vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I applied for a mortgage refinance with Pentagon Federal Credit Union on XX/XX/XXXX. I quickly loaded documentation that was outlined in the initial set of documents I received. As part of the application process I ordered and paid for an appraisal on XXXX for XXXX dollars. Communication back and forth between myself and XXXX XXXX was satisfactory up until XX/XX/XXXX. Since that point, communication has been absent. 

Overview of communications and actions since XX/XX/XXXX : XX/XX/XXXX : Request for me to pay for appraisal ( XXXX dollars ), which I promptly did and scheduled appraisal for XX/XX/XXXX XX/XX/XXXX : I received an email and voicemail from Loan Processor outlining the list of documents needed. This list included documents that I had already provided. I promptly called back and left a voicemail with questions to clarify. I have yet to receive a response to any of my questions even after follow XXXX  on XX/XX/XXXX, XXXX, and XXXX. 

XX/XX/XXXX : I replied to email from XX/XX/XXXX with follow up questions about details of documents needed. 

XX/XX/XXXX : Appraisal took place and appraiser said that the completed appraisal should be available on XX/XX/XXXX. I have not heard anything about appraised value from PenFed to date ( today is XX/XX/XXXX ). 

XX/XX/XXXX : Loaded new pay statements and replied to email chain with XXXX XXXX asking for follow up on initial questions. 

XX/XX/XXXX : Followed up again on email chain with Loan Processor and included Loan Officer on email as well. 

XX/XX/XXXX : I called PenFed main phone line, spoke with a representative, outlined that both my Loan Processor and Loan Officer were unresponsive and that I would like to discontinue the application and be refunded the Appraisal Fee. The representative told me that I would need to speak to a supervisor ( they were not currently available ) and a supervisor would be calling me back the same day. I have yet to receive any communication from a supervisor ( today is XX/XX/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 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I have a Barclay 's credit card ( XXXX XXXX ). My account is set up for auto payment. ON two occasions, the auto pay has taken out more than the balance due. This happens when a credit ( like a return ) is refunded to my account which thus lowers the balance on the account. Barclays still pulls the amount on my statement rather than the actual balance. In this case here, the statement balance was {$9600.00}. The actual balance was {$8400.00}. So instead of just withdrawing that amount, they withdrew {$9600.00} leaving me with a credit balance of - {$1200.00}.

To resolve this problem, I have to call the company. They have to wait five days to make sure the payment clears. Then they are going to send me a physical check which I have to deposit. 

Essentially, this means they scam me out of my money for 20 + days ... ..of course they can make money on my money for free. As I said, this has happened once before. How many other people are they also doing this to? 

I have included the statement which shows all of this in detail.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III
State: GA

Complaint narrative:
Allied Collection Services has committed multiple FCRA and FDCPA violations by reporting an alleged, invalidated debt on my XXXX consumer report dated as of XX/XX/2021. I have sent documentation showing proof of this inaccurate account that they have listed along with proof of Allied Collection Services violations via regular mail and via electronically.

Allied Collection Services was already in violation specifically of 15 USC 1692, 15 USC 1681, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a PayPal account that is connected to a PayPal Prepaid Debit Card/XXXX account. To be able to use my PayPal account to get cash or to use at a physical store, I need to transfer the funds to my PayPal Prepaid Debit Card/XXXX 

Right now, I have {$630.00} in my Paypal account. I have been trying for the past week to transfer the funds from my PayPal account to my PayPal Prepaid Debit CardXXXX. 

I have done this many times, so I know how to do it correctly. I have not exceeded any of the transfer limitations. 

Nevertheless, when I try to transfer the funds, I get an error message that says, " There is a problem with this transfer. Try logging in to PayPal to see if money is waiting for you to accept it. If not, contact PayPal Customer Service. '' I contacted the PayPal Prepaid Debit Card/XXXX  company via their online message system. They said the problem was on the side of PayPal, not XXXX. 

I contacted PayPal via their online message system. PayPal did not respond.

I called PayPal. After a long time on the phone, PayPal said it was XXXX 's fault and transferred my call to XXXX without even corresponding with them what the problem was. 

Then I had to go over the problem all over again with a XXXX phone representative. 

Still, I can not access my own funds. PayPal and XXXX are using my funds while my child and I can not even buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: WA

Complaint narrative:
XXXX XXXX ( me ) had an account with Collection Bureau of America, XXXX  XXXX.

I paid the ENTIRE principle down two years ago, and they assured me that they would stop reporting.

I get my credit reports two days ago and see they have been reporting a {$10.00} " late fee '' as unpaid principle. Let me repeat : I paid them the ENTIRE amount they requested. 

I have tried to work this out with them but their only solution, which is basically a Pay to Delete scheme, is that I pay the {$10.00} " late fee, '' and a {$7.00} credit processing fee.

Neither of these fees existed when I paid the original principle which, to be honest, was difficult because it was over {$450.00}. I paid that at one time, there is no reason I would have left a {$10.00} remainder and it has been DESTROYING my credit. 

When I call, they hang up when I tell them they need to legally remove it. They are scamming me into paying a fee they made up. They told the principle debtor I XXXX XXXX XXXX  in XXXX  ( since I did ). This is illegal, immoral, and honestly it's gross.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: NC

Complaint narrative:
I was offered a settlement agreement beginning in XXXX, XXXX through XX/XX/XXXX with six payments of {$170.00} ceasing in XX/XX/XXXX. MY understanding from the representative, XXXX ( credit specialist ) that the NEW agree would override the OLD account and would be REPORTED with the UPDATED settled amount which was paid out. XXXX has FAILED to report my payments as POSITIVE and settled. She/CONNS also continues to put NEGATIVE marks on my credit in which shows negative on my credit to OTHER* creditors. There should not be ANY and I mean ANY remarks on my credit after XX/XX/XXXX with my last payment to CONNS on that date XX/XX/XXXX. PLEASE have them to back date and remove ALL and EVERY NEGATIVE remark fromXX/XX/XXXX-XX/XX/XXXXXXXX XX/XX/XXXX, XXXX Documentation has been sent. I have disputed this but of course everybody plays games. This seems like a DISCRIMINATIVE issue and it NEEDS to be RESOLVED ASAP. 
XXXX @ CONNS # ( XXXX ) XXXX OR CONNS Direct # ( XXXX ) XXXX Thank you, XXXX XXXX XXXX XXXX ) XXXX Leave messages at both XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
Someone fraudulently opened a XXXX XXXX card using my name with USBank. I tried countless times to report fraudulent activity to USBank using the number provided on their website ( XXXX ). I was redirected to another number XXXX and they tell me they can't help me close the account or report the fraud. I am just trying to make sure the account is closed/not activated and report the fraudulent activity.

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 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The bureaus reporting inaccurate information with serious violations of Federal Truth in lending Act and FTC law. 

Causing financial injury and economic hardship. 

Explainable attachment included.

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 2021-07-19 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: NY

Complaint narrative:
The bureaus reporting inaccurate information with serious violations of Federal Truth in lending Act and FTC law. 

Causing financial injury and economic hardship. 

Explainable attachment included.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are numerous amounts of inquiries that I did not authorize on my credit report including : XXXX XXXX XXXX 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 2021-07-19 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: MS

Complaint narrative:
XXXX XXXX and Transunion 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 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 2021-07-19 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: TX

Complaint narrative:
I have informed Transunion that there are fraudulent accounts and addresses appearing on my credit report. The companies involved and Transunion have done nothing to resolve this problem.

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 2021-07-19 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: TX

Complaint narrative:
Someone broke into my car and stole my personal identification information and now attempting to open accounts in my name. I have been a victim of identity theft and the information on the report needs to be removed.

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 2021-07-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX Equifax 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 2021-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC.
State: OH

Complaint narrative:
I had an account at XXXX used by house keeper. She lost the card. Someone then took the card. Opened a XXXX note for XXXX. I never noticed it until I had 2 charges on my card. Over XXXX for one and Over 300 for another. The CC Connect company used a routing number that could be be traced so I cancelled the card. At the time the note was reported taken out I was traveling for work. I have received a written notice from CC Connect credit collections. CC Recoveries. The account number assigned to me XXXX. Have lookedover the document and the IP routing number is not my computer and the contact phone number is not mine. I have disputed this as Fraud and now am following up with reporting this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Funding ... ..I sign onto their website ( with my name dob, & last 4 of my ss # ), and it gives me someone else 's name and debts ( not even close to my name ) ... .to me that is a breach in the other person 's personal information. I called this XXXX company and they don't want to do anything about it or even acknowledge it is a problem. So just know, they will let anyone see your information and not even care!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Army and Air Force Exchange Service
State: MI

Complaint narrative:
I purchased two pair of boots from XXXX in XX/XX/2021 using my military star card. The boots were defective and I was instructed to return them. I did and I was ensured that the transaction would be reversed and as of XX/XX/2021 it has not been.

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 2021-07-19 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:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A XXXX XXXX XXXX XXXX  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 2021-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc.
State: CA

Complaint narrative:
There is a {$1400.00} credit on Account # XXXX XXXX XXXX / Lendkey has stated that the overpayment refund will be issued to the company the aforementioned loan was refinanced through ( XXXX ), but legally the overpayment can, and should, be refunded to the account holder, XXXX XXXX XXXX. I financed, and am financially responsible, for the entire amount that was paid to XXXX XXXX / Lendkey ; therefore, the overpayment should be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX 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 2021-07-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The bureaus reporting inaccurate information with serious violations of Federal Truth in lending Act and FTC law. 

Causing financial injury and economic hardship. 

Explainable attachment included.

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 2021-07-19 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: NH

Complaint narrative:
I made payments to and paid off a loan with XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX, XXXX XXXX XXXX - XX/XX/XXXX, {$16000.00} ). XXXX XXXX claimed they reported these payments and loan to Experian. XXXX XXXX also contacted Experian and claimed it is an error on Experian 's end. Experian is still not showing this loan on my credit report. I have contacted Experian several times ( chat, telephone, online complaint ) but loan is still not showing on my credit report. This loan greatly affects my credit report which is needed to apply for employment, apartments, loans, etc., and has caused severe and detrimental harm 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