vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Armstrong and Associates, Inc
State: MS

Complaint narrative:
The law office of Armstrong and Associates located in XXXX, XXXX  called and left me a voicemail without disclosing that this communication was an attempt to collect a debt. I only discovered that this was a debt collector by XXXX  the number left in the voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Dear CFPB officer, My mortgage got transferred on XX/XX/2022 to PNC Mortgage from XXXX. The new mortgage servicer PNC notified me via mail around late XXXX that I need to have XXXX insurance, which I bought it from XXXX ( $ XXXX ) upon receiving the notice. As expected, the insurance effective date was set to XX/XX/2022 by the insurance company. However, PNC then sent me another mail which I received on XX/XX/2022 telling me PNC will charge me {$90.00} to cover the gap between XX/XX/2022 - XX/XX/2022. There's no issues/damages to my condo ( it is still a quite new building ). 

How come PNC wants to charge me for insurance to cover a period IN THE PAST, when there's no issues/damages? Also the gap is completely caused by the delay of PNC informing me about the insurance requirements. 

I have since called PNC Mortgage trying to remove this {$90.00} charge but was told that they still want to charge me the {$90.00} for the gap, which to me is just another example that banks getting creative to charge outrageous fees to their customers. 

Would greatly appreciate your help to push PNC for a reasonable resolution. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
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 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 Bankruptcy discharge : ref # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I placed a fraud alert to help protect me as advised. I am now attempting to apply for a loan through a credit union who can not pull my Experian credit report due to the consumer statement that needs to be removed. I contacted Experian and they assured me through the dispute process the entry was removed. This took place over XXXX hours ago which is their maximum processing time. I called them to confirm since it still shows on my report. I was lied to and given the run around for hours while trying to fix a very simple issue I am an identity works customer and am able to verify my information and have several times but am getting nowhere I need help please advise as Experian customer service program is detrimental to the security of MY LIFE!!!!

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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good morning and happy holidays I was just notified that Bank of America denied my claim i made for fraudulent charges from XXXX. 

The fraudulent charges added up to $ XXXX and they began around XXXX am on XX/XX/XXXX. I reached out to BofA as soon as i saw the charges and i was told i have to call back once the charges post which i did. 

Tried multiple times to reach XXXX and also sent a total of XXXX emails between XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX along with multiple phone calls which i have not received a response to. 

The account was hacked and whoever hacked the account changed my login information, Email address, Phone number and whatever other information they did since i still do not have access.

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 2022-12-19 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: LEXISNEXIS
State: GA

Complaint narrative:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a XXXX XXXX XXXX XXXX. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: MS

Complaint narrative:
I have not received any notification from Monterey Collection Services that was reported to the credit bureau on XX/XX/2022 nor any documents to dispute such debt. In fact, I have not received any billing statements from this company with any financial agreements. I reported this company for fraudulent practices, including falsified documents. I have requested numerous times for documentation containing my signature as verification, but have still not received any such documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account balance is showing up incorrect on my report and this needs to be updated or removed asap. 

Account name XXXXXXXX XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX  Status Paid, Closed. {$2.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$500.00} Highest balance {$2900.00} Terms NA Payment history 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current on payments XXXX  Charge off XXXX  No data for this period Payment history guide Charge Off as of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to Marshalls on XX/XX/XXXX. XXXX XXXX, CA. I was encouraged by the store cashier ( who was the manager ) to apply or a REWARDS CARD. I questioned her several times to make sure it is a rewards card and to make sure I did not already have an account. I then agreed to the REWARDS CARD SHE WAS OFFERING, the screen prompted questions regarding income and personal information, my social. I asked the cashier why that was needed and she says, " oh it's not for us to see but just a part of the process ''. I then ask why do you need my personal info for a rewards card? She said oh, thats just what they require but we dont see any of it. I thought it was strange and asked her again, this is a rewards card right? YES. she replied. Transaction goes through. I hand her my XXXX card for my purchase and she gives me just a receipt with nothing else. I get to my car and see the inquiry on my phone and I am now LIVID. I called immediately to the store to have them correct this as I did not agree to a CREDIT CARD, ONLY TO A REWARDS. She gives me a number and I contact the number which appeared to be Synchrony Bank, I explained the details to a rep named XXXX and they assured me that they would submit the information to the Bureaus and cancel the account since I did not authorize to become a credit card holder. Over this passed weekend XX/XX/17, I received several notifications for inquiries and new accounts via my XXXX  account. This account was opened in a misleading way. I am not nor have expressed any interest in a Marshalls credit card especially considering I have several high limit credit cards. I was lied to on what type of account it even was and need these unauthorized account and inquiry removed from my credit profile as their practice is obviously misleading and illegal. They never informed me of the use of my credit nor did they advise me that it was a CREDIT CARD i was kapplying for. I havea tried to contact XXXX and XXXX but they keep hanging up in my face unwilling to helpThank 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 2022-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB XXXX placed this account on my credit report on or around XX/XX/2022. In XX/XX/2022 I contacted NCB and stated the issue related to this account and were advised to mailed all my supporting ( fraud ) documents in for review in which I did and all were received on XX/XX/2022. I have contacted NCB several times related to such, I am getting the run around ( advising me to call back on different days, speak with mgt, account on hold ). 

On XX/XX/2022 I called in at or around XXXX and a agent advised me a member of XXXX was not in and to call back within 30 minutes in which I did and spoke with a XXXX, he advised me an email was sent over to XXXX and to call back in 24hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Purchasing an item through XXXX XXXX. Sent money through XXXX. The persons account was hacked and it was not who they were portraying to be. Sent the money, never received product. Complaint filed with bank within XXXX hours. They stated there is no way to get the money back even though it was sent to someone impersonating another.

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 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: MN

Complaint narrative:
I received a prepaid XXXX XXXX without requesting it. I called and cancelled the card.

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 2022-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH

Complaint narrative:
I received notice that Carrington Mortgage Services is now servicing my Veterans United Home Loan. The XXXX page letter does not contain any information regarding the valdity of this transfer. There is also not instructions on how to make automatic payments. The servicer wants me to mail my mortgage payment ( does not even list the payment amount ) to a specific address. I do not know the validity of this and do not know if this is a fraudulent notice trying to get me to pay them my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: GA

Complaint narrative:
The account hasnt updated on my credit report since XXXX of XXXX. I was in a bankruptcy that end around XXXX of XXXX and I have called multiple of times to get the account to update it status and nothing was done. I filed a complaint with Trans union in XXXX and XXXX XXXX XXXX did nothing. So in XXXX of XXXX  I bought a new car and the XXXX XXXX was payed off that same month and when I checked my credit report this month it still shows on my credit report as a open account with a zero balance and shows Im still under a wage earner plan that Im no longer under.

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 2022-12-19 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:
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 XXXXXXXX : # XXXX. 

XXXX XXXX XXXX XXXX # XXXX. 

XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  Bankruptcy discharge : ref # 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 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 2022-12-19 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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX : # XXXX. 

XXXX XXXX XXXX XXXX # XXXX. 

XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Bankruptcy discharge : ref # 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 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 2022-12-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This Los an advisory that this account by the name of designed receivables has been knowingly and wrongfully reporting onto my credit report. I have sent this agency disputes which I will attach copies of here and they have been reading them and willfully choosing not to reply, this is grounds for removal and I will attach green return label for proof they chose to ignore me rather than to apply accordingly to my dispute letting them know they are illegally and wrongfully reporting to my consumer report. I AM ALSO REQUESTING PROPER AND COMPETENT VALIDATION OF THIS DEBT AND HIPPA AUTHORIZATION, A BREAKDOWN OF FEES INCLUDING ANY ALL COLLECTION COSTS AND MEDICAL CHARGES, A COPY MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY PRIVATE MEDICAL INFORMATION TO THEM, AND TO STOP ALL CREDIT BUREAU REPORTING UNTIL THIS DEBT HAS BEEN PROPERLY AND COMPETENTLY VALIDATED NOT VERIFIED BY ADDRESS THAT I HAD TO PROVIDE TO THEM CAUSE WHEN I CALLED THEY DIDNT EVEN HAVE MY ADDRESS ON FILE ( recorded )

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 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-12-19 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: GA

Complaint narrative:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-12-19 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: World Omni Financial Corp.
State: GA

Complaint narrative:
The account hasnt updated on my credit report since XXXX of 2022. I was in a bankruptcy that end around XXXX of 2022 and I have called multiple of times to get the account to update it status and nothing was done. I filed a complaint with XXXX XXXX in XXXX and Southeast Toyota Finance did nothing. So in XXXX of 2022 I bought a new car and the XXXX XXXX was payed off that same month and when I checked my credit report this month it still shows on my credit report as a open account with a XXXX balance and shows Im still under a wage earner plan that Im no longer under.

Company response to consumer: Closed with non-monetary relief