vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On the XXXX of XXXX, XXXX, I noticed that the credit reporting agency, TransUnion charged {$24.00} to my credit card through XXXX XXXX. I checked my monthly statements and discovered that TransUnion took {$24.00} once a month on the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A total of {$170.00} was charged to my credit card by TransUnion. I just recently paid off the credit card and that was how I found out about these charges once they took out the money on the XXXX of XXXX. 

I logged onto TransUnion and saw that I was signed up for a credit monitoring subscription that I never authorized or signed up for. I also went into my email account that I use with them to get my free credit report, and found no emails that contained receipts or that the subscription began. I then called TransUnion to speak to a representative for their subscriptions. He informed me that their records does not indicate how the subscription started, only that it just did in XXXX, XXXX. He canceled the subscription and told me that they would only reimburse me for XXXX, XXXX, and XXXX payments. That is only {$74.00} out of a total of XXXX that they stole from me. 
Next I called XXXX to dispute the remaining charges, to which they informed me that they could only dispute the XXXX charge and the 3 remaining charges that were made in XXXX could not be disputed due to how long it has been.

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 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
I am lodging a formal complaint against midwest recovery system. this debt collector has reported 3 derogatory accounts on my credit reports, in the amount of {$1100.00}, {$790.00}, and {$400.00}. Midwest recovery has violated the fdcpa/fcra, i have never recieved a dunning notice from midwest recovery which allows me 30 days to dispute validity., ive lived at the same address for 16 years check my mail everyday never recieved nothing not even a phone call. this is happening at the worst time as im in the process of purchasing my very first home for my family and i. im being told these errounous accounts are holding me back, which is heart breaking to my family. i am requesting immediate deletion of these accounts from my credit reports immediately. XXXX XXXX XXXX  and attorney general complaints will be filed if these accounts are not deleted. thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: MD

Complaint narrative:
I rented an apartment from XXXX XXXX XXXX in XXXX XXXX owned by the XXXX XXXX XXXX back in XXXX. Originally, I did a one year least beginning XXXX of XXXX. In XXXX of XXXX, I renewed my lease as a month to month lease with the total lease term ending XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the rental office to verify my rental history so I can move out of a property ( a that was poorly managed and maintained ). The company did not comply with my request until XX/XX/XXXX. At that point, XXXX knew of my intent to move and not renew my lease. One week later, XXXX auto-renewed my lease. I disputed the renewal and proceeded with the process to move. I still paid XXXX and XXXX rent payments as agreed. 

I was issued a document with a balance of {$1200.00} for early termination of my lease. When I asked for a detailed breakdown of this balance, one was not provided. When I did the walkthrough with the property manager, the property was clean, and the only damage was from a maintenance request that was never completed. The property manager assured me that I was not responsible for it. I even paid a company to professionally steam cleaned and restored the carpets. 

I asked the property manager to escalate this matter to her superiors with XXXX. She assured me on three different occasions that someone would contact me. I have yet to hear from anyone, and as a result, a collection for {$1200.00} is on my credit report. 

Not only do I not owe the {$1200.00}, but I also never received my {$500.00} security deposit that I paid when I moved in. 

I am a XXXX XXXX XXXX. This matter has dropped my credit score by 89 points and has killed my ability to acquire SBA financing to keep my business afloat during this national pandemic. The folly of this matter may cost some of my staff their jobs if I can not get this matter resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent in a request for information that was violating my rights as a consumer the 3 major credit bureaus. I was told that the court reported the information to the bureaus and it was very clear that it was a third party that the incorrect information was reported from. I have been communication back in forth with the court and the bureaus regarding this matter and it has caused a lot of stress for me with my credit being damaged and its not allowing me to get the full credit that i deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My student loans show missed payments on my credit report. This is an error because I completed the forbearance paperwork and submitted it with XXXX  on time. XXXX acknowledged their error with the letter attached. I disputed it with XXXX XXXX, Experian and XXXX  and provided the letter that I have uploaded below from XXXX acknowledging their error. Even though they acknowledged that my loans should have reflected that they were in forbearance it still shows on my credit reports that I missed the payments and my credit has been negatively affected. I filed this complaint to all 3 credit bureaus in XX/XX/2019 and provided them with proof ; the letter from XXXX ( attached ). The late payments are still showing up on my credit reports! They have not done their job by removing these late payments from my credit report. The attached letter from XXXX XXXX shows all of my loans, amounts and account status : forbearance. I am now currently making payments on my student loans and am out of forbearance. I have excellent credit otherwise and would like these negative late payments removed from all credit bureaus.

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 2020-04-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I reached out to the bureau several times regarding a Bankruptcy showing on my file. In their investigation they stated verified. In my dispute i requested who verified those bankruptcy cases, they did not provide me a copy or documents of whom they spoke with. The bankruptcy courts have told me that they do not verify nor provide any information to credit reporting agencies, nor do they ever validate and or confirm public records to third parties providers who collect information proving public records. Therefore I have proof the bureau has never validated or verified these inaccurate public records on my report, which tells me they are in violation of FCRA. 
Case numbers are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I reached out to the bureau several times regarding a Bankruptcy showing on my file. In their investigation they stated verified. In my dispute i requested who verified those bankruptcy cases, they did not provide me a copy or documents of whom they spoke with. The bankruptcy courts have told me that they do not verify nor provide any information to credit reporting agencies, nor do they ever validate and or confirm public records to third parties providers who collect information proving public records. Therefore I have proof the bureau has never validated or verified these inaccurate public records on my report, which tells me they are in violation of FCRA. 
Case numbers are 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 2020-04-29 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3900.00}

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 2020-04-29 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3900.00}

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 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My problem is linking my XXXX account to PNC. Also, your overdraft system is ridiculous. On my account I have No over-drafting set-up so that should mean you dont get overdraft charges especially if theyre not from writing a check. Every time that card is swipe you know it so how can you have an overdraft charge and if its from a fee that came through then you should not be charged because you have No overdrafts, Direct deposit, and always putting money in the account. 
This is why I am starting to transfer my banking away from PNC. It is a pain in the XXXX with everything you do at PNC. This is the year 2020 its about time you get with the program because XXXX and others like them are going to eliminate you and other banks like you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I'm being discriminated against. 

Capital One is refusing to help me on credit card ending in XXXX, but they have often helped and are currently offering my husband assistance on his card. Our scenario is identical. Same past due, same Covid 19, nearly the same balance, but they refused to help me. 

This complaint is that they have been treating me unfairly for several months. 

When my husband called for his account, his rates, bill balance, etc are all identical to mine. He gets a lot of different options, and better treatment than myself. 

Today I was refused help on my card. 

I wonder if it is because I am female? I wonder if it is because I have had to call the executive office and this is retaliation? Something is off, because I am unfairly denied any assistance. They have been very difficult in working with me, and he has noticed it too. 
We don't know what it is, but for some reason they are singling me out and targeting me to bully, harass, call even when I have made a payment, and now they are refusing to offer me Covid-19 Relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Received 6 calls from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and both are for XXXX XXXX XXXX. The debt collector has called 6+ times since XX/XX/XXXX - XX/XX/XXXX, and it is for a debt I do not owe on. The amount is {$1400.00} for a corporate AMEX owned by XXXX XXXX XXXX who was a previous employer. Also, they have submitted the collections to the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I needed a credit report for when I changed apartments. I use TransUnion for this, but I only needed a single credit report. 

Three years later, after reviewing my latest credit card statement, I find out I have been charged {$19.00} a month since XX/XX/2017. I do not remember agreeing to pay for monthly reports, and there is no way I willingly and knowlingly signed up for this service. Plus, I have found many other complaints online about these predatory business practices, and that TransUnion was fined recently for such practices : The recommendations I found were to report directly to CFPB. 

The reason I have not been as diligent about checking my financing is that I started an intense XXXX XXXX XXXX around the same time. I am extremely busy and have limited capacity. Even more so, I cant afford these unwanted charges for an unwanted service. 

I have logged into my account and can not figure out how to terminate this service. I want it to stop 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 monetary relief
Consumer complaint received 2020-04-29 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: NV

Complaint narrative:
These are not my accounts. Please remove 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 2020-04-29 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One during these unprecedented economic times, crashing stock market, shelter in place shutdown, COVID-19 Virus spread is only willing to waive my XXXX Credit Card Payments. Capital One has not waived late fees, waived interest or lowered my interest rates. XXXX  XXXX XXXX waived 3 payments with no late fees, lowered my interest rates by 1.5 % with no impact on my credit report. XXXX waived 2 payments, waived 2 months of interest, waived late fees, lowered my interest rate by 1.5 % with no impact on my credit report. XXXX XXXX   waived 2 payments, waived late fees, lowered my interest rates by 1.5 % with no impact on my credit report. Department of Education has waived payments for 12 months, with no interest thru XX/XX/2020 with no impact on my credit report. 
Shame on Capital One charging me up to 24.4 % interest in these challenging times. I am asking Senator XXXX  XXXX to look into Capital One 's unfair credit card policies and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: IN

Complaint narrative:
We have attempted multiple times to contact M & T Bank mortgage servicing ( XXXX ) regarding a claim check in which their name was put on it by our Insurance Company, XXXX  XXXX XXXX. In the attempts in which I have spoken to someone we have received many different responses, 1 ) we find your mortgage paid in full so you need to contact our customer service department and request a mortgage clause letter so that it releases our name fro the check 2 ) we found that your mortgage was transferred and we have no further information so we can not release our name at this time 3 ) Per representative, I can not find a mortgage with you as lender so I will need to request an investigation which an take 15 days, and someone will be in contact with you at completion of investigation. 

Now here 's the issue, we have not ever had a mortgage with this company and have no idea how they have ended up on a insurance claim check. I have contacted the insurance company and their response is they receive this information from a third party fax machine in their office and without investigating or asking client they just add company to the policies. 

It would be helpful to get to the bottom of this issue so that we could claim the check and get it reissued. Thank You for this consideration

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 2020-04-29 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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