vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2021, I called PenFed and ask to talked with a supervisor. A PenFed supervisor by the name of XXXX XXXX came on the phone. I told her that I made 2 payments one for {$200.00} and another for {$2000.00} which paid over the amount due for the Balance Transfer due XX/XX/2021. Both payments made were not placed on the balance transfer of {$1900.00}, that expires on XX/XX/2021. Both payments were placed on a balance transfer that is not due until XXXX of 2021, thus will cause me to have to pay interest on the balance transfer that was paid off in XX/XX/2021. Both payments are showing in the XXXX statement, yet the balance transfer is not showing paid in full for the balance transfer due in XX/XX/2021. She told me that she would check on that after a few minutes came back on the line and stated, " This is the way it is done at PenFed '' I ask to talk with her supervisor she told he was not available, and would find out what manager was available came back on the line and stated her Asst. Manager by the name of XXXX XXXX was not able to come to the line although would call me in a couple of hours.

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 2021-01-28 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: FL

Complaint narrative:
Please investigate and delete XXXX XXXX XXXX, disputed false account XXXX ( copy of credit report attached ) due to : 1. Last payment date doesnt tie into statements provided by XXXX 2. Account doesnt 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 explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C.Tech Collections, Inc.
State: NJ

Complaint narrative:
I became aware of a six year old or so debt by credit reporting agency. I dont believe I owed any money. I contacted collection agency on Monday to obtain detail information and to resolve the matter. I requested they send me information on the debt, where were the services rendered, by whom, amount owed, date of service and if processed by insurance. Collector said they had it on there screen and would not send me the information but gave me a phone number for the healthcare provider. Collector said I had to pay balance in full to have it removed from my credit. Per FDCPA rules they are obligated to verify the debt, this collector refused to do so. I have a right to know. 

Ive reached out to multiple providers in an effort to get details and have been unsuccessful. To date the collector refused to prove me with any details regarding this alleged debt, if they represent the original creditor or not, nor has any other provider been able to provide me any details associated with this alleged debt. Ive been given the run around ona debt I dont believe is even collectible 6years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed that Portfolio Recovery is reporting a debt that I do not owe. The original creditor was XXXX XXXX  but my debt to them was taken care of in my bankruptcy. I was under the impression that this was taken care of but this has been updating and really hurting my credit. This is a violation of my bankruptcy stay and it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scammed out of close to {$25000.00} of money on three accounts, including my Chase Freedom Card. Chase originally reversed these charged and the money was taken off my account. However, they have now put on some charges that are still incorrect and are denying my claim to have them reversed again. I have a police report stating that my card was comprised/stolen and these charges need to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CO

Complaint narrative:
XX/XX/XXXX ReliaCard debit card, seemingly sent by U.S. Bank, was fraudently opened in my husband 's name. Actual card sent to to him to activate. He did not request card. We went to bank to try and find out what happened and they told us not their problem. Someone was able to issue U.S. Bank visa debit cards with U.S. bank strangely having anything to do with it. A representative of U.S.Bank took card and destroyed card. I had the face number of the credit card that he did not ask for so I tried to report card as fraud but could not complete the form because we no longer had the card with the 3 digit code on back.We were not able to fully de- activate the card. 

XX/XX/XXXX He received a state unemployment 1099-G form saying he had received unemployment money in XXXX. He did not apply for unemployment and has been retired for 5 years, and received no unemployment money. He contacted the state regarding this to tell them. He is still waiting to hear back.

In essence someone stole his Social Security number opened up a U.S. Bank Relia Card and claimed unemployment on his social security number. What can he do other than freeze his credit and report to you. Please let me know.

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 2021-01-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is totally unacceptable. This is my second complaint due to the negligence the bureaus have displayed. On XX/XX/XXXX I sent in my first letter regarding the inaccurate, misleading, and false reporting items I noticed on my credit report. I received no reply from the bureaus because of this. I wrote them a second letter on XX/XX/XXXX. I have yet to hear any response from the bureaus. This is a violation of my rights. Section 611 ( a ) states that once a reporting agency receives a dispute within 30 days, the agency must record the current status of the disputed account or delete the account from the report. It has now been over 80 days since my original letter was sent. The bureaus have a payable up to {$1000.00} each I demand these accounts to be deleted for their inaccuracies and the negligence of the bureaus. I will not wait for another 60 to hear a response. This has been stressful and needs to be addressed.

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 2021-01-28 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: FL

Complaint narrative:
on XX/XX/XXXX, I submitted a complaint to CFPB in reference to XXXX XXXX XXXX because they placed a debt collection account on my credit report that I had No knowledge of. XXXX and XXXX XXXX XXXX found my complaint to be correct. This company had closed and they sent me a letter stating that the account was deleted and removed from all of my credit report and that they had notify the bureaus to let them know to delete it from my credit report. Experian is the only credit bureau that refuse to delete this from my credit report. They said they are still investigating and I wrote them a letter on XX/XX/XXXX XXXX in reference to the matter which makes it over thirty days which is also a violation of my rights as a consumer. I talked to a representative XX/XX/XXXX and he said there was nothing they could do until their investigation was done. This complaint is in reference to Experian Credit reporting agency.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union will be transitioning all adult checking accounts to a Premium Checking account, and charging a $ XXXX  monthly fee. They advertised the premium checking as something that was optional or for new accounts. They sent an email saying that my account would automatically be transitioned to the new premium account, without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: TN

Complaint narrative:
I've disputed with the credit bureaus for months because the inaccuracies, incomplete, and unverifiable accounts that have been reporting on my account. I would like for these accounts to be removed because they are purposely reporting these account to damage my credit worthiness, could you hold them accountable?

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase closed my account and sent a check to me for my balance. 
Now I get a 1099-not showing that I received a bank account bonus and interest that was taken back! 
If I never received the income then I shouldn't have to pay taxes on it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One auto finance let someone use my name to get an auto loan. This account does not belong to me i have tried to contact the company i have submitted an identity theft report and Capital One keeps verifying that this account t belongs to me. The account is reporting as closed.i have tried to dispute this fraud the the bureaus but capital one keeps verifying this account. I should not have to go through this the FRAUD is ruining my name. I have a family. i have done everything that i can do i am fed up. XXXX, XXXX and XXXX is not helping my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I was set up for an introductory meeting with a Mortgage Banker from Quicken Loans, that was set up as a referral from my co-worker. The call started at XXXX MT and immediately the Banker, XXXX XXXX ( XXXX XXXX XXXX  ) started asking me questions about my current mortgage and gathering information from me he needed to qualify me for a refinance. He asked for my Social Security Number and said it was so he could see my current loan information ( outstanding balance, rate, etc. ). He proceeded to ask more personal questions. I stopped him and asked if he was planning on doing a hard or soft credit pull - he proceeded to tell me that " he has already done a full credit pull ''. 

I contacted credit disputes at Quicken Loans and they said they will not reverse the credit pull. 


I never approved a credit pull. I've never refinanced ( I was a first time homebuyer in XX/XX/XXXX ) and never worked with Quicken Loans. I feel taken advantage of by cut-throat sales tactics fear the long term loss of buying power as a strong lender created by a lower Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: GA

Complaint narrative:
On or around XXXX of 2019 I submitted documents to both XXXX and TransUnion regarding a bankruptcy being reported to my credit. I submitted proof from the XXXX XXXX they DO Not report to credit bureaus. The bureaus insisted that they recieved the information from the courts which was in fact false. Also, the bankruptcy is reporting as a name other than my own. The bureaus have yet to remove this item from my report. The Bankruptcy is not reported on XXXX and XXXX sent documentation to both. They have refused to comply as detailed in law regarding credit agencies reporting public records.

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 2021-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2020, M & T Bank accepted a completed form to request automated payments to the HELOC. They have never initiated the automatic payment service and they continue to send bills that are incorrect and show additional money due. M & T is also charging late fees for the amount that they claim has not been paid. In the mean time the correct payments are being made each month. The minimum monthly payment is about XXXX, the fees are XXXX per month, payments of XXXX per month are being made but the bank still claims the payments are not adequate.

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 2021-01-28 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: UT

Complaint narrative:
I have submitted multiple disputes with XXXX, XXXX, and Transunion and have yet to receive any correspondence from them! I have inaccurate items reporting on my credit file that I need removed immediately. I have been trying to get things removed since XXXX of 2020 and have yet to receive a single letter or word from them. I understand with the pandemic, there is a delay but this is ridiculous. They lawfully have 30 days to respond to my disputes and it's been months!! The inaccurate items must be removed from my credit immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
On XXXX XXXX I received a document from Early Warning in XXXX AZ stating the following : Early Warning does not have access to account documentation and is there for unable to provide copies of any documents. For more information, please contact the furnisher directly. The contact information is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX On my Early Warning Customer ID # XXXX I have 3 items I am listed below : XXXXXXXX XXXX  - XXXX  XXXX # XXXX Account # XXXX Principal Lost {$0.00} Contribution Reason : Checking Account Fraud XXXX XXXX - XXXX XXXXXXXX # NONE Account # XXXX Principal Lost {$0.00} Contribution Reason : Checking Account Fraud XXXX XXXX XXXXXXXX XXXX # XXXX Account # XXXX Principal Lost $ PAID Contribution Reason : Account Abuse After several attempts with XXXX XXXX and XXXXXXXX XXXX also confirming that the above 2 accounts are NOT Checking Accounts there are old credit cards that had fraud on them because of them being stolen. 

After several attempt with XXXX XXXX XXXXXXXX this was not Account Abuse my bank card had be stolen and I closed the account because they would mot release my funds!!! 

Early Warnings has first refused to show me any proof of documentation and now have clearly stated that they have NO documentation. I want these items removed immediately from my account and now they are refusing to do so with NO documentation or legal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union without asking members first automatically enrolled them in " premium checking '' that will cost XXXX bucks a month. Yes, you can try it " free '' for 2 months, but enrolling them without permission is where I take offence. If I wasn't told by another credit union member I would have been completely in the dark and then wondering why there were charges every month for something I didn't buy or approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
Identity stolen and used at local hospital.

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 2021-01-28 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting erroneously on my credit file. I recently checked my credit and noticed that Express Recovery was reporting collections that had already been paid and satisfied. I was told when I settled these that the accounts would be removed from my credit and I took their word. However, every time I look into my credit, the collections are still reporting. Not only that, this is all medical debt! I never signed a HIPPA release form to allow Express Recovery to report on these accounts. This is a huge HIPPA violation and it must be removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX let someone use my name to get an auto loan. This account does not belong to me i have tried to contact the company i have submitted an identity theft report and XXXX XXXX keeps verifying that this account t belongs to me. The account is reporting as closed.i have tried to dispute this fraud the the bureaus but XXXX XXXXXXXX keeps verifying this account. I should not have to go through this the FRAUD is ruining my name. I have a family. i have done everything that i can do i am fed up. XXXX, Transunion and XXXX is not helping my situation

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 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I reported a fraudulent charge to Citi Commercial Cards in XX/XX/XXXX. As of XX/XX/XXXX, they have not credited the fraudulent amount, they continued to charge me late fees every month, and they continued to call me and send me letters to collect on the fraudulent charge plus late fees. 

I was out of country on XXXX XXXX when the charge occurred. I have proof ( XXXX XXXXXXXX ) that I was serving out of country and could have supported the investigation on the fraudulent charge. Citi declined when I offered to offer proof to assist in the investigation on the fraudulent charge.

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