vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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 a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and Transunion are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  XXXX  nor Transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX/XXXX  XXXX XXXX Account # XXXX Amount {$7100.00} XXXX  Account # XXXX Amount {$230.00} XXXX XXXX XXXX  XXXX Account # XXXX Amount {$590.00} Inquiries : 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 2020-06-18 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: CA

Complaint narrative:
Filed a dispute with Transunion on XX/XX/2020 for incorrect balances on my credit cards. They still had old information from XXXX. They completed my dispute on XX/XX/2020 and did not correct two of my accounts. On two of my credit cards they stated no change. They put back the old XXXX balances. I filed a second dispute on XX/XX/2020 and they are telling me I have to wait until XX/XX/2020 for them to complete my dispute. This is not acceptable. I spoke to three Supervisors on the telephone requesting assistance. I have gotten no resolution. I contact my credit card companies in XXXX to request they update my information. On XX/XX/XXXX my credit balances were correct XXXX   balances. On XX/XX/XXXX after my first dispute was done my old XXXX balances were back on two of my credit cards. In XX/XX/2020 I paid in full all twenty of my CC leaving XXXX  balances. My credit score fell 35 points due to Transunion reporting incorrect balance on my XXXX CC {$3000.00} reported on XX/XX/2020 and XXXX CC {$1300.00} XX/XX/2020. I tried to attach documents on their website and was not able to. I spoke to a Supervisor on XX/XX/XXXX promised to call my two CC companies and call me back. As of today I have not heard back from that Supervisor. I want to refinance my home and take advantage of the low interest rates and I tried to boost my credit score by paying off all my debts in full. Due to Transunion incorrect reporting my score fell by 35 points. Now I have to hold off on refinancing due to Transunion inaccuracies.

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 2020-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
My complaint is against Santander Consumer USA, I have bought car in XX/XX/XXXX at {$15000.00}, I have been paying car note for & 7 years and my balance have only went down to $ XXXXMy contract date to be paid off is XX/XX/XXXX.I believe at this point the balance I owe is fraudulent and this situation needs to be resolved.Also the copy of my payment history you gave me starts on XXXX when payments actually started in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX I have contacted TD Auto Finance regarding extended hardship program due to Covid 19 and I was granted 2 months of extended payments for the month of XXXX andXX/XX/XXXX. On, XX/XX/2020 I've contacted TD Auto Finance spoken with an agent and explained that I am still experiencing hardship and I am requesting more time to make payments. The agent granted and approved 2 additional more months payment extension due to hardship for the months of XXXX and XXXX. I had specifically asked the representative was I approved and she replied " yes ''! Representative informed me the next payment will be due in XX/XX/XXXX. However, in the first week of XX/XX/XXXX I began to received phone calls from TD Auto Finance stating my payments are late and have been assessed late charges. After several attempts of calling TD Finance and spoken with an agents I was informed the agent that granted me the two additional extension for the month of XXXX and XXXX was done in an error. According to the agents, the company are only allowed to grant only 3 months extension in total. On XX/XX/2020 I have spoken with a supervisor ( XXXX ) at TD Auto Finance, she informed me that the company only grants 3 months for hardship and it was created in an error. Supervisor stated she was able to approved hardship extension for XXXX and XXXX payment must be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been trying for weeks to lower the credit limit on my HELOC. I want to lower it to {$42000.00}, as I have been trying to refinance my first loan, and lowering my credit limit is a requirement for a subordination agreement by my HELOC lender US Bank. 

Weeks ago I called and was told a form would be emailed to me in a few days. Nothing ever arrived. 

The next time I called I was told it would be lowered internally in 3 days. I waited weeks, but nothing ever happened. 

I then went to my branch and was told I had to call US Bank to get help lowering my credit limit, they could not help me at the branch. 

Recently, I was told again that it would be lowered internally if I waited a week. I waited more than a week, nothing has happened. 

I have been trying for over a month to get my credit limit lowered. It should not take weeks and weeks to lower a credit limit on this credit line.

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 2020-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
SO THIS IS A GREAT XXXX, THE ISSUE IS I NEVER KNEW ABOUT THIS DEBT WAS SENT NO INFORMATION JSUT SHOWED UP ON MY CREDIT REPORT, I AM ASKING THAT THIS BILL BE SENT TO THE VETERANS AFFAIRS OFFICE AS I AM A VETERAN AND THE COVER ALL PRIVATE MEDICAL BILLS. THAT THEY REMOVE THIS AND ALL LATE REMARKS FROM MY CREDIT REPORT, AS THEY REPORT EACH MONTH I AM LATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax did not provide access to their services online at myequifax.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc wont let me connect my account so I can convert my bitcoin

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX and XXXX  should not be reporting a collection/chargeoff in the amount of {$3600.00} on the XXXX XXXX XXXX - partial account number XXXX ; and {$420.00} partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts were incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctors to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. ) I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I have been trying to resolve this debt collection for about a year now. Finally someone picked up the phone today and I let them know that I wanted to settle my account but they said they had to transfer me. As soon as they transferred me, the next person gave me a number to call that is disconnected. There are many things I would like to do that I cant because of this being on my credit but they arent giving me a way to settle it or make a payment. I tried calling back the original number and now no one will answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: LA

Complaint narrative:
To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXXXXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX {$2100.00} not mine XXXX {$24.00} not mine XXXX XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$4700.00} not mine XXXX XXXX XXXX XXXX {$450.00} not mine XXXX XXXX XXXX XXXX {$300.00} not mine How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and XXXX   are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian Equifax nor Transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$7100.00} XXXX XXXXXXXX  # XXXX Amount {$230.00} XXXX XXXX XXXX  XXXX Account # XXXX Amount {$590.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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:
I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and XXXX are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A  debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$7100.00} XXXX  Account # XXXX Amount {$230.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$590.00} Inquiries : 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 2020-06-18 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: LA

Complaint narrative:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX never late XXXX   XXXX never late XXXX  XXXX not mine XXXX 08 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$300.00} not mine 08 XXXX XXXX XXXXXXXX XXXX XXXX   XXXX {$450.00} not mine 10 XXXX XXXX XXXX XXXX {$0.00} not mine 12 XXXX XXXX XXXX XXXX {$4700.00} not mine 12 XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX XXXX {$1500.00} not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can not link my XXXX credit card to my PNC account for auto-pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and Transunion are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX   XXXX  nor transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint.

Department Of Education/XXXX XXXX Account # XXXX Amount {$22000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$4900.00} 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 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 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 2020-06-18 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I was the co signer on a Honda lease that was opened in XX/XX/XXXX. My credit report states that there were 2 late payments back to back XXXX of XXXX and XXXX of XXXX when they were not late. The primary individual on the account does not have any late payments on their credit report for this account, but I do. We have contacted Honda for them to take a look and remove the 2 late payments from me credit report and were told they submitted the information needed to do so, but almost a year later both bad inquiries are still showing. Every payment for this lease was made on time and my credit report for this loan should show the same ( all green ) as the primary signer.

Company response to consumer: Closed with non-monetary relief