vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
The co-borrower and I have requested in 2 separate official occurrences to have escrow payments removed per being under 80 % LTV on the property. We have been denied twice, elevated to some level of management per the last submittal to remove escrow ( for a 3rd attempt, recently denied ). The first occurrence was denied due to not having an in-house appraisal on file ... This was erroneous as they just ordered an in-house appraisal to remove PMI insurance due to being under their requirement of 80 % LTV. Which was approved in XXXX of XXXX. The in-house appraisal order by PennyMac had a confirmed appraised value $ XXXX, currently mortgage balance of {$150000.00}, subsequently placing current LTV at 66.8 %. Thus, we submitted again ( 2 attempt ) to be denied again and elevated to management per our request as stated in the aforementioned for the 3rd review. We then were denied essentially a 3rd time as it was conveyed because the mortgage is deemed an investor mortgage and as a result, the original purchased price ( $ XXXX ) has to be used. Current LTV would then be placed at 85.9 % based on using the original purchase price. Hence, per their opinion, the mortgage and home value ( original purchase price of $ XXXX ) would not result in the removal of escrow payments, given the LTV guideline to remove escrow payments related to the perpetual requirement of paying one 's required real estate taxes for the borrower has not been met. My concern is their policy is not congruent with previous policy requirements. As they used the new appraised value to remove PMI but not for escrow. Certainly, feels egregious and not client friendly nor consist with one 's own policy, PennyMac 's policy to be clear ; to assess and opine on a tangible market value across their portfolio for various mark to market requirements/governance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
There are several items on my credit report that are either incorrect, out of date or just wrong that I want removed from my credit report.  Please see the items below:

Personal Information
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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX 15 USC 1681 Section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ), States that 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 or crimes which antedates the report by more than seven years.

15 USC 1681e-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer relating toto a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

These innaccuracies are preventing me from obtaining credit and other esstenial needs to provide for my family and I.

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 2023-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Please see attached identity theft report which states further detail in regard to the fraudulent account published on my credit profile without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I sent the letter of validation of debt forms company failed to send all 4 legal documents back after 30 days of receiving the debt validation form. Therefore this collection legally needs to be removed from all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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:
In Accordance with the Fair Credit Reporting Act, XXXX  ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-09-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with FRCA, XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX  Account # XXXX I have read from FTC & CFPB if by chance consumer finds mistakes on their credit report, they have the rights to make every possible legal way to make these reports accurate. With that, being said, the above account should CLOSED. I also understand you have 30 days to complete this investigation. 

The original loan was paid in full on XXXX XX/XX/2023 and the accurate notation should reflect CLOSED ; not OPEN in the Account Condition, and PAID IN FULL, in the Remarks field. I demand these inaccuracies to be removed and updated immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
there are 4 inquires on my credit profile that i do not recognize, i have contacted transunion 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 I never attempted to get these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
there are 4 inquires on my credit profile that i do not recognize, i have contacted XXXX 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 I never attempted to get these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
there are XXXX inquires on my credit profile that i do not recognize, i have contacted transunion 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  I never attempted to get these accounts.

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 2023-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I was in the market for a used truck for my daughter. I went to XXXX 's XXXX  in XXXX XXXX, MD and wanted to purchase a XXXX XXXX XXXX. The blue book value of the vehicle was {$16000.00}. At the time, her nor I had alot of debt. My credit score was over XXXX and hers was as well due to her being a college student. I was told by the dealership that the vehicle would be {$22000.00}. However, the principal balance on the online account is showing as {$28000.00}. This would mean I was charged an additional {$12000.00} over what the value of the car was. Also, I was looking through my paperwork and noticed that I was never given a Bill of Sale for the vehicle. I reached out to the dealership and have not received a response after several attempts. 

I was fired from my employer XX/XX/XXXX and I fell behind on payments. I called XXXX XXXX and they told me there was nothing they could do to work with me. 

Currently I am on a payment arrangement where I have been paying {$450.00} bi weekly. As of XX/XX/XXXX, I have made the following payments : XX/XX/XXXX, XXXX {$370.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} The total I have paid since XX/XX/XXXX is {$4000.00} however, XXXX XXXX is still reporting on my Credit Report that my account is XXXX to XXXX  days late. How is it being reported as such when they put me on this payment arrangement. Now when I go on my account, its not showing the balance due.

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 2023-09-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In Accordance with the fair credit reporting act XXXX Account number XXXX has violated my rights. 

15 U S C 1681 Section 602 A states I have the right to privacy.

15 U S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a letter stating that I put a stop payment on an account from XX/XX/XXXX to XX/XX/XXXX. That was in my name I didn't open a account with BofA till XXXX so someone at that bank had an account open and was withdrawing money without my consent I have a letter stating that is from BofA. Then XXXXne of the bank representatives told me about consequential harm and damages I knew nothing of this untill she said

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 2023-09-17 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely and caused an immense amount of stress due to being denied credit for obtaining a vehicle.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

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 2023-09-17 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: EQUIFAX, INC.
State: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely and caused an immense amount of stress due to being denied credit for obtaining a vehicle.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XXXX I submitted a compliant with the CFPB on Discover Card for them denying me credit with their company because on XXXX I submitted an application for a credit card. About XXXX to 1XXXX XXXX later I received an adverse action letter that was dated XXXX with the denial reason listed as : STATUS OF EXISTING/ PRIOR DISCOVER CARD ACCOUNT. Discover failed to give a reason of understanding for the adverse action letter, and may have committed fraud because in there response to the XXXX complaint they mailed to me a separate reason that stated about an prior account that I had with them back in XXXX of 2018 when the account was closed due to the following reasons : TIME SINCE UNSECURED LOAN OPENED , % OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON REVOLVING ACCOUNTS, LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED. The previous account never carried a negative history and I'm not understanding what the previous account being closed for the reasons above have to do with me applying for a new credit card especially given the fact that my credit profile has changed from XXXX of XXXX  until now, I never was in collections with Discover and the card had a XXXX balance. When I called XXXX at the XXXX XXXX XXXX XXXX XXXX and left a message for her to explain the reasoning, I never got a response back from her office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Someone from XXXX and XXXX called my son and ex-daughter in law and left voice messages referencing case # XXXX stating they needed to get in contact with me or my attorney or legal action would be taken. I blocked my number and called the number and was told that they were collecting for Wells Fargo for a XXXX  unpaid purchase of a {$36000.00} vehicle. The address they had for the so called loan was not mine in 2006. They had the last XXXX digits of my social, my current address, and name of previous marriage. They told me they had sent a letter offering me a chance to pay $ XXXX to settle the debt. I did not verify my current address and told them I had never received any correspondence from them. I have never purchased a vehicle from Wells Fargo and the name they said the loan was in in XXXX  was not mine at the time. I asked what kind of vehicle it was and they couldn't tell me. They said they would further investigate. I told them they should have done that first. I ended the call by hanging up.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
COMPANY TRANS UNION THAT WAS BUILT ON SLAVERY, HAS VIOLATED MY CONSUMER RIGHTS. THERE IS A FRAUDULENT ACCOUNT THAT WAS DISPUTED AND REMOVED IN THE PAST BACK ON MY CREDIT PROFILE. XXXX XXXX XXXX. XXXX XXXX XXXX WAS DISPUTED BEFORE IN THE PAST AND REMOVED. WHY HAS THIS FRAUDULENT ACCOUNT REAPPEARED BACK ON BY CREDIT PROFILE? COMPANY TRANS UNION ONCE AGAIN HAS VIOLATED LEGAL CONSUMER LAW 42 US CODE 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER. I HAVE SENT COMPANY TRANS UNION LETTERS TO REMOVE THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IS MY RIGHT. THIS ( 15 US CODE 1681 e ( b ) - MAXIMUM ACCURACY AND 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ). WHAT PERMISSIBLE PURPOSE DOES THIS COMPANY THAT WAS BUILT ON SLAVERY HAVE BY NOT HONORING MY REQUEST TO REMOVE SENSITIVE INFORMATION OFF OF MY CREDIT PROFILE? PLEASE CORRECT ALL ERRORS

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