vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-11 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: DISCOVER BANK
State: OH

Complaint narrative:
I recently pulled a credit report and I 'm seeing a lot of " In Collections/Charged Off '' accounts. Between XX/XX/XXXX and XX/XX/XXXX I was enrolled in a debt consolidation program. All of my debts were settled with the creditors and paid in full. These accounts should not be reporting negatively on my credit report. One of the accounts I 'm referring to is a Discover Card account with a last payment made on XX/XX/XXXX ( says XX/XX/XXXX on credit report ). The original balance on this account was {$990.00}. The debt was settled for {$930.00} and paid as follows : {$460.00} ( XX/XX/XXXX ), {$230.00} ( XX/XX/XXXX ), and {$230.00} ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was checking my credit score on XXXX XXXX and there is a Hard Inquiry on there that I did not authorize. The inquiry was made on XXXX XXXX, 2017 by the below company. I did not authorize the inquiry and want it removed from my credit report. I did n't fill out any form or apply for any loan or credit card. This was either identity fraud or just done illegally without my authorization. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Thank you

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 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been an American Express card member since 1986. I recently received a letter informing me that one of my two accounts ( XXXX XXXX ) was under financial review. Bear in mind, my account has never been paid late, ever. In fact, American Express has increased the credit limit on the account twice, without my requesting the increase, in the past 12 months. 

I was asked to give approval for XXXX to access my tax return. What? There is absolutely no reason/rationale for XXXX to make this request. I refused to give XXXX access to my tax returns and my account was closed.I believe this act will unjustly damage my credit rating since I still carry a balance on a closed account. 

I also have a Platinum card with no credit limit and I have never been asked to produce tax statements. 

I would like this issue investigated for fairness and lawfulness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: IN

Complaint narrative:
The debt collection agency XXXX XXXX XXXX, garnished my wages without any notification or correspondence from them. I am a Veteran and I served my country to the best of my ability. I am already struggling to pay for things like housing, food etc. This company never contacted me. I had just gotten notification from my employer that my wages were being garnished. I never got a court order to appear in court to dispute the validity of this loan. This loan I believed may have happened over 35 years ago. The debt collection company, XXXX said I owe, the principal of {$55000.00} interest of {$19000.00} and the collection charges of {$13000.00}. After my wages were garnished I got a letter from XXXX, stating those above amounts. They are taking out {$130.00} per pay period. This is not disposal income.

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 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
i fully expect pnc to provide a script as an excuse to use the card act or some other excuse to try to keepo the XXXX i have read other custoemrs have left the bank due to this. I was charged 1.50 interest on approx XXXX dollars owed on my card ending XXXX I mistakenly paid it XX/XX/XXXX not the XX/XX/XXXX as my history indicates i would have. The payment system on pnc.com is hard to use. it does not allow you to confirm payments, does not allow you to do more than one in 3 days. Right now in my life i am not too organzied and i did not realize what i did. until it was too late. AS a scripted approach they tell me they alreayd refunded one to me. a 1.50 which they did. and they then try to tell you they cant treat you differently than others. Any other bank would give it back since my history indicates it is an accident. and the payment system could be much more customer frinedly please refund it without all the excuses. please. 
refund 1.50 i wont be using either account to avoid this issue which has happened to me before. 
i know its valid. i also know its clear this is an accident and if you value my business do the right thing without investing your resources telling me no which i totally expect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Since the initial date I filed complaint with CFPB in XXXX XXXX has not applied nor accepted my payments. I am showing outstanding checks cashed since XXXX & XXXX. The initial letter indicate that I was to send {$100.00} to XXXX XXXX XXXX attention. I should n't have to send payments via certified mail every month. Please advise why my payments/checks are n't being applied.?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XX/XX/XXXX I received a late notice from Chase XXXX, I called them because I thought I had a XXXX balance on it and havent ' used the card in months. I found out that they charged me a {$85.00} annual fee and this was what the balance was. So I call them to cancel the card because I never paid a fee when I got the card and did n't want a fee related card. They said they would remove the annual fee and I said I wanted them to reverse the late mark on my credit report since I 've never had this before. They said they couldnt ' do that. I asked for the card to be cancelled and to send me a final statment with my point balance. I got the statment 31 days later and I opened it the next day and saw that I had XXXX points or About {$210.00} worth. I called them to issue a check and they said they could n't do that because it was n't redeemed within 30 days and I called on day 32. I told them this was outright stealing and any unused points should automatically be issued upon closing the account. They said they would get back with me and so far I 've heard nothing. I texted them on their site and still no response. Horrible customer service to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I have spoken with several people at this company. Have even emailed information that was asked of me. I do not OWE CAINE & WEINER any money. I have contacted XXXX XXXX who is the person I owe the money to and I have been working with the directly. This XXXX XXXX XXXX company is now reporting to my credit and I want them to stop. I do not owe them ANYTHING. I am in direct contact with XXXX and they have asked me to not deal with XXXX XXXX XXXX either. TAKE THIS OFF MY CREDIT REPORT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
I took a payday loan out through Cash Express in XXXX, KY. After doing so my spouses mother XXXX  which caused me some time off work and then the father of my child quit his job so we lost our child support. Both things caused a decent decrease in my income right at the time I was supposed to pick up the loan. When I did n't pick it up they sent it to my bank even after I called and let them know I could n't pick it and I needed time. This caused the due amount to change to {$610.00}. When I went in to speak with the people who work in the store I was told this is a felony charge and they would take me to court at the sixty day  mark. Now I 'm freaking out!! They want me to pay the {$610.00} and promise to let me take out {$250.00} but I 'm still really in no shape to pick it up and I do n't know what to do. I do n't want to go to jail or have that on my criminal record. What should I do??? They want me to pick it up this week!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ocwen stalled the modification process, enabling me from moving forward. Ocwen illegally foreclosed on my property, without my knowledge. Until one day inXX/XX/XXXX A 3rd party showed up at my door to take picture of my home. In which they stated they purchased thru an auction. Poor communication from Ocwen in trying to resolve the matter. I numerous phone meetings with a relationship manager at specific times and dates in which, they never called me. Losing documents during the modification process which made me have to start the prove over again. When I do get thru to a representative, the records were never updated causing me to have to constantly refresh the new representative in the reason for my call. My girlfriend of 12 years, who was not a borrower or co-borrower on the mortgage, only listed as a communicator in case I was not present. They went into her bank account unauthorized and remove a payment of over 700.00, stating it was for payment towards the balance. In which I never authorized! In XXXX, I started this modification process, in which I am referencing. I submitted a total of XXXX in monthly income including two rentals, my girlfriend 's paystub and my paystub. There is no way, I should have denied on any level for a modification because the monthly income exceeded. Ocwen denied me because they wanted a lump of about {$20000.00} in arrears. When I was trying to negotiate how I can become current and get back on track with them, they were n't trying to do that! One of  the problems I did have with Ocwen is when I did send the payments, they failed to post them, instead sending them back! This happened on at least 3 occasions. They call me days later stating they have n't a payment ... Poor communication! I had appointment with the relationship manager on XX/XX/XXXX. They never stated they were foreclosing on my home. I have additional details to include. My name is XXXX XXXX, can someone please point me in the right direction. My contact number is XXXX. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I filed a dispute with Transunion XXXX XXXX. The dispute was to have Chapter XXXX removed from my report. It was originally discharged, XXXX/XXXX/XXXX and only reopened for a month in XX/XX/XXXX to correct a document. It should not remain on my report. I have not heard anything from Transunion after faxing the information. When I go online and enter my dispute # nothing comes up. I have called twice and nobody can give me any details of how they are resolving the situation. When I look at my credit monitoring it still shows up and my scores have dropped by 20 + points. There is also another negative remark from XXXX XXXX XXXX that shows as a discharge on my report for {$1000.00}. It was recently added XXXX XXXX. I mentioned this in my dispute and they are doing nothing on my behalf to investigate this. The item from XXXX is not my loan. This was a loan they had with my son that was closed XX/XX/XXXX and now they are adding this negative remark to my report 14 years later. It is my ask that these things are removed from my credit reporting with Transunion and any other reporting agencies. I have tried to get answers from Transunion but I am getting nowhere.

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 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
This company is reporting on my XXXX and my XXXX but it is incorrect. I have never done business with this company. I have gone down to the actual apartment complex that this debt was originally owed to and have shown documentation supporting my claim. I want this off my credit report as this debt was in the result of neglect on the apartments part NOT MINE. I have tried contacting National Credit Systems multiple times with no luck. This is becoming a huge burden when its not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am a victim of identity theft and it adversely affects both my credit report and my background check information. I have an identity theft pin with the IRS for filing my taxes and I have 1 letter documenting that someone else has been using my identity in another state. What can I do to fix my credit score and background information?

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 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass Loan management. Our mortgage matured on XXXX XXXX. 
1. First issue is that all payments were drawn automatically excluding last payment. We were not notified that for some reason last payment needs to be paid at bank branch department ... there were no communications from bank to us in last payment or transition to closing the loan .... So in XXXX we found out that they transferred our loan to the bankruptcy department. 
2. We paid all of the additional fees in XXXX XXXX, XXXX and since then loan os paid off and at the XXXX balance but we are unable to get lean release or deed of trust from BBVA Compass for our property 3. Customer Support line has no access or visibility to that loan because it is in default department. We can not reach default department by phone, their line has automated recording to leave the message with phone number and they will call back, but noone ever calls back. Our emails to that department go into black hole unanswered with no responses 4. For 4 months we have not been able to get any closure on our issue. They screwed up our perfect credit history by not communicating with us and we are unable to get our rightfully owned title to our real property. Customer support in loan department is horrible. We demand to resort our credit history and clear our property of any leans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Transunion XXXX XXXX to let them know I was a victim of their inquiry issue. The customer service representative would not help and take care of the negative inquiries reporting to my credit report. The credit inquiries are as listed 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX  XXXX/XXXX/XXXX 5. 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 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I spotted a " hard '' inquiry on my Equifax credit report on XXXX/XXXX/2017 from XXXX that I never authorized. I recently renewed my XXXX XXXX contract, so there is absolutely no reason I would have given XXXX my information to run my credit. I filed a dispute with Equifax and they 're telling me to contact XXXX to get this removed. I called XXXX this morning and they claimed they do n't even make hard inquiries, but that they will contact me in 3-5 days after reviewing my claim. I made a quick Internet search for " XXXX hard inquiry '' and found a large number of people claiming they had fraudulent hard inquiries from XXXX over the last few months. This seems to be a big problem that might warrant some further investigation. ( I 've attached the results of my Equifax dispute )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
I had a {$210.00} debt placed with XXXX XXXX XXXX in XXXX XXXX, original creditor was XXXX. This debt was paid if full in early/mid XXXX. The agency continues to report monthly to XXXX. Although the reporting reflects the {$0.00} balance, there is no reason to the monthly updates to my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: NJ

Complaint narrative:
Credit Bureau is in violation of FDCPA, FCRA and also Metro2 compliance. The account in question is over 10 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11 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: TX

Complaint narrative:
violation of my rights cra inaccurate infomation sent the hpd report to them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
ChexSystems is showing that I have a derogatory public record on file. This is not the case and the case has been given a " Full Satisfaction of Judgment '' ruling, XXXX2015

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 2017-12-11 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:
violation of my rights cra inaccurate infomation sent the hpd report to them 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 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
In XXXX, during the housing crisis, we had to sell our property because of the losses we were incurring. We tired to sell it but could not. We received the foreclosure notice XXXX, XXXX and the foreclosure date was XXXX XXXX, XXXX. We were sure it was foreclose because we received tax documents from the mortgage holder telling us what price it foreclosed for and how much we taxes we owed for the difference between the sale price and the amount owed. We paid those taxes in out XXXX tax return. Now they are say we still owe on the loan. We need this resolved as soon as possible. The loan was sold to Ocwen and they are coming after us for the loan again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
I opened an account with Ace Check Cashing services about 8 years ago. My spouse XXXX XXXX and I both were depositing our paychecks and her social security checks into an account the last four digits of that card being XXXX. XXXX passed away XX/XX/XXXX. I tried using the card on XX/XX/XXXX and the card was declined due to the account being closed. I visited the store on XX/XX/XXXX and was told the account had been closed down due the person whose name was on the social security checks ( XXXX XXXX ) was not deceased. I asked them how was that possible when I was the primary information on the account and the person that opened the account. They only told me, the remaining balance of XXXX would be held for 120 days and I could come back then to discuss. I recently visited the store and requested the XXXX balance but was told they did not have any information on me in their system.

Company response to consumer: Closed with explanation