vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
To Whom It May Concern : I am attaching all the information regarding PNC 's handling of my Flood Insurance. 

I received a letter from PNC dated XX/XX/2022, stating that they want to charge me for an Anticipated Escrow Disbursement for Flood Insurance starting XXXX. Not only that they are creating this escrow account, but they are increasing the value of my Flood Insurance. ( See the document attached ). 

However, according to the terms of my Mortgage documents and Deed of Trust, it is my responsibility to pay my tax bill, insurance premiums, and Flood Insurance directly. Furthermore, my flood insurance has already been paid until XXXX. ( See documents attached ). 

PNC Bank is giving me and my Insurance Agent conflicting reasons on why they are doing this. They stated that their Flood Insurance Department reviewed my loan and re-established the escrow account due to Biggert Waters Act, which is why I am bringing this issue to your attention. I can not afford this increase, and I won't be able to pay twice in one year for Flood Insurance. 

I have been very responsible for managing my Flood Insurance and desperately need your assistance. 

I appreciate any help you can provide. Your support is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My bank information was stolen and someone logged into my account and tried to send money to overdraft my account illegally..so I called regions and they told me there was nothing they were gon na do because the person logged in with my information insinuating I was involved with this..so ever since then I have not been able to open with any bank..also when I asked can u send me why Im blacklisted they sent a paper that says XXXX XXXX XXXX told them not to..then in the same paragraph said thats not what they used to make their decision..I just want a proper explanation because I really need a bank account

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On Thursday XX/XX/2022 @ XXXX XXXX  I received an email from XXXX XXXX XXXX XXXX regarding A Credit report alert stating that my credit score had decreased by XXXX points. 
On Friday! ! XXXX, I contacted XXXX XXXX XXXX XXXX XXXX which I have Savings and Checking accounts with and an auto loan. I was told by a XXXX associate that I should contact Trans Union Credit Bureau because that is where they received this information. I immediatly contacted them and spoke with a agent who reviewed my information and could give me no reason why my credit score had been lowered by XXXX points and advised me to request a free trans union credit report and purchase for XXXX cents my credit score. I did all of the above, reviewed my report and score and can not understand why my score was decreased by XXXX points. The report shows 4 positive factors and 4 negative aspects. 

Positive Aspects 1. Total of all balances on bankcard or revolving accounts is not too high 2. You have few or no accounts that were opened recently 3. There are no or only a few recent delinquencies on your accounts 4. The balances on your accounts are not too high compared to loan limits Negative Aspects 1. Lack of sufficient credit history on bankcard or revolving accounts 2. Balances on bankcard or revolving accounts too high compared to credit limits 3. Lack of sufficient relevant first mortgage account information 4. You have either very few loans or too many loans with recent delinquencies Looking at both of these aspects, Positive # 1 contradicts negative # 2 positive # 3 contradicts negative # 4 My mortgage is 2 years and 7 month old with the XXXX XXXX XXXX XXXX XXXX, always paid on time with a balance of {$260000.00} I have absolutely NO DELINQUENCIES I spoke to an Agent on Friday who could not or would not answer any question, when I asked to speak to a supervisor i was told i would receive a call back within 72 hours at XXXX XXXX  EST. I did not, I called back today and first spoke to XXXX who suggested that I open a new credit card, which may help, and I asked for someone who could answer my question and was transferred to XXXX, who was very nice but could not rectify the problem. 

I feel this is a scam to try to get me to subscribe to their credit protection service for {$24.00} a month or get me to apply for more credit cards.I would like my credit score returned to where it should be XXXX. 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 2022-11-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent the credit 6letters asking them to verify the late payment on my report. They have sent back stating that everything is verified correctly. According to my findings, XXXX XXXX XXXX  is reporting a late payment date on XX/XX/2021. Where as XXXX and XXXX XXXX are reporting different dates. This account was never late and these dates are reporting incorrectly. Which has damaged my credit score Tremendously. 


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. 

XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: OH

Complaint narrative:
Applied for the loan and received the payment information. The amount was fine but was unaware it would be deducted so many times during a 30 day period. Upon further investigation the interest rate is well into the 300 %. When given the initial terms it was not clearly disclosed that the interest was that high and the payments would be several times a month! This is unreasonable and is affecting my bank account. My account is in the negative every week because of this ridiculous loan. I need it to be canceled and offer a cheaper payment or a cheaper settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
I am writing on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX ( the owners ) regarding their mortgage on XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The house has been sold, and XXXX XXXX XXXX, XXXX. was the attorney who handled the closing at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Prior to closing, a payoff letter was requested from the lender by the attorney and the owners on XX/XX/2022 at XXXX XXXX ( the servicer, XXXX XXXX, for PHH Mortgage Services, sent this letter for account number XXXX ). The attorney received the payoff letter on XX/XX/2022 and closed the transaction on XX/XX/2022. After closing, the attorney sent the certified funds for payoff to PHH Mortgage Services with an additional six days of interest to cover any additional time past the payoff date. 
The following week, the check had not been cashed and the attorney asked that we check in with the lender. XXXX called the lender, and the lender indicated the payoff was short {$950.00} due to the fact that the lender had sent an escrow payment to XXXX XXXX XXXX on XX/XX/2022 ( the day after settlement ). XXXX was instructed to wire funds to make up the difference which he initiated with XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. This was approved by XXXX XXXX XXXX 
A week later, the funds were sent back to XXXX, and the certified payoff funds check was sent back to the attorneys office. The attorney followed the instructions again, asking for a new payoff letter and has not received anything to date. XXXX and I ( his Realtor ) called XXXX XXXX at XXXX XXXX today ( XX/XX/2022 ), and waited on hold for three minutes, and then were disconnected after the phone was answered. We called back at XXXX XXXX  and had a 14 minute conversation with XXXX ( XXXX ) who is requesting another payoff letter through XXXX XXXX escalation team. 
A few things need to change within XXXX XXXX PHH Mortgage Services regarding their internal process for handling payoff requests. They may want to consider the best practices of other lenders that do this without issue. For starters, their system should recognize if an escrow payment is being sent within seven days of an expected payoff, forcing it to be kicked out for manual review. Had this happened, the tax payment would not have been sent causing a negative balance. 
These errors have now caused delinquency on both XXXX and XXXX credit reports, which should be removed due to the issues during this payoff. Additional late fees and interest should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: DigniFi
State: TX

Complaint narrative:
In accordance this the Fair Credit Reporting Act this creditor has violated my rights. Under the 15 U.S. code 1681 section 602 states that I have a right to privacy. 15 U.S code 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. code 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
My auto draft was turned off by Kia for my last payment and I was not notified. Letters were mailed to my old address after requests were made to update address and phone number on multiple occasions and was never processed throughout all Kia systems. I checked my credit report, as I regularly do, and noticed my score went down by over 100 points. I called Kia and to say that the supervisor was no help would be an understatement, she hung up on me. I was not yelling, cursing or belittling her in anyway. I clearly was just another customer complaining to her that she had no empathy for. I was shocked how I was treated. She mixed her words saying things like " You should submit your request in writing '' but also saying " They will not fix this '' when I asked why submit this request in writing, the supervisor said for " Peace of mind ''. I did not request or authorize the suspension of auto draft on my account and thank God I noticed it within 60 days but that was 60 days too late. II had a 0 % APR with Kia because my credit score was soo good. Now I this late payment will effect my score for 7 years because of a change made by the company I did not authorize. This makes no sense and Kia is apparently not willing to accept any responsibility.

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 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I talk to this company about a account that I did not consent to and I wanted the company to delete my information under the California Privacy Act I was denied my rights I also was denied the information I was asking for pertaining to the account number is # XXXX which was created from XXXX cell phone company and they sent it collections a company called Convergent. I talked with a supervisor by the name of XXXX XXXX from Convergent and she told me that they do not have to send me the documents Im asking for which would be billing statements phone usages and a sign agreement and for information to be removed I was denied this from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, XXXX and XXXX XXXX accounts on my credit reports should be listed as paid, however they are being listed as charge offs. I have contacted the credit bureaus to resolve this issue however the issue still hasnt been resolved.

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 2022-11-08 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: FL

Complaint narrative:
These companies are reporting my information without my consent. I sent them notice that I am aware I'm of the fraudulent reporting. According to my federal laws 15 U.S. Code 1681b - Permissible purposes of consumer reports they need my permission to report my information and I haven't given them my permission

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 2022-11-08 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: PA

Complaint narrative:
XXXX, XXXX and Transunion are taken advantage of me by furnishing items on my Consumer report without my Consent. This is Identity Theft define by 18 usc 1028 ( a ) I did not consent to anyone to furnish anything on my consumer report. The are also Violating several other FDCPA LAWS as well as FCRA. My right to Privacy, Permissible Purpose. And 15 usc1666 Billing Error. They are reporting Fraudulent late payments on my report as well. I Demand they remove all Fraudulent/ Inaccurate accounts from my report in Accordance to the FDCPA and FCRA 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 2022-11-08 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: PA

Complaint narrative:
Equifax, XXXX and XXXX are taken advantage of me by furnishing items on my Consumer report without my Consent. This is Identity Theft define by 18 usc 1028 ( a ) I did not consent to anyone to furnish anything on my consumer report. The are also Violating several other FDCPA LAWS as well as FCRA. My right to Privacy, Permissible Purpose. And 15 usc1666 Billing Error. They are reporting Fraudulent late payments on my report as well. I Demand they remove all Fraudulent/ Inaccurate accounts from my report in Accordance to the FDCPA and FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: CCS Financial Services, Inc.
State: OR

Complaint narrative:
Credit collection services is mistakenly reporting on my credit. I settled the balance with the original creditor XXXX XXXX XXXX and they advised me that the collection will be removed. Please find proof of payment attached to this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile has multiple inquires that were not made by me I have submitted a complaint almost 60 days ago and still nothing has changed please remove these fraudulent inquires. I have mailed my ID and SSN and theft report multiple times and still havent gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On my Walmart Rewards card ending in XXXX I have set up AUTOPAY on the bill due date for the MINIMUM AMOUNT DUE. 
For the XXXX through XXXX billing period I paid the bill and then some ( XXXX {$18.00} ; XXXX - {$300.00} ) early. Capital One 's website acknowledged ( see attached screenshot ) that a minimum payment was no longer due thus negating the ACH authorization. 

On XXXX Capital One attempted to process a payment of {$28.00} without my authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a Paypal account and there were charges on it I did not do. I do not have the dates cause can't get into the account because I closed it. They have sent a delinquent payment to the credit bureau which has caused my credit score to drop over 55 points.

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 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I sent {$170.00} to purchase shoes from a seller, ( XXXX, cash app name XXXX XXXX, my cash app name is XXXX XXXXXXXX. ) through cash app on XX/XX/XXXX. Today is XX/XX/XXXX, I have not received my shoes. Ive reached out to this company XXXX  per their business email XXXX SEVERAL TIMES, With no response on exactly where my shoes are or a tracking number. Ive also tried to reach out to the company via their XXXX XXXX. I have purchased from this seller before without any problem. On XX/XX/XXXX, I filed for a refund through cash app. My request was denied from the seller, XXXX. Cash app needs to send my money back! I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 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 explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
XXXX TransUnion I made several requests to get my credit reports by phone and mail they both refuse to properly update information. XXXX has the wrong birthday and collection reporting and inquiry errors no score or report this is null and void since it's incorrect personal information. TransUnion wrong physical address phone and email collections and Inquires wrong refuse to update or fix no credit report or score. XXXX  wrong inquiry 's nd collections.

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