vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
*****NOT A DUPLICATE***** Recently I disputed this account on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I DO NOT OWE your company any money. Additonally, I know it is illegal for a collection agency to collect on behalf o  f another one. How can a collection agency extend credit to consumers? They simply CA N'T. Since you ca n't produce a contract between me and LVNV Funding this account need to be deleted from my credit report. You are in violation of bothe the FDCPA and the FCRA. If these listings are not removed from all   XXXX    credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.
**In the US law encyclopedia, American Jurisprudence , 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. T   hus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A.
State: NC

Complaint narrative:
We are  trying to complete a short sale under federal regulations that involve multiple collections. PNC is the 2nd Mo rtgage and will not liquidate under federal guidelines and therefore, will be force placing a Foreclosure Sale Date scheduled for  XXXX   XXXX ,  2017  in the  XXXX   XXXX   XXXX . By Force placing this Foreclosure, PNC will be cutting off settlement agreements and short payoffs already negotiated with  the 1st  Mortgage  XXXX ,  XXXX   XXXX  and  XXXX   XXXX   Revenue Departments and the Federal IRS. PNC is subordinate to all these lien holders ( last in line ) is not providing any appeal resolutions nor liquidation options available under the federal liquidation guidelines. We are only requesting a short pay resolution to allow this property to convey and pay all other lien holders their already agreed settlement amounts. PNC can reserve their right for future collection and hold us liable for this debt after conveyance. The First Mortgage, Local Property Tax Collector and the IRS all trump this collection and under federal guidelines can limit the options and payo  uts to PNC ( last in line ). PNC is demanding more than required under their Federal Liquidation guidelines. PNC is subordinate to all these other collections and must release the lien from " property only '' to continue their collection efforts for this debt with us directly. PNC has admitted  they have already " charged off '' the loan and under federal guidelines we are requesting, in lieu of a force placed foreclosure, for them to release from " property only '' which will make us liable for the  remaining balance after this said liquidation and short sale. Otherwise, allow liquidation under Federal Short Sale Guidelines and Procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an account in Regions bank. I lost my card and come to find out I had  XXXX  stolen from the atm using my pin and I do not know how it happened. I am suppose to be protected. They declined my claim a few times and now trying to contact corporate. I just want my money back.

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 monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
send {$1000.00} to daughter through western union to be available on  XXXX   XXXX .On  XXXX   XXXX  get notice from western union money on hold. Aft er 1 hour  on telephone western union will refund money back to my bank minus $  XXXX  They  did absolutely nothing but cause problem and charge me {$10.00} .I think they scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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:
In  XXXX  of  XXXX , I recevied my full, free annual credit report. It showed an account in collections from a company I have never heard of,  XXXX   XXXX , on behalf of another company I have never heard of called   XXXX   XXXX    of  XXXX . I reported this to Equifax,  XXXX , and   XXXX    as an error.      XXXX  and  XXXX  immediately removed it from my report. Equifax did not. They reported to me that   XXXX   XXXX   verified the debt of {$150.00} to them.     I contacted   XXXX   XXXX   directly to dispute the debt. They informed me many weeks later via written letter that they could not confirm or deny that the debt belonged to me due to HIPPA regulations and directed me to contact  XXXX   XXXX  of  XXXX  directly to dispute the debt.     On  XXXX   XXXX ,  XXXX  I wrote  XXXX   XXXX  of  XXXX  a letter, delivered by  USPS , to dispute the debt and ask for any documentation they have to support their claim that the debt belongs to me. They have not responded to my request in any manner, but my current Equifax credit report states that     XXXX   XXXX   is still claiming I owe them a debt of {$150.00} as of  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On  XXXX / XXXX / 17 , I went to my normal ATM to make a fast cash withdrawal.   I was asked if I wanted to check my balance. I had never seen this before. I clicked yes because I did not think I could proceed to make my transaction unless I did.   Then when it was time to make the withdrawal, I was informed I had a  XXXX  dollar withdrawal fee because a different ba nk ( Citi ) now contr olled the ATM, not my bank (   XXXX   ).   I immediately cancelled the transaction. However I was charged  XXXX  to check my balance. I was never informed there was a fee to do this. I feel I was led to check the balance to complete the transaction, though I did not care if I checked my balance or not.   This was highly deceptive and I am upset about it this fee. I do n't know who to contact becaus e Citi is not my bank. While it is n't a lot of money, it is the deception and knowing they are doing it to lots of people. I came home and my husband had the exact same thing happen the day before. He cancelled the withdrawal as well. Please do something so people ( Tens of thousands I am sure ) know this is happening every day.

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 2017-06-15 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: CORELOGIC INC
State: NJ

Complaint narrative:
In  XXXX   XXXX  I applied for a car loan with  XXXX   XXXX  which has gone bankrupt and the owner has been indicted on several accounts. Without me knowing was running my credit. I contacted Credco to see who they were and why they were listed on my credit report. I was told that they were used by the dealership. I was surprised because my credit was ran several times after my purchase unbeknownst to me. The dates are as follow :  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I need for all them to produce a signed contract which states that i gave them permission to run my credit so many times. I need the inquiries removed immediately Also  XXXX   XXXX   XXXX   XXXX  is who has my loan for the Auto I now own.     Thank you in advance

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 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Collection Notice sent to me from, first : Southwest Credit Systems for an unpaid amount of {$130.00} for XXXX XXXX. Then Southwest sent that to a collection AGENCY called XXXX, XXXX XXXX XXXX, XXXX, FL XXXX reference # XXXX. Amount {$130.00}. XXXX says I do n't owe them any money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: The Thomas Agency, Inc.
State: ME

Complaint narrative:
XXXX / XXXX / XXXX  ... the  Thomas  agency  XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  ... the  Thomas  agency.  XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XXXX  the  Thomas  agency.  XXXX   XXXX   XXXX   XXXX  I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The  Thomas Agency, all said it would be corrected and removed, due to billings clerical err ors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
OnXX/XX/XXXX I opened up a checking account with Capital One 360 under the premise that if I make 2 direct deposits of XXXX by XX/XX/XXXX that I will be awarded XXXX. I rearranged my direct deposit to satisfy the stipulations. There was a direct deposit made on XX/XX/XXXX and a direct deposit on XX/XX/XXXX. I called yesterday to see when will I be getting the incentive and I was told because the promotion was n't targted to me that I will not be eligible. That was not apart of the criteria when I opened the account and after I opened it, I called the next day and was told that I would be eligible. I spoke with 2 representatives on XX/XX/XXXX that told me that i was not eligible for the incentive. I posted this issue on their XXXX page as well as I emailed the CEO of the company. Companies should not be able to take advantage of people in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
I do n't have any knowledge of this collection company or the debt that they are attempting to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I moved out of  XXXX   XXXX  in  XXXX   XXXX . In  XXXX   XXXX , the apartment complex engag ed IQ Data International dba R ent Collect Global to collect a debt of {$120.00} they claimed I owed for cleanout of the apartment I vacated in  XXXX   XXXX .  <P/> I disputed this debt with both the apartment comple x and IQ Data. B oth parties maintained that I owed the debt.  <P/> I sued the apartment complex  in Justice Court to have the d ebt cleared and my apartment deposit returned. On  XXXX   XXXX ,  XXXX  t he Justice of the Peace issued  the judgement on this case in my favor. In  XXXX   XXXX , the  XXXX   XXXX  wrote a check to pay the court costs and return my deposit.  <P/> 
IQ Data has refused to stop reporting this debt to the credit reporting agencies   XXXX   XXXX   XXXX   XXXX  . I   disputed the debt directly with all  XXXX  credit reporting agencies.   XXXX   and   XXXX   have removed the collection from my report.  XXXX  has not.  <P/> Per my current  XXXX  credit r eport, IQ Data Collections has inc reased my debt due to interest owed to {$130.00} and continues to report this debt as of  XXXX   XXXX ,  XXXX . I have written  to both IQ Data and  XXXX  on multiple occasions to remove this mark from my credit history, but IQ Data maintains that I owe the debt despite being presented with the court 's judgement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting incorrect personal info on my credit report which includes : Incorrect names, incorrect and ou  tdated addresses, and incorrect employment info.
FYI There is no apartment " A '' at my address. Should remove incorrect employer information.
I 'm retired.
I have contacted Equifax and cfpb about this complaint subsequently equifax sent me a copy of my credit report with my personal information omitted (? ) so I was unable to confirm any updates.
Through a third   party I was able to view my equifax credit report and found out equifax is still reporting false and/or really old personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: Navient Solutions, LLC.
State: KY

Complaint narrative:
I contacted Navient in  XXXX  of  XXXX  about my student loans, to say that I was going back to school and that I could n't afford payments. I was told I was in a grace period and that I would notified when a bill was due so that I could call back and have my loans defferred or placed in forbearance. She also told me she would note my account so that they would know I am placing my account in forebarance once the grace period ended.     I was never contacted bout a payment being due. I was never told my payment was late ; I was n't told it was 30 days late, 60 days late, or 90 days late. In  XXXX  of  XXXX ,  Navient  put  9  negative charges to my credit report. I contacted them and told them they never contacted me about a bill or told me that the bill was late. I had n't received anything from them. First, the lady tells me she mailed them. I told her I 've been living my house for 15 years, you did n't mail me a thing. Then she switches and says that they emailed me, I told her that they didnt do that either. She then tells me to dispute it and explain. I did!  Navient  has basically been telling me these past few months that they are not taking it off my credit report. I have asked for proof that they tried to contacted me and after telling me numerous of times they would, they basically said that they wo n't. I was also told that they called me, but they did n't do that either and I check my phones records to ensure that.     I got a call on  XXXX / XXXX / XXXX  from Navient and the representative basically told me he wo n't remove it from my credit report because I am in the wrong. Under their policy they are suppose to contact me when the bill is past due before they report it to my credit and they did n't. They are basically abusing their power, telling me they do n't have to prove to me they did anything and they do n't have to remove anything from my credit report. He also made no sense with their policies and basically told me to deal with my new bad  credit score !     I have done my research on this company, they are abusive to their consumers. REMOVE YOUR LOANS FROM THEM IF YOU CAN! They are not down to help, they do nothing but lie and  XXXX  people over. Its bad enough that we live in a country where we have to go in debt to get an education, now we are getting screwed over even more by having poorly ran companies like  Navient  messing up our credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: PA

Complaint narrative:
When I called the bank, someone said they were XXXX XXXX and this was a auto loan inquiry. I said I had bought a car in over four years and was not looking for a car. I got rerouted to a number that was not available. XXXX/XXXX/2016 XXXX has requested a copy of your Credit Report Hide Details Business : Phone : Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX/XXXX/2016Reported By : Experian

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 2017-06-15 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: ME

Complaint narrative:
XXXX / XXXX / XXXX  ... the   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  ... the   XXXX   XXXX  .  XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX  town of   XXXX   rescue  XXXX   XXXX  the   XXXX   XXXX    XXXX  town of   XXXX   rescue  XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX   XXXX   XXXX   XXXX  I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The  XXXX   XXXX , all said it would be corrected and removed, due to billings clerical errors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.

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 2017-06-15 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: ME

Complaint narrative:
XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX.  XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to XXXX XXXX XXXX, all said it would be corrected and removed, due to billings clerical errors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: AES/PHEAA
State: GA

Complaint narrative:
At the beginning of   XXXX   I started the process to have my payment reduced through  XXXX . Every other month I would check in on the process to see how things were going. Each time I would be informed that they needed my Tax Docs or need a new application. I would comply and submit the documents, but the next month I would receive the same feedback. After a year they were finally able to derive my new payment. At that time I spoke with a supervisor and asked her to explore if the interest accrued during the extended period could be forgiven since this was purely the fault of FedLoan Servicing. After a couple of weeks she said that it was determined that  FedLoan  was at fault and that I would not be charged the interest accrued during that time. Today I learned that I was in fact charged the entirety of the interest despite their admission that they delayed the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.

Complaint narrative:
I have just found on my credit report that I have a collections attempt from Company DIVERSIFIED CONSULTANT Payment Status Collections Status Date  XXXX / XXXX / XXXX  Balance {$830.00} Balance Date N/A Address  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  As you will see in my previous complaints datin g back 2 1/2  years :  XXXX   XXXX   XXXX   XXXX   XXXX  contacted me in  XXXX ,  XXXX  about  a   XXXX   XXXX   XXXX  bill for {$830.00}. I paid them on their web site on  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX    XXXX  FL  XXXX  with a card ending in  XXXX  for {$820.00}.     Clearly  XXXX   XXXX  DID NOT inform  XXXX   XXXX   XXXX  that the bill was paid as an entirely new credit reporting agency has taken up this collections notice.     I can not express enough my distain for  XXXX   XXXX  and their totally corrupt and on-going business practices.

Company response to consumer: Closed with explanation