vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
I submitted a complaint on this issue but the bank did not address the issue. 

First complaint info : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 I have requested information related to how exactly my ARM interest amount is being calculated as I am entitled to discounts- but I have yet to see how the bank is taking this into consideration. 

The bank 's statement that they are giving me what I am entitled to is not sufficient - I want the breakdown and transparent communication regarding my rate.

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 2022-09-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a dispute to XXXX, Equifax XXXX XXXX. I have not received a response. I understand that I am given time to hear back but they are all out of time. Legally. 

I need them to remove the items on my credit report & also compensate me for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have previously complained about Portfolio recovery ( hereinafter PR ) and the complaint was closed and nothing was resolved. Complaint # XXXX as well as complaint # XXXX. PR has been negatively reporting to the credit reporting agencies causing my XXXX XXXX to drop significantly. I have requested validation of the alleged debt and PR has NOT issued proper validation of this alleged debt, contrary I have come to find out they had a claim against me in court. 
Furthermore, PR never sent me any first communication, yet in PR response to my dispute with the credit reporting agencies, PR sent me a " copy '' of a sold letter that allegedly was sent from XXXXXXXX XXXX. I have requested PR on several occasions including via email a copy of the alleged contract between XXXX and PR. and copy of the forward flow agreement. The invoice for how much they bought this alleged debt. All statements and documents provided to them by XXXX that made them believe this alleged debt was valid. Along with the statements as what they sent me was incomplete. I need someone's assistance with this company. PR does not care about consumers ' rights and they are just getting away with making consumers ' lives more complicated and stressed and causing the extension of credit difficult. 

Not only is PR in violation of several federal laws that protect me the consumer, but also PR has engaged in identity theft by reporting to the credit reporting agencies without prior authorization from I the consumer, and forging a fake contract. I have never contracted with PR nor given PR any permission or authorization to have use of my personal identifying and private information, let along make negative remarks on a public medium such as a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANKRUPTCY REF XXXX XXXXXXXX, XXXX XXXX BANKRUPTCY REF XXXX XXXXXXXX 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 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 2022-09-27 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANKRUPTCY REF XXXX XXXXXXXX, XXXX  XXXX BANKRUPTCY REF XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
inaccurate information

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 2022-09-27 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: AZ

Complaint narrative:
I have proceeded with several disputes advising that this information is not mine that the address on file is not mine refuse to delete information stating that it is accurate when it is not

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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I was mailed to my home an offer for new customers. I had to open a checking a checking account at CITIZENS bank and receive {$300.00} With the same offer, open a savings account and also receive {$300.00}. " XXXXXXXX XXXX {$600.00} FOR SWITCHING BANKS. After not receiving the money, I went my bank manager who assured I was qualified to get the money. He sent a formal complaint to and said Citizens that was all he could do. The bank would call me or just deposit the money. That was XXXX. The case number if XXXX. My manager said this has happened a lot with this advertising. I still have heard nothing. This is a type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I had just gotten out of the hospital and recieved a phone call from sunbelt credit who go through security finance and when I explained to them that I was able to make a payment because I had just gotten out of the hospital the woman on the phone XXXX who goes by XXXX started to cuss and yell at 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 2022-09-27 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: AE

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

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 2022-09-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 15 U.S.C 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 2022-09-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act inquiries XXXX XXXX XXXXXXXX XXXX XXXXXXXX  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 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: T.S. Holdings
State: TX

Complaint narrative:
Unknown number called me, only kept asking if this was " XXXX ''. I asked who was calling 3-5 times before the agent reluctantly disclosed who he worked for and that he was a client of a third party. He refused to provide details on why I was being called, what his position in the company was, and repeatedly threatened me with an array of actions he would use against me. The agent continuously interrupted me never answering my questions, but insisting I legally have to answer his questions. He accused me of : fraud, misrepresentation, breach of contract, and that I and my character are of very poor quality ( to put it nicely ). My XXXX  driver heard everything and even told me that he was harassing me with that call, someone with no interest in my affairs was worried about the conduct of the agent raises a number of red flags. The agent works for I.Q. Data International. Finally, he repeatedly tried to coerce me by threat of harm to pay him today or else I would face the threatened consequences. His demeanor was angry throughout the whole call. It is recorded. I am fearful for my well-being and financial status at the whims of a rogue collection agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX and Equifax selling information of unsuspecting consumers called trigger leads. 
I understand there is information regarding these leads being sold by the major credit reporting agencies and somehow making it legal to do so. 
I also believe there is an underline issue with this. Not just the fact that there isnt a single person whom I have spoken with who knows this is happening but also the fact that no consumer who has pulled credit for a mortgage has opt in to receive solicitation much less have there personal information sold to a number of mortgage brokers or lenders. 

I am a mortgage broker and I receive phone calls from clients asking me why they are getting between 10 and 15 calls per day, multiple times per day from other mortgage lenders trying to solicit business. Some claiming to be a partner of XXXX and just doing a follow up to make sure the client gets good service. I have an actual recording from a call. 

Do I tell my clients that there information is sold the minute they pull there own credit for a mortgage. it seems that if I am aware this happens then it makes me responsible to disclose the fact that this can happen and more than likely will happen but theres nothing I can do about it. Since the three major credit reporting agencies dont actually pull credit for consumers, they dont have any sort of permission to sell peoples information for profit. 

I received another call from a client this morning who stated he received 13 calls this morning from mortgage brokers or direct lenders, all from spam numbers ( robo dialers ). Coincidently I pulled his credit yesterday utilizing XXXX pro ( XXXX  mortgage ) online credit pulling service. Now XXXX doesn't sell information, I don't sell information but we both know the credit reporting agencies will sell it. So who is responsible for informing the client that by initiating a credit pull with us for a legitimate service there information will be sold to multiple people. 

This doesn't sit right with me, regardless of being legal or not it seems there should be some protection in the California privacy laws prohibiting this from happening to unsuspecting consumers. 

Last, I have asked every client I know, every friend I have and non of them understood that there information was actually being sold by the credit agencies, they thought they may have filled out an online form somewhere down the road that opened them up to solicitation but certainly not by a trusted credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, Experian and XXXX selling information of unsuspecting consumers called trigger leads. 
I understand there is information regarding these leads being sold by the major credit reporting agencies and somehow making it legal to do so. 
I also believe there is an underline issue with this. Not just the fact that there isnt a single person whom I have spoken with who knows this is happening but also the fact that no consumer who has pulled credit for a mortgage has opt in to receive solicitation much less have there personal information sold to a number of mortgage brokers or lenders. 

I am a mortgage broker and I receive phone calls from clients asking me why they are getting between 10 and 15 calls per day, multiple times per day from other mortgage lenders trying to solicit business. Some claiming to be a partner of XXXX and just doing a follow up to make sure the client gets good service. I have an actual recording from a call. 

Do I tell my clients that there information is sold the minute they pull there own credit for a mortgage. it seems that if I am aware this happens then it makes me responsible to disclose the fact that this can happen and more than likely will happen but theres nothing I can do about it. Since the three major credit reporting agencies dont actually pull credit for consumers, they dont have any sort of permission to sell peoples information for profit. 

I received another call from a client this morning who stated he received 13 calls this morning from mortgage brokers or direct lenders, all from spam numbers ( robo dialers ). Coincidently I pulled his credit yesterday utilizing XXXX XXXX  ( XXXX  mortgage ) online credit pulling service. Now XXXX doesn't sell information, I don't sell information but we both know the credit reporting agencies will sell it. So who is responsible for informing the client that by initiating a credit pull with us for a legitimate service there information will be sold to multiple people. 

This doesn't sit right with me, regardless of being legal or not it seems there should be some protection in the California privacy laws prohibiting this from happening to unsuspecting consumers. 

Last, I have asked every client I know, every friend I have and non of them understood that there information was actually being sold by the credit agencies, they thought they may have filled out an online form somewhere down the road that opened them up to solicitation but certainly not by a trusted credit reporting agency.

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 2022-09-27 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act National Credit Systems 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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I migrated from Peoples United to M & T bank as part of their take over on XX/XX/2022. On date after transition on XX/XX/XXXX, as instructed by M & T, I checked my new M & T account to see if my scheduled bill payments had transitioned. There were three scheduled payments for XX/XX/XXXX to three different credit cared accounts., and all appeared to transition successfully. On XX/XX/XXXX, I learned that only one of three payments were made as scheduled on XX/XX/XXXX, resulting in over {$250.00} in finance and late fees, and unknown damage to my credit score.. I immediately called M & T to see how they were going to rectify my situation. I was on hold for close to 3 hours. Finally, the individual who answered researched my issues. She told me that " on her side '', they only saw the payment that was made and not the others that were scheduled. It really made no difference to her that " my side '' told me all of the scheduled payments had transitioned. She advised me that it was my responsibility to reschedule any payments that were missing. I repeated that they were not missing when I reviewed my account on XX/XX/XXXX. How was I to know that M & T would " loose '' my scheduled payments between XX/XX/XXXX and XX/XX/XXXXXXXX? In sort, after 30 minutes of back and fourth on the same subject -- " her side '' wins and I am out {$250.00}. I have been through at least XXXX bank transitions after take-overs and have never experienced anything like this. Every transition I have been through, while unpleasant due to manual labor involved, was error free. How does a bank drop the ball like this for so many former Peoples customers and get away with it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Capital one has illegally & inaccurately reported late payments on my credit. 
Dates from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
In accordance with the Fair Credit Reporting Act this creditor ( Capital One ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation