vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR

Complaint narrative:
ONCE AGAIN COLLECTOR WENT ON MY SISTERS CREDIT REPORTS AFTER CEAST AND DESISTS AND 9 DOCUMENTED CELL CALLS TO 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 2020-10-14 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: MD

Complaint narrative:
This is my second dispute about these fraudulent accounts and inaccurately reported accounts. XXXX XXXX account number XXXX is inaccurately reporting late payments.Its reporting late payments from XXXX, XXXX I HAVE NEVER BEEN LATE WITH THESE PAYMENTS. I also have XXXX XXXX/XXXX XXXX   account number XXXX is a FRADULENT ACCOUNT. I am building credit profile and these inaccurately reported accounts are causing emotional distress for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
Has Discover changed their payment policy since 2017? Are there now holds on payments to prevent thieves from making multiple payments in short period to exceed credit limit? This protects card holders as well as card companies. Discover allowed multiple payments in a very short time by thief who then exceeded credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: CA

Complaint narrative:
The company refuses to take any responsibility for incorrect information reported to the credit bureau. In the meantime, my credit has been ruined because it incorrectly reflects 90-day delinquency. I have been unable to refinance my mortgage as a result and have been denied credit. This has created a financial hardship for me. I have been given no timetable as to when this problem will be fixed and have asked for compensation from the company for my troubles and refused. This has become a very frustrating process and I understand that is has happened to several other borrowers.

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 2020-10-14 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: Kriya Capital, LLC
State: SC

Complaint narrative:
Ive reached out to this collection agency who is inaccurately reporting an illegitimate credit item on my credit report, in which is damaging my credit. This debt is no longer owed, as Ive settled it with the original debtor. This collection agency illegally purchased old debt that no longer exists, and now trying to ruin my reputation and credit. I am demanding that this negative item be removed, or I will seek legal action and report this company to the media.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is the second time I am having to file a complaint against TD Bank NA and XXXX XXXX XXXX XXXX , XXXX in XXXX, OH for harassing us claiming to not have received proof of insurance on our home. We last needed to do this in XX/XX/XXXX. My wife and I have a 15 year mortgage with TD Bank since XXXX where we purchase our own property insurance independently to avoid the use of an escrow account. Beginning in XXXX, TD Bank and their mortgage servicing administrator, XXXX XXXX XXXX XXXX , XXXX,. have adopted a practice of harassment by " losing '' our submissions of proof of insurance threatening to force place insurance on our home. Every fall, we need to go through multiple instances of providing this proof of insurance only to have it be " lost '' multiple times. This has again occurred after proof of insurance was confirmed to be sent on XX/XX/XXXX @ XXXX and on XX/XX/XXXX @ XXXX after their previous request to have the proof of insurance sent to them. We have since received yet another letter from TD Bank, dated XX/XX/XXXX claiming to not have received proof of insurance and threatening to force place insurance on our home. Since this request has been met twice, I can see that we are again on a path of harassment despite promises to the contrary in XXXX following the last complaint. 

The issue is TD Bank 's use of a mortgage servicing company that has a vested interest in selling insurance -- so much so that their corporate name contains " Insurance '' in it. This establishes a conflict of interest to not competently satisfy the administrative tasks of  processing mortgage paperwork but instead to pretend to " lose '' the submitted proof of insurance from what is now a competing source of insurance. The apparent hope is to sufficiently harass homeowners to the point where purchasing insurance from outside of the insurance purchased through an escrow account is too onerous for the average homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital keeps sending me letters and threatening to sue me for something I never had. I have never had a XXXX XXXX account they keep on send letters stating I owe them when I do not owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: FL

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME THE XXXX XXXX ACCOUNT ) LISTED WAS OPEN FRAUDULENTLY SOMEONE USE MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IIN MY NAME I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. XXXX XXXX I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXXostal Inspection Service for other possible violations of the law.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Skopos Financial, LLC
State: SC

Complaint narrative:
Ive been trying to get this inaccurate information thats being reported on my credit inaccurately for quite some time resolved. This company is reporting an item that was supposed to been off my credit after numerous letters and complaints, with the last one being from the FTC. This company has provided vital information to someone who wasnt/isnt me. They never identified the person they just disclosed my personal information. Which validated my rights as a consumer and the law. This item was supposed to been removed from credit 2 years per the last dispute and complaint and this item is still negatively reporting on my credit. I am demanding that this item is removed immediately. Otherwise I will seek legal action and reach out to the media in regards to this company and their illegal debt collection practice acts.

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 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
The credit information being reported is NOT accurate : 1, The date of the debt and/or collection is not correct 2. The amount of debt is not correct 3, The debt was incorrectly billed to me without my knowledge or authorization 4. Service was not delivered and/or was defective 5. Billing error - should have billed to insurance 6. Subsequently billed to insurer 7. Subsequently paid by insurer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Has Chase changed their payment policy since 2017? Are there now holds on payments to prevent thieves from making multiple payments in short period to exceed credit limit? This protects card holders as well as card companies. Chase allowed multiple payments in a very short time by thief who then exceeded credit limit and then blamed me for making the false payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the XXXX  breach but I can't wait until this is over. 
Thank you for your assistance

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 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit information being reported is NOT accurate : 1, The date of the debt and/or collection is not correct 2. The amount of debt is not correct 3, The debt was incorrectly billed to me without my knowledge or authorization 4. Service was not delivered and/or was defective 5. Billing error - should have billed to insurance 6. Subsequently billed to insurer 7. Subsequently paid by insurer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the Equifax breach but I can't wait until this is over. 
Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the XXXX breach but I can't wait until this is over. 
Thank you for your assistance

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 2020-10-14 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: FIRST COMMUNITY MORTGAGE, INC.
State: GA

Complaint narrative:
Credit report reflects Balance owed on home Mortgage loan which was paid Off cash 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 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I wrote out a balance transfer check for {$2500.00} that was deposited by the recipient on XX/XX/2020. I was charged {$2900.00} on my credit card account, plus the 5 % transfer fee which is now {$20.00} over. I have been in contact with Citi card multiple, multiple times ; I have been hung up on after being stuck on hold for long periods of time. I have a copy of the canceled check showing it was for {$2500.00}. I received that about two weeks ago. Every time I call, I keep getting the same answers - it's being investigated, 7-10 business days, 2-3 business days, investigation is open. Citi literally stole {$420.00} from me ; since they won't fix it, it's theft to me. I don't understand how this can't be resolved. If I have a copy of the canceled check, then THEY have a copy of the canceled check. I've seen many complaints on social media about very similar situations with Citi card, and some have been going through this for months!

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 monetary relief
Consumer complaint received 2020-10-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America reportedly announced me as guilty of check fraud because I had reported it and drawn funds against a check I had deposited. This was then used against me by XXXX XXXX  using XXXX   XXXX  as a credit reporting agency. 

XXXX  is waiting for an associate with XXXX XXXX to admit that she had made payment arrangements before the payment was late. This has since been paid in full but still holds up my credit report somehow, further impeded by the multiple efforts to get a mortgage refinance so I can get out of debt sooner. These inquiries, about 50-60 total, also hold up the process.

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 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Im owe a debt to American Express, Im have being unemployed since XX/XX/2019. But Im paying them a monthly payment of XXXX a month. I have repeatedly told them that is all I can pay but they keep calling me repeatedly trying to set up a different plan. Asking me about who is supporting me and why cant they give me more money to help with this debt. I find this unusual because Im paying off three other  card with payment of XXXX a month, and has never been harassed by them. Instead they send me a monthly statement of how much I have payed and what my balance is. This has gotten out of hand to point that I will not answer my phone if your number is not in my contacts list. Looking for some much need help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 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: U.S. BANCORP
State: CA

Complaint narrative:
I purchased two flights to travel to XXXX in XX/XX/2020. XXXX placed restrictions because of COVID and I could not legally enter the country. XXXX XXXX refused to offer a refund but they offered to change my trip but it had to be before the end of XX/XX/2020and there were no other flights the same price so I had to pay an additional {$460.00} to change the flight to XXXX. In XXXX XXXX still had strict restrictions on travel, and I legally could not go on my trip. When I called the airline and the third party I bought the tickets  from ( XXXX ) they refused to give me a refund and said I had to pay even MORE money to change my flight, which again had to be within a year. I was being scammed out of money, the airline could not legally offer me the services I paid for and instead made me pay more  money to change the flight to another uncertain time. I then disputed these unlawful charges with my credit card company, which is US Bank and they are refusing to help 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 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial Services makes repeated calls to my cell, does not leave a message, only lets it ring maybe two times and hangs up. When  I finally got the chance to answer a guy named XXXX didn't read the mini miranda just went right in to threating me to pay a medical debt I wasn't aware I even owed. Then when I asked for documentation he told me that we are way passed that point and I need to get real about paying my debt. When I asked to resubmit it to my insurance company which I've maintained for over 5 years now he threated me about paying again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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:
Hello, My name is XXXX XXXX. I am writing this complaint regarding Equifax. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues.

Also, I have verified my identity multiple times. They have been done through the phone, mail and fax.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
Kohn Law firm started calling and mailing me letters back in XXXX. In XXXX of XXXX, I was sent legal paperwork that I had lost a case and a judgement had been put against me. in addition i needed to talk with kohn law firm to make payments on this debt. I agreed to payments of  about XXXX a month for about 19 months to pay off the bill in full. 
I just checked my credit it hopes it had gone up since i was making monthly payments and instead of seeing the debt go down they increased it by XXXX dollars causing my XXXX  credit score to go down my 33 points. 
I then called kohn law firm and spoke to a very pretentious woman who told me that they don't report anything until it is paid off and then a guy  named XXXX who was a bit nicer who told me they report all of the payments and that the I needed to talk with XXXX XXXX and not kohn law firm. due note since kohn law firm has the file XXXX XXXX  will not talk to me. 
They have documentation of all payments that they can provide but for me to get that they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Did not received nitificatio. Of this debt going onto my credit report. Do not remember getting phone calls either. Would like to get this cleared up and deleted fro. My credit report.. i called and left several message.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation