vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
PenFed ( Pentagon Federal Credit Union ) Did not depict a clear answer in the last request that I sent. PenFed did not provide a resolution, instead clearly ignoring the solution. They did not provide a response to the banking error that was caused by PENFED. That they confirmed was a banking error and later charged to me the consumer. PenFed did not try to rectify the situation instead PenFed stated I need to immediately " Call them '' To pay the balance of the share they charged off due to the banking error. PenFed Closed my Line of credit after the banking error occurred. I originally tried to transfer from my Line of Credit, thinking that I transferred from that and that's where the fund transfers came from. I transferred the money to my external bank account. However Penfed later 2 month 's later deducted those funds advising me in the email attached that this was a banking error and that I now need to pay for their mistake. That I chose to withdrawal the funds before they could correct their system error. PenFed caused a loss to my savings account of {$230.00} PenFed Closed the Line of Credit and Credit card AFTER they charged off the savings account. I did not receive a call from PenFed and in their last response the manager states that I closed the Line of Credit. This is FALSE. I did close the credit card, but I did not close the line of credit. Their DCC Loss department CLOSED THE LINE OF CREDIT, because they stated I caused PenFED A LOSS WITH THE BANKING ERROR. I do not feel this has been rectified and I feel PenFed is simply copying the statement 's I attached in the previous message and reattaching them. A Consumer that is a victim of a banking error should not be held responsible for a banking error. PenFed admitted that it was caused by a Banking error, but PenFed is attempting to Hold me responsible for their error. I do not accept responsibility for something I was not aware of. PenFed continues to state the Share was charged off because of this banking error. I believe PenFed should be held responsible and rectify the situation instead of throwing blame on a consumer. I did not accidentally transfer funds, PenFed did. Yes I transferred the funds out only after contacting member service to make sure that these were from my Line of Credit and they confirmed. This later became false XXXX month 's later but I was not notified again. I am a member and I do not feel like I am at fault here. PenFed is not doing anything to research the error, and I feel like this is consumer abuse. I am requesting further information and additional research as stated previously see attached.

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 2022-08-10 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: OH

Complaint narrative:
I called XXXX, XXXX and Transunion and informed each of them that information on my credit report is incorrect, specifically the spelling of my last name. In the section titled " Other names '' my last name was spelled " XXXX '' instead of the correct spelling which is " XXXX ''. Also my birth year was listed at " XXXX '' instead of " XXXX ''. I was on line looking at the report and identified the most blatant errors I am not certain if there is more. I was looking at the document online and I was unable to look at the entire document at that time. When I went back to try to pull up the information I was unable to access the credit report. Since that time I have requested all three of my credit reports and I have not received a copy of any of them at this time. I would like a complete credit report sent to my address from ALL THREE agencies so I can compare and contrast the information that is listed on all three of the reports. I need to identify all inaccurate information between each of the three reports.

One of the main problems I am having with these agencies is that is extremely difficult to get a live representative online. Every time I call I get put into a message system that forces me to select options that do not apply to my concerns. I am NEVER able to get in contact with a live representative. Another MAJOR CONCERN is that I am unable to access MY SOCIAL SECURITY account. Specifically, because " XXXX " has information about me that is NOT correct, which is preventing me from accessing MY OWN social security account. This has been going on for YEARS. I have had to go to social security over 8 times to get a password RESET which did not work because the credit information associated with my account is WRONG. I have had my password RESET about 4-5 times and the problem has not been resolved.

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 2022-08-10 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:
XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy.

15 USC section 603 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of being is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The have violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 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 According to : 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 2022-08-10 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:
XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy.

15 USC section 603 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of being is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The have violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 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 According to : 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 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
XXXX XXXX Credit Card company called to say someone was trying to open a new account in my name. I had not applied for a new account. The Credit card company suspected fraud and called me to verify if I had applied. They then cancelled the application.

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 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/22, I submitted information to open an account online. On same day, I received an automated email message saying they couldnt verify me referencing the Patriot Act. I was provided a phone number which I attempted on 3 separate days. The recording told me to call back in 24 hrs. I could never get through to a representative. 
On XX/XX/22, I submitted an online inquiry form. 
On XX/XX/22, I received another email from XXXX asking me to call another customer service number which I did. The representative ( XXXX ) was very kind and helpful. She sent me a pdf application to complete and return via secure email. She walked me through the completion process ensuring all necessary boxes were checked. Same day, I received a request to provide a copy of my drivers license. I submitted it to XXXX via secure email. She confirmed forwarding to the appropriate department. 
On XX/XX/22, I called back to the working customer service and referenced my prior conversation with XXXX and requested a status. I was told no application for me was in queue. 
On XX/XX/22, I requested escalation to a supervisor and informed them I was considering filing a CFPB complaint. XXXX sent me another pdf application. 
On XX/XX/22, I pulled up the second application form for the first time. This time it was inadvertently pre-filled with another applicants information ( including full social, date of birth, mothers maiden name etc ). I immediately notified XXXX and requested supervisor escalation. XXXX called me and said she and her supervisor are researching my situation. I requested something in writing from her supervisor confirming my information had not been compromised to other applicants. I also requested expedited resolution to my application problems. As of XX/XX/22 at noon ( EST ), I have received neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am currently being harassed daily by my mortgage company, Freedom Mortgage. I received calls every day asking me to confirm my email address, i have completed this more than 50 times and they are still calling me everyday. I have opted out of their phone calls and are told by the representative not to worry that this issue has been fixed but they kept calling early every morning. These calls are waking me up and providing a high amount of stress.

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 2022-08-10 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: NY

Complaint narrative:
On XX/XX/2022 I sent the credit bureaus ( Experian, XXXX XXXX XXXX ) a letter of investigation, to conduct and verify everything on my credit report is 100 % accurate. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX The credit bureaus stated that my accounts are property investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is ground for removal as they also violated my rights under.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States that I have the right to privacy According to : 15 USC 1681 Section 604 A Section 2 : It states that a consumer agency can not furnish a account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ). States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Asked state employees credit union in XXXX nc for my credit card to be increased and was told because I had a lose in my business that I couldnt get it I was told I have a great pay history but because I had a lost they can not increase my credit card 15 U.S. Code 1681g - Disclosures to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
on XX/XX/XXXX i signed onto Indigo CC ( Genesis FS Card Services XXXX XXXX XXXX XXXX OR XXXX. XXXX ) after receiving a notification for an annual fee that would be charged on this card. I had not used the card since XX/XX/XXXX and carried a zero balance. A new card was sent in XXXX of XXXX which i had never activated the card. When i signed on to site on XX/XX/XXXX i noticed over 8 fraud charges in the amount of {$200.00} where on the card which was NEVER activated. XX/XX/XXXX {$33.00}, XX/XX/XXXX {$15.00}, XX/XX/XXXX {$11.00}, XX/XX/XXXX {$67.00}, XX/XX/XXXX {$21.00}, XX/XX/XXXX {$15.00}, XX/XX/XXXX {$26.00} and XX/XX/XXXX {$13.00}. I placed a dispute on XX/XX/XXXX and received a letter on XX/XX/XXXX stating they found in favor of the bank. I contacted them again on XX/XX/XXXX and spoke to supervisor who also could see the card was not activated and entered a new dispute request. All when i am being advised it will take up to 60 days to resolve. As of today the dispute of the fraud charges have not been resolved and i have continued to make payments on the CC to avoid any issues related to my credit. I do not understand why they would not be able to resolve sooner on a card that was never activated and why they would not refund the charges while they investigated the charges. Their representatives are not knowledgeable and offer no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts 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 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX and XXXX I sent {$5000.00} to someone to purchase a vehicle. Thats {$10000.00} that I sent total, the payment of {$5000.00} on the XXXX was sent through XXXX used through my chase bank app. The second payment of {$5000.00} was sent on XX/XX/XXXX through a wire transfer from my chase bank app to his XXXX bank account. We are in XXXX and he hasnt spoken to me since XXXX and I call and leave messages no response. I finally called chase fraud and put in a claim with them. They let me know the next day that I couldnt receive the funds back and it was nothing they could do. So now Im out of {$10000.00} and still no vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 I sent the wrong person money on XXXX. 
Chase was very nasty to me on the phone and was supposed to keep me updated on my claim. They never did and jus told me I couldnt get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account ( account number being XXXX ). I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).

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