vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Qualified Written Request and Complaint against PennyMac Loan Servicing, LLC and XXXX XXXX XXXX XXXX, as a Paying Agent for some XXXX XXXX XXXX XXXX. 
On XX/XX/2021 some Third Party Payment Processing Services ( who lacks any corporate identity or contact information ) submitted {$1000.00} payment via XXXX XXXX ACH for my home insurance policy from someones home on behalf of some Mortgage Company who lacked any banking information and reference number to this transaction. 
According to Financials prepared by XXXX XXXX XXXX XXXX, my home insurance due was {$600.00}. 
Please provide me the full corporate name and contact information for Third Party Payment Processing Services ; and which relationship it has to PennyMac and XXXX  XXXX XXXX XXXX  ( who is accepting my payments money from PennyMac, thus is responsible for all outgoing payments related to my escrow account ). 
Please explain how amount {$1000.00} was calculated if the due is {$600.00}. 
Please provide me the name and contact information for XXXX XXXX XXXX XXXX and PennyMacs accountants who authorized this payment. 
Please provide a receipt for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: OH

Complaint narrative:
I have no clue of this debt I have never agreed to this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
On XX/XX/2021, a representative for Flagstar Bank was peering in my front window. I asked them what they were doing and they said delivering a message. Peering in my front window has nothing to do with delivering a message. 

This same message left on the doorknob has been delivered on numerous occasions. I am in forbearance on my mortgage and will resume payments on XX/XX/2021. Everything is in order on my online account. I have tried to reach out to Flagstar via the telephone number indicated on the message but am unable to get through with a maze of automated messaging and wait times. 

Flagstar is in violation of State of Maryland breach of privacy ( peeping-tom laws ) and at this point, trespassing.

Flagstar is hereby notified that they are not permitted on my property and action will be taken if they violate any and all of my rights.

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 2021-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
I noticed a collection account on my credit report from the collection company XXXX XXXX which looked a bit odd to me because the balance is still being reported by the original creditor, First Tech CU and the reported dates weren't right. After disputing the collection account with the credit bureaus and they did not resolve my dispute, I wrote a letter to XXXX XXXX  to the address listed on my credit report and asked them to validate the debt that they are reporting and they did not respond to my request for validation. After checking my credit report I noticed they are still reporting this account even though they did not validate it. I sent them a follow up letter requesting they delete the account because they failed to validate it and they did not respond nor have they deleted the reporting. I researched this issue on your website and the FTC website and I found quite a bit of information regarding violations of the FCRA and the FDCPA and this company has committed multiple violations. They are listed below : 1. Failure to respond to debt validation 2. Still reporting to the bureaus within 30 days without validating I feel like I have done all I can do on my own and I really need your help. Maybe they will respond to you guys. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
Monday XXXX XX/XX/2021, I received an email from Prosper Marketplace Inc. aka Prosper Funding LLC, stating that I was pre-qualified for a loan of up to {$9000.00} and that checking my rates on said loan wouldn't impact credit score which means that they would only conduct a soft inquiry. However, they made a hard inquiry which did in fact negatively impact my XXXX credit score! 

YOUR PRE-APPROVED APPLICATION You're preapproved for {$9000.00} Finalize your loan of $ XXXX and your money could be deposited to your account as soon as the next business day after completion of all necessary requirements1 Lock in Your Rate Checking your rate will not affect your credit score.

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 2021-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I submitted an " error notice '' to the mortgage servicing company regarding a payment they applied to the wrong loan number. They sent a letter after some time acknowledging the mistake, but claiming they will be reversing and reapplying all charges from a date one month before up to the present. They then calculated that they only owe me a refund that is {$660.00} less than the amount of the " misapplied '' loan payment. 

They sent me the check in the amount of {$1200.00} and at the same time, sent me a NOTICE OF DEFAULT AND INTENT TO ACCELARATE stating I owe them {$1100.00}, made up of the {$1200.00} minus a {$160.00} Corporate Advance balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX Has been sending me collection notice in the amount of {$450.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company do not have a contract with my signature. What would be a fair solution for this issue?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have had my bluebird card for awhile now and have been getting stimulus payments and my child tax credits on it and I withdraw money from another card to add onto my bluebird account and today it tells me my account has been permanently suspended and I cant get ahold of them the automated message just hangs up on me and tells me to write them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30 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: TN

Complaint narrative:
My protection 's privileges have been penetrated and intruded by Equifax which is an immediate violation of federal law. Equifax reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My visa credit card with Bank of America was used for fraudulent transactions between XX/XX/XXXX and XX/XX/XXXX. 

There were 20+ fraudulent transactions that happened in just a couple of days ( card used across multiple states on same day ) and I had informed BoA about all the fraud transactions after I got alerted through the the fraud alert on phone for one of the transaction on my phone. BOA had immediately reversed all the transactions ( thank you to them ) and had blocked my card. I was informed that a new card is being dispatched. 

However, a couple of days ago, I checked online and noticed that all the fraud claim charges were put back on my new card. When I called the BOA helpline, they told me that based on the information received from merchant they reversed the fraud claim. I had asked them to share the information but as per them they are not able to share the details. The card was used across multiple state ( NJ, CA, MA etc. ) on same day and physically also at car dealerships, hotels, along with some online orders. For example 1 ) XX/XX/13 - two transactions of {$700.00} and {$400.00} at XXXX XXXX XXXX XXXX CA using Physical card 2 ) Same day i.e. XX/XX/13 - two transactions at XXXX XXXX XXXX XXXX NJ using physical card ( {$650.00} and {$460.00} ) 3 ) Same day i.e. XX/XX/13 - two transactions at XXXX XXXX XXXX XXXX NJ using physical card ( {$400.00} and {$550.00} ) I had asked BoA to recheck through an appeal process officially. I have requested them to get photos from merchants of people who physically used the card across NJ, CA on same day as this is a criminal activity. 

Please also note that physical card was in my possession all throughout which I had also informed BoA during fraud claim process. They had recently dispatched a wireless card to me ( just before this fraud started happening ) which I was yet to open and use. Looks like either a duplicate physical copy of card is created through the new card while it was in mail transit. Or a copy of old card is created using data theft at one of the merchants where I have used it in past or a data theft from some companies data online base. 

While BOA has taken an appeal, they are not reversing the transactions and they have told they will not be able to share any details received from merchants about my claim. 

Therefore, I am concerned as the amount of fraud is significant ( close to {$5000.00} ). I can share more details whatever is required to find the culprits and resolve the fraud. Please help guide me on next steps as BOA is currently not reversing the transactions. Thank you in advance for help and guidance! 

Regards, A Bank of America Credit card customer

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 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX we deposited 20 checks at the ATM totaling {$10000.00}. Transaction # 51 for card # XXXX. 

On XX/XX/XXXX, all 20 items were reversed. 

On XX/XX/XXXX, we received a letter from Wells Fargo regarding one item, that it was rejected as " Altered Check ''. 

The photocopy included with the letter makes it clear that the check in no way altered. 

We've still to receive any notification regarding the 19 other items that were reversed. 

Not only has Wells Fargo reversed this deposit, they have failed to return the items to us. 

Because of the department 's daytime hours, I have been unable to speak with anyone regarding this. And Wells Fargo offers no messaging or email option for customer service. 

20 altered checks is a very serious accusation, especially when none of them have been altered.

I want these items to be redeposited ASAP, since it is clear there was no reason for them to be reversed to begin with.

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 2021-08-30 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: TN

Complaint narrative:
My protection 's privileges have been penetrated and intruded by TransUnion which is an immediate violation of federal law. TransUnion reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 submitted an official FTC report, qualifying identification documents, and a detailed dispute letter to TransUnion on Thursday, XX/XX/2021. The documents arrived to TransUnion on Saturday, XX/XX/2021 at XXXX XXXX. The disputed items in question were : XXXX/DEPT OF ED Account # : XXXX XXXX/DEPT OF ED Account # : XXXX Both accounts are fraudulent, stemming from identity theft. I received a corresponding letter from TransUnion on XX/XX/2021 citing I recently submitted a dispute to TransUnion for an item, and the data furnisher verified the information. This in turn has allowed them to not reinvestigate my claims. 

TransUnion has failed to be transparent with their means of investigation, and continues to report inaccurate information on my credit report. 

Ive uploaded all required identification documentation to verify my name, somehow TransUnion maintains they will report a fraudulent account addressed to someone else on my credit file. 

This inaccurate reporting is severely hurting my credit profile, and is unfair/unjust representation of me as a borrower. 

Please have TransUnion either accurately and transparently verify this account as mine, or remove it indefinitely from 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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
my complaint is with citibank bank. I have used his checking account for about 2 years. and he had never had a problem with them. a few weeks ago I received a letter from them, to be more specific on XX/XX/XXXX. the message of the letter was practically the following, my account was being reviewed for suspicious activity and I had to contact them to confirm some information or my account was going to be blocked. 

I quickly got in touch with them via phone and explained that I had received a letter from them and shared the case number that came with the letter. ( XXXX ). They confirmed that everything was fine with my account and that I could ignore that letter. 

Well, a few weeks later, to be more specific on Thursday, XX/XX/2021, I open the Citibank application on my mobile phone. and I see that my account has been blocked. 

I quickly get in touch with them and they tell me that my account has been blocked and is in the process of being closed, that there is nothing they can do and that they can not provide me with any information about it. 

that I had to wait for a letter that would arrive in 30-60 business days to obtain information about why my account was blocked and the check with my funds. 

an account with nearly {$170000.00} all my money. 

now I can not withdraw or obtain access to those funds for 30 to 60 days. which is frustrating and makes me quite angry and which I consider to be unfair.

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 2021-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have tried to contact the company since I filed my complaint on here and now they are not responding to me. This seems illegal that a company can not communicate with the customer. Their last response was on XX/XX/XXXX. I sent messages ( sometimes a new one and not a reply ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), and now XX/XX/XXXX. Their messaging system says that messages are responded within 24 hours. Yet I have not heard back - not even a phone call - from them at all. At this point, I am refusing to pay my bill since they simply can not honor a late fee waiver from a month ago and are dragging this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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