vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I'm getting mixed messages about my insurance. I got a letter saying my flood insurance needed updating because PennyMac didn't have the new info, even though my dashboard says it's active. I sent the updates, but got an email saying it couldn't be processed. 

When I called, they said I need more flood insurance, but my dashboard says it's enough. The rep may have misunderstood, and they don't have time to check. I emailed PennyMac, and they said my insurance is fine, but then I got two letters on the same day - one saying we won't get lender placed coverage and another saying we will.. 

One PennyMac rep that I spoke with took the amount of coverage for our entire complex and simply divided it by the number of units. Since our building has more units, because there are more units in this building, there is more coverage for our particular building which is shown on the recent documentation that I uploaded. I sent this information in through the PennyMac website and I also sent a message requesting further information. They did not provide the information nor do any research, but simply instructed me to call the XXXX number which I have already done several times each time speaking to someone different who tells me something different. They quickly just look at the screen so they can quickly get me off of the phone. I just need someone to take the time to research this correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 of crimes which antedates the report by more than seven years.

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 2024-03-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States : 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 of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX  ) 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 non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Please see attached XXXX pages of evidence and documentation to Bank of America in regards to XXXX Bank of America submitted XXXX pages of evidence and spoke to several supervisors in the fraud /billing disputes departments about evidence to include a stolen UPS XXXX number and my XXXX Account was hacked and compromised on XX/XX/2023. 

XXXX Dispute turned into a billing dispute/denied provisional credit {$4600.00} -Submitted evidence from phone records, reporting the incident unauthorized transaction to XXXX and BOA in which XXXX blatantly refused to investigate or refund the unauthorized transaction before hacker uploaded stolen tUPS tracking # which later shows delivered to XXXX XXXX who is not me. XXXX and BOA refused to investigate XXXX tracking # and BOA refusing to take action against XXXX by refunding the disputed amount {$4600.00} Spoke to several supervisors at BOA XXXX and XXXX XXXX under my claim # Spoke to XXXX XXXX and was promised a refund, customer service several times see phone records when I called in. 





XXXX BOA # Billing/Fraud dispute department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas, 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 monetary relief
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
Privacy Act of 1974 A charge off is considered a XXXX of XXXX which means it is income and must be removed! 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given you written, unwritten, verbal and nonverbal per XXXX XXXX XXXX Effective Immediately and Indefinitely

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 2024-03-04 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identitfy theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and i XXXX have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-03-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identitfy theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and i XXXX have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank informed me last XX/XX/XXXX about a court judgment they were given by a collection agency. The bank sent me an ( internal message ) email that they had frozen myChecking and Savings Account because of the court order. Based on the information I researched, out of state court judgment should be filed locally in my home state ( California ) before it can be enforced. I requested the banks legal dept. to furnish me with a home state court judgment but I was ignored. I had written them a formal request in their internal messaging system, the same way they furnished me with a copy of the court order. I didn't get a reply. I just found out today XX/XX/XXXX, that Chase had emptied both my Checking and Savings Accounts. That's all the money I've got. I'm on a fixed income from XXXX and can not afford to hire a lawyer to look into this matter if it is legally done right..Hoping you can enlighten me regarding the whole process, this way I'll know what to expect. Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
It started with a letter in the mail from a company called XXXX XXXX. They claimed that they were able to consolidate my student loans and were able to get me a lower payment. Therefore I called them and after the " paperwork '' was done I had to pay {$800.00} upfront and the monthly payment was supposed to be {$49.00} a month. All of this happened in XXXX. Then in XXXX my loan servicer contacted me and said that I had to start paying my loans, which was weird because according to XXXX XXXX I was paying them already. Then I tried to call them and of course no one answered. Then I researched a little bit and turns out that I wasn't the only one with this problem with this ilegitimate company. Then I called my bank which is Well Fargo, and they basically said that they couldn't do anything because the transactions counted as me not being satisfied with the service the company was providing. I told them that there was no service because it was a scam, and they just didn't do anything.

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 2024-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I was injured on my job and have not began to receive any benefits. It's been over a year since the injury. 
I have heard about predatory lending payday loans. Since I wasn't trying to get a payday loan, and I thought that Title Max and other companies who are predatory lenders weren't the same. I obtained the loan to take care of my needs while waiting for the workers compensation to start payments. I have borrowed up to {$8000.00}. My total income is {$2100.00} from social security and military retirement. My mortgage is {$1100.00} and the repayment on the loan is {$800.00}. I have an attorney who has requested the name and phone number for Title Max and they refuse to provide. I'm told to provide them with my attorney 's information and they would be in contact. Thay failed to contact my attorney. I am XXXX and can't afford to lose my car or my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I transferred money from my XXXX account to TD Bank in the amount of {$86000.00} according to wire instructions I had received in the process of communicating with the loan officer and Title company for the purchase of a property in TN. On the morning of the XXXX, it was discovered that the wire instructions were fraudulent. On the same morning of the wire transfer, at XXXXXXXX XXXX XXXX  ), I called XXXX and asked urgently to halt the transfer. The money was withdrawn from my account at XXXXXXXX XXXX XXXX XXXX The FBI and XXXX XXXX that my money is in " a holding account '' but that TD bank is globally unresponsive and no one can say if or when my money will be returned. XXXX has not gotten answers from TD bank either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Hello I'am Reporting Stolen XXXX XXXX XXXX XXXX XXXX  I Mail XXXX XXXX Via Registered Mail & They Received Payment/Securities On XXXX XXXX Here Is The Proof Registered Mail Number XXXX. I Also Sent A Detalied Instruction Letter Along With These Stolen Securities Stating That If This Was Not The Correct Address Or Way It Should Have Been Done To Mail The Securities Back To Me Via The Same Address It Was Sent From. It Has Been 11 Days Nothing Has Been Credited To My Account Every Time I Call They Say A Different Department Handles That. So At This Point This Company Has Cashed In My Securities For Payment A Didn't Credit My Account. It Was Mailed Out XX/XX/year> They Got It On XX/XX/year> If I Was Doin Anything Incorrect Or Not Valid The Federal United States XXXX XXXX Wouldn't Have Allowed Me To Send The Securities That They Seen An Also Round House The Stamps On It. 

The FTC Has Been Notified As Well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: ME

Complaint narrative:
15 U.S. code 6802 A financial institution may not disclose financial information to a third party umless I give consent. I.e Taking my information and giving it to someone else ( XXXX, XXXX, TransUnion ) seems to be a direct case of identity theft! 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX Act # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Act # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Last 4 digits of acct ; XXXX and 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity.

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 2024-03-04 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: CA

Complaint narrative:
I am XXXX, with a credit score of XXXX. Recently I was scouting the lending market for the trends in lending terms. I took the bait with XXXX XXXX ( XXXX XXXX  ) XXXX I applied and was flooded immediately with Sales Calls. The representative was reluctant to spit out the numbers I was looking for, e.g. FTV, APR, rates payments and terms. At one point my lack of enthusiasm to commit to a loan was met with a threat of an Adverse Action of " Unqualified '' if I do not continue with a loan. As a result, I did receive such a letter with an Adverse Action from Experian credit reporting. Is this a smack of elderly abuse, or age discrimination, or some other illegal credit reporting practices? 

n my life time, I've had a dozen mortgages. I am shocked that without my consent to the disclosures in the specific terms of a loan, I can be held hostage with an Adverse Action ( without committing to a loan. ) Where and when did I sign? How can I be " Unqualified '' when I have not even deciding on the undisclosed terms?

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 2024-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
These accounts was not authorized by me XXXX XXXX XX/XX/XXXX {$940.00} debt collection company is Jefferson Capital Systems XXXX, XXXX XX/XX/XXXX {$1700.00} debt collection company SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$720.00} XXXX this is identity fraud I filed a police with the XXXX police department XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: MI

Complaint narrative:
As stated in the attachment, the original dispute was handled incorrectly due an internal error. Also, the debt collection company ( XXXX  ) has closed the account showing nothing is owed. Experian has stated they will delete the account, but has failed to do so as of this date.

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 2024-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've already disputed this fraudulent, inaccurate, and unverified account. 

I looked at my report back XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal Law : According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 U.S. Code 1681s2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 


Can you fix this?

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