vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: NV

Complaint narrative:
The consumer reporting agency has violated 15 usc 1681 ( a ) by reporting inquiries on my consumer report. The law clearly states, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from the consumer report. The action of the consumer reporting agency reporting inquiries, on my consumer report, is an additional violation of 15 usc 1681 as the action violates my right to privacy. Through the action of reporting inquiries on my consumer report, the consumer reporting agency has violated 15 usc 1681 ( b ) being that I have never submitted written instruction to the consumer reporting agency granting my consent to report inquiries on my consumer report. 
The consumer reporting agency was notified of its violations in writing. Confirmation of delivery and receipt of written notification on XX/XX/2021. A report was also filed with the Federal Trade Commission. To date, the consumer reporting agency has not made any attempt to correct its violations of the aforementioned consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XXXX I sent off a dispute letter to Transunion and I still haven't received a letter with my dispute results back from the company yet. I sent the letter certified this is the tracking number : XXXX, the tracking number states it was delivered XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX  in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus XXXX XXXX XXXX and Transunion ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This company keeps trying to request a payment on a vehicle that was a total loss on XX/XX/20 and XXXX insurance paid for the car on XX/XX/20 and I signed the title and power of attorney over to them on XX/XX/20 before check was disburse. Prior to this they kept calling said they havent received a check when Im looking at the email the XXXX had forwarded to me to keep for records. Then finally they said oh ok you owe {$560.00} for co-payment. I said my deductible is {$250.00} which it was added in the check because the XXXX told me and send me documentation. So after that each representative kept changing amount after the car was paid off and Gap paid the rest. Help Me. This company is double dipping Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I made a purchase but never received the the merchandise. I was given a tracking number but it was wrong/invalid. I contacted XXXX and my bank account. The bank issues a temporary credit but after the investigation the money was removed which has now put me in the negative. Every time a deposit is made its taken and my account has been permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: AK

Complaint narrative:
On XX/XX/XXXX I contacted Specialized Loan Servicing LLC 4 times by phone to dispute an increase in the mortgage balance they were reporting to the credit bureaus. On XX/XX/XXXX I contacted SLS by phone to dispute another increase in the mortgage balance they were reporting and was told that I needed to file the dispute in writing. I then sent a written dispute via email. XXXX attached ). I also filed disputes with the three credit bureaus. SLS corrected the balance they had reported to the credit bureaus. Today, XX/XX/XXXX, I noticed that SLS has again reported an increase in my mortgage balance ( XXXX ) to the credit bureaus. This has had a severe negative effect on my credit rating and has taken place 3 out of the past 4 months. This is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX   in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from Portfolio Recovery showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus XXXX XXXX Equifax, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX  in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( Experian, XXXX, and 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 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to Portfolio Recovery. I was unaware I could dispute this account until late 2019, also I requested information from Portfolio Recovery showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : Placed for collection:XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX Loan Type : DEBT BUYER **This company is reporting on my credit report that I reaffirmed this debt. This is incorrect and they are violating HIPPA rights with this misinformation.

Placed for collection:XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This company is reporting that this account is correct and is not consistently reported across the three credit reports. This debt is incorrect and needs to be removed. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please Delete Telephone numbers that do not belong to me as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have tried for nearly a year to resolve this matter directly with Target however they have taken an impossible position and continue to create a worsening credit situation and increasing debt for truly an unjustified position. Therefore I am reluctantly forced to appeal for your help. 

To summarize : When I moved in XX/XX/2019 it took some time for the mail forwarding to catch up to my new address AND somehow during that time my auto pay ( which had been set up on this card since the date of opening ) was canceled. In XX/XX/2019 I made a purchase at Target and had a balance owing of {$19.00}, I have since been charged a {$40.00} late fee per month and my credit score has been ruined by Target. When I realized the problem in XX/XX/2019 I paid off most of the merchandise balance, Paid $ XXXXand then again in XX/XX/2019, XXXX : {$80.00}. But they applied those payments towards Late fees so I could never catch up. 

I tried on numerous occasions calling Target and explaining my position. But they would not fix the problem and continued charging me $ 40 monthly late fees. The balance is now over {$340.00}, and my credit scores are tanked. I live on SSI income and am in no position to ever be able to dig out from under these exorbitant fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
One of the leading Credit union in DC area ( Penfed ) is misleading the consumers on the credit card promotion. I have called them couple of times and explained the situation but they have refused to provide with the {$100.00} credit for spending {$1500.00} in first 90 days. 

Here is the chronological order of events. 
I applied for the credit card on XX/XX/XXXX and I got an email on XX/XX/XXXX that my credit card was activated. I reached back to Credit union immediately that I didn't receive the credit card and wanted to make sure it was not stolen and activated by some one else. I was informed that the credit card was mailed on XX/XX/XXXX and due to postal delays etc, I was not able to activate the card until XX/XX/XXXX. 

I waited till Mid XX/XX/XXXX to see if I will get the {$100.00} promo applied, I called Penfed and the customer representative informed me that I met the condition and it will be applied in couple of weeks. So I waited and called them back in XX/XX/XXXX and opened a support case ( XXXX ). That's when I got the message from penfed that I didn't qualify and the previous representative didn't check my information correctly. 

So when I pressed for more information about the why my {$100.00} promo was rejected by penfed. I was given XXXX of the weirdest explanations that 90 days count from the date of the application approval ( aka XX/XX/XXXX in my case and ended on XX/XX/XXXX ) and that I only spent {$1400.00} dollars about 90 $ short of {$1500.00} goals. The advertising is very deceiving. I was surprised that that they consider application approval as account opening date, I never had a credit card company that considered a card is open until the physical card is activated by the consumer. 

I have spent more than {$1500.00} threshold by XX/XX/XXXX ( aka XX/XX/XXXX XXXX email of approval ) and if you go by the credit card activation which was XX/XX/XXXX till XX/XX/XXXX, I have spend lot more on my credit card. So I requested the Penfed to honor by {$100.00} promotion reward and they rejected it. 

so I am asking CFPB organization to support innocent Customers like me and many of our armed forces who rely on penfed for there financial needs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MI

Complaint narrative:
I paid the XXXX $ eviction debt in full. The collector promised to remove it from my credit report. They did not and its a huge hindsight on my credit score especially since Im seeking housing at the same time XXXX $ is a huge debt to pay and not have it honored. Getting the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for Synchrony Bank that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted Synchrony Bank in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between Synchrony Bank transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( XXXX XXXX and 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 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
When I walk into a PNC branch office I am constantly being harassed by PNC employees. The constantly try to collect my private data and sell me services I am not interested in purchasing. I receive several phone calls a month from PNC trying to sell second mortgages. The PNC sales team will say anything to obtain a lead and set up a follow up phone call which results in nothing. PNC uses very aggressive sales practices which is becoming uncomfortable to me as the consumer. They are so aggressive and annoying that I don't want to walk into the bank branch office because I know I will be harassed by their staff. The last time I was called by PNC I asked them to please leave me alone and stop harassing me, but they do not stop. I am requesting that PNC stop their aggressive sales practices, stop invading my privacy and please leave me alone. I can't cash a check without being badgered by aggressive sales people who just don't stop pushing and constantly calling me to sell services I'm not interested in purchasing. This organization is " In Your Face '' aggressive and I am asking PNC to please leave me alone. If I need financial services, or help, I will let them know. I had one PNC employee point out that my drivers license was close to expiring and demand I let them know when the license will be updated. They literally grabbed my license from my hands to inspect. Enough is enough! Please stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a US Bank Reliacard from Cardholder Services in Indiana. I do not have an account of this kind with US Bank. I tried without success to contact US Bank. Then I called CFPB and was told that this is part of a nationwide scam and not to activate the card. I was told to report it to Unemployment Services in Indiana, but the website does not address this problem. What should I do next?

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 2021-03-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america closed my california edd debit card over XXXX months ago due to fraud activity. 
I went through california edd identification verification process and verified. Edd request bofa to reopen my account but bofa still closed my account. Bofa reps continue to ask me to wait. Also bofa finished their investigtion and closed the case as fradulant activity. I like Bofa to reopen my account so i can access to my funding

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01 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: DISCOVER BANK
State: OR

Complaint narrative:
I initiated a billing dispute over a charge I do not recognize. It would be refunded, then placed again on my account, then refunded, then placed again on my card. This occurred 6 times from XX/XX/2020 to XXXX XXXX in XX/XX/2020, I wrote a letter to the credit card company and the company that says they are due money. I have had no response. 
I don't recognize the charge, I was not provided with any information on what this charge is for. I truly do not understand how a company can allow a refund, then a charge - 6 times. 
I will be happy to leave Discover company, as they have not been in contact with me nor have they have been helpful. I have left this card open until I have this resolved with the CFPB.

Company response to consumer: Closed with explanation