vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
We asked PNC Bank to cancel our escrow account and allow us to pay local taxes and insurance, leaving only the principal for us to pay to PNC. 

Later we received a document from PNC requesting our signatures to consent to the cancellation of escrow. It included a fee of {$250.00} to close the escrow account, which PNC claims in CAN charge according to law. However, the law doesn't say they MUST charge a fee, only that they CAN. In addition, nobody from PNC will tell me what this fee covers. 

I requested that the fee be waived and PNC says they only waive a fee if they have mistakenly charged it. We feel this fee is an insult to us as a customer of the bank -- -a fee that is being charged so that PNC won't have to do work servicing our escrow account from now on. In other words, " Pay us a fee so that we don't have to do anything in the future other than cash your principal check. Pay us to do LESS work. '' PNC will also not tell me how they make money through the purchase of loans ( ours originated with XXXX XXXX ) and when the loan was sold, we didn't receive a consent form that asked if we wanted to continue payments into escrow. 

Their logic is, " We don't make money from your escrow account ; we make it by servicing your loan '' -- -but what does that even mean? Somebody is making money somewhere, but PNC agents can not seem to answer how/who/where this is being done. Is their profit more than {$250.00}? 

These fees are not only an insult to customers, they are immoral and should put anyone who may be contemplating working with PNC Bank on guard from a consumer standpoint. Banks have already been fined or slapped on the wrist for charging excessive fees -- -and in our case, this fee is " just because we can '' and mysteriously doesn't apparently cover anything other than a keystroke by a member of their escrow division.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
Deceptive practices and non full disclosure of contracts which gives me the right to rescission under these USC codes 15 U.S.Code 1635 ( b ) - right to rescind and keep the property 15 U.S. Code 1635- right to rescission 15 U.S.Code 1640 ( a ) - each violation is 2x finance charge 1. 15 U.S. Code 1662-No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state 2. that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

3. that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 15 U.S. Code 1692j- false and deceptive forms 15 U.S. Code 1605 - finance charge defined and what is all included 15 U.S.Code 1635 ( f ) - right to rescind after 3 years. If rescission paperwork was never furnished, deceptive practices were used by not disclosing everything, including the existence of power of attorney paperwork within the contract. They added extra taxes and fees without proper explanation. When asked about the validity of the contract, they refused to validate it. The paperwork they sent had no relation to U.S Auto Credit LLC
. The letter mentioned in the previous complaint was not received by the consumer, and the consumer was not informed correctly about the transfer of ownership of the contract during negotiations. US Auto Credit also repossessed the vehicle without any explanation or clarification. Despite requesting this information, it was never provided, raising suspicions about the timing and existence of the letter. It's important to note that I had been communicating with US Auto Credit for months before contacting the consumer bureau, giving them ample time to provide the letter and establish the validity of the contract. These actions indicate that US Auto Credit is operating dishonestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing the second complaint against Midland Credit Management, regarding their ongoing violations and harassment. 

Throughout this year, I have engaged with Midland Credit Management via telephone and USPS mail, in attempts to verify a debt associated with account number XXXX. On XX/XX/2023, I spoke with XXXX XXXX, a representative from Midland Credit Management, during which I expressed my concerns regarding the legitimacy of the debt. During this conversation, XXXX XXXX confirmed that the debt could not be validated and that no signed contract bearing my signature was in their possession. ( Section 1692g ) This situation aligns with the Fair Credit Reporting Act ( FCRA ) regulations pertaining to validation and removal. 

Subsequently, I disputed the account with XXXX on XX/XX/2023, resulting in its removal from XXXX on XX/XX/2023. As of XX/XX/2023, Midland Credit Management is no longer reflected on my consumer report with XXXX, XXXX, and XXXX. 

However, on XX/XX/2023, I received a mail via USPS from Midland Credit Management displaying their logo on the envelope. This action directly violates the Fair Debt Collection Practices Act ( FDCPA ), which stipulates that debt collectors are prohibited from revealing debt-related information on the communication envelope. Section 1692f ( 8 ), This breach is concerning, as it infringes upon consumer privacy and has induce distress, embarrassment, and harassment, Section 1692d. 

Upon opening the envelope, I discovered a letter dated XX/XX/2023, yet it was received by me on XX/XX/2023. Enclosed were the Pre-Legal Process pamphlet and a bill. This information is attached for your reference. Notably, since the aforementioned phone call on XX/XX/XXXX, I have not received any mail from Midland Credit Management, making this recent communication particularly distressing. 

It is evident that they are attempting to collect a debt that has already been expunged from my consumer report. The continued violations and harassment have led to significant emotional strain and distress. 

I've attached the following to this complaint : - Front of the envelope - Bill Instrument ( front and back ) - Front and inside of the Pamphlet - Envelope to send payment - USPS Informed Delivery to show when I received the mail - Screenshot of XXXX Dispute and Results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: IN

Complaint narrative:
A square Inc. card reader was received in the mail a couple of months ago. Unable to send back as the address is very generic. On XXXX, a debit Mastercard was received in the mail. A call was made on XXXX to Square Inc. to advise this was not ordered or opened by myself and requested the account closed. The representative would only say they will escalate it and let us know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
In XXXX of 2022 I mailed XXXX a letter informing them that I am a victim of identity theft from a credit card that was in my name from them.. 2 months later Midland Credit Management purchased this debt. I informed them multiple times on the phone and in writing this is identity theft. I sent them a FTC fraud affidavit and gave them the police report number, # XXXX XXXX XXXX Sheriff Department in XXXX, Indiana. This company continues attempts to collect on this fraudulent account. 
mcm # XXXX XXXX customer # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Recently I did an investigation on my credit report which cause severe distress upon the discovery that my rights to privacy were violated by American Express on XX/XX/2023 for the amount of {$11000.00}. 

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.

Please Delete this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Account was fraudulently opened under my name. Bank sent me a letter dismissing the account and deleting the account a debt collector is violating my right for the 3 time they were able to post the same debt under my credit. Please removed the account from the 3rd time this is absolutely annoying and disrespectful after I proved them I got nothing to do with that collection. 
Debt collector is XXXX XXXX XXXX Account was opened in 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 2023-08-22 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: MO

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.

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 non-monetary relief
Consumer complaint received 2023-08-22 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: MO

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.

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 non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the list of accounts below They violated my right of privacy I have the right of privacy 1 : XXXX XXXX 2 : XXXX XXXX XXXX 3 : 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 2023-08-22 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: IL

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed 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 2023-08-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While checking my most recent credit report, I noticed credit inquiry that I did not authorize.

These inquiries needs to be removed from credit report ASAP. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: CA

Complaint narrative:
Recently I did an investigation on my credit report which cause severe distress upon the discovery that my rights to privacy were violated by XXXX XXXX on XX/XX/2023 for the amount of {$11000.00}. 

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.

Please Delete this from my credit report immediately.

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 2023-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Dear CFPB, I am writing to bring to your attention an unresolved issue I've faced involving a banking transaction between Citizens Bank and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I believe this matter not only impacts me personally but underscores the importance of transparent and effective transactional practices among financial institutions. Brief Description of the Incident : On XXXX, I initiated two transactions to transfer funds into new accounts I had opened at Citizens Bank. One of these transactions involved transferring {$500.00} from my XXXX  account to a new checking account at Citizens Bank, and the other was a transfer of {$500.00} from my XXXX Saving account ( provided by XXXX XXXX XXXX XXXX ) to a new savings account at Citizens Bank. Shortly after, Citizens Bank terminated my accounts and notified me via email that my transactions were unsuccessful. While I received the refund from the checking account transfer ( from XXXX ), the {$500.00} from the XXXX Saving account has yet to be refunded. Despite multiple communications with both Citizens Bank and XXXX XXXX XXXX, the whereabouts of the {$500.00} remains unresolved. Actions Taken : I visited a local branch of Citizens Bank, where I was informed that the money had been withdrawn from Citizens and should be in XXXX XXXX XXXX. Upon contacting XXXX XXXX, I was advised to wait several more days. After waiting for over 14 business days, I still hadn't received my refund. XXXX XXXX requested more information to verify the transaction. I procured an ACH trace number from Citizens Bank to track the transaction and provided it to XXXX XXXX. However, they reported that they couldn't find any information related to this trace number. Despite my best efforts to resolve this issue directly with both banks, the money remains unaccounted for, and I am left in a state of financial and emotional distress. I am seeking the CFPB 's assistance in mediating this situation. I hope that with your intervention, I can recover the missing funds and that this incident can shed light on any procedural shortcomings that may exist, ensuring that others do not face similar challenges in the future. Thank you for your attention to this matter. I trust in the CFPB 's commitment to ensuring fairness and transparency in financial matters and eagerly await your guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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 XXXX  Account on the date ofXX/XX/2021, " XXXX XXXX - XXXX '', has violated my rights by violating my right to privacy, Furnishing said account without my written instructions, and reporting inaccurate reports and details regarding the account. Down below I will cite my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy, Said right was violated by " XXXX XXXX - XXXX '' by reporting and releasing my personal info and details to consumer agencies and the public providing access to information of said account simply by request. 

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, Said right was violated by " XXXX XXXX - XXXX '' furnishing and reporting said account without my given written instruction nor direct detailed agreement. 

15 U.S.C. 1681 Section 602 A ( 1 ). States The banking system is dependent upon Fair and ACCURATE credit reporting, Said right was violated by " XXXX XXXX - XXXX '' not truthfully reporting full and accurate details regarding the account, Payments Made, Payments missed, and the accurate remaining balance on the 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 non-monetary relief