vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/2019 both my spouse and I lost our jobs so I contacted PenFed Credit Union to inquire about what my options might be such as deferring payments to the end of the loan, reduced payments, anything of that nature that they might be willing to work with me on. I signed an extension agreement that to my understanding deferred 90 days ( or the next 3 payments ) until the end of the loan. We resumed our regular monthly payments in XXXX only to be blindsided by a letter from PenFed 's delinquent loan department stating that we were in arrears over {$1400.00} dollars. After pouring through bank statements and looking for copies of canceled checks I reached out to PenFed with copies of the Extension Agreement that I had signed, a listing of all the payments I had made on the loan and my belief that I was in fact current. Shortly thereafter I received another letter from the delinquency department stating that the Extension Agreement that I signed was placed on my file for future use as at the time I asked for assistance I was not eligible to receive any. To say that I was shocked was an understatement ; why would they have me sign the agreement and then not notify me in writing that the extension had been denied? The lender that I spoke with and emailed me the agreement never told me that I was in fact applying for future assistance ; it wouldn't have made any sense for me to do that I couldn't make the payments in XXXX. I have only recently started a new job and my spouse is out of work still, my fear is that repossession attempts are not far behind and I just honestly feel like I was completely mislead about the form I was signing ( it is clearly titled Extension Agreement ). PenFed basically told me to XXXX it up there was absolutely no repayment options given to me just pay the {$1400.00} now. They have also continued to contact my son who is in no way linked to this loan or to PenFed in any way, shape, or form despite his numerous attempts to explain to them that he is not an account holder of theirs. I'm not sure if they think he is lying and that it's really me on the other end of the line but the calls are repeated, during his working hours as an XXXX at a XXXX XXXX XXXX. I have given them my contact information numerous times so again I don't understand why they continue to call my son.

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 2020-08-12 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: NY

Complaint narrative:
There is a XXXX XXXX account on my Equifax report that does not belong to me. I have been trying to dispute information on my Equifax report for over a year. I successfully had the negative information removed from the other credit bureaus, but I have been unable to login to XXXX to dispute this information. I can log in to the regular Equifax.com website witch then redirects me to XXXX. The account does not belong to me and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a Hard credit inquiry on my Experian credit report but nothing was done by Experian. I had requested a credit limit increase on my XXXX credit card, a hard credit inquiry was made by XXXX which is unusual. No other financial organization which I use makes hard inquiries for requesting a credit limit increase. The limit was even denied despite my excellent credit history. 

This morning, my Experian score dropped XXXX point for no reason, I made no new inquiries, my spending habits are the same and nothing has changed in my report only my score. This is unacceptable and builds a sense of distrust for this system, is it designed for individuals to fail no matter how hard they try to have a decent and meaningful life? 

Please help me understand what is going on. 

Thank you.

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 2020-08-12 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: VA

Complaint narrative:
XXXX is reporting inaccurate information on my credit report. They are reporting late payments from XX/XX/XXXX thru XX/XX/XXXX. All other late payments prior to XX/XX/XXXX should not be reporting late because o was in a medical payment plan program and I faced extreme financial hardship due to my medical condition since XXXX. I have tried to correct all the late payments history that has been reporting to Experian but has not received any assistance. The account has been deleted with XXXX  and XXXX  however my Experian credit score would s suffering due to this inaccurate reporting, at this time Im requesting that this account be deleted permanently from my credit report because of this account I have not been able to obtain a new job because of this account and I have not been working due to COVID 19 and my medical condition.

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX, I received a notice from a Mortgage Broker with whom I've filed an application stating that my credit has been frozen. To my knowledge, I've never frozen my credit. In order to unfreeze my credit, I went to the Experian XXXX XXXX XXXX  ( https : //www.experian.com/freeze/center.html ) and followed the " Remove or lift a security freeze '' button. I fill out the form correctly and truthfully, but when hitting Submit, I get a " Security freeze error '' with " We are unable to process your request. If you would like further assistance in removing your Freeze, please contact us at XXXX ''. Calling that number, however, is completely unhelpful. It's an unmanned line with only two inappropriate options and no way to reach a person or address my concern and ending with a description of how to send a snail mail letter.

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 2020-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I want to contact paypal to withdraw my money. But I can't get in touch with them all the time. I want to add another bank, but I keep making mistakes. Link a bank account Sorry, we can't link your bank account right now. My email number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: PA

Complaint narrative:
I paid in full to my credit report collections accounts, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but still my account not updated showing as serious delinquent accounts on my credit report. 

I lost my current job due to covid 19, I have XXXX XXXX old kid and XXXX XXXX XXXX kid, my current lease manager told me to vacate the current house by XXXX XXXX XXXX XXXX XXXX, i am trying to find an apartment in Massachusetts, i am unable to find an apartment because my credit reports accounts still showing as collections so please delete them from credit report, so that I can find a home to keep my family safe during pandemic. 

We are from XXXX working here as XXXX, staying with families, please show some sympathy on hard working people. 

Please update my credit report so that i will get a home to keep my family safe. 

Thanks, 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 2020-08-12 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: PA

Complaint narrative:
I paid in full to my credit report collections accounts, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but still my account not updated showing as serious delinquent accounts on my credit report. 

I lost my current job due to covid 19, I have XXXX XXXX old kid and XXXX XXXX XXXX kid, my current lease manager told me to vacate the current house by XXXX XXXX XXXX XXXX XXXX, i am trying to find an apartment in Massachusetts, i am unable to find an apartment because my credit reports accounts still showing as collections so please delete them from credit report, so that I can find a home to keep my family safe during pandemic. 

We are from XXXX working here as XXXX, staying with families, please show some sympathy on hard working people. 

Please update my credit report so that i will get a home to keep my family safe. 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: VA

Complaint narrative:
Good Morning - my mother XXXX XXXX passed away XX/XX/XXXX. She was unmarried and no will. She didn't have any property or anything else. I have sent XXXX ( National Commercial Services ) an email twice to the email address on the letter once in XX/XX/XXXX and again XX/XX/XXXX stating that she is deceased and to stop sending letters to her to my address. This is very upsetting and very emotional for me as her only child. Please make them stop!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I meet all the criteria for a loan .... the underwriters for TD Bank took nearly a month to evaluate..I was asked to right and send a letter in detailing why my income was low this year from previous years ( W2s ). I stated I was a victim of the XXXX epidemic like most people and my jobsite was closed down for 3 months being in XXXX. I denied the loan because of insufficient income..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
On XX/XX/2020, I notified Transunion credit bureau that the there were incorrect balances on my credit report for XXXX account and XXXX XXXXXXXX account in which my balances were paid off to XXXX dollars. After investigation was complete within 30 days, my credit score did not increase and Transunion fails to adjust my credit scores after balances are corrected and paid in full.

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 2020-08-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These are not my accounts. Please provide the original instrument of indebtedness for these accounts ; in addition, to Validation of debt, and Method of Validation. 

XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX 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 2020-08-12 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: EQUIFAX, INC.
State: WA

Complaint narrative:
We keep receiving in the mail from XXXX XXXX XXXX our credit scores. They are very low. We have paid every bill and have receipts as proof of payment this includes, Housing, Car, and Credit Cards. My  wife XXXX received credit scores of XXXX and one of them was from the company where we make car payments XXXX XXXX XXXX. We have made 54/84 car payments and our current on payments. We have made all credit card payments and current on payment. We have mailed the statements from the credit burea with a letter regarding FCRA violations not reporting payments and or inquiries. I think we need the credit bureaus and ourselves to show up in a legal setting so that I can bring all the paid receipts and file a formal complaint. The credit bureaus have also reported we have lived at addresses we never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group
State: FL

Complaint narrative:
Beginning on XX/XX/2020. I personally received 4-6 calls to my cell number, 3 calls to my employer 's phone number and a single call to my brother 's phone. A XXXX XXXX with " Northwood Asset Management '' left messages regarding an internal case number saying he needs to speak to me or my attorney immediately. I manged to get in touch with him Wednesday, XX/XX/XXXX and he said it's a debt from a company called " XXXX XXXX. '' I told him he's been notified to not call me or any other contacts he has again and I don't know who XXXX XXXX is. He responded I " need to get a lawyer, because this is not going away '' and hung up. I've received no notification via US mail or email about any debt previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
So for over 4 years I have been trying to get this credit card account removed from My credit report. Im XXXX I Closed out this account with the banker which is the same banker who was the main reason for my XXXX payment from Wells Fargo because of fraudulent opened accounts. A simple XXXX $ bill which I paid and closed out the account had bubbles into 67 charge offs and a stain on my credit report. I closed this account out and if this same person is opening fraudulent accounts under me and was fired for this same reason. I reported this information. On my first dispute, my 2nd dispute and now to the executive branch and they are still reporting this on my credit report. It was XXXX $ thats bubbles to XXXX $ with late fees. If you cant make cash deposits with your banker and pay to close account out and actually have them closed out the way they are supposed to be then why do we even have bankers if you cant trust them to do whats right.

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
MY NAME IS XXXX XXXX XXXX IT IS REPORTING AS XXXX XXXX ON TRANS UNION ONE OF MY PREVIOUS ADDRESS WAS XXXXXXXX XXXX   XXXXXXXX XXXX XXXX, NC XXXX IT IS REPORTING AS XXXXXXXX XXXX XXXX., XXXX XXXX, NC XXXX ON TRANS UNION MY CURRENT CELL PHONE NUMBER IS XXXX I DO NOT RECOGNIZE THESE TELEPHONE NUMBERS REPORTED BY TRANS UNION XXXX XXXX XXXX XXXX XXXX THE FOLLOWING PAST TELEPHONE NUMBERS ARE CORRECT AND THEY ARE AS FOLLOWS : XXXX - PREVIOUS HOUSE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX - CURRENT EMPLOYER TELEPHONE NUMBER XXXX - PREVIOUS HOUSE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX MY MOTHER 'S PHONE NUMBER REPORTED BY TRANS UNION THANK YOU

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 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX at about XXXX XXXX, I received a call from XXXX advising me that I owed on an account from XXXX XXXX in XXXX. I told the caller that I had no knowledge of the account so they transferred me to someone else who was very rude. When I advised them that I knew nothing about the account the caller got very hostile and started telling me that I lived at XXXX XXXX which I never did. The caller then told me that he looked on my credit report and seen that I lived at XXXX XXXX which I never did. The caller never wanted to give me any specifics of the account like an account number or a balance on the account and told me that he doesnt have time to be playing around with me that he was taking me to court and placing a judgement on me. I tried calling the number back for more information about them and they will not answer the phone from my number. They have information from my credit report and my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
The problem with my Prosper loan is that the loan payment due date is on the XXXX of the month and I have asked repeatedly for a change of date to accommodate making payments. My payment is due on the XXXX and I am asking for a move of payment due date to the XXXX. I have explained that this date bumps heads with my mortgage and leaves me with not enough money to pay my mortgage. They claim that I have had a move of payment due date once. I did not. 

I have so many issues so I will list them 1. The payment is due on the XXXX, if I don't pay them on the XXXX, they call my phone literally every 15 minutes on a robo dialer. 

2. I usually go in and schedule the payment for the XXXX because thats the pay date that I can commit to. When I do this and call them back they claim they don't see the scheduled payment. Meanwhile the payment comes out of my bank account as I schedule it on the XXXX. 

3. They keep pushing me to go with an extension of the loan or deferment which means that it will take me longer to pay the loan off. I don't want to do that I want to pay the loan off but they keep charging me interest so it looks like I am not paying anything.

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 2020-08-12 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: OH

Complaint narrative:
These are not my accounts. Please provide the original instrument of indebtedness for these accounts ; in addition, to Validation of debt, and Method of Validation. 

XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX 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 2020-08-12 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: NJ

Complaint narrative:
They reported the account as being late when it wasnt

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