vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I applied for a Home Depot credit card had a XXXX dollar limit they deleated my credit card And they closed my account cause the representative say it was not used in a yr I spoke with her XX/XX/2018. I called to ask them for a reconsideration cause I was gon na use the card to make repairs on my roof. She said she was sorry but the account is closed

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 2018-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio recovery is now knowingly reporting collections to my credit reports. I have disputed this account several times as fraud and they will not conduct a proper investigation. They sent me only a letter from XXXX XXXX that stated that they owned the debt now. This debt does not belong to me and I would like it to be immediately removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
came on credit i never was aware of this company or had a contract with this company and this debt i wasn't informed

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 2018-05-25 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: TX

Complaint narrative:
I was a victim of Transunion inquiries issue and their customer service wont want to help me to remove them. 

1- XXXX XXXX - inquiry from XX/XX/XXXX 2- XXXX/XXXX - inquiry from XX/XX/XXXX 3- XXXX/XXXX - inquary from XX/XX/XXXX 4- XXXX/XXXX - inquiry from XX/XX/XXXX 5- XXXX/XXXX - inquiry from XX/XX/XXXX 6- XXXX/XXXX - inquiry from XX/XX/XXXX 7XXXX XXXX - inquiry from XX/XX/XXXX XX/XX/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 2018-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Loan kept going up up See pick a pay loans Paid 14 years on mortgage paid loan off but did not get anything I return no property zero

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 2018-05-25 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: Nicholas Financial Inc.
State: GA

Complaint narrative:
on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company Nicolas Financial to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal made a serious error that they submitted to XXXX XXXX my name social security number, with my zip code, and phone number. This makes my identify compromised for identify theft. This is of huge concern as I have already experienced such a situation and it cost me money time, and impacted my credit in a negative manner. I had to deal with attorneys and to this date I have attorneys that I dealt with that tried to collect money from me that was not mine. I still have an address that I never lived at and it took me a long time to get corrected. This is all being done by Navy Federal Credit Union. They want to make this my problem to monitor and manage this event though this was 100 % their fault and has a chance that the black web or anyone else could harm me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company XXXX XXXX to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: Westlake Services, LLC
State: GA

Complaint narrative:
XX/XX/2018 I sent a certified letter to the Company and have not received a response or explaination of why there is an unauthorized credit inquiry on my report. I explained and that I have no knowledge or would like them to send verifiable proof that indeed this was a made by me. I HAVE NOT RECEIVED A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: GA

Complaint narrative:
XX/XX/2018 I sent a certified letter to the Company and have not received a response or explaination of why there is an unauthorized credit inquiry on my report. I explained and that I have no knowledge or would like them to send verifiable proof that indeed this was a made by me. I HAVE NOT RECEIVED A RESPONSE

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 2018-05-25 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: On-Site Manager, Inc.
State: GA

Complaint narrative:
credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: Coastal Credit, LLC
State: GA

Complaint narrative:
credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: Premium Credit Bureau
State: GA

Complaint narrative:
sent out a certified letter on XX/XX/2018, have not received a response to why ist there a unauthorized credit inquiry from the company. In the letter I stated that if there is no verifiable reasoning or proof to please delete and taken off credit immediately. I have not received a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX -  {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR TRANS UNION XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

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 2018-05-25 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; Ally Financial credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, EQUIFAX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX  credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*XXXX  XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from EXPERIAN XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

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 2018-05-25 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
sent out a certified letter on XX/XX/2018, have not received a response to why ist there a unauthorized credit inquiry from the company. In the letter I stated that if there is no verifiable reasoning or proof to please delete and taken off credit immediately. I have not received a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XX/XX/2018 I sent portfolio recovery certified mail asking to prove I owe debt they havent proved I owe but continue to hurt my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
XX/XX/2018 checked my online account making sure no auto payments went through called customer service to confirm what Ive seen on my end she sees on her end. My account in positive. I didnt want any surprises. It was XXXX in Hawaii and Im expecting a direct deposit by or before midnight. XXXX I check online app again I see - {$260.00} Something, not sure of change. Called Bank of Hawaii and after entering my information it tells me my balance is {$50000.00} something in change. I go back to my online and Im locked out I have to reset password and get back in and in the meantime Im waiting on hold for a customer service representative. She finally answers me before midnight I let her know whats happend and I finally get back in online it shows me my balance at {$740.00}. I let the representative know I called in on purpose to make sure this Wouldnt happen again me paying an overdraft fee {$26.00} and my bank rejected my payment sent back unpaid! I was on track monitoring my back how they been deceiving me and taking my money every week! Im positive theyre doing it to everyone. I need your help to get to the bottom of this and exposing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX appears on all 3 credit reporting agencies showing different balances, same balance, different dates, same dates, XXXX balance, and also showing closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX I mailed out letters to dispute inquiries that were unauthorized credit polls on my credit report from XX/XX/XXXX. I have not had any response to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, all my ( hundreds of thousands of ) American Express Membership Rewards ( MR ) points were frozen, per telephone inquiry advice of 2 MR representatives and a supervisor. They explained that the freeze would last up to 8 weeks for a " spin review. '' They said there was no way of knowing why my account was selected for review ( though I've been in good standing with AmEx since opening my account in XX/XX/XXXX ), and that there was no way to expedite the review and allow for my wife and I to secure airline award ticketing of limited availability for our 30th anniversary/retirement. 

The freeze also looks to result in an effective forfeit of 125,000 MR points. It happened immediately after successful online transfer of XXXX points to my linked partner airline frequent flyer program ( XXXX ), and prevented transfer of XXXX points to my wife 's linked XXXX frequent flyer account. I'd have no reason to travel with XXXX without my wife on this trip. 

The MR supervisor said she'd ask her " backroom '' to ask XXXX for my XXXX transferred MR points back from XXXX, but they now belong to XXXX and MR has no right to have the request granted. 

Furthermore there is no information available online indicating anything other than our MR account is in good order, and I have and was told by MR representatives I may not receive anything in writing about the status of my MR account. The supervisor said that I am best not to attempt any further online transfer of points, because that will only cause the " spin review '' to last longer. 

My American Express / MR account web page nonetheless continues to recommend redemption of my points for numerous awards. 

Had I not made a call to MR after attempting transfer of MR points to my wife 's linked XXXX frequent flyer account ( which triggered a pop up notice that the transfer can not be made at this time pending account review ), I would never in my wildest imagination thought that there would be anything more than a short ( 20 minute - 1 hr ) review -- let alone an 8 week review, and that all my reward points were frozen -- not just those I tried to transfer. 

The MR supervisor said she sent a " complaint to corporate, '' but could send me nothing in writing about it, could not identify who/what is " corporate, '' and could not tell me if I would get a response. 

There is also no information about a " spin review '' in any contract terms have with American Express, or any discussion of freezes of MR points. 

I ask that you do what you can to resolve this unacceptable situation, which has taken it's toll. 

Thank you.

Company response to consumer: Closed with explanation