vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 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: TekCollect Inc.
State: FL

Complaint narrative:
I have this company listed twice on my credit report as owing {$220.00} and {$220.00}. I have no relation with this company and have never received nor applied for credit with this company. 

1. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Amount {$220.00} 2. Tek Collect Inc/ XXXX XXXX XXXX Amount {$220.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: TekCollect Inc.
State: FL

Complaint narrative:
I have this company listed twice on my credit report as owing {$220.00} and {$220.00}. I have no relation with this company and have never received nor applied for credit with this company. 

1. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Amount {$220.00} 2. Tek Collect Inc/ XXXX XXXX XXXX Amount {$220.00}

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 2020-06-24 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: NC

Complaint narrative:
I opened the account in XX/XX/XXXX. I never missed a payment as they withdrew from my checking account. I paid the account in full on XXXX XXXX. As of XXXX XXXX the account still states I owe {$970.00}. XXXX has not reported accurately ( every 30 days ) according to Transunion. I have disputed this through Transunion 3 times and I am still getting the same results. In the process of disputing with Transunion, I also contacted XXXX on several occasions ( speaking with management ) asking why this has not yet been reported. They explain that the information has been submitted to Transunion correctly and in a timely manner. XXXX also stated I need to contact Transunion as they are not reporting correctly. As of XXXX XXXX I contacted both companies to see if any changes have been made. The results are still the same. Still showing I owe {$970.00}. I only received a loan for {$1000.00}. The difference is {$78.00}. So when other creditors look at my credit report, it shows I have only paid {$78.00} since XX/XX/XXXX. That is 8 months ago. I have exhausted all my options. I have contacted Transunion filed 3 disputes, I have contacted XXXX XXXX to many times to count and still the same results. I value good credit and pay my bills on time. This is very stressful knowing its paid on time, paid in full way in advance and hoping to raise credit score. As a consumer, I should not have to go this extreme when I agreed to my obligations and kept my obligation!! I bet if I would have ever been late or not paid I bet that would have been reported!! Thank you, please help this is my last resort!!!

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 2020-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
When I was a minor ( about XXXX years old ), I received care from a local XXXX in the XXXX Ohio region by the name of XXXX XXXX. Under the arrangement, I would go to XXXX appointments and they would bill my parents for the appointment. About a year and a half ago ( at which point I am XXXX years old, which is a few years after I stopped going to the XXXX  ) I noticed on my credit report a debt in collections. I called the collection agency and found out the debt was sold to them by XXXX XXXX. I knew this could not be legally my debt as I had never signed any agreement with XXXX XXXX to bill services in my name ( which is essentially opening an open-end credit account ), I never received statements from XXXX XXXX notifying me of the debt and its balance, and I was not of legal capacity to contract as a minor. After I found this out, I immediately sent a letter to both XXXX XXXX and the collection agency requesting debt verification. While the collection agency did confirm that they could not verify the debt and ultimately deleted the account, I never received any response from XXXX XXXX. About 6 months later or so, my brother calls me asking how to handle a debt in collections, and I find out that XXXX XXXX sold the exact same debt amount to the exact same collections agency and put it under my brother 's name instead ( and I don't even think he went there ). Regardless, XXXX XXXX is flagrantly violating TILA, FCRA, and other credit regulations related to the transparency, disclosure, and authorization of debt. When confronted by consumers about their violation of the law, they choose not to respond to the consumer, and instead try to pass off their faulty debt to a different party altogether. I believe it is in the best interest of all current and future consumers in a financial relationship with XXXX XXXX that their credit, billing, disclosure, and authorization practices are audited to ensure compliance with all applicable federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had an outstanding balance with Citibank for {$680.00}. It was being reported to all three bureaus as {$680.00}. When I called Citibank to pay the debt, I was told the statue of limitations for collections had passed. I was further told that any payments that I made would be " courtesy '' payments. I then asked if the account should even be reported to the credit bureaus. I asked if the account was reported to the IRS as a charge off. I was told it was not. I confirmed that the payment amount that I owed was {$680.00}. I was told I could not pay over the phone or the web, but that I had to send the payment in. I sent in a payment for {$680.00}. I called back to secure a XXXX balance letter and I was told that I had a balance of {$0.00}. I sent in the payment for {$0.00}. The payment cleared my bank account, however, they still told me I owed the {$0.00}. I was later informed the {$0.00} was applied to someone else 's account. I was then told that I had to wait 10 days for the money to be applied to my account. I requested a zero balance letter, as the check had been cashed. I was denied. I was told I had to wait 10 days for the transfer of funds and I had to wait 15 days from the date the check was cashed prior to them providing me with a XXXX balance letter. Currently, they are incorrectly reporting a balance on my credit report. They have refused to quickly rectify the situation. They have denied me from talking to anyone besides the floor supervisor.

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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was double charged XXXX by TransUnion for a subscription I did not want. I just wanted to check my credit score with them and that's it. Please let them know how displeased I am about this.

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 2020-06-24 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: AZ

Complaint narrative:
I saw a loan open in my credit redit report, with Experian. I disputed it w Experian and sent an email to XXXX XXXX  on their website, never heard anything back from the bank and Experian told me it was accurate, never did I receive a loan, one reason I have terrible credit, second reason I am in Arizona n why would I get a bank loan from XXXX, third I've been trying to get approved for even XXXXdollars and still denied. Fourth why do I not have a document concerning that loan, fifth how does Experian know it's accurate was it in my name, my address my account, I've been shown nothing and last why am I pushing this dispute this far? Obviously there is a problem. I never got a copy of the email because it was on their website, I tried looking in my email and the address comes up but says no documents. Strange the address comes up but not the email.

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 2020-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
In early XXXX, I received a collection letter from United Collection Bureau attempting to collect on a debt owed to XXXX. I paid it right away because I was concerned about being sued ( see attachment showing payment of {$98.00} on XX/XX/XXXX ). 

I then received a bill direct from XXXX requesting payment. I didnt realize it was for the same debt so I went ahead and paid it ( see attachment showing payment of {$98.00} on XX/XX/XXXX ). 

Around XX/XX/XXXX I realized my mistake and called XXXX. The employee told me they did received the payment and it was sent to United Collection Bureau because that is who they sold the debt to. 

I then called United Collection Bureau to request a refund of my overpayment. An employee there told me the debt WAS NOT sold to United Collection Bureau and that it was only assigned to them for collections. She said that they did not receive my payment from XXXX, but if they do they would refund it within 30 days. 

It has now been more than 30 days and I have not received a refund for my overpayment. XXXX states the debt was sold to United Collection Bureau and United Collection Bureau states XXXX owns the debt. I dont even know who I can contact at this point. I just want my overpayment refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I received an email from XXXX XXXX ; XXXX requesting that I settle a debt that I've paid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX The settlement offer that was agreed upon was {$150.00}. 
I received another email requesting money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i paid my debt to XXXX XXXX XXXX, XXXX and i got a recipt for it i made a dispute to experian but it remain i dont know why y sent the recip of my payment to them

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 2020-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Ive been working on getting a loan from QuickenLoans. They advertise 30-45 days to close a loan. I was and have proof that everything they asked for like loan documents pay stubs w2 letters and just everything was given to them super quick. They would ask for extension on top of extension. After going thru every possible channel i finely lost control and gave up on the loan. I have earnest money appraisal but the amount of stuff they kept asking for got so bad because was already given over and over and over my bank threw up their ya dx and they did not know what QuickenLoans wanted. The loan has taken over 3 months to close. Today I signed and I still feel like there is a way that QuickenLoans will XXXX it up. Thats how terrible they are. QuickenLoans has extended my loan so long that I almost lost the house we wanted. 
They XXXX and should not be in business because they cant to their one and only job. They made purchasing a home the most miserable process and I will never deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I was denied a line of credit which has NEVER happened to me - the report ( s ) pointed me to the fact that this particular / notorious company had put a mark on my credit over 5 years ago for an erroneous debt that their 'customer '' has nothing to do with in the first place - they have been called, written a letter ... written a CERTIFIED letter because they IGNORED the first one ... yet they still refuse to fix this problem - I rented a townhouse DIRECTLY from the owner/landlord - I lost my health then had money problems - moved out - owed rent - he ended up getting it all and his attorney filed a SATISFACTION of JUDGEMENT in XXXX - Their " customer '' who tried billing me for that SAME RENT ... sent their " bill '' to this notoriously corrupt and shady collection service in XXXX who used to have a different name for YEARS and had to change it to try to elude people in the area away from their terrible reputation - you can find PLENTY of online complaints and forums where people say the same thing I'm saying which is they claim debts they are NOT entitled to - Their " customer '' is a property management whatever that's responsible for the EXTERIOR / COMMON AREAS and NOT any tenants ' rent - Their " customer '' is The XXXX XXXX in XXXX XXXX PACIFIC CREDIT SERVICES in XXXX California USED to be CREDIT BUREAU ASSOCIATES XXXX I lived in XXXX  for 27 years - I heard PLENTY of horror stories about this place - their name changed but their practices have not - Next comes an Injunction suit including Compensatory and Punitive damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 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 have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had 16 name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX XXXX XXXX SYSTEMS I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES 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 2020-06-24 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am writing this complaint to report an authorized charge that was re-billed to my account. 

I had two unauthorized charges for the same amount ( {$98.00} for each ) placed on my Chase Freedom Unlimited credit card ( credit card XXXX ) on XXXX XXXX, 2020 ( See Appendix # 1, see also Appendix # 3 ). I noticed these two unauthorized charges on XXXX XXXX, 2020, and I immediately called the Bank to report these two unauthorized charges ( See Appendix # 2 ). The representative who answered the phone told me that the two charges were placed in person in XXXX XXXX, Kansas, where I have never been there. I said to them I've never been there, and these charges were reversed ( See Appendix # 1, see also Appendix # 3 ). The Bank shipped a new card to me in order to avoid further fraudulent activities. I was satisfied with the resolution at that time. 

However, on XXXX XXXX, 2020, I noticed the two unauthorized charges for these two fraudulent activities were re-billed on my statement ( See Appendix # 1, see also Appendix # 4 ). I am confused about why this happened, and I called on next Monday ( XXXX XXXX, 2020 ) ( See Appendix # 2 ). However, the Bank told me that their " fraudulent investigation team '' was not there, and they said they would give me a callback, which I never received. I am unsatisfied with their resolution because I reported the two unauthorized charges, and it should not be re-billed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
This is not my debt, I don't know whose debt it is and now after 11 years it is coming back to me again!! NOT MINE!!! GET IT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: TN

Complaint narrative:
I recieved a netspend prepaid debit card that i did not request. The card came in the mail already printed as if i signed up for it. I beiueve that my information was used with out my permission. Refer to the attachment. NETSPEND shows that i did not submit any information, because when i called in they asked me for my SSN

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 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I am trying to connect my account to XXXX and PNC will not let me connect my account and it doesn't look like there is any other way for me add money. This happened a few months ago with XXXX, another investment app, and I keep being told that I need to invest but PNC doesn't seem to want me to invest and I'm getting fed up with this! It doesn't even connect to my XXXX anymore. This bank is feeling a little out of touch with how people are using their money in this day and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I have contacted Enhanced Recovery Services located at XXXX XXXX XXXX | XXXX | FL | XXXX over 50 times starting XXXX XXXX to present to delete a negative credit reporting on a fraudulent XXXX account. On XX/XX/2020 XXXX issued a letter of deletion to the bureaus and directed ERC to remove immediately as it was under ERC name. XXXX is no longer a client of ERC and therefore I was not required to pay ERC any money. I have also requested a full refund but have not heard or received anything from. As if this date, the negative reporting is on all 3 bureaus. I have tried to contact their corporate office called The Office Of The President but it goes straight to voicemail after 15 attempts. I am in escrow since XX/XX/2020 and this has caused a severe delay in closing my loan and is causing me a financial hardship, as well as a low credit score affecting my loan approval.

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