vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
We submitted an application with PENFED to refi under a VA Interest Rate Reduction Loan. The loan officer asked us our goal and we told him shorter term, and lower rate. Within a few days, he comes back and says please " great news your guys qualify for the lower rate of 2.75 but they wanted us to refi for a longer term. When I questioned the term, he put it on the VA and said they would not approve a shorter term if the refi resulted in a higher monthly PI. Therefore, I contacted the VA and was informed that was not the case. The VA loan specialist informed us that we could in fact lower our terms but lenders do not want too because they can not charge the veterans any fee 's. I went back several times and informed the lender but they kept pushing for a 30-year term, which would benefit them tremendously. Unscrupulous business practices like this should not be tolerated. They are trying to force veterans into longer terms, which lead to more money for the lender. Once I provided him with the VA circular, which governs how lenders handle VA IRRRLs he finally, fessed up to not being able to refi because they can not charge us some of the associated fee. Bad business practices and there is no telling how many veterans get taking advantage of. I am a XXXX veteran who served my country proudly for over 28 years.

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 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
On XX/XX/20 at XXXX I received a call from " unknown ''. I did not answer but listened to the voicemail that was left. What was weird was my voicemail showed the unknown as " XXXX ''. 

The guy stated the following word for word : This message is solely intended for ( my name here ). This is XXXX XXXX. Im an independent courier calling in regards to certified documents that have you listed as the receiving party. At this time I am scheduled to deliver you your documents and obtain your signature within the next 48 hours outside your home or your place of employment. If your signature is unobtainable your documents will be marked as direct refusal to comply and the process will proceed without you. If you have any further questions or you need to reschedule your service date, you or your attorney will need to contact our business office immediately ( this word was slowly emphasized ) at XXXX and you will need your reference number of XXXX. Thank you and have a good day ''. 

I called the number and a woman answered. 
Note : I knew before calling that it was a scam because I googled a portion of the voicemail and the negative results came up. 

A little music played or something and them a woman picked up and I told her why I was calling and she asked for the reference number. Couple seconds pass and she gave me my birthday and asked for confirmation. She shared with me what the call was about ( in my head I knew she had accurate information of myself personally but the debt information was bogus ). I asked her for her name, company name, company address, and phone number. She gave all four, some with hesitation ... XXXX was her name, XXXX XXXX was the company, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX-something Texas and her direct line of XXXX XXXX XXXX she told me how much I owe with One Main Financial and how much they will settle with for today. She also said the company  wasn't a debt collector but that they help companies get their money back ... ..huh?? 

I asked more questions about what my options were. She said payment plan or pay in full. They accept no checks only card numbers but she told me if I called one main directly that they could take checks ... another red flag. I told her I would call her back and never did. 

The entire conversation I had with XXXX was done with intent on my part. She gave off an insane amount of red flags. From acting like she didn't hear me to her lack of knowledge about how debt collection works. XXXX XXXX and XXXX tried to scam me out of {$8300.00} which is absolutely laughable. I really and truly feel remorse for those who aren't so lucky to catch this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: MO

Complaint narrative:
On XX/XX/2020 I filed a dispute with TRANSUNION & XXXX   regarding a collection account listed as XXXX XXXX. The account was sold to another company called XXXX XXXX XXXX XXXXXXXX. This account was paid in full - as noted by the letter I received from XXXX XXXX, and should NOT be still listed as a collection account. 

TRANSUNION sent me the results of their investigation dated XX/XX/XXXX, XXXX in which they indicated that the account was removed from my credit file. As of XX/XX/2020 the account is STILL showing up as a collection account. This is a violation of the Fair Credit Reporting Act and should not be tolerated by this credit reporting agency. 

TRANSUNION needs to honor their statement in the investigation results they sent me and REMOVE this account from collections IMMEDIATELY!! 

I've spoken to several people by phone who only files more disputes, which is totally and absolutely incompetent and wrong!

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: AR

Complaint narrative:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found incorrect info on my credit reports and been trying to get it corrected for along time, but its still there. 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 2020-08-07 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: TX

Complaint narrative:
I found incorrect info on my credit reports and been trying to get it corrected for along time, but its still there. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Smith, Cohen & Rosenberg LLC
State: TX

Complaint narrative:
Someone from from telephone number XXXX XXXX said he was from Smith Cohen and Rosenberg contacted me today on XX/XX/2020 and said I owed him money. 
When I informed the caller I did not owe his company any money he made verbal threats towards my life ordering me to pay or else. When I gave him a verbal cease and desist order, he said we were not done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 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: GA

Complaint narrative:
I did not authorize any of these inquiries XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: First Direct Lending, LLC
State: KY

Complaint narrative:
I applied for a loan with XXXX XXXX. I fell behind in some of my payments and the loan was sent to another creditor, First Direct or XXXX XXXX XXXX. I signed a contract on XX/XX/2020 with First Direct, to pay {$200.00} bi-weekly, and on one of the payments ( used my debit card ), there were several other fraudulent charges after First Direct posted a payment. My debit card was locked and I had to wait several days for another card. I again fell behind on a payment, because I did not have access to my checking account, I started receiving threatening calls from XXXX XXXX with First Direct or XXXX XXXX XXXX, then more threatening phone calls that I was going to be arrested. I was told that I could not set up payment arrangements, that I would be arrested by XXXX XXXX, who stated he works for XXXX XXXX XXXX. The balance on the {$800.00} loan was {$1300.00}, and I paid {$400.00} towards the balance. I was told by XXXX XXXX that I had to pay {$1500.00} and the that the {$400.00} that I paid was no good anymore because I defaulted on the loan. I explained to Mr. XXXX that his company released my debit card information, or an employee at their company had my debit card information, and they were making fraudulent charges to my account. I was told that this was being investigated. I am not sure if this company is legitimate, but I was told by the original creditor XXXX XXXX that First Direct had the loan now. I have been threatened, hung up on when trying to resolve this matter, and threatened that I would be arrested for writing a bad check.I called for several days to resolve this issue, but I was told by Mr XXXX XXXX, that I could not set up any arrangements, that a warrant for my arrest was being issued. I never wrote a check XXXX XXXX, this was a loan. I have been affected by COVID - 19 and this company has unethical business practices.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-07 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: AL

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: OH

Complaint narrative:
I can not do any mobile transfer it will not let me link my account to anything so i cam add money to my account from cash app or XXXX XXXX or XXXX XXXX my check go on another card because i work two jobs and i want to save money in my XXXX account because i feel safe with my XXXX account but it won't let me link my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a XXXX ( XXXX ) AT & T Universal Card Mastercard that closes each month on the XXXX. Minimum payment is due by the XXXX of the month. I have an auto-payment agreement for them to take funds from my checking account for the minimum balance if it is still due by the end of the month. 

On my statement closing XXXX, there was a minimum payment due of {$130.00} by XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account and successfully made the minimum payment of {$130.00}. 

And on XX/XX/XXXX, I logged into my account and successfully made an additional payment of {$160.00} to bring down my balance further. 

However, on XX/XX/XXXX, Citi drew the {$130.00} minimum balance from my checking account although I had more than paid what was due for the month. 

I was able to call them today XXXX and speak with employee XXXX, who politely looked into the matter and let me know I would be refunded the XX/XX/XXXX payment they took from my checking account. 

( I have had this happen once before with another card, XXXX VISA, about a year ago. For XXXX, this seemed to be a timing issue, but it should be completely avoidable with proper policy and systems changes. ) Most importantly, when I pay the minimum payment TWO WEEKS before it is due, I should not have the card company pulling funds from checking account. 

Needless to say, it makes it hard to plan for paying things like rent and utilities when a creditor violates an agreement and takes more money than is required. 

While I will get my refund, I do not want this to happen again EVER to me or any other card holder for any company. When minimum payment is made OR any payment is made that exceeds the minimum payment, then the creditor has NO RIGHT to take another payment. 

I would appreciate your looking into the matter. This is an especially difficult time for people who can't make two minimum payments for the same card for the same month if they have another card or other responsibilities due that month, too. 

Thank you for your assistance. 

Kind regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I disputed and had removed from my credit a collection by XXXX XXXX originally from XXXX XXXX  XXXX XXXX due to the debt not being mine. Now it appears XXXX has sold this collection to Phoenix and they have put this debt back on my credit reports. I do not owe this debt, I was not the person that required treatment, I was not present at time medical assistance was given. The person to whom medical assistance was given was a legal adult at time of service and was not enrolled in post secondary education. I did not have insurance on the person to whom this debt belongs. 

I also disputed this debt on this site and received a letter from the collection agency that I will upload stating that the debt will not be attempted to collect again on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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:
Experian keeps adding false information on my credit report XXXX been disputing this account more then once also submitted a affidavit XXXX XXXX and XXXX  remove these False accounts except Experian

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 2020-08-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 
XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
The net credit company is charging 35 % interest and called to make partial payments in the pandemic, they are not considering the partial payments and they are constantly charging my account without my knowledge, ... .they charge my card 4 to 5 times..partially in the same month and saying this is the meaning of the partial payment ... ..35 % interest rate is too high lending limit ... ... i am unable to make my monthly paymnet, i need a hardship to waive my monthly paymnets for months atleast ... they are harassing me by directly charging to my bank account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 
XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 
XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: AL

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX

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