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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please Help on XX/XX/1922 I called XXXX to verify if they have received the documentation attached from XXXX XXXX XXXX XXXX and the agent stated that she have documentation that verified this unauthorized inquiry. At this point this is proof that the credit reporting agencies refuses to reporting with grave fairness. How do I have a letter from the company stating that they put in a electronic request to have this item removed and the agent from XXXX is telling me something else and stating that this inquiry is to remain on my credit file? XXXX is disregarding the laws and procedures of The Fair Credit Reporting Act.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would also like to add that I asked the agent have they received a request and she stated that she is unable to check that but she is able to check to see and that they never received this documentation. I requested to speak with a supervisor and he stated the only way to removed this fraudulent inquiry was to provide them with a FTC report. XXXX ID number XXXX also stated that a letter from the company requesting the credit application deleted from my personal credit file is not good enough. The only way to get it removed is to provide a FTC 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 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: ME

Complaint narrative:
PNC Bank is attempting to charge me a prorated escrow shortage fee equal to nearly a third of my total annual escrow disbursements. They are adding a monthly payment of {$340.00} in addition to my escrow payment of {$1100.00}. This is in violation of RESPA and CFR 1024.17c. They are only allowed to cushion my escrow account by a factor of 1/6 my total annual escrow disbursement which is {$13000.00}. 1/6 of my disbursements is equal to {$2200.00} annually. They are attempting to charge me an additional {$4100.00} annually ( XXXX XXXX mos ). They sent this information in an escrow account disclosure dates XX/XX/XXXX, in regards to my new payment schedule starting XX/XX/XXXX. I spoke with 2 representative, one of whom assured me that the information was wrong, only to be sent a new disclosure statement dated XX/XX/XXXX with the prorated monthly fee on {$30.00} less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M & T BANK merged my XXXX  account from a Peoples bank where I have been a good customer for 15 years with NO PROBLEMS. When the banks merged in XXXX and XXXX I paid the loan ON TIME and the payment got rejected by the M & T BANK computer system IN ERROR. On XX/XX/XXXX I spoke with XXXX XXXX who set up docusign debit form and told me I was all set- the monthly debits would be made automatically from my XXXX XXXX XXXX account. That never happened. I then called the XXXX bank line FIVE times on XX/XX/XXXX and got hung up by a woman named XXXX XXXX XXXX XXXX I asked for a supervisor. When I called back she said she was going to continue to hang up on me and sent my calls to non-working numbers inside the bank. She then reported my account as delinquent to retaliate against me for asking for a supervisor! I then drove over to the local branch in XXXX XXXX XXXX XXXX and made an in person payment to XXXX XXXX XXXX the assistant vice president. M & T BANK has done everything possible to XXXX up this account and blame the customer and RETALIATE by sending me notices of Default. I have NEVER missed a payment. M & T BANK is breaking the law.

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 information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I tried to apply for credit and learned that I was denied. After searching many channels to understand the reason for the denial, I learned that my information was leaked through the XXXX data Breach. I am not sure why has happened, and I should not have been denied credit.

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 — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: KY

Complaint narrative:
Company bought my mortgage from XXXX XXXX in XX/XX/XXXX XX/XX/XXXX payment was made in 2 separate half payments- one on XX/XX/XXXX and one on XX/XX/XXXX. It took 4 calls and well over a week to get this payment applied correctly as XXXX misapplied the payment. It was finally corrected XX/XX/XXXX. 

XX/XX/XXXX payment was sent electronically by my credit union on XXXX and as of today ( XX/XX/XXXX ), it is STILL not yet applied. I started calling on XX/XX/XXXX and immediately escalated. I have called and emailed multiple times with no resolution. I emailed proof of payment on XX/XX/XXXX from my credit union and supposedly, the treasury team is looking into it. I was told on XX/XX/XXXX that it could take 5 business days from the initial complaint to research and fix and on day 6, I received another email saying they need more time. I called back on XX/XX/XXXX and was told that yes, they could see it but it wasn't applied and they do not know why. I finally just received a call back from the escalation team a few moments ago. She informed me again that that yes, they see the payment out there, yet they will not provide an ETA as to when the payment will be fixed and applied. Again, this was sent on XXXX and it's now 3+ weeks later. 

XX/XX/XXXX is due next week but I am honestly not confident in sending this company any more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I disputed a fraudulent charge on my account. Wells Fargo did not respond or send notice about anything for over 30 days. They cancelled my card after they fought the charge being fraud. Once I had provided it was a fraudulent charge they removed the charge but closed my account with no notice. I was in the middle of grocery shopping and could not use my card. When I called, they said they would send me a new card. I have not received this new card for over a month now. 

Additionally, as I had not known my account was closed since Wells Fargo never advised, I deposited a balance transfer check into my checking account. The check bounced and instead of advising the account number changed they reported it as fraud and my bank restricted my bank account. This has caused me to take an exorbitant amount of time to go to the branch and resolve this issue created by Wells Fargo. 

I have effectively been punished for reporting a proven fraudulent charge on my account, which is a violation of Reg E and XXXX and/or XXXX 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 2022-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have had multiple conversations and hours on the phone with personnel acknowledging overpayments in fact on my account and say they have to escalate it to get it resolved and then nothing gets resolved. Freedom Mortgage XXXX I am behind 1 payment yet when you look at my payment history from their site since my XX/XX/XXXX refinance, I have made 28 payments with additional funds showing yet since XXXX they tell me I am behind, this was the month that they also generated XXXX XXXX statements and show 1 payment sitting in a suspense account that they will not recognize. XXXX XXXX and funds in suspense attached. 

Inquiry sent today XX/XX/XXXX and XXXX  : Hello, I am asking again that my account be reviewed and corrected. I have made 28 payments since I refinance in XX/XX/XXXX. My payment history attached from your site and my bank records reflect that. However, you have put funds in suspense in XX/XX/XXXX that total 1 mth payment. The next 2 months I paid additional to catch up on the XXXX loan amount that I was not aware of because I am set up for auto pay through my bank. I am not behind on my account. Please apply funds in suspense to my account. Again, the attached pmt record is from your site. 

Thank you in advance, 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 2022-12-27 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: FL

Complaint narrative:
REMOVE HARD INQUIRY with a Company that does not have any account with me. 
They can not remove this from my credit report because they don't show any account on there records. I did not allowed this company to pull my credit report. When I tried to call this number they ask for an account and gave my social security number NO RECORDS FOUND. 
I am asking XXXX, ( Equifax XXXX FILE : XX/XX/XXXX Confirmation # XXXX ) to stop reporting this information on my credit file since it in inaccurate. 
XXXX XXXX File XXXX : XXXX Date Created : XX/XX/XXXX XXXX and Equifax is allowing this inaccurate information to remain on my credit report investigate, remove and delete. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Wrong name on credit report, wrong information reported on credit report .. fraud and theft .. wrong spelling of my name that doesnt match whats on my social security card and services I never received

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

Account # 's XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

Account # 's XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # xxxx, has violated my rights. in accordance with the Fair Credit Reporting act XXXX Bank # XXXX, has violated my rights. in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. n accordance with the Fair Credit Reporting act XXXX XXXX Bank 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 a account without my written instructions. 


I have also Filed a claim with the federal Courts and Served Equifax, They have yet to respond its been over 10 days since being served

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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022, the first letter was sent to the credit bureaus TransUnion, XXXX, 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 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 information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
updated report on credit usage is inaccurate and has not been updated. XX/XX/XXXX is the last stated statement date and is giving me a higher usage, my credit has not increased and is stagnant due to this is misinformation. I have contacted the company and have not received an 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-12-27 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I sent this company a cease and desist letter that arrived XX/XX/2022 at XXXXXXXX XXXX XXXX In this letter I explicitly asked the company to cease and desist all communication with me or anyone I am associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In response to my cease and desist letter the National Credit Adjuster ignored my request and sent me another debt collection letter on XX/XX/2022. This company has been harassing me continuously by phone, email, and letters. I am considering suing the company for harassment about a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST FINANCIAL BANKSHARES, INC.
State: PA

Complaint narrative:
Monies ( {$2500.00} ) were wired to XXXX XXXX XXXX thru his bank ( First Financial XXXX XXXX XXXX XXXX  ) Address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX XXXX, Texas XXXX. Web site is XXXX and e-mail is XXXX After money was wired to them, they will not get back to me with leaving messages for some time now. Can you please tell me how to proceed as they are in a differant state than me? Thank you XXXX XXXX I also have documents to get to you but my computer knowledge is not so great?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I recently opened an AMEX XXXX XXXX account on XX/XX/XXXX. I had an offer on my homepage for {$25.00} off a $ XXXX purchase at XXXX XXXX XXXX XXXX XXXX ) if done by XX/XX/XXXX. I completed a purchase for a yearly subscription for {$53.00} on XX/XX/XXXX and received an email that day from XXXX stating my card was processed and I was given access to the website. By XX/XX/XXXX I had not seen the credit applied to my account and contacted customer service. They stated because the transaction didn't post to their system until XX/XX/XXXX that I was not eligible to receive the {$25.00} statement credit. I asked if I could have the charge reversed because I felt that as a condition of purchasing the subscription was that I would receive a {$25.00} statement credit. If I no longer qualified I did not want access to the subscription service. I was told no that they were unable to do that and have since filed a complain with the CFPB.

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 — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
my personal account was closed without notice and without cause. I spoke to everyone at the bank that i could reach, but no one can tell me why my account was closed and why i was not notified. 

I found out my account was closed when my transactions started to get returned. 

And now, they will not let me withdraw the money. they said I have to wait till I receive a letter and can not tell me when and how I can withdraw my money. 

this can cause a customer a great deal of harm. I can not use my funds and have all sorts of running expenses to support a family.

Company response to consumer: Closed with explanation