vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am being taken advantage of as a consumer by Chexsystem. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.

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 2024-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
I have been receiving telephone calls harassiing about a debt that is not mine. Now I am receiving letters. On XX/XX/XXXX, I received a collection account on my XXXX, XXXX, and XXXX Credit Bureau Reports from I.Q. Data International XXXX Inc.. I disputed the collection account and I mailed a copy of the Identity Theft to each of the above mentioned credit bureaus. XX/XX/XXXX, I received a letter I.Q. Data International , Inc requesting my ID, proof of Identity, police report, Identity Theft etc. ( see attached letter ) I give the proper documents to the credit bureaus. I believe that this is illegal for this company to place a collection on my credit reports, and to request my personal information that I give to the credit bureaus. It is illegal to place a collection account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TX

Complaint narrative:
I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX  XXXX Balance XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We have mortgage with PennyMac. We closedwith builder 's Lender in XX/XX/XXXX, our mortgage was sold to PennyMac before we made our first payment. Our 1st mortgage payment was due on XX/XX/XXXX. Since that date we have been making our mortgage payment on biweekly schedule. It is been three years with PennyMac. Our mortgage payment included PITI ( principal, interest, homeowners insurance, property taxes and Mud taxes ) all have being collectedin escrow Since day one with PennyMac. 

PennyMac never collected enough funds to cover our escrow. They ran escrow analysis before our taxes and HOI become due for all three years and they used wrong figures to calculate our escrow. We have talked to PennyMacafter shortening ourescrow account severely now they have double our payment which is {$1400.00} to now it is {$2700.00}. I do not work my husband does XXXX we are barely surviving.we contacted PennyMac and told them they made a mistake and it is causing us major dent in our pocket. They deprived our escrow account for three years by using wrong figures andnow they are collecting all at once. We can not make such big payments. We need legal help to avoid any kind of legal action or late payments. Please help us we are looking toresovle this matter. This is not a small escrow collection mistake it is a HUGE mistake. What can we do in this situation? PennyMac 's escrow manager and customer service manager do realize they have made a mistake they are offering to spread the shortage over 5 years but this is their mistake we are not going to be penalized in any form. Is there we can do so they can pay for the shortage? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

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 2024-01-20 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: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened a Wells Fargo bank account on XX/XX/XXXX, had my XXXX XXXX  transfer on mobile apps, XXXX dollars. The same day I canceled that transaction. Through XXXX XXXX. On XX/XX/XXXX, XXXX Bank didnt stop the transfer and got the XXXX dollars from my account. On XXXX Called Wells Fargo, was told the money would be returned in 2-3 days.on XXXX spoke to a man called XXXX and he gave me a claim number, as I found out that claim never existedXXXX a new claim filed. I have a claims rep, who said my money was missing, it was layed up somewhere I forgot. As of today numouse phones calls looking for my money, told many different things. Wells Fargo gave me a ACH tracking number, she asked me to XXXX  XXXX  to see if they could track the number. As of today Calling XXXX  they can not find any tracking number of the sort. And again since this started was told no refund coming into XXXX XXXX. I have called and called XXXX at Wells Fargo all I get is the back office sent it to XXXX XXXX. On XX/XX/XXXX Wells Fargo had put in XXXX, into my Wells Fargo Account. If you can believe this, 2 hours later it was gone out of my Wells Fargo Account. To this day Wells Fargo has given me a hard time, Ive pleaded with XXXX cried in years looking for my money to be returned. Theyve taken my money 3 times away from me. 1 from XXXX XXXX, 3 from the Wells Fargo bank account. I have no money, at all at this point. This XXXX XXXX From Wells Fargo, and the bank manager spoke today, verifying no money came in from Wells Fargo. I feel this is theft at this point. Im ready to file a police report. On Wells Fargo Bank. I feel this point they should be giving me my original money, extra for the hardship its causing me. They provide me with XXXX for all this. At this point they should be paying me more. I need XXXX  XXXX, had to get to that done, my cars broken have no money to get it fixed. Theres no food nothing in my home. Nothing. I told XXXX XXXX at XXXX Bank that they have me broken physically and emotionally. I suffer with XXXX XXXX since XXXX. This is making me needing to go to XXXX XXXX  To get help I am in crisis, and Wells Fargo just dont care. I need money. Please help me. I have spent days and hours with the bank manager  at XXXX XXXX  helping me since XX/XX/XXXX, we have spent hours dealing with Well Fargo bank. As of today XXXX XXXX  told me they dont know what kind of game they are playing, but this matter is cut and dry. They told me it looks like Im taking a loss of XXXX dollars. 
Thank you 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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX and Experian continues to report inaccurate information. My only name is XXXX XXXX. There should be no other names listed. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other address is incorrect and you do NOT have my consent to report. This is my character that you are damaging and you are subject to federal penalties for further inaccuracy. Take note of this notice XX/XX/year>!

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 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
2012 had to end up filing bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent your company a letter on XX/XX/XXXX to request that you please include the additional information attached to my credit history report. As of yet, the account has not been added and I have not received a response. I am an authorized user on a XXXX XXXX card for my family member and you are not reporting this information. XXXX and XXXX are already reporting this account. You may verify this information with the source, and I have included their contact details. Please see the referenced account below and see the attached dispute letter dated and time stamped and add the following account to my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Authorized user Credit limit {$30000.00} Open date XX/XX/XXXX Contact XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are accounts on my credit report that doesnt belong to 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 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My ex husband fraudulently used my social security to obtain a loan from XXXX ENDING in XXXX act # XXXX I did not authorize this loan or co sign. I would like this matter removed from my credit report including all late payments, collection account from XXXX and XXXX XXXX XXXX XXXX removed from my credit report. I was recently made aware when I recently pulled my credit and was Denied a loan.

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 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
The company LVNV FUNDING LLC has attempted to collect a debt. I have never done business with this company. I have made attempts to have the account removed from my credit report and it has not been removed and is negativing impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

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 explanation
Consumer complaint received 2024-01-20 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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.

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX USED XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2024-01-20 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: MN

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX. I am not sure if youd need my SS but its XXXX. 

Me and my wife are in the process of buying a house. A loan officer said I have a student loan that is paid off but is showing up on my credit report as open. The company that was used to pull my credit was Experian. 

I have been trying to talk to creat an account on their website to get a credit report but an error screen keeps popping up on their website. I have tried calling support for the last three days. The one time I actually got ahold of an actual person my account got frozen and the specialist told me to call in 72 hours. 

I have been trying to get an actual live person to talk to for an 1.5 hours but am having no luck. 

I am hoping that someone can get that paid off student loan off of my credit report, so it can help me and my wife get a new house. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
Please, before reading this complaint, refer to my previous complaints : XXXX and XXXX. 
Yesterday, XX/XX/XXXX, the sum of {$720.00} with XXXX ID # XXXX and the XXXX XXXX processing fee of {$120.00} was debited ( stolen ) from my XXXX XXXX checking account. When I called XXXX XXXX  they informed me that this belongs to a garnishment imposed by Second Round LLC. This company on XX/XX/XXXX sent me a Notice of Garnishment Dismissal ( See attached letter ) stating that they voluntarily dismissed the garnishment. After that I have not received any new communication from Second round LLC or its attorney so I assume nothing has changed. The money charged is NOT even earned income because I am unemployed. ( please read my previous complaints for a better understanding ). The account was overdrawn once again and I don't understand why my bank admits making these types of charges without the authorization of me as a customer. 
I repeat, I have not received any new communication from Second Round LLC or its attorney. 

I'm attaching the response from Second Round to my last complaint and the solution I received by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: PA

Complaint narrative:
My daughter and I have had nothing but trouble with Discover Private Student Loans. First, when I complained about them charging me interest rates for a variable account at over 14 %, I called and said I only have fixed-rate loans. They said I didn't and perhaps my daughter agreed to one. She did not. I asked for proof. They said I needed a lawyer to write a letter. I got a lawyer to write a letter. They responded with a threatening letter and said that if I wanted information I would have to pay {$36.00}. I paid the money and they sent one page with everything cross out in black and zero information. I asked the lawyer to write a second letter saying that I would need access to the audio account in which I agreed to a variable loan. They refused and threatened me again. 

In addition to this, Discover entered into a long list of predatory practices. They intimidated and gave false information and and offered zero payment plans. One call told me that we were not eligible for a .5 % discount for auto withdrawal while another call to an agent in a different city commented that they could not understand why I was told that. 

The worst were the people in the XXXX XXXX office who I tended to get when I called. One time they " accidentallty '' applied my payment to the wrong loan which would have had us in a charge out. 

My daughter is very smart and she talked to a person who told me that if she didn't pay her loan for XXXX  days, then she could get a loan amount of about {$500.00} per month instead of {$850.00}. She told me she had it handled and I was contacted when it was about to charge off. 

The XXXX XXXX XXXX office was very predatory. I would call for a simple thing, like to change the dates of my direct payment to match with paydays. They would tell me to call back at a specific time the next day. They insisted that they couldn't tell me any information as I am the cosigner. There were so many lies and so many times that I got a different story from a different agent. Once when I was told, " I don't know who would have told you that, '', they suggested a name. I called that office so often that I knew that guy was out on paternity leave. I have pages of notes. This company is horrible. They are predatory and can not be trusted. I am currently in the process of filing for bankruptcy, largely due to being unable to support myself due to this loan. My daughter does not have any credit card debt, but she is also prepared to file bankruptcy if needed. 

We were both traumatized by these people. They had her in tears and told her things that were different than they told me. Finally, I did not allow any calls to them without us both on the line and they commented that they really needed to talk to use separately.

Company response to consumer: Closed with non-monetary relief