vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/2022 my husband and I applied for a HELOC at PNC bank in XXXX, IN. The loan XXXX XXXX XXXX completed the application on her computer and we then signed the paper work. The next day we received and email from the loan XXXX in charge of our application, XXXX XXXX. We were told the process would be that they would do a home appraisal and then submit it to their underwriters. I don't have the exact date but somewhere near the beginning of XXXX we received a congratulations letter stating we were initially approved pending the appraisal. The bank told us to receive the amount of loan we were asking for we would need a minimum {$250000.00} home value for a {$110000.00} HELOC. Our appraisal came back at {$250000.00} as is and higher once the project was completed. On XX/XX/2022 we received another email stating that our loan application had been closed. I emailed XXXX XXXX asking her what that meant, thinking it meant we are about to sign for the loan. She wrote me and said their was not enough equity in the house. I wrote back saying I was confused that we only needed {$250000.00} and he had more than that. She wrote me back and said it was actually denied because our home is an A-Frame house and PNC does not loan on A-Frame type houses. I said why didn't someone say that 2 months ago. We would have never applied for the loan if we had known that. There is no way to hide the fact that it is an A-Frame house. I told her I would be reporting this to the necessary Federal agency. On XX/XX/2022 I received a phone call from someone named XXXX. I told her I was driving to a doctors appointment and would not be able to write anything down, she told me she would send her personal information to my email. She verified my email address with me. She tried to mislead me that it was our fault about the A-Frame and I told her that was absurd and that we would have never applied had we known the policy. She said she would investigate it and get back with me today, XX/XX/2022. I did not receive XXXX 's personal information nor have I heard anything from her, yet. 
We have wasted 2 months and interest rates have now doubled since we signed the original loan documents. The fact of the A-Frame should have came up at first meeting then we could have walked away and went to a lender that did approve our type of home. Now we are looking at higher interest rates and that is not right. We have been a customer of PNC for quite a few years and we are looking into moving to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: GA

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. 

XXXX 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 2022-06-10 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: GA

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. 

XXXX 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 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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My father passed away in XXXX of 2021. He has three business accounts at Wells Fargo. I am the executor of the estate and have become the member and new owner of the business. Ive provided all required proof to Wells Fargo but they still arent giving me access to the accounts. They cant tell me what the next steps are but continue to tell me theyll call me back when they find out. Its been months and they continue to tell me the same thing. I dont know what else to do other than get a lawyer involved.

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 2022-06-10 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: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX XXXX XXXX has XXXX 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 also states a consumer reporting agency can not furnish a account without 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 2022-06-10 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: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
Account balance owed by XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX : {$170.00}. 
XX/XX/XXXX XXXX makes {$170.00} payment using XXXX  payment service. 
XX/XX/XXXX XXXX receives confirmation of payment e-mail from XXXX. 
XX/XX/XXXX Payment from XX/XX/XXXX was withdrawn from lessee 's checking account. 
No further Communication from XXXX to XXXX. 
XX/XX/XXXX Letter sent from Debt Collector to XXXX. 
XX/XX/XXXX XXXX receives letter and contacts Debt Collector to dispute claim. 
XX/XX/XXXX XXXX sends proof of payment to Debt Collector. 
XX/XX/XXXX Debt Collector sent itemized Move Out Statement with fees listed in attached documents. 
XX/XX/XXXX XXXX contacts Debt Collector, Debt Collector insists XXXX still owes XXXX {$170.00}. 
XX/XX/XXXX XXXX attempts to contact XXXX by phone and does not get response. 
XX/XX/XXXX XXXX contacts cfpb.gov to file report on the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Upgrade pays cashback on payments made using a debit card. Upgrade has failed to provide cashback on transactions incurred in XX/XX/ 2021 and XX/XX/ 2021. Multiple calls were made to customer service who have acknowledged that the cashback is not credited to the account due to " technical issues '' and the issue will be resolved. It's been more than 6 months and upgrade hasn't cooperated. My last email communication to upgrade was on XXXX XXXX, 2021 but I received no response to the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : Account number # XXXX I have previously disputed the accuracy of the information for the closed at my request and paid in full account with XXXX and all CRAs ( XXXX, XXXX, TransUnion ), however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Last reported Date last active Date of last payment

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 2022-06-10 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: TX

Complaint narrative:
Re : Account number # XXXX I have previously disputed the accuracy of the information for the closed at my request and paid in full account with XXXX and all CRAs ( XXXX, Equifax, XXXX ), however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Last reported Date last active Date of last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate/inaccurate reported late payments. 
XXXX XXXX Account Number : XXXX Please update late payment, all payment was made on time 3. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-06-10 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: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without 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 2022-06-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXXXXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, and 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 non-monetary relief
Consumer complaint received 2022-06-10 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: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without 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 2022-06-10 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: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section XXXX Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section XXXX Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section XXXX Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

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 2022-06-10 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: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX XXXX XXXX has violated my rights 15 XXXX.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without 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 2022-06-10 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: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 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: CO

Complaint narrative:
in accordance with Fair credit reporting act XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I don't know what happened but this company XXXX has once put a debt on my account from several years ago. It got it investigated and taken off my report but they still call me every 2 to 4 days. They also change phone numbers. I have blocked several numbers. I just want them to leave me alone. I have screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The previous servicer of my mortgage, XXXX ( XXXX XXXX XXXX ) sold the servicing to Select Portfolio Servicing effective XX/XX/XXXX. Even though I had already made the XXXX payment to XXXX, I received an abandoned call from XXXX from " SPS Servicing '' at XXXX am this morning XX/XX/XXXX. 

XXXX searches show repeated complaints about Select Portfolio Servicing not handling payments correctly and reporting on time payments to the credit bureaus as late, and also that Select Portfolio Servicing uses XXXX to make collection phone calls to consumers on payments that are not late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
My account was debited {$140.00} on XX/XX/2022 with Chime Bank in 2 transactions as an atm withdrawal. I disputed this immediately as I was at work all day with my card in my purse. When I contacted Chime Bank and disputed the charges, they denied my claim. This is stealing from customers and very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: ERC
State: MO

Complaint narrative:
Some company called ERC has been pestering me, and i want it stopped! If i owe anything i will pay directly to whom i owe it to, and not some high XXXX bill collection company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I bought 2 {$500.00} vanilla gift card in the XXXX store located on XXXX in XXXX back in XX/XX/2021 and I possess both cards the whole time with no one else knows the card number. However, on the same day I purchased them, there are 3 unauthorized transaction ( totaling of {$740.00} ) happened on the 2 gift cards. I was only able to find out about this fraud 2 days later when I was trying to use the card but the strip on both cards were not working. As a result, I reported this fraud to XXXX gift card as soon as I find out on XX/XX/2021 and received a confirmation email from their dispute department on XX/XX/2021. Vanilla gift card told me that they would have a resolution within 90 business days. I waited for more than 90 days and heard nothing back from them, so I called them to escalate my dispute case. However, their so called 'escalation ' ( and their only way ) to get an update is by sending an email to the dispute department. Moreover, every time I ask for an escalation, they told me to wait for 2 more business days for respond and call back if heard nothing back. I am not sure if they are sending any escalation emails at all. 

In conclusion, I gave them 6 months to resolve my case but they are doing nothing to protect me from the fraud.

Company response to consumer: Closed with explanation