vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My issue is with PenFed Credit Union. I applied for their XXXX card online on XX/XX/22. That same day, I was sent a text message that stated they needed more information. It was a long list asking for such things as a copy of a utility bill, driver 's license, proof of income, and more. It was too time-consuming to do all that ; therefore, I decided NOT to pursue it and sent no information. On XX/XX/XXXX, I see that another hard inquiry was made on my XXXX report! I did not apply a second time, nor was this authorized by me. This second hard inquiry brought my score down. I immediately called PenFed Customer Service. The following is a timeline : XX/XX/22 I spoke to XXXX, ID XXXX. She asked me to upload my XXXX Credit Report to a secure site. The reference number to confirm the upload is XXXX. She said she would look into the matter. 
XX/XX/22 I spoke to XXXX who said it would be done in 60 days. 
XX/XX/22 I spoke to XXXX who told me 90 days XX/XX/22 I spoke to XXXX who told me XXXX more days and gave me a case number : XXXX XX/XX/22 I spoke to XXXX, who transferred me to XXXX. She said there should only be one inquiry per application and that was all that was submitted. I never applied twice. Said she would handle the matter and never got back to me. 
XX/XX/22 My case was escalated to a supervisor who asked me to again upload my XXXX Credit Report. Once uploaded, it gave me a confirmation reference number : XXXX. She told me I would get a confirmation that it had been taken care of and that never happened! 
It has been over 7 months since I first began my communication with PenFed.

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 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Enclosed is the payment demanded by the most recent invoice I have received to stop the continuous fees being charged. However, I dispute the validity of all the fees charged by Capital One and am seeking a refund of these amounts. 

There was a recent change in the management of the XXXX credit card. The bank associated with the credit card was switched from XXXX XXXX  to Capitol One. I have had an XXXX credit card for many years and have been through previous bank changes. In the past, a new card was issued and a new account and new relationship with the creditor was established. In this case, Capitol One claims they took over my account and are authorized to do so despite no affirmative action on my part. 

I have received extensive correspondence related to my XXXX  card. I read some and understood that I would receive a new credit card and the management was changing. However, most of it was marketing materials and I did not understand that they could cancel my existing automatic payment agreement or begin billing me from a new company before they issued me a new card. I did not realize their expectation was that I would read every letter they sent me spread out over many months. 

In the past week, I received a new credit card and statement from Capitol One saying that I owe {$310.00} and much of it is past due. Looking back through my mail, I found 1 previous statement from Capital one, a letter from Capital One, and the final statement from XXXX Bank. All of these documents appear to contradict one another. I think it is unjustified to charge me late fees based on these unusual circumstances and the conflicting information provided by the credit card companies. 

The XXXX bill from XXXX bank clearly states that the full credit balance of {$100.00} will be paid in full from my bank prior to the due date. A letter from Capital One dated 9 days after the payment date shown on the XXXX bank statement claims that I have a past-due balance of XXXX. The XXXX statement from Capital One dated the day after the XX/XX/XXXX letter says that I have a balance of {$250.00} due XX/XX/XXXX. 

I called Capital One twice on XX/XX/XXXX. This is the first day I realized that Capital One was claiming I owed them money. I had not opened the mail from Capital One that included the statements or the past due claim before then. I spoke to agent XXXX who claimed, after extensive consultation with the account executives that Capital One was not servicing my credit card and I needed to speak to XXXX. After XXXX confirmed that this was incorrect, I called again and spoke to agent XXXX. The information I received from Capital One on these calls was inconsistent. Both of them cautioned me they were seeking to collect a debt and the calls would be recorded. I encourage the consumer protection organizations to review these recordings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06 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: CA

Complaint narrative:
n 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. 

Account name : XXXX XXXX Acct # XXXX Acct # XXXX Acct XXXX XXXX Acct # XXXX LENDING XXXX Acct XXXX XXXX XXXX BANK Acct # XXXX Acct # XXXX FINANCE Acct # All Accounts associated with this company/ XXXX XXXX XXXX XXXX  - All accounts listed with this company. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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. 1681sXXXX ( A ) ( XXXX ) 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 2022-10-06 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: CA

Complaint narrative:
XXXX 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. 

Account name : XXXX XXXX Acct # XXXX Acct # XXXX Acct XXXX XXXX Acct # XXXX LENDING XXXX Acct XXXX XXXX XXXX BANK Acct # XXXX Acct # XXXX FINANCE Acct # All Accounts associated with this company/ XXXX XXXX XXXX XXXX  - All accounts listed with this company. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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-XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX, XXXX XXXX! I call and send dispute letters. 

XXXX  XXXX, XX/XX/2022! I called and sent dispute letters. 

XXXX XXXX XXXX, XXXX XXXX I've sent dispute letters and called them.

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 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Since late XXXX the XXXX XXXX Credit Card by Comenity hasn't provided any points conccurrent with purchases as advertised in their agreement. The company has said they aren't sure how they will fix the issue and the rewards company blames the bank while the rewards compnay points to the bank. This appears to be an issue impacting thousands of card holders. It has gone on so long with no clear answers that it appears to be quite fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: NC

Complaint narrative:
This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well their inability to report accurate information on my Credit File. I previously sent a letter addressed to the Credit Bureaus dated XXXX XXXX, requesing that the Credit Bureaus take their time to VERIFY THE INFORMATION THEY REPORT ON MY CREDIT FILE. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section XXXX and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$75.00}

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 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Spring Oaks capital falsely reports to XXXX that I owe them {$500.00} for an account with XXXX  XXXX XXXX. When I contacted Spring Oaks on several occasions they transferred the call to XXXX stating that they own that debt. XXXX managers and supervisors claim that I paid it the account and do not owe anything. They provided me with a pay in full letter. XXXX staff said they can not remove the collection from my credit report because Spring oaks owns it. I disputed the collection with credit bureaus and Spring Oaks insists that the information is accurate. I called Spring Oaks and everest over 20 times and they cant resolve my complaint. I just get bounced around between them 2. I even offered to pay what they say I owe and they stated that i do not owe anything yet they continue to falsely report to XXXX that I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter to Transunion on XX/XX/2022, requesting to investigate and verify the accuracy of the accounts on my Credit Report. These accounts are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. I have contacted the furnishers one by one and they agreed to remove the accounts from my file. But then Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When being asked why they're not accepting the dispute letters and complaints, they claim they have an internal policy ( which is XXXX FCRA laws ) and they're unwilling to explain why. I needs these accounts remove from my file based on FCRA laws : 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 2022-10-06 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: PA

Complaint narrative:
Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single dad, I loss my wife earlier this year after the birth of our XXXX daughter and things have been really tough for me and my girls and to find out I have this now on my list is really heart breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: LA

Complaint narrative:
I messaged MOHELA on XX/XX/22 formally requesting a refund for payments made since the beginning of the COVID-19 payment pause ( https : XXXX ). 

I have yet to receive even an acknowledgment of my message, and their hotline gives you an incredibly long spiel then says they are not accepting any calls related to this matter when prompted to speak to a representative. 

Their XXXX says 10 business days for a response if I remember correctly. At this point, it's apparent that they're intentionally ignoring the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/2022 I ordered two beds, one was accidental Due to accidentally signing on as a XXXX customer. I contacted XXXX, returned the bed and was given a refund XX/XX/XXXX. On XX/XX/XXXX, an additional charge from XXXX was on my Barclays credit card statement. I contacted XXXX, thats when I found out I had XXXX different accounts, I was in touch with the supervisor who told me that they issued me a credit in error, so they charged me to reverse the credit. There is no credits on my statements outside of the one Ive already mentioned and from Barclays giving me provisional credits with the recharged me and all of that balances. XXXX referred me to my credit card Company Barclays Bank US again, since all charges were made through Barclays credit card and I filed another complaint. Although I have several letters from Barclays advising me The first two complaints, professional credits, resolutions and refills. the third complaint is the one That has not been resolved. The resolution letter is included that says the XX/XX/XXXX charge was refunded to me on XX/XX/XXXX. That is incorrect that refund was issued for the return of the 2nd bed purchased XX/XX/XXXX. 
When I look at my XXXX account, it shows I am owed a refund. I tried to call them about the refund nobody could help me despite it says to call them. Again I was referred to Barclays bank, I have been attempting to get this resolved since it all started in 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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, Sixth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.

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 2022-10-06 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: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Spring Oaks Capital LLC is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with Spring Oaks capital LLC. This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Spring Oaks Capital LLC to DELETE the negative item from my credit file, immediately.

I Demand that SPRING OAKS CAPITAL LLC Please attach copies of the following : 1. ALL required disclosures pursuant to 12 CFR Part 1006.42 2. Agreement with your client that grants SPRING OAKS CAPITAL LLC the authority to collect this alleged debt.

3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC.

4. All statements while this account was open.

5. Answer : Have any insurance claims been made by any creditor regarding this account?

6. Answer : Have any Judgments been obtained by any creditor regarding this account?

7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. XXXX  transfer this account to another company XXXX as of XXXX XXXX.During that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. XXXX has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. XXXX is/was no longer my service provider and has reported my account being 120 days late!

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. XXXX transfer this account to another company XXXX as of XXXX XXXX.During that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. XXXX has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. XXXX  is/was no longer my service provider and has reported my account being 120 days late!

Company response to consumer: Closed with explanation