vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AK

Complaint narrative:
Penny Mac marketing and sales tactics are misleading to consumers. 

In the fall of XXXX, I started working with one of Penny Mac 's most Senior Mortgage Loan Officer on my home refinance. XXXX critical items I was interested in during the refinance were their rates and the ability to make bi-weekly payments. 

The Senior Mortgage Loan Officer assured me Penny Mac allowed bi-weekly payments and that there was no prepayment penalty. 

After my loan closed in XXXX of XXXX, I immediately started making bi-weekly payments. I later discovered all of my payment were being applied as principle only and was incurring late charges. Nothing on the check directed principle only payments. 

I tried to resolve this with Penny Mac who claims they offer a bi-weekly payment service as part of their AutoPay payment service. The words bi-weekly " payment '' was used by the Senior Loan Officer and their complaint specialist. This is misleading to educated consumers. 

Payment as defined by XXXX defines payment as : The fulfillment of a promise ; the performance of an agreement. A delivery of money, or it's equivalent in either specific property or services, by a debtor to a creditor. 

Penny Mac doesn't actually offer a bi-weekly payment plan. They offer a bi-weekly " plan ''. Penny Mac actually holds the bi-weekly payment until the entire mortgage payment amount if received. Holding a payment isn't a payment. I'd like to repeat this point ; holding a customer 's payment isn't a payment. 

The benefits of making bi-weekly payments are erased by this " misleading '' bi-weekly payment process they advertise. I'm aware that Penny Mac is in the business of making profit and certainly not in the business of helping consumers pay off their loans quicker. However, misleading consumers otherwise needs to be stopped. 

Penny Mac treats the " payment '' as less than the full payment. And Penny Mac hold this money until the full " payment '' is received by Penny Mac. Once the full payment amount is received they will then apply the payment as defined by freedictionary.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 I contacted XXXX XXXX XXXX to book a stay for my XXXX  XXXX XXXX  for the dates XXXX. They required a {$500.00} deposit payable through XXXX in which I paid. On XX/XX/2022 which was 1 week before my XXXX they text me and told me that the pipes burst and they needed to close the recovery home for a couple days and that I should start looking for another place to stay. They did not mention anything about my deposit being returned so I immediately started contacting them to see about my deposit. No one answered any of the 3 phone numbers listed on the website and XXXX  page. I sent text messages, emails and tried calling them and got no response. They even blocked me on their social media page because I was asking questions about my deposit being returned. Any messages I posted on their page they would delete. It turns out the the facility got shut down by the state because they were operating without a license. I have proof that thats the real reason XXXX  got shut down. Being that i made the payment through my back to XXXX i have contacted Chase back a couple times trying to get help from them telling them that the recovery house scammed me and and just do t want to help me. They didnt even file a claim for me because it has to do with XXXX XXXX I have been a chase customer for over 10 years and this is unfair to me. XXXX didnt help me either saying they dont have access to my banking information. No one wants to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted TransUnion making them aware that they are reporting inaccurate information on my credit file my public records. So I asked them to do an investigation they satiated they would not block my records due to identity theft or inaccurate information reporting. They stated that they verified the information pertaining to two bankruptcys on my public record, and they the US BANKRUPTCY COURT VERIFIED THIS INFORMATION WITH THEM WHICH WAS NOT TRUE. SO I CONTACTED THE BANKRUPTCY COURT AND THE MANAGER STATED TO ME THAT THEY GIVE KNOW INFORMATION TO CREDIT REPORTING AGENCIES. THEN WENT ON TO STATE THST HE WOULD RESEARCH AND SEND ME A VERIFICATION LETTER WHICH WAS DONE THEY HAVE NO BANKRUPTCY REPORTING IN THEIR DATABASE FOR ME.

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 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today I got an email from XXXX that a transfer of {$790.00} was sent to " XXXX XXXX '' in XXXX, XXXX. I use this account to send money to my family in the XXXX. I have no affiliation with this person at all. 

I looked at the transaction and did some digging on this person. I found that this person is a software developer at Capital One. I happened to be using a similar password for my Capital One account and my XXXX account and my Capital One credit card is connected to my XXXX account! I have now removed it!! 

You should look into the activities of this Capital One employee. He may be using Capital One user account information to get into other site accounts like XXXX to send money to himself!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I did not authorize nor consent to the following collection account being furnished to all major reporting agencies on my consumer reports : NCB MANAGEMENT SERVICES, INC. I also did not authorize nor consent to the following collection account to collect a debt and harass me by continuously calling my phone, mostly when I am working : NCB MANAGEMENT SERVICES, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX 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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a letter from XXXX stating I had a XXXX XXXX score, which is different than my credit score, and that because of this score I needed a deposit. I've never been asked for a deposit ever and I'm XXXX. In their letter it said I could go to Experian online and get the information or call Experian to find out about my XXXX XXXX score. I have gone online but it only asks about my credit score. I have called and it does the same thing. I have called repeatedly and asked for a representative and it keeps the same prompts and finally disconnects me. 

In the letter is specifically says " the XXXX XXXX score is a risk assessment score is different from your XXXX XXXX XXXX. '' As a business owner of an insurance agency, I'm very familiar with " risk scores. '' The fact that I have made multiple attempts to get this information online ( where directed ) or by phone ( again, where directed ) and can not get either seems deliberate. I am a responsible consumer that tries to make sure my credit is excellent and to receive a letter like this but not be able to get the answers is frustrating and feels deceptive.

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 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST
State: NM

Complaint narrative:
On XX/XX/2022, I went to deposit a state rebate check issued to me. As I utilized the drive through to make the deposit, the manager from that branch was handling my deposit. He refused to cash my check because the check was under my married name. When I let him know that my valid ID has my married name, he refused and stated that its not valid. He would only cash it if I gave him my marriage certificate. He refused to let me show him my military ID with my maiden name on it. And he was being very rude to me from the start. So that same day I called the bank and filed a complaint. And today, XX/XX/2022, I received a letter in the mail from him saying that hes closing my account at that bank. I feel like he is retaliating against me and from the start on XX/XX/2022, I was being discriminated against by him. I had to deposit my check via the app and it went through no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
In XX/XX/2022, Citizens Bank purchased XXXX bank accounts. On receiving this news, I removed all my balances from XXXX and opened a new account at XXXX XXXX. 

Unknown to me, all my accounts were transferred to Citizens Bank. Also unknown to me, there was overdraft protection and line of credit account opened for me at Citizens bank WITHOUT my consent or knowledge. 

A few months later in XXXX, I get a text from citizens collections department that I owe them money. I call XXXX bank and they tell me that i have an account that is in overdraft ( to my shock, since I don't even have a citizens debit card ). 

I learned that my XXXX account link to my XXXX was automatically changed to Citizens Bank ( again without my knowledge or consent ). Every time I was using XXXX- this was going from a line of credit, without my knowledge. 

Upon learning this, I transferred a total of {$610.00} to Citizens which I thought covered my balances based on their online banking user interface. Then I asked to close the account, but I was told the funds hadn't arrived yet. I have since transferred another {$950.00}, trying to balance this account. 

A few weeks later, I get another call from citizens credit department ; again for me this is a surprise because I thought I cleared my balance. I told the citizens representative that when I log in, the balance says XXXX, but I was told that I have to download the statements, scroll to the back, and that's where I will see the balance. And to pay it off, I have to transfer money then call them! How difficult it is to just pay them! 

Ultimately, this month I went to get a credit report, and this brought my credit report from XXXX to below 600, requiring me to have XXXX insurance, costing thousands of dollars. 

In addition I was charged {$570.00} in fees! {$37.00} each time- when I absolutely did not want this account or was aware that this was happening. 

All along citizens doesn't have a branch in XXXX XXXX where I live and I just felt so helpless being passed around from call center person to call center person. One person even said she can't verify my identity and full stop offered no options short of purchasing a flight to XXXX XXXX and walking into a branch. 

This has been emotionally and financially draining, and most importantly severely impacted my otherwise very good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Auto Trakk, LLC
State: VA

Complaint narrative:
The company auto track is incorrectly filing information to the credit bureaus to try to stay on my credit file longer than they should be. I have went to court for this case and the court document show that I owe them nothing. The company actually put invalid information on my car so that my loan amount can be bigger than what the actual car is worth I had a base model vehicle and they made it a top line to sell it for more. This has been settled through two of the three credit bureaus and staying stuck on one because they are providing false information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
I didn't give permission to these accounts to publish my information to TransUnion, XXXX and XXXX. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX  XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank 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 2022-07-21 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:
received two un solicited inquiries through Experian one from XXXX XXXX  in XXXX XXXX, ME nd one from XXXX XXXX XXXX in XXXX XXXX TX on XX/XX/2022. Reported incident to Experian nd fraud alert they issued a dispute notice and placed a fraud alert on my credit report. I did not see any unsolicited activity as of XX/XX/XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: SC

Complaint narrative:
Through the XXXX website, I applied for a loan with Avant. The offer on the website said I was pre-approved for {$35000.00}. Their website claims that the loans are processed within 24 hours. I submitted all the necessary documentation and they pulled a hard credit check on me. And then nothing. I called customer support and they read me the same speech. 

I asked multiple times if I submitted all the proper documentation. I was told that I had. The speech always included that they try to approve within 24 hours. My file was being reviewed. 

I applied on Friday, XX/XX/2022. It is now Thursday, XX/XX/2022. Because of their unfair and deceptive practices, I am no longer eligible for the other loan offer with another company. Their hard credit pull hurt my credit rating. It has been an humiliating experience. Their actions have been detrimental to my finances. I consider their actions abusive. 

If I wasn't really pre-approved, they should have just told me. We should not be almost a week out and I still do not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: AL

Complaint narrative:
My wallet stolen was stolen and my I have experienced identity theft. Someone used my information to make a fraudulent inquiry. I would like the inquiry to be removed off of my credit report. The inquiry is XXXX XXXX XX/XX/2021 XX/XX/2021

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 2022-07-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have 3 negative inquiries that have violated my rights the name follows as XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 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 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 explanation