vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX  {$200.00} / XXXX XXXX XXXX XXXX  ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill Medicare, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX  {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.

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 2021-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2021 I reached out to PNC BANK in regards of applying for a consumer credit transaction. At my request, I gave notice to the loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, he stated that my ECOA ( Equal Credit Opportunity Act ) request is being forwarded to their legal department for review. I have not heard back from the loan officer on any updates or status transparency, nor have I been granted the opportunity to apply for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I canceled my American Platinum card over a year ago. Recently, I received a letter stating that I owed money on the card. I called American Express and they said it was taken care of and I wouldn't have any issues. I was also told that this was American Express ' fault and not my own. 

Flash forward a month and my current Gold card gets declined. I called American Express and they said the Platinum card issue was not resolved and, because my gold card was linked to my platinum card, it was declined in association. It was a Saturday and I was told it would be resolved first thing Monday. It was not. 

My husband tried calling Monday and was on the phone for 2 hours with no resolution. I called later that day and after 2 hours all they could do for me was let me temporarily use my card for 5 days while they worked to resolve the issue. I doubt it will be resolved by then and my card will be unusable again due to an issue on their end. When I asked for a refund for my yearly fee, I was told no. I asked to speak with a supervisor and no one was there. I was told I would receive a call from a supervisor within 24 hours and no call came. 

American Express is holding my card XXXX due to an issue on their end that is out of my control. They have been harassing me with continual pay up texts, emails and mail. They have wasted hours of me and my husband 's time. I have been with amex for 6 years and it has become apparent that they only care about your money and not you as a consumer hence why they refused to refund my yearly fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 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: NCB Management Services Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX and NCB management service which is the same debt!! However XXXX XXXX was apart of multiple state class action lawsuits were the judge ruled in the consumers favor that XXXX XXXX had to buy back or cancel the debit of all the subprime loans and pay restitution to the consumers! I was apart that lawsuits I have received my check however the debt is still on my credit report plus they sold the debt to NCB management Service and it on my credit in fact its still in collections in they are trying to collect the debt from me however the judge rule that XXXX must buy back the debt in wipe it from my credit that hasnt happened! Total amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I received repeated calls from Aargon Agency regarding a debt due XXXX XXXX Hospital. The debt was paid directly to the hospital. I even provided a receipt to them from the hospital but they refuse to update my credit information that the debt has been paid.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill Medicare, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill Medicare, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX  {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
The FNB 's online banking system is not stable, and it can't be open now while I am writing this complaint. So the below dates are what I remembered. 

Several days ago, around XX/XX/XXXX I wanted to transfer all the remaining balance ( around {$710.00} ) from FNB to my other bank. One or two days later, I saw a new transaction that FNB charged me a returned item fee ( {$37.00} ). I was surprised, then I noticed that they have a {$0.00} transfer fee that I forgot to deducted when transfer. So I immediately contacted FNB by phone and ask the representative if they can waive the fee. They said NO, they can't return any fee. So I asked the representative if I can close my account. The representative said YES, and requested me to send an email to her with my full name, address, and account number. After the call, I immediately send an email to her. But she send an email to me that she can not close my account because my address is different than the one on file. She will need me to go to any branch or send her a notarized letter. I sent her another email stated my old address and current address, and told her I updated my address in the system in the morning. Probably the system needs sometime to reflect my most recent address. So I told her that I will contact her again to close my account once my address is updated in their system. 

Yesterday, XX/XX/XXXX, I looked my account again, and found there was another {$37.00} returned item fee charged on my account. I don't know why FNB charged me again, so I wrote another email to the representative if she can waive the fee this time. Meanwhile I receive a message from FNB says my address is successfully updated in their system. So in the email, I also told the representative that my address is updated in their system, I would like to close my account. The representative said the transfer was pulled again and NO, they can't return any fee. I was so disappointed and mad because I don't know why and who pulled transfer and why FNB charged me twice. The representative also said they can not close my account unless I go to the branch or send her a notarized letter. I don't understand why they want me to do that even my address is successfully updated. Btw, the closet branch is 1 hour and 30 min away from me, and I don't want to spend more money and time to have a notarized letter. I am really upset and don't know what I can do to close my account. I can not believe that I can not close my account simply because I updated my current address in their website. I also don't now why FNB charge me twice the returned item fee and if they are going to charge me again and again even I didn't transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Captial one has had my account in frozen status since XXXX and they are refusing to return my funds. They requested XXXX and XXXX returns but yet they are not processing their investigation. After being told my account would be unlocked after I submit my XXXX returns. They refuse to communicate with me about my money. They are fabricating their reason for freezing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2021 I gave Capital one my Checking and routing # to make the payment of {$270.00} which was the balance on my credit card. They waited until now to send me something in the mail saying that the payment didn't go through and that there was an issue with the checking and routing #. My complaint is that they should have called me as soon as the payment didn't go through, not only has my credit suffered due to there neglegance but they have doubled the price that I owe them, making it now {$410.00} I am a United States Veteran and I haven't been late on payments in years. My hopes are that Capital one will reverse the late payment claims on my credit report and erase the extra amount that they have added on to the {$270.00} I intend on paying {$270.00} but anything over that I do not want to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I noticed I have inquires That I did not request reporting on my credit report. They should be taken off right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I noticed I have inquires That I did not request reporting on my credit report. They should be taken off right away.

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 2021-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I do not owe the amount of {$410.00} as of XX/XX/2019 I've disputed this debt several times with this company, but it was under a different name. I've tried to resolve this debt by showing proof of validation, but no avail. I need proof of validation from this " new named '' fraudulent company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/2021 I paid my loan with USAA in full. I waited 7 to 10 days for it to show on my credit report. It had not, so I filed a dispute with XXXX  and XXXX. USAA came back saying the credit report was correct and dispute was not valid. So I waited a few days and submitted another dispute with XXXX, once again the same response from USAA. So I filed yet another dispute and attached the document below, which is from USAA clearly stating the account is paid in full. They once again come back on the XXXX of XX/XX/2021 stating the dispute is invalid, account is open and balance is correct. I have made numerous calls to both XXXX  and USAA and have gotten the run around over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing a debt owed for {$1800.00} for the past year. It has been removed from XXXX  and XXXX, yet Experian continues to add it without providing me with documentation of how I owe it. 
I will attach a police report I filed in XX/XX/XXXX. Please see my past complaints where I also complained on other parties involved. 

I have gone as far as to contact the original creditor, who had no knowledge of who I was. Because it claims to be an apartment rental, I contacted all of the utility companies in that area who stated that do not have a bill in my name and the cable company XXXX  said that the particular apartment in question does not exist. The postal service there also could not access it.

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 2021-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Hyundai XXXX Finance Title Problems : I have been waiting for over 2 months Hyundai XXXX finance release my title. I purchased my vehicle XXXXat the end of lease, confirmed they received the check full amount {$29000.00} of purchase price on XX/XX/2021 and sent the odometer by mail and email 3 times. 
Also called the XXXX XXXX XXXXXXXX ( XXXX ) several time and received email from XXXX XXXXXXXX that they would be sent out the title 3-5 business days. No response! 
XXXX XXXX told me that my odometer was not signed, not true, the other XXXX and XXXX says they have staffing problems etc. so many excuses. 
They emailed me they forwarded my email to Lease Buy out Team, No Response! 
I complained to my dealer at XXXX XXXXXXXX XXXX XXXX, No Response! 

Hyundai XXXX doesn't care about customers once they finished the Lease. 
Please help me to get the my Title release from Hyundai 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 explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Veros Credit, LLC
State: CA

Complaint narrative:
During the time I had signed the lease agreement which was XX/XX/2021 until today 's date XX/XX/2021 i had conceived the virus known as XXXX twice and had informed the company ( veros credit ) that I would be unable to make the payments on time. They had not only harassed me the first time only after 40 days but had also called me before the hours of XXXX and after the hours of XXXX multiple times ( pictures of phone logs in XXXX  ). They have also called me from various numbers not associated with the company itself that I was aware of. I would like some restitution as well as some emotional distress damages that were on my son seen as the phone calls at XXXX and on not only woke him up but also caused him severe emotional trauma when he was jolted awake by the continuous calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/2021 I reached out to CITIZENS BANK in regards of applying for a consumer credit transaction. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, she stated that my ECOA ( Equal Credit Opportunity Act ) request is being forwarded to her supervisor, her supervisor then informed me by via email that this matter was being forwarded to their legal department for review. I have not heard back from the mortgage loan officer on any updates or status transparency, nor have I been granted the opportunity to apply for this transaction.

Company response to consumer: Closed with explanation