vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
ON XX/XX/XXXX I submitted a request to rent a car using my credit card through a company called XXXX which would use XXXX to have my car ready at XXXX XXXX XXXX in Florida on XX/XX/XXXX. 

Due to a delayed flight, i immediately filed a contacted rental car company which instructed me to contact XXXX, I did promptly, XXXX said they can reassign my rental car but I'd have to talk to the company used to have them release it. XXXX XXXX did and said they'd be able to process a new rental with the roll over credit. Due to the flight delay, I had to change airports from XXXX XXXX to XXXX which XXXX allowed. 

Upon completing the rental and returning to my residence, I noticed I was charged twice from XXXX  I called XXXX about or around XX/XX/XXXX and they indicated XXXX & XXXX XXXX no refunds... despite them saying it otherwise on the call. I'd not have gone through the process if they would have told me. I filed a dispute with my credit card company USAA and attached the following information. 

ReRE : Dispute Case # XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Attached is an update from the previous update : XX/XX/XXXX - XXXX did indeed reference their terms and conditions, but at the same time offered to swap the rental. Because I was unable to pick it up in XXXX XXXX, they cancelled and changed the reservation. This was XXXX, not XXXX. The fact they are now attempting to assert the XXXX & XXXX are binding is irrelevant as they themselves waived the terms on a phone call on XX/XX/XXXX. XXXX has denied my request for the recorded call to confirm the waiver. I am asking you to reopen this investigation and charge back the amount for these conditions. I am happy to provide a phone log from my XXXX where you will see I spoke to XXXX, XXXX, then XXXX  again. 

XX/XX/XXXX - Rental Car submitted for pickup on XX/XX/XXXX. 
- Due to cancelled flight originating on XX/XX/XXXX was unable to pickup car and thus called XXXX who said Id have to contact XXXX ( the supplier ). XXXX changed the rental through their systems but then XXXX cancelled the original order and changed it to reflect new pickup date. 
- They stated that there was no additional charge as I hadnt ever picked up the car in the first place. 
I I did pick up the car from XXXX XXXX and then realized I was charged for the first car despite being told it was a simple transfer ( and the car was never picked up and XXXX was notified of the change prior to pick up time. ) - USAA denied stating autoeurope attached their XXXX & XXXX and USAA won't go against their conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: Kikoff Inc.
State: MI

Complaint narrative:
I have a Credit Monitoring account with XXXX*. In XXXX XXXXXXXX timeframe... I rec 'd a notification of many inquiries/accounts being opened in my name ( with my social security number ) that I did NOT authorize. I immediately asked the credit monitoring service to assist by requesting them to have a *freeze* put on my credit thru all 3 credit bureaus. 

I then opened an account with XXXX ( Federal Trade Commission ) regarding all the accounts opened as part of an obvious IDENTIFY THEFT. And then, followed all the recommendation by the FTC to send dispute letters to the creditors/lenders. I additionally contacted the fraudulent lenders by phone/email ... explaining my situation and asking for accounts to be closed. All that effort seemed to work except ONE ... KIKOFF LENDING. I have repeatedly ( XXXX XXXXXXXX ) tried to get KIKOFF LENDING to understand the Identify Theft... to no avail. 

I then created accounts with XXXX and XXXX ( not XXXX ... as I get a free XXXX credit report via my XXXX account... and it looks fine ). The XXXX and XXXX credit reports, however, show KIKOFF LENDING and a *closed / UNPAID* account. I, thus, filed disputes with XXXX and XXXX and the results of those disputes were unsatisfactory. They said... they verified- with XXXX - that the account was valid and belonged to me. IT DOES NOT belong to me and is not valid. 

Kikoff Lending , LLC - XXXX XXXX XXXX XXXX - XXXX XXXX, CA XXXX - ( XXXX ) XXXX Again ... not my account... this is a result of FRAUD / ID THEFT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TN

Complaint narrative:
on XX/XX/22 XXXX XXXX XXXX contacted me about refinancing my home. They asked if they could do a credit inquiry and I objected to a " hard inquiry '' and they assured me they could and would do it as a soft inquiry instead, so I agreed to that. Please ask them for proof that I agreed to the hard inquiry rather than the soft, they don't have it because I refused the hard inquiry. 

XXXX confirmation # 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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SF VAGO, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act State Farm Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I t also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: FL

Complaint narrative:
reported to XXXX transunion and XXXX credit that i was credit hacked and that the bankruptcys and XXXX XXXX and XXXX  and several other companys were not mine and i have reported this to the police so i am asking for this department to help me in this matter i sent a fcra demand notice to all companys that states they have 4 business days to remove and or block

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 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation
State: NC

Complaint narrative:
I submitted a claim previously which was closed. the claim number is XXXX In the claim the Receivables Mgmt states " The balance is still outstanding at the hospital '' However, they report on my credit report to XXXX and XXXX that the balance has " been paid in full '' I have submitted screenshots of my credit report from both bureaus. 

I did not sign up for credit account with them. I have sent them validation letters to which they have ignored. And then they are reporting contradictory and false information. If I have a balance and my insurance didnt pay. Why are they reporting to XXXX and XXXX that the balance was paid? 

On page 4 of the document I submitted, which is my XXXX Credit report you can see where they are reporting that the balance is " - " and it states " Legally Paid in full... '', and also " Paid off : 100 % ''. On Page 3 of the second document, its states that the balance is " 0 Paid off 100 % ''. 

This is contradictory to what they are saying in my previous claim. If they claim i have a balance why are they reporting to the credit bureaus that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these changes. I demand that the items be deleted as soon as possible, to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these changes. I demand that the items be deleted as soon as possible, to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

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 2022-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I was given a forbearance during Covid. This is my second mortgage, an equity line, and my primary mortgage has a balance literally five times as large, but that lender gave me an 18 month forbearance, an automatic deferral of the past due including property taxes and insurance. 

With PNC, I thought that the forbearance was for 6 months. I paid something every single month except the first month and gradually worked my way back to full payments. I did not receive notices that anything was wrong. I applied for a modification FOUR TIMES, each time doing all the paperwork and endlessly supplying documents. I would be told my application was complete and then receive a request for more information. As I am a XXXX mom  going through a divorce and working many jobs and trying to survive the pandemic, I would never be able to meet the very short deadline they would give me and I would have to start all over. I called and wrote to them many times BEGGING for help with the application since my applications were always being rejected. 

I finally gave up on the modification and asked for just a deferral of the past due. They said I had to start over the application process. I was afraid to start it again and started paying as much as I could each month, more than the minimum payment. They reported me as having 15 late payments, even though I had never missed a payment, I had just not paid the full amount during the forbearance and the period I thought the forbearance was continuing. They heaped XXXX XXXX DOLLARS of late charges on my bill and this increased the cycle, making it impossible for me to EVER catch up or ever stop being reported as late. 

I filed a complaint and was contacted by the corporate office who told me they could do nothing for me and had done nothing wrong. I asked for help with the deferral application since XXXX previous attempts did not work, and they told me no one could help me. 

I started working XXXX XXXX XXXX  to try to make more money to pay this bill and to be able to feed and house my kids. I am a XXXX XXXX  going through a divorce and this has made my life impossible. My credit score has plunged, all because of what PNC is doing, making it impossible for me to refinance my loan with some other bank. 

PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: AL

Complaint narrative:
I reviewed my credit report and based on what I read on the FCRA. Negative information has to be deleted 7 years from the anniversary date of the error or seven years from the first date of delinquency. Well when I combed my credit report I noticed some old negative information that has not be deleted based on the law as It relates to the seven year deletion date. I need this information deleted immediately and here is the incorrect information : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
An account was placed in collections by Lockhart, Morris, & Montgomery of XXXX, XXXX  on my XXXX credit report on XX/XX/2022 in the total amount of {$7000.00}. I never received any type of documentation or communication in regards to this matter. I have attempted to reach out to the company in regards to the legitimacy of this debt, but I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
XX/XX/XXXX, I ( XXXX XXXX XXXX, called Stenger & Stenger to set up a settlement offer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$2800.00}. After back and forth negotiations, I thought we had agreed to a {$2800.00} settlement and me making payments of {$200.00} a month, to find out later that Stenger & Stenger had lied just to get account information and to receive payments. I specifically asked Stenger & Stenger to send me a written statement of our agreement. Well, 2 payments later in the amount of {$400.00}, I still have not received a letter stating our settlement offer. Instead, I received a letter stating an amount of XXXX and not the settlement offer of {$2800.00}. I am requesting that the above account be dismissed because several of my FCRA rights were violated. As of XX/XX/XXXX at XXXX p.m. I reached out to Stenger & Stenger again to try and resolve the problem again. I was told this time that they would settle for {$2800.00}, which was more than what was initially agreed upon. {$2800.00} plus the XXXX I have already paid is {$3200.00}, which is still not accurate. I was told this information by XXXX XXXX XXXX XXXX ) XXXX. Throughout this entire process, I have been sent papers, such as legal forms when they were not ; they have threatened to seize or garnish my wages, in which I am unemployed at the moment; and actions such as a lawsuit taken against me and it has in the XXXX XXXX XXXX XXXX XXXX XXXX Stenger & Stenger also had the Sheriff 's Department XXXX XXXX XXXX running back and forth to my residence concerning the civil lawsuit against me. Why not put it in the mail? 
All of the above violations have occurred against me, even though I tried on numerous accounts to resolve this account. So, I am requesting this debt be canceled and dismissed due to hardship issues as well as violating my FCRA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I opened an account online with Bank of America on XX/XX/XXXX. I opened both a checking and a savings. I was approved, and from there I was granted access to online banking, where I created my user id and password. I deposited money from my current bank account ( with a credit union ) -doing two separate transactions- to my new checking AND savings accounts with Bank of America XXXX My debit card arrived on Saturday XX/XX/XXXX. I called to activate it and it kept telling me that the card info could not be found in their system. I tried to log on to my banking, and it kept saying " user id/login invalid. '' Finally today, XX/XX/XXXX, I was able to reach a live rep. I spoke with many different people. I kept getting transferred and put on hold and hung up on. They told me that my account was closed on XX/XX/XXXX, which is the day I opened it. They said that it was flagged for potential fraud but they would not give me any details. The last woman I spoke with ended up telling me that I was the reason it was flagged for fraud, that my identity could not be verified. Despite them taking my money from my other bank account ( in TWO transactions ). They also kept telling me that I only made one deposit for XXXX dollars. This is false. I made two separate deposits. I kept telling them that I have the transaction numbers from my bank to verify this. They then told me that I would need to reapply for an account and I would need to do it in person. The problem with this is that the branch by my house has absolutely nobody working there. they are a fully operational bank set up with no staff. They only have the ATM machine and drive thru open. In order for me to speak with someone face to face I have to schedule an appointment and the nearest staffed branch is not near where I live. After over two hours on the phone they finally told me that two separate cashiers checks are being mailed to me and I should see them within 7-10 days. I asked them for the reference/check numbers for these and they told me they could not provide me with any of that info.

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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, has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U. S. C Section 604 A section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U. S. C Section 604 A section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland funding has mixed accounts with other social security numbers and ruining our credit reports. Attached you will find screenshots of what these people did on a family members report including my name and social security number along with another social security number Please have these people not harass me or my family XXXX XXXX and XXXX keep posting information that is not accurate on all 3 bureaus one says no collections and another these thugs from midland funding

Company response to consumer: Closed with non-monetary relief