vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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: CA

Complaint narrative:
applied for a XXXX credit card today XX/XX/2020 and I wasn't approved because there is an account reflecting badly on my credit report. The company that the account is from is called XXXX. I did not open an account with this company nor did I allow anyone to open this account in my name. I did not gain anything from this account being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I do not have any written/verbal contract with this company and I never allowed them to run or access my credit information. I have already filed a police report regarding this suspicious account. I filed this report to the best of my knowledge.

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 2020-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Someone took my information when I got robbed cause false info to appear on my credit making it hard for me to find opportunities such as leasing getting a car Ive been a victim of identity theft but was took young with little knowledge to file a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Note to file XX/XX/2020 Today XX/XX/2020 I received message from XXXX my check had been returned .. 
so I check it was my Mortgage payment in the new amount of {$880.00} So statement said new amount normal payment $ XXXXapprox. 
everything was good.til I received notice I called spoke to Agent XXXX..XXXX  He told me couldn't speak me due to no Consent form from my attorney XXXX XXXX ( XXXX XXXX XXXX XXXX..email my request to his assistant XXXX forward the following Debtor : estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Lender : PHH Loan # XXXX ( f ) XXXX XXXX XXXX email : XXXX consent need to request resolution/payments etc XXXX XXXX Widow of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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:
show tooltip button XXXX XXXX XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute FILED FTC AND CFPB 45 DAYS AGO

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 2020-05-27 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:
show tooltip button XXXX XXXX XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute FILED FTC AND CFPB 45 DAYS AGO

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 2020-05-27 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: VA

Complaint narrative:
I applied for a business loan with a company called XXXX. They asked me for business banking statements, and then offered me a loan at 80 % interest APR. They said the reason was due to " my personal credit score being below 500. '' Our business is a separate XXXX XXXX ( XXXX  ). 

I never gave this organization the authorization to access my personal credit report. I was never asked, and never told that my personal credit would be accessed. 

They violated my trust and accessed my credit file without permission, and now have caused my credit score to go down further, having done a " hard pull '' of my credit report from XXXX  and TransUnion

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 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: OH

Complaint narrative:
IQ Data called me today XX/XX/2020. The representative did not properly verify who I was before going into detail or give a balance for the account in there office. I was confused. Then when I asked to set a payment arrangement I was told no because I wouldnt qualify and need to pay in full. The collector told me this would negatively impact my credit report. Also I tried to dispute a portion of the balance which show refused and said to have the original creditor refund me after I paid them? I asked for a manager who did nothing but threaten me the whole time. I offered XXXX a month on the balance of XXXX he refused and said I would be sued if I dont pay in full now. I tried to make a payment today of XXXX and then XXXX starting next month until the balance is paid other then a small amount I wanted to dispute. He told me no and told me to mail in a payment. The manager flat out told me they were coming after me if this debt wasnt paid in full today or this month. These are abusive and aggressive collection tactics and I told them that. They didnt care. I requested no more calls and valuation of debt. They are impossible to talk to and I have no idea how I will begin to pay this because they refuse to work with me in any way beside XXXX in full. Please help!

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 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I received a collection notice from Paragon Revenue Group regarding a medical bill I never received from the hospital. I never had an opportunity to reach out to the hospital with questions. not sure if I owe them money or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: FL

Complaint narrative:
Please remove inquiries which not belong to me. I never applied for this company and never gave permission to apply for this inquiries. 
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires XXXX XXXX, XXXX XXXX XXXXXX/XX/2020 I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 

Please send me an updated credit report after you have deleted the inaccuracies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AZ

Complaint narrative:
BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN STRUGGLING TO HAVE THE XXXX XXXX XXXX FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT, MY CREDIT PROFILE, THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO XXXX  XXXX XXXX AND TO TRANS UNION TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE SENT THEM ALL REQUIRED DOCUMENTS AND PERSONAL STATEMENTS. BUT I FEEL LIKE NO ONE CARES ABOUT THE CONSUMER.

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 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX credit card reported a 30 day missed payment for the month of XX/XX/2019. The payment was actually paid a day late but it was never 30 days late. I sent all bank statements to both creditor and credit agencies to verify the payment was never missed for 30 days. I was told from the creditor it was system error and would be corrected, Months later this still has not been corrected.

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 2020-05-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used my Chase bank credit cards to pay for a river cruise this spring. The trip was canceled to to the coronavirus pandemic, and the cruise firm refunded my payments totaling {$11000.00} on XX/XX/2020. Immediately after receiving the credit, I called Chase bank credit card services and requested that they transfer the credit balance to my Chase checking account. I was told they had to issue a check rather than transfer funds. 
I happen to know that XXXX  XXXX XXXX will transfer funds for similar transactions immediately. 
I called the Chase Customer Service number XXXX three times on XX/XX/2020 and they hung up on me each time. I called the same Chase Customer Service number on XX/XX/2020 and they hung up on me twice after making me hold the second time for over 20 minutes. 
I looked up the Chase headquarters number at XXXX XXXX XXXX, XXXX, NY, which is XXXX and only connected with voicemail. I left my name and number and a brief description of their non-service, with a request for a refund with interest. They have not bothered to call me back or initiate corrective action. They are allowed to charge 15.24 % on purchases and 24.99 % on cash advances. But they have used my funds for over a month causing me to lose potential interest. They should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I started repaying my student loans after a divorce and getting settled in to a home with a steady job in 2007 when I could afford it. I was contacted by Sallie Mae to get on a repayment plan. They told me I would pay it off quicker if I had an automatic deduction from my account. I agreed. They started deductions and 13 years later I have paid them over {$49000.00} for a loan with penalties totaled less than {$32000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
Preferred CMS ( XXXX. XXXX XXXX XXXX, FL XXXX XXXX, XXXX ) has been continually robo calling my cell phone since approximately XX/XX/XXXX. On XX/XX/XXXX I sent them a certified letter ( that they signed for ) requesting that they cease and desist all communication with me and they have failed to comply. Due to all of the calls being automated robo calls, I have never spoke to a person a Preferred CMS, but if I had to guess, I would think that this is about a {$30.00} co-pay from XXXX XXXX XXXX XXXX that was billed and paid on XX/XX/XXXX. Both XXXX XXXX and Preferred CMS have received copies of the cancelled check showing that the amount and account number have been paid. I have proof that the bill was paid and proof of Preferred CMS 's acceptance of the cease and desist request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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:
I have tried for two days to contact Experian to have unauthorized requests for my credit history removed from my credit report. I have been unable to file the dispute online using either a document or the online portal or by phone. The company does not even provide an avenue for a consumer to speak to a person even in the instance of fraud and their error. I want these unauthorized notations on my credit report removed. Furthermore no company should be allowed to be run this poorly there should be an avenue where a person can get an issue particularly in the instance of fraud addressed. If this firm is going to be a member of an essential cartel and maintain private records on private individuals they need to both safeguard this information and have a viable customer interface.

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 2020-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: MD

Complaint narrative:
I applied for a mortgage loan with NVR Mortgage Inc on XX/XX/2020 and I received a conditional approval on XX/XX/2020. At the time of the approval, my credit file contained a defaulted car loan account which XXXX XXXX told me that I would not have to pay off for the approval. He said they could manually underwrite my application and get it approved. However, on or around XX/XX/2020, XXXX contacted me by phone to say that NVR had tightened the requirements for approval and they would not be able to manually underwrite the application. I contacted the car loan company and tried the make a settlement. However, they refused to settle. I told XXXX that I could not afford to pay off the debt and have money for the closing. A few days later, XXXX XXXX with XXXX XXXX called to say the my application was denied. However, instead of getting a letter stating that my application was denied, I got a letter stating that I withdrew my application. I did not. I would like my file with NVR to reflect thats they denied my application for credit instead of showing that I withdrew it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: NY

Complaint narrative:
IQ Data - XXXX XXXX {$5300.00} XX/XX/2019 I called on multiple occasions faxed in required police reports and identify theft affidavits but they still will not remove from my credit report and it is impacting me negatively Rent debt Tailor common medera {$1900.00} I called on multiple occasions faxed in required police reports and identify theft affidavits but they still will not remove from my credit report and it is impacting me negatively. 

I even confirmed with the manager of the property that this wasnt my debt and they agreed to remove it. However, when I disputed the amount through the credit bureau they are declaring it as my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
Malen is pursuing me for a debt that includes illegal late fees. The fees were charged against me incorrectly, plus interest and capitalized fees. I was also required to pay a capitalized fee that was not validated with me. I was not given a description of the amount of interest, principle & penalties and fees that were included in the debt lawsuit filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX is pursuing me for a debt that includes illegal late fees. The fees were charged against me incorrectly, plus interest and capitalized fees. I was also required to pay a capitalized fee that was not validated with me. I was not given a description of the amount of interest, principle & penalties and fees that were included in the debt lawsuit filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
Apparently Speedy Cash did not do their due diligence when issuing a loan to someone using my identity last XXXX. They sent the loan to a collection agency " XXXX  XXXX XXXX XXXX  '' which put it on my credit report as a collection. I have my credit locked with all 3 agencies and they couldn't have gotten the report to issue the loan in my name. But they have put it on my credit report dropping my credit score from XXXX down to XXXX. Now partially because of this I have on credit card ( XXXX balance ) closing because of " collections '' on my report. I have tried to resolve this issue with Speedy Cash, I have sent them the police report on file with the XXXX XXXX Sheriff 's department. file # XXXX. 
I have not had any response back from Speedy Cash, I have filed a dispute with XXXX, but XXXX XXXX has insisted that the collection is warranted. 
On one phone conversation I had with agents at Speedy Cash I found out that they have since issued additional monies to this same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This debt is apart of class action suit against XXXX and another company has bought their paper at pennies on the dollar. 

I was sold a lemon from the dealership and XXXX didn't care about it. I was making my payments on time until I began having major problems with my car. 

They showed on my credit report that all but 1 payment was on time and have continued to harass me all these years since 2016. 

Here are a few suits in the process : https : XXXXXXXX  XXXX https : XXXX  Here is another lawsuit : https : XXXX Now this new company : NCB MANAGEMENT SERVICE is doing the same thing and has reported a debt that was original with Santander Consumer USA. 

I never received anything from NCB MANAGEMENT SERVICE regarding their purchase of the note at a discount. They are a Factoring Company that buys bad debt in bulk and harass consumers for full payment amount when debt has already been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: GA

Complaint narrative:
PENN CREDIT CORPORATION - CITY OF XXXX XXXX has been paid in full and closed. I was told that this account would be removed from all three credit reports. The balance is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation