vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My mother passed away in XX/XX/XXXX. Prior to her death, she had an IRA CD account in which the CD had matured XX/XX/XXXX. She was ill and together we attempted to close the account and move it to another institution. I received a letter in the mail dated XX/XX/XXXX saying the request had been returned unprocessed. I contacted PNC and spoke with XXXX XXXX and she said that she could not let me know why it was not processed without the power of attorney document ( my mother was too frail to speak on the phone ) It was not touched, nor were we given appropriate people to solve the problem. The money was put in an auto-renewal earning .03 % ( you know that isn't close to market ). I sent the power of attorney document to them on XX/XX/XXXX where it sat and they would not speak to me. Finally, I sent in the DSPOA for Ira accounts ( after consulting with my attorney ) on XX/XX/XXXX and then my mother passed away on XX/XX/XXXX. Part 2 : After death, this account was supposed to roll to myself and my 2 siblings under the 10 year rule after death, but PNC refused to do that ( my attorney contacted them several times and they refused and would not allow him to speak with their legal team ). I am responsible for the estate so I agreed to distribute their way, which was the trust as the beneficiary. I filled the paperwork out with one of their representatives on the phone, I submitted it on XX/XX/XXXX with everything that they instructed for me to include and I was supposed to have the funds in 7-10 business days. I contacted them today, XX/XX/XXXX and the papers haven't been touched. I asked to speak to a supervisor and they said that they don't do it that way, but they transferred me to a voicemail to a level up and the call should be returned by end of business on XX/XX/XXXX. I would like someone to help me get this money ( mailed with tracking ) so I can finish my fiduciary responsibility to the estate. I know it can't be done, but I would also like to be reimbursed for the loss of interest ( approximately {$2300.00} ) and legal fees ( $ XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I am a Consumer that currently reside at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX . I am writing this complaint because I originally filed a complaint with Equifax through the CFPB 's website on XX/XX/XXXX, CFBP case number : XXXX, in which Equifax responded back on XX/XX/XXXX. This response was outside of 30 to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Equifax responded on XX/XX/XXXX, stating that this account was, " NOT REPORTING '' on XXXX XXXX XXXX, Consumer 's, Equifax credit report. However, it's still reporting. After speaking with an agent at Equifax, which was mentioned in the latter complaint filed with the CFBP on XX/XX/XXXX, case number : XXXX, in which Equifax opened the complaint on XX/XX/XXXX. As of XX/XX/XXXX, the time frame for Equifax to conduct a reasonable reinvestigation has expired once again, pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ). Equifax willfully continues to not comply with Federal and Consumer Protection Laws. THIS NEEDS TO BE INVESTIGATED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I am a Consumer that currently reside at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX . I am writing this complaint because I originally filed a complaint with XXXX through the CFPB 's website on XX/XX/XXXX, XXXX case number : XXXX, in which XXXX responded back on XX/XX/XXXX. This response was outside of 30 to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX responded on XX/XX/XXXX, stating that this account was, " NOT REPORTING '' on XXXX XXXX XXXX, Consumer 's, XXXX credit report. However, it's still reporting. After speaking with an agent at XXXX, which was mentioned in the latter complaint filed with the XXXX on XX/XX/XXXX, case number : XXXX, in which XXXX opened the complaint on XX/XX/XXXX. As of XX/XX/XXXX, the time frame for XXXX to conduct a reasonable reinvestigation has expired once again, pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ). XXXX willfully continues to not comply with Federal and Consumer Protection Laws. THIS NEEDS TO BE INVESTIGATED IMMEDIATELY.

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 2024-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XX/XX/2024. I went to the atm drive thru in XXXX, MS . I requested {$1000.00} and the atm gave me {$880.00} the atm clap closed on {$120.00} and the money crumbled back into the atm. I immediately called the customer service number and the agent entered a ticket and advised it will take 10 days and I can speak with a teller. The bank was not open. I drove around and waited until the bank opened. I walked in and told the teller, she stated they have the problem all the time. I asked are they going to close the atm and she stated no. I informed her I know my money came out to the next person because the way it went back in. They did not care. The teller said I can request a credit until the investigation is complete. once the investigation was completed wells fargo took the credit back saying their atm balanced. I am sure it did balance because the way the money went back in my money came out to the next customer because they did not close the atm behind me. I escalated my issue to corporate and they declined it again. Wells fargo know their atm malfunctioned and took my {$120.00} and is refusing to give me my money. I live pay check to pay check and only work a part time job and I am a single mother. I need my money. I have been waiting since XX/XX/2024 and this has put me in such a bad positon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have received a letter Midland Credit Management with my address but with a different name telling me I owe an outstanding debt on a card I have never owned from a bank I have never done business with. I have checked with the credit report with the credit agencies and none have shown that card nor any outstanding debts or collections. I do not know when this first started, but I demand they stop billing me for a debt I do not own and leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC
State: WI

Complaint narrative:
My XXXX payment was showing 60 days late and my XXXX payment was showing 30 days late even though I enrolled in Autopay when I signed all my mortgage documents. It took several phone calls with UWM to find out they had the wrong routing number for my bank account.. ( this was provided to UWM by XXXXXXXX XXXX who sold my loan to them ). After we found out what happened and realized the late payments were not my fault they fixed my XXXX payment reporting. I requested they also fix my XXXX payment because it was showing late for the same exact reason.. They fixed my XXXX payment but not my XXXX payment even though we had discovered what happened and fixed whatever issue was going on with my account info they received. When paying the total amount overdue to make my account current they made me pay late fees. I have never missed a payment on anything and am deeply concerned with the gross negligence and mishandling of customer information between these two mortgage companies. This has ruined my credit score and I am having issues getting this fixed with UWM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: TX

Complaint narrative:
I sent in information that this is account was opened without my consent ( fraud ). This is a fraud account. I have tried reaching out to the this company multiple times with police report and FTC and they still have been in ignoring this situation.

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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
Complaint XXXX took more than 30 days to close and TransUnion did not address the issue reported.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-29 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: GA

Complaint narrative:
Immediate Removal of All Negative Items from Credit Report ( UCC-11 Declaration ) I Formally request the immediate removal of all negative items from my credit report under the Uniform Commercial Code ( UCC-11 ) declaration. No valid debt is in my name, and any negative entries are incorrect and unjustified. 

I demand that your agency : Conduct a thorough investigation into all negative items listed on my credit report. 
Verify the validity of these entries in accordance with UCC-11. 
Remove any and all negative items that can not be substantiated as legitimate debts. 
I expect a prompt response and resolution to this matter. Please confirm receipt of this letter and provide written confirmation once the negative items have been removed.

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 2024-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You are in violation of the FCRA for reporting an account that you were advised to remove from my credit report. In my CFPB complaint ID # XXXX to the collection agency, XXXX XXXX  XXXX XXXX they stated that you were informed in XX/XX/year> to remove the account XXXX from my credit report in which you failed. The company stated to give you 90 days to see any changes, but it has been well over the deadline and this account remains. I am demanding the removal of account XXXX XXXX XXXX XXXXXXXX within 7 days. Please see the response letter from the company and delete this account immediately.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft there are several accounts and inquires that I did not authorize nor do I recognize, i've tried to work with the credit company 's but they just sent me letters stating that the accounts were either verified or that i was using generated letters and I cant obtain credit because of these fraudulent accounts.

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 2024-05-29 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: NY

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-29 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-05-29 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: 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. 

XX/XX/XXXX, US DEPT OF ED/XX/XX/XXXX 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 explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Open XXXX {$15000.00} XXXX XXXX XXXX Open XXXX {$10000.00} XXXX XXXX XXXX XXXX Open XXXX {$3200.00} These debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by XXXXwo parties and i did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices according to the FDCPA they violated my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief