vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX/ {$0.00} / XX/XX/2021

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 2022-04-05 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX a Mortgage lender attempted to access my Equifax credit report and they informed me that the result came back as no credit score and they couldn't access my report. I spoke with another lender and they sent me proof of the message that they received when they attempted to pull it. 

I called Equifax multiple times to try to resolve it. Initially, I was informed that my Equifax is not suppressed or blocked. However, when I called back on the XXXX of XXXX, I was told by the Office of Consumer Affairs that I need to verify my identity in order to have this cleared. Today, I spoke with another agent at Equifax and he said that there is no block or hold on my report. 

This situation is very frustrating and is impeding upon my ability to acquire a mortgage loan to purchase a home for my family. Also this is a clear violation of my rights under the Fair Credit Reporting Act. 

15 U.S.C. 1681c-1 states that the Consumer Reporting Agency may decline or rescind any block.

15 U.S.C. 168c-2 states that the affected consumer shall be notified promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Since our bank was acquired by PNC, getting information regarding our line of credit and our mortgage and making payments that are properly registered has been impossible. Hours have been spent on the telephone with customer service and other bank representatives, and these are generally circular encounters, achieving nothing at the conclusion. Messages to banking officers are often left unanswered. Late charges are accumulating despite on-time payments, credit scores will be affected, and we have been unable to find any effective measure to get proper assistance despite a face to face visit to a bank officer. Attempting to work with PNC is a literal nightmare. There is not one competent person with the right connection or information to meet our banking needs on existing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good day, one of my checking account ( ending in ... XXXX ) was closed by JPMorgan Chase with over {$9000.00} within it, however a great deal of it ( ~ {$6000.00} ) is currently being kept in suspense and would not be released to me. These were checks I received from XXXX XXXX XXXXXXXX XXXX XXXX for my commissions and bonuses when I was working there as a Life Insurance Agent. 

I have tried to contact customer service through phone numerous times and I was told that it is in suspense because verification from the maker of the checks is needed. However every time they tried to contact XXXX through a verified business number, they couldn't get in touch with the person needed to verify these checks. 

Of course, I have tried also to deal with XXXX  on my end, and it would be a simple process if they could call one of my manager at the branch office in XXXX XXXX at XXXX and have her verify these checks. However they mentioned that they can only contact XXXX through a verified business number, which is the Home Office in New York that they have so much issue getting in touch with. 

My question is why did Chase allowed these checks to clear and the money withdrawn from the maker if they weren't verified? 

The money was allowed to cleared and enter my account, of which Chase ended up closing to deny me access to my money. 

If the checks weren't cleared and the money was still in the maker 's hand, I could request XXXX XXXX XXXX to cancel these checks and reissue new one to me, alas that is not the case. If the checks were allowed to be cleared, I believe that is sufficient ground to prove that the checks in legitimate and a suspense is unnecessary. 

The money has been put on hold for over a week now, and I am in dire need of it to pay my bills, my rent, groceries, and various other expenses. I would greatly appreciate it if this issue regarding the suspended fund is dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PACIFIC PREMIER BANCORP, INC.
State: CA

Complaint narrative:
THIS CRIMINAL BANK PACIFIC PREMIER FRAUDULENTLY AND CRIMINALLY CHARGED {$35.00} NSF FEE IN MY XXXX ACCOUNT EVEN THOUGH {$200.00} CASH WAS DEPOSITED ON XXXX ON TUESDAY. 

I TALKED TO THIS CRIMINAL BANK 'S LOCAL MANAGER IN XXXX XXXX " XXXX XXXX '' AND SHE SAID THERE WILL BE NO NSF FEE, AS DEPOSITED {$200.00} CASH. 

THIS A LAWSUIT AGAINST ( 1 ) PACIFIC PREMIER AND ( 2 ) ITS CEO " XXXX XXXX '' PERSONALLY IS BEING FILED FOR BOTH CIVIL FRAUD AND UNFAIR BUSINESS PRACTICES- SEEKING ATTORNEY 'S FEES AND DAMAGES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I paid my full balance using AMEX 's mobile app, prior to it being do in XXXX of 2021, prior to leaving the country for a long trip. When I returned, I discovered that American Express never applied the payment of {$1100.00} USD. In spite of filing numerous, repeated complaints with AMEX, as well as attempting to resolve the matter through legal professionals, AMEX will not acknowledge the payment and has charged me fees, interest, as well as I have now lost the additional sum AGAIN, because I had to pay my balance to XXXX to stop the interest. AMEX rarely responded to my claims and never contacted me or my lawyer by email as promised or through messages on the app. I have the original ACH File with all the data from the transfer from my Credit Union, as well as my statements showing the money went to AMEX. I am now out my time and money and additional legal fees, as well as AMEX charging me a annual fee long after I would have dumped this lousy account due to bad service if I COULD ONLY RESOLVE THIS GODFORSAKEN ISSUE. It is appalling to me that a multinational company can literally just openly steal their clients money and nothing is done to stop them. DO NOT DO BUSINESS WITH AMERICAN EXPRESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX of 2020, I processed a loan through Affirm INC for an airline ticket. I continued to make payments whilst tracking the amortization schedule. On XX/XX/2020 at XXXX pm, I received an email telling me 'your loan is all squared away '. This was the result of me making what I understood to be the final payment. 

On XXXX the XXXX at XXXX pm, I received an email informing me that a payment on said loan had failed to go through. This is a significant time after the fact that I received confirmation of my loan having been paid off. 

Now I am being told that my account has been charged off and that it will be sent to a collection agency. There was no prior communication from Affirm prior to this rather alarming notice. 

I was informed upon calling Affirm that they do not have a dispute resolution department which I find hard to believe. I also asked if this would be reported to my credit and was informed that it would report to XXXX. The agent also told me that she had seen this same situation before. 

I am deeply concerned about this practice. It includes false confirmation of debt satisfaction, failure to communicate delinquency and in my opinion deceptive trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
My Information has been merged with someone else. There are addresses on my file that do not belong to me, these addresses are not authorized to be on 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 2022-04-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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, XXXX XXXX, sent a letter to the XXXX bureaus asking them to look into an item on my report that is false and misleading. It has been over 45 days since i sent my letter to Experian, XXXX and XXXX. I have not heard back yet. I am aware that the bureaus have 30 day to investigate and send me an updated report with their response or they have to delete the items 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 explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : ( Original Creditor : ) / {$35.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc
State: AZ

Complaint narrative:
I received a letter in my mail from another individual coming from an apartment listed on a debt attempt letter. They apparently received a mail piece for me that stated I owed a debt on a XXXX XXXX account that I did NOT create, and they wanted to attempt to collect a false and unfair debt. I attempted to resolve this through contacting them about this identity theft activity on my name, but was told they could not clear this SOLD DEBT without any reason that clarifies what debt I apparently owe. I also attempted to contact the XXXX, and they replied saying to fill out a fraud form on their website. So I did file a dispute on their webpage claiming that this was a fraudulent charge, but now they explain that I need three types of residential proof within two months of this account existence. Which I did manage to provide ALLL of their requests for proof, including my ID ( with a different address to prove ), A Notarized Letter representing my current address ( NOT what is on record ), a police report, and I also provided a statement saying that I was homeless during those two months which shouldve started the fraud investigation, but they denied this still. So it wouldve been impossible and unfair to prove what I cant during my XXXX  stage, due to pandemic causes! I thought this was more than enough proof that Ive provided, with never been associated with this address, but unfortunately the company did not want to even start investigating my account unless I get a mail piece that falls specifically within the one month timeframe this account was opened. Since I could not provide their last request of a mail piece to my current address at the time ( after an eviction ), the claim was denied and they refused to accept ALL of my proof without showing reasons why and how this was done under me! I think this is discrimination on me because of my living situation at the time, is when they took advantage of that. In addition to this, my friend went through the same exact thing, and they approved it with the same amount of proof I provided, Im assuming they just liked her case for some reason. All I want to do is clear this debt and remain in fair terms with my credit, but if this is how they exercise their rights, then I personally have no rights to dispute anything without getting a thorough and honest investigation into this matter. I dont know what to do, Im losXXXX and they do not seem to help one bit unless I post a negative review on their business, which then they will only respond with, The customer was informed to dispute this. Please respond with a resolution so I can continue my living, clear this stressful issue, and focus on my pregnancys third trimester.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: MD

Complaint narrative:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX and State Department XXXX has fraudulent accounts on my credit profile that need to be removed 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
Consumer complaint received 2022-04-05 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: MD

Complaint narrative:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX has fraudulent accounts on my credit profile that need to be removed 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
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
This is a payoff I'm requesting a 1099-C form. This mortgage account is not a debt and at a {$0.00} balance. Please remove from all Credit reports XXXX ( remove ) XXXX ( remove ) XXXX ( remove ) Also, Rights Violated Under Fair Credit Reporting Act 15USC-1681b section 602A State I have a right to privacy Rights also violated under 15USC-1681A section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. Please Remove Asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: IL

Complaint narrative:
n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX consumer n accordance with fair credit recording act XXXX Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish 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 non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am a borrower counselor with XXXX XXXXXXXX XXXX XXXX On XX/XX/2022 at approximately XXXX I contacted Loancare to update the status of several files we submitted to loss mitigation for assistance. I spoke to XXXX in Loss mitigation who assisted me with updating the status of a file. However when I told him that I had other files I needed assistance with he wanted to send me to customer service. I asked him if he was in loss mitigation and he said yes. I asked him why would he send me to customer service for files that are in loss mitigation? He said he could only handle one file per call. I asked him if that was the company policy? He refused to answer and hung up. I called back and spoke with XXXX who was more than willing to assist me with the remaining files I needed assistance 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 explanation
Consumer complaint received 2022-04-05 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:
in accordance with the fair credit act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my 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 non-monetary relief
Consumer complaint received 2022-04-05 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: FL

Complaint narrative:
in accordance with the fair credit act XXXX account # XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Over the past 2 years I have sent several certified letters trying to get XXXX to correct the errors from a company called " XXXX XXXX  '' they are showing as a collection. As well as a company called Portfolio Recovery showing the same. one shows I have a high limit of XXXX and XXXX shows XXXX credit limit. As well as NO records of my one time payments! They have NO dates reporting for either of these companies. ALL my bills show I am an exceptional payment and these 2 companies are significantly damaging my credit by not fixing these errors!!! And after at least 10 certified letters over the past 2 years of giving them information to correct and they still don't update!!! I want these both removed asap or I will now take this to lawsuit. It is too much now all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I have disputed Amsher Collection Service multiple time. XXXX, XXXX, XXXX This debt buyer, The furnisher is reporting multiple account numbers for this account and is not forthcoming with actual legitimate verification. 

This reported information is inaccurate and can not be substantiated. 


.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation