vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: MI

Complaint narrative:
XXXX XXXX put me in collections for an account that I never used. I have asked them several times to send me the information and they will not. They sold the account to a third party collection company and they just say they verify the account as accurate but will not send me any account information. I have disputed it with XXXX who took it off my report, but Transunion and the others wont.

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 2022-04-07 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: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
This bill has been on my report in different names. This has been paid in full using the Law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-07 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A while back while attempting to raise my credit limit on my existing Bank of America accounts I was denied twice and sent a letter stating my accounts were not used enough. Since then I have prioritized using those accounts. XXXX attempted to open an new account that has popped up to me as a personally catered offer so that I can complete a balance transfer. I have been a customer with Bank of America for 10 years and have accepted a XXXX XXXX  member status. I also hold all my assets there and it is my primary wealth management institution. After filling out the application it was denied. I called the credit department and spoke with 3 different reps who told me they will not approve the application simply because the existing accounts are not used enough. I explained my situation to the rep with recently moving across country and having to pay off cards at other banks as well as told her that I have now been using those accounts since getting declined for limit increases. Additionally I mentioned I had a perfect credit score, no delinquencies, perfect payment record, and have been a long customer. I thought that transferring a balance in itself is activity. The rep did not want to hear me. I asked for a supervisor but instead was transferred to a dispute settlement person. After 20 minutes of hold he too was unable to approve the application and stated that they will not be extending any more credit to me than I alreafy have which is miniscule. I am a XXXX and make a significant income, pay all my bills, and am a perfect client. I feel I have been treated unfairly and disrespected today. Additionaly I now have an unnecessary inquiry on my credit report. I dont understand why they make personalized offers available to clients if after trying to use them you simply get declined.

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 2022-04-07 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: IL

Complaint narrative:
XXXX  XXXX On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called XXXX XXXX to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I spoke with Penny Mac Representatives today dated XX/XX/XXXX. 
XXXX initially helped me but then transferred me to Senior Representative XXXX. 
After more than an hour on phone, my requests were not resolved. 


I faced this issue every year with Penny mac.

Last year, PENNYMAC LOAN SERVICES , LLC made the changes, I pro-actively requested, however, on my XXXX, XXXX mortgage bill and online payment system, they AGAIN revert back to the original old, faulty increased amount which was concurred by PENNYMAC LOAN SERVICES , LLC that they will adjust and reduce. 
It is extremely time consuming and painstaking to keep track, reach their representative on phone and request these changes repeatedly. 

every year, i call and get the escrow analysis revised because of errors such as added reserve to escrow etc. I am monitoring, tracking and reporting since XXXX. 
since last year PENNYMAC LOAN SERVICES , LLC moved the escrow analysis date and forced me to pay additional amount in their every year increase in the month of XXXX and onwards. 
i have to be pro-active to make sure 1. i request escrow analysis 2. PENNYMAC LOAN SERVICES , LLC do not send hard copy of escrow analysis even after i repeatedly requested.

3. i have to find errors and request every year to revise the escrow analysis i need to make sure PENNYMAC LOAN SERVICES , LLC correct their ways of conducting business with transparency and disclose information in timely manner. 
i request PENNYMAC LOAN SERVICES , LLC to revise once and for all their method of calculating escrow analysis to avoid this ongoing yearly challenge. 

Request : Requesting actual escrow account breakdown to account for the actual payments in every year payments of months of XXXX, XXXX, XXXX and XXXX. 
Need to calculate accurate Reserve Escrow Balance Need to revise Escrow Analysis Statement Requesting to receive hard copy Escrow Statement generated on XX/XX/XXXX. 
Requesting to receive revise hard copy Escrow Statement to be generated. 

thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
During covid outbreak I was unemployed and could not make my rent payment to XXXX XXXX, I was talked into staying and trying to catch up on rent, then I was put on President Trumps " No Eviction '' plan, then after it all was in fact evicted. Ive reported this to all 3 credit reporting companies and only 1 has taken down the unconstitutional collections that the XXXX XXXX  claims I owe, even though I had a legitimate reason that I could have broken my lease when I was not behind in rent but talked into staying, put on the program and then evicted against the Presidents wishes. I still have no real employment but manage to survive by way of free campgrounds and odd jobs because I can't get vaccinated because of XXXX and cold, and my main work was with the public. And now Experian won't even let me dispute this. 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 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
Please see the attachments for a full description and all documentation. Gemini transferred XXXX XXXX and XXXX XXXX that I did not authorize and did not receive any notification for the transfers. Neither I nor could XXXX stop or freeze my account. Gemini had TOTAL CONTROL over the situation and could easily have mitigated and even ended the hack the by having a secure system and telephone support. They have neither. Due to their lack of telephone support and insecure system that did not track any unusual activity, it took Gemini an hour and one half to freeze all accounts resulting in losses of XXXX XXXX dollars in XXXX coins and cash. Gemini has NEVER responded to all the questions found in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have tried contacting Transunion regarding issue with error on my credit report. They have not fix my credit. The their credit report shows 9 missed or late payment but I have not miss any payments. The Fix my credit for a couple of days ( XXXX  XXXX to XXXX XXXX ) and then change it to be incorrect. I will try and submit again but I do not trust them as they have fail to fix the issue the first time. XXXX call me to say they have sent the request to fix the issue back in mid XXXX. It is XXXX and Transunion still has not fixed the issue. I have attach proof of me not missing any 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 non-monetary relief
Consumer complaint received 2022-04-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-07 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: MD

Complaint narrative:
Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : also states a consumer Reporting agency can not furnish account without my written instructions.

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 2022-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Good day, I am getting calls and emails from Navient which is my loan servicer. They want me to pay my loan and they have stated that I have not made a payment in almost 90 days. I am the understanding that my loans were in hold due to the government. They also just reported my loans late to all credit reporting companies. I feel that they're taking aventage of persons and they want parents when payments are frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I consumer : XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance as the sum of all charges in a consumer credit transaction. The finance charge does not involve cash ( bank card payment of XXXX ), but XXXX XXXX XXXX took cash ( bank card payment of XXXX ). The finance charge is supposed to include insurance, but we were repeatedly asked for insurance information by XXXX XXXX and told to call to notify and give verification that insurance was placed on vehicle. So separate Auto insurance was purchased. XXXX XXXX XXXX violated The Truth in Lending Act aka Regulation Z by attempting to decieve Consumers ( : XXXX and : XXXX ) into thinking they are debtors in opposition to 15 usc 1602 . During consumer credit transaction Adverse Actions were taken against consumers by Santander Consumer USA and XXXX XXXX XXXX ; threatening to not complete consumer credit transaction if consumers/creditors insisted on exercising his rights by signing WITHOUT PREJUDICE ALL RIGHTS RESERVED UCC XXXX ny XXXX XXXX of XXXX XXXX XXXX XXXX This action was prejudicial and in violation of 18 usc 241, 242 conspiracy against rights. During Consumer Credit Transaction it was demonstrated through verifiable State Department signed documents of entitlement to Full Faith and Credit, XXXX XXXX XXXX and Santander persisted on requesting social security number contrary to 15 usc 1681. During the consumer credit transaction not one time was the Right to Rescind within 72 hours given. The disclosure on how to Rescind the XXXX XXXX XXXX and how to fill out the forms were not reviewed by competent sales personnel in violation of 15 usc 1635. XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX along with their Co-conspirator Santander Consumer USA located at XXXX XXXX XXXX XXXX TX XXXX did conspire to deprive Consumers/Creditors : XXXX and : XXXX XXXX entitled to full faith and credit their rights in violation of 42 usc 1983.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
A debt was established shortly after move out which was XX/XX/XXXX. Part of the the {$300.00} plus dollar debt was paid. However, XXXX XXXX XXXX XXXX XXXX sold the debt to collection agency IQ data international for the amount that did not reflect payment made. Once a letter was received for debt owed, I tried explaining to management at the XXXX XXXX XXXX  XXXX that based on my move in inspection form and what was allegedly found, it was the same. Therefore, part of the debt was invalid. Since the debt was sold to collection agency, the collection amount has increased. Finally o! XX/XX/XXXX, I sent a fax to settle for less. Agency declined despite income issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was behind 2 payments when XXXX XXXX contacted me via email on XX/XX/2021 about making a tax payment that was past due. She said she needed proof the taxes are paid by XXXX  at XXXX or the file will be assigned to an attorney. I made the tax payment and XXXX said don't worry about the loan payments, you have time to make them. About a month later, TD assigned my file out to an attorney for non-payment. I asked XXXX on XX/XX/XXXX if we could talk, she refused my request. I got a demand letter that week. Then TD bank filed for foreclosure. I tried to work out a plan to catch up and get back on track, the attorney told me they wanted to terminate the relationship. I offered TD Bank $ XXXX  to apply anyhow they wanted and they refused my payment. I am in foreclosure and they received final judgment. I wanted to work this out but was unable. I later learned that I should have paid the loan rather than what TD Bank, specifically XXXX XXXX, advised me to do. They told me to pay the taxes first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: T.S. Holdings
State: MO

Complaint narrative:
XX/XX/2022 ( between XXXX and XXXX CT ) I started out offering to take care of the debt owed. I only asked that it be removed off of my credit report, or for them to send me a letter or email stating that it will be removed from my credit report upon payoff of the ddebt. The lady I had spoken with stated she would ask what she could do to get it removed. She stated her supervisor wasn't going to send me any correspondence about removing it, but that it would be removed if I paid it off in full by the end of the month, that's what they were requiring. I told her I couldn't do that, she asked how much I could pay, I said {$50.00} a month until it's paid off. She said to let her talk to her supervisor about it, moments later he came on the phone aggressively telling me that he isn't sending anything and it had to be paid in full by the months end or it wouldn't be removed from my credit. I said I need to have proof it'll be removed they said again that they wasn't sending anything about it to me. I said it's unrealistic for me to pay it off by the end of the month since I have other bills to pay, and XXXX that live with me. I said again I can pay {$50.00} a month until it's paid off, he said he doesn't need me to pay anything because they have my work info and they'll take me to court that he doesn't care, and he was talking over everything I was saying so I toldld him not to threaten me, and I told him I was disconnecting the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.

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 2022-04-07 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: NC

Complaint narrative:
In accordance with the fair credit reporting act convergent account XXXX # XXXX financial data sys # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

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

! 5 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.

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 2022-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bonded Collectors of Wisconsin, Inc
State: WI

Complaint narrative:
They have been calling me for over XXXX  years. Over and over and over. They just keep calling. I have told them repeatedly to STOP calling me. They don't care, they just keep harassing me. I have never recieved anything in writing proving this debit and it has now turned into harassment and I want it to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation