vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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: HI

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... 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 2022-10-05 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: HI

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 : XXXXXXXX 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 explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kingston Data & Credit International Inc.
State: IL

Complaint narrative:
They are attempting to collect debt in Illinois, while contacting me from XXXX, without an illinois license. This is against ( XXXX XXXX XXXX. XXXX. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: OneMain Finance Corporation
State: IN

Complaint narrative:
One Main financial, and the credit bureas are deliberately reporting inaccurate information to damage my credit profile. I was never 60 days late on any payment as indicated by XXXX. You can not report of XXXX late without a XXXX late payment reflected. This is inconsistency in credit reporting, and deliberate act to sabotage my credit profile Also, One main financial has falsely claimed a XXXX late payment for the month of XXXX. Please see attached screenshot showing proof that the payment was paid before the XXXX XXXX mark. 

XXXX is reporting XXXX consecutive months of late payments, which again is inaccurate, and goes against the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have been attempting to work with this company after a Covid19 forbearance for over two years. The original issue arose because I didn't understand that the forbearance period was only 3 months. As soon as I realized this, I attempted multiple times to extend the forbearance. All my attempts were rejected. Then I tried multiple times to defer the past due. Rejected. 

I paid the mortgage EVERY SINGLE month after that but the company continues to report me late every single month because, with the humongous interest and penalties they keep adding, I can never catch up. I am paying well over the monthly payment every month but they continue to report me late every month because my overpayment can't even make a dent in the almost XXXX XXXX DOLLAR interest and penalities they added to my account. 

The company told me that they do not have to help me because this is a line of credit and not a mortgage, and that they were not bound by the rules of the CARES act. They offered a ridiculously short forebearance and then refused to defer the forbearance amount even though I provided ample proof that I had no rents and no employment because of Covid. Then they piled on heavy interest and penalties and trapped me in a cycle from which I can never escape because I can never afford to pay it off. They refused multiple requests to defer the amount or waive some or all of the penalties. Because they keep falsely reporting my payments as late, my credit score dropped XXXX points and I can't refinance with any other company. 

I have submitted complaints about them here. Nothing happened. 

I recently filed what I believe is my sixth or seventh application, I have lost count. I only asked for a deferral of any past due mortgage payments I have not heard back from the company. I have attempted to call twice and end up on hold for XXXX XXXX minutes and get transferred multiple times only to get cut off before speaking to anyone who can help. 

This is not a difficult problem to solve. I am only asking PNC to waive some or all of the fees for late payments, defer any past due amount and correct my record with the credit bureaus. This is a reasonable response and what I believe was the legal requirement, that this company works with me to come up with a reasonable solution to keep me and my kids in my home. I have paid this company faithfully every month since I got this HELOC except for the forbearance period, and they have done nothing to help but only to harm my account with them and to destroy my credit so I can't find another company. 

If I can't get a reasonable solution via this complaint and my multiple applications, I will be filing a claim in small claims court in XXXX and will be seeking damages in addition to the above requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent debt to XXXX XXXX XXXX. Will not provide original bill showing additional fees. All medical debts were/have been paid in full through XXXX plans XXXX No medical debts should be on my credit reports. I've already contacted doctors and hospitals that show all billing paid in full including the XXXX. I do not owe {$62.00} for any services. I demand removal of this account from my Experian collections/credit report. This follows a complaint to the XXXX as well. XXXX and XXXX have validated and removed accordingly.

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 2022-10-05 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Original creditor : XXXX APARTMENTS Account number XXXX XXXX XXXX account number XXXX DEPT OF XXXX Account number XXXX XXXX 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 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.

XXXX Comments

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 2022-10-05 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I contacted XXXX regarding a XXXX debt from the company affirm. I noticed this debt when checking my credit report. I informed XXXX I was never associated with this company and this was identity theft. I proceeded to dispute this debt with XXXX and also called Affirm to get details on the debt. I provided XXXX and Affirm with a FTC identity theft and a police report. I was told by a representative from Affirm that the account was under investigation. On XX/XX/2022 I received notification from XXXX that my dispute had been resolved and the Affirm debt would remain on my credit report. I was told to contact affirm again regarding this matter. I contacted affirm and I was told this account should have been removed from my credit report. XXXX keeps reporting inaccurate information and refuses to rectify my issue. I was told that experian has not received any mail from me which I will attach to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2022, my chase account had been locked. I didn't know why but it asked me to call them so I call them assuming I was speaking to an advisor from Chase but she told me that they closed my account and couldn't tell me why. So I had to call Chase again from their primary customer service line but the second advisor XXXX told me my account got closed due to " me calling in a deposit that was missing '' but I didn't make a call. Why can't they look up the phone number that called in and look into that. I had attempted to go the branch but they told me there was nothing I could do and my account would be closed forever. I've never had this issue before and I have deposited checks before that have never bounced or were fraud. The fact chase will not be willing to help me even thou my account got comprised. I had lost my lost card a prior month and I don't know if that has to do with it. But they also refuse to do chargebacks on charges I didn't do. I would like my account reopen or for them to look further into it. Or remove it from my credit so I could open an account with another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Credit Service Inc.
State: OR

Complaint narrative:
So I have been trying to put money in to my debt to pay it off it saying my account number that they gave me is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A check was cashed using a mobile deposit into a sole and private account that had two names on the front of the check. Two names that states jane doe AND john doe. The check required two signatures to be cashed as it was made out to two people. The depos was made and put into the a single account not a joint account with only one endorsement on the back of the check. The other party did not receive half of the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
My girlfriend at the time was served with court papers. She advised the person I did not live there at this time and she threw the papers at her. I attempted to get the original debt information and they refused. They stated they are attorneys not debt collectors and would not provide this information. They advised me that if I refuse to provide my personal information they would not work with me on monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
I ( a potential student ) went around to different schools looking to see which one fit my interest. I had showed up to XXXX XXXX on admissions day to see the campus, and was showed how to join classes online by a lady that worked there. I had left the school relalizing that it was not the school I would want to attend. A few months go by and now I am getting a charge in the mail saying that I own XXXX XXXX {$3600.00}. While attending admissions day, the lady who was showing me the online signup must have accidently signed me up for classes for which I did not ask her to do, and made it clear I was just looking at schools and what classes they offered. I have sent appeals and several complaints to the school for this issue but they denied them all and said that it isn't their problem. They sent the debt to a collections agency XXXX Williams & Fudge , Inc ) and as of XX/XX/XXXX, I owe them {$3600.00}. I do not have the money to pay them for a mistake they made and do not want to admit they made one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are 1 unauthorized item listed. As I am sure you are aware, it is my right to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following items, I wish to dispute on my consumer report : XXXX XXXX COLLECTIONS XXXX. By Federal law you are required to list complete accurate information and you are listing fraudulent items. Per Federal Law when a consumer informs the consumer reporting agencies of Identity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report Per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XX/XX/XXXX, account frozen by Venmo for unknown reasons. Company refuses to disclose reason or a timeline for resolution. {$700.00} rent payment from my roommate is locked in the account so I can not pay our rent. Company will not refund payment to him or allow me to transfer to my bank. Multiple agents and supervisors will not disclose reason for freezing the account or allow me to speak to someone in the department that would know. Researching online, this has been a recurring issue and seems like it could be a scam to accrue interest on accounts with larger sums of money in them? Have already filed complaints with the FTC and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX XXXX on XX/XX/2022, was in a XXXX XXXX and XXXX XXXX vehicle. Is the leaseholder. My complaint is against XXXX XXXX and XXXX XXXX and all its Dealerships. XXXX XXXX and all their Franchises have colluded together to charge a market correction invoice charging {$5000.00} over XXXX of {$25000.00} {$31000.00} Sometimes even {$10000.00} per car. All the Dealerships say it's a supply and demand they have a shortage of cars and more demand because of chips and XXXX XXXX. They're slow walking the inventory to market. Not only XXXX but all the car makers are doing the same to overcharge on these vehicles. You don't have an option to buy at a fair price. You have an XXXX problem with the XXXX XXXX. They have a XXXX on the price. They will not negotiate the price. This is not a fair market in XXXX. The Insurance company appraised my vehicle at XXXX XXXX we had a payoff of {$26000.00}, If I wanted to buy the car I would pay XXXX plus tax. XXXX came up with a different amount charging XXXX Stealing from me over {$5000.00}. They told me it was their car they just leased it to me. That didn't matter because I would be paying XXXX if I wanted to buy my lease car. This is a banking fraud Nothing on their website nothing in any of the lease documents. 
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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 2022-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc.
State: TX

Complaint narrative:
Hi there, My wife and I are in bankruptcy. Due to this, our bankruptcy payments go through the Trustee who then makes payments to the mortgage company. Those payments are sent in a timely manner each week and we have had no problems ( been in bankruptcy for 4 years ) until now. Click n Close ( aka-Mid America Mortgage XXXX XXXX XXXX XXXX XXXX has taken over the loan. They refuse to pay the insurance to our home insurance company XXXX XXXX. The legal documents for Case # XXXX include the instructions that mortgage and insurance payments are to be paid through the bankruptcy case. We are not behind and our attorneys have attempted to rectify this with the mortgage company, but they do not answer. If they do answer us or the attorneys, we are given information to silence us but they are uncooperative and unprofessional. 
At this point, we need our home insurance paid and Click n Close ( or the sister companies ) has the money but are refusing to pay. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc.
State: TX

Complaint narrative:
I have a Fannie Mae loan with Click N Close Mortgage, Formerly XXXX Mortgage. In XXXX we came out of a one year XXXX XXXX. They had me do 3 months of probationary payments which I had to do over the phone, with no internet access to my account. At the end of the probationary period they offered me 4 choices on how to proceed as were allowed by Fannie Mae. I chose to do a streamline modification. After many mess-ups on the part of Click N Close we got it fixed. During that time they reported me as negative credit although they were not supposed to. This was on 2 previous complaints that I have filed with you. Both times they did it, it got resolved. On the paperwork signed for the streamline modification it stated that my payments would be {$2700.00}, Which what my payments were before going into XXXX XXXX. I inquired about escrow, because I knew that my taxes have gone up a bit. Not much. They said it was taken into consideration and everything was fine. Two months later they dropped my payment to {$2400.00}. I, once again, contacted them to make sure it was correct. They assured me it was. This month on XX/XX/XXXX I went online to make payment, and my payment has jumped to {$3300.00}. A difference of {$850.00} a month. I called customer service to find out why. I was informed that the did a new escrow analysis, and I have to pay this amount for the next 12 months to catch up the escrow account. This is a hardship on me that I can not afford, and none of the paperwork I signed stated anything about an escrow shortage. When they did my streamline modification they didn't include escrow, so my escrow account started out at {$0.00} in XXXX of this year. Under the guidelines that I read it should have been included and all that was happening was They were adding years on to the end of my mortgage. I'm tired of them doing these things to me. This has been overwhelming.

Company response to consumer: Closed with explanation