vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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 : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX SXXXX XXXX # XXXX Has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In 2021 I filed a report stating my social security was used to obtain XXXX XXXX as well credit card fraud. unbeknownst to me at the time I received a collections on my credit report. I then immediately filed a FTC report as well as other alerts to stop any further fraudulent activities as instructed by my cities police department. Not long after this these accounts were removed. I recently checked my credit report on all XXXX major credit reporting agencies and see that only on TransUnion do I have a negative report for this account. I am upset and very confused as to why after I have healed from the crimes committed against me this now reappearing on my account brings back all the feelings I had when dealing with this circumstance in the past. If I can not find remedy for this account soon I will take the next step because of emotional anguish this is causing because of the negligence of the collection agency in not doing proper investigations and protocol. Also according to XXXX XXXX Code XXXX ( XXXX ) ( b ) Obligations With Respect To Disclosures Of Personal Information states any Authorization or Approval of a specific extension of credit directly or indirectly by the issuer of a " Credit Card '' or similar devise needs to be excluded from a credit report. And the LAWFUL definition for " Credit Card '' is any card, coupon book, or other credit devise existing for the purpose of obtaining money, property, labor, or services on credit. In this case my social security number being used illegally/Fraudulently as a credit card to obtain labor and services on credit. Again I demand this account be deleted at once.

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 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX gave account that was closed to Jefferson Catial Collection, i turned them in to FTC.GOV last year and it was Charge-off as dischage.Today in Mail got it again Secret Letter No-Name ecept mine, but left top it has? Return Mail Only XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello, I'm writing due to an issue with submitting a PSLF form to FedLoan servicing. I've submitted the form twice and the most recent issue was presented via a letter stating that the form I submitted contains missing information in section 3. However, when reviewing the section, the questions that were left blank are due to the previous question in that section saying " Yes- Skip to section 4. '' Since the response to that question in my case was Yes, the 2 remaining questions were skipped and I continued to Section 4. I spoke with a representative from FedLoan on XX/XX/22 who advised me to answer " No '' to the 2 remaining questions and resubmit. However, answering No to those questions does not accurately describe my situation and I fear answering " No '' would be inaccurate and could cause a denial. I waited on hold for 3 hours to speak with a PSLF counselor to verify this advice given by the representative, and was not connected. I was given a 60 day time period to respond to this " missing information '' but can not get ahold of anyone at the service for assistance. Three hours on hold is not a reasonable amount of time to wait. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Prior complaint XXXX submitted XX/XX/XXXX. Company claims to have fixed the problem. I received this email on XX/XX/XXXX : We're updating the Online Access Agreement When you enrolled in Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, or Wells Fargo Advisors online services, you reviewed and accepted our Online Access Agreement ( OAA ). 

An updated version of the OAA will go into effect on XX/XX/XXXX. You can view a summary of changes and view the updated OAA. 

This notice is simply to let you know of these changesyou don't need to do anything. Your continued use or access of Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, or Wells Fargo Advisors online services indicates your agreement with these changes. 

Thank you for choosing Wells Fargo. 


Investment and Insurance Products are : Not Insured by the FDIC or Any Federal Government Agency Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

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 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
My name is XXXX XXXX XXXX, I am a XXXX XXXX XXXX XXXX No. XXXX. I issued an invoice for legal services to XXXX XXXX, a client, for {$13000.00}. I do not regularly use Paypal since I work primarily as in-house counsel. The client paid the {$13000.00} on XX/XX/2022. Paypal then refused to release the money. First it requested documentation of various sorts, which I provided XX/XX/2022, the same day. I provided my driver 's license, attorney identification card, a copy of the docket sheet that showed some of the court work I did on the case. Paypal wanted proof that I purchase supplies ( I provided the docket sheet- I'm a lawyer I don't purchase supplies to sell ). Paypal charged {$470.00} for the transfer then said it needed time to investigate and did not release the funds. I then refunded the client in total on XX/XX/2022. Paypal withheld the {$470.00} and stated that the rest of the client 's funds had been returned. I checked with the client that day. He said he had not received the funds. I checked again today, XX/XX/2022 - 5 days after I ordered a complete refund. The client said that his Paypal account stated that the funds had been returned but he had zero dollars credit in his Paypal account and zero credit to his bank account ( from which he had withdrawn the {$13000.00}. ) My Paypal account shows that Paypal refunded {$13000.00}. You can confirm with my client at XXXX. I can also provide the invoice and ledger. 

Paypal stole {$13000.00} from me and my client. That's a lot of money. I tried to file a complaint online against Paypal with Paypal, but the company website only allows me to file a complaint or open a dispute against a customer or another vendor. Paypal will not be accountable for its actions. 

I went online and discovered that other people are having horrendous problems with Paypal acting fraudulently. Paypal must return the entire {$13000.00} to my client, XXXX XXXX. Under no circumstances should Paypal be permitted to keep a {$470.00} fee for doing nothing except refusing to give me my money. Paypal is basically an organized fraud outfit and needs to be shut down. We need your help. 

Please intervene.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
During the process of qualifying for a FHA loan the mortgage company had me sign 3 disclosures. Each one had an increase and I did not authorize the increase nor the amount of the closing cost that continually went up. Our closing date was changed 3 times. This whole process cost us additional money and stress. We almost didn't close on our dream home due to the confusing and excessive applications. We were put in very uncomfortable situation financially and emotionally. I was instructed to file a complaint due to the volume of misguided events leading up to the closing. Someone please respond to my complaint. Please. We feel that this was not handled properly and we didn't receive any first time home buyer assistance as promised we qualified for. I can only upload one closing disclosure because of the size. We have a total of 3 closing disclosures with different amounts and financing 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 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2022 at XXXX pm received a call from XXXX at Discover card pushing card services. We have asked to be taken off the list, we have blocked the phone number, but they keep getting through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
During the pandemic had reside in a shelter at XXXXXXXX XXXX XXXX XXXX and at the time my NyState ID was stolen. I did make a complaint to the shelter nothing was done.I did make an appointment to get another sent to the same address and the DMV did say I would get it within 2 weeks. I check the DMV site and they said it was mailed to the ( address above ) but I never got it in hand from shelter staff  who operated in mail department XXXX. Then when that option didnt work I had my ID sent to a friendin XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX his name XXXX XXXX and when I asked if he received it he said yes I said okay have it sent to my storage unit which was XXXX XXXX XXXX at the time when I had asked them if I could receive an important document by then it was too late so I thought they would return to sender which the post office normally does but when I asked XXXX XXXX if my storage unit XXXX XXXX XXXX located on XXXX XXXX had returned my ID to him? He said No I asked are you sure? He then stated why would I steal from you which sent off a red flag in my head but I didnt pay much attention to it because I had nowhere to stay and need my ID so I can at least get employed. I tried again I called the DMV to check if theyve received back any of my IDs that they sent out they said No! I said ok well I need another ID and this time you can resend to the same XXXX XXXX address. During my stay at the shelter I did have someone steal my XXXX debt card and my Capital one Credit card info! Ran my credit through the roof and stole my funds from my XXXX account! Not to mention my son and I SSN #, my ID, my Passports and birth certificates were stolen!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Was alerted on my credit file of a hard inquiry from Bank of America also received a email from Bank of America that a credit application was denied that I never applied for a card foXXXX XXXX  XXXX signature XXXX XXXX or with Bank of America my credit score lost points and someone is currently using my info I have put a freeze on all 3 credit bureaus for my credit file

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 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am not sure where this debt came from. There was already a XXXX amount from XXXX bank and i have called and this was already closed out. Now there is one that went to Midland funding in the amount of XXXX which does not make sense to me. I don't own this card either. 

I came to know about this during my refinance of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
On monday, XX/XX/2022, at XXXX pm they called me from XXXX Called and my mother answered. They did not verify her and assumed she was me and gave debt collector disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/2022 I unfrooze and refroze my XXXX account in order to apply for a mortgage. In early XX/XX/2022 I decided to work with another mortgage lender and I placed another request to unfreeze my XXXX account. In XX/XX/2022 I noticed that my credit report was reflecting 4 fraudulent accounts that do not belong to me. In XX/XX/2022 I found that there are XXXX XXXX accounts and one Pentagon Federal Credit Union account all 4 with balances reporting on my credit. I did not authorize nor did I open these accounts.The three XXXX accounts are reflecting past due balances for a total of {$1900.00} and Pentagon Federal Credit Union is reflecting a personal loan in the amount of {$20000.00}. I have no knowledge of these account nor did I authorize, apply or open accounts with XXXX or Pentagon Federal Credit Union. These accounts are fraudulent and by no means should I be responsible for any late payments and or collections that these account may face. In XX/XX/2022 I placed disputes online to dispute all three XXXX  accounts as well as the Pentagon Federal Credit Union account in which came back that these accounts are accurate. In XX/XX/2022 I also contacted Pentagon Federal Credit Union and reported the personal loan account as fraudulent and requested for the account to be closed. At this time the institution did not have my correct social security number as well as my personal information yet this account is coming back from the dispute as accurate. All four accounts, 3 XXXX accounts and 1 Pentagon Federal Credit union account do not belong to me and should be closed and reported as fraudulent.

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 2022-03-28 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: TX

Complaint narrative:
This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-03-28 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 Bank 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 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 2022-03-28 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: CA

Complaint narrative:
I have previously contacted Experian about an item on my credit report that had stemmed from identity theft. I have not been notified about any results and the item remains on my credit report. According to 15 U.S. Code 1681c-2 ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please refer to the attached documents.

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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
have submitted all the documentation to Equifax. 5 time over the last 4 years. I have called them I've spoken to them they refused to remove off the account even though XXXX XXXX XXXX XXXX do not have my authorization / 15 u.s.c. 1681 I have done 604 dispute many times with equifax. The reports are reporting an inaccurate are not my accounts that I request that they deleted off are the guidelines Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX guidelines 15 USC 1681 they are inaccurate and do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
This complaint is in regard to my desire to apply for forgiveness of my XXXX draw of the XXXX, currently being serviced by PNC bank but originated and approved by the predecessor bank BBVA which PNC purchased last year. 

Going back into XXXX and again in XXXX while a customer of BBVA bank, I applied for and received XXXX rounds of XXXX funding for {$15000.00} each ( $ XXXX total ). The first draw was already forgiven using the BBVA PPP forgiveness portal. To be clear, both BBVA and the SBA had to underwrite and approve each draw for a total of XXXX rounds of underwriting. I now only have the one remaining loan of {$15000.00} that I wish to have forgiven. It has been my intention to use the PNC XXXX loan forgiveness portal but there is a big problem. 

The problem is that there is a discrepancy in the Correct Maximum Loan Amount that must be resolved before any forgiveness application will be approved. There should be no discrepancy for the {$15000.00} yet the portal indicates the correct amount at {$0.00}. 

Clearly, a {$0.00} figure indicates that PNC didnt access the loan documents from BBVA oXXXX the XXXX XXXX If PNC had accessed documents that didnt support the full amount it is reasonable to assume that at least some dollar figure would have been approved. But that didnt happen here. It shows XXXX. That means the bank didnt access any documents. When I spoke with XXXX of their employees in XX/XX/XXXX ( a XXXX XXXX XXXX ( XXXX XXXX I PNC, XXXX, ( XXXX ) XXXX XXXX ) ) I was told that PNC didnt access those documents even though both BBVA and the XXXX XXXX the loan. Therefore, the blocking of the XXXX forgiveness portal due to an outstanding discrepancy is truly a problem of PNCs own making. I did however submit to PNC the documents I originally submitted to BBVA but so far PNC will not accept them for underwriting. Instead they are demanding a host of documents that I never had to submit to either BBVA or the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 # XXXXXXXX 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

Company response to consumer: Closed with explanation