vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC Bank for some reason refuses to integrate with major apps for transferring funds such as XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing because I received a piece of mail from American Express after I asked them many times to be put on their do not contact list. The last time I contacted them, sometime last month via telephone, I made it clear that I wanted to be put back on their do not contact list, as our negotiations had failed, and I would be communicating with them through an attorney in the future. This was the last order I had before ceasing contact with Amex completely and handing this matter off to document handlers and others more qualified than myself : Do not call, do not send me mail, do not send me emails, and do not communicate with me in any other way, shape, and/or form ; and, if you initiate contact for any reason, including legal obligation ( for which I waived my right to receive written disclosures and requested they be withheld and directly given to my attorney, who would be in touch with them in the imminent future ). I not only received a letter from them a couple weeks ago with their response to this complaint, which was mailing information for their legal division, now I received this letter today ... I am beside myself. When I say that I dont want you to contact me, I mean it. I am only going to upload the letter I received yesterday ; however, it should be know that I have received many other letters that fall within various timeframe ( s ) that I requested no contact from Amex. I wasnt going to do anything about these ; however, now that you are once again sending me threatening letters, with messages letting me know you credited some lousy rewards points towards my outstanding balance. This letter is a petty and veiled way to remind me that youre still there. Youre trying to mess with me ; and, I am going to mess back. Now that you reminded me how much distress these letters cause, I am going to take the time to collect every single physical letter that I have gotten from Amex in the past 6 months and send them to my prospective attorney for this case. Im sure he will find it quite useful ; and, not only this letter ( see attached ), but all the 50+ letters that I have from Amex Assurance Dept of your company ( sending me harassing letters about account credits and claims ). This was happening throughout XXXX and throughout XXXX. I have gotten two letters thus far in XXXX. And I have all my mail since this ordeal started.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by Lexis Nexis that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from Lexis Nexis, see attached! XXXX had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that Lexis Nexis " verified '' info that they denounced on the attached letter sent to me from Lexis Nexis on behalf of CFPB. So i am confused, how did XXXX " verify '' this Bankruptcy from a company who removed it due to it being inaccurate and illegally reported. Is Lexis Nexis lying about removing it from my file? Or is XXXX lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.

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 2020-07-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
AAG paid HOA expedite fee of {$150.00}, just to save couple of days there is no reason to pay this fee since the loan process took 8 weeks and they needed to wait for other documents. 
Other than that. nothing in my signed application authorized AAG to pay unnecessary fees. 

I need them to reimburse me {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-22 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-22 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: GA

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Bank USA ( Target Credit Card ) charged me a {$28.00} late payment fee on XX/XX/XXXX and a {$29.00} late payment fee on XX/XX/XXXX. The creditor failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$57.00} for the late fees and credit me for any interest accrued due to those late fees. If TD Bank  USA ( Target Credit Card ) disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts nor have I lived at these addresses.

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 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Monday XX/XX/XXXX morning, I discovered through Capital One email that there were a series of fraudulent ATM withdrawals totaling {$2100.00} using my ATM debit card. 

After calling Capital One to report the fraudulent activity, I discovered that the suspect had intercepted and used a card that was shipped to my residence address. The suspect activated this renewed debit card using my identity, reset the PIN number, and withdrew the funds from my checking account. 

The claim number is XXXX I immediately reported the 6 withdrawals and 2 fraudulent check deposit all as fraudulent activity.  On Friday XX/XX/XXXX, an investigator from Capital One called me at XXXX XXXX. He soon decided that I had an " involvement '' in this, based on the assumption that I disclosed the PIN number of the ATM debit card to this suspect. I strongly denied this, but the investigator proceeded to tell me that my claims will be denied, my funds will not be covered, and Capital One will proceed to terminate the service relationship with me. I lost all online access to Capital One banking soon after. 

On XX/XX/XXXX Sunday, after I visited local police precinct, I was told to ask for an affidavit from the bank. I called Capital One to ask for an affidavit of this event. 

On XX/XX/XXXX, I called Capital One again, and I was told that the dispute is closed ( from here, I took a written notes of Capital One 's agent 's description, and I quote verbatim ). I was told that " the case  was elevated, but was denied and there is no longer further recourse ''. 

On XX/XX/XXXX, I filed FTC Identity Theft Report, describing the incident and my personal financial loss, all truthfully under penalty of perjury. 

On XX/XX/XXXX, I received a physical letter from Capital One, stating that they deny my claim. The only reason stated on this letter was stated, " We finished looking into your claim and didn't find that an error happened ''. 

OnXX/XX/XXXX, I went to local police precinct again. I showed my FTC report as well a 
s Capital One 's denial of claim letter. Again I was told that they can not accept my case because Capital One didn't find any crime had occurred. I am at total loss because Capital One would not cover my la
rge financial loss, at the same time my local police would not start any investigation into this identity theft crime. It is incredibly frustrating that despite all the time and location of the fraudulent ATM transactions recorded, none of the parties involved would look into this case, and I am left with a large damaging financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
ON OR BEFORE XX/XX/2020 I USED MY CHECKING ACCT ENDING IN:XXXX, AND BOUGHT ME A 2015 XXXX XXXX XXXX ( BLACK & RED ). WITH MY MEMBERSHIP # XXXX MY COST WAS BEAUTIFUL, XXXX DEALER NAME WAS XXXX NICE FELLOW ( XXXX MAN ) AND I NEVER SPOKE WITH HIM AGAIN.PENTAGON FEDERAL CREDIT UNION HAS DISCRIMMINATED AGAINST ME THEY SENT MY RETIREMENT DISABILITY INSURANCE BACK TO THE SOCIAL SECURITY ADMINISTRATION, ( 2 )  WITHOUT TELLING ME AND I OPENED UP THIS ACCOUNT ON:XX/XX/2020 AND SOCIAL SECURITY JUST RECIEVED MY RETURED CHECKS. AND I HAVE A BILL OF SALE

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 2020-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-22 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concord Servicing Corporation
State: AZ

Complaint narrative:
My wife and alI are victims of identity theft the company XXXX XXXX XXXX XXXX is very much aware of this yet they turned an account that was not ours after receiving verification from the Official police report, to a collection company called, Blackwell Recovery.

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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
I rented to own some merchandise from XXXX stores but ended up surrendering the products back to the store so that wiped out my balance. Now a collection company is now coming after me and Im not obligated to pay them they received their merchamdise back at the store and moat likely rerented it to someone else. 
The original creditor was 09 TEMPOE LLC. It was aold to XXXX XXXX XXXX. I have disputed this with the credit bureaus and only one deleted it the other two say its accurate but it is not. I want it deleted off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
I reported in XXXX of XXXX  when I moved to the XXXX   XXXX XXXX  and reached out for services that the past due amount that they claimed said was due in the amount of XXXX was due to Identity theft. At that time the agent due to goverment shut down did not charge me a down payment and noted that identity theft in my account. 

XX/XX/XXXX I spoke with the Identity Theft representative named Mrs. XXXX due to my account was disconnected due to amount that resulted over identity theft. After faxing the paper work that was required for the process she returned my services and removed the amount that resolved in identity theft only later to add it back on. 
XX/XX/XXXX when my services was disconnected due to the identity theft that I was led to believe was removed i contacted the utility commission, customer services XX/XX/XXXX not only has myself but also the town trustee reached out to customer service and due to the women at the fraud department was not friendly nor helpful to the trustee, he denied to help me and advised me to seek legal counsel.

XX/XX/XXXX the XXXX XXXX president of Indiana and go know where and was forced to pay XXXX dollar re-connection fee, over XXXX dollar bill when my bill should of been XXXX and was forced in to a payment arrangement. 
XX/XX/XXXXEmailed the XXXX XXXX president of Indiana and ethics compliance officer and recieved a call from XXXX whom restored service and attempted me back into a payment arrangement and requested that I send a police report and claimed that is what they were awaiting on. Then I heard from the XXXX XXXX  president secretary stating they never received my paperwork and wanted me to resend all documents again. However, the original fax says it was accepted. 
On XXXX XXXX I sent an email to the president of XXXX XXXX and copies of all identity theft documents and requests for them to do an investigation over my account. 
I also later recognized that not only did they charge me twice for the identity theft from they added it to my account til the very end in XX/XX/XXXX And never removed the identity theft. 
They sold this account off knowing it was due to Identity theft, and charged me double for it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts nor have I lived at these addresses.

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