vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 2023-06-13 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: VA

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, XXXXAccount name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion Credit Bureau is reporting inaccurate inquires on my credit report. 
The below letter was sent certified mail XX/XX/XXXX. 
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : The following hard inquiries are FRAUDULENT.Please delete them. Since I have never given permission for them to inquire about my credit status, they are unauthorized by 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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was immediately denied opening an account with the bank. 

I reached out to the bank for information regarding why their decision was to decline opening an account, however, they chose not to communicate and instead provide a phone number for an outside consumer reporting agency, which was not, however, the agency the bank had listed on their declination notice letter and was not the agency they based their decision on. 

They based their the consumer reporting agency ( Early warning service ) which had no negative information about 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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
This is a continuation of previous complaint XXXX XXXX XXXX responded to my inquiry regarding my disagreement with the recovery modification monthly payments PNC is offering. I asked the following additional questions as it relates to the next course of action once the research is completed. As the due date approaches XX/XX/2023, for the loan modification paperwork to be turned in will the foreclosure proceedings move forward even though I do not agree with the terms of the modification offered? 

Simple questions could be answered via secure email per XXXX XXXX advice in her correspondence to me to further discuss information regarding my account over the phone. I advised XXXX XXXX previously ; I prefer via email for a paper trail. The only issues that are being addressed are my concerns that were outlined to the CFPB. This gave me the impression she is not entitled to answer any more of my questions unless it is over the phone or not required at all, but is supposed to advocate on my behalf. Secured email communications have been implemented before when addressing any concerns or in communication with any PNC staff member, I am not sure why a secured message was not initiated when I started asking questions or why my questions could not be answered as I do not have access to an online mortgage account with PNC to send secured correspondences. Im sending another correspondence for the following questions to be answered : As the due date approaches XX/XX/2023, for the loan modification paperwork to be turned in to PNC, will the foreclosure proceedings move forward even though I do not agree with the terms of the modification offered with pending research? 

All I need is an immediate response as to what I need to do in the meantime while PNC is conducting its research to my initial questions with an approaching deadline to have the documents received by XX/XX/2023, and whether PNC move forward with foreclosure while my account is being researched? 

As stated in the approved loan modification correspondence The next steps is to permanently modify your loan to more affordable mortgage payments or more manageable terms. The terms of this permanent loan modification are attached. It is important that you read this information thoroughly so that you can decide whether you would like to accept this permanent loan modification offer. 

The loan modification is not affordable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a bonus promotion from Citibank and on XX/XX/2023 I funded my savings account in the amount of {$75000.00}. Prior to funding my account I called to ask whether the money had to go into checking or savings and were told that it did not matter. Hence, money was sent to the savings account. I was advised that the money had to stay in the account for at least 60 days but could be taken out after that. I was further told that I had to keep {$1500.00} in that account to avoid getting charged a monthly maintenance fee and to prevent my account from being closed. 

I kept receiving messages that my checking account would be closed if no money is deposited into it. I called Citibank on a recorded line and was told I could just let the checking account get closed and that I only had to make sure that my savngs account would remain open to receive the {$1000.00} bonus by XX/XX/2023 ( latest funding date ). 

After continuing to receive messages that my checking account would be closed if no money is deposited into it, I called Citibank again and it was confirmed to me by the service representative that I could allow the checking account to be closed without this affecting my bonus for which I have already qualified. There are recordings from Citibanm of this that can be subpoenad. 

I have patiently waited until XX/XX/2023 to call and find out why I had not yet received the promotional bonus amount. I was told by one representative that this was because my checking account was closed. He was supposed to file an inveatigation but then hung up the phone on me. I followed up my call with another call and another representative assured me that I had met the terms of the agreement and that she would submit an investigation complaint. Today on XX/XX/2023 I called Citibank after having received no news from them regarding the investigation, and I was told that my request was denied because my checking account was closed. I told them to check the recordings of the calls with all of their representatives, since I have been calling ad nauseum with requests to confirm when it was okay to move the money out of savings and whether I needed to keep the checking account open. However, the supervisor told me that a decision was made by the bonus department and they are sorry but this is what it is. 

Please let me know when you need the account information, and other data to identify my account and to help look into this matter.

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 2023-06-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XX/XX/2023, when Goldman Sachs suffered a {$470.00} XXXX loss on Marcus Consumer Bank, Goldman Sachs began withdrawing funds from our savings account for " Tax Purposes ''. They said we'd get the funds back after filing our taxes. However, these monthly ( or quarterly or whatever time period they are determining on their own ) unapproved tax backup withdrawals are lowering the balance and, thereby, lowering the interest earned. This activity was done without our approval on a checking account we had held for years without suffering any loss, fees, or unapproved tax backup withdrawals. Furthermore, we've been told that the same type of tax backup withdrawal will be applied to our CDs when they mature. We are closing all of our accounts and CDs, taking all financial backup withholding penalty fee hits, so we can get away from this unapproved financial behavior levied on us by Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I filed a dispute trough all three credit bureaus -- XXXX, XXXX and XXXX -- regarding my now-closed Synchrony Bank Amazon Store Secured Credit Card on or around XX/XX/XXXX. I stated that this account is more than seven years old and therefore too old to be on my credit report. When Synchrony Bank responded to the dispute, they incorrectly reported that the account status is " 60 days past due. '' This is not possible. This account was closed with a XXXX balance in XXXX. When Synchrony Bank responded to the credit report disputes, they incorrectly reported that this account status is " 60 days past due, '' which has not adversely affected my credit score and ability to obtain credit. This account is closed and paid in full. Also, it can not have a current account status of " 60 days past due '' because the account is closed. Furthermore, the account never went 60 days past due, so this is even more incorrect. There are two errors here : The account was never 60 days past due and the current account status is being reported incorrectly as 60 days past due. The account status and derogatory account information must be updated and corrected. Finally, the payment history on this account never once shows that this account ever went 60 days past due. So, it's impossible for this account to be reported currently as 60 days past due. I have included screen shots directly from my XXXX credit file to substantiate my claims.

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 2023-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
We moved into a new home 2 years ago this past XXXX. The escrow, collected by Penny Mac, is included in the mortgage and we pay approximately $ XXXX in taxes. We had the sufficient funds put into the escrow account to allow for future taxes that had not yet been assessed. In XXXX of XXXX, we received a check for {$10000.00} for what they said was an overpayment of escrow. We called Penny Mac and verified that was indeed our money to spend. They had too much money in the escrow account and this was the refund. However, at that time, we also called the tax collector and was told that the property had yet to be assessed. 

A year later we called to check to be sure all taxes had been paid. Well, it seems that Penny Mac had to pay 2 late fees.one for {$900.00} and another for {$300.00} because of their carelessness. Weve made many phone calls to this company to check on the taxes. They are completely incompetent. 

On XX/XX/XXXX we called the company again to be certain that everything was paid and up to date. At that time, we were utterly shocked to hear we owed them the {$10000.00} dollars back they had mailed a year previously after they told us verbally it was ours to keep. We talked to them a long time trying to understand this error. We were told that THEY had made the error and THEY had trouble with the taxes. We asked to speak to a supervisor and was told we would receive a call back in a few days. NOTHING! No call nor a letter from XXXX XXXX explaining the situation. 

This past month, we receive a new mortgage payment for {$750.00} more than the original payment, without any notification of this new amount. We are retiredI am XXXX and my partner IS XXXX XXXX XXXX. We dont have the jobs to go make an extra $ XXXX each month. This is unacceptable on every level. 

It was their error and they are not novices to the mortgagee business! They didnt even have the courtesy to call or write to us about the situation. We dont have an extra {$750.00} each month and we dont choose to pay for their mistake for the next 5 years, which was their solution. 

This is their responsibility and their error. We spent hours on the phone with this company and it was never satisfactorily resolved. There was XXXX communication from the company to us on how to correct the problem. We are looking for assistance. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX  Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore exist. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 I would like for this fed loans to be closed and removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
ive tried to dispute account with XXXX XXXX I asking for method of verification because account is reporting dispute resolved. over 30 days have passed, and I have yet not received any verification on acct. I do not agree with report investigation results because I have no clue how this account was verified. Account is stating inaccurate reporting account open, derogatory, collection charge of all at the same time. There is no way that account can be derogatory if reporting account as collection. Account is also stating in accurate reporting account has open derogatory collection charge of all at the same time there is no way that account can be derogatory if reporting account as collection I had previously stated on my dispute, I had previously stated on my dispute that I do not recall having this account open for that reason, I wanted account to be verified, or delete. I have not received any documentation with any kind of verification stating this debt belongs 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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I set up auto pay at the beginning of my loan with TD Auto finance in XX/XX/XXXX. 
I called to finalize on XX/XX/XXXX, knowing I only had a few payments left. The representative advised that I had been 30 days late for the entire loan, which amounts to several XXXX XXXX. I never received a phone call from TD, neither did my son, who is the co-signer. I never received an email or a letter. They stated the phone number they had was incorrect for me in their system. It was off by one digit, which if you XXXX my name comes up correctly. Very easy to find me. I have had the same phone number and address for nearly 30 years. They never attempted to call my son. They admit they never sent any correspondence or emails. They have my correct email and address. My payments have been pulled from my checking account every month, so I have no reason to think I was overdue. They did not make any reasonable attempt to contact me. They are not willing to make any concessions at all. I should not be held responsible for their error. I spoke to 5 different people, and was unable to get any resolution. I have excellent credit and regularly check my report. I have never been reported late by TD or anyone else. I most certainly would have corrected the confusion had I known about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC
State: CA

Complaint narrative:
I applied a balance transfer from my credit union account to cover the balance of my loan on XX/XX/XXXX. At that time, the balance was just over {$600.00}, with biweekly payments of {$170.00} being made via auotpayment. 

The credit union sent the funds immediately. When I received notification from XXXX that the next scheduled payment was due to be withdrawn from my account, I called them to inquire why. I was told I needed to " learn to understand how loan payments work '' [ I've worked in financial services for over a decade and needed a short term loan to cover bills ]. 

I asked to be transferred to someone else, and spoke to XXXX. He asked me to contact the credit union. When I did, I was informed it could take as long as a month for funds to disperse to the creditor. 

Today ( XX/XX/XXXX ) I again was informed that my autopayment would be applied on XX/XX/XXXX. I called XXXX and after multiple attempts at explaining the situation to them, was told I " just need to call the credit union ''. I've asked the credit union to validate where the funds went. In the meantime, after 6 phone calls spanning a month, I'm gotten no farther in finding out what happened with the payment with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
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.

The letters are stated with items and issues.

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 2023-06-13 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: CT

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. 

The letters are stated with items and issues. 

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