vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I got a phone call from IQ Data International in an attempt to collect a debt this morning XXXX XXXX at XXXX XXXX regarding a {$250.00} charge that I owed to XXXX at XXXX XXXX XXXX. I was a resident at XXXX ( Located at XXXX XXXX XXXX  XXXX XXXX, XXXX, Ca XXXX ) for a period of 13 months, and moved out on XX/XX/2020. According to IQ Data international, I owe {$250.00} to XXXX and now my account has been sent to IQ Data to be collected. I had already contacted the XXXX at XXXX XXXX XXXX management about this matter on XX/XX/XXXX asking them to call me back because I disputed the charges and did not understand the charges. XXXX has wrongfully charged me for 1 day extra on that bill, claiming they did not get the keys from me until XX/XX/2020. Also, they claim that I have not returned all keys to them so there is a lost key charge ( {$50.00} ). There are some additional charges on the account that I  was never told and I never agreed on when I had the manager over for the final walk through of my apartment. 
XXXX management has changed multiple times during my 13 months stay, and there is always a mismanagement of that place. XXXX owes me {$1500.00} for a client referral and has not paid me as of today. They referred my account to IQ Data International and this company called me this morning and the guys were super abusive on the phone. They were yelling and threatening me to pay or they will hit my credit asap. I told the guy I disagree with the charges and I am disputing and he started raising his voice and started became very hostile and abusive. Then I asked for a manager and XXXX came on the line and he was even worse than the first guy. Raising his voice yelling and threatening he will hit my credit and I must pay now. I told him I will be going to the XXXX to resolve the issue and he said they wont see me or they wont talk to me, which was not true. I went in and tried to talk to the new manager and they are gon na look into my case.

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 2020-10-14 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: SC

Complaint narrative:
I have tried numerous times trying to get these address remove off my credit report and it seems that it wouldn't come off. so I'm gone attach my lease so you can see I been staying at one address all my life basically.

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Fraudulent activity has been occurring ever since the XXXX data breach and I need help resolving with the Issues. I have attached a police report and I have disputed the items with the credit bureau.There is incorrect information on my credit report. My correct info is on the police report. My mailing address is XXXX. XXXX XXXX XXXX Ohio XXXX, my phone number is XXXX. Thanks

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. IT HAS YET TO BE SETTLED. I SENT MULTIPLE DISPUTES INCLUDING FACTUAL DISPUTE. 

INTIAL DISPUTE : XX/XX/2020 30 DAY DEMAND : XX/XX/2020 FACTUAL DISPUTE : XX/XX/2020 FACTUAL DISPUTE XXXX : XX/XX/2020

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. IT HAS YET TO BE SETTLED. I SENT MULTIPLE DISPUTES INCLUDING FACTUAL DISPUTE. 

INTIAL DISPUTE : XX/XX/2020 30 DAY DEMAND : XX/XX/2020 FACTUAL DISPUTE : XX/XX/2020 FACTUAL DISPUTE XXXX : XX/XX/2020

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delta Management Associates, Inc.
State: MI

Complaint narrative:
This company is still attempting to collect a debt that was paid. They are still contacting, sending threating remarks through phone calls.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
XX/XX/2020 I received an alert that unknown account from Jefferson Capital Systems was reported to my experian credit file. I have been a victim of identity theft and have zero knowledge of the debt in question or the company reporting it. I have included a copy of my police report of previous crimes against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In XX/XX/2020, I was shopping for interest rates on a used vehicle loan. In doing so, I submitted an automotive loan application to Pentagon Federal Credit Union XXXX PenFed XXXX, among several other financial institutions. Other than a loan application, I did not execute, nor intend to execute, other loan documents, including a promissory note, with PenFed. Subsequent to the loan application being submitted and approved, and without executing other legally enforceable loan documents, PenFed added the auto loan to my PenFed account and began enforcing the loan without authorization to do so. While enforcing the unauthorized loan, PenFed began drafting the monthly principal and interest payments from my checking account through an unrelated third-party financial institution, which was included on my account to service my PenFed mortgage note. In addition, PenFed incorrectly reported the unauthorized auto loan to the credit reporting agencies, which adversely affected my credit score and ability to obtain credit. 

I am highly concerned that PenFed is recognizing unauthorized loans ( and loans in which PenFed does not have an enforceable right to collect on ) in their credit lending portfolio and thereby adding unauthorized loans to consumers accounts and credit reports without their knowledge after a consumer applies for a loan.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It is about Kohl 's reporting. They reported late payment to the credit bureau. 
Purchased several items on XX/XX/XXXX XXXX order # XXXX XXXX I receive the latest item on XX/XX/XXXX. 
Value {$100.00}. Not sure what was the due date for the cc payment ( i have only access to the last XXXX statements through their website XXXX, probably somewhere around XX/XX/XXXX. That is the date on other statements that I have access to. 
I contacted them in XXXX just after the mandatory store closing around XX/XX/XXXX. 
I was asking about returns. I wanted to return most of the items but the store was closed. I was told by customer service not to worry. I can do that after reopening. No one knew at that time how long the stores will be closed. No one told me that I have to pay the balance at that time. I assumed that because we were in a special situation Covid 19 that everything works different way at that time. 
I understood that I don't have to do anything at that time. 
In XXXX XXXX around XXXX ) I was planning to buy some more items from the store I called them and I learned that I have an unpaid balance and that they are charging me extra fees for that. I explained the situation. I was told that I have to pay the balance and everything will be taken care of. Paid the balance and the fees were credited to my account. 
But after a few days, I have learned that they posted late payment to the credit bureau. Because of that my credit score from over 800 went down to XXXX. 
I was told by the Credit Bureau to contact Kohl 's to reverse that. Kohl 's refuse to do that! 
I think that I was treated unfairly. I was doing what I was told to do by their customer service. It was an unusual situation because of Covid 19 and the credit reporting should be reversed! I returned the purchase items in XXXX after they reopen the stores. It was my first and the only one late payment in my history!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
The company discriminated against me! I sent in requested documents! Received different feedback every time I called. Was told that I wasnt important as other callers were waiting on hold to be assisted! They never sent an official denial letter. They told me that my appeal wasnt honored and wasnt going to be reviewed after advising me of the option. False and misleading information was reported to the credit bureaus! I never spoke to the appeal department or department that actually processes the applications even though I requested to do so! All calls were recorded to reflect inconsistencies!

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening. Hoping that you could help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXXXXXXXXXX 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 2020-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
Flagstar stole my home!! The company approved for me to sell the home multiple times to avoid foreclosure after I lost my job. I had a closing date and moved it several times after they came up with excuse after excuse to keep me from selling the home. Now I have a foreclosure on my credit. The company acted in bad faith with high interest rates, fees, and lies over the phone about helping me to keep my home.

Flagstar approved the sale of my home in writing to avoid foreclosure. Then they sent multiple letters saying documents were missing. The same documents were sent multiple times. I experienced multiple delays and was promised that everything was in order right up to the day of foreclosure. They approved and then disapproved the real estate agent without explanation. I asked to appeal and they said they would have someone call me, but they never did. So, I got a new agent and they said they were processing approval for the sale to a different buyer, then delayed and never processed. Even though customer service said they did, nothing was done. I spoke to agents, supervisors, and everyone I could to no avail!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following 4 creditors/payee below are showing up on my credit report. I am confidently sure I do not have an existing account with these companies. To confirm I called all of them and they confirmed I do not have any loan or existing debt under my name and Social Security #. Kindly help remove them on my credit report ASAP as this is affecting my loan approval to refinance my mortgage. 

XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/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 2020-10-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As notified before, I am a victim of identity theft, and again I am attaching my Identification and a copy of my Social security card along with my FTC report

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: CA

Complaint narrative:
The following 4 creditors/payee below are showing up on my credit report. I am confidently sure I do not have an existing account with these companies. To confirm I called all of them and they confirmed I do not have any loan or existing debt under my name and Social Security #. Kindly help remove them on my credit report ASAP as this is affecting my loan approval to refinance my mortgage. 

XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX  XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following 4 creditors/payee below are showing up on my credit report. I am confidently sure I do not have an existing account with these companies. To confirm I called all of them and they confirmed I do not have any loan or existing debt under my name and Social Security #. Kindly help remove them on my credit report ASAP as this is affecting my loan approval to refinance my mortgage. 

XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/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 2020-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My loan was sold to a new bank. I've always paid my own taxes, homeowners insurance and flood insurance. Tha transfer took place two months ago from XXXX XXXX to p n c. I called both my flood and homeowner companies notifying them of the new lender. The new lender sent me a statement indicating my flood insurance is now escrowed and quoted me a federal law indicating they have that right. I have paid my own flood, homeowners and taxes for years. This doesn't seem right. I never agreed to it and my previous lender was okay with me paying everything without an escrow. I was not in control on the loan being sold. What can I do.

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: CA

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening. Hoping that you could help me out. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX 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 2020-10-14 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: CA

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening. Hoping that you could help me out. 

XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft

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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have serious problems with addresses on my credit report that I have never lived at showing on my credit report! Please remove these unknown, unrecognized addresses. The following addresses are not accurate please delete : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SQUIRREL XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I have a new job that I am applying for and this information on my file needs to be corrected. 
I noticed that there was an account from XXXX XXXX XXXX  # XXXX I have never done any business with this company and I know this information is inaccurate. Please delete this account at once. I have requested documents for this account without any response back. This is an error. 
Please remove the name XXXX XXXX XXXX and XXXX XXXX that is not my name.

Company response to consumer: Closed with explanation