vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 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: IL

Complaint narrative:
This is an ongoing case on unauthorized credit inquiries, i notified all parties and i sent a complaint to you guys before about the same thing, I didnt authorize the now 4 inquiries, what did you guys do? Its been over 30 days, some over 60 Days some OVER 90 DAYS and I still haven't got my issues resolved and soon I'm going to court with this because im not getting any assistance with you and Transunion and this is effecting my opportunities to move forward in life. These inquiries should removed from my report as soon as possible and my any points i lost should be repaired especially due to the negligence. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Bank ) 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 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
We hired XXXX XXXX XXXX to move our belongings from XXXXXXXX XXXX XXXX XXXX XXXX and charged us {$12000.00} for the move. I paid the amount by my XXXX card issued by Navy Federal Credit Union. The Van Line is supposed to move the belongings safely. However, when we received our belongings 80 % of the furniture that was packed, loaded, moved, and unloded by XXXX were damaged. Hence, I disputed the amount charged to my Credit card around XX/XX/2022. I provided all necessary documentation including the pictures of damaged goods. After a month, Navy Federal closed the dispute without doing proper investigation with the following comment : " No billing error occurred. The merchant did not violate the terms of their return/ cancellation policy with the transaction in question ''. 

The bank forgot that it is not a good that I bought. It is a service. How can I return a service? The merchant violated their service obligation of safe movement of belongings ''. 

The bank is guilty of a wrong decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX of XXXX, i found errors in my credit report, and did a FTC affidavit, submitting to the bureaus. In reviewing my report, i still found items as simple as a address Ive never lived at, still on my report after being included in my affidavit to them. Iv'e never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX how hard is that?? I've called them only to be told, that they CAN'T remove it because a dead corporation, says i did live there. A dead corporation, dictating real live gods children, positions in life, wow. Call speak to a robot, a robot verifying if i'm a robot, and a dead corporation telling me where i live, who would believe this?? I'm a single mom, trying to survive, not trying to get over on anybody, i need some help, some clarity, thank you

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 2022-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Concord Servicing Corporation
State: NC

Complaint narrative:
I made a payment of XXXX for my XXXX XXXX bill, I purchased a XXXX XXXX money order on XX/XX/XXXX and mailed it off that same day and in XXXX of XXXX I received a statement that my payment was never received, they never once called me but the statement says I now owe for 2 months, I called them, they were rude I tried to talk calm and reasonably with them but they always talked over me, I heard that postal services are behind and its my fault I could not find my money order stub with the number on it, so I called them again on XX/XX/XXXX about that payment with was still showing never received, I spoke to a representative named XXXX, I ask if they could let me talk to a supervisor and he says that they are going to tell me the same thing he told me and that was that I still owe the XXXX payment and I insisted that I speak to a supervisor because I said they have more authority than you to help me, he placed me on hold for over 5 minutes and came back and said they are all in meetings, I asked for the supervisor name and I get the run around, he says they will have someone to call me, they are always verifying your number and email, but they never call me or reach out to me by email, I was given an email address for them if I have a complaint, I did email and still no response. I called back on XX/XX/XXXX to talk to them, I again spoke to a representative and says that I have called several time to get someone to help me and to talk to a supervisor because all I wanted to know is if they can take that XXXX payment and put it at the end of my loan and I continue to make my original payments of {$120.00}, and I let them know that I was not happy about when you make a payment they are charging extra {$5.00} to do it over the phone with them or when you make it online and that was never told to me nor did I receive a letter from them that my loan was sold to them from XXXX XXXX, and Concord Services never provided me with there loan number and that my old loan number was still attached from XXXX. XXXX the supervisor I spoke to about putting that XXXX payment at the send says it should be no problem but he would have to send it to his Account specialist for a payment deferral request and it may take up to 3-4 business days for a response and he verified my phone number and email, I let everyone that I spoke to that I was very unhappy with the service that I have been receiving from Concord and this was on XX/XX/XXXX and here it is XXXX XXXX and no one has attempted to reach out to me about anything.

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 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an email from the Pentagon Federal Credit Union stating that on XX/XX/XXXX, an overdraft had posted to my account. I thought this was odd because I am very diligent concerning having enough funds in my checking account to pay any checks that I write. However, I was not home at the time, and withdrew {$140.00} from my share account to pay the overdraft. 

When I returned home, I logged into my accounts at the PenFed Credit Union. I discovered that there were four withdrawals from my checking account. Two for {$100.00} dollars and two for {$99.00} dollars. These transactions were fraudulent withdrawals using my debit card information. I contacted the XXXXenFed security department about these transactions that PenFed Credit Union had allowed to happen. The individual I spoke with recognized right away that the withdrawals appeared to be fraudulent and informed me that my debit card would have to be cancelled and another issued. 

Because of this fraudulent transaction, the XXXX XXXX XXXX, an overdraft system was activated due to the fraudulent activity on my debit card. I called the credit union and inquired about the overdraft fee, and I wanted to know when these funds would be returned to my savings/share account. The {$390.00} was provisionally returned to me pending an investigation. However, a decision on the {$140.00} withdrawal would have to be made later pending the outcome of the investigation. 

I received a notice dated XX/XX/XXXX, stating that the investigation had been completed and the disputed transactions dated XX/XX/XXXX, from XXXX for {$390.00}, and it was determined that I was not responsible. Also, the provisional credit applied during the investigation, if applicable or, the reversal of the disputed transaction amount is now permanent. However, I was still charged for the overdraft fee of {$140.00} which I do not feel I owe. The overdraft was caused by PenFed Credit Union 's negligence when they failed to ensure all transactions to my account were legitimate. The balance in my checking account for {$390.00} was there to cover my account from any overdrafts. 

I am requesting that the {$140.00} which I withdrew from my share/savings account be credited back to my account. I submit that this overdraft fee was not due to any negligence caused by any action on my part, but, was due to the negligence by the PenFed Credit Union.

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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
This Information On My Background Report Is Wrong. I Do not want this Sent To The Job Site, XXXX XXXX XXXX XXXX 

The Repost States That I Have A Case Still Pending For Two Misdemeanor Charges Pending A Court Date. That is Incorrect. 

The case referred to on XX/XX/2022, were Citations and the case was settled on XX/XX/2022. 

I do not want this information sent to the employer until it is corrected. 

I have documents proving my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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 received a copy of my credit reports, I have never done business with this company. I have called several times. They have incorrect information concerning my identity. I asked if they could send me evidence of this opened account and I have not received anything and it has been over 30 days for the credit bureaus investigation. 
XXXX Account 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 non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
Hi, XXXX XXXX XXXX XXXX XXXX is still taking out money for this debt they have on their end. As such the most recent payment came out of my account on XX/XX/XXXX for the amount of {$31.00}, but I had been paying on this debt since XX/XX/XXXX, as such I am still paying on this, so I am unsure as to why they sent this to debt collection. As such XXXX XXXX XXXX XXXX XXXX has now sent this to debt collection at " Credit Collection Services '' all the while why they know they are still taking payments out of my bank checking account on this, so this is an unfair practice. In addition they sent me a bill for the double the original amount owed and now say, I owe double the original amount for the same account # .They ( XXXX  XXXX XXXX XXXX XXXX XXXX are re-billing me and double charging me for the same services I already paid for on the same account and not giving me credit for the {$150.00}, I already paid. As such, ( XXXX XXXX XXXX XXXX XXXX XXXX has now sent this account that I am still paying for to a collection agency called Credit Collection Services XXXX And then they have me established on a second payment plan to begin taking out money for the same account, without closing the first payment plan, with different payment methods. Therefore I filed a grievance with XXXX XXXX and XXXX, and I am waiting to hear back from both of these agencies. I do not owe them double. This must be a software billing scam and or an unfair billing practice. 

Reference : MyDocBill Billing Support Team! My request has been assigned to a specialist with case tracking ID. '' Reference my XXXX complaint case number ( case number is XXXX ) Thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This is an ongoing case on unauthorized credit inquiries, i notified all parties and i sent a complaint to you guys before about the same thing, I didnt authorize the now 4 inquiries, what did you guys do? Its been over 30 days, some over 60 Days some OVER 90 DAYS and I still haven't got my issues resolved and soon I'm going to court with this because im not getting any assistance with you and XXXX and this is effecting my opportunities to move forward in life. These inquiries should removed from my report as soon as possible and my any points i lost should be repaired especially due to the negligence. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXXL ( Bank ) XX/XX/XXXX 2021

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 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit card had 2 unauthorized charges and they are huge. 
It happens when I am waiting a new credit card. 
I suspect that someone paid post officer to steal credit card mail, use it to purchase luxury goods and sell it for cash. 
The reference number ( bank of America ) for the charges are XXXX and XXXX. 
I already called the bank to solve it, want to make sure here again.

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 2022-03-12 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XXXX I received a text from synchrony/old navy about fraud on my account. The problem that I have with synchrony / old navy is they are reporting the fraud as a debt and this will bring down my credit score if not corrected

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 2022-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: SC

Complaint narrative:
I opened my credit report and noticed that Penn Credit Corporation is attempting to collect a debt that I do now owe. My balance with XXXX XXXX XXXX has been situated since 2018. I have not lived in Connecticut since and the information they are reporting on my credit report is completely in accurate. I have attached a screenshot of my XXXX account as of today and it is reporting a zero balance, I also attached a copy of the letter that I sent Penn Credit Corporation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: MD

Complaint narrative:
I am becoming extremely frustrated with the companies in question in this complaint. I have sent them a multitude of complaints on the alleged accounts and have failed to receive the proper responses on any of them. I am attaching all documents necessary to have these accounts listed on my credit report removed and I would like that to be done so immediately. These accounts are causing harm to my ability to sustain proper employment and housing. Please remove immediately

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 2022-03-12 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: UPGRADE, INC.
State: TX

Complaint narrative:
In XXXX of XXXX i noticed transactions being charged to my Upgrade credit card account from XXXX, although i do have an XXXX the transactions did not come from my account. I reached out to XXXX and because charges were not made in my account they could not return anything. Contacted Upgrade billing/fraud dept, provided them with proof of purchases not coming from my account and even ask them to reach out if they needed me to colaborare with any additional information ( which they never did ). I did get a provisional credit back in XX/XX/XXXX but today receiven an email notification saying theve decided to decline my cliam and charge everything back. The transactions were the following : XX/XX/XXXX XXXX XXXX$46.00}, XX/XX/XXXX AXXXX {$41.00}, XX/XX/XXXX XXXXXXXX {$100.00}, XX/XX/XXXX XXXX {$32.00}, XX/XX/XXXX XXXX  {$35.00} and XX/XX/XXXX XXXX {$5.00}. There were a lot more transactions but were thankfully blocked by them as they were identified as fraud. I have my XXXX transaction history, i can contact XXXX again, anything you guys need or the upgrade credit card needs i Can definately cooperate to proof it was certaily not me making this purchases. 

Ps. Included screenshots of contact hostory, they inky reachout once on XX/XX/XXXX, then i replied immediately to their email on XX/XX/XXXX ( twice ), because no response was received i reach out again on XX/XX/XXXX by email again ( had tried by phone twice but could not get through for some reason ) and finally got reaponse from them on XX/XX/XXXX sayin still working on my case. Then XX/XX/XXXX from XXXX ( a diferent fraud specialist from the original ) a notification the claim was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: OH

Complaint narrative:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.

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 2022-03-12 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: NE

Complaint narrative:
I have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-03-12 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: NE

Complaint narrative:
I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: TN

Complaint narrative:
This is very time sensitive. I have a closing scheduled to sell my current residence XX/XX/22 However to close I need my Partial Claim Payoff Statement. I spoke to HUD & they claim in order for me to receive my Partial Claim Payoff Statement I need to have my mortgage company Midland Request A Claim. Once Midland has requested a claim then HUD will issue me my Payoff Statement. Ive called Midland several times and they are refusing to help me. They just keep directing me to HUD, yet HUD keeps explaining this as a two step process that first starts with Midland Requesting A Claim. Please help me solve this is ASAP

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