vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had a home equity loan. I paid it through my PNC online portal, and it showed the interest and the principle. In XX/XX/ I paid off the amount the online portal said remained on the loan. The balance said XXXX. 

In XXXX I received an email saying that I'd missed a payment on the loan. I called and was told I owed {$67.00} in interest remaining and that I could pay it online. This was untrue. There was no place online where this interest showed up, and the account balance for the home equity loan showed as XXXX. 

I was told I was also being charged for closing the home equity account. But I WAS NOT closing the account, I just paid off the remaining loan. 

I was then told I needed to go to a bank. I went to XXXX branches. My main branch apparently closed - no notification. I went to the second branch and they had gotten rid of all the tellers. 

I called again in XXXX and asked them to waive the interest considering the amount of trouble I had gone to pay the interest. I was told instead that ANOTHER fee had been added but that if I paid by check they would waive the extra fee. They said they would put in my request to waive the interest and someone would call or write me back within a few days. No one reached out. 

On XXXX XXXX, I sent a check through my bank to my bank for the interest of {$67.00}. 
I then received another letter saying I owed {$170.00} - interests and fees and another {$50.00} listed as " other fee. '' I don't know what is going on with this bank. They refuse to do anything in writing and only call - and then I have no record of them giving me the wrong information, as has happened both in this situation and in the last situation regarding the credit card ( which, fyi was not resolved. ) I do not want to do things by phone. I want them in writing. 

I have been a member for more than 20 years and never had any problems until the past few years. I don't know what's going on, but they are clearly having some serious communication issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I did not give concent to any company nor reporting agency to report any payment or transactions on my credit file. 

Written Notice Per the FCRA as a federally Protected Consumer I am now opting out of any and all authorizations I the Consumer may have given you written unwritten verbal and nonverbal per 15 usc 6802.

The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. It also protects individuals by ensuring that federal agencies only collect personal information that is LEGALLY AUTHORIZED and necessary. 

Some examples of privacy violations include : *Sharing data with third parties WITHOUT AUTHORIZATION *Using customer information for purposes other than its intended use Some exceptions to the Privacy Act include : *Information FOR a CIVIL ACTION proceeding *Material reporting for INVESTIGATIVE EFFORTS related to CRIMINAL LAW enforcement. 

All listed below who are in violation * XXXX XXXX XXXX Acct # XXXX * XXXX AcctXXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX * XXXX XXXX Acct XXXX XXXX * XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX * XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX * XXXX XXXX XXXX XXXX Acct # XXXX /Acct # 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 2023-12-14 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: TX

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a 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 explanation
Consumer complaint received 2023-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I sent a letter to Experian XX/XX/. Here is my mailing tracking number XXXX ( XXXX XXXX XXXX ) to remove incorrect personal information from my credit report. 

According to 15 USC 1681, I the consumer have the right to privacy, which this agency has violated being that I did not give them written permission to include such information. Also, according to 15 USC 1681, agencies must be reporting accurate information. This information is inaccurate and i would like it to be deleted intirely.

Along with these violations, the agency has also Violated 15 USC 6802. No financial institution is supposed to share my personal information with any third parties. 

These are clear violations oof my federally protected rights and i would like them corrected immediately. Thanks so much.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/ I spoke with Equifax customer service I have purchased XXXX Equifax and XXXX accounts to keep a track my credit score online I am able to see my updated XXXX files but Equifax has an error or BLNK I was advised my credit file may be split in half I have repeatedly called Equifax and given this code as the website instructs me to do I am told someone will reach back out no one has contacted me as of date I contacted again today XX/XX/ and still not resolution I would just like to be able to pull and have my updated credit score each month as every other consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Shellpoint failed to pay year XXXX property taxes due in XXXX with my escrow funds. When I sold my property on XX/XX/XXXX, I was forced to pay XXXX taxes plus a penalty of {$810.00} on XX/XX/XXXX. I called shellpoint on the date of closing to inquire about the issue, and I was told to mail or fax documentation to shellpoint showing that I paid past due tax penalties for year XXXX in order to be reimbursed by shellpoint. After doing so, Shellpoint agreed to reimburse me for the tax penalty within 5 business days of XX/XX/XXXX. As of today, Shellpoint has failed to reimburse me, and they are non responsive.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian, I am opening a new complaint in response to closed complaint # XXXX since XXXX XXXX has sent me ( 2 ) letters validating my account information which confirms that the account # 's listed on my credit report are incorrect and should be removed. 

I've attached a letter to fully explain my new complaint and what would be a fair resolution.

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 2023-12-14 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural persn and a 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 explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
On XX/XX/ GENESIS CREDIT MANAG added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA GENESIS CREDIT MANAG has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: FL

Complaint narrative:
I am writing to address a matter of utmost concern regarding an alleged debt collection activity initiated by the General Revenue Corporation ( hereinafter referred to as " GRC '' ) approximately XXXX months ago. The purpose of this complaint is to underscore what I perceive to be a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ). 

During the aforementioned time frame, I was contacted by a representative of GRC via telephone. The purpose of this communication was to request payment for an alleged outstanding balance associated with XXXX XXXX. At that time, I took the opportunity to clarify my stance on the matter. I explained to the female representative on the phone that I had previously disputed the balance in question directly with XXXX XXXX. I emphasized that, according to the terms of my XXXX loans, it was XXXX XXXX XXXX responsibility to address and manage any financial obligations on my behalf. To my astonishment, my sincere explanation was met with a sarcastic comment from the GRC representative, which I found to be highly unprofessional and discourteous. 

Furthermore, during this telephone conversation, I explicitly requested that GRC provide me with all pertinent documentation pertaining to this alleged debt in writing, as mandated by the Fair Debt Collection Practices Act. According to this legislation, debt collectors are obligated to furnish a written debt validation notice within five days of their initial contact with a debtor. This notice should include crucial information such as the amount owed, the name of the creditor, and instructions on how to dispute the debt in writing. Regrettably, I have not received any such documentation from GRC despite my repeated requests. 

To compound these concerns, I have recently discovered that GRC has reported this disputed debt to a credit bureau. This action has had a detrimental impact on my creditworthiness and financial standing. This act, coupled with the aforementioned issues, demonstrates a disregard for both ethical debt collection practices and the legal obligations outlined in the FDCPA. 

I am deeply disappointed by the unprofessional conduct exhibited by GRC during our interactions and the apparent disregard for the FDCPA regulations that are in place to protect consumers. Therefore, I kindly request that GRC immediately cease all collection activities related to this alleged debt and rectify any negative reporting made to credit bureaus. I understand that GRC will try AFTER this complaint to mail me the required information, but at this point, they have violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MO

Complaint narrative:
I had a U.S. Bank personal checking account. On XX/XX/2023 I transferred money into that account using an ACH transfer. After that I changed my email address for being able to use XXXX. At this point U.S. Bank closed the account and claim that the account was closed due to concerns about Fraud and they have never returned my money. I have been speaking to XXXX at the XXXX XXXX XXXX in XXXX XXXX, MO, ( Tel : XXXX ) and all she can tell me is that the account was closed by the company and she can not tell me exactly why the account was closed and when I can get my money back. I have repeatedly asked to speak to a supervisor or someone else who can escalate this matter, but I have been consistently stonewalled. I have asked to be able to have email communication with someone and even that request has been denied. She can not even send me a letter detailing the concerns and the way to resolve them. 
It is now almost XXXX months and I am out of ideas as to how to get my money back.

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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Despite multiple CFPB complaints citing REAL laws, cease and desist orders, and identity theft reports, This company continues to email me and send me mail for a debt that is NOT MINE. I have proven per previous complains that the debt is not mine and that they are in violation of my rights as a consumer. The accounts are to be removed immediately and i want restitution for the damaged caused to my credit, being in non-compliance, and for the mental and financial stress this has put on myself and my family. My home currently has no heat and i have XXXX kids to take care of because i am unable to access credit that is rightfully mine thanks to the inaccurate reporting and NON-COMPLIANCE of this company. Negligence of the law is no excuse for your actions. Find the previous CFPB complaints. I'm not doing any more of your work for you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In 2011 we were given an offer to redo our loan so we could afford the payments. They did not XXXX or that, took back the offer and we had to go bankrupt and short sell the house.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for an Amazon advertised " Cash Back '' Chase Credit Card with an incentive of a gift {$100.00} dollar Amazon debit card. I put that Chase Credit Card in a wallet and placed it in my bureau. ( I was using my XXXXXXXX XXXX  " cash back '' credit card at the time. ) That was back in XXXX, 2023. 

Today, XX/XX/2023, I opened what turned out to be a Chase Credit Card Statement indicating a balance of {$320.00} for this subject credit card : XXXX XXXX XXXX XXXX ( A credit card I never volitionally used ... Attached below will be the Chase Statements I can upload. ) This credit card is supposedly cancelled. 

What occurred is that this credit card dropped to my Amazon.com account and was automatically assigned as my " Default Payment ''. My next XXXX sequential Amazon Transactions ( Uploaded Below ) were as follows : XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$9.00} XX/XX/XXXX : {$29.00} and XX/XX/XXXX : {$25.00} ( This item was an Amazon gift card " reload ''. It is not something I would charge to a credit card. ) The aggregate authorized purchases were for {$74.00}, however I never authorized any of those purchases to be applied to the Chase Credit Card. What occurred is that in the " Joint Venture '' between Chase Credit and Amazon ( chase.com/amazon ) is that Amazon modified my Payment Defaults and placed this Chase Card as my Payment Method. ( It is my personal account information with billing and shipping addresses, telephone numbers and payment preferences. Yet Amazon entered my private account and took control of my account payment options without knowledge to me. I had no idea those four minor purchases had gone unpaid and were accruing Penalties and Interest with Chase Credit. ) I called Chase Credit and offered to pay the principal but Chase insisted I play the full amount of penalty charges. I called Amazon asked them to intervene and they told me they were powerless to influence the Credit Card issue with Chase. ( Attached below is Amazon 's email to me. ) It is incredulous that these two entities can form an alliance like this, modify my purchase selections and then purport to be powerless to do anything except collect the Penalties and Interest that I had no knowledge I was incurring. It is fraudulent on both of their parts. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2023 I requested a number of inquiries that were not authorized by myself and have recollection of to be removed from my credit profile and XXXX and Equifax have not been able to provide proof of validity nor have they removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: VA

Complaint narrative:
XXXX. I been on the phone holding for XXXX hours and then today XX/XX/XXXX over XXXX hours trying to talk with someone in the credit department at XXXX. I was told that XXXX had my XXXX  loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that XXXX are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan XXXX loan people ( XXXX who transfer or sold my loan to XXXX ) to get it resolved bc it is XXXX mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: VA

Complaint narrative:
XXXX. I been on the phone holding for XXXX hours and then today XX/XX/XXXX over XXXX hours trying to talk with someone in the credit department at XXXX. I was told that XXXX  had my XXXX loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that XXXX are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan XXXX loan people ( XXXX who transfer or sold my loan to XXXX ) to get it resolved bc it is XXXX mistake.

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 2023-12-14 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: FL

Complaint narrative:
XXXX XXXX in XXXX XXXX Florida i went to bank they said account does not exist giving me no opportunity to work this out to remove from 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