vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX  My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX  My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX or XXXX or so, I just realized that my XXXX CDs duplicated. Ther reason beoing the email keep XXXX up for me to transfer the money. Right after realizing the duplicate account I called and emailed PenFed. I got a replied that they will process in 2-3 business days. I emailed again after 11 days passed, they sent me a reply to send a proof from my XXXX XXXX XXXX  that Penfed withdrew my money XXXX XXXX. It is weird since in my PenFed account it shows the duplicate CD account with $ XXXX each. 

I sent four attachments did not work out. I sent another two and they promised that they will take care of it ASAP and asked me to call 3-4 hours after on Tuesday, XX/XX/XXXX. I called, now they asked me to send a formal letter requesting my XXXX the duplicate deposit with my signatures??? 

I repeatedly told them that I am underwater, I am just a teacher that got paid once a month, that I have had an insuffficient notice from the credit card I paid to, and I need a positive cash flow RIGHT NOW to financially survived. It is frustrating and need a big help from a small people int he society. 

Thanks!

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 2022-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have attempted multiple times to setoff / discharge an auto loan with Chase Auto/ JP Morgan . Each communication has been ignored. At present, said company has sent a letter of threat for repossession of automobile. I am a secured party/ creditor / and POA of this account and am the beneficiary of the all caps entity name attached to this account. In addition, I have common law copyright of the all caps ENTITY and BC name. 
XXXX XXXX of JP Morgan has been appointed as fiduciary of this account. In addition, I am prepared to put JP Morgan and the auto dealership on notice of arbitration as the contract that is signed has a fraudulent/unauthorized/forged signature on the contract. I, as the living woman, who never received a copy of this contract on night of signing said contract am seeking remedy as has been communicated multiple times since XXXX. I am the entitlement holder/authorized representative/and POA of the FULL FAITH AND CREDIT birth certificate and SSN number. I have submitted copies of all documents to the IRS, the XXXX XXXX, and the FDIC depository regarding my complaint with this account. I can and am able to provide tracking of all documents submitted over past three months and am prepared with a HEFTY fee schedule from my trust for arbitration of this account. This too has been submitted to JP Morgan and ignored. At present, as the entitlement holder in due of course of this forged contract ; I want JP Morgan to do their fiduciary duties as has been requested and discharge this account appropriately as the contract has unauthorized forgery on it and is illegal as full disclosure was never given about my living woman being used as a transmitting utility for the all CAPS fictitious ENTITY created via the registration of birth certificate by the XXXX  UNITED STATES OF AMERICA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence

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 2022-12-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
please see attached ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Somebody paid the bill from my Bank of America account via bill pay. 
It is a fraud. And I reported it to Bank of America but they denied my claim due to insufficient evidence. 

Date : XX/XX/2022 - {$9200.00} withdrawn by XXXX XXXX XXXX XXXX XX/XX/2022 - $ XXXX withdrawn by XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX this fraud activities on XX/XX/2022 Date : Bank of America noticed me on XX/XX/XXXX that they deny my claim due to no sufficient evidence. 

Date : XX/XX/2022 - I visited Bank of America to reclaim it. 
Bank of America asked me, Credit report to prove this XXXX XXXX Bill is not mine. I faxed for both of mine and my husband 's credit reports on XX/XX/2022. 
As per BOA, that transaction was incurred on Online so they need a proof of Credit Report. 

Date : XX/XX/2022 - They denied my claim again due to no sufficient evidence. 
As per BOA, that transaction was incurred via phone so BOA asked me to provide some report from XXXX XXXX XXXX XXXX my cell company ) that I haven't done anything on phone for the bill pay. 

Bank of America asked me to go to XXXX XXXX XXXX and get a report that I didn't do Phone transaction for above fraud bill pay with XXXX XXXX XXXX XXXX. As per XXXX & XXXX, they found nothing on my phone records that those fraud transaction instructed by me. They said, " how can we provide a report that not happened? '' ** I don't have XXXX XXXX Credit Card. 
** I don't have XXXX XXXX. 
Those Bill payment was not made by me and my husband. 

Fraud protection is a duty of Bank. They ( Bank of America ) didn't report me anything when those fraud transaction happened on my bank account. They haven't even recognized it. 
On the fraud transaction, there is no ACH account number and no name on it. 
How can I provide an evidence that those transactions were not made by me? When hacker hacked your bank account, can Bank of America provide specific evidence who did and what account number? 
Bank of America has no responsibilities to customers and they didn't do enough their job and transfer the responsibilities to customers. 
When some hacker hacked my bank and bank has no responsibilities, how can I trust Bank and save my money on there? 
I am so disappointed on Bank of America services and I have a deep complaint about Bank of America services. 

Please help me out.

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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been a customer of Bank of America since 2019, over the past few months i have been blocked from accessing my funds well over 20 times.I recenently deposited a check which was placed on a week hold.Check cleared and i go to use my debit card and I`m blocked again.I call Bank of America only to discover that my account is being closed and I cant access my checking account.I was told that the account was under investigation for fraudulent activity once again.This has happened to me many times within the past few months but now my account is closed no one is helping me, while I am unable to pay my bills, I have been hung up on by agents and misdirected by managers.I am at my wits end trying to deal with the company and dont know what to do about my situation.I feel like the way they are handling the situation is beyond unprofessional and need help retrieving my funds at a realistic time frame.

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 2022-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
This is to notify PennyMac as well as XXXX that there is collusion between builder, title company, coordinated with legal. We received an auction notice contact the contact and he said that the second XXXX XXXX had already removed the foreclosure. It was a lie. There is a picture of one of the auction notices and contact info of who my wife talked to. 

We have been working through a loan remodification with PennyMac. ( Very helpful ) we had just made our first trial payment. We then received a notice for auction from a lawyer concerning our home. My wife contacted the individual on the notice and left a message. He called her back and she explained we were working with PennyMac on our first. He said that XXXX was the second but that they had already withdrawn their notice for auction. I spoke with PennyMac they said they had never received anything on or attempted a sale date. They said to ignore those complaints. We one the next month and agai I called. They said they had not received anything and not to worry. Then we got an eviction notice in the first of XXXX and now we have received a summons. Due in three days. We are currently in good standing with PennyMac and our modification as they were the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Company has failed to investigate my credit report and attempted to bill both of my credit cards without my authorization

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 2022-12-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022, the first letter was sent to the credit bureaus XXXX, Equifax, and XXXX regarding the bankruptcy that is reporting. After several letters, I still can not get the appropriate response on how this information was obtained. When I contacted the XXXX XXXX  that is on the credit reports, the XXXX XXXX  wrote back and stated that no information is EVER sent to the credit bureaus, and is unclear how they received this information. After many letters after, I still can not get the proper actions from these credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022, the first letter was sent to the credit bureaus XXXX, XXXX, and Experian regarding the bankruptcy that is reporting. After several letters, I still can not get the appropriate response on how this information was obtained. When I contacted the XXXX XXXX  that is on the credit reports, the XXXX XXXX  wrote back and stated that no information is EVER sent to the credit bureaus, and is unclear how they received this information. After many letters after, I still can not get the proper actions from these credit bureaus

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 2022-12-27 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. Please Cease and Desist the reporting of my private consumer information immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/2022, I attempted to open an M & T Bank MyChoice Checking Premium Checking account online. I made it through the application and created a user ID & password, but was then told that the account could not be opened online and that I should visit a branch. I never did visit a branch and considered the matter closed. Then in XXXX, while visiting my parents for XXXX, they gave me a letter from a collection agency stating that M & T bank had, in fact, opened an account in XXXX, been charging me a monthly fee, and then turned the account to collections. In the initial application, I provided M & T bank with my XXXX XXXX box location in XXXX, XXXX For my physical address, I used my parent 's address since this is the address on my driver 's license. Any mail on this account should've been sent to the mailing address I included in the initial application, not the physical address I only visit a few times per year. This is a secondary point, though, since I was never properly informed that the account was, in fact, opened. I have yet to receive an email, call, or text from the bank concerning this. The only correspondence I ever received was to an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
CFPB + Midland Credit Management To whom it may concern, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit saying I owe a debt of {$10000.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website - so we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX account XXXX In accordance with the fair credit Reporting act XXXX  Account XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX account XXXX In accordance with the fair credit Reporting act XXXX  Account XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.

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 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I pulled my 3-bureau credit reports on XX/XX/2022 and noticed a collection being reported by SOUTHWEST CREDIT SYSTEMS XXXX I wrote to them to dispute the collection and requested that they provide validation of this collection. ( see my letter dated XX/XX/2022 ) I received a response from Southwest Credit Systems on XX/XX/2022 providing me with nothing that I requested in my letter from XX/XX/2022. What they provided was a letter dated from the apparent original creditor with information that reflects my name, on a letter to Southwest Credit Systems. 

I wrote them another letter on XX/XX/2022 acknowleding that I received their letter from XX/XX/2022 informing them that I could not identify what they had sent me. ( see attachment ) To this date, XX/XX/2022, I have not received a response or any information to clarify to me that this alleged debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: UT

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 MHas violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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