vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I created a wire transfer to XXXX using my Bank PENFED Credit Union on XX/XX/2024. The record id provided can not be use to track the wire. The XXXX XXXX did extensive search and could not located. The money has not arrived as of XX/XX/2024. During this time PENFED was contacted to provide updates and a proper reference number and/or receipt of transaction which they denied several time to provide. On the most recent call with XXXX XXXX on XX/XX/2024 I had to explain to him what the requirement of the XXXX wires are especially the fact that they at least have to provide an XXXX XXXX XXXX upon request, to what he was clueless about it, his XXXX XXXX XXXX and even the back officer support of XXXX XXXX wire department did not know what I was talking about. I learned that PENFED subcontracts its wires to XXXX XXXX. People who are not qualify, trained or knowledgable about wires should not be working in that specific department and should be fired immediately. My money is lost and no-one in PENFED is helping. I hope you can request the call from PENFED ob XX/XX/2024 with supervisor XXXX and tell me if he is qualify to be a supervisor at all.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Barclay hard credit inquiry not authorized by my spouse or myself.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Contemporary Information Corp
State: NJ

Complaint narrative:
I reached out to CIC after being turned down for an apartment citing that I had been previously evicted. My previous landlord did in fact file for eviction in XXXX ; however, the case was dismissed by the landlord and I remained in the home. I submitted a subsequent case document from the judge to CIC that occurred in XXXX at the same residence with the same landlord that was dismissed by the judge herself. I stated that if I were in fact evicted in XXXX then a court proceeding under a different docket would not be possible in XXXX ; moreover, that case was also dismissed. 

I asked them to take down the information as they were now in violation of reporting false and misleading information preventing me from finding a place to live. As a consumer, I explained that they are also infringing on my right to privacy. 

They refused to take it down citing that the courts needed to take down their records which they know is irrational and not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning my account with Capital One, specifically account number XXXX. My name is XXXX XXXX XXXX, and I am addressing this concern in relation to the reported charge-off on my account. 

I have enclosed documentation confirming the payment of the charge-off in question. Despite the payment, I understand that a charge-off is considered a certificate of indebtedness, and its reporting to consumer credit files ( XXXX, XXXX, and XXXX ) is subject to specific regulations outlined by the Fair Credit Reporting Act ( FCRA ). 

As of my knowledge cutoff date in XX/XX/year>, it is my understanding that the reporting of charge-offs to credit bureaus must adhere to certain guidelines and time frames outlined by the FCRA. Furthermore, I would like to bring to your attention that a charge-off is considered income, and I am entitled to receive a Form 1099 for tax reporting purposes as required by the Internal Revenue Service XXXX IRS ). 

I am disputing the reporting of this charge-off on my credit reports and demanding its immediate removal from all credit reporting services in accordance with the FCRA and related statutes. The payment of the charge-off serves as evidence that the debt has been satisfied, and its continued reporting is negatively affecting my creditworthiness. 

I have not received a Form 1099 for this charge-off as required by the IRS, and I am requesting that it be provided promptly. Failure to comply with these requests within 30 days from the date of this letter will result in further action on my part. 

Should the necessary actions for the removal of the charge-off and the provision of a Form 1099 not take place within the stipulated timeframe, I will be left with no choice but to pursue legal avenues, including filing a pre-arbitration demand letter and submitting a Form 1099 to the IRS. 

I trust that Capital One values its commitment to fair and accurate credit reporting and will address this matter promptly. I appreciate your attention to this issue and look forward to a swift resolution. 
Sincerely, XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I paid off my mortgage held by XXXXXXXX XXXX in XXXX 
A company call Mr Cooper apparently bought XXXX XXXX and decided to keep my social security number and private info even though I 1. Had paid off my mortgage in XXXX and 2. Have never done business with Mr. Cooper ever. 
Mr. Cooper has now lost my information because they have been hacked. 
How long or if ever is Mr. Cooper as a legal Mortgage company allowed to keep my info?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
My Daughter has a loan with Honda Finance and we pay the monthly payment. Honda Finance has put it on my credit report that we were late in XXXX and I am only a co-signer and should come into to play if there was a default. 

Also, we have been affected by XXXX XXXX and my husband passed away XX/XX/2023 which is the same month of the late payment reporting. 

I asked Honda to please have compassion for the situation and they would not remove the late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management called ( XX/XX/24 ) to threaten to sue, after I've received no mail of the situation. I had received a call a long while back about a debt that was dropped by XXXX during XXXX and when I was out of work due to injury, and he threatened to send me to jail for not answering him or paying. 
Today 's call was defending this previous interaction, and threatening to tack on wages and interest to what is owed as she got heated with me in my defense of the situation. 
She doubted me being at work and working when I told her I was opening up the restaurant I worked at and needed to go. Very unprofessional to pretty much call me a liar over the phone when I'm here trying to work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I've tried, several times, to close my accounts that used to be with Bank of the West that were taken over by BMO bank. They do not have a branch location within a XXXX  hour drive of my location so I've called several times to get the account closed but to no end. 

On XX/XX/2024, I drove the XXXX hours round trip to a XXXX branch location, thinking I would be able to close these accounts. I was assured by the bank teller that everything was finalized. 

XXXX, I received an email that my statement was ready to check online. Since it's XX/XX/2024, I've logged in online and see that the checking account is still active. I tried working with the representative this morning but she seemed too worried about enrolling me in XXXX XXXX rather than closing my accounts. 

I don't understand what the problem is. I've never had this much trouble getting accounts ( with monthly fees ) closed. I feel like I'm being preyed upon by this banking entity and I no longer want any association with them. Please help.

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PLS GROUP, INC
State: CA

Complaint narrative:
XX/XX/XXXX I transfered {$250.00} and another {$100.00} to pls expectations card but the funds never showed in the account. The transfer is automatic, and I have no way to overdraw the account. Only a few can overdraw it. I called pls. They stated that the funds couldn't be disputed as they were not a charge. I asked to be sent a statement and received one.The evidence is clear. They show the funds as a charge of an ATM withdrawal the day before I transfered it to the account, not possible. They also locked my card and refuse to follow through with reactivating it. The statement emailed to me has been falsified by pls. I also have the recording of the recent transactions verification while calling pls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE ACCOUNT IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, ACCOUNT : XXXX XXXX XXXX XXXX XX/XX/year>

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 2024-01-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica

Complaint narrative:
This is a follow up to complaint # XXXX which was closed. Comerica bank indicated that on XX/XX/XXXX that all of my remaining social security funds were sent back to social security via ACH. It is XX/XX/XXXX and social security is telling me on XX/XX/XXXX that they have received NO money back. Please see social security response below. I need help getting Comerica to follow through in sending money back to social security ASAP. 



Thank you for contacting the Federal Benefits Office in the American Embassy XXXX. 


There is no returned payment on beneficiary 's record and Social Security Administration can not request to reclaim funds from any financial institution in life cases. Social Security recipient needs to get in contact directly with XXXX XXXX to resolve the issue. 
Should you have any questions on Social Security matters, we remain at your disposal. 
With respect, XXXX XXXX Claims Representative *****

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2024 at approximately XXXX I received an email from capital one stating that I was approved for my credit card. I have not applied for a credit card with capital one or any other bank and it left an hard inquiry on my credit report that I would liked removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I call to dispute the debt, they said they send it to me via mail, I ask for it to be sent via email. they said because it is a dispute it has to be sent by mail. I was give a reference XXXX XXXX.When I didn't receive the document I call back they the despite was cancel, and i can try again, and then they said they cant and a letter had been sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent multiple affidavits to let this company know, I don't owe them anything and that we have no contract together.

Per the FCRA as a Federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given written unwritten, verbal and non-verbal. 15 USC 6802 -6805. Effective immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I entered into a lease with American Car Center in XX/XX/scrub>XX/XX/2023. Soon after I was notified that American Car Center had closed and filed bankruptcy and WestLake Portfolio Management would be taking over the payments. I never signed an agreement with WestLake Portfolio agreeing to any terms although I have made payments to them. Soon after the notification of WestLake Portfolio Management I was notified by WestLake that they would be canceling part of my contracted terms like the warranty for mechanics in the event I have mechanical issues and a damage and loss waiver that was also part of the contract. I have also asked to be supplied with the full contract and can only get after months of arguing with WestLake a slim 7 pages to the 20-30 something pages of the contract which I have from American Car Center. They now refuse to do anything to help me fix my car after the check engine light has come on and mechanical issues have come up. I will be attaching copies of my original contract, the contract provided by WestLake, and the cancellation notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX  XX/XX/XXXX after seeing an ad on XXXX about helping folks with placement for vending machines, I contacted XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX vending machine  at XXXX for a consultation. She assured me that she can help with placement and the purchase of a vending machine to start a small business. She requested {$1000.00} upfront to help secure the location and then XXXX for the machines. I transferred via XXXX XXXX XXXX XXXX to her account at TD bank XXXX on XX/XX/year> routing # XXXX. The address listed for her business is Contact Information XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation