vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I applied, and was approved for an installment loan with Pentagon FCU. I have been paying down on the note for probably more than a year now. In XXXX of 2021, my employer announced potential future layoffs as the result of a bank merger. I work for a bank. I contacted Pentagon FCU and attempted to enroll the installment loan in their debt protection program. Due to a glitch in their online system, however, I was unable to retrieve the documents that I needed to sign. Rather than address the glitch, Pentagon told me that in order to properly add on the protection, they would need to " rebuild '' the loan. I went with it as I really wanted the protection. About a month later, I checked the loan details online. They raised the rate from the initial 8.49 % fixed to 12.99 %. When I contacted the company, they acknowledged the error and changed the rate back to match the terms of the original loan agreement. 
Since then, I have received a total of three requests to sign an official promissory note for their records. The issue with the promissory note is that it contains invalid information - the rate is 12.99 % rather than the original rate. And the monthly payment is therefore also incorrect. When I contacted them ( several times ) to dispute this, their resolution was to send an addendum letter, signed by a loan operations representative along with yet another promissory note for ME to sign containing the same invalid rate, payment and other calculated terms. XX/XX/XXXX, I contacted Penfed again and was told that they requested a corrected promissory note for me to sign but the request was " denied ''. I was also told that if I did not sign the invalid promissory note that they have continued to send me, they would probably raise the interest rate on the loan. 

I refuse to sign a legal document that is not correct and I hope someone at this agency will agree with me. Please address this issue with Pentagon Federal Credit Union. If the promissory note is something that they can not reproduce from the system, I would suggest that they create one manually with the correct information on it and I would be happy to sign it. Something is very wrong with this institution. I have been in banking 20 years and have never seen anything like 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 explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.6

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The amount said owed of {$190.00} as of XX/XX/2021 is wrong. I was never made aware from the auto insurance company that I would owe this money as I canceled the contract of my auto insurance policy within the first 32 days of having it. I was also never made aware of the jump in my 6 month policy increase according to this company. They told me at the time that my monthly insurance quote was going to be roughly {$100.00} a month, and then I was charged that for the first month. Then proceeding that month I was charged 30 days later, over {$250.00} a month. They never made me aware of my dramatic increase in the policy and then when I told them I was going to cancel I suppose they put it into collections. Never was I made aware of the premium being sent to collections. I was only aware that this amount was sent to collections afterwards once collections notified me of the charge. I tried to dispute it at this time but could not because the letter was received by me after the 60 day time to file a grievance about what occurred.This account is falsely on my credit and I would like it removed as soon as possible. The company does not even have my correct data on file which goes to show that they are not on top of what is going on with this debt.

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 2021-07-09 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Had 17 fraudulent charges made to my Chase XXXX XXXX card from XX/XX/XXXX to XX/XX/XXXX for a total of {$1000.00} dollars from a company called XXXX. I cancelled the card and was given a replacement one. Initially they reversed all charges but later reinstated them and told me they were valid charges, which they were not. 

I have never done business with XXXX and never will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -CAPITAL ONE BANK USA NA XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX/DEPT OF ED XXXX  XXXX XXXX/DEPT OF ED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
We ( wife & I ) filed ChapterXXXX XX/XX/XXXX only account in CHAPTERXXXX IRS, Hyundai Finance Co. ( auto loan XXXX XXXX was outside paid direct. On credit report/history Hyundai lists account closed/chapterXXXX or charge off. 36 months no payment history! ChapterXXXX discharged XX/XX/XXXX. Court has vehicle direct allowed claim {$25000.00} we have made 48 payments see payment history, credit bureau 's not reporting all disputes filed no corrections 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 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: GA

Complaint narrative:
In XX/XX/2021, XXXX updated that my account was closed ( see attached ). I thought they had closed my account as a result of me consulting a lawyer to request that i exit the contract based on deception on their behalf. Therefore, I thought that this account was closed and XXXX had stopped collecting. However, on XX/XX/2021, XXXX reported to the credit bureaus that I was 30 days past due on this account. This was highly confusing and misleading since they had reported that this account was closed. Thus I made a payment to bring this current up to date. I am submitting a dispute on my credit report on the basis that this account is reporting closed at one of the credit bureaus but yet XXXX is still collecting and also on the basis that the balance is incorrect, because this account is now current. I have attached all of the supporting documentation to support my claims above. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current immediately due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting.

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 2021-07-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2021, XXXX updated that my account was closed ( see attached ). I thought they had closed my account as a result of me consulting a lawyer to request that i exit the contract based on deception on their behalf. Therefore, I thought that this account was closed and XXXX had stopped collecting. However, on XX/XX/2021, XXXX reported to the credit bureaus that I was 30 days past due on this account. This was highly confusing and misleading since they had reported that this account was closed. Thus I made a payment to bring this current up to date. I am submitting a dispute on my credit report on the basis that this account is reporting closed at one of the credit bureaus but yet XXXX is still collecting and also on the basis that the balance is incorrect, because this account is now current. I have attached all of the supporting documentation to support my claims above. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current immediately due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: GA

Complaint narrative:
In XX/XX/2021, XXXX updated that my account was closed ( see attached ). I thought they had closed my account as a result of me consulting a lawyer to request that i exit the contract based on deception on their behalf. Therefore, I thought that this account was closed and XXXX had stopped collecting. However, on XX/XX/2021, XXXX reported to the credit bureaus that I was 30 days past due on this account. This was highly confusing and misleading since they had reported that this account was closed. Thus I made a payment to bring this current up to date. I am submitting a dispute on my credit report on the basis that this account is reporting closed at one of the credit bureaus but yet XXXX is still collecting and also on the basis that the balance is incorrect, because this account is now current. I have attached all of the supporting documentation to support my claims above. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current immediately due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting.

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 2021-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I called in to speak to a rep and see why 2 collections accounts had not been removed from my credit report, although the company had requested the removal of those accounts TWICE. The rep told me that the accounts had been verified and would stay on my credit report for 7 years. I explained the situation to the rep regarding what I was told about the debts needing to be manually deleted, and the rep refused. I even tried to offer the control numbers given to me by the company and the rep refused them stating the company had to send them something in writing, which they did, TWICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rent Recovery Solutions
State: KS

Complaint narrative:
Hello, I received a message from a family friend today that they had been called by a debt collector in regards to my old apartment complex.

I tried to call the company in regards to this and yes I was rightfully angry but I was in no way threatening. They proceeded to hang up on me and not answer any other call attempts. I did leave 1 voice mail apologizing for my attitude and 1 requesting a call from a manager due to the violation of the fair debt collections practices act.

I have received no call back and no confirmation that this matter will be handled.

The debt collector not only told a 3rd party they were a debt collector but also what kind of debt it was and who the client was.

I never even had a chance to handle this matter with them to begin with. I had just received their first communication letter in the mail yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TX

Complaint narrative:
Hello, Having received a {$27.00} charge from TU *TRANSUNION that I did not recognize, I called my bank and initiated a dispute, and found out that I actually was charged twice ( {$54.00} ). The credit card was cancelled and the dispute initiated. I only have a free account with Transunion that I use to freeze and un-freeze my credit to add security. However it looks like the credit bureau found a way to charge for unsolicited services, which is clearly a scam. 
I called Transunion to investigate and was told that I enrolled in a credit monitoring service. I told the person on the phone that I did not request nor enroll in any service, however he person did not listen and insisted requested the service, which I did not. 
I believe Transunion is scamming customers. 
Can you please help me by sharing what you can do from your help me and other consumers to prevent this kind of fraudulent practices? 
Thanks in advance. 
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 monetary relief
Consumer complaint received 2021-07-09 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: Rozlin Financial Group, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, ROZLIN FINANCIAL GROUP, INC sent a letter and added a derogatory mark on my credit report, per XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. The Debitor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone can send a bill and say that it mines. According to the FCRA, ROZLIN Financial Group.Inc, has valid my rights as a consumer and I'm am requesting LEGAL ACTION to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have reported Navient in the past. This week my student loans ( both Federal and Private ) with Navient have come up due for payment as my deferment/forbearances just expired. They start calling at XXXX XXXX  and continue to call every 30 minutes from different numbers in an auto redial fashion. I am at work at a XXXX and my job can not be interrupted repeatedly every day in this manner. They are not even leaving a voice mail just continuously calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
ive revoked payment authorization and wells fargo refuses to listen to.

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 2021-07-09 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: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -DIVERSIFIED ADJ SVC XXXX XXXX -XXXX/DEPT OF ED # XXXX -XXXX/DEPT OF ED XXXX XXXX

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