vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
SECOND ADDENDUM TO XXXX. THIS SERVES AS AN ADDENDUMM TO COMPLAINT NUMBER XXXX REGARDING XXXX XXXX XXXX XXXX XXXX TEXAS XXXX THE COMPLAINT WAS FILED DUE TO LOOKING AT PROPERTY IN TEXAS DUE TO RELOCATION, AFTER INVESTIGATING WE FOUND FRAUD ACTIVITY ON THE HOME. RECEIVED A RESPONSE FROM PNC STATING THEY HAD NO INVOLVEMENT WITH THE HOME. I AM ATTACHING SUPPORTING DOCUMENTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PURCHASED THE HOME IN XXXX XXXX NO FRAUD THAN WHY DID XXXX XXXX PURCHASE THE HOME. 3. PNC AND XXXXXXXX XXXX ARE CONNECTED, XXXX. WE ARE VICTIMS OF MORTGAGE FRAUD TO INCLUDE BASICALLY EVERY BANK CONNECTED TO XXXXXXXX XXXX XXXX UTILIZED AND EACH REAL AND COMMERCIAL PROPERY WAS STOLEN FROM US VIA THE XXXX TRUSTEE AND JUDGE BECAUSE THEIR COLLEAGES UTILIZED XXXX TO PURCHASE HOMES PRIOR. XXXX. INDIVIDUALS ARE THINKING THEY ARE RECEIVING LOANS FOR MORTGAGES BUT THEY ARE PAYING THE MORTGAGE OF THE SXXXX XXXX. TRUST AND BELIEVE WE ARE NOW EXPERTS ON THIS PROCESS AND WILL FOREVER HOLD EACH PERSON AND ENTITIY ACCOUNTABLE BECAUSE PAYBACK AND RESTORATION TO US WILL TAKE PLACE, THERE ARE NO OTHER OPTIONS. WE WANT ALL PERSONS WHO UTILIZED OUR CREDIT AND IDENTITY TO BECOME WEALTHIER CHARGED AND INDICTED! 8. NOW THE POWERS TO BE KNOW WE ARE NO JOKE. THE WORD IS OUT AND HOMEOWNERS ARE BEGINNING TO SUE THE PANTS OFF OF ENTERPRISES AND THEY SHOULD. 9. WE WILL NOT LET INDIVIDUALS BE VIOLATED KNOWING WHAT IS TAKING PLACE. NEW REZ IS A CRIMINAL ENTERPRISE. GIVEN WHAT HAPPEN TO US AND WHAT THEY DID ILLEGALLY THEY NEED TO GIVE US THIS HOUSE FOR FREE TOTALLY RESTORED BOTH INSIDE AND OUT REAL TALK. THESE ENTERPRISES ARE RUNNING LIKE CRAZY TO COVER ALL THE FRAUD ESPECIALLY PERTAINING TO US BECAUSE THEY KNOW THE PAYBACK IS GOING TO BE FIANCIALY ASTRONOMICAL! WE WILL NOT LET THIS BEHAVIOR CONTINUE BY THESE BANKS AND COMPANIES. HOMEOWNERS ARE BEING EDUCATED! THE CREDIT BUREAUS ARE INVOLVED AS WELL. EVERYONE KNOWS WHO OWN THE XXXX 'S. THERE ARE NO BREECHES. SALE THAT STORY RO SOMEONE ELSE, THE XXXX 'S ARE THE BREECHES! 

PNC IS LISTED AS A MORTGAGE COMPANY WITH THE THIRD UPLOAD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied and got my Amex XXXX XXXX in XX/XX/2022, the welcome bonus is earning XXXX Membership Rewards points after $ XXXX in eligible purchases made on the card within the first 6 months of membership. I met the purchase requirement one month after opening the card, but now more than 8 months passed, and I still haven't received the welcome points. I contacted Amex customer service multiple times, however, the Amex representatives showed no intent to solve the problem and did not give me a clear timeline for issuing the points, even though they confirmed my eligibility for the welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I'm requesting CFPB to assist me in the removal of old outdated reporting by XXXX XXXX. They have told me they would continue reporting it even being outdated and expired statue. I'm in my 60s there reporting this is keeping me from being the best I can by doing this they are stopping me from being accepted in assisted living centers and other areas of my life, its almost like they are flexing there power to control my life, and selling of this outdated info to reporting agencys and third partys is affecting my life & health. I have sent letters requesting this to take place but received nothing Thank you

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 2023-02-15 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: KS

Complaint narrative:
My credit score was XXXX on XX/XX/2023, now it is XXXX. I am disputing this decrease. Once again my credit score was decreased XXXX by experian on XX/XX/2023. XXXX XXXX increased my credit limit because I pay my balance to zero every month. So, XXXX XXXX rewards me by increasing my credit limit and experian decreases my credit score by XXXX. So, paying all my bills on time is a punishment? How does that make sense experian? This company is discriminatory. Like I mention every time I file a complaint about experian. Horrible and very annoying. I have to constantly monitor my experian account/credit score because of some bs idiotocracy from experian.

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 2023-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: AL

Complaint narrative:
I am in the public service loan forgiveness program and my loan was transferred to Mohela and they are taking over XXXX to process documents. I have contacted cutomer service repeatedly with no help. Something needs to be done. I am at XXXX payments with the forebarence months that they put me in due to covid as I was in repayment. I can not get to proccess the paperwork to send to the XXXX XXXX XXXX  department. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
For the past three years I have been calling the bank about my monthly PMI/ MIP ( Private Mortgage Insurance/ Mortgage Insurance Premium ) because it hasn't been coming down. They told me the monthly PMI/MIP is for the entire life of the loan. I have never missed a single payment, and in fact have paid more towards principal when possible. My principal balance is extremely close to falling to 80 % of the original value of my home/original loan amount. ( 79.5 % ) As an additional testament to my responsibility, another mortgage company XXXX XXXX XXXX XXXX ) cancelled my PMI entirely before I even reached 80 % principal to loan value. 

M & T Bank has a poor track record with disclosing fees to their customers. I just received a settlement check ( ~ {$40.00} ) as part of a class-action lawsuit where they charged " pay-by-phone '' fees. Many customers were part of the class-action lawsuit.

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: PA

Complaint narrative:
I never gave permission for LEXIS-NEXIS to use my information which makes it identity theft under 18 USC 1028 ( a ) ( 2 ) LEXIS-NEXIS does not have permissible purpose to collect, share or use my information which is violation of 15 USC 1681 B LEXIS-NEXIS violated 15 USC 1681 ( a ) 4 by sharing my personal non-public information without my written consent with their nonaffiliated third-parties example : ( XXXX ) ( XXXX ) ( XXXX ) & ( insurance companies ) LEXIS-NEXIS violated 15 USC 1681 ( D ) a ( 1 ) A person ( LexisNexis ) may not procure or cause to be prepared an investigative consumer report on any consumer ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer LexisNexis has never sent me ( the consumer ) a disclosure, letting me know that I could opt out. ( because I did not know LexisNexis existed ) if LEXIS-NEXIS did this to me, imagine the millions of other people they are violating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Bank held payments which led to Inaccurate account info causing overdraft fees on numerous occasions

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 2023-02-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Inquiry : XXXX has violated my rights Inquiry : XXXX XXXX  has violated my rights Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX bank Inquiry : XXXX business Services Inquiry : XXXX XXXX  XXXX. 
Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX 15 USC 1681 section 602A 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 an account without my written instructions.

15 USC 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 items information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 USC 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 2023-02-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 explanation
Consumer complaint received 2023-02-15 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  for the amount of {$4900.00}, Account XXXX # XXXX for the amount of {$5000.00} 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. Code 1681s2 - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  for the amount of {$4900.00}, Account XXXX # XXXX for the amount of {$5000.00} has violated my rights. 

1

5 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. Code 1681s2 - 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 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had a Mortgage with Wells Fargo and I tried multiple times to get a loan modification and I was rejected due ti my race.

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 2023-02-15 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: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please remove the following inaccurate names:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
also please remove the following inaccurate addresses: XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX WA 9XXXX

please remove the following inaccurate employers:
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 2023-02-15 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: NY

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 an account without my written instructions. 

Creditor Name : US DEPT OF EDUCATION Address : XXXX XXXX XXXX XXXX TX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT OF EDXXXX Address : XXXX XXXX XXXX XXXX  XXXX, IA XXXX Amount : XXXX - {$54000.00} . XXXX - {$54000.00} EXPERIAN - {$30000.00} Dates last REPORTED : XXXX - XX/XX/XXXX EXPERIAN - XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please remove the following inaccurate names:
XXXX XXXX,
XXXX XXXX XXXX,
XXXX XXXX,
XXXX XXXX,

also please remove the following inaccurate addresses:
XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX,
XXXX XXXX XXXX XXXX WA XXXX,

please remove the following inaccurate employers:
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 2023-02-15 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: NV

Complaint narrative:
Please remove the following inaccurate names:
XXXX XXXX,
XXXX XXXX XXXX,
XXXX XXXX,
XXXX XXXX,

also please remove the following inaccurate addresses:
XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX,
XXXX XXXX XXXX XXXX WA XXXX,

please remove the following inaccurate employers:
XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
Greetings! I hope this message finds you well. 

I was scammed for a job position/hiring and was sent a check by the company XXXX XXXX purportedly to as a partial budget to purchase equipment/software for the position as was hired in. The check issued was from The Bank Of New York Mellon XXXX, PA in the amount of US {$2400.00} and for deposit to my account in XXXX XXXX. The bank has rejected it and flagged as counterfeit. I don't want the money and I don't want to be accused of fraud. 

This case has been reported to XXXX XXXX, FDIC, FTC, iC3 FBI, and the California AG. 

Please help me. Thank you so much! 

Kindly see below : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since 1933. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System.

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Website : www.consumerfinance.gov Telephone : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

Sincerely, Consumer Response Unit National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation Telephone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation