vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: OH

Complaint narrative:
So I XXXX XXXXXXXX on XX/XX/XXXX. I had XXXX and ended up using my XXXX XXXX credit card XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PNC sold my debt to a collection agency, who offered me a deal to pay off what I owed to them and I payed it in full. Now it's been haunting my XXXX XXXX for 2 years. It's difficult having to pay down payments for things and the payments are almost the whole price. I've did my payment. I've done my work. The only thing I owe is federal student loans. Why is this still XXXX  down my score?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: PR

Complaint narrative:
XXXX XXXX ( FINANCE ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: PR

Complaint narrative:
XXXX XXXX ( FINANCE ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: PR

Complaint narrative:
XXXX XXXX ( FINANCE ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person 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 2023-01-09 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: IN

Complaint narrative:
15USC 1681 section 602 ( a ) states that I have a right to privacy. 

As per 15USC 1681 section 604 ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Equifax, XXXX, and XXXX have all violated my rights with the reporting of a bankruptcy that was not the result of an order from the court nor at the request from the court. This claim against me is without my approval, written consent, nor agreeance. These companies have not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request that you remove the below mentioned information from my Consumer Report XXXX XXXX XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Credit card XXXX offered XXXX % interest rate on balance transfers for XXXX year. 
I did a balance transfer on XX/XX/XXXX in the amount of {$1700.00}. 
I was charged {$52.00} as a fee, making the total {$1800.00} as the total promotional balance that would need to be paid off by XX/XX/XXXX. 

Everything was fine until my XXXX statement in which I was charged a {$2.00} minimum inetrest fee. Every statement I was charged these {$2.00}. I had to e-mail, call, and fight to have these {$2.00} removed every single month beginining XX/XX/XXXX. Their explanation was that I had a remaining balance every month. My remaining balance was that of my promotinal balance. I did always manage to get the {$2.00} credited every month but it was an extreme hassle as they were not honoring the promotion given to me. 
On XXXX, they then charged me {$4.00} in interest. Once again, the only remaining balance that would be left on the account was the promotional balnce. All other purchases made during the billing cycle would be paid in full. I reached out regarding these {$4.00} and I was told that they would investigate and in the meantime I would not be responsible for the {$4.00}. However they went ahead and added that to my promotinal balance. I have now fully paid off the card 3 months ealry because I can not deal with anymore interest or fees being fraudalantly charged ; I am still owed the {$4.00}. They are liars and have made this a horrible experience and I am sure they do this to many of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paramount GR Holdings, LLC
State: MI

Complaint narrative:
Goodleap continue reporting XXXX XXXX XX/XX/XXXX payments as 30 days late to all credit reporting agencies. At the same time their payment history shows XX/XX/XXXX and XX/XX/XXXX as payment being paid on time, well within 30 days of due date.

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 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
15 % increase in monthly payment with no notice. 

I called Customer Service on XX/XX/23 regarding an increase of over {$120.00} for my monthly mortgage payment and it was told that it was due to tax increase of around {$200.00} and insurance increase of $ XXXX annually. Which is an increase of roughly {$500.00}, yet over {$1500.00} is being collected via my monthly payment to address this increase. 
Explained to the XXXX, I understood that I would be responsible for the increase and even understood a need for a cushion for the escrow, however, a 3 times the amount required is excessive. 
The XXXX explained that the department in charge of analyzing the escrow determines the amount of increase. A 15 % increase in monthly payment wrestling in a three-fold cushion for fee 's is at a minimum predatory, skirting on unethical. 
I challenge the tool utilized to determine the metric of a 15 % increase, requiring an excess recouping to escrow the tax/insurance three-fold. 
A three-fold escrow " cushion '' is excessive, on the surface arbitrary, and appears in favor of the financial institution, facilitating an excess of capital available for their organizations benefit from I am sure a large number of accounts utilizing these unsavory practices. 
This 15 % increase was initiated without notice or opportunity to appeal the increase. 
In summation, this practice is fraught with arbitrary application of fees well in excess of the required product ( tax/insurance ) which benefit the lender

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 2023-01-09 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:
Hi I'm XXXX XXXX I'm a consumer summiting a complaint as a victim of identity theft. Experian, XXXX. has used and abused my personal information by furnishing my Non public information to other companies. This sharing of my personal information was not disclosed to me in writing. My right to privacy as been violated under the Gramm Leach Bliley Act of 1999. These violation need to be addressed As soon as possible as it has resulted in me being victim of identify theft. I demand all stated accounts be removed from my credit report with in the next 4 days as stated in law under under 15 U.S. Code 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-09 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX XXXX, a {$9000.00} charge was made to my Barclays charge card. Barclays determined the charge was fraudulent and XXXX accepted Barclays ' charge back request on XX/XX/XXXX and returned the {$9000.00} to Barclays. Unfortunately, the charge remained as a debt on my Barclays credit card and I was forced to pay it off to avoid ruining my credit. After repeated attempts to resolve the dispute, I filed a XXXX complaint on XX/XX/XXXX. As a result of that complaint, it would appear that the problem is with an interface between Barclays ' fraud and debt/credit accounting sections. 

Over the last 18 months, I have spoken with hundreds of customer service representatives/supervisors and more than three upper-level managers at Barclays ; provided documentation of XXXXXXXX 's response ; and written numerous letters requesting resolution. Barclays has assured me since XX/XX/XXXX that payment would be made to XXXX and nothing has happened. These efforts have involved more than XXXX hours of my time. Resolution of the problem by Barclays has taken so long that the only option available now is for Barclays to refund the money that I have paid and I will take care of resolving the issue with XXXX. 

I am attaching the results of the XXXX complaint and documentation of some of my interactions with Barclays and XXXX employees. I have additional documentation, including copies of several, but not all, of the letters that I have sent Barclays regarding this matter. Please respond to my email with any additional information requests you may have

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 2023-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank
State: FL

Complaint narrative:
Hello, I am contacting you regarding Synovus bank. We have had issue after issue with them. We refinanced our loan on XXXX XXXX, 2022, and agreed that we would have a XXXX grace period for payments. They wanted a definite date. I told them the XXXX. Of the following month would work, so they were to move the payment forward to the XXXX. When we made a payment on XX/XX/XXXX, they sent us a finance charge for missed payment for XX/XX/2022, when we still did not have a loan with them. After numerous phone calls and emails, we resolved that problem in XXXX 2022. They also made us open an account in their bank in order to get the loan process going of XXXX. 
New current issue : When we refinanced, they provided a list of insurance requirements they wanted for the loan. Before signing the docs, it was fine, and we were ok. Then in XXXX, they contacted us to add flood insurance. Although we are not in a flood zone, I agreed as the cost was minimal. Then in XXXX, they contacted us again and requested we buy wind insurance. The cost is almost XXXX a year. I told them that we were not asked for this closing, and it is an additional cost as we have a concrete building. When costs come down, we would purchase the insurance and cancel the insurance policy they had taken out. This is a very deceptive practice. As if we had known this, we would have stayed with the old lender. I explained to them the state of Florida does not require wind insurance in loans. They are forcing us to buy insurance we were never told that was a requirement. If we had been aware of this, we would not have refinanced. 
We sent them a letter requesting to cancel the insurance and to wait as we would make an effort to find better-priced insurance with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Hello : I am XXXX XXXX, and was a few days late on my XXXX payment but, on XX/XX/XXXX i made a payment via my checking account. It was never processed. Along with several other attempts caused my payment to accrue tons of late fees. In addition to this my XXXX payment via my checking account has not been processed. As I am recovering from XXXX My husband is handling my affairs with mortgage payments.

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 2023-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
To whom it may concern, after receiving an alert from my consumer monitoring service, I contacted Annual Credit Report and got a copy of my consumer reports from XXXX, XXXX, and XXXX. As I checked my consumer reports, I noticed an alleged medical collection from XXXX XXXX XXXX whom I never received products nor services from. Not only is it a XXXX violation but XXXX XXXX XXXX is in violation of 42 U.S. Code 1320-6 Wrongful disclosure of Individually Identifiable Health Information and violation of 15 U.S. Code 1681 ( a ) ( 4 ) a consumers right to privacy. I contacted XXXX XXXX XXXX to dispute the alleged medical debt threw certified mail sent out XXXX2022 asking for verification of this alleged medical debt and never received anything back from XXXX XXXX XXXX. I now have an alleged medical collection on my consumer report that is ruining my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On the date of XX/XX/2022, a purchase for a total of {$840.00} was made on the website XXXX. The merchant contacted me to let me know the item I purchased was out of stock but never provided a refund. After days of waiting, a case was filed on XX/XX/2022 with Citibank for no merchandise being received. Citibank investigated and claims that the merchant shipped out the merchandise however they can not provide proof that this is the case. No tracking number has been provided to me or Citibank. Now Citibank claims the can not investigate any further, even though I have sent proof of my order status never having been updated to shipped and order still being processed.

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 monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX unable to view my credit report online or through the Experian app, I called numerous times and they said its because someone delete my address from my file, I sent all the information they requested numerous times to update my address, and its been months and every time I call they said its going to take XXXX to update and its been months. Theyre reporting inaccurate accounts on my credit and also deleted my XXXX  XXXX account thats in good standings and they fail to put it back saying its not them its XXXX XXXX and XXXX XXXX verified that theyre reporting to all XXXX bureaus on the XXXX of every month. My credit fell over XXXX points when they deleted 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 explanation
Consumer complaint received 2023-01-09 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: IL

Complaint narrative:
I DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!

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 2023-01-09 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: IL

Complaint narrative:
I DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!

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 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Good Morning, My name is XXXX XXXX and I purchased a vehicle from XXXX XXXX in XXXX Georgia XX/XX/XXXX. I was charged {$15000.00} down payment and financed the remaining balance of {$10000.00} through Ally Financial. I Got behind on payments vehicle was repossessed XX/XX/XXXX. XXXX being told to that the dealership I purchased vehicle from bought it from Ally Financial XX/XX/XXXX. In the amount of {$14000.00} which is more than what I owed. Ally Financial refused to pay me the overage amount. Also telling me thats on the dealership. Dealership also refuses to pay. Highly frustrated to get screwed around like this and neither party is willing to pay whats owed!

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