vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: AL

Complaint narrative:
PNC BANK MORTGAGE SERVIC Industry Type : Bank - Mortgage Loans Address : XXXX XXXXXXXX XXXX XXXX, OH XXXX Balance : {$19000.00} Subject : Dispute of Unauthorized Reporting of Information on Credit Profile To Whom It May Concern, I am writing to dispute information on my credit profile that has been reported without my permission, which I believe violates the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). The unauthorized reporting of this information is a violation of my rights as a consumer. 

PNC BANK MORTGAGE SERVIC Industry Type : Bank - Mortgage Loans Address : XXXX XXXXXXXX XXXX XXXX, OH XXXX Balance : {$19000.00} According to the UCC 2-725, which governs statute of limitations for breach of sales contracts, and UCC 3-118 , which addresses limitations on presentment warranties, the reporting of unauthorized information on my credit profile is not only a breach of contract but also a violation of the warranty of title, which requires that all claims on goods be disclosed. Additionally, the FCRA 1681s-2 mandates that furnishers of information to credit reporting agencies must have permissible purposes for doing so, and obtaining consumer consent is a fundamental requirement. 

I request that you promptly investigate this matter and remove the unauthorized information from my credit profile. Furthermore, I demand written confirmation of the removal and an updated copy of my credit report reflecting the changes made within the timeframe specified by law. 

Please provide me with any documentation or evidence supporting the validity of the reported information, as well as information on the source of this data. 

Failure to comply with my request within the specified time frame will leave me no choice but to pursue legal action to rectify this matter and seek damages for any harm caused to my creditworthiness and reputation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
IQ data international IN put a collections balance from XXXX XXXX XXXX XXXX on my credit report. I called the company to get more information. I was informed they are using an old rental lease to try to collect a debt from me. i co-signed on a lease for my brother. He signed a new lease in XXXX with the company on his own. I made the IQ Data company aware that i would like to see a current XXXX lease because i did not sign it to prove i am not on the lease. I keep disputing the collections. all my debts are 100 % paid and current and this is the only negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I had payments to this credit card returned due to insufficient balance on the originating account, as I have multiple bank accounts with varying balances. I quickly resolved both by sending payments from alternate accounts before any late fees incurred. Without any prior notice, on XX/XX/XXXX, credit karma informed me that the account had been closed. My balance was XXXX at the time of closure. In the mail yesterday I received a letter that said it was closed due to the number of dishonored payments on this account. I believe I should have received a warning before this action was taken, especially as I immediately corrected both errors and was never delinquent. I have a very high credit score and have always been a responsible credit holder, it should be clear that these XXXX errors arent indicative of intent to refuse payment later. I have a steady income that I can prove. This surprise closure has resulted in a severe credit score drop not proportionate to the issue at hand, and I would greatly appreciate if steps could be taken to reopen the 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 explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/XXXX, someone impersonating someone in XXXX contacted me for help buying food. He followed the same " nonprofit '' organizations there I did so I believed him given the emotional plea. He needed the money directly so I was instructed to use PayPal. I sent {$100.00} to " XXXX XXXX '' in " XXXX '' who was supposedly XXXX XXXX XXXX friend who could get it to him. The funds came from my bank account at XXXX. The email address for this transaction via PayPal was XXXX. I have a picture of XXXX XXXX XXXX foreign ID and a phone number for him. And photos/videos. 

This person stayed in almost constant contact with me telling me about how dire their situation was for them and their XXXX family members. I spent days and nights worried for their safety. The two year anniversary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is on the XXXX and it is a very emotional time for me. I XXXX XXXX XXXX XXXX XXXX  XXXX and a XXXX on XX/XX/XXXX that did not have me thinking as clearly. 

On the XXXX of XXXX, I this time sent {$200.00} to the same address. The funds this time came from a PayPal credit card. A few hours later, I noticed several things online between a few accounts did not line up and/or showed videos with obvious green screen usage. I immediately went to cancel the {$200.00} payment with PayPal. It still showed as pending and an agent I spoke with at PayPal said I could dispute it. I did so and today I was told they are closing my case though it still shows as pending on my end.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

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 2024-05-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: GA

Complaint narrative:
I received a call from the collection agency stating that I owed an amount of XXXX for XXXX XXXX. I told them I didn't owe XXXX that my employer through XXXX  pays them directly. I contacted XXXX and they stated the amount that was owed was XXXX. XXXX then received payments from my employer XX/XX/XXXX of XXXX and XXXX. According the XXXX my balance remaining was XXXX. I corresponded this information with the collection agency and asked that they file a dispute. Shortly thereafter, I received a letter from them stating they investigated and the charges were valid. Not reflecting any payments made and completing disregarding the amount stated by XXXX. Then on XX/XX/XXXX, XXXX sent me a letter stating they spoke with the 3rd party collection agency, and informed them that my account should be removed from collection. I called the collection and informed them of this information. The rep stated they never received this information and not only did they increase the balance they initially stated that I owed through the credit bureau, they now marked me as missing a payment. That affected my credit significantly. I have documents stating that I should be out of collections and they refused to erase this incorrect information and remove themselves from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting 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:
I just recently looked at my Transition credit report ( XXXX XXXX : XXXX ) on XX/XX/XXXX. I saw some hard and soft inquiries that did not have permissible purpose. 

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 : Requested On XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX FIRST XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX AXXXX XXXX XXXXXX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXXXXXX XXXX regarding several discrepancies and issues that have negatively impacted my credit report. The details of my complaint are as follows : 1. **Multiple Accounts Reported on Credit Report** : I have discovered a total of 3 accounts reported on my credit report from different variations of this comapays name or affiliated companied ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ). Some these accounts appear to have been initiated by XXXX XXXX XXXX XXXX without my consent . 

I am unable o provide account numbers and specific information about these accounts due o the fact that they have limited information listed on my credit profile 2. **Credit Builder Account** : I am aware of one account, a Credit Builder Account , which I opened and have since paid in full and closed. During the tenure of this account, I was offered a secured credit card. 

XXXX. **XXXX XXXX XXXX  XXXX : The secured credit card was funded by pulling money from my Credit Builder Account . Over time, as I made payments, I chose to have the funds moved to the secured credit card fund. Upon paying off the Credit Builder Account in full, all the funds were transferred to the secured credit card. I was informed by a XXXX XXXX associate that I would not receive a payout because the money would be applied to my secured credit card.

4. **Late Payment Reporting** : Despite the funds being applied to my secured credit card and my Credit Builder Account being paid in full and closed, I am still receiving late payment notices for this secured card in which i was also told was closed. This is highly confusing and unjust, considering I was led to believe that all payments were up to date and correctly managed. 

I am requesting an immediate investigation into these matters. The incorrect reporting of multiple accounts that I did not open is a serious issue that requires rectification. Additionally, the mishandling of my secured credit card funds and the erroneous late payment reports are damaging my credit score and financial reputation. 

Furthermore this company has also violated my rights under the FCRA. 
15 US Code 1681 section 602 15 US Code 1681 section 604 section 2 15 US Code 1666b I would like the late payments removed and account agrees to Paid as agreed, never late

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2018 I noticed five accounts that did not belong to me on my credit report. XXXX XXXX XXXX XXXX JPMCB card accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts The FBI has emailed me regarding this matter and I am a victim of identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
5/3rd 's web-site has contributed to me being logged out of my on-line checking account. The web-page only has a prompt for " forgot login '' and does not have a prompt for " forgot password ''. I did not forgot my login but forget my password. In attempting to go through the process- my account was locked. The poorly designed web-site contributed to the locking of my account. I have attempted to call 5/3 to unlock my account but their office hours are limited and I haven't been able to reach a human. On their web-site - the only way to send a message is to log into your account- which I can't. I am now 4 days into attempting to contact them to have my account unlocked so I can pay bills and view my account but so far I have had no success. The ability to unlock and account or reset a password should be a 24/7 service - and not limited in hours. Due to the poor design of the web-site and inability to get ahold of a person to actually unlock my account I am facing late fees on bills, potential overdraft fees as I am not able to view the balance of my account to ensure appropriate funds are in the account for automatic withdrawal. The negative impact this has had on me is uncalled for. I should not have to spend hours attempting to contact a bank that does not appear to be available to have access to my funds. The design of an online banking module should also not contribute to depositor being locked out. I will be attempting to reach them again on Monday to gain access to my funds. I do plan on exiting my relationship with this bank because of the lack of support and financial impact. I have accounts at multiple other financial institutions and have never had this issue before or been unable to resolve my issues through calling their customer service. If the bank is not able to adequately staff their customer services system to ensure their customers have access to funds then they should ensure their online banking module doesn't contribute to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

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 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I contact customer service support for ShellPoint on XX/XX/2024 ( attached information for my account ) to get my PMI removed from mortgage. 

Customer service walked me through how to submit the request via their online portal with a written request and signed ( attached ). I submitted a written and signed request. 

I received a letter from them dated XX/XX/2024 ( attached ) stating " we are working to gather the requested information and will forward it to you as soon as possible. '' The customer service associate told me I should be receiving a package with instructions for them to do a BPO or appraisal so they can understand the value of my house and get the PMI removed. 

I have not gotten anything else in the mail and still waiting and it is XX/XX/2024 today. I am paying PMI on my mortgage for no reason. As my property value has gone up due to remodeling and also market rise in prices, my LTV threshold is now below XXXX or XXXX percent and I quality for PMI removal. They need to remove the PMI from my account and lower my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
You are Still false advertising a sale for XXXX on XX/XX/XXXX that never happened to assist your XXXX XXXX in fraud. You have two of your employees names attached XXXX XXXX and XXXX XXXX as seller. Your client XXXX XXXX has now sure you are aware that he cash XXXX XXXX XXXX XXXX checks in my name into an account at XXXX known as XXXX XXXX XXXX and made police report XXXX handled by detective XXXX XXXX XXXX and conducted a affidavit of forgery on XX/XX/XXXX and are requesting you work with XXXX. XXXX and telecheck. He are using two fake SSN numbers XXXX and XXXX. Also he used an fake lender on an letter from XXXX XXXX XXXX under record id # XXXX XX/XX/XXXX as Michigan homeowners ASSI. 

On XX/XX/XXXX at XXXX spoke to XXXX XXXX XXXX mortgage department XXXX XXXX and he said - a guy name XXXX XXXX is lying saying XXXX XXXX has clear title and is no clear title in the file and using your loan attach to another loan XXXX for XXXX to XXXX XXXX XXXX.

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 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a business account and I deposited 2 checks that were from the u.s. treasury the bank then froze my account I can't get into it at all and said they have to verify the checks. They have had the checks over a week now and are trying to tell me it will be 14-30 days to verify check. I called the treasury dept. And they told me the the bank cashed the checks more than 5 days ago. This has caused my business great financial stress and I can't get any answers from anyone

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