vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: AZ

Complaint narrative:
TRANSUNION XXXX. XXXX # XXXX XXXX, XXXX XXXX To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account U.S BANKRUPTCY COURT XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX and the following inquiries are also unauthorized and fraudulent XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: AZ

Complaint narrative:
TRANSUNION XXXX XXXX # XXXX XXXX, XXXX XXXX To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXXXXXX Unverified Account U.S BANKRUPTCY COURT XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX and the following inquiries are also unauthorized and fraudulent XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 2021-03-19 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: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I called the company talked to them so they were the fraud department was going to contact me still have not contact me it is not my account I did not open that account and I would like it to be taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had an amount of {$86.00} that was due and was reported by XXXX XXXX. On XX/XX/XXXX i call and paid them the {$86.00} dollars and they charged me an extra {$4.00} dollars to do it over the phone with a credit card. Now when I look at my credit report. They say it is closed and in the remarks it said the consumer disputes this account information. I even have the receipt that they sent me the day that I paid it. They need to correct it and show that i did pay the full amount and not say its closed by a dispute.

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 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY

Complaint narrative:
FEIN SUCH & CRANE proceeded with a foreclosure despite many errors in proceeding and entered judgement while modification was being processed which resulted in 2 cases of Dual Tracking

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
On XX/XX/XXXX ( via USPS Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX Creditors ' Discount & Audit Co received a request for validation from me for two alleged medical debts. CDA not only failed to validate the inaccurate debts but also accessed my medical information without a HIPAA Release Form. Furthermore, CDA failed to document a current business relationship between them and the alleged original creditor. I've disputed these inaccurate tradelines with the major bureaus several times, of which CDA consistently verified these erroneous debts. I've filed two separate disputes with the credit bureaus ( # XXXX, XXXX ) to no avail. In the midst of these disputes with the Credit Reporting Agencies , Creditors ' Discount & Audit Co went on to change both account numbers without notification or explanation. 

I've never done business with Creditors ' Discount & Audit Co. There are no documents bearing my signature of any services or products rendered to me from CDA. 

CDA is in gross violation of the Fair Debt Collection Practices Act and Health Insurance Portability and Accountability Act, and according to these laws, they must remove these invalid accounts from my credit reports. 

In an honest attempt to solve this issue amicably, I've allowed CDA to ruin my credit far too long. I trust they'll finally govern themselves accordingly. 

Thank you, XXXX XXXX CC : Illinois Attorney General, XXXX XXXX XXXX, US Department of Health and Human Services

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XX/XX/21 a certified debt validation was sent out to PRA. XX/XX/21 PRA sent 2 statements neither correspondence validated the debt. XX/XX/21 an notarized affidavit of fact was sent to the company certified. Portfolio Recovery Associates LLC has violated my rights as a Federally protected consumer. The following violations were found with Exhibits to prove so. 15 USC 1692e ( 11 ) False or Misleading Representation - failure to disclose that the debt collector is attempting to collect a debt. 15 USC 1692b ( 5 ) Acquisition of location information - the debt collector shall not to use any symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692d ( 1 ) Harassment or abuse The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 15 USC 1692j Furnishing certain deceptive form, and TILA 15 USC 1605 - Fact this is a consumer credit transaction using a credit card where the creditor accredited from when a finance charge is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: MD

Complaint narrative:
ive disputed these inaccurate item and Transunion keeps coming back as verified which is incorrect tried to contact the company and that was pointless

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 2021-03-19 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: PA

Complaint narrative:
Hi, In late XXXX I had some trouble with making a payment on time for my car loan with XXXX XXXX. Realizing how much of a problem this was I reach out to XXXX XXXX Auto and at that time I was able to make an arrangement in which the rep I spoke with stated that my credit would not be effected negatively if the arrangement was kept. In XX/XX/2020 I noticed that I had late payments on my credit report for XXXX and XXXX despite the assurances from the rep that I spoke with previously. I contacted XXXX XXXX XXXX in XXXX and informed of the late payments that were reported after completing an investigation XXXX XXXX XXXX corrected my credit report for the months of XXXX and XXXX. I continued to keep up the agreement in XXXX and XXXX. My XXXX payment came just a few days late in early XXXX but never reached the 30 day mark. I have recently discovered that XXXX XXXX XXXX marked me late for the months of XXXX and XX/XX/2020 despite my on time payments. I have disputed these payments with the credit bureau to no avail and when contacting XXXX XXXX very little was offered in correcting this issue. 

I also have not been able to log in to the online portal to make payments in a way that would be most comfortable for me. I do not receive any billing statements in the mail and can not see the online statements to properly track my bill despite contacting the company several time to have them resolve this issue to no avail.

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 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Please refer to previous filed complaints XXXX and XXXX. 
Since filing these complaints, 5 transactions {$50.00} and 4 a {$25.00} have been presented three times, returned 3 times and assessed overdraft fees {$36.00} for each transaction. As well, 6 @ {$30.00} were presented as extra fees of the merchant of the {$50.00} and 4 @ {$25.00} transactions. These fees were also presented 2 times and returned. Banking regulations allow 2 presentment but institutions accept as many as are presented. 
This process is a severe abuse on the consumer. 
This is a process that is used to generate fees. As well, the transactions are re ordered so there may be funds available for lower amounts but largest are put first even though not presented in that order. 
I have communicated with the Executive Escalation Representative, XXXX XXXX. She has refused to consider the circumstances and abusive processes which caused the issue. My account would not be overdrawn if not for this unfair practice. I still have to pay the returned items and the overdraft is all fees. PNC has refused refund in the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Mortgage Servicer US Bank has forced placed insurance. However I paid for insurance that was collected in escrow during the refinance through XXXX XXXX. I have sent the Mortgage servicer the insurance binder, insurance declaration page, and insurance carrier contact information multiple times. US Bank has all of my timely correspondence documented. They make it very difficult to speak with someone, and only respond by mail letters. I have called the servicer several times, and the US Bank has received my documents. On a recorded call, the representative said the insurance docs from XXXX XXXX Homeowners insurance was acceptable. However i receive a letter dated XX/XX/XXXX they are force placing insurance, raising my monthly payment. I have never received any emails or calls from US Bank. I call them back after receiving mail. 

I have documented emails where I have sent suffeicent coverage.

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 2021-03-19 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: AZ

Complaint narrative:
TRANSUNION XXXX. XXXX # XXXX XXXX, XXXX XXXX To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXXXXXX Unverified Account U.S BANKRUPTCY COURT XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX and the following inquiries are also unauthorized and fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Home Mortgage is reporting incorrect information to the credit report agencies and their partners. Within the status of my credit report, it reads, " Open/never late. Deferred, payments begin 2021. '' In the note section, it states, " Payment deferred '' What payment is deferred? 

This is incorrect, and I have no deferred payments taking place in XXXX nor the near future.

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 2021-03-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have mailed dispute letters to all 3 credit bureaus XXXX  ; Equifax ; and XXXX  about items on my credit reports that I should be removed. I have not received any responses from any credit bureau regarding the disputes. I have sent month after of month of disputes and have never received a response, the letters in question have been attached as proof my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to attempt to open an account at the companies listed I did not authorize this attempt, and I therefore request that it is deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: MN

Complaint narrative:
I have attempted to file a dispute with Equifax directly, using their online dispute portal, but it will not let me. I get an error message saying I can not file a dispute online. I am disputing the account on my Equifax credit file from XXXX/XXXX. This account is now paid in full and has a XXXX dollar balance. I have attached a letter from XXXX/XXXX, which shows that the account was paid and there is a XXXX dollar balance, as of XX/XX/2021. 

As for XXXX and the two people I spoke to at XXXX, XXXX and XXXX, they both used rude, aggressive and intimidation debt collection practices when I attempted to pay this loan and obtain the attached paid in full letter. Both XXXX and XXXX would not let me finish my sentence, they intimidated me by saying they would not send the debt satisfaction/paid in full letter unless I respected them and that they would make certain that the account was NOT updated with the credit bureaus to list it as paid in full and a XXXX dollar balance. I have previously complained about XXXX and their debt collection practices, and XXXX and XXXX of XXXX only prove the point that their actions were abusive, intimidating and illegal in how they attempted to collect upon this debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
A debt validation was mailed certified to the collection company on XX/XX/2021. The company received the letter on XX/XX/2021. In response, on XX/XX/2021 the collection company sent copies of my bills which contained my medical history such as : Diagnoses codes, procedure codes, and procedure description. This is a violate my HIPAA rights.

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