vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2020, I reviewed my Transunion credit report because I am preparing to purchase a home. Upon review, I have a collection account from XXXX XXXX. When attempting to find out information about this company, I couldn't even find a legitimate website, verifying who this collector even is. I have never received any notification from XXXX XXXX notifying me of a debt. Nor did I ever receive any written notification from XXXX XXXX regarding my right to dispute debt within 30 days. I also was never provided with any documentation proving that I have any obligation to pay any debt. Further, I have never had any contract or obligation to pay XXXX XXXX  XXXX. I don't owe any money to XXXX XXXX, nor do I owe money to any third party XXXX XXXX claims to represent. XXXX has damaged my credit and violated my rights under FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows. Per the FCRA, all accounts on credit reports must be verified. Transunion is the only credit bureau that has this fraudulent account listed. This is illegal. Transunion and XXXX illegal and unwarranted actions have damaged my credit and my ability to obtain credit.

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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: SC

Complaint narrative:
On XX/XX/2020, I reviewed my credit report because I am preparing to purchase a home. Upon review, I have a collection account from PMAB LLC. I have never received any notification from PMAB LLC notifying me of a debt. Nor did I ever receive any written notification from PMAB LLC regarding my right to dispute debt within 30 days or given any documentation proving that I have any obligation to pay any debt. Further, I have never had any contract or obligation to pay PMAB LLC. I don't owe any money to PMAB LLC, nor do I owe money to any third party PMAB LLC claims to represent. PMAB LLC has damaged my credit and violated my rights under FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows. PMAB LLC 's illegal and unwarranted actions have damaged my credit and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On XX/XX/20 I filled out an online credit application with the car dealer, after they reviewed my credit I decided not to continue. On XX/XX/20 they contacted me again to see if I may still be interested in a car, in the conversations via text messages there was no authorization to run my credit or that I wanted to continue with a credit application. They ran my credit without my knowledge of it being done, and this time it was 6 total Inquiries that included other credit companies. I contact the dealer and I have not received a call back from management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am filing a formal complaint against JCPenney Credit Services ran by Synchrony Bank. This complaint is addressing a sudden credit line decrease without 30 days of notice. Under Regulation B aka ECOA, creditors are required to provide thirty days of notice when making any changes to an account. Synchrony has failed to do this on two occasions with just this card alone. I have had this happen on my other Synchrony credit cards as well. They say they sent letters, but they never did. This decrease happened on two separate occasions once on XX/XX/XXXX and the other being XX/XX/XXXX. I spoke with a woman named XXXX who said that strangely enough I didnt get letters. I asked for proof they were sent and she could not find any.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This morning I submitted a complaint about Capital One to the CFPB because the company ran my automatic payment through the wrong bank and refused to assist in rectifying the error. I received notification that my complaint was received by Capital One ; and since that time my Capital One credit card has been repeatedly declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I have disputed two transactions totaling {$120.00} ( {$81.00} and {$46.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. The creditor ( Bank of America ) has failed to acknowledge the dispute, but kept sending unable to process inquiry letters despite the fact I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. 
It appears that the creditor ( Bank of America ) either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as  follows : Effect of noncompliance with requirements by creditor - " Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor ''. 

Please contact the creditor ( Bank of America ) requesting a full credit of {$120.00} to comply with with the Fair Credit Billing Act as required by the 15 U.S. Code 1666 ( e ).

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 2020-04-16 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: NY

Complaint narrative:
I closed out my account in XX/XX/2019 and still received fraudulent charges. 
Non-Negotiable NOTICE and DEMAND From : XXXX, XXXX XXXX XXXX, hereinafter " Borrower '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX To : XXXX XXXX XXXX, hereinafter " Lender '' XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/2019 RE : Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt. 
Dear Account Manager : Pursuant to the Fair Debt Collection Practices A c t, 15 U.S.C. 1601- 1692 et. seq., this constitutes timely written notice that I dispute the entire amount of the alleged loan and that I decline to pay the attached, erroneous, purported debt Notice which is unsigned and unattested and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach of contract, false representation, and fraud in the inducement. 
You have refused to answer my Notice of Adequate Assurance of Due Performance, thus ending the alleged agreement and giving me evidence that you did not follow G A A P. According to the bookkeeping entries, the borrower provided the money or credit, a thing of value, to fund the alleged loan or check or similar instrument in question. Failure to answer my Notice of Adequate Assurance of Due Performance tell me that you acknowledge that I funded the alleged loan and the loan an agreement was stolen and forged, thus ending any claim you have against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CT

Complaint narrative:
I applied for a loan from XXXX XXXX XXXX in XX/XX/XXXX. I was involved in an accident in XXXX before that I was doing timely payments. Initially the insurance payment paid them off a major of the portion of the principal and then I kept in paying too same as before. I also financed an extended warranty through them so the company of the warranty had to sent me a check the check went to them first and they paid themselves then they paid me. When the loan was closed which was reported on XX/XX/XXXX they reported that I was 30 days late for XXXX payment 30 days late for XXXX payment and 30 days late for XXXX payment. Their representatives were very inept and lacked proper training and this company is probably the worst lienholder Ive been dealing in my entire life. Anyways the payment should be done by the first of each month. I am attaching two screenshots where my payment for the due date on XXXX was made on XX/XX/XXXX in full for the due date by XX/XX/XXXX. Also the payment for the month of XXXX was done in two different dates for two different amounts XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX for the due date by XXXXThey also told me that my account was paid off sometime in the end of XXXX with the check that the warranty company sent to them they paid off themselves in XXXX and then refunded me so despite I took a statement on XX/XX/XXXX to make a payment by XX/XX/XXXX but yes I did not make a payment due to my account being paid off from the check they got from the warranty company. I want to know how is it possible I was 30 days late in payment for the months of XXXX and XXXX and 60 days in XXXX when my account was closed on XXXX? Despite its reported as closed on XX/XX/XXXX on Experian I think.

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 2020-04-16 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:
Despite numerous attempts since XXXX, I have been unable to dispute the transaction online, and have been unable to reach a live rep without being placed on hold for more than 2 hours! 

I have tried to notify Capital one but Im forced to resort to send a letter, using my letter head, in order to wake someone up that this is serious and each time it occurs its increasingly aggravating. 

Im writing to dispute the following debits to my account : XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX Ive sent emails, sent faxes, and even left my call back number and name in the queue for a rep to call me back to no avail. I have filed a complaint with the Consumer Financial Protection Bureau. I understand that COVID-19 has disrupted businesses, including my XXXX, but common decency should allow to call me back. This is my final attempt. I have already spent a whole day on the phone trying to reach your staff, costing me nearly {$1500.00} which I expect to recove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CT

Complaint narrative:
I paid the credit card company Elan before the due date of {$350.00} This was taken out of my checking account on XXXX XXXX BUT was not applied to the balance showing available credit of XXXX! 
I called the credit card company and the customer service person stated that it was being held since they were not sure if they would have gotten paid since a payment was returned in XXXX of 2020! 
I have never had a payment returned ever! 
I did pay the credit card twice in XX/XX/2020 so I requested that they send back one of  the payments. The credit card company did return one of the duplicate XXXX payments on XXXX XXXX. 
Furthermore the rudeness and unprofessional attitude was unbelievable especially during this time of the virus one would think that kindness would be prevalent!

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 2020-04-16 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: CA

Complaint narrative:
For the past 6 months I have disputed inquiries, late payments that show for 2 XXXX accounts & XXXX XXXX  as well as XXXX XXXX which shows as a reposession when it was in fact a paid off loan. I have also disputed XXXX collections with XXXX several of which were made by other adults and yet have linked to my credit profile. I have have zero resolve from the credit report agencies as these items remain on my report and are drastically affecting my credit score and affecting my loan approval. Additionally there is a collection with XXXX that has been paid and creditor agreed to delete that is still reporting. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/2020 I tried calling Citibank after spending several hours online trying to research why I had a late payment fee added to my card account. I discovered that I had not received two paper statements in the mail. I rely on paper statements to set up my bill payments thru XXXX  XXXX XXXX 's bill payment system. I have not received paper statements a few times in the last five years, and I have always been able to contact Citibank customer service and request a courtesy fee waiver. Citi has been gracious enough to waive the late fee due to my long customer and on-time payment history. Knowing that during the current Covid 19 pandemic / crisis that Citi 's customer service department would be delayed I tried to pursue online means of contacting Citi : chat, sending a secure message through their system to no avail. None of these online published options were working or available. I searched for a fax # to send my request but could not find a published fax # anywhere, either online or on the paper statements I do you have in my possession. So finally, I called the customer service # XXXX at XXXX XXXX  Hawaiian time and was subsequently put on hold. I figured I could wear my headset, complete my work at home, make dinner, walk the dogs, and do other activities while on hold. I was on hold, with Citi 's music and notifications that kept repeating " the next available customer service representative would attend to my call. '' This never occurred. After two hours or 120 minutes and 32 seconds, my call was cut off by Citibank, with no option to leave a message or have an agent return my phone call. There is literally no way to obtain customer service with this # 4 ranked in assets bank in the US, and # 11 ranked global bank in assets other than writing a letter and mailing it via US postal service., which I will do and mail out tomorrow, XX/XX/2020. 

They are a huge global bank and this is unacceptable, even during a pandemic/crisis. I feel that perhaps some employee and supervisor in a call center somewhere had a bet going on as to how long I would wait on hold before ending the call. They ignored my call and are probably laughing their heads off because of it. Again, unacceptable given the length of time I have been a customer and the size of this bank. 

My complaint has to do with Citi 's inability to provide customer service, by any means. How are their customers to get in touch with them other than by US postal service?

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 2020-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
I was updating my payment for an XXXX XXXX payment to pay from my checking account from First Tech Federal Credit union on XXXX. I set up a payment for {$130.00}. The account was supposed to pay from a checking account. XXXX XXXX, IMMEDIATELY notified me that the account had an error, and upon checking the account numbers I realized a no-balance savings account for First Tech had been linked. XXXX  instructed me to reach First Tech and place a block on the payment. I called First Tech immediately. Long hold times, no answer. I then went to secure messaging on my profile to advise of the error and asked for help on XXXX in blocking the payments for the account in error. The replies were " It is not our fault. '' Sorry the fees won't be reversed. I continued to call multiple times, send more messages on online messaging, to be told that " It's not our fault XXXX tried to pull payments, the fees are valid ''. See attached messages. 
My issue is no one was responding, or appropriately reviewing options to help me correct this issue. 
I very quickly corrected the payment with correct account and the XXXX payment from correct First Tech checking account was processed for {$300.00} ( as I had~ {$2000.00} funds available on XXXX for the purpose of bill payments ) on XX/XX/2020. It took a few days to process with the account correction. 
XXXX was amazingly helpful, no fees charged, great direction in how to resolve. 
FIRST TECH FED CU, not helpful, dismissive, and unwilling to reverse the fees. No help in discontinuing the fees from recurring. 

I was charged a fee of {$28.00} on XXXX, another {$28.00} fee on XXXX, and another {$28.00} fee on XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CA

Complaint narrative:
For the past 6 months I have disputed inquiries, late payments that show for 2 XXXX accounts & XXXX XXXX  as well as XXXX XXXX which shows as a reposession when it was in fact a paid off loan. I have also disputed XXXX collections with XXXX several of which were made by other adults and yet have linked to my credit profile. I have have zero resolve from the credit report agencies as these items remain on my report and are drastically affecting my credit score and affecting my loan approval. Additionally there is a collection with XXXX that has been paid and creditor agreed to delete that is still reporting. Please help

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 2020-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2020 my credit report was pulled without my consent as an attempt to open an account under Bank of America. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Bank of America On more than one occasion they could not assist with resolving this matter.

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