vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: TX

Complaint narrative:
42 U.S. Code 1320d9 - Application of HIPAA regulations to genetic information The Secretary shall revise the HIPAA privacy regulation ( as defined in subsection ( b ) ) so it is consistent with the following : ( 1 ) Genetic information shall be treated as health information described in section 1320d ( 4 ) ( B ) of this title. 
( 2 ) The use or disclosure by a covered entity that is a group health plan, health insurance issuer that issues health insurance coverage, or issuer of a medicare supplemental policy of protected health information that is genetic information about an individual for underwriting purposes under the group health plan, health insurance coverage, or medicare supplemental policy shall not be a permitted use or disclosure. 
( 3 ) HIPAA privacy regulation The term HIPAA privacy regulation means the regulations promulgated by the Secretary under this part and section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 U.S.C. 1320d2 note ). 
I have disputes regarding information that is being reported in my credit file. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Neither Transunion, XXXX, nor XXXX can accurately validate/verify the debt owed as it is not allowed under the HIPPA Privacy Rule. 
15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
My complaint is as follows : The XXXX XXXX XXXX XXXX XXXX XXXX and Myself have been trying for months to get a reinstatement statement for the Forbearance amount. 

Due to the mortgage company not replying to my/our requests, my property is now in the foreclosure process. This could have been avoided if they answered our requests. It is their fault for my property going into foreclosure as they did not provide the requested reinstatement letter when it was requested. 

They are also charging fees for foreclosure to the point that my principle has increased. It has gone from {$320000.00} to {$350000.00} a difference of {$29000.00} Again, this is the fault of the mortgage company not providing the reinstatement statement when it was initially requested i.e prior to any thought of a foreclosure. 

It is to note that the XXXX XXXX XXXX XXXX XXXX XXXX has been dealing with this mortgage bank longer than myself ( XX/XX/2022 ). I was asked to help get a reinstatement statement for the forbearance amount. 

The following is my communication with the mortgage company. 

1.I contacted the Mortgage company via uploaded to portal ( XX/XX/XXXX ). 
2. Mailed ( XX/XX/XXXX ). 
3.Spoke to a mortgage representative for in the foreclosure department ( XX/XX/XXXX ). 
4. Faxed to XXXX ( XXXX ). 
5. Emailed to XXXX ( XX/XX/XXXX ). 

I also stated the urgency for the reinstatement statement. As I was told by the foreclosure representative that I can request it be expedited and sent to my XXXX email. 

See attached letter that was communicated to the mortgage company with no reply. If there was/is a class action law suit I would happily join it. 

According to yelp reviews I am not the only one with the current issue or issues in general with this mortgage bank. https : XXXX I thank you in advance for you assistance. 

regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I used XXXX to make two payments on Friday, XX/XX/2022 through Zelle- both payments were for {$310.00}. 

Both payments are listed as 'processing'- neither one has been paid and I am being told that it is impossible to cancel the payment. 

I was told on Friday by XXXX that it would take 2 business days to process because of an OFAC investigation and that there was nothing they could do. It is now Tuesday. The payments are still showing as 'processing. ' The XXXX representative told me today that it could take up to six days. XXXX still claims they still can not cancel the transfer. They recommend I pay the person I owe the money to in a different way and then hope that person gives me back the money if an when the Zelle payment actually goes through! 

There is no way to speak to someone at Zelle. They claim it is up to XXXX to address the problem. XXXX claims it is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: FL

Complaint narrative:
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXXXXXX XXXX  INQUIRED ON XXXX XXXX, XXXX XXXX XXXX INQUIRED ON XXXX XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: FL

Complaint narrative:
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXX CARD INQUIRED ON XXXX XXXX, XXXX XXXX XXXX  INQUIRED ON XXXX XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON 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 non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have contacted the bank multiple times about this issue that happened on XX/XX/XXXX where someone stole money from my card. They have denied my case twice even though I closed the card and I obtain a police report. There is no reason to not give me my money back. And they keep making excuses saying I need this or that or it's closed or something when it shouldn't take almost 2 months to give me my hard earned cash back. I was not doing this transaction and I thought it was an error at the atm I had went to the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 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 ) 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-06-21 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 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  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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-06-21 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
THIS IS NOT A DUPLICATE. Re : Complaint No. XXXX The response given to the last complaint is not valid because PRA is still harrassing me. I sent in multiple cease and desist notices however, in each response they are continually going unregarded. This is a violation of the FEDERAL LAW. And it appears that this company is practicing racketeering. 

I have sent this company multiple cease and desist notices and one multiple occurences this company has failed to comply which is a violation of federal law! This company is conducting deceptive business practices and I, a federally protected consumer, am suffering due to them extorting me and falsely furnishing inaccurate information on my consumer report. 

Since XXXX, PORTFOLIO RECOVERY has been ruining my reputation. As a result of PORTFOLIO RECOVERY illegally and unlawfully furnishing such negative reports to my consumer report, some of the following has occurred. 

Since XX/XX/XXXX, I have been XXXX  due to my consumer report ultimately being the cause of me not getting approved for the apartments I have applied to. This, in result, has caused me a great deal of stress and anxiety especially being a full time working mother that XXXX. The amount of added stress this has caused me has also caused my child to suffer due to me producing less XXXX XXXX to XXXX, per my medical doctors observation. PORTFOLIO RECOVERY has unlawfully broken several laws and I, the consumer, have been left to suffer. I cry myself to sleep every night hoping that my suffering in my life with a negative consumer report will soon be over one day soon. This issue has caused issues within my personal relationship with my partner and other family members as well. My parents and siblings have been approached and harassed at their own homes and recieved many harassing and threatening phone calls. These occurrences have left them feeling unsafe and threatened at their very own front door. These threatening and deceptive practices are causing arguments within my family and my personal life. 

The attached documents that PORTFOLIO RECOVERY submitted as a response to my original complaint do not show anything more than an application for credit. I do not see my wet signature on any of the documents provided. I also do not see where I am obligated to pay anything based off of the copy of the contract that was attached. I do see several discrepancies in this alleged contract which makes it NULL AND VOID. Pursuant to 15 USC 1605, the finance charge is defined as the sum of all charges. PORTFOLIO RECOVERY violated TILA. As a consumer, I am protected by the Truth In Lending Act that PORTFOLIO RECOVERY openly violated. 

This company is also in violation of the Gramm-Leach Bliley Act pursuant 15 USC 6801 . 

Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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