vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I closed my checking account with PenFed Credit Union & moved approximately $ 17k from savings to another institution as I wasn't happy with the fees I was being charged to use supposed free ATMs not to mention other issues. Since then, it seems I've been having issues with deposits showing as available as there is nothing to indicate they aren't, but when a withdrawal comes through it doesn't clear and I'm subsequently charged these fees. Additionally, in the past if funds were not available they simply did not allow the withdrawal to go through. Not to mention, that if I'm transferring money from another credit union for a loan payment, lo and behold that money is immediately credited. The problem I have is that when I've transferred money and look to ensure it's available it shows that it is but when the IRS for example tried to deduct payment from that account it was allowed to go through then reversed. I was then charged an overdraft/insufficient funds fee. I've never seen a " reversal '' the entire time I had my savings account which was a couple years if not longer. More recently, I transferred money between credit unions and the same thing occurred. The money showed available but when I initiated a payment I was charged a massive fee which took the bulk of what I'd deposited. I'm more than aware of what my accounts look like when a deposit is on hold or available & as I said, I'd never had an issue until I moved my savings and closed my checking. I'd contacted their leadership ( XX/XX/21 ) regarding the incident with the IRS because I was required to a fee of {$220.00} or so to reinstate my payment plan. It would have cost me a fraction of that if the IRS could deduct my payments directly but I couldn't trust that PenFed would allow the payments to go through. So I'm tasked with extra burden of mailing these payments or incurring extra fees to pay online. PenFed claimed after months of no response that they'd been unable to reach me although my contact info was current and updated. I should also mention that " coincidentally '' I'm having some difficulty receiving the title or having the title of the vehicle I'd financed with Penfed sent to the new lienholder. Lastly, I'm in the process of paying off a small loan to close this account since I have already refinanced my car loan with another credit union. However, I wanted to make my dissatisfaction taken seriously which is why I am filing this complaint with the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: CA

Complaint narrative:
Equifax XXXX XXXX still reporting a past due balance on my credit report. It is against violations to continue to report a past due balance on a charge-off debt. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I've asked for this account to be validated several times this year by providing the original signed contract. In my most recent complaint filed with the BBB on XXXX, the company responded with a copy of an electric bill that has a name & address that doesn't match mine, which is not proper validation that this is my account. The original creditor ( XXXX XXXX XXXX # XXXX ) accuses me of owing {$960.00} but Transworld System INC sent me a bill saying I owe {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This complaint is a follow up on a complaint. Unfortunately when I complained about not getting my points I put the wrong amount in the complaint. Ethically Capital One should have awarded the correct amount per the terms of the contract anyway, so this is very misleading on their part again. I stated on my last complaint I should have received XXXX for spending {$3000.00} in 90 days when the correct amount should have been XXXX. I tried to once again settle this matter over the phone with Capital One to get my extra XXXX and they have ignored the request to fix the issue. I was told basically the same lingo as last time and that a XXXX would review it and award the extra XXXX in about 5 days. No such luck which is why I am writing this. Attached is screen print of the different award options Capital One offers. My XXXX card is the XXXX level when {$3000.00} is spent in 90 days. They know that so I'm not sure why they are wasting everyone 's time and not awarding the correct points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with XXXX directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue XXXX. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: MI

Complaint narrative:
I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with XXXX directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue XXXX. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with XXXX directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue XXXX. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX  that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting incorrectly on my credit report. It reporting as derogatory information. I have never had a loan with this company, the account is showing I have a missed payment with them and that's not correct. I have attached the receipt. I need XXXX and XXXX you to fix this account asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: GA

Complaint narrative:
I have been contacting Equifax for over three years. I have sent these ppl.Follow suits letters in which the other two bureaus have removed and cleared old debt. I was told by a Equifax rep that my file has been merged. I pay for a credit monitoring and it shows I have no account with Equifax. For the past 4 months my Equifax score on XXXX XXXX is the same the reps at Equifax is always lying this has impacted me in so many ways at this point I am stuck with finding a job and my future housing. I have sent over several police reports, have ask for letters for debt validation and still no response it seems it is a scam in which they want you to buy there products in which it is useful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
MY HOME INSURANE DOUBLE EVERY YEAR, MAKING IT IMPOSIBLE FOR ME TO PAY MY MONTHLY MORTGAGE PAYMENT, IT IS SIX/SEVEN TIMES HIGHER THAN THE MORTGAGE PAYMENTS. IT IS ADVERTISE THAT THE MORTGAGE RATE IS SO LOW EVEN 1.5 %, 1.75 %, I AM PAYING 2 %. AUTHORITY NEEDS TO CONTROL THE HOME INSURANCE DEPATMENT AND STOP ADVERTISING THOSE LOW MORTGAGE INTEREST RATES, INDUCING PEOPLE TO BUY THEIR HOUSES WITHOUT TELLING THEM HOW HIGH HOME INSURANCE ARE. IT IS NOT FAIR MAKING PEOPLE TO GET INVOLVED IN BUYING A HOUSE KNOWING THAT THEY WON'T BE ABLE TO BECOME HOME OWNER TO GET THEIR AMERICAN DREAM, LIKE MYSELF, I HAVE BEEN PAYING MY MORTGAGE FOR 34 YEARS. AS A SINGLE MOTHER I HAVE WORKED VERY, VERY HARD TO RAISE MY CHILDREN WITHOUT ANY HELP FROM NOWHERE, NOW I AM A SENIOR CITIZEN SCARE OF LOSING MY HOME, IT IS NO FAIR. JUST THE IDEA OF BECOMING HOMELESS OR LIVING IN A SENIOR CITIZEN PLACE TERRIFIES ME. PLEASE HELP ME TO KEEP MY HOME, HELP ME BUYING MY HOME INSURANCE WHICH EXPIRES XX/XX/XXXX, XXXXOR MAYBE YOU HAVE A PROGRAM OR RESOURCES TO HELP ME TO PAY OFF MY MORTGAGE SO I CAN REACH MY AMERICAN DREAM. 
THANK YOU VERY MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Hello, I recently tried to do a refinance on my home and was told I owe XXXX, XXXX and XXXX to XXXX  XXXX my payoff was XXXX. I purchased this home in XXXX of XXXX and I've never once taken any loans. I did a modification in XXXX where Hud applied XXXX to my principal bringing it down to XXXX plus I've made monthly payments. As it stands today I owe XXXX. I've reached out to USBank many times regarding this and no one seems to know what I'm saying only that I still owe this amount. I have since pulled my own documents to look into this matter. Only to find a lot of payments going up after once going down and there's no explanation for it. I keep telling them it makes no since that Id still owe XXXX on a home purchased XXXX ago at XXXX when Hud has paid XXXX toward it in XXXX. I'm just very frustrated and don't know how to get it throw to them there is something wrong. Somewhere down then line someone made a mistake and now it's costing me the customer. At this point XXXX cant refinance due to all the confusion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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 have mailed my FTC report with my police report and all of my personal documents to Experian over 3 times. The account has failed to be removed from my credit report. Their isnt even account number for this account and i know that has to be a violation because how is it even verified in the first place. On XX/XX/2014 for a {$1000.00} this account was fraudulently open. This negative account should not be on my report its effecting my life and hurting me from getting my family a home. I have read up on the FCRA and according to the law this account must be blocked in remove in 4 days. I have included a FTC report and a Identity theft affidavit with a copy of my license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting incorrectly on my credit report. It reporting as derogatory information. I have never had a loan with this company, the account is showing I have a missed payment with them and that's not correct. I have attached the receipt. I need XXXX and TransUnion you to fix this account asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief