vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 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: SC

Complaint narrative:
I submitted a dispute  to have a Public Record  removed from my Transunion and   XXXX   credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied, but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score  and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.

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 2017-05-03 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: DISCOVER BANK
State: IA

Complaint narrative:
On  XXXX / XXXX /   2017 I  called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Hello, I received a letter in the mail from  Convergent Outsourcing Inc  stating I owed "   XXXX   XXXX   XXXX   XXXX   XXXX   money from a   XXXX   XXXX   account that is not even mine. They stated the amount that I owed was {$1100.00}, however when I called  XXXX   XXXX  on this with the account they stated the amount owed was {$850.00} and it was opened in  XXXX . It was then sold to a debt collector in  XXXX . Which makes this debt illegal to even collect on according to the fair credit reporting act. They are doing illegal practices trying to collect debt that is not even mine and violating the fair credit reporting act by trying to collect old debt.      Regards,   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 2017-05-03 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I pulled my  XXXX  major credit reports from  XXXX . I noticed an account being reported by Navy Federal Credit Union that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around  XXXX   XXXX ,   XXXX   I received an updated credit report and a summary of the investigation that simply stated "  Information  validated as accurate ''. No reason, method, or support to that statement.     In the updated credit report I found that not only did they not resolve my complaint but they allowed Navy Federal Credit Union to update information on the account from charge-off with a balance of    XXXX    and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  XXXX  to  XXXX , and tack on  XXXX  reports of 90 days late to account that had a previous balance of {$0.00}.     I then disputed this new information with all  XXXX  credit agencies with the investigation results once again stating  " Information v alidated as accurate '' with out anything to support that statement.     I then proceeded to file a complaint with the BBB against   XXXX   about the matter. However, the BBB did nothing but open up a line of communication with  XXXX . No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.     I then made direct contact with Navy Federal Credit Union. Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for   XXXX   and hung up.     I am now in the process of initiate  XXXX  last effort to have the report corrected before I pursue legal advice on handling the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have been paying on my student loan for over 10 years, how do I still have a {$21.00},  XXXX  balance?     In  XXXX  I fiel d Chapter   XXXX , my bankruptcy began paying {$500.00} towards my student loan for at least  3 1/2  years. {$500.00} for 30 months is around {$15.00},  XXXX . After the bankruptcy was  discharged  in  XXXX  i continued making payments and balance is still not decreasing. What is  Navient d oing with my money? Ive tried contacting them and get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: PNC Bank N.A.
State: FL

Complaint narrative:
ON  XXXX / XXXX / XXXX   PNC B ank reported me to  XXXX  for suspected fraud activity and closed my bank account. About 8 months later due to moving, I had another bank account at another commercial bank that I decided to move to another bank so I closed the account and went to the new bank tried to open a checking account and Due to the  XXXX  report from  PNC  Bank, I was unable to open a new checking account When I found out tha t PNC  placed me in the  XXXX  I contacted them via phone and paid them {$690.00} on  XXXX / XXXX / XXXX  that I did not know that I owed them and requested relief from the   XXXX   report. That  Relief  never came.     on  XXXX / XXXX / XXXX  I wrote them asking for the report to be deleted because  PNC Bank Previously Confirmed  to  XXXX  the suspected Fraud was accurate and Verified it as accurate to my dispute with   XXXX  . on  XXXX / XXXX / XXXX  I have requested specific documentation of the alleged fraud how such fraud was committed, Documentation and proof of me doing suspected Fraud. Documentation of how such said suspected fraud was committed. I have also asked for  PNC  Bank to give me  PNC B anks    XXXX     Reporting policies of how they report customers to  XXXX  and the procedures they must follow. To Date, I have gotten Nothing From PNC Bank.     It 's now  XXXX / XXXX / XXXX  and demand relief from PNC Banks Report of me in    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: (Former)Shapiro, Swertfeger & Hasty, LLP
State: VA

Complaint narrative:
Delinquent credit Obligations - I am repeatdly denied credit due to a credit history of 'delinquent credit obligations '.   Yet, my credit report always reflect that my creditors are paid on time ...   Please provide the solution to resolve this issue ; I thank you.     Please be advised that I DO N'T KNOW .... WHO or WHY the delinquent creditors are, just not logical.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Clear Debt Solutions, LLC
State: NV

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   fr  om  a company called  CDR called my  cell number and my work number to inform me of a debt. Calls were made to my extension at work and several other classroom extensions and the office. He informed all these people that he was a collection company, gave everyone my file number, and told them this was attached to my social security number. I contacted  XXXX   XXXX  and told him to NOT contact my work or work colleagues. I also made payment arrangements for 3 payments.   End of  XXXX  to beginning of  XXXX   XXXX   XXXX   XXXX   from CDR called m y cell number, my work number, and several work extensions leaving messages that referred my file number, and again that my file was attached to my social security number.   He even called the personal cell number of my principal. He has never disclosed how he got this cell number, nor would he say that he would stop contacting my work or colleagues until I agreed to set up further payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I 'm a victim of identity theft and took information and opened up account Comenity capital bank account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 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: IA

Complaint narrative:
On  XXXX / XXXX  /2017    I called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.

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 2017-05-03 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On  XXXX / XXXX  /2017  I called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.

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 2017-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
According to the false accusations on the paper work it say  XXXX  and I was not aware if it I would think that someone would call they said it was done via web. And I do not get in there as well as j do not know how come no calls no letters Nothing until the gentleman pulled up  XXXX  so I call remarks from company '' sir please get an attorney we no longer shall speak to you. Now you never have until then and wow that 's what I was thinking

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC
State: TX

Complaint narrative:
The companies I took the loan out with told me that they do n't have my loans in there office. At the time when I took them out I had a source of income. I had someone to file fraudulent income taxes in my name that am still working on. I took  XXXX  out at  XXXX   XXXX  for {$410.00},   XXXX   XXXX   for {$410.00}, and  XXXX   XXXX   XXXX  for {$410.00}, and Express Check Advance for {$410.00}. Am willing do what I can to pay on these loans. All these loans where took out in   XXXX  .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: NE

Complaint narrative:
Reverse Mortgage reported to have taken place on  XXXX   XXXX ,  XXXX  in TN.   XXXX   XXXX   regarding mortgage reported to have taken place but Mortgage  Servicer,   CeLink  in Michigan has not shared any information with new conservator. The former  Power of  Attorney for elderly  XXXX  man that obtained the reverse mortgage is suspected to have pressured him into taking out the mortgage. That Power of attorney has since been relieved of her position by the court and criminal charges are being considered. The new power of attorney and conservator is trying to stop the foreclosure and court house auction scheduled for  XXXX   XXXX ,  XXXX  in  XXXX  TN. The person being foreclosed on is  XXXX   XXXX   XXXX , has  XXXX  and multiple physical health conditions, the former POA placed him in   XXXX   XXXX   on  XXXX   XXXX ,  XXXX  and where he remains, unknown to family members until family found him. Evidence at this time shows that the mortgagee gave her POA in  XXXX  and since that time she violated her power by selling of other land property, used his social security benefits and retirement pension and funds from the reverse mortgage.  Mortgagee w ants to return to his home and arrangements can be made for him to return to his home if CeLink Mortgage  Servicer  will stop the foreclosure which the family believes was fraudulently conceived and executed by the former  POA and that Mortgage Servicer is aware of at this time. The mortgage Servicer was  contacted by email on  XXXX   XXXX ,  XXXX  and request was made by this complainant to stop the foreclosure. The sale of the property was delayed from  XXXX   XXXX ,  XXXX  to  XXXX   XXXX ,  XXXX  but that time has not been sufficient, and the mortgage servicer has not submitted needed documents about the mortgage to allow the family to take legal action against the former POA or the mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: NY

Complaint narrative:
I 'm a victim of identity theft and took information and opened up account   XXXX   XXXX   XXXX   account

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 2017-05-03 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: IN

Complaint narrative:
On   XXXX   XXXX   XXXX   I pulled my   XXXX   major credit reports from  XXXX . I noticed an account being reported by   XXXX   XXXX   XXXX   XXXX    that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around   XXXX   XXXX   XXXX   I received an updated credit report and a summary of the investigation that simply stated " Information validated as accurate ''. No reason, method, or support to that statement.
In the updated credit report I found that not only did they not resolve my complaint but they allowed   XXXX   XXXX   XXXX   XXXX   to update information on the account from charge-off with a balance of zero and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  X/XXXX  to   XXXX  , and tack on   XXXX   reports of 90 days late to account that had a previous balance of {$0.00}.
I then disputed this new information with all   XXXX   credit agencies with the investigation results once again stating " Information validated as accurate '' with out anything to support that statement.
I then proceeded to file a complaint with the BBB against  XXXX  about the matter. However, the BBB did nothing but open up a line of communication with  XXXX  No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.
I then made direct contact with   XXXX   XXXX   XXXX   XXXX  . Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for  XXXX  and hung up.
I am now in the process of initiate   XXXX   last effort to have the report corrected before I pursue legal advice on handling the matter.

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 2017-05-03 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: IN

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I pulled my  XXXX  major credit reports from  XXXX . I noticed an account being reported by  XXXX   XXXX   XXXX   XXXX  that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around  XXXX   XXXX ,   XXXX   I received an updated credit report and a summary of the investigation that simply stated  " Information va lidated as accurate ''. No reason, method, or support to that statement.     In the updated credit report I found that not only did they not resolve my complaint but they allowed  XXXX   XXXX   XXXX   XXXX  to update information on the account from charge-off with a balance of   XXXX   and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  XXXX  to  XXXX , and tack on  XXXX  reports of 90 days late to account that had a previous balance of {$0.00}.     I then disputed this new information with all  XXXX  credit agencies with the investigation results once again stating  " Information  validated as accurate '' with out anything to support that statement.     I then proceeded to file a complaint with the BBB against Equifax about the matter. However, the BBB did nothing but open up a line of communication with Equifax. No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.     I then made direct contact with  XXXX   XXXX   XXXX   XXXX . Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for Equifax and hung up.     I am now in the process of initiate   XXXX   last effort to have the report corrected before I pursue legal advice on handling the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: SC

Complaint narrative:
I submitted a dispute to have a  Public Record  removed from my     XXXX   and Equifax credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied , but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received  XXXX  solicitations from  American Express  in late  XXXX   XXXX  offering  XXXX  miles with  Delta if I signed up for the Gold Skymiles credit card befo re  XXXX   XXXX ,  XXXX  and spent {$3000.00} in the first 3 months. I received the card approval  XXXX   XXXX ,  XXXX  and spent over {$3000.00} by the end of  XXXX   XXXX . I have contacted  American Express  several times most recently on  XXXX   XXXX ,  XXXX  where a back office inquiry was opened and on  XXXX   XXXX ,  XXXX  to follow up on findings. I was informed that  XXXX  miles was all I would receive. I fulfilled all of my obligations to receive the  XXXX  miles according to the  XXXX  brochures I received but can not get an answer as to why  American Express  is denying me the miles.

Company response to consumer: Closed with non-monetary relief