vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX COMPLAINT : To whom it may concern ; I had used a XOOM Money transfer to wire money through phone apps program that I have. I have an online account with XOOM, which is owned by XXXX. I initiated a XXXX U.S Dollars money wire transaction from my Checking Account ATM card of XXXX XXXX XXXX  through XOOM. This transaction was done using XOOM Money service to transfer money to country of XXXX to ( XXXX Account and IBAN number : ) to my sibling XXXX XXXX. 
XOOM Transaction confirmation is XXXX. 

It has been 4 calendar days since I did this transaction with XOOM.com a money transfer XOOM representatives have given me two false phone instant messages claiming to have send the money and completed the transaction indicated it was deposited into the XXXX Account reference above. 

Upon having my sister XXXX XXXX whom supposed to receive this wired money I asked her to check her Bank account online. This account summary which is enclosed as evidence does not show any deposit of that date or amount at all. Zero transactions on XX/XX/XXXX. In the amount of XXXX US Dollars. This is clear evidence that XOOM is defrauding customer of XXXX  through their unreliable and dishonest money transfer service which has failed to complete transaction and has cause an alarm by sending a fake message to my phone showing the transaction was completed. 

I am sending you all the transaction screen shots and XOOM direct emails and messages as an evidence of their evasive customer service and defrauding corporation base in XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
These choices weren't really up my alley on what I'm seeking help or information for, I'm going to paste the email I sent to dept of education bowworers defense. I haven't got an answer or reply from them so I'm reaching out to multiple people to see what my options are. 
" I actually have 2 different reasons i could possibly get borrowers defense for, just need some insight and a point in the right direction. 

the school i was attending closed, the problem is that its past the 120 day mark. I was a straight A student ( still have all deans highest honors certificates ) for the almost 2 years there. It was going to take me longer than 2 because i worked full time and went to school part time. While enrolled in school i was going to become a first time father real soon. I explained to everyone of my teachers the situation ( working full time and a father ) and not only told but asked them about taking some time off school and coming back when i got situated. not only did i get the approval i would get check up phone calls and emails on how i was doing and coming back. I had every intention of finishing my degree especially knowing i didnt have much left at all, then i found out on XXXX that it closed for good. 
my federal loans are through navient ( lawsuit against how navient handled loans ) while i was off my loans got put into deferment, i don't know much on how they ended up in default and with navient, i wasn't aware of the massive interest deferment would build up, i didn't learn about this until i tried to purchase a home for my family. My credit score had got completely destroyed, after getting a hold of navient, having my taxes taken twice, i was able to get an income driven plan set up, took a lot of money and time to get them in good standings, they gave me 2 years worth of deferment not knowing the interest penalty i would end up with ( used some here and there during tough times before i just learned what they are accused of ). and with the little bit of money I make and supporting a family without my degree i accumulate way more interest than i can even afford as a payment, it just went up over {$1000.00} on my credit last week. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is inaccurate data on my credit report and when I filed a dispute, they sent me a confirmation number saying the investigation was complete but I was not able to view the results or my credit report. When i contacted support, they said they are unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Lender Inc
State: WV

Complaint narrative:
I had an account with this company last year to build my credit score. There was an issue when I switched banks the website would not allow me to add my banking information. I was late on my payment because I could not pay my bill online and there was no other way to pay it. I called the company to fix the issue and I emailed them and it wasn't fixed. my credit score has been impacted by this reporting because I was reported as being 60 days late. I tried to just use this information with the credit bureaus with no success and the company will not budge on its reporting of my payment history which is upsetting because rather than build my credit it actually hurt it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: NJ

Complaint narrative:
I CONTACTED TRANS UNION XX/XX/XXXX AND XX/XX/XXXX IN REGARDS TO THE HARD INQUIRIES ON MY CREDIT AND STATED OUT OF THE 12 I ONLY AUTHORIZED 1, I WAS TOLD I HAD TO SEND OUT A LETTER THAT I HAVE ALREADY DONE IN REGARDS TO THESE CREDIT INQUIRIES ON XX/XX/XXXX I CALLED BACK AND STATED I BELIEVE I WAS A VICTIM OF AN INQUIRY ISSUE AND THE REPRESENTATIVE ASKED WHAT INQUIRIES AND I STATED ALL OF THEM EXCEPT ONE AND HE STATED ITS NOTHING HE CAN DO THE REPRESENTATIVE BEGAN TO GET VERY RUDE AND OBNOXIOUS WITH ME I TOLD HIM TO HAVE A GREAT DAY AND I ENDED THE CALL. 
1. XXXX XX/XX/XXXX AND XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX   XX/XX/XXXX 11. XXXX  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 2018-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had filled a complaint # XXXX with Equifax, after I filled my complaint I received more supportive documents " attached " from XXXX, the creditor in question. However I was not able to submit my supportive documents on line to yo " proving that XXXX did their part and Equifax has not. 
After speaking with your representative on XX/XX/2018, I was informed perhaps it is a good idea to start another complaint and include my new supportive documents. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company is reporting a fraudulent account that doesn't belong to me and they will not remove this incorrect fraudulent account obtained and use by someone as I'm a victim of identity theft Experian previously removed this account and it was handled and then just randomly they put this account back on my credit file. 
I have sent them police reports and notifications for removal again and they have not notified me of the results and it has been well over 30 days and they are not properly handling this This is not being handled and needs to be removed immediately from my credit file as it violates many rules and regality ons and Experian should be fined and penalized I will be filing additional claims on this until fully resolved

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 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC
State: OH

Complaint narrative:
XX/XX/2018 XXXX hrs - This person called me and was looking for my father. They would not identify what company they were from nor would they state the nature of the call. I assumed they were debt collectors. 

She then rudely hung up on me once I explained I wasn't my father. I called back to tell them that I was reporting this call and that I was recording this call. 

I have never seen or heard of any debt collector behaving in this manner. I am on the do not call registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc.
State: GA

Complaint narrative:
This is my second complaint against Credit Collection Bureau in regards to collecting for a XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX Today I received Validation of Debt documents from Credit Collection Bureau and as previously stated in my prior complaint I AM NOT THE RESPONSIBLE PARTY for financial obligation. In the contractual agreement # 4 " I will pay in full any cost of treatment or insurance copayments according to the office 's financial policy. I understand that even if an insurance pre-estimate is given or a procedure has been preapproved, I am responsible for any cost that my insurance does not cover. '' Patient or Guardian name signature is my father signature and my mother is the witness. My father signed the contract and took responsibility due the fact I was an unemployed college student during the time of rendered services. I never signed the contract obligating myself to pay a debt in which I knew I had no INCOME to pay. What my father signed the legal binding contract between him and XXXX XXXX XXXX. This greatly concerns me because based on the Validation of Debt documentation sent to me this violates the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( 8 ), and because of my military career a violation of the Service Member Civil Relief Act ( SCRA ). This misinformation in pursuit for payment of the debt by me and a blemish in my credit file is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: HEARTLAND PAYMENT SYSTEMS INC
State: IA

Complaint narrative:
I have had multiple issues, most notably with maintaining my loan deferment status. After calling and speaking to two different representatives I was told that I needed to submit the deferment loan forms every semester of my XXXX program. There are a few problems with this. First, the only option is to mail paper documents, which is inconvenient to do nine times ( my program is 3 years long ) and also elongates the process for obtaining deferment approval, without immediate confirmation. In addition to filling out several forms that includes my social security number, my advisor is required to fill out this paperwork as well ( nine times ) and include my class schedule and a stamp from the university that I am still enrolled. After speaking with my advisor, he is dumbfounded as to why this excessive paperwork is required because the loan company checks in touch with the school each semester anyways. He has never heard of such a requirement. My other loan company, XXXX, only required me to submit these documents a single time and even covers my deferment period months past my graduation date. The words I used when speaking to the representatives at heartland were, " I feel like you are setting me up to miss a payment ''. I am currently a full time CRNA student and we do not have any breaks, so there is no reason for me to have to refill out this paperwork. I am busy with 80 work weeks without any income and I am worried about my credit score. They are horribly hard to get ahold of and speak to on the phone to begin with. As a result, I have begun the process of consolidating my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was told to go into forbearance by my loan provider, navient. I learned about income driven repayment plans from a coworker, I sent all of my documentation and I was accepted for a good plan. I was not notified in a timely fashion that my payment plan was running out, was suggested by my loan provider to go back into forbearance ( all while this is impacting my credit negatively ). I attempted to get the documents to Navient on multiple occasions and their systems were down. My income driven repayment plan was still not completed before I entered into even more financial distress, but the prior payments would have and still are feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Several times a day, I receive calls from an Unknown number. Each time, the caller leaves a different message but provides the same phone number. Im guessing that the calls are from XXXX XXXX. I informed them several months ago that I am in the process of consolidating my debts due to health issues keeping me from working. Ive asked that they stop calling me multiple times a day. The last voicemail message received, the woman said that she was an agent and that my case was placed on her desk to take legal action against me. That if I didnt call back immediately they would be handling my affairs for me. They did not inform me of which company or an account number. Just threatened me. You could hear it in the tone of voice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 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: CA

Complaint narrative:
I have enrolled in the AMEX Offer for XXXX XXXX XXXX Small Business Internet. I have made a payment on XX/XX/2018 for {$200.00} to my XXXX XXXX XXXX Small Business Internet account via XXXX. The transaction posted as follows : XXXX XXXX XXXX HSIA BUS E-EVR XXXX XXXX XXXX XXXX - XXXX TX XXXX UNITED STATES XXXX Additional Information : XXXX XXXX XXXX XXXX HSIA XXXX XXXX XXXX HSIA Reference : XXXX Category : Communications - Cable & Internet Comm I have contacted AMEX via chat twice and phone. I was told that the transaction is not qualifying for the credit because it is a XXXX XXXX XXXX HSIA not XXXX XXXX XXXX Small Business Internet. However, per XXXX XXXX XXXX and by technical standard, HSIA stands for High Speed Internet Access. Therefore, the transaction should be read as XXXX XXXX XXXX High Speed Internet Access Business and should be considered as qualifying purchase as per the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Below is my previous complaint and also the company response. I requested original contract with my signature at time that i received services and proof and authority that XXXX XXXX XXXX can lawfully collect any monies from me but i haven't yet received any of the requested documentations. 

YOUR COMPLAINT I reported an inaccurate information on my credit report, put on there by Southwest credit systems, L.P. they said my balance was XXXX XXXX dollars, now after my complaint they responded and also uploaded few billing statements with my name and my former address on it, this could have been made up, it also shows inaccurate break down of service they claim i had at a former address, i have been harassed with all sorts of promotions from XXXX in the past but only remember getting internet service that was paid for on time and cancelled when i moved from my old address. The billing information they uploaded is very inaccurate and i kindly ask that they provide a full contract with my signature before accepting service that they claim i owed them {$58.00} dollars. Once again i will like to see a contract and i also will like to see documentation giving Southwest credit systems lawful rights to collect any kind of money from me. 


responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Complaint Number : XXXX Consumer Name : XXXX XXXX XXXX XXXX. Response Date : XX/XX/XXXX Southwest Credit Systems , L.P. ( " SWC '' ) is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously, and is grateful for the opportunity to respond. On XX/XX/XXXX, XXXX contracted SWC to collect the unpaid balance of {$58.00} from XXXX XXXX, XXXX, PA. According to XXXX, the account became delinquent XX/XX/XXXX. On XX/XX/XXXX, XXXX received XXXX XXXX first CFPB complaint regarding his account ( reference # XXXX ). On XX/XX/XXXX, XXXX answered XXXX XXXX complaint and provided account validation per his request. The bill copies XXXX XXXX received were provided by XXXX for services rendered. XXXX also stated, We do not have signed contracts for our residential customers. SWC will continue to work with XXXX and XXXX XXXX to resolve this matter. SWC is compliant with regulations regarding collections and credit reporting. If XXXX XXXX or the Bureau has any further concerns, they may reach SWCs Executive Relations department directly at ( XXXX ) XXXX or XXXX. XXXX XXXX Compliance Southwest Credit Systems , L.P .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
After contacting the Department of Education and detmermining unauthorized student loans were taken out in my name i was advised to communicate directly with the student loan servicer Navient. Navient 's fraud dept requested that I complete an ID Thief Affidavit form in order for them to investigate the case. I filed a police report with the XXXX   College 's police dept on XX/XX/XXXX to report the fraudulent loans. On XX/XX/XXXX I filed a Federal Trade Commission ID theft report with the XXXX  College police report attached. This report was sent to Navient via Certified mail, including account numbers, detailed information regarding my identity, my claim and a Notary Seal. On XX/XX/XXXX I received a letter from Navient dated XX/XX/XXXX which stated that Navient closed the case because they were unable to confirm my claim. I contacted Navient for an explanation of the letter. Navient 's fraud dept agent ID # XXXX, started the case on XX/XX/XXXX. On XX/XX/XXXX, the agent insisted I i was required to grant Navient access to a third party entity in order for their investigation to proceed. On XX/XX/XXXX Navient closed the investigation due to " Insufficient information to determine fraud. '' This would mean the case only remained open for 13 days. The initial time frame given was 30 days for the investigation to conclude/proceed. In lue of this time frame not being upheld, I received communication from XXXX  XXXX XXXX XXXX dated XX/XX/XXXX. This notice advised me of a XXXX interest charge and a XXXX collection fee in addition to the Principle Balance in question. I received a Master promissory note via Navient, outside of that I have yet to receive any documentation regarding the validity, application of the loans, documents used by the person that took the loans out, or any other pertinent information to further assist in my research as well as the ongoing investigation.

Company response to consumer: Closed with explanation