. That person also informed me that the best way to stop this from happening is to setup auto draft through Penny Mac directly. 

I setup auto draft at that time in XXXX of XXXX. Once again, in XXXX, the auto draft did not go through and I had a late payment. I then made again the steps to correct my auto draft from Penny Mac 's system. The system said I had a Scheduled Payment on XX/XX/2022 and the Status says " Scheduled. '' As of XX/XX/2022, the payment still did not go through. When I called, I was told my account was a " Suspended '' status and I needed to bring my account up to current for the auto payments to work. I brought my account up to current, and the XX/XX/2022 Scheduled Payment is still showing and yet in the One-Time Pay section, it shows I do not owe anything until XX/XX/2022. When I called an inquired about why my payment did not go through I was told two different things ... the first was that I can not setup auto payment with an amount due. And from another agent, I was told there was an issue with my auto draft and that money was not there ( an obvious lie ). 

I am filing this complaint for three reasons - failure for proper notification of missed or late payments. And an auto payment system that fails to work putting me not paying my mortgage on time leading me into a false sense of security with a Pending Payment Status of " Scheduled '' when it did not go through, nor ANY notification that I can not setup auto payment with an amount due. Why is a system designed not to have a system for auto payment with amount due? Almost always will there be an amount due! And lastly, for lying to me about my account and my account status for failure of their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I closed a credit card with Bank of America and it has a credit balance of {$25.00}. I also have a checking account with Bank of America. I called on XX/XX/XXXX to request the credit card credit balance be transferred into my checking account with Bank of America. They have not transferred the funds as of XX/XX/2022. I called to asked why the funds have not been transferred and the associate said that they were researching the account. Both accounts are held at Bank of America so I don't understand what they could be researching and they would not tell me.

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 monetary relief
Consumer complaint received 2022-06-09 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IA

Complaint narrative:
In XXXX I attempted to setup Auto Pay, it has yet to start working. In XXXX we had a family emergency and my daughter spent a couple days in the hospital, I was not monitoring my mortgage for our lake home and auto pay did not process we received a late notice by mail, this was the first contact I had about a late payment for the month of XXXX. I called and confirmed and made two payments as a sign of good faith to attempt to correct this issue. Amerihome submitted a 30 day late notice to mine and my wife 's credit history. I have attempted to correct the issue with both auto pay and the hit to my credit. I feel this was not an error on my part has I have a letter stating my account was setup with auto pay, to this day when I login to my amerihome account it states auto pay is enabled. This is the only negative mark on my credit and I feel this is in error and I should not have to suffer with a delinquency mark for the next seven years because auto pay did not work as intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: IL

Complaint narrative:
Two rounds of dispute letters were sent to Equifax on XXXX, XXXX, 2022 and XXXX XXXX in regards to XXXX XXXX reporting a collection account which has not been validated with signature as requested. This collection account remains on my credit report despite not being fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I tried to contact them for the service but they are not replying to my calls. I contacted to their office number as well but they refused to help me so I want to remove my account from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX  Bankruptcy filing Reference # XXXX, XXXX XXXX Bankruptcy filing Reference # 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 non-monetary relief
Consumer complaint received 2022-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In accordance with the Fair Debt Reporting Act. 

Bank of America is violating my rights. I have NOT given them any written consent permission. They did HARD INQUIRIES on XX/XX/XXXX, XX/XX/XXXX on XXXX, XXXX credit profile, lowering my credit score by XXXX points. Without my permissionand there was NO purpose. 

After speaking with Bank of America representative : XXXX XXXX XX/XX/XXXX, she stated " there was NO new application from me asking for credit or services. '' I asked for a copy of my signature on Bank of America application. 
She stated " she could NOT send me a copy of my signature due to Bank of America NOT having a new signature on file. '' The HARD INQUIRIES remains on my profile.

According to : 15 U.S.C 1681a ( 2 ) Permissible Purpose of consumer report. My rights are being violated.

15 U.S.C 1681 Section 604A Section 2 Also states : A consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have been unable to setup my online account since being approved for my account on XX/XX/2022. I have accessed the website to setup my online account, https : //www.barclaycardus.com/XXXX XXXX XXXX XXXX but despite repeated attempts I always receive an error message. I have contacted the bank approximately 100 times via telephone and have not received a resolution to my issue. I have been told that the bank is experiencing technical issues and I will need to call them back, that they can not find my account anywhere in their system, and that It is just a glitch and that I need to wait a few days. When I've asked to speak to a manager, I've been told they will call me back in 10-15 business days. I enrolled in paperless billing when I signed up for the account, thus I need online access to review my statements and provide payments. I have contacted via telephone and XXXX, and at this point I have no other options besides CFPB.

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 2022-06-09 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy filing Reference # XXXX, Chapter XXXX Bankruptcy filing Reference # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy filing Reference # XXXX, Chapter XXXX Bankruptcy filing Reference # 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 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Majority USA, LLC
State: AR

Complaint narrative:
I have been using Majority bank checking account which was opened and approved on XX/XX/2022. I had initial issues with not being able to use my funds in the account but they sorted the technical error and I could start using my account from XX/XX/XXXX. The account allowed me to use my credit card and fund the account which was a feature of the account and I used it till XX/XX/XXXX. On XX/XX/XXXX, I sent an email to the support team of Majority that I am not able to deposit funds using my card that was added to the account. They asked me if the card is a debit or credit card to which I responded that it was a credit card. They said that its not allowed to deposit funds using credit card. However, I was able to do it for the past 15 days without any issue. Finally, on XX/XX/XXXX, they sent me an email that they will be closing my account without giving me any reasons and asked me to withdraw funds from the account by XX/XX/XXXX. I found it unfair and disrespectful for abruptly asking me to withdraw funds as they solely decided to close my account without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX - XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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