vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I know that the cfpb is well aware of portfolio continued illegal debt collection practices and consumer reporting violations. Well they are still at it. 

I pulled a copy of my credit report because I am planning to purchase a home and notice Portfolio reporting multiple times with different account numbers on my credit report I wrote to them and this is what I requested " I requested verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt '' All they sent me was the same documents I asked them not to send me, billing statements that anyone can create themselves, the billing statements of the companies they sent I do not recognize none of the documents they sent have my signature and the letter they sent with the fake billing statements said that they should not be collecting on the debt because it pass the statue of limitations. Yet when I pull a recent copy of my credit report I still see them there. Having the debt report on my credit report is a form of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I dont recognize this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I authorized a deposit for moving expenses to a company named XXXX XXXX based in XXXX, centered around an interstate move from XXXX XXXX to XXXX. The deposit was {$1600.00} for a BINDING price of {$4400.00} to pack and move my residence, to move my motorcycle, and to load and move an already packed residence of my girlfriend. 

On XX/XX/XXXX, I was informed that XXXX XXXX was just a Broker and not the actual moving company. The company that would actually be handling my move was a XXXX XXXX XXXX XXXX based in New Jersey. 

They arrived at my residence and told me that it would be in excess of {$8000.00} to pack my items and move them to Florida. I informed XXXX XXXX XXXX that I had a BINDING agreement with XXXX XXXX and that it was {$4400.00}. 

XXXX  XXXX XXXX loaded the truck as I had an apartment lease and needed to have the items removed from the property. They brought them to storage in XXXX XXXX. I disputed the charge with Discover due to Fraud, deceptive practices, extortion etc. and won the dispute. I filed a report with the USDOT and the FCMSA. XXXX XXXX XXXX as a result of losing the dispute has informed me they are going to auction off my items as a result. Litigation has been threatened against XXXX XXXX XXXX and XXXX XXXX if this occurs. My attorney is XXXX XXXX in XXXX. 

The fraud the commenced was a moving scam initiated by the Broker, XXXX XXXX. They get your business by coming in with a low price. Then when the actual moving company is on site, they can charge you whatever they want. XXXX  XXXX XXXX even had the audacity to show up with a XXXX XXXX XXXX  rental truck, which only has a capacity of XXXX cubic feet, and charge me for XXXX cubic feet. This fraud has been reported to Discover and law enforcement authorities and criminal charges are pending. 

As XXXX XXXX was a party to this criminal fraud, I do not believe they should be allowed to collect on this {$1600.00} deposit. Further, as the job was not completed as one residence was not packed, the motorcycle was not packed, my items are stranded currently in a storage unit in XXXX XXXX, and they are being threatened to be auctioned off ; in no way, shape or form has the job been completed as described and it is very likely criminal in several aspects. As such, I do not believe XXXX XXXX should be allowed to charge me {$1600.00}. I ask the Consumer Protection Financial Bureau to mandate Discover to complete a more thorough, fair, and proper investigation, for the CFPB to inform them that when criminal fraud is perpetrated in conjunction to a credit card transaction, that it invalidates the charge. I thank you for your time and attention in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding a late payment that was reported on my account. I have not received a response as of yet. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately update this item from my credit report. Its been over 30 days and I have not received an updated status. I demand this account be updated immediately, or I will file for litigation due to the stress you have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD/BANK USA/ TARGET CREDIT ON XX/XX/2019 THERE WAS A 30 LATE ADDED TO MY ACCOUNT AND NOW THE LAST TWO YEARS IT IS NOW SHOWING 60 DAYS LATE. HOW CAN AN ACCOUNT BE 30 DAY IN ONE YEAR THEN CHANGE TWO YEARS LATER. I HAVE CONTACTED THE COMPANY AND THEY KEEP SAYING THE 30 DAYS IS CORRECT BUT IT IS SHOWING 60 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding a late payment that was reported on my account. I have not received a response as of yet. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately update this item from my credit report. Its been over 30 days and I have not received an updated status. I demand this account be updated immediately, or I will file for litigation due to the stress you have caused.

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 2023-07-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter regarding a late payment that was reported on my account. I have not received a response as of yet. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately update this item from my credit report. Its been over 30 days and I have not received an updated status. I demand this account be updated immediately, or I will file for litigation due to the stress you have caused.

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 2023-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute immediately after discovering a fraudulent transaction of double charges ripped off from my credit card by the XXXX company. I never authorized that transaction, however my card information that was saved in my portal of the XXXX company, was misused and fraudulently charged by the merchant. Capital One Bank-my creditor, was notified immediately after discoevring that fraud and financial abuse. Capital One Bank executives including the CEO and President, were informed of that fraud that was covered up by the creditor 's dispute department. My creditor acted in favor of the fraudster merchant company and neglected all facts supporting my dispute for full chargeback and refund. The Capital One Bank bureaucrats-teh CEO and President repeatedly refused to address my concerns and avoided me. SInce XXXX up to date, the Capital One Bank blatantly denied my disputes cosnpired with the XXXX company fraudsters. I demand from the Capital One Bank immediate resolution of my dispute and full refund based upon credible evidence and burden of proof provided by me in support of my legitimate dispute. See attached copies of my emails sent to my creditor bank executives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a venture credit card holder and referred XXXX XXXX XXXX last XXXX XXXX for the card who was approved per my referral link and met sign up bonus timely, and I did not recieve my XXXX referral bonus as promised after waiting repeatedly per capital one customer service, very frustrating and misleading. Please credit my account XXXX the XXXX venture miles as soon as possible as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I had fraud that accrued on my XX/XX/XXXX statement. The amount was {$700.00}. I notified Bank of America fraud department when I received my XXXX statement. I informed them about the charge and told them that the merchant was the same merchant that I had fraud from in XXXX. They assured me that this time the problem would be taken care of and it wouldn't happen again. I assumed that an immediate credit would be issued and an investigation would be performed. I have received no credit and have not received any correspondents in writing from Bank of America saying that anything is being done to resolve this matter. I have called no less than six times over the past three months and talked to customer service to try to resolve this issue. Each time I'm given different reasons as to why this hasn't been resolved. I don't believe anyone at Bank of America knows how to resolve this issue. I have never seen a fraud situation where an immediate credit was not issued, followed by a letter in the mail saying that a fraud claim has been opened. None of that has happened and I'm not sure Bank of America is doing anything about this to resolve this issue. The current amount Bank of America owes me including interest is {$790.00}

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 2023-07-26 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: DE

Complaint narrative:
Hello my name is XXXX XXXX. Ive been trying to dispute this collection off my report for almost two years now. Im not sure why its still there. I was not living at that address so that bill does not belong to me. Ive never lived there. This hard inquiry is affecting my credit report and score and affecting with my overall life. These credit bureaus are using and stealing my information and its AGAINST the LAW for them to be having damages on my credit report under 15 USC 1681. I demand this be removed. Thankyou

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened a Lowe 's credit card when making renovations on my kitchen. Although I quickly paid off a large ( $ XXXX ) balance and the parent bank ( Synchrony ) showed my payment as having cleared on XX/XX/2023, the bank is still reporting the balance as outstanding as of XX/XX/2023. The bank representative said this is because this is a new account and the bank will take up to 20 days for " processing. '' As a result, my credit score has fallen from XXXX to XXXX even though the lender has now had my funds for XXXX days. This is absurd.

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 2023-07-26 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-26 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: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I needed to transfer an FHA case number from XXXX XXXX to penfed credit union since somebody who was not me applied for an FHA in the XXXX of last year the case number was still opened but they can only be 1 FHA case number at one time so penfed credit union sent me a step by step process i had the case number transfer but the case number had expired and i let penfed credit union know of this error but they still made me proceed i sent them that the transfer was complete and i pay XXXX dollars for an appraisal to get a call 3 day before my closing date letting me know that the FHA case number expired so there team could not accept it not only does penfed credit union want me to pay for there mistake also i have to push my closing date for another 2 weeks if sellers agrees to it and i also have another month of rent for my current residence penfed has not showed any accountability or any type of responsability for there mistake they are just making me pay an extra XXXX on a new FHA case number and 1 months rent for my current residence so in total penfed credit union has cost me almost XXXX dollars and has completely underminded me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: DE

Complaint narrative:
Hello my name is XXXX XXXX. Ive been trying to dispute this collection off my report for almost two years now. Im not sure why its still there. I was not living at that address so that bill does not belong to me. Ive never lived there. This hard inquiry is affecting my credit report and score and affecting with my overall life. These credit bureaus are using and stealing my information and its AGAINST the LAW for them to be having damages on my credit report under 15 USC 1681. I demand this be removed. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX. Ive been trying to dispute this collection off my report for almost two years now. Im not sure why its still there. I was not living at that address so that bill does not belong to me. Ive never lived there. This hard inquiry is affecting my credit report and score and affecting with my overall life. These credit bureaus are using and stealing my information and its AGAINST the LAW for them to be having damages on my credit report under 15 USC 1681. I demand this be removed. Thankyou

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 2023-07-26 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: PA

Complaint narrative:
I am not attempting for the 4th time to have inaccurate accounts removed from my credit report. XXXX XXXX XXXX has not been in compliance as these companies have several inaccurate items on my report. I have requested that each of these companies validate that the debts are 100 % accurate and i " am willing to pay in full ''. Each time they have not been able to verify these accounts, i am also aware that they are inaccurate. For some reason, im getting notified that these companies need more time to investigate these claims, but it has now been 5 months and this is now becoming ridiculous. I would like the following included accounts removed from my credit file asap. This is my 4th attempt to resolve this matter through legal disputes but i am not getting anywhere. I will continue to take further actions until these inaccurate items are removed from my credit file. 

Regards, XXXX XXXX XX/XX/1981 XXXX ( SSN last 4 ) XXXX XXXX XXXX XXXX XXXX, Pa 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