vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX and Transunion are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XXXX XXXX Experian and XXXX are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
I got a bill again that I have paid to collection. 

I had few unpaid bills from XXXX XXXX 's XXXX Hospital.  Address : XXXX XXXX XXXX, XXXX, NJ XXXX. 
The Hospital sent the bill to a collection agency " Wakefield and Associates ''. The bill was {$200.00}. I had made a payment of total {$150.00} ( {$53.00} three times ). So I should have a balance of {$44.00} left. But the collection agency ( wakefield and associates ) paid a total of {$60.00} ( {$20.00} each time ) to the Hospital saying I  have balance {$140.00} left. Their website is also saying that I have a balance of {$140.00}. But that is not right. I have proof of each payment. I should have only {$44.00}. Now the Hospital sent  another bill for {$140.00}. 

I called the " Wakefield and Associates '' agency but they said they closed the account and they have no idea what happened. They asked me to call the Hospital. I called to the XXXX XXXX 's Hospital and the Hospital but the Hospital said, they got only {$60.00} out of {$200.00}. So, I have to talk to the agency to fix the issue. 

Now, I am completely helpless. Both parties denied me to help here. 

Address of the collection Agency : Phone : XXXX XXXX XXXX XXXX XXXX XXXX ( toll free ) XXXX XXXX XXXX XXXX, XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$72.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$72.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.

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 2020-01-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I filed for bankruptcy and it was discharged XX/XX/XXXX. I have received at least two notifications from XXXX XXXX XXXX XXXX the letters include documentation from the original creditor Bank of America. The most recent notice from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I decide to look into why they were sending me this notices. I meet with a bankruptcy attorney and provided him with all of the documentation that was sent from XXXX XXXX XXXX XXXX. The attorney informed me that this is fraudulent because both creditor are documented in my bankruptcy and the date of by bankruptcy is not documented on the letters. He also inform to review any Liens or Claims on my property with the XXXX County Recorder of Deeds. After visiting the XXXX County Recorder of Deeds I discovered there were know additional liens or claims on my property other than my current mortgage company.

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 2020-01-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
My husband and I have a Honda Lease. I filed bankruptcy and reaffirmed the car in XX/XX/XXXX that was discharged in XX/XX/XXXXNo payments have been recorded on my credit report sinceXX/XX/XXXX Upon speaking to Honda about the issue I was told it was from the top corporate decision that post-bankruptcy accounts will not be reported even if it is reaffirmed. Honda refuses to accurately report payments. I have the transaction history available and will provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD bank has double posted hundreds of dollars on my account leaving me with a negative balance. They are saying it is due to a system glitch and there is nothing they can do until it is corrected during overnight processing. I have spoken to reps and supervisors. Supervisors didnt even know who they were regulated by- so sad! Completely unfair and deceptive practices and to think this is happening in 2020! So now I am at their mercy for when I will have access to my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certified Services, Inc.
State: IL

Complaint narrative:
I had seen a XXXX  a while back. After some time I noticed 3 collection accounts on my credit from the one practice. I called them for dates and amounts charged and to see which insurance they had charged as I switched around that time. They would not give any dates, charges specifically, or insurance coverage info. They said to ask the collection agency now. So I contacted agency, and they said to ask the original creditor. I asked again and was told no. I contacted agency again and they said to contact my insurance. After telling them 3 times the insurance agency will clearly not know what dates and charges the XXXX  says I owe, I have gotten no information. No reason for 3 accounts or owing close to {$6000.00} to a XXXX  even with insurance!??????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2020-01-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2020-01-22 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: CA

Complaint narrative:
I pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.

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 2020-01-22 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: CA

Complaint narrative:
I pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.

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 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Pinnacle Financial Group, Inc.
State: NC

Complaint narrative:
I bought my car last year from XXXX XXXX they got me financed thre XXXX XXXX then pinnacle group took over I tried to trade my car in they told I have to car loans showing up on my credit which im only suppose to paying for one I called pinnacle group they were very rude the told me my pay off had changed from what they told me yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The company is in violation of the Truth and Lending Act and other applicable laws and the alleges debt is not valid. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is provisding inaccurate false information that I owe them to all three Credit Bureaus, XXXX XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/2020 I was the victim of a scam, I was buying a boxer puppy from who I thought was a breeder out of North Carolina. We exchanged multiple emails and a contract. I thought it was legitimate. They asked for payment through XXXX, which is available through my PNC Bank app, leading me to believe I would be safe. I transfered {$650.00} to said breeder and within 12 hours realized it was a scam, no puppy, not even a breeder. I immediately called PNC Bank 800 # for customer service, told them it was a scam and I want my money back. I was told they couldn't do anything while the transfer was still pending, I was instructed to wait until it posted and then they could file a dispute. I called back at XXXX the next morning and filed my dispute. I received a letter today saying the transfer was valid and processed correctly. They won't do anything. I am furious that I am supposed to be able to trust my bank and I am getting zero assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: KY

Complaint narrative:
I received notifications regarding my credit report regarding the below items which are not mine and are either a result of fraud or a mistake : With XXXX there is an inquiry from XXXX XXXX on XX/XX/XXXX. This was not me. 

With Equifax there are inquiries from the following which were not me : XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX With XXXX the following inquiries XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX  account and a medical bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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: KY

Complaint narrative:
I received notifications regarding my credit report regarding the below items which are not mine and are either a result of fraud or a mistake : With XXXX  there is an inquiry from XXXX XXXX on XX/XX/XXXX. This was not me. 

With XXXX there are inquiries from the following which were not me : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX With Experain the following inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX account and a medical bill.

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 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have been a credit card customer of Bank of America for approximately 26 years. Due to some financial difficulties that lowered my credit scores about 13 years ago my credit limit was reduced to {$900.00} and never has been raised again naturally by your company over the years that I have been a loyal customer. I have never used all of that credit at any time for such a small credit limit utilization would hurt my credit. I have paid off each monthly statement on time and actually paid ahead creating a credit balance because the limit was so small as to not cause negative impact to my credit. A few months back I requested an increase of {$600.00} in my credit limit and was denied, then as part of my business I added a few authorized users to my account which I was allowed ( I heard I was even allowed 10 ) and as a consequence my credit card was closed by Bank of America without ever contacting me as to whether I had initiated the aforementioned changes to the account. When I questioned why the account was closed I was told I had to apply for a new credit card. I followed through with the application process only to be denied. I have had no derogatory information or late payment with your company. This is negatively impacting my credit scores and average age of accounts and number of accounts. I am planning on a home purchase and was going to you Bank Of America. I feel you do now appreciate out long standing history together. Is this accurate? At the time the account was closed there was a credit balance that has not been returned. I also received customer surveys after the account closure for valued customers like me. I do not feel valued. I have also included Texas Exes terms of conditions attached along with other supporting documents. Also I included my new Bank of America credit card that was seemingly sent after my alleged account closure. How i this possible. I believe the board of directors would be interested in this as would the attorney general of Michigan and supporting government agencies local, state and federal.

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 2020-01-22 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: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
A long was paid of 2 months after Charge-Off in XX/XX/XXXX for loan from Prosper Marketplace. The account was Charged-Off on XX/XX/XXXX. The account was paid in full XXXX. Prosper Marketplace is refusing to provide a Paid in Full letter or update the account as Paid in Full. It has been reporting as delinquent and negative for 5 plus years. I have spoken with Prosper on XX/XX/XXXX and they have confirmed the account is paid in full as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation