vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called Penny Mac Loan Service to make a payment, and I looked on the Penny Mac website and I noticed several dollar items under the 'Loan Activity ' which I knew nothing about, upon questioning the representative and she could not justify the extra dollar items.

I began to search the Penny Mac website and I copied down all 'PAYMENTS ' pertaining to my account, which I have attached the copies. Our original mortgage payment was {$3300.00} and on XX/XX/XXXX due the 'Supplement Property Taxes Payment ' the mortgage payment increased to {$3300.00}, and on XX/XX/XXXX the representative stated " that there will be {$300.00} monthly mortgage payment increase because of the 'property taxes ', I stated " our mortgage payment is a 'VA Fixed Loan XXXX XXXX So I called the U.S. Veterans Affair at ( XXXX ) XXXX and the representative told me to call Consumer Financial Protection at ( XXXX ) XXXX. If I had never research the Penny Mac website and noticed the extra dollar amounts that is on my account, I would not have known about these extra dollar amounts, and could have been losing our home. I'm a veteran and I need help! 

There have been late payments on this account, due to XXXX XXXX XXXX XXXX ( a veteran ), employed with the U.S. Postal Service, I only work 4-5 hour per day because of my 'on the job injury ', and I have to file a XXXX form for my remaining employment income which comes from the Department of Labor and can take anywhere from XXXX week, and this problem has caused my mortgage payment to be late. In the XXXX, my employment income has significantly decrease in the amount of {$3000.00} per month, due to an over payment of Worker 's Compensation Payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-02-21 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to you to express my concern regarding the presence of certain hard inquiries on my credit report. Upon reviewing my credit history, I have identified several inquiries that I believe were not authorized or were conducted without my full understanding. These inquiries are negatively impacting my credit score, and I kindly request your assistance in having them removed from my report. 

Below, I have listed the inquiries in question along with their respective dates : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to clarify that I have not initiated any credit applications or authorized these inquiries during the mentioned timeframes. Therefore, I believe these inquiries are inaccurate and unjustly affecting my creditworthiness. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am formally disputing these inquiries and request that they be promptly investigated and removed from my credit report. I have enclosed copies of my credit report highlighting the disputed inquiries for your reference. 

I would appreciate your prompt attention to this matter and a thorough investigation into the validity of these inquiries. Please inform me of the steps being taken to address this issue and provide me with updates regarding the progress of my dispute.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
XXXX, XXXX and experian all have incorrect SSNs, Names, addresses, phone numbers, accounts, public records, etc on my credit reports. This has affected my XXXX XXXX XXXX and jobs with the 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to you to express my concern regarding the presence of certain hard inquiries on my credit report. Upon reviewing my credit history, I have identified several inquiries that I believe were not authorized or were conducted without my full understanding. These inquiries are negatively impacting my credit score, and I kindly request your assistance in having them removed from my report. 

Below, I have listed the inquiries in question along with their respective dates : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) I want to clarify that I have not initiated any credit applications or authorized these inquiries during the mentioned timeframes. Therefore, I believe these inquiries are inaccurate and unjustly affecting my creditworthiness. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am formally disputing these inquiries and request that they be promptly investigated and removed from my credit report. I have enclosed copies of my credit report highlighting the disputed inquiries for your reference. 

I would appreciate your prompt attention to this matter and a thorough investigation into the validity of these inquiries. Please inform me of the steps being taken to address this issue and provide me with updates regarding the progress of my dispute.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Have a new credit card with BofA. In interaction with their phone represenative we paid the current bill and set up autopay for future payments ; the ask and apparent setup was to pay in full prior to the due date. The following month, the neither the full statement amoutn owing nor the minimum amouth due was autopaid. Calling back to the phone representative, it was discovered the previous representative had set the full payment date for a month further in the future, resulting in interest changes. As this is an affintiy card where certain spend have to occur to get the 'points ', I had charged significant amounts. Furhter tlaking to the represenative, the consumver has no way of seeing autopayment arragement made over the phone. There is the ability to set up autopayments via the web interface, but it is an enteriely different system! If the BofA phone representatives are being instructed to set the first payment date two payment dates out, this would be a boon for BofA and a significant intetional consumer fraud on card holders. It was indocated I was set for the next payment date whne I set up the phone-based autopay. I have subsequently changed to the web-based autopay, which I can see and manage directly. As you have gathered, I could not see that the first autopay date was two payment dates out. Only possibly by calling could I have gotten this information. Getting a humanb to help on the Help Line is next to impossible, but you can't review or adjust a phone-based autopay with the auotattendant on their help line.

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 2024-02-21 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Section 611b of the Fair Credit Reporting Act ( FCRA ) entitles me to add a statement ( 100 words or less ) to my file since information I disputed on my report was not removed. I sent a certified mail letter with return receipt to Equifax demanding that they add my 100 word statement to my file. This letter with USPS tracking # XXXX was received by Equifax on XX/XX/2024 and included the identification documents Equifax requested of me previously in order to add the 100 word statement. However, despite receiving the required identification documents, Equifax did not acknowledge my letter, NOR did they publish my statement on my file. Instead they mailed a letter to me dated XX/XX/2024 requesting the same information again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMS Inc.
State: OK

Complaint narrative:
We received a debt collection notice which stated we had until XX/XX/XXXX to contact the company.

The notice included the following text : " You may also use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXXXXXX  '' This URL does not direct to any known service ( 404 ). We attempted to contact the company at their phone number on the collection notice on XX/XX/XXXX : ( XXXX ) XXXX. 

We confirmed the Reference # on the debt collection note with them, but they refused to provide me with information to properly dispute the debt electronically. They said we could dispute with them over the phone, but this was contrary to the information they provided in the debt notice. The first agent we spoke with stated they never heard of that address and then refused to acknowledge that they were a debt collection company when we pressed them for information. They then terminated the call. 

We called back immediately twice and was disconnected after having our call answered without any acknowledgement. On the fourth call they forwarded us to someone who clearly was flummoxed trying to pass off them " being new '' as the reason for not being able to provide me with proper information. When we again asked what the web address to dispute electronically was, we were after several minutes provided with the following address : XXXX XXXX XXXX XXXX  that this is not even the same domain name as provided on their mailed notification. It also does not provide the ability to attach supporting documentation as the mailed notice states I have the right to do. The agent, when unable to provide information as to how to attach supporting documentation provided use with a " supervisor 's '' email address. However, when we attempted to inquire what this supervisor 's position was, and what department we were communicating with the agent refused to provide any additional information even after verifying the reference number on the account. 

The actions of this company are unethical and likely illegal as they are intentionally providing false information on their mailed documentation that prevents consumers from properly disputing the debts based on their advertised avenues. Nothing asked required providing any confirmation to them as we were simply requesting the correct web address to dispute the claim with the ability to attach supporting documentation all of which they stated could be done in their debt collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On or around XX/XX/year> I filed a dispute with Transunion in connection with a fraudulent account that was being reported on my credit report. The account was opened fraudulently using my personal information without my knowledge or consent. As such, I filed an FTC Identity Theft Report online. I submitted a copy of the FTC Identity Theft report along with my dispute. On XX/XX/year> Transunion completed my dispute and stated that the identity theft block request was denied because the document submitted does not appear to be a copy of an official valid law enforcement report that can be accepted. However, the form was submitted and downloaded directly from the FTC 's website. There is no other affidavit to submit. The affidavit submitted was absolutely valid and must be accepted by Transunion under FCRA 650B.

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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America has deliberately failed to initiate claim and or send claim documents on Claim # XXXX and Claim # 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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XXXX of XXXX ' I was told that my Chase Business account has been placed on hold and they were not able to provide me the reasoning. I have been reaching out periodically since to obtain reasoning as to why the money is not being available to me. I have spoken just now to XXXX XXXX at Loss Prevention after speaking to many others in that department as well as management in other departments related. Besides throwing me back and forth between asset recovery and loss prevention no one can provide me an answer as to how to get my funds released.

It has been 15 months and my funds are still being held with no answer. No one will provide me the proper phone number to reach out to or provide me the proper email to reach out to they just keep telling me to call back. When I call back the same thing happens over and over again.

Company response to consumer: Closed with explanation