vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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: VA

Complaint narrative:
I attempted to dispute these online via the application using Experian, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX XXXXXXXX, or XXXX  to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since XXXX therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with 34 CFR Part 99 and the Privacy Act of 1974, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are 5 total entries totaling {$24000.00}. XXXX, Experian, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!

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 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MN

Complaint narrative:
Mortgage question : PNC BANK Spouse passed away in XX/XX/XXXX Surviving spouse contacts mortgage company regarding death, fills out the appropriate form and supplies death certificate in XX/XX/XXXX Deceased spouse only is listed on mortgage but according to MN law, I believe both spouses are required to be listed on title According to XXXX XXXX XXXX XXXX surviving spouse inherits mortgage and can assume it. We believed it be that no additional actions were required. 

XX/XX/XXXX, PNC reaches out to XXXX XXXX XXXX company to verify the homeowners policy has been renewed, as the mortgage has always been covered by private insurance. 

The homeowner had renewed the insurance policy with XXXX XXXX insurance but it was changed in XX/XX/XXXX to the surviving spouses name. We come to discover after reviewing statements that PNC did not change the name on the mortgage when receiving death certificate in XXXX. Now in XX/XX/XXXX, PNC reaches out to XXXX XXXX but claim they could not verify the Homeowners policy because it did not match the name ( deceased spouse ) on mortgage and added lender insurance on the loan. 

PNC did NOT change name on mortgage for a year, still listing the deceased spouse as mortgage owner. 

Because of this, the homeowner has been paying private and lender insurance. 

Not until XXXX did they change the name in the mortgage to the below instead of removing XXXX and replacing with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  Account Number : [ XXXX Reason : [ NEED IT REMOVED HAVE NO CLUE OF THIS ITEM. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
On or around XX/XX/XXXX I called Mohela and requested a refund for the payments made after XX/XX/XXXX. The representative said that it will take 5 waiting days and then within 30 days I will see my refund. I called after a week and the representative said that my request was not even looked at and it will take another 5 days. It has been more than 30 days and I have no response from them. When I try to call, the wait time is over two hours and no option of call back available from them. I would like to know the status of my refund but no way to get to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-10-13 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: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA Ford Motor Credit XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number xxxxxxx on XX/XX/2022 Requesting to be provided : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Under, the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation that you did receive my letter on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Between XXXX I purchased multiple concert tickets. This included a charge of {$820.00} to my Discover credit card ending in XXXX paid to Merchant : XXXX XXXX XXXX XXXX XXXX XXXX. However, I never received the tickets. I contacted Discover customer service dept. approximately four weeks ago, and I was told by the person I spoke to, that I would get my account credited for that amount. However, I received correspondence from Discover dated XX/XX/22 informing me that reversed their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: WV

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have purchased a fridge on amazon.con on XX/XX/2022 and the fridge was delivered on XX/XX/2022 but it arrived damaged so I returned the fridge to Amazon. Until today Synchrony bank is NOT resolving the issue of refunding me my money of XXXX dollars and amazon is not refunding the money either. Synchrony bank gave a temporary credit but that is wrong I should get a permanent credit for my XXXX dollars since the fridge was rejected and returned back to amazon on XX/XX/2022. I do not have the fridge and so synchrony bank and amazon should refund me my money permanently. I have called synchrony bank but they did NOT call me back and they ignored my calls. This is the worst customer service ever. I want my money back since I returned the item back to amazon 30 days ago I disputed the charge with synchrony bank but they did not resolve anything and nobody has contacted me about a resolution

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 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
i called XXXX XXXX XXXX XXXX on XXXX and did not allow me to close my account. 

i also do a chat on the website and they did not close my account on XXXX. 

they will not allow me to close me account until i travel 2000 miles to a location branch in texas to close my account.

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 2022-10-13 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: WV

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX 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 2022-10-13 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 accordance with the Fair Credit Reporting Act Original Creditor : XXXX XXXX  Acct # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX, Original Creditor : XXXX  # XXXX, Original Creditor : XXXX # XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : 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 : It also states a consumer reporting agency can not furnish an 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 2022-10-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Original Creditor : XXXX XXXX Acct # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX, Original Creditor : XXXX  # XXXX, Original Creditor : XXXX # XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 : 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 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I keep trying to make mortgage payments but the bank ( PNC ) keeps telling me the payment is not going through because my account number on the checking account the funds are being drawn from has a " XXXX '' missing out of the account number. I re-enter the account number every month that I pay on the PNC website, and the same thing happens ... .the payment does not clear my bank and PNC tells me I entered the account number wrong because it is missing a " XXXX ''.. This has been going on for months and PNC keeps charging me late fees. They act as if I don't know how to count! The problem is in their software system because when I go to re-enter my account number on their website a drop bar appears " SHOWING MY CORRCT NUMBER WITH ALL THE XXXX 'S IN PLACE. So I simply click on that drop bar and the account number appears as a line item. I confirm it again and everything goes through the system and is entered into my PNC mortgage account data. But when I click on " pay '' somehow the PNC software kicks out one of the " XXXX 's '' and and days later I find out the payment did not clear my checking account. I tried the whole process again this month but this time I took pictures of each stage! I have attached pictures of whole the process to add an account number for payment with the PNC website. As you can see in the " add external account '' attachment, it clearly shows my external account number with all correct numbers, and it is in their system already because it appears in the drop bar as soon as I enter the 1st digit of the account number. The correct account number has four XXXX 's. It starts with ... XXXX. PNC tells me it starts with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2022, I was sent an email from " XXXX. '' The email stated that someone had recently used my account to send an unauthorized amount to another company. I had a similar instance happen recently through XXXX and corrected the error. So, I checked the number and email provided online, and it appeared to be credible based on the sites provided by XXXX XXXX. I called the number, and they followed the same exact script as XXXX would for the situation and explained that the process would be a bit different this time due to the purchase, XXXX. I was assured this would be solved by transferring money from my personal accounts to a secure account. I followed the instructions by the person on the other line who instructed me to give access to the account to facilitate a transfer. I was then told the individual the installments in " two '' to be more " secure. '' The amounts of {$2000.00} and {$310.00} through XXXX  to a number that after was listed as " XXXX XXXX '' after the transactions went through. After a long pause, I realized something was off when I asked for the amount to be transferred back. I demanded that my money be transferred back, but the gentleman on the other line stopped talking. I immediately called XXXX after this exchange and asked if they could pause the transaction. I was told there was nothing they could do because it was through a third-party vendor, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Protfolio recovery, This collection company received a request from the three credit for XXXX to investigate my fraud claim. This company also received a identity theft affidavit packet which was sent to me completed and returned back to this company. This company committed a violation of the fair debt collection practices act as well as the fair credit reporting act. The first violation was out of section 809 subsection B of the fair debt collection practices act were clearly states, because XXXX  notifies a debt collector in writing within the 30 day period described in subsection eight that the debt, or any portion therefore is disputed, or that the consumer request the name and address of the original creditor, the debt collector shall cease collection of the debt or any dispute a portion therefore until the debt collector obtains verification of the debt or, complete his investigation into identity theft of the consumer. The collection agency fail to provide documents validating this fraudulent debt. And intern, this collection agency validated a debt that a criminal has already admitted to opening. This person was convicted in XXXX XXXX Superior Court under case number XXXX XXXX This person admitted in court to using my information as well as my fiancs information and several others to make profit. He sold our information on the Internet. So, I am all the way confused as to why this company has not remove themselves and why they did not complete a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: IL

Complaint narrative:
In XXXX of this year 2022 Credit reporting agencies were made aware of fraudulent accounts & incorrect information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: IL

Complaint narrative:
In XXXX of this year 2022 Credit reporting agencies were made aware of fraudulent accounts & incorrect information on my consumer reports.

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