vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I contacted American Express regarding my membership reward on an account that I have had with them since XX/XX/XXXX. I explained to the representative what I wanted to do with the membership rewards and he told me that my particular rewards program did not allow me to do what I was asking about which was transfer points to an affiliated partner. He at that point SOLD me on an additional credit card that American Express offers that I could do that with. I gave him the go ahead to open a secondary account with the understanding that I would be able to transfer the points to a rewards member. When I received the card, I called American Express to make that transfer and was informed that this new card did not allow what I specifically had asked for to do either. I spoke with a supervisor who was very apologetic and told me that American Express would listen to the recorded conversation as this is not their practice to open unnecessary accounts. She offered a {$200.00} statement credit, which I did receive, and led me to believe that American Express would be addressing the issue. She also discouraged me from closing the account. Two months have passed and I have not heard anything from American Express. I truly feel that I was fraudently led in to opening a secondary account under false pretense. 
I am not sure what if anything can be done but would appreciate some guidance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 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: NC

Complaint narrative:
I'm not sure exactly when I discovered that may Equifax credit file is basically blank. Showing only one account in my history and no current accounts at all. I have requested my credit report from Equifax several times through XXXX   but always received information back that my information didn't match so I needed to send in proof. I started using XXXX  XXXX XX/XX/XXXX to start trying to figure out what was going on with my credit. I have been a victim of identity theft and wanted a way to try and monitor credit on my own without paying a cost. This is when I saw that my address of Equifax is a Texas address that I did live at but over 10 years ago. The address is showing as current. So this is the reason I believe that my credit file is blank because the address is showing Texas but I live in NC. From XX/XX/XXXX-XX/XX/XXXX I have sent documentation to Equifax but always received information back that I needed to send in the same information proving my address. I had done this several time. I got frustrated and decided just to not care and hope it would get fixed. 

XX/XX/XXXX I decided to try a different approach. This time I sent the request to update my address certified mail. I received a document from Equifax that was dated XX/XX/XXXX that my address was updated based on the documentation I provided. As of today XX/XX/XXXX my address on XXXX XXXX for Equifax still has the old Texas address. I was apart of Equifax breach and have access to free credit reports through Equifax also. My address on TrustedID Premier provided by Equifax is still showing the old Texas address. 

I emailed Equifax on XX/XX/XXXX and asked why the address had not been updated based on the letter dated XX/XX/XXXX saying it would be updated. The response was to call and speak with a representative. Calling provides me no way to document what is going on. It allows Equifax to continue to give me the runaround. 

I would like my credit report updated to show my current address not a address from over 13 years ago. This shouldn't be a process that takes years to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My complaint has to do with merchant refunds not credited to my bank account On XX/XX/XXXX XXXX refunded XXXX to our bank account under my husbands debit card number On XX/XX/XXXX I called Citibank to find out where this credit was The supervisor told me that it was pending and it would be released and credited to our account at close of day ( XXXX ) I never received the credit so I called XXXX and they reassured me ( and verified through a ARN tracking number ) that the credit was issued The manager from XXXX called Citibank and initiated a three way call The Citibank rep stated that there was no credit pending and I would have to wait 10 more business days before filing a dispute She said that whoever told me on the XX/XX/XXXX about seeing a credit was mistaken because it is impossible to see anything on their end until it actually posted The citibank employee right out lied to me The Wayfair manager then gave the citibank rep the ARN number ( the bank tracking number ) and told her that the refund was issued and this tracking number was used to make sure XXXX had dispersed the funds He explained that the refund was received by citibank and there was no reason for my account to not have been credited I then asked if I could file a complaint dispute through email or fax I sent a fax along with a letter from XXXX but still have not received a credit I suspect that something or someone on the Citibanks end is holding or stealing any refunds going into our account I have never had any refund not credited within 24 hours after the merchant issues it I am really convinced there is something going on with our account as we are filing another separate complaint about another XXXX refund that we have not received Please check into this matter ASAP as bank fraud could be involved

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 2018-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MI

Complaint narrative:
I have previously tried to resolve this with XXXX numerous times and each time they failed to address that matter at hand. I went on to file a XXXX complaint to which they also failed to respond. The complaint was closed as " unresolved '' due to their failure to address this issue. I have attached a copy of the XXXX  response. The XXXX   suggested I open a CFPB complaint. When trying to resolved the issue XXXX just sends me generic response letters not addressing the matter at hand. Only sending me a " credit reference letter ''. XXXX, as a furnisher, is required by the FCRA to UPDATE any information reporting to the CRA 's. According to their own records my loan was in forbearance from XX/XX/XXXX- XX/XX/XXXX however it is reporting late on my credit report. I have previously attached an FTC advisory opinion stating their responsibility in this matter and they have continue to ignore it. I again attached this FTC advisory stating such obligations. They are obligated to UPDATE my file and have failed to do so. I expect my credit report to be updated immediately reflecting the forbearance I was granted. XXXX is ignoring FCRA regulations and is not responding to a XXXX complaint or the matters addressed in it. Their failure to adhere to FCRA and FTC regulations is hindering me from obtaining the best rates when obtaining a home causing me financial damage. I plan pursue financial restitution if this simple matter is not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear Sir or Ma'am, I think this is what some note as a balloon loan ( Wells Fargo Home Mortgage over a certain $ amount ). No one at a XXXX law firm seems to want my business ... Has the statute of limitations run out? I have a Wells Fargo mortgage investor that claims their is no evidence for existence of this loan? ( XXXX XXXX XXXX of WF working on this fax # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ive also sent her phone contact to you via email ). Maybe if a nice phone call from your department could be left on her voicemail- a little fire might help them find the aforementioned mortgage policy/loan. They are claiming that they are not able to find anything bc the note was paid off. Hmmm? 

I called them the entire time we were moving to XXXX and they lied to me the entire time ( recorded phone calls/emails- that everything was fine ). They then had XXXX XXXX, our rental agent at XXXX, email us one day before the law offices sold the property. They then later claimed that they did not have to tell me anything since the mortgage was not in my name ( my wifes name was on the note ). My wife was VP and Head of HR, at XXXX XXXX XXXX ( XXXX  drug manufacturing facility XXXX XXXX, OH, and I was moving us and taking care of everything because her job was so intense during the relocation. XXXX was devastated and had a XXXX XXXX ( medically documented XXXX ) soon after this and had to quit her job- a reason not an excuse! This was the home we had planned to retire to! 

We have lost years of rental income ( 3 units heart of downtown XXXX ) from this and I would like to know a little about whom or what organization is profiting. 

I tried to do this the right ( nice ) way by working through consumer affairs and the XXXX  ... 
A little caveat- my mothers home mortgage is with WF. 

Here is the letter from the agent that was handling the rentals at the time. 

XXXX and XXXX, Attached is a file containing 5 pages as follows : Pages 1-2 :  Letter from the law firm representing Wells Fargo. 
Pages 3-4 : Copy of the notice that will be placed in XXXX XXXX XXXX. 
Page 5 : Letter from another law firm seeking your business on this matter. 

This is everything we've received regarding XXXX XXXX XXXX thus far. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Fax XXXX XXXX XXXX, Team Leader | mobile XXXX XXXX XXXX, Sales | direct XXXX XXXX XXXX, Property Management | mobile XXXX XXXX XXXX, Administrative Assistant | direct XXXX Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
In early XX/XX/XXXX I received a notice of a collection account placed on my XXXX credit report from Williams, Rush and Associates, LLC at XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX, TX XXXX. The original creditor is noted as XXXX ( educational ) for a debt from XX/XX/XXXX. This is an unknown account to me so I took steps to dispute the transaction with XXXX. A few days after the appearance on my credit report, I received a phone call at home from the collector. I explained that I was unaware of this debt and had no idea what it was. The agent said a letter had been sent back in XX/XX/XXXX, however, the address they had on file was an address I have not lived at since XX/XX/XXXX. Interestingly, upon further review, I see that Williams Rush had done a soft pull on my credit report in XX/XX/XXXX, which means they would have had access to my correct address as well as the fact that a debt from XX/XX/XXXX should have had the correct address listed with the original creditor. I asked for something be sent to me in writing at my correct address so I can dispute the debt. To date I have received nothing from Williams Rush giving me the opportunity to respond with a validation request. 

Currently, there is an extended fraud alert placed on all three of my credit reports in late XX/XX/XXXXas it was discovered that someone was using my social to try to obtain credit cards throughout XX/XX/XXXX and XX/XX/XXXX. The second call I received from Williams Rush in XX/XX/XXXX, the agent claimed that I would have to prove identity theft with them in order to not be liable for the debt and I would need to file a police report. Per discussion with my local police department, they do not do identity theft reports unless actual theft has been proven, which it has not. I am very frustrated that I can not get anything written or sent to me from this collection agency regarding a debt for me to be able to validate or dispute it. They are also responding to credit report disputes as valid without proof. 

My research shows that XXXX ( the original creditor ) is a tribal payday lender, who is not licensed to lend in the state of Texas.There are multiple complaints against this company for their illegal practices. I find it very concerning that a collection agency is reporting collection accounts on unproven payday loans on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group
State: MA

Complaint narrative:
Velocity Investments LL and XXXX bought lending clubs junk debt. They left an envelope on my steps claiming they are going after my wages. What?? Why the hell are these guys. Seems like a scam but googling them it looks like this is their business model. I have nothing to pay them so I find the fact they left an envelope on the steps at a condo building with the wrong name on it pretty sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: CT

Complaint narrative:
XX/XX/XXXX-XXXX hard inquiry XX/XX/XXXX-XXXX hard inquiry Both are on my report, having been told they will be there for 2 years when it wasn't me, I was a victim of idenity theft though no balance ever occured, no loss of funds were obsessed by me, therefore was told by my local police Department no report was required.

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 2018-04-24 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: CT

Complaint narrative:
XX/XX/XXXX-XXXX hard inquiry XX/XX/XXXX-XXXX hard inquiry Both are on my report, having been told they will be there for 2 years when it wasn't me, I was a victim of idenity theft though no balance ever occured, no loss of funds were obsessed by me, therefore was told by my local police Department no report was required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
There is a collection that just appeared on my credit file through MIDWEST RECOVERY SYSTEMS collecting for XXXX XXXX, I have never had an account with XXXX XXXX. this is fraud. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
I had received a medical bill from XXXX XXXX hospital, service date XX/XX/XXXX for {$2700.00}, It had been sent to United Collection Bureau Inc. XX/XX/XXXX.ref #  XXXX. I had set up a payment plan with them starting XX/XX/XXXX, of at minimum $ XXXX/mo. paid XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}, XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. 1XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$200.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- not written down?, XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. 8/18- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$50.00} XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00} & {$50.00}. 
for my last payment of {$79.00} I was no longer able to pay this account online. said i needed to call to re-register. so i called the number and they told me the account was no longer with them it had been sent to an attorney. (? ) they said they could not discuss the account with me or the schedule of payments that had been made. gave me the number for the attorney, XXXX, XXXX, XXXX XXXX XXXX. the person i spoke with there said they had just received the file XX/XX/XXXX- 2 days before my due date. and to pay online or over the phone there would be an additional fee. also stated there was an additional account with them for me from a radiology company for {$230.00}. I have no idea what this would be. she also gave me the file # to reference when sending a payment, File # XXXX. 
But my complaint is that i had been paying on this as well as 5 other medical facility bills and with the last payment they transfer it to another company so it will be again reported on my credit as a new account. when i had been paying and ready to pay off- for one i had no notice written or otherwise that this was going to be transferred or i would have paid it off prior to the transfer. I am sure this happens a lot to others as well and it is not a fair thing to do when a consumer is actually trying to do the right thing in paying their debt. I am familiar with the credit bureau rating on these accounts as i watch my credit often. And a newly reported collection does not fair well on ones credit report/scores. it is bad enough that once it is reported and you start paying on it your credit takes a hit every month just because there is activity on a collection account. but to have these companies transferring the debt all the time to report as new debt is not a Fair or right thing to be doing. I appreciate your assistance in resolving this issue. I would be able to pay the debt if they would stop adding additional fees, and transferring it to places without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC
State: KS

Complaint narrative:
Healthcare Collections has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Due to the Equifax breach I placed a freeze on my Equifax credit report-I received a pin number to manage this freeze. I wanted to temporarily lift the freeze and my pin number didn't work. I tried to resolve this online and the system was unable to process my request. After countless attempts and a considerable investment in time and aggravation and numerous contacts, I was able to speak to someone who hopefully has resolved my issue. My concerns are : 1. Nobody was able to tell me why my Equifax provided pin didn't work-only that I needed to expend more time and energy to resolve their problem.

2. I was unable to address this on-line in an expeditious and easy manner 3. Why am I and my information being held hostage by Equifax limitations in resolving their errors?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I retired and PurchaSE MY HOME for my Primary Retirement living. I have been living in my home as of XX/XX/XXXX. MY MORTGAGE CARRIER WAS AMERICAS SERVICING COMPANY CONTINUALLY UNTIL XX/XX/XXXX I RECEIVED A LETTER FROM WELLS FARGO ADRESSED AS A RECAST AGREEMENT AND THAT MY MORTGAGE WILL NO LONGER BE WITH AMERICAS SERVICING COMPANY BUT WILL BE UNDER THEM. 
A BREAKDOWN PAYMENT TABLE WAS DONE FOR FUTURE PAYMENTS. STARTING XX/XX/XXXX AND CONTINUALLY THROUGH THE TERM OF MY MORTGAGE. 
MY INCOME AFTER RETIREMENT ARE AS FOLLOWS. ON THE FIRST OF EACH MONTH MY PENSION WILL BE SENT TO MY ACCOUNT AT MY BANK AND THEY WILL FORWARD MY MORTGAGE TO THE CARRIER. EVERY THIRD WEDNESDAY OF EVERY MONTH MY SOCIAL SECURITY WILL FOLLOW. 
IN XX/XX/XXXX I RECEIVED A LETTER FROM WELLS FARGO THAT MY MORTGAGE WAS DUE. I CONTACT THE BANK THEY HAVE IN XXXX XXXX TO SPEAK TO A MORTGAGE MNGR OF WHICH THEY WERE NONE SO I SPOKE TO A STAFF WORKER AND GAVE HER THE DOCUMENTS OF MY PAYMENT.AT WHICH I WAS INFORMED NO STAFF COULD HELP SO THEY MADE COPIES AND SEND SUCH TO THERE RESOLUTION DEPARTMENT. 
I WAS CONTACTED AT HOME ABOUT TWO WEEKS LATER AND TOLD AFTER CHECKING MY INFORMATION THE PAYMENT WAS MADE SO DON'T WORRY. 
I NOW RELAX BECAUSE THE PAYMENT WILL BE MADE ON THE FIRST OF EACH MONTH FROM MY PENSION BY MY BANK. AFTER A FEW MONTHS I AM NOW CONTACTED BY MY BANK THAT ELECTRONIC CHECKS ARE BEEN SENT FOR PAYMENT IN THE AMOUNT OF {$740.00} FOR MY MORTGAGE. 
I INFORM THE BANK THAT THEY ARE NOW MY CARRIER BUT SHOULD NOT BE TAKING ANY PAYMENT FOR MORTGAGE OUT OF MY SOCIAL SECURITY AFTER RECEIVING THE MORTGAGE ON THE XX/XX/XXXX OF EACH MONTH ALREADY. 
IT BECOMES A NIGHT MARE WELLS FARGO HAVE NOW BEEN TAKEN MY SOCIAL SECURITY ALL OF XX/XX/XXXX AND IN XXXX AND XX/XX/XXXX. i WENT TO THE SOCIAL SECURITY OFFICE AND NOW COMPLAIN BECAUSE I RECEIVED NO PAYMENT FOR XXXX AND XXXX. THEY NOW CHECK AND MAKE A NEW ARRANGEMENT FOR ME TO BE COMPENSATED AND HELP ME TO FILE A COMPLAIN MOST OF ALL MAKE SURE I AM FULLY REFUNDED FOR MY LOSS. 
I WANT AND WILL ONLY SETTLED FOR FULL PAYMENT OF ALL MY MONEY STOLEN BY WELLS FARGO TO BE PAID BACK TO ME IN FULL. 

THANK YOU VERY MUCH FOR GIVING ME THIS TIME. 
I WILL HAVE DOCUMENT AND COPIES SENT TO YOU VERY SOON.

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