vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
PenFed Credit Union did not submit documents to the lawyers office in NC in timely fashion in order to close on scheduled closing date of XX/XX/2021. As a result I had to ( 1 ) stay in a hotel along with son until XX/XX/2021 until documents were sent. ( 2 ) All my house furniture was already enroute to the house for delivery on XX/XX/2021 but closing had not occurred. Had to put all furniture in Public Storage in XXXX, NC garage style unit until closing occurred on XX/XX/2021. In XXXX had to pay for 2 trips to get furniture to residence in XXXX XXXX because it was changed to smaller truck once it left my former residence in XXXX XXXX, MD. I contacted the supervisor of the processor as well as my real estate agent did the same, with no results. I need to be reimbursed for hotel stays and furniture moving expenses from XXXX, NC twice.

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 2022-01-07 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: CORELOGIC INC
State: FL

Complaint narrative:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from CREDCO, I never contacted or contracted with this company. I contacted CREDCO by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

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 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Hello, beginning in XX/XX/2021, my PNC virtual spend checking account ending in XXXX began incurring a {$7.00} monthly service fee. Due to a XXXX related injury to my husband as well as my XXXX, in conjunction with the fact that this is not the primary account that my husband and I use, I didn't check my account until about a week ago when I logged on, and at that point realized the account was being charged a fee. I called PNC customer service who advised me that the fee was due to the balance running below {$500.00}. The fee was not something I was aware of, as I opened my account years ago. The customer service agent waived the {$7.00} fee for XXXX and XX/XX/2021, but would not waive XXXX, XXXX, or XXXX. Had PNC sent me an e-mail or called me when my balance reached below the minimum threshold and explained that I would be incurring a charge if I did not deposit additional funds, I would have ensured that there be a minimum of {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Full Advance LLC
State: IN

Complaint narrative:
I took out a loan short term for XXXX which I ended up getting XXXX when you get loan they charge a XXXX funding fee and a fee to transfer to your account via ach. your suppose to have a payment took out weekly for XXXX ( 9 payments ) which I asked them about and that is what they said. It is charged to your debit card. So my first payment was due 2 days after loan which I thought was odd XX/XX/XXXX. Then they try charging my card on Monday, Wednesday, and friday. I always leave my card lock so I do not get unauthorized charges. So they text me said my payment did not go through on Tuesday so I unlocked card and they charge me XXXX on XX/XX/XXXX. Then I get a text message XX/XX/XXXX my payment did not go through, cause again I lock my card. I thought ok this is for this weeks payment. So I unlock on XX/XX/XXXX and pay XXXX again. Then I get a text on XX/XX/XXXX my payment no go through, cause card is locked, and I text them back why you charging me again this week. They said they charge payments to payback the XXXX I borrowed 3 days a week. So they are expecting for me to make 3 payments a week for 3 weeks and I said you never mention this to me before. If I had know I would never have borrowed the money. So they sent me a link https : //fulladvances.com/our-process and when I read it, it does not stay they charge you three days a week, it states they process payments on Monday, Wednesday, and friday, misleading making you think your payment is due on one of these day. I have never ever heard of a lender charging 3 payments a week and also a XXXX funding/processing fee and ach transfer fee. this needs looked into

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXXXXXX 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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my 10th complaint that I am filing against EXPERIAN. There were six [ 6 ] deleted inquiries from my EXPERIAN credit report after my disputes and now EXPERIAN is liable to compensate me with monetary remedy. By deleting the inquiries off my report, EXPERIAN is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EXPERIAN deleted the inquires after I disputed. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 U.S. Code 1681o, EXPERIAN is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. 

I have been going at this case for over 100 days now and I will not stop until I get compensated as EXPERIAN is liable by law to pay my invoice.

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 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am an American Express ( AMEX ) Platinum cardmember. I made a hotel reservation for one night under AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) program at XXXX XXXX  a Luxury Collection Hotel in XXXX. Check-in date XX/XX/XXXX. Check out date XXXXtravel confirmation number ( Confirmation number:XXXX, Trip ID : XXXX ). 

Due to some personal emergency, I will not be able to stick to my original schedule. I called AMEX to change my reservation to date of my convenience. However, AMEX refused to reschedule siting policy restriction of the XXXX program. I was given an option to cancel and then rebook. This hotel allows reservation change to be made before XX/XX/XXXX, after which any changes will come with a fee. 

AMEX provides all its platinum cardmember a {$200.00} hotel credit, which gets clawed back when the cardmember cancels the reservation. So canceling the reservation is not advantageous for the cardmember, but it seems like AMEX is forcing consumers to do that. 

I feel this is an unfair business practice from AMEX. Therefore, I want to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
hello my XXXX and i had got a car tile loan with tile max and they have lied about everything they got my car on the 21 and they said they sent me a note out as well well everyone know when they pick up your car it take may be a week before you get paper work about what you want you want to well i got mine the next day did'nt seen right for you to pick up my car at the wrong loc.they said they got it from my mom house at XXXX pate and thats not true at all some one stole the are and they wantpick up yourcar from no {$430.00} know XXXX yes what i know i work at a plces with tile loan at the 24hour check cashing plance on miller. my address isXXXX XXXX XXXX XXXX XXXX texas XXXX my name isrose XXXX XXXX and XXXX ask her acopy of it she said they dont do that she lied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TN

Complaint narrative:
*I attached my personal info which is my SSC and UTILITY BILL The listed accounts were placed onto my consumer report without my permission. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX *PLEASE SEE ATTACHED DOCUMENTATION

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 2022-01-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$1200.00}

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 2022-01-07 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:
Checked my credit report. I dont owe XXXX XXXX XXXX XXXX Never been to XXXX, Fl. This is identify theft. Someone use my personal information to get health care.

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 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have a XXXX account on my credit with a telephone number that has never been mine. I have had my phone for over 15 plus years. 
This number is not mine. This is not my account. This is an Ex 's account. He still has the number. He still has the phone. 
This is since 2012! Should be off my records! No record of my name ever being on this account. No signed documents from me I am unable to get a home because of this NEGATIVE account on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from EXPERIAN BUSINESS CRED, I never contacted or contracted with this company. I contacted EXPERIAN BUSINESS CRED by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

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 2022-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstCollect, Inc.
State: DE

Complaint narrative:
First collect is trying to collect a medical debt without getting my informed consent per HIPPA law, they accessed my medical information and violated my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: United Revenue Corporation
State: TX

Complaint narrative:
A medical bill was added to my credit report from years ago, and to my understanding that is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: AL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action 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 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Downloaded my XXXX XXXX statement with a Purchase Balance of {$3300.00} and a Special Rate balance of {$7700.00}. Payment due date : XX/XX/2022. 

I arranged for a payment of {$5000.00} to be applied on the due date. 

Downloaded my XXXX XXXX statement which showed the {$5000.00} payment in the transaction section. The XXXX Purchase Balance was listed as {$2400.00} and the Special Rate balance as {$7500.00} I expected my {$5000.00} to be first applied to my XXXX Purchase balance ( XXXX ) and the extra amount ( {$1600.00} ) to my Special Rate balance. 

Instead PenFed VISA applied my {$5000.00} as follows : XXXX Balance ( {$3300.00} as expected ) and applied {$1400.00} to new purchases made in XXXX and {$200.00} to my Special Rate. This method of payment application means that I am also paying for charges in the new cycle and does not offer me any grace period to pay for new charges. It also means I can not rely on the statement balance when arranging for payment. 

Since my Purchase balances are paid in full, their method of applying payments will result in my having a high balance in my Special Rate account when the promo ends in XX/XX/2022- which will then be triggering finance charges unless paid off completely. 

So much for a Special Promo. Note that this was NOT a balance transfer or a 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