vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-01 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: IL

Complaint narrative:
On XX/XX/2020 i disputed an account ( XXXX XXXX ). In the results of Transunion first investigation with Account ( XXXX XXXX ), Transunion stated in writing that they verified that this item ( XXXX XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES ( shown in attachment ) reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that Transunion provide me with competent evidence with an original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.

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 2020-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: CA

Complaint narrative:
due to the COVID-19, I has not been works for couple month already, at last month, carmax was Towed away my car from my apartment parking lot without any advance notice to me, which the car is I am financing with them, because of the 3 month late payments due in the COVID-19 going on, I try to deal with them get my car back first then I can go find other jobs to clearing the money I owned, but they said I need cleared 3 month payments and the late fees plus the repossession fee, then I can go pick up my car if they has nit been saled it. 
I just want to be clear because of COVID-19, does the government have any corresponding provisions for late payment of loans?, Because they dont allow us to work, and now Carmax has taken back my daily action tools. If there is no corresponding clause, I think my company will resume operations because I need to repay my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My bank account at a pnc branch in XXXX pa was closed for supposed failure to proof residence. I took letters from them sent to the address on record and also other proofs and still my account was closed. The same day my paycheck deposit was deposited. Bank said I'd received a check in the mail 5 business days after the day I visited the bank and have not received my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: IL

Complaint narrative:
On XX/XX/2020 I disputed an account ( XXXX XXXX ) In the results of your first investigation, you stated in writing that you verified that this item ( XXXX XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES ( shown in an attachment ) reported on this account how could you have verified it with having so many inconsistencies? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX & Equifax provide me with competent evidence such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Most recently I received a judgement by the XXXX civil court in XX/XX/XXXX following a request to vacate claims against me, under, False and misleading representation and debt, Section 807- a, 4 and 9. For unfair practices Section 808 -1 and Section 809- a and c. I continue to be harassed and violated. On XX/XX/XXXX my bank account was charged citing a legal order I have no knowledge of. In this case again they fail to provide validation of debt or provide me proof of a legal order. XX/XX/XXXX bank was also not provided with proper information about the matter of which this event originated. My account was withdrawn {$5700.00} and XXXX of which was not specified from why. 

I am beginning to notice a pattern with Rubin & Rotham and XXXX XXXX. My encounters with both of these companies date back to XXXX. This is harrassment. 
It became more apparent last year when XXXX XXXX was suing me, for a medical bill and Rubin and Rotham also initiated a claim against me at the same time. This year they are both back, coming after me again. This time in full violation as if I do not get the right to protect myself. On XX/XX/XXXX Rubin and Rotham took XXXX, XXXX dollars from my account plus a separate amount of XXXX for XX/XX/XXXXknows what!!! .. I received no notice. In fact it was brought to my attention after I called my bank regarding another notice I received Rubin and Rothams partner in crime XXXX XXXX on XX/XX/XXXX ; threatening me with a notice to restrain my bank account on a claim I agreed to pay last year and am still paying each month up to this very month ( XXXX ) they are taking XXXX from 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
Consumer complaint received 2020-11-01 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: IL

Complaint narrative:
On XX/XX/2020 I disputed an account ( XXXX Bank ) In the results of your first investigation, you stated in writing that you verified that this item ( XXXX Bank ) is being reported correctly? with SEVERAL INCONSISTENCIES ( shown in an attachment ) reported on this account how could you have verified it with having so many inconsistencies? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that Transunion & XX/XX/XXXX provide me with competent evidence such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.

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 2020-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Most recently I received a judgement by the XXXX civil court in XX/XX/XXXX following a request to vacate claims against me, under, False and misleading representation and debt, Section 807- a, 4 and 9. For unfair practices Section 808 -1 and Section 809- a and c. I continue to be harassed and violated. On XX/XX/XXXX my bank account was charged citing a legal order I have no knowledge of. In this case again they fail to provide validation of debt or provide me proof of a legal order. XXXX bank was also not provided with proper information about the matter of which this event originated. My account was withdrawn {$5700.00} and XXXX of which was not specified from why. 

I am beginning to notice a pattern with XXXX XXXX XXXX and XXXX XXXX. My encounters with both of these companies date back to XXXX. This is harrassment. 
It became more apparent last year when XXXX XXXX was suing me, for a medical bill and XXXX and XXXX also initiated a claim against me at the same time. This year they are both back, coming after me again. This time in full violation as if I do not get the right to protect myself. On XX/XX/XXXX XXXX and XXXX took 5, XXXX dollars from my account plus a separate amount of XXXX for XX/XX/XXXX knows what!!! .. I received no notice. In fact it was brought to my attention after I called my bank regarding another notice I received XXXX and XXXX partner in crime XXXX XXXX on XX/XX/XXXX ; threatening me with a notice to restrain my bank account on a claim I agreed to pay last year and am still paying each month up to this very month ( XXXX ) they are taking XXXX from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XX/XX/XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XX/XX/XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XX/XX/XXXXCARD Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX CARD Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2020-11-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
My HSBC credit card had a fraudulent transaction, thus I closed my HSBC card. When I had my new card issued by HSBC, I paid off the remaining balance. However, my balance has always been very high even though my purchases were all small. When I looked through my online statement, I saw that HSBC sneaked in {$470.00} in balance stating a " transfer '' from my old account ( even though the balance from the old account was paid off at the time of closing ). Not only that, HSBC added a balance instead of a refund for one of the transactions refunded to me by the merchant ( the merchant refunded - {$82.00} but HSBC posted as " + {$82.00} '', to make my balance go higher ). When I called and disputed, it took a month for HSBC to refund me. However, they placed the credit to a closed account instead of transferring the credit to the new account. Then HSBC sent me a statement of TWO credit cards ( one is for the open credit card, and one is for the closed account with fraud ). 
In other words, HSBC intentionally transfer any fraudulent amount to the customer credit balance but dont tranfer any credit/refund. This bank is doing fraud and it needs to stop. 
New credit account : XXXX XXXX XXXX XXXX Closed accounts due to fraud but are still being billed : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I was suppose get an refund for XX/XX/2020 which the agreed without returned to my bank account we back for it was returned I filed complaint cfpb in XX/XX/2020 about the matter and then the company Lexington law company personnel called from blocked number we discussed the matter nothing changed but they have kept billing me for service that they havent down since I canceled there service on or around XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I have made the same number of PSLF eligible payments -- 38 -- on both of my loans. However, on loan sequence 1, FedLoan Servicing indicates that I have made only 28 eligible payments. 10 payments, made between XX/XX/XXXX and XX/XX/XXXX ( inclusive ), are reflected as ineligible payments for loan sequence 1 but eligible for loan sequence 2, even though payments were made for the full amount due on both loans on the same date each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was charged about XXXX dollars in XXXX from XXXX. I was also charged an additional about XXXX dollars from XXXX as well as 2 separate charges billed through XXXX for wish orders roughly XXXX dollars and the other XXXX dollars. I also hard a random XX/XX/XXXX charge for roughly XXXX dollars all in XXXX. More recently I have seen multiple XXXX XXXX purchases and transfers on my account all in the month of XXXX for XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars and XXXX dollars. All of these transactions were never once made on my behalf let alone my account. I did report every single one of the charges and usbankreliacard decided to close my case in only a 14 day time frame without even doing the proper investigation because if they had that done they would of clearly seen that there is absolutely no proof whatsoever that I got any items to my household let alone any proof that I ever made any of the charges on my account. They have been reported as fraudulent charges on identity thief, XXXX and now cfpb. All I want is my money back that is rightfully my money back. I never gave permission or authorized anyone to use my card anywhere in anyway and at any given time. I need my money. And I need my money back now. I was supposed to get a provisional credit within 10 business days but I never even got that. I need help. And I need help now.

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 2020-11-01 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: PA

Complaint narrative:
These companies keep reporting innicorate information. They always say I dont send id documents i have attached them to this pdf file.

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 2020-11-01 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:
These companies keep reporting innicorate information. They always say I dont send id documents i have attached them to this pdf file.

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 2020-11-01 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:
These companies keep reporting innicorate information. They always say I dont send id documents i have attached them to this pdf file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: SC

Complaint narrative:
Sent dispute letter to experian on XX/XX/XXXX with copy of dL and ss card disputing fraudulent charges done by identify theft and haven received anything back

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 2020-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates LLC, entered into written Settlement agreement, these XXXX XXXX stated in their letter that they would remove their TradeLine OFF my Credit Report, but rather these XXXX are still showing their TradeLine on my XXXX Credit report in an effort to Suppress my Credit Report as a XXXX Consumer. Portfolio Recovery Associates LLC are collaborating with XXXX XXXX and XXXX with efforts of Suppressing my Credit Report. CFPB, if you would read attached letter from these criminals Portfolio Recovery Associates LLC whereby they would XXXX Purge their little XXXX TradeLine Off my Credit Report, its still there!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: Conn's, Inc.
State: GA

Complaint narrative:
XXXX account XXXX furniture company Conns company Are ID Theft and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: KEYCORP
State: NJ

Complaint narrative:
I was in a re-age program for 3 mos, paid per terms of agreement and then went back to normal payments per said agreement. Company is reporting me ( shows on my monthly statement ) that i am in a loss mitigaton program which i am not nor have i ever been as a reage program is not loss mitigation. I have contacted XXXX XXXX via voicemail ( she was my point of contact during this ) no less than 15 times and have not rec 'd a response nor do i see the verbiage off my monthly statement. I have written a letter to both the office of chairman, XXXX XXXX and XXXX XXXX all without response, written or phone call. 

I want this reported current and accurate to the credit repositorites and i want the verbiage that i am in loss mit off my monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
CIC Credit reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XX/XX/XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XX/XX/XXXX have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XX/XX/XXXXreport. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contactedXX/XX/XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XX/XX/XXXX have done that XXXX different times, and nothing happened, and the unauthorized inquiries still remains on my XX/XX/XXXX report. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.

Company response to consumer: Closed with explanation