vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close Synchrony Bank  HHGregg   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than  two  payments past due  ( 2 )   - SYNCB/HH GREGG    XXXX   XXXX    2017   SYNCB/HH GREGG has flagged your account as Not more than two payments past du e  ( 2 ).    Alert Type : Potentially Negative Found On :      XXXX   XXXX       2017  Potentially Negative Alerts notify you when one of your accounts has reported information that  may  negatively impact your  credit score.      Balance spoke to  XXXX  last payment made- way  XXXX    2017  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager w ho I relayed my request for resolution! I finally Reached  XXXX  a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.

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 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NC

Complaint narrative:
On    XXXX   XXXX     2017  I faxed a letter requesting validation of debt under my name and social security number, bearing a contract signed by myself in agreement to pay the debt owed. I received a letter from said collection agency stating they have validated the debt using a past due bill. I have no contract, no dealings, with the collection agency. The bill is not proof of contract to show that I entered into any obligation with the company and I have proof that I was not associated with the address listed on the bill sent as proof of " validation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My loan was transferred from Mohela to  XXXX   XXXX   XXXX . I always question why at Mohela my principal would never go down even when I paid upto {$100.00} more? Then when it was transferred I had the same problem with  XXXX . I made several inquires but was told that interest was satisfied first they would go around and around about I have a 25 year loan and I must pay fro 25 years. I told them that this was a simple interest loan and why was the overage in my payments going to principal? They told me they just pay ahead interest because it is a 25 year loan. They do this to all student loans. This is not right as all student loans are simple interest as with mine as they must follow certain guidelines set forth by the Department of education. As with my loan it states I can pay as much as I want over the minimum payment and this will reduce the length of my loan as overage of my minimum payment will go to principal including no pre-payment penalty I believe this practice is on going with in both Mohela and  XXXX   XXXX   XXXX  in fact I believe they train their customer service agents to convince all borrowers that all we can do is pay ahead  interest. If 100,000 's  of student are experiencing what I have these is so dishonest that student will never get ahead and be able to pay off debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I had an overdrawn account with XXXX XXXX who left the account open and still overcharging me for hundreds of dollars for it. They called PNC Bank and told them not to give me a debit card which is catastrophic to me as I am going back to New York with {$5000.00} cash to live outside as I always did for 25 years facing XXXX at night as I was XXXX and XXXX at night in both XXXX XXXX as well as XXXX XXXX, my hometown as I was sleeping outside. I tried to sleep with my old father at the ATM in XXXX, just to survive when the wind chill was below zero and the police illegally XXXX me and my father in 1999 for XXXX XXXX. I still have a XXXX XXXX in XXXX County, but have to return there for survival. Now, since I have a criminal record I am being discriminated in both of the two banks PNC and XXXX XXXX who did this once before by keeping the account open make it impossible to get a debit card. It is dangerous for me to go to NY with {$5000.00} cash but I have no alternative to this and no bank will offer an immediate card for my traveling except XXXX XXXX in XXXX XXXX, NY but I am in XXXX hoping to go to XXXX so how will I do that as far as holding the money without a debit card where I pay for all my purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result 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 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SKO Brenner American, Inc.
State: MO

Complaint narrative:
Two people one saying they were calling from " XXXX XXXX XXXX '' and another from " SKO Brenner '' repeatedly call my minor child to collect a debt she does n't owe. To make matters worse they call her at school during her final exams in violation of the FDCPA. They 've also called myself, her mom, who also does not have any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: WA

Complaint narrative:
This car loan has been on my credit report over  7 t o 10 years and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Our mortgage for an investment property was with  XXXX   XXXX . We recently had some financial difficulties because my wife was on   XXXX   XXXX    XXXX  and I ended up having to have emergency   XXXX    XXXX , as well as the fact that work needed to be done on one of the units and it meant that we were not paid for sufficient rent for almost 3 months.      XXXX   XXXX  sold our mortgage to Shellpoint Mortgage. We made arrangements to send them a payment which they promptly sent back. When i called to find out what was wrong ( thinking I had put the wrong account number, etc .... on it  )  I was told that the amount paid was not enough and they would need at least 3 months of payments from us before they would accept  one  dime for us. I repeated what I had heard. I am trying to pay what money I do have to bring us closer to being up to speed ( which I intend to be but just ca n't right now  ),  and I was told that it did n't matter if I sent them money - they would not accept it. They wanted the equivalent of 3 months of payment or they would send our close into foreclosure. When I asked to speak with a manager I was given the same line. I tried to explain the extenuating circumstances and was told they did n't care. I have money to send them. Not as much as they would like but I have money to send them. Every month they do n't take my moneyt they want yet another month 's payment to bring my account current. I am stuck in a catch 22.     I am not in a situation where I can do a short sale. I have plenty of equity, but I ca n't get up to speed because Shellpoint wo n't take any of my payments - therefore putting me farther and farther behind.     Do I have no recourse in this situation?     Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX   corrected my payment history on all accounts with them they took all delinquent payments off. Transunion took the delinquent payments off but keep putting them back on there I contacted them due to the issue and they wo n't fix it I will provide picture proof with this complaint

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 2017-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient has claimed to accrue Capitalized Interest  more than once in    2013   (  {$1700.00}  ) ;  however, the principal of my account continues to increase. Their practices have only increased my monthly payment and have made it nearly impossible to pay off the student loans.     My account summary states that no recent interest has been capitalized and the account remains in good standing, but the principal of the remaining outstanding balance is nearly the same {$23000.00}.     The current amount due has increased at least twice over the life of the loan, yet the balance remains the same. I was forcibly recommended to admit forbearance in  2013  and only wish that this company stop harassing me to continue along this path, making it impossible to pay back the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: FL

Complaint narrative:
I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close XXXX XXXX XXXX XXXX XXXX XXXX XXXX has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to XXXX she confirmed I was paid through XXXX. I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus. <P/>Not more than two payments past due ( 2 ) - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has flagged your account as Not more than two payments past due ( 2 ). Alert Type : Potentially Negative Found On :XX/XX/XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. <P/>Balance spoke to XXXX last payment made- way XX/XX/XXXX. Paid up through XX/XX/XXXX. Confirmed. I then asked for an acct manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who I relayed my request for resolution! I finally Reached XXXX a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.

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 2017-05-22 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: FL

Complaint narrative:
I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than two payments past due (  2  ) -  XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX  has flagged your account as Not more tha n two pa yments past due ( 2 ).   Alert Type : Potentially Negative Found On :    XXXX   XXXX   XXXX   Potentially Negative Alerts notify you when one of your accounts has reported information that may ne gatively impact your credit score.     Balance spoke to  XXXX  last payment made- way  XXXX    XXXX  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who  I relayed my request for resolution! I finally Reached  XXXX  - a  Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: FL

Complaint narrative:
I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than two payments past due (  2  ) -  XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX  has flagged your account as Not more than  two  payments past due (  2  ).   Alert Type : Potentially Negative Found On :   XXXX   XXXX   XXXX     Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your  credit score .     Balance spoke to  XXXX  last payment made- way   XXXX   XXXX    Paid up through  XXXX . Confirmed. I then asked for an acct manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a  manager  who I relayed my request for resolution! I finally Reached  XXXX  a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.

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 2017-05-22 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: TX

Complaint narrative:
Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: TX

Complaint narrative:
Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result 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 2017-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX XXXX, 2017 I contacted Capital One Credit Card because my card was assessed a fee of {$39.00}. I was informed the fee was for the annual membership in which I denoted I did n't want to pay someone to spend my money. I was transferred to a Supervisor and she supposedly upgraded me to a new card. I initially had the XXXX XXXX card but inquired about a card that would give me mileage and rewards. The Supervisor did n't know of all the rewards with the mileage card but stated I would not have a fee. In addition, she gave me a promotion to reduce my interest. On XXXX XXXX 2017 I contacted Capital 1 and spoke to representative XXXX regarding receiving multiple credit cards one card was a Venture Rewards card and the other card was a XXXX XXXX. I advised the agent that I 'm suppose to have a Venture Rewards card that is accumulating miles and cash rewards. I told her I was upset that all the cards were being mailed given I was the victim of identity theft. On XXXX XXXX 2017 I spoke with representative XXXX XXXX to have the call reviewed because I received another credit card in the mail. Also, she denoted I have a XXXX card but I pointed out the card I have is a Venture card in my wallet. She gave me a {$25.00} credit for the inconvenience and advised it takes 24-48 hours to review the call. On XXXX XXXX 2017 I contacted Capital 1 to see why I had not heard from anyone. I spoke to XXXX who stated they reviewed my call and I agreed to keep the XXXX. I asked if the person reviewing the call to hear that the representative did n't know of all the options for the card but I wanted the Venture Rewards card with no fee, mileage accrual, and cash back. I also asked when they contacted me because it was not on my cell phone at XXXX. If so, to provide a date so I could check my call register. XXXX advised me that although my account has Venture Rewards, I possess a XXXX, my benefits are those of a XXXX XXXX. I denoted that was misleading to me as a consumer. In addition to, my credit on my account was switched over to miles then to a check. Would he could check with IT to confirm? I find myself outraged that I 'm forced to have something that I do n't want. Needless to say, he alleges that the XXXX was for the confusion. I attempted to correct him by stating the XXXX was for the fact that Capital 1 sent me 3-4 cards in the mail knowing I was previously a victim of identity theft and having to  continuously call into their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a business credit card through  Capital One Business in 2016. Since account opening, Capital One has been incorrectly reporting this business account onto my personal credit report. I have contacted the credit bureaus whom have responded with a promise to contact Capital One. Capital One  has no right to report a business account, in good standing, to the signers personal credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: TX

Complaint narrative:
THE BUREAUS HAVE FAILED TO PROPERLY INVESTIGATE FRAUDULENT, ERRONEOUS THATS A RESULT 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 2017-05-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  accounts that had been deleted of my report due to identity theft keep coming back up  XXXX  finance and  XXXX   XXXX  bank. Also my payment history with   XXXX    was corrected all delinquent payments were removed and now show back up. I will show picture proof they where deleted.

Company response to consumer: Closed with explanation