vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: PR

Complaint narrative:
When making the monthly mortgage payment, it rose approximately {$500.00} dollars more. When I called the bank, Planet Home Lending, they informed me that this happened after analyzing the account and the bank having paid the property taxes. The institution reports that I pay {$3400.00} and {$860.00} for property taxes. By letter, on XX/XX/2022, ask the bank for copies of these payments made, to verify at the agency, if they were credited to my account. At the moment, the only thing that the institution has sent me has been a copy of the screen indicating the payments made and the monthly charges for the months of XXXX and XXXX. By phone call and email, I informed them that I need to go with the copies of the paid checks to the tax collection agency, in order to investigate. Tell them that this agency provides the information with the copies of the checks of the amounts received. 
On XXXX, XX/XX/XXXX, I sent an email following up on the process and they have not responded. I fear that I will not be able to afford this increase in my monthly mortgage payment and that I will lose my property. That increase represents the payment to some of my utilities or my food purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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:
This is my 3rd and final time disputing this report and inaccurate information remains on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But according to Thr FCR ACT Investigative Consumer Reports. Section 606 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report.

5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA.

6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. 
7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. 
Procedures. Given the preponderance of electronically available information and the growth of identity theft, a user should manage the risks associated with obtaining and using consumer reports. Users should employ procedures, controls, or other safeguards to ensure that they obtain and use consumer reports only in situations for which there are permissible.

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 2022-09-09 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: FL

Complaint narrative:
This is my 3rd and final time disputing this report and inaccurate information remains on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But according to Thr FCR ACT Investigative Consumer Reports. Section 606 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report.

5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA.

6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. 
7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. 
Procedures. Given the preponderance of electronically available information and the growth of identity theft, a user should manage the risks associated with obtaining and using consumer reports. Users should employ procedures, controls, or other safeguards to ensure that they obtain and use consumer reports only in situations for which there are permissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested for transunion, XXXX and XXXX to remove any old addresses and misspellings of my name because that is not how my credit report should reflect. They still have not updated my credit reports to show accurate information and i demand my requests be completed immediately. As it is my right as a consumer to have an accurate credit report.

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: IN

Complaint narrative:
I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-09 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: GA

Complaint narrative:
I reached to this company several times in reference to the many errors on my report. They never responded. I didn't receive any letters in regards to my concerns. I can't even get a job due to the inaccurate items reporting on my account that are affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called in to the claims department on XXXX XXXX explaining that I need to cancel a purchase with XXXX that was made on XX/XX/XXXX, for an event on XX/XX/XXXX,. XXXX the corporate is on vacation stated the companys voicemail, the promoter told me I have to handle my refund with XXXX because the funds is not deposited into the Organizers account until 5-7 business days after the event. I was confirmed by the rep. that chase will handle it, I was credit the XXXX that I used to make the purchase. 
On XX/XX/XXXX I received a chargeback with about XXXX additional fees and return payment from chase bank. The are not getting my funds back from the merchant. I was assumed that my money will be protected and its not. I am being bully by a corporate

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The concerns you had available, do not fall into my complaint. You should have had an other category. Anyway my complaint is against the policies of PNC Bank. The Feds have increased interest rates several times. PNC has increased interest rates on loans, mortgages, etc. However, savings customers have not received any raises at all from them. Around XX/XX/2022, I spoke to a teller at my local branch about the interest rates, and he gave me a telephone number to callXXXX. I called about XX/XX/XXXX, XXXX and a rude woman informed me that PNC doesn't ever have to raise interest rates ; nor do they have any plans to do so. This is outrageous and should not be allowed. XXXX folks depend on interest rates to help pay for meds and other basic needs. Money is provided to a banking institution for their use and investors should be treated fairly, not be ignored or financially abused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: DISCOVER BANK
State: FL

Complaint narrative:
in accordance with the fair act credit reporting act XXXX account # XXXX, has violated my rights. 

15 use 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: IN

Complaint narrative:
I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : DEPT OF ED/XXXX XXXXXXXX US DEPT OF EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was a XXXX XXXX and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : DEPT OF ED/XXXX XXXXXXXX US DEPT OF EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-09-09 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: TN

Complaint narrative:
My name is XXXX XXXX. It has come to my stention that although I have written several letters asking for validation of debt and audit trails, i am not getting any response because of the automated system thats in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm the three credit reporting agencies have done to me. 

DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX. Account number XXXX on XXXX XXXX XXXXXXXX XXXX account number XXXX on XXXXXXXX XXXX XXXX XXXX, account number XXXX on XXXX XXXX XXXXXXXX XXXX account number XXXX on XXXXXXXX XXXX XXXX XXXX account number XXXX on transunion XXXXXXXX XXXX hard inquires on transunion dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX billing code error : 15 USC 1666

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX. Account name : XXXX XXXXXXXX XXXX Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. XXXX. Account name : XXXX XXXXXXXX XXXX Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: CarMax, Inc.
State: FL

Complaint narrative:
in accordance with the fair act credit reporting act XXXX account # XXXX, has violated my rights. 

15 use 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
in accordance with the fair act credit reporting act XXXX account # XXXX, has violated my rights. 

15 use 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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:
XXXX collections for XXXX XXXX is a fraudulent account on my credit reports that gas been disputed and a identity theft report filed. Along with a police report submitted to credit reporting bureaus. Please assist in removing this account. Transunion closing dispute without reinvestigation and removing fraudulent 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 non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted Edfinancial to refund several payments I had paid off after XX/XX/XXXX, under the CARES act. I was told at the time the processing time would be 60 days. 

I called again in early XXXX just to verify my ticket was still submitted since I had not received any email or any confirmation of my request. 

I called again today on XXXX XXXX, XXXX and they are now telling me the time is likely more than 150 days for processing and then more for the refund. 

I understand the influx of calls and requests but even other servicers post Biden 's announcement are making refunds much quicker. 

I have graduate school federal loans and am eligible for XXXX in forgiveness. Edfinancial is the ONLY student loan provider who seems to be very nebulous with their response regarding how soon this refund will be processed. Other services like XXXX and XXXX seem to be taking days to weeks if even and some of my colleagues whose loans are serviced with these companies are seeing refunds extremely quick. I was told that the loan balances won't be reinstated until the refund is processed which now they make it seems like won't even be until XXXX at the earliest. I am worried because the application for forgiveness starts in XXXX and Edfinancial won't have any of these applications processed in time for us to get forgiveness. I was told via the phone that all I can do is wait and that verbally all they can do is let me know they submitted the request. I understand the influx of calls to get our money back is probably very overwhelming to the system but it's concerning that this can take up to 6 months when every other provider seems to be having a quicker turnaround time despite having thousands of requests. Getting this money back could be lifechanging for me. It is just extremely upsetting that other loan providers are restating balances within days to weeks while this company is telling me to sit back and wait. I have also been given mixed messages regarding whether the money will come back to me in form of check or electronically even though I paid via e-check. 

I am also upset as I just received a letter from them saying that my data was leaked in a massive data breach.

Company response to consumer: Closed with explanation