vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I am consumer XXXX XXXX and my federally protected rights have been violated by PENNYMAC LOAN SERVICES. I do not have a contract with PENNYMAC LOAN SERVICES. I've requested that PENNYMAC LOAN SERVICES send the FORWARD FLOW AGREEMENT BETWEEN THEM AND XXXX XXXX. I've demanded that PENNYMAC validate this alleged debt pursuant to 15 U.S.C. 1692g, and to verify alleged debt with sending the name and address or original creditor. PENNYMAC has not done the things listed above. I demanded proof of PENNYMAC giving me a loan.

PENNYMAC LOAN SERVICES has not given me my right to rescission under 15 U.S.C. 1641 ( c ) of a transfer of loan. Under the CFPB 1026.23 Right of rescission has to be given in a consumer credit transaction. PENNYMAC IS IN VIOLATION OF THESE SECTIONS.

PENNYMAC LOAN SERVICES has continued to harass the consumer for payment and threatened me to seize my consumer property on XX/XX/2022, which is false misrepresentation pursuant to 15 U.S.C. 1692e ( 4 ). PENNYMAC LOAN SERVICES has sent unknown individuals to my property without my consent to harass and violate my individual privacy of the consumer. I serviced PENNYMAC LOAN SERVICES a CEASE AND DESIST and they persist to harass me as a consumer and natural person not obligated to pay any debt not owed. PENNYMAC LOAN SERVICES is a third party debt collect and must abide by the Fair Debt Collection Practices Act, & Truth in Lending. PENNYMAC LOAN SERVICES has failed to properly respond to my AFFIDAVIT OF TRUTH IN WHICH LEGALLY HAS TO BE ANSWERED BY AN AFFIDAVIT OF TRUTH AS WELL. PENNYMAC HAS SENT COPIES OF A CREDIT TRANSACTION THAT THEY WERE NOT PRESENT FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Auto Pay for Macy 's credit card was activated on the wrong credit card account. I spoke to Macy 's customer service. Macy 's indicated that the previous account ending in XXXX was mistakenly not closed. Therefore, the new account ending in XXXX did not need to be opened. The Macy 's representative I spoke to on XX/XX/2022 removed all late fees for the new card ending in XXXX, and I made a payment for the balance remaining of {$310.00}. I was advised that the previous account is now closed ending in XXXX. I am asking that the late payment status from all Macy 's accounts with all credit reporting agencies remove the late status. Thank you! 

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 2022-06-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, also act 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 non-monetary relief
Consumer complaint received 2022-06-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, also act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
According to my notes this account was sold are was giving to I do not no p

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I notified Experian via certified mail that I am requesting the method of verification for the disputed account listed below within 15 days of the date on the letter. Experian has failed to acknowledge my request or to comply with my request in the time allowed. Please see letter attached that was sent to Experian via certified mail on XX/XX/XXXX. 
Disputed Account : XXXX XXXX  Account Number : XXXX Date : XX/XX/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 2022-06-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
From XX/XX/XXXX to date I have tried to communicate with the credit bureaus through letters to validate some accounts that are being reported erroneously in my credit report, but the credit bureaus have completely ignored me already that, they have never given me results and they have not sent me answers via email. That is, they have violated my right to request information on my credit. For this reason I was forced to submit this complaint through this portal.In fact, one of the collection agencies intends to sue me just because I asked them to re-investigate the account since it was a collection account with the status " Open '' Which is wrong and can not be on the credit. 

I hope you can help me.

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 2022-06-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
From XX/XX/XXXX to date I have tried to communicate with the credit bureaus through letters to validate some accounts that are being reported erroneously in my credit report, but the credit bureaus have completely ignored me already that, they have never given me results and they have not sent me answers via email. That is, they have violated my right to request information on my credit. For this reason I was forced to submit this complaint through this portal.In fact, one of the collection agencies intends to sue me just because I asked them to re-investigate the account since it was a collection account with the status " Open '' Which is wrong and can not be on the credit.

I hope you can help me.

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 2022-06-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 instruction.

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 2022-06-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- Bankruptcy XXXX # XXXX, # XXXX -- XXXX # XXXX -- XXXX  XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- XXXX XXXX  XXXX  # XXXX -- XXXX # XXXX -- XXXX/XXXX XXXX # XXXX -- XXXX XXXX  # 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

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 2022-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had a voicemail this morning ( XXXX ) from CitiGroup asking me to call to approve a new Best Buy credit card application. I was told to call XXXX XXXX XXXX and give reference number XXXX XXXX XXXX. I did not apply for a new credit card. I chatted online with Best Buy and they told me to contact 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 non-monetary relief
Consumer complaint received 2022-06-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I notified TransUnion via certified mail that I am requesting the method of verification for the disputed account listed below within 15 days of the date on the letter. TransUnion has failed to acknowledge my request or to comply with my request in the time allowed. Please see letter attached that was sent to TransUnion via certified mail on XX/XX/XXXX. 
Dispute Account : XXXX XXXX Account Number : XXXXOpening Date : XX/XX/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 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted the following creditors regarding my accounts showing late payments and asked kindly for them to be removed but they will not remove them. I was never late on these accounts and demand for the profiles to be deleted from my credit report. 

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 ACCT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DEPT OF ED/ XXXX XXXX {$11000.00} {$8600.00} {$6300.00} {$5000.00} DEPT OF ED/ XXXX ACCOUNT NUMBER XXXX {$11000.00} {$8600.00} {$9900.00} {$5000.00} {$5100.00} {$3100.00} {$3300.00} 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 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 2022-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: AL

Complaint narrative:
On XX/XX/2022 I submitted an application to refinance my home with Lower.com. I advised XXXX XXXX that there were XXXX loans showing on my credit that were not mine ( they belong to the church that I am the financial officer for ). He told me that this was not a problem, that I would only need to submit bank statements from the church, showing where it is paying the loan and I did that. Fast forward a few weeks and I am told that is not enough, so I went to the bank, had the bank President write me a letter stating that the commercial loans were not mine and that they would be promptly removed from me credit report. I submitted the documentation to Lower.com and they said they had already made a determination based on the loans showing that I had been denied the loan. 

I ask what can I do now, and I was told that the loan application had been closed and that he could redo the application and everything should be fine. After numerous attempts to get to the closing table, Lower.com 's underwriters would not take in to consideration the fact that these items had been removed from my credit and that I had provided more than plausible explanation and documentation for the loans. 

After going as far as having the title clear to close, the appraisal and fulfilling every single requirement that was asked of me through XXXX loan applications, I am told by XXXX XXXX that he " doesn't think they are going to be able to make it work ''. I asked if they had pulled a new credit report and was told no they hadn't ( I already knew this because I monitor my credit on multiple platforms. ) I asked why they could not pull a fresh credit report, and was told that they would. THEY NEVER DID! Then I was told over the phone that they weren't going to be able to make the loan work. 

I was given two months of runaround by Lower.com which resulted in me having to work with another lender, all the while interest rates are climbing. I was locked in at 4.00 % and honestly think that they did not want to honor the interest rate lock and shut me down because of it! I never received any documentation stating a reason that the loan had been denied, as XXXX said. 

Seeing how I was not going to get anywhere with Lower.com, I went to XXXX XXXX to get a rate locked in with them. By this time, the best rate I could get was 4.99 % because of the climbing interest rates. By Lower.com doing this to me they have cost me over {$20000.00} over the life of the loan. I am beyond outraged with them and their lack of diligence. I had to contact XXXX 's supervisors on at least XXXX different occasions to get a call back from him. The last time, I was contacted by someone who represented himself as " a Vice President '' and was told that he would take over the account and work with me from thereon, and that after speaking to XXXX he would call me back by the end of the day. Well, the end of the day apparently still hasn't gotten here two months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
So here is the thing. Ive been trying to work this out since XXXX and nobody is helping me. Customer service has no answers. You can never reach a supervisor and they never call you back. I have sent over 50 emails with no response. I talked to a person at avant that said the company came to the conclusion the card was issued fraudulently. Fine. Now all i want is a letter saying im not responsible for the charges because avant said its fraud. One person tells you one thing and someone tells you something else. The agents constantly hang up on you. My next step is to contact a lawyer because ive had enough. Since avant investigated and said it was fraud i want my name cleared. I want it off my credit and i want the balance settled. This need to be worked out now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
In XX/XX/XXXX my hours were reduced due to COVID-19. I was granted a 6 month forbearance on my FHA mortgage serviced by Dovenmuehle. I resumed payments in XXXX of XXXX. I reached out to the Loss Mitigation to select how to modify my loan and went with putting the payments at the back of the loan. When asking if there was anything to sign, I was told by the representative that he was taking care of things over the phone. I wish I knew then what I know now. 

I then received a loan modification packet, not knowing what they were I called Loss Mitigation again. They said not to worry about it and I could toss it. I then received two more loan modification packets. I started to get nervous, I signed all 3 packets and had them notarized and sent them back, this all happened in XX/XX/XXXX. I was able to reach Loss Mitigation again to confirm receipt of the documents, they confirmed. Please note it would take multiple calls and emails in order to reach anyone to speak with. 

As mentioned, I resumed payments in XXXX in XXXX and never thought twice about it again. That was until I went to refinance my mortgage. I was asked for a loan modification document to show when the forbearance started, ended and what terms were agreed upon. The lender also needed an updated loan statement. I realized I had not seen one in a very long time, I make online payments through my bank. I reached out to Dovenmuehle 's Loss Mitigation department. This time is was even more difficult to reach someone, after much frustration I get a call back. They have no idea of what I'm talking about. I started getting mail stating I was in default, how is that even possible with a loan modification?! At the end of all of this back and forth, it has become obvious that Dovenmuehle never completed the loan modification and are showing me behind in my payments, which I am not. I'm angry that they hold my ability to refinance my home, I don't know what else I can do. They will not call me back, I haven't heard from them now for 3 weeks even thought I try every day. 

Please advise what I can do.

Company response to consumer: Closed with explanation