vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-02-23 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: PA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX  XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: PA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX  XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
I am a victim of identity theft and have made several attempts to have this information removed with no results. Please remove the fraudulent items from my credit report or I will pursue further legal action. 

I have detailed the accounts and my requested in the attached documents. Please review. 

I have attached Blocking request including the accounts that are fraudulent FTC ID theft report Proof of address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I believe that Mr. Cooper ( and its parent Nationstar Mortgage LLC ) are participating in what seems like predatory behavior with the mortgage they hold for me because no other explanation makes sense. 

( All figures in USD ). 
XX/XX/XXXX : my escrow balance was approximately XXXX. 
XX/XX/XXXX : Mr Cooper conducted a yearly escrow assessment where they anticipated my home insurance to be XXXX and property taxes to be XXXX for XXXX, totaling approximately XXXX. This was relayed to me by a customer service rep. 
XX/XX/XXXX : After this assessment, Mr. Cooper concluded that there was a SURPLUS in my escrow account and issued me a check in the amount of XXXX. 
In the correspondence included with the check, they also made a note that they anticipated my escrow payment to decrease starting XX/XX/XXXX. I will attach. 

Up to this point, my monthly mortgage payment was XXXX ( comprised of XXXX principal & XXXX escrow ). 

In the same correspondence of the surplus check, I received a notification for the XX/XX/XXXX mortgage payment. Mr. Cooper raised my monthly mortgage payment to XXXX ( monthly ins and taxes now XXXX instead of XXXX ). After speaking with customer service ( who didn't succeed at reassuring me this sequence of events made sense ), I was told that my home insurance was higher than expected so they had to increase my mortgage to cover this. They knew this WHEN they were issuing the surplus check to me ( see attachment ). Additionally, I was told by customer service that I couldnt just add money back to my escrow to cover any insurance hikes. So they allegedly assessed before they could properly estimate then did not give me an alternative option to make up any differences that may arise. 

I also submitted written inquiries to their website for which I received a stock message of they'll get back to me within a certain time frame in written form. The only letters I received was an acknowledgement of me submitting a request and an anticipated response time but no actual resolution. They also made sure to state that they were only a servicer and Nationstar owned my mortgage as if they were not all a part of the same company. 

To recap, I had an escrow surplus and they issued me a check only to raise my monthly mortgage payment anyway because I wouldnt have enough in escrow to cover insurance and taxes for XXXX. If they were acting in goodwill, why is the escrow assessment performed BEFORE theyve paid out/received the totals required for the calendar year? It smacks of plausible deniability while engaging in predatory behavior in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist holds my mortgage. I was affected by XXXX XXXX on XX/XX/XXXX. On XXXX XXXX I was required to turn over insurance claim checks to Truist to be held in escrow until repairs could be inspected and confirmed. I was told once repairs are completed, I contact the Insurance Claim Check department, an inspector would contact me within 7 days, confirm repairs were complete and funds would be released to me. Repairs have been completed since XX/XX/XXXX. I ordered an inspection on XX/XX/XXXX. I have called the Truist Claim Check department at XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting a confirmation that an inspector is scheduled to come to my home so we can proceed with releasing the {$29000.00} that is being held in escrow. I have been told for the 5th time that my inspection request is being escalated to a higher level. Each call I place is answered by telling me that the issue is being escalated to a higher level. I paid for the repairs out of pocket and need to get the insurance funds released. To date, no inspection is scheduled. There are also additional timing issues after the inspection ( receipt of the report, review of the report by Truist, issuance of funds, mailing of funds ) is completed and I fear that it will take another 25 days beyond the inspection to release my funds. The representative has offered to send 10 % to help relieve tension, but I find this unacceptable. I have paid in full and completed the covered repairs, now I want my funds released.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: MN

Complaint narrative:
I once owned a credit card from PNC Bank and submitted a lost or stolen card claim. The sent me a new card, but the lost or stolen card showed on my credit report for many months. I continued to pay all payments on the new card. I had not received any notification from PNC that I had an outstanding balance on the lost or stolen card. Then in XX/XX/XXXX, I called to inquire why I received a negative report from PNC, only to learn that the old card still had charges of over {$100.00}, which had not been transferred to the new replacement card. I paid what they claimed was owed on the old card then. My credit report for this card shows all payments on time from XX/XX/XXXX until XX/XX/XXXX, when they reported a 30-day late payment that negatively impacted my credit score. I have disputed this claim with credit reporting agencies and tried unsuccessfully to get PNC to remove this late payment they are reporting to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
the last year i had an accident so a insurance company send me a check every 15 days since XX/XX/2022 and these check i upload in the bank of americas app, but in XXXX  i have to go to XXXX because my mother was realy sick i dont remember if were XXXX XXXX o XXXX i had two checks pending to upload at the bank of americas app, but for mistake i upload two times de same check but the a friend go to the bank of amercia branch to deposit the check that i did not upload and deposit other new one and i recive those deposits in mi count but then when i come back from XXXX i had 3 checks that the insurance company send me every check was for {$1300.00} each one and the last XX/XX/XXXX i upload the three checks but the money appear until XX/XX/XXXX but the las XXXX XXXX i did not have any access at banck of america online , so i called to banck of america and they told me that they closed my count for try to charge false checks but the checks are made for the insurance company then i try to charge in other bank because in bank of america tolme that de chesck get back to the insurance company but in th eother banck i can not charge beacuse already were carger so again talk to the bank of america and they told me that the charge the checks and they have de money but they don have anytime to send me that money because they are investigate the money and the suggested to talk to the insurance company so that they would make a claim and return the money and then they would issue me another check but they insurance company told me that they can not do that because the checks already are charger, And I spoke again with the bank of america explaining to them and I told them that it was very illogical and irrational that they supposedly closed my account and credit cards for supposedly false checks when they have the money and they cashed those checks and What I requested is that they return the money from the checks that have already been cashed and that legally belongs to me and apologize publicly for having closed my accounts, of course, false checks when they are not, because if they were they would not have collected any money and they are withholding my money, affecting me financially, so I request that the balance I had in my account be returned to me as soon as possible along with the total of the checks collected. I am not interested in having an account with a bank of America again and that the reports that are issued to credit institutions resulting from the supposed determination by the bank are modified or canceled so as not to have any problem in the long or short term since the checks are not false so much so that you were able to collect said resources and I do not understand why they keep them when they legally belong to 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 2023-02-23 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I do not owe XXXX XXXX XXXX. I contacted the original debtor ( XXXX XXXX ) and they couldnt find how I owed them at first then they said it was for clean up. I told them to prove it because I didnt leave anything they cant cause they didnt have paper work. I also dont owe Cain and Weiner original debtor ( progressive ) they put this on my report I had insurance with another company and I been canceled them. I also do not owe XXXX XXXX they keep sending me through hoops to dispute this debt and had no account information on me when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Torres Credit Services, Inc.
State: PA

Complaint narrative:
I do not owe XXXX  XXXX XXXX. I contacted the original debtor ( XXXX XXXX ) and they couldnt find how I owed them at first then they said it was for clean up. I told them to prove it because I didnt leave anything they cant cause they didnt have paper work. I also dont owe XXXX and XXXX original debtor ( XXXX  ) they put this on my report I had insurance with another company and I been canceled them. I also do not owe XXXX XXXX they keep sending me through hoops to dispute this debt and had no account information on me when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: GA

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: SANTANDER HOLDINGS USA, INC.
State: TX

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 604A section 2 : it also states consumer reporting agency can not furnish in account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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:
15 U.S.C. 1681 section 602 A. states I have privacy!!!!!! 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation
State: GA

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. 
Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX 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 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 response to consumer: Closed with explanation