vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have no knowledge of these 2 accounts that Portfolio Recovery is reporting that were opened fraudulently. I received notifications in the mail that they were open, but they do not and never have belonged to me. I want them off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I had requested a investigation into multiple accounts reported on my credit report. The credit company all three times came back verified despite my specific requests in XXXX. How they came out with result of verified. But they simply respond verified which is not what I requested at any point. 
How is the question. 
In terms of my XXXX collection, XXXX XXXX XXXX, HOW are they verifying this? I have proof that XXXX PAID this in full. This is NOT a collection account. So how can they verify something that is not true? They state the XXXX accounts with XXXX are verified as well as XXXX XXXX. What is XXXX XXXX exactly? The XXXX XXXX cards XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX are INACCURATE in reporting which by law requires them to be DELETED. Not XXXX of these accounts show date I went into default or my payment history which the law states to show. How will you know or if my XXXX years are over? The XXXX XXXX account listed has been on my report 7 years and still reporting. 

Then my requests about inquires is IGNORED. There are multiple that I never authorized. I contacted the companies and was directed to the credit agency being they have no record of me. So why is it I have these random credit inquires? Why am I ignored when asked about them? XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXX 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 ; XXXX XXXX, XX/XX/XXXX; and 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 explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper Mortgage Loan During XXXX, due to loss of income we asked for Forberance. We never made a late payment. Forberance was approved and we stopped making out payments. We started making payments again in XX/XX/2021. We applied for a refinance with XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX months after foreberance ended is what we were told we needed to wait. When XXXX XXXX Approved us they submitted a mortgage verification to mr cooper. Mr Cooper submitted them with a verification stating that we had been late 3 times in the 30 day and 3 times in the 60 day. during our covid foreberance. XXXX XXXX declined to refinance us after receiving the verification, which I have a copy of. I have tried since XX/XX/XXXX to get Mr. Cooper to to correct the problem they have not. They keep asking for XXXXdays and then they do nothing. XXXX XXXX had locked in our mortgage rate and said they would resubmit if Mr. Cooper would Correct it. I also asked Mr. Cooper to refinance which they declined due to the late payments noted on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Im accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have the right to my privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor mag not treat a payment on a credit card account and a open end consumer credit pla as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX 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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Barclay Bank pulled my XXXX personal credit report for barclay bank and i did not authorize a personal hard pull on my credit please remove

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 2022-05-24 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: AL

Complaint narrative:
I still have found alot of inaccurate information reporting on my credit file. I need you to conduct a reasonable reinvestigation! How could you have all of this information incorrect? This is a form of defamation/slander. But ill allow another 5 - 30 days per the law to get these iteams removed and do not use your e oscar system ; this is human error! Conduct a reasonable investigation because I am trying to buy a house this is really hurting my score! Mail me an updated report once all inaccurate information has been deleted! Dont forget about 15 U.S.C 1681 Section 604 A Section 2 : It says a consumer reporting agency can not furnish an account without my written instructions. Lasty, 15 U.S.C 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. I circled everything inaccurate with red INK!

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 2022-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I took out a mortgage with First Federal Savings on XX/XX/XXXX which a mortgage was recorded. On XX/XX/XXXX another copy ( same loan number ) of the mortgage was recorded with XXXX as the servicer. I refinanced and the mortgage was paid off and a discharge was recorded for the First Federal Savings mortgage but not for the XXXX Mortgage. It is my understanding that US Bank was the servicer at the time of the discharge. I have since refinanced again and now have sold my home. We requested a discharge back in early XXXX XXXX of XXXX in anticipation of selling my home and did not receive confirmation of the discharge but rather that " it would be processed and completed. '' We had a {$500.00} holdback in escrow in order to sell the home with the reliance that US Bank would timely record the discharge. Now XXXX ( XXXX ) years later, MANY emails and calls to US Bank, XXXX  and XXXX XXXX with promises that the mortgage would be discharged and recorded. 
It is now almost two months since the closing date of XX/XX/XXXX and we still have not received a discharge for the XXXX mortgage. I have written to US Bank as well as my attorney and now am receiving radio silence. I let them know last Monday, XX/XX/XXXX that if they did not respond by XX/XX/XXXX, I would be filing this complaint and I still have not received a response.

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 2022-05-24 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: AR

Complaint narrative:
I've recently reached out to Equifax in XX/XX/2022 to update and remove incorrect or inaccurate personal information reporting on my credit report. On the Equifax credit report it contains addresses XXXX XXXX XXXXXXXX XXXX which I DO NOT currently reside nor have any affiliation to. The Employers section also contains inaccurate information with the names XXXX XXXX and XXXX XXXX which I was never employed at neither Employer. Despite my previous attempts this wrong information continues to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have had an Apple Card with Goldmans Sachs for about a year now during the Coronavirus crisis I used it as emergency funds to stay afloat and maxed it out. Recently I have gotten back on my feet and was able to pay it off over a total of {$5000.00} to get the balance to XXXX. 

XX/XX/22 - {$4000.00} payment XX/XX/22 - {$1300.00} payment Today is XX/XX/22 funds from the second payment were supposed to be released XX/XX/22. 

I have been contacting Apple Support everyday for a week now to no avail. 

Why am I having to wait to use my money when I have paid off all debt owed to get my balance back to XXXX. This is ridiculous and nobody is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have contacted each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXXXXXX {$470.00} XXXX XXXX ) XXXX XXXX XXXX {$710.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXX {$1000.00} XXXX XXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) {$38000.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have contacted each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX ) XXXX XXXX XXXX XXXX {$410.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXXXXXX {$470.00} XXXX XXXX ) XXXX XXXX XXXX {$710.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXX {$1000.00} XXXX XXXX ) XXXX XXXXXXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) {$38000.00} 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 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PennyMac makes it virtually impossible to do business with them. 1. I have faxed 3x to the FAX ( XXXX ) number they provided ; not once did it go through. 2. They gave me the number to their insurance department ( XXXX ) ; I found it virtually impossible to get through to a person ; it simply hung up on me. 3. I have called their main number ( XXXX ) but I have yet to reach a knowledgeable person to help me update my client 's home insurance to their account. 4. I have tried to upload the documents to their web page XXXX XXXX  ) but it will not allow me in to upload documents ... most calls simply end up in having their automated system hang up on me. As of yet, I have FAXed 3 times and called 6-8x today and as of yet I have not been able to transmit my XXXX XXXX XXXX Their customer service is the epitome of an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
credit corp solutions called me on XX/XX/24 at XXXX. They did not identify who was calling although I asked multiple times. They released my social security number with fully confirming it was me on the phone. I informed them that I needed to receive a letter and was falsely told that a letter had already been sent out. I repeated multiple times to them that I did not want to be called nor would I confirm information over the phone. They talked over me and continue to ask for verification information after I had already told them no and they had already spoken out my social security number. I have my mailed tracked through USPS informed delivery and can verify that no letter in the last month has been sent from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
Hi,, I have a small checking account for years at Northwest Bank in XXXX XXXX, which I use primarily for paying charities. I had made a transfer from my main bank, XXXX XXXX, which I have done numerous times in the past to this account. The transfer was sent and deposited into my account. Then a few charges came through from the different charities and such and were paid. Three or four days later the transfer was reversed and all the payments were charged XXXX for overdraft. I went to the bank and spoke to XXXX who said she could reverse XXXX of the XXXX overdraft charges. I deposited XXXX that very day and received another overdraft the following day even though the account was now positive. I had no reason to believe the account was in the negative and feel it is a bank error and would like to please have all of the overdrafts refunded. Thank you 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 2022-05-24 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: GA

Complaint narrative:
in acorddance with fair credit act XXXX  act XXXX has violated my rights 15usc 1681section 602A states i have the right to privacy 15 usc section 604A it also states a consumer can not furnish an account without my written permission or instructions XXXX XXXX reference XXXX fed loan servicing XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account 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 2022-05-24 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: MN

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. 
XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
I have never heard of this bank but they fraudulently placed a hard inquiry on my credit report. The description reads XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. I called and they confirmed it was fraud but refused to remove the inquiry. Since this is now lowering my credit rating, please force them to remove any inquiries from any bureau they reported. 

Thank you, 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 2022-05-24 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: TN

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

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 2022-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a loan with Nationstar dba Mr. Cooper. Back in XX/XX/2021 they forced placed insurance on my loan while I had insurance. I provided them with the evidence of insurance to show that I did not have a gap in my insurance. I thought the matter was resolved and continued with my regular scheduled payment. My payments are all sent to them directly each month from my Bank. 

For some reason, In the month of XXXX they reversed several of my payments for the erroneously forced placed insurance and placed everything into a suspense account. 

I got on the phone with them again and thought the issue was resolved as they undid everything and reapplied all the payments but in the process ended up incorrectly reporting me 30 days late for XX/XX/2021. 

I was never late and always had insurance. I always paid the payment and made the payment for more than the minimum required amount. 

I have been trying to resolve this issue with them for a week now and keep getting the run around. I am in the middle of a real estate transaction that has come to a complete halt because of their erroneous late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Requested a purchase eraser credit of XXXX for account, on XX/XX/2022. Current rewards balance has higher amount available than requested credit. Usual account credit time is three days. First call to Capital One service on XXXX XX/XX/XXXX was check account next day. Checked and no credit. Second Call XX/XX/XXXX. Spoke to XXXX. Was told account would be credited by XX/XX/2022. Account Not Credited. Third Call on XX/XX/2022, Spoke with XXXX, stated he was a senior Supervisor # XXXX. Was told credit would now be 1-2 billing cycles and to check back in XX/XX/2022. Would not guarantee it would be there.

Company response to consumer: Closed with non-monetary relief