vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
We have owned homes since 2000. We have never had problems like we have had with PennyMac. 

We did not sign up with PennyMac. They " bought '' our mortgage from another company last year, soon after we bought our house. They have bungled the paperwork at every turn and exhibited a pattern of negligence throughout. 

1. Last year, they did not pay our taxes. We ended up paying out of pocket, instead of out of escrow. I see from the escrow records they sent the money SOMEWHERE, but it never arrived where it was supposed to ( XXXX XXXX XXXX XXXX ). 

2. Earlier this year, they suddenly said they were charging us for insurance, because we had no insurance company. We did, actually. When the bought the mortgage, THEY NEVER BOTHERED to contact the existing insurer and properly set up where the bill would be sent, again, to escrow. 

PS I would send the documents about the insurance mess, but PennyMac conveniently " wipes '' their message center over time, so you have no record of past disutes! I managed to save the PDF of one of those exchanges last year. 

This has NEVER HAPPENED BEFORE, ever, in 21 years of us being homeowners, and our mortgage was sold *four times* while we lived in Florida! 

3. So we come to now, and the reason for my panic. I got an email from them saying " No problem, we're paying your tax bill, it's all good '' and they said not to send them the tax bill. So when I got the XXXX XXXX tax bill : a ) It was for a different amount b ) It clearly said " send this to your lender '' c ) There was no indication on the bill they even knew who PennyMac was. 

( c ) is more frightening because the tax bill in Virginia ALWAYS said who the lender was, and actually said, don't worry about sending this to them, we've already done it. 

So in short, I've been abused enough. Someone needs to fix these problems once and for all. And just maybe, this is a PATTERN of abuse, that should actually be investigated. Are there other homeowners out there who aren't quite as vigilant, who are already in trouble with the local tax authorities, who are already paying double exorbitant insurance rates?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive reported to all 3 bureaus, and all said closed account, now they updated to charge off/collection except XXXX. How is there a balance on an account that was reported closed. Now its saying charge off/collection on 2 reporting agencies. ( XXXX and Equifax ) after XXXX deleted it first! Account was reported closed XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: OH

Complaint narrative:
I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued.

8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX. On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXXXXXX XXXX XXXX  That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
XXXX XXXX Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.

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 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
I never applied for this card. They just sent it to me in the mail and it has extremely high fees. I never apply for any Credit card that has fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am XXXX XXXX and I am submitting this claim myself, and no third party is involved. I, XXXX XXXX, natural person, and creditor to an open ended credit plan, was denied my right of credit by Huntington. I was notified of this transgression of my rights, specifically 15 USC 1601- T.I.L.A, by Huntington XXXX XX/XX/2022. According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by Huntington 's adverse action taken against me. Huntington admitted to using a " credit scoring system that assigns a numerical value on information in '' my " credit report ''. Huntington admitted XXXX " the credit reporting agency advised '' them to share my private info via my credit consumer report. According to 15 USC 1602 ( p ) XXXX never had my permission to allow Huntington to view my non public private info ; in result I received no benefit from this credit transaction. Huntington 's adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to XXXX. XXXX XXXX XXXX is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: Continental Finance Company, LLC
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-28 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: OH

Complaint narrative:
I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued.

8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: OH

Complaint narrative:
I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued.

8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-28 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: OneMain Finance Corporation
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, called to check the balance of my benefits card ending in XXXX for my child support. The balance was only {$1.00} when it should have been over {$2000.00}. The expiration month of the card was XX/XX/XXXX so I almost thought the company sent me out a new card and transferred my money until I was able to get a customer representative over the phone. She told me that I had a lot of XXXX and XXXX XXXX accounts created with my card and that there was a new card issued to me ( I didn't receive it ). I asked her if I needed to file a police report. She told me no and that she would send my complaint over to the fraud department to have my money refunded. XXXX XX/XX/XXXX, I received a letter from the fraud department stating that they didn't see any fraudulent activity. I contacted the fraud department, and the young man told me to go ahead a file a police report, contact the merchants that I didn't authorize, and to write a handwritten statement so the fraud department can reopen my case. I did everything I was asked to do, and my case was again denied. I contacted the fraud department again and now they are saying that they will not reopen my case because it is my fault that I did not notice the money missing sooner and that I would have to provide new evidence to get my case reopened. The card holder service is called Way2Go Program. The state I live in is Alabama and that is the card service company they use for child support payments. I have been arguing and begging this company to replace the money, but they refused. I have all paperwork. XXXX XXXX replaced my money, but the other merchants need assistance from the investigators before they replace my money, but the investigators will not cooperate. The fraud department is rude, and they have no sympathy for their customers. They have been giving me the run around ever since I filed my complaint in XXXX. My case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: SC

Complaint narrative:
XXXX This is the case number of my complaint that was closed, the company did resolve the issue but then turned around and charged me again with out an explanation, I am fixing to get a lawyer if this wont get resolved! 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: GA

Complaint narrative:
On XX/XX/2022 I sent a dispute letter to the 3 credit bureaus to do a proper investigation for the all the incorrect or incomplete information in my credit file..On XX/XX/2022 I received a return receipt USPS for Equifax XXXX On XX/XX/2022 I received a return receipt for XXXX and on XX/XX/XXXX a return receipt for XXXX. XXXX, XXXX and Equifax did not do a proper investigation according to FCRA and 15 US Code - 1681.I have uploaded my disputed items for inaccurate or incomplete information .This is in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: GA

Complaint narrative:
Ive reached out to equifax and requested that the inquiries that I am unaware of listed in the attachment for the dates that follow. ive reached out and requested that My report relefcts the correct information to reflect accurately. 

In accordance with the Fair Credit Reporting Equifax has violated my rights.

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 

15 U.S.C 1681 SECTION 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions XX/XX/2022 : XXXX - XXXX XXXX Address:XXXX XXXXXXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/2022 XXXX XXXX Address:XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/2022 XX/XX/2022 : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX Address:XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXX XXXX XXXXXXXX That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
Military Star Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: LA

Complaint narrative:
XXXXXXXX XXXX XXXX On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXX XXXX XXXXXXXX That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
XXXX XXXX Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.

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 2022-08-28 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: NJ

Complaint narrative:
My wallet was stolen and my identity. A XXXX  card was open by someone else.

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