vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a Professional, fully employed multiple business owner and employer. I have over 20 fully valid credit cards in good standing. My credit history is outstanding and I pay ALL obligations. American Express has, for reasons unknown to me, in what appears to be a deliberate move, undertaken moves that are causing me harm that I have been unable to resolve with them, in spite of HOURS attempting to do so. I have made an unprescendented effort to both understand and resolve issues with this company, and have been thus far unable to make any progress. I am a XXXX  year customer of American Express and currently hold 3 of their cards including their Platinum level cards, along with "affiliated" cards with Hilton and Delta airlines. These cards are ALL current and paid. Historically, I had a Platinum Corporate card with American Express along with an Optima card, a Delta Card, and a Hilton card. The Platinum card was on a Corporation that underwent a Chapter XXXX bankruptcy, but was current at the time and payments were being made on ALL cards. After the bankruptcy, American Express canceled the Corporate card. Once canceled, it became impossible to make payment on the account in spite of attempts to do so. I contacted American Express and explained that I wanted to clear the account. I was advised that the account had been handed over to a collection agency and that "they" would be contacting me. They would not provide the name of the Company. The Company is XXXX XXXX XXXX in Pennsylvania. I have NEVER been contacted by them. It appears now that XXXX XXXX XXXX   have canceled the PERSONAL accounts with American Express including a new Platinum account that I was charged and paid a $500 membership fee for without notice and without cause. All accounts were in good standing. The bankruptcy attorney has indicated that this is not a legal remedy for them. I want this investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I filed a dispute using XXXX XXXX with sprint/ convergent outsourcing over 30 days ago with no response. I asked for original documents and valid dates and i have gotten nothing. I spoke to 2 different ppl today 1 could not find this debt using my social security number. Then hangs up I call back second time manager comes on and poof debt is found and according to them they have now located the information and have proof but never gave it to me. I would like to get this removed off my report. they did not fulfill my request in a timely manner nor have they provided any proof via email that they have on file.

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 2019-08-16 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 Credit Bureaus are reporting erroneous information on my credit file

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 2019-08-16 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 Credit Bureaus are reporting erroneous information on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 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: Self Lender Inc
State: MO

Complaint narrative:
Since XX/XX/2019 Selflender has been continually reporting to XXXX that my closed account is open an negligent. I have spoken with representatives several times since XXXX including XX/XX/XXXXXX/XX/XXXX,XX/XX/19,XX/XX/19,XX/XX/19. They have refused to contact XXXX  to fix their reporting issues.  Yet, I as the consumer has to suffer and have my credit score dropped monthly for incorrect reporting on their end.  I have spoke to XXXX  on XX/XX/XXXX for an hour and they too have informed me of exact details of Selflender incorrectly reporting to XXXX. Selflender is continuing to not return calls or tell me someone will call me in a day and I never receive a call. I'm stressed and have suffered tremendously from this one situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW SOMEONE WAS ABLE TO GET MY INFORMATION TO EVEN DO SUCH A THING ON MY CREDIT. THIS IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. IT HAS ALSO BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH THE STATE THAT MY CREDIT IS NOW IN. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT. ALSO KEEP IN MIND THAT I HAVE NO KNOWLEDGE OF THE TRANSACTION.

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 2019-08-16 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
This is not a duplicate complaint about the issue addressed in complaint XXXX, XXXX or XXXX. First Invst SVC pulled my credit without authorization on XX/XX/2018. This was due to XXXX XXXX sending them an application without my consent. I already had preapproved financing from XXXX XXXX. XXXX XXXX was only authorized to complete the XXXX XXXX application. First Invst SVC has not followed the law which under section 604 of the Fair Credit Reporting Act requires them to provide a signed contract to validate the inquiry had permissible purpose. Since First Invst SVC has failed to correct the issue an FTC identity theft report number XXXX was filed listing them and XXXX XXXX as using my information illegally. I demand for the final time before legal action is taken for XXXX XXXX to delete the inquiry they made on my credit report immediately.

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 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: KS

Complaint narrative:
My nephew found out last week he was being referred to XXXX XXXX on an emergency basis and was to be there on XXXX XXXX, 2019.  Our family immediately started collecting donations to help him and his mother with the expenses for his trip to XXXX XXXX as my sister is on XXXX  and he is going through the XXXX process they struggle financially day to day anyway. We collected XXXX  and put XXXX of it one XXXX XXXX XXXX Visa purchased from XXXX XXXX XXXX XXXX in XXXX KS. On Friday XXXX XXXX, my sister went to use the card and it declined, she then went back to the hospital and got on a computer to go to the website and look up the card account details, frustrated because she hadn’t used it yet, she then noticed there was a charge for XXXX to a company out of XXXX, Michigan- it was then she called me in a panic as well as try calling the number on the card for help. After going through a series of questions, she was then transferred to another phone number that answered as an addiction specialist, my sister then hung up. We have been researching and calling different numbers for assistance with no success.  I have reached out to the company where the purchase was made, XXXX XXXX  out of XXXX and have yet to hear back- my sister has only less than XXXX  to her name and will be with my nephew at XXXX XXXX   for some time while he undergoes multiple surgeries.  We are begging for assistance to resolve this issue!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had fraud on my student loan over XXXX. Sallie Mae held the loan. Navient bought it. Monies dispersed to a college I never attended in another county. College shut down and Ive contacted Navient fraud over 20 times, no resolve. They say since it happened before they bought the loan they arent responsible. I called FBI, etc and they did paperwork. I was sent notice from XXXX  DC about my identity being compromised. Still no resolve and interest is growing. I need this issue resolved its been over 6 years trying to get someone to take responsibility. 

Navient also automatically defers and adds feed and compound interest without permission they just send notice of what they did to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: DISCOVER BANK
State: MD

Complaint narrative:
XXXX XXXX XXXX reported delinquent payments. I was a victim of identity theft in 2014. It was reported to the proper authorities but XXXX XXXX XXXX won't remove this from my 3 credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 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:
I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. 
However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. 
XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX Financial knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with Transunion, XXXX and XXXX. All agree this is an error but can not stop XXXX XXXX XXXX reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.

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 2019-08-16 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: IL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX/XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was being charged automatically every month by my dental office. I was seeing a dentist to have XXXX XXXX XXXX made for me. The dental office finally contacted me and asked me to schedule an appointment to be fit with my XXXX. Every time I had a scheduled dental appointment, the dental office re-scheduled the appointment. I have yet to be fit  with the XXXX XXXX. The dental office continued to bill XXXX XXXX even though the dentist never completed the XXXX XXXX. I finally was able to reach the billing department at the dental office regarding these re-occurring payments and the dental office billing department told me to call XXXX XXXX. When I called XXXX XXXX, the representative with XXXX XXXX informed me that this was a billing issue with the dental office. I have not been able to resolve this issue and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
On XX/XX/19, I received a call at my work number from XXXX, When I said hello, they hung up. On XX/XX/19 at XXXX, I received a call from the same number at work stating that they were calling me to collect a debt from a payday loan company that gave them the loan. The person said her name was XXXX from the National Credit Adjusters and the company was located in XXXX. 
She asked to resolve my debt by a payment plan by phone. I told her that I would go to their website get more information and she told me that they would not work with me. I concern is that I was part of those person who credit was breached by the XXXX   situation and the fact that this person was calling me from XXXX. I need to know if I can use the do not call registry. because I believe this is a scam. Your assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: CA

Complaint narrative:
I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX XXXX knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with XXXX, Equifax and XXXX. All agree this is an error but can not stop XXXX XXXX 's reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX   continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 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: Mortgage Research Center, LLC
State: VA

Complaint narrative:
A company named Veteran United, has confused advertising like they work for the veterans administration and they not, I am interested in purchasing a house and I gave this company all my personal information about me but at not time I gave them permission to pull a hard inquiry on my credit but they did, credit reporting XXXX email me right away, I call Veterans United and told them I did not gave them permission to pull my credit specially a hard inquiry, this company really full me as a XXXX  era us XXXX veteran that I am, they false advertising is wrong to all veterans. And again I did not gave them permission to pull a hard inquiry, all I want is to remove it out of my credit report.   XXXX XXXX is the person I spoke to and I refreshed to him that I did not gave him permission for a hard inquiry . His number is XXXX ext 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 explanation
Consumer complaint received 2019-08-16 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: IL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly on the XXXX/XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was being charged automatically every month by my dental office. I was seeing a dentist to have permanent crown moldings made for me. The dental office finally contacted me and asked me to schedule an appointment to be fit with my crowns. Every time I had a scheduled dental appointment, the dental office re-scheduled the appointment. I have yet to be fit with the crown moldings. The dental office continued to bill XXXX XXXX even though the dentist never completed the dental work. I finally was able to reach the billing department at the dental office regarding these re-occurring payments and the dental office billing department told me to call XXXX XXXX. When I called XXXX XXXX, the representative with XXXX XXXX informed me that this was a billing issue with the dental office. I have not been able to resolve this issue and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-16 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: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly on the XXXX/XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) This account was being charged automatically every month by my XXXX  office. I was seeing a XXXX  to have XXXX  XXXX XXXX made for me. The XXXX office finally contacted me and asked me to schedule an appointment to be fit with my XXXX. Every time I had a scheduled XXXX appointment, the XXXX   office re-scheduled the appointment. I have yet to be fit with the XXXX  XXXX. The XXXX office continued to bill XXXX XXXX even though the XXXX never completed the XXXX work. I finally was able to reach the billing department at the XXXX office regarding these re-occurring payments and the XXXX office billing department told me to call XXXX XXXX. When I called XXXX XXXX, the representative with XXXX XXXX informed me that this was a billing issue with the XXXX office. I have not been able to resolve this issue and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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