vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Trying to refinance, it shows on my XXXX, that I have a 30 day late for the month of XXXX. Mortgage statement and my bank statement shows that I was not late. Ask if they could please remove it, stated that because of the bankruptcy, my ex-husband filed, I DID NOT FILE, that payments are posted to my account in a process of bankruptcy decision when they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Financial Corporation of America
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against Financial Corporation of America Dear Sir/Madam , I am writing to formally file a complaint against Financial Corporation of America for unfair billing practices. 

Account Information : - Account Number : XXXX - Type of Account : Credit Incident Details : I received your notice dated XXXX XXXX, stating that I owe a debt amounting to {$1300.00}. I believe this debt is in error, and I have no knowledge or record of owing this debt to the original creditor, XXXX XXXX XXXX. I request that you provide me with a validation of this debt, including the amount and details about the creditor. 

I have also consulted with my attending XXXX, XXXX She, regarding this matter. XXXX She has confirmed that there is no such charge required for the service and that she will not be charging any additional fees. Her statement contradicts the bill I have received, further questioning its legitimacy. 

Resolution Sought : I kindly request your assistance in removing this unauthorized bill from my account as soon as possible. 


Attached Documents : I have attached to support my complaint. 

I kindly request your immediate attention to this matter and look forward to your prompt response. Failure to adequately resolve this issue will leave me with no choice but to pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 00:00:00
Product: Credit reporting 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: FL

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
In doing further research, I found out that my mobile carrier had a data breach which I was apart of. I was never made aware of it and this may lead to how this XXXX account being established without my knowledge. I have reached out to XXXX and they can do confirm any information. 
They can only tell me it has been sent to collection. XXXX can not verify the account because I have no knowledge of this account and can not give any information other than it was bought by Jefferson Capitol System. Furthermore I only found this out because I had applied for a XXXX credit card, I pay all my creditors and I was rejected to my surprise. 
I have reach out to XXXX XXXX XXXX in the last 2 month. Every call sends you to one prompted and then to another prompted and thinking you're in queue the system will hang up on, time and time again. I have given more than enough time trying to resolve this myself and now have decided to file this complaint. This is a fraudulent account has cause significant financial stress on myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: HI

Complaint narrative:
XX/XX/2023 XXXX  {$4900.00} Contacted company for services provided not as advertised. Company made threatening remarks.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Contacted Transunion on XX/XX/XXXX at XXXX and spoke with the Fraud Department about 4 unauthorized inquiries that were on my credit report. The 4 Unauthorized Inquiries are : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have tried speaking with Transunion and they would not help correct my file by deleting the unauthorized inquiries reporting to 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 explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2023, I was inhumanly coerced to send XXXX XXXX dollars ( {$2000.00} ) to a Zelle account of a user I did not know. Again, on XX/XX/2023 I was inhumanly coerced to send XXXX XXXX dollars ( {$2000.00} ) to another Zelle account of a user I did not know. On XX/XX/2023, I submitted two ( 2 ) transaction disputes via my financial institution XXXX XXXX. On XX/XX/2023, I received a phone call and was threatened to be " sued '' and " killed '' if I did not cancel the Zelle disputes. On XX/XX/2023, I called XXXX XXXX  and cancelled the disputes out of fear. 

On XX/XX/2023, I opened a XXXX XXXX account. On XX/XX/2023, I received five ( 5 ) notifications that someone attempted to use my identification/personal information with XXXX XXXX XXXX I also discovered on that day that someone opened a credit card with XXXX XXXX XXXX XXXX  under my name with my identify/personal information. The date the credit card was opened was on XX/XX/2023. I did not open this credit card and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX XXXX XXXX  I have already notified XXXX XXXX XXXX XXXX  of the account being unauthorized. 

On XX/XX/2023, my financial institution XXXX XXXX  closed my bank account completely. On XX/XX/2023, I received a phone call from XXXX XXXX  informing me of suspicious activity being made with my account. The date the account was opened was on XX/XX/2023. I did not open this account and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX. I have already notified XXXX XXXX  of the account being unauthorized. 

I discovered that Zelle completely closed my account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I had 2 accounts with wells fargo for years and over the years they drew down my account for fees and didn't pay any interest despite telling me when I created these accounts they would be interest bearing.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express has a platinum charge card of which I've never missed a payment. Because I'm not using the charge card as they completely desired but still within the legal scope of which I'm allotted per their contractual agreement they are financially squeezing the account causing various malicious and malinformed reports for example they're making it seem like I'm using 100 % of the borrowed some but it's because every time I make a payment they lower it. They also are declining charges because of this algorithm and refused to review it or let me speak to somebody about it. I'm following their contract to the t. That's in addition to they're double dipped interest fees that no one for some reason has claimed in a class action lawsuit but that's beyond me. I have never missed the payment and have followed their instruction and their rules and regulations but they remain uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio recovery services refuses to provide me with debt validation letter stating its last 30 days I dont remember receiving anything from them on this debt. And to my recollection dont owe this debt and have continued to call over debt after stating they wouldnt send letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These unknown hard inquiries were placed on my credit reports : XXXX XXXX XXXXXXXX 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 2023-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank has repeatedly failed to close an old HELOC and remove the lien on my property, despite numerous assurances since XXXX. It os preventing me from obtaining more advantageous financing from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
My son went to XXXX XXXX at XXXX XXXX XXXX XXXX  in XXXX of XXXX XXXX XXXX submitted my insurance information incorrectly, charged me {$40.00} for a copay and a few weeks later I received a bill in the mail for about {$140.00}. On XX/XX/XXXX, when calling XXXX to have them resubmit to my insurance company they refused to talk to me citing HIPAA as the reason and hung up on me. 

About 1 week ago I started receiving daily calls from Transworld Systems Inc, trying to collect on a debt I owed to XXXX. They wanted me to validate my DOB, Address, and other personal identifiable information which I was not comfortable to exchange on a unsolicited phone call. They referenced XXXX which was paid by my insurance company in XXXX and when I talked to XXXX they said they actually owe me money ( {$35.00} ), not that I owe them anything. Transworld Systems calls me daily and threated multiple times to continue to call me until I verify information with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Unable to get my credit report from this company XXXX  XXXX Unable to log in getting error message

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
Dispute Timeline : XX/XX/2023 Explanation of Dispute : In XX/XX/2023, I was wrongly labeled as late on my credit report for a supposed missed payment. However, I have proof that I made the payment on time. I had made the payment with a bank account that I've used many times in the past with Pennymac. 

I received a confirmation that my loan was paid and I went on my merry way. Come to find out I was marked late and I had no idea why. 

I tried to resolve this by contacting their customer service on both XX/XX/XXXX and XX/XX/XXXX, but I didn't receive any help or solution. Unfortunately, I wasn't able to speak to a manager. 

In addition, when I did speak to them on a recorded line the customer service representative acknowledged that the payment was received and being processed. They admitted that there was an error on their end, but unfortunately, they couldn't fix it. 

Normally, I use my XXXX  XXXX XXXX account, but this time I used my XXXX XXXX account. Again, I've used this XXXX XXXX XXXX  account before without any issues. After I provided the payment information, the system did again confirm that the payment went through. I didn't receive any notifications about processing problems.. 

I kindly request that you correct this mistake. I take pride in paying my bills on time and would appreciate your prompt attention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Went to XXXX XXXX. Pa XXXX pnc bank branch with my aunt to apply for a XXXX loan on XX/XX/2023. My aunt came with me to Co sign. Submitted our paperwork to loan officer. XXXX XXXX and she started the application process. Didn't hear from her for a month. She said she was on vacation and then requested more paperwork. We Submitted that to her. Waited a few more weeks and heard nothing. Messaged her multiple times. Finally got a response on. XX/XX/XXXX. She said the loan processor accidently closed the loan and that she had to redo it and submit it again. Also home appraisal came back super low with horrible comps with whatever program they use to get the home appraisals. I told her that I will pay to get a professional appraiser to do the appraisal. She said that it didn't work that way. She said she had to get approval from the underwriters for a professional appraisal. Again messaged her multiple times to see where we are with the process on XX/XX/XXXX and then on XX/XX/XXXX. Again no response. I finally called today the main loan number with pnc bank. They informed me that it was denied due to that my aunt doesn't live at my residence. XXXX XXXX the loan officer should of known that basic information the day we filled out the application. Pnc wasted 2 months of my time. Also she should of called me and told it was denied. Not ignore the calls and messages. Horrible business practice.

Company response to consumer: Closed with explanation