vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
On XXXX XXXX XXXX I requested a balance transfer, via phone, from my Wells Fargo XXXX XXXX card. I gave the XXXX digit number of the credit card I wished to pay off. I gave the last XXXX digits of the Wells Fargo XXXX, the last XXXX digits of my SS, my full name, and my full mailing address. I was told at that time the transfer was on it 's way. I monitored both cards and a week later I noticed the card I was trying to pay off had not been paid off. I checked my Wells Fargo account and noticed XXXX transactions. XXXX taking money out of the account ( to pay off other CC ) and XXXX returning that same amount back to my WF CC. I called WF and they said XXXX XXXX refused the electronic transfer. I told them the CC I was paying off has never been associated with any XXXX XXXX  Then WF sent me a cashier 's check payable to myself and XXXX XXXX I have never had an account with any XXXX XXXX. WF would not tell me where XXXX XXXX is located. I had WF stop payment on that check. And asked them to send the balance transfer to my XXXX XXXX, the holder of my XXXX XXXX. They told me that I was all set. A week later, on XXXX XXXX I asked again where my balance transfer had gone. XXXX XXXX. Again, I told WF that the card is NOT associated with any XXXX XXXX. WF escalated my case to the XXXX branch. Today, XXXX XXXX, I have repeatedly call to get a check sent solely to me to pay off this balance. They now want the XXXX digit security code on the back of my Wells Fargo Visa. I will not give it to them. XXXX times they have tried to pay this card without that XXXX digit security code, therefore they do not need that number. Can you help me resolve this. Thank you in advance for your help.

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 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX XXXX, I mailed to Experian via XXXX certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX XXXX  XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. The identity theft report also included inquiries. 

The documents were delivered to Experian on XXXX XXXX, XXXX, in XXXX TX. 

To date, I have not received any information related to the above information and report.

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 2017-10-05 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: DISCOVER BANK
State: CA

Complaint narrative:
i got a personal loan, with discover personal loans, i maid my payments every month on time, even befored the do date, im a person that likes to paid correctly, my debts to credit companies, and i dont see why, the credit card companies never report the correct information to, the 3 major credit bureaus, every month correctly, because, reporting to them that we have a balance, when we dont have a balance, now that damages our credit score, because credit bureaus, use this information to drop down our credit score, this means that our credit score never gets better, and unfortunatelly us consumers we need a good credit score to survive in this country, but, with the credit card companies reporting the wrong information to credit bureaus, it doesnt help, now when i contact them, they allways are full of excuses, or send the problem to the credit bureaus, that means a dispute that could been fix, with the credit card company to begin with, because a dispute with the 3 major credits bureaus, is dificult to get fix, takes longer and, they allways drop the case, saying that there is nothing that they can fix, or send us back to the credit card company, truly, there is no win the situation, and us consumers we take the hit, looking to our credit to drop bad, and thats my complain

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Glass Mountain Capital, LLC
State: OH

Complaint narrative:
I Received a call XXXX XXXX, XXXX at XXXX from XXXX in regards to a XXXX XXXX XXXX account that is XXXX XXXX XXXX from Glass Mountain Capital XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX, XXXX XXXX. I informed the representative that I am willing to settle the account for XXXX of the original debt. The representative then transferred the call to someone who could arrange this payment. I then began to discuss the same guidelines with the next representative. She then informed me that see could see my existing credit card with other establishments with Balances of XXXX and XXXX XXXX dollars. Which I believe to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). I have never heard of a company leveraging existing account to force a payment from a client. I hung up and called the company back and asked to speak to an supervisor who refused to provide me with the information needed to reach out to the Consumer Financial Protection Bureau. I asked where the received their license to collect debt so that I may call and lodge a complaint. The supervisor dismissed my request and transferred me yet again to another unhelpful representative who could not and would not answer any question I had with regard to their practices or licenses. I ultimately received the CFPB from a fellow professional who was absolutely shocked by the manner in which this was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX Transunion, and XXXX No one has yet to validate this debt! 

Also, I have requested for XXXX to remove hard inquiries from my XXXX XXXX that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.

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 2017-10-05 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: MS

Complaint narrative:
I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX XXXX, and Experian. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.

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 2017-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my XXXX XXXX XXXX XXXX XXXX. I have written several letters to XXXX XXXX to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
THIS CONSUMER FINANCIAL PROTECTION BUREAU ( " CFPB '' ) COMPLAINT ( S ) IS ( ARE ) RELATED TO MY PREVIOUSLY FILED CFPB COMPLAINT ( S ) AGAINST YOUR SO-CALLED, XXXX CREDIT REPORTING AGENCY/CORPORATION THAT IS ( ARE ) DOCKETED AT XXXX, ET. AL. I HAD THIS BANK OF AMERICA ( " BOA '' ) CREDIT CARD SINCE THE YEAR OF XXXX, AND I HAD NEVER EVER BEEN LATE WITH A PAYMENT, AND/OR EVEN EVER MISSED A PAYMENT, AND ETCETERAXXXX IT WAS NOT UNTIL NEGATIVE CREDIT INFORMATION PURPORTEDLY APPEARED ON MY SO-CALLED, XXXX CREDIT REPORT WAS WHEN YOUR SO-CALLED BANK OF AMERICA HAD DECIDED TO TOTALLY ILLEGALLY AND TOTALLY UNLAWFULLY AND TOTALLY FRAUDULENTLY AND TOTALLY WRONGFULLY, AND ETCETERA,  CLOSED MY BOA CREDIT CARD ACCOUNT WITH ITS HIGH CREDIT LIMIT. YOUR BOA HAD ALSO TOTALLY ILLEGALLY AND TOTALLY UNLAWFULLY AND TOTALLY FRAUDULENTLY AND TOTALLY WRONGFULLY, AND ETCETERA, LISTED MY MINOR DAUGHTER, " XXXX '', AS A CO-OWNER/CO-BORROWER OF MY BANK OF AMERICA CREDIT CARD ACCOUNT ( S ). EVEN AFTER I HAD REPEATEDLY STATED TO YOUR BOA, THAT MY DAUGHTER, " XXXX '', WAS MINOR, THEREFORE, COULD NOT BE LEGALLY RESPONSIBLE AND/OR LEGALLY ASSOCIATED WITH ANY CONSUMER CREDIT CARD ACCOUNTS, ET. AL. I HAD ALSO STATED TO YOUR SO-CALLED, BOA, THAT THERE WAS/IS ONLY ONE PERSON/INDIVIDUAL THAT WAS/IS EVER ASSOCIATED WITH SAID BOA CREDIT CARD ACCOUNT, WHICH WAS/IS, ME, XXXX 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 2017-10-05 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: TX

Complaint narrative:
Some of the credit inquires on my report were not authorized. I have been in contact with the companies and credit reporting agencies regarding this matter. Credit reporting agencies told me to contact companies and the companies told me to contact credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: State Home Mortgage
State: GA

Complaint narrative:
I would like to file complaint on State Home Mortgage. I have been with this company for a decade and I have always had such difficulty with loan servicing with them. The personnel there is very rude and are not there to support the home owner in any way. 

1. On XX/XX/XXXX I received a 6 month forbearance after receiving payments of {$710.00} from me once last payment from XXXX XXXX XXXX ended on XX/XX/XXXX. 
2. On XX/XX/XXXX I received a modification trail plan payments to be effective for XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX, which I paid as agreed. I continued to make the trail plan payments until XX/XX/XXXX. 

My complaint is that XXXX XXXX XXXX XXXX never issued me a permanent modification. They signed the modification plan/contract on XX/XX/XXXX to start the trail plan agreement. In the interim, I 've received a coupon book in XX/XX/XXXX for payments of {$710.00} starting XX/XX/XXXX with interest rate of 4 % which is not in line with the modification agreement which stated an interest rate of 3.5 %.  Which were the payments of {$680.00} that they 've collected from me the months of XX/XX/XXXX-XX/XX/XXXX. 
During the time of waiting on the said modification to be approved, life has happened where I struggled to get payments in for XX/XX/XXXX and XX/XX/XXXX. I sent a check/payment in to State Home Mortgage for the amount of {$1500.00} for the months of XX/XX/XXXX and XX/XX/XXXX plus coverage for any late fees assessed on XX/XX/XXXX. I assumed I would need to pay the {$710.00} after receiving no response from emails and seeing that my online account had not been updated to reflect accurate information. 

I have been in constant contact with XXXX XXXX and has filed a second investigation with them. They are also confused on what has happened after their last in counter to remedy this issue with State Home Mortgage after they had advised them to place me on the Streamline Modification. I have also had to obtain a lawyer to communicate on my behalf going forward due to so much push back from XXXX XXXX of State Home Mortgage on providing me with the correct information on my case to save my home from any other delinquencies and/or foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XXXX XXXX 2017, I went to my XXXX XXXX XXXX. I went to the customer service center to purchase two money orders. Upon letting the cashier know that I wanted to purchase two money orders, the store associate ( XXXX ) told me that she would not help me. Upon asking her why, she said that store management has decided to implement a policy against XXXX persons and people who look like me. I asked to speak to the manager ( XXXX ) who said that particular store did not provide customer service to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I WAS INVOLVED IN HURRICANE BACK IN 2012 AND MY HOME INSURANCE COMPANY SENT OUT A CHECK FOR {$5500.00} FOR REPAIRS TO MY HOME AND PUT CHASE BANK-EMC AND MY NAME ON THE CHECK DUE TO THE HOME LOAN I HAD WITH YOUR COMPANY. I HAD TO GET CHASE BANK EMC TO SIGN THE CHECK IN ORDER FOR ME TO CASH IT SO I SIGN THE CHECK MAILED IT TO CHASE BANK EMC AND THE COMPANY KEPT THE CHECK AND NOW I AM SEEKING A FULL REIMBURSEMENT FOR THE CHECK.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient sold me high interest student loans that totaled over XXXX}. My private student loan repayment, not including federal loan payment, is increasing from XXXX to approximately XXXX} in XXXX ( Navient refuses to tell me the exact amount ). I became unemployed in XXXX. Navient 's website said there are options to lower your private student loan payment if you can not afford it, but you have to call to find out what they are. I called and was told that there are no options and that I need to ask my co-signor for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX I was approved for a XXXX XXXX XXXX XXXX. On a conversation over the phone with a XXXX representative I was told I would NOT have to make any payments on this account for one year, until XXXX XXXX XXXX I 'm not sure why XXXX XXXX, rather than XXXX XXXX XXXX. That is also what all marketing for the card indicated, and it is why I signed up for the card. The phone call I made was to confirm this information. 

I was able to transfer a balance from a XXXX XXXX credit card of XXXX to the XXXX and I made some purchases. 

Within the last week, the final week of XXXX XXXX, I checked my credit score and was shocked to see that I had a series of missed payments for the XXXX and my credit score had tanked. I called XXXX and was informed that I was supposed to be making a payment each month, contrary to what I was told when I signed up for the card, and the marketing advertising the card. 

I immediately paid my " missed payments '' in full. XXXX was willing to admit fault on their part to the extent that they refunded all late fees but they said they were unwilling to remove the negative marks on my credit report. 

This is seriously affecting my future and I feel I was intentionally misled by XXXX. I 've talked to a total of four different XXXX representatives, during the last week of XXXX XXXX and the first week of XXXX XXXX, and none have been willing to help me remove the negative marks from my credit 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 explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: FL

Complaint narrative:
XXXX XXXX advised me that they could get loan forgiveness for me. They they told me that I qualified for loan forgiveness and that I just had to pay a fee each month to cover their cost for paperwork in and writing off the amount each month I think that fee was around {$39.00} a month recently spoke with the Department of Ed who informed me that this is a scam company that they do not have the power to do this and that now Im a year behind again. I have to pay the additional interest now Im further behind than Ever. My husband and Ineeded to do this because I lost my job. After about 3 months I found an Occasional job at much lower Pay. I am XXXX looking at retirement, my husband has retired. our income is very limited and we now owe the additional interest. I am going to be stopping work and wont have money to pay this back because I still owe XXXX this company has just devastated me even further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I mailed to XXXX via USPS certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX # XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. The identity theft report also included inquiries. 

The documents were delivered to XXXX on XXXX XXXX, 2017, in XXXX TX. 

To date, I have not received any information related to the above information and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Some of the credit inquires on my report were not authorized. I have been in contact with the companies and credit reporting agencies regarding this matter. Credit reporting agencies told me to contact companies and the companies told me to contact credit reporting agencies.

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 2017-10-05 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Some of the credit inquires on my report were not authorized. I have been in contact with the companies and credit reporting agencies regarding this matter. Credit reporting agencies told me to contact companies and the companies told me to contact credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I was on the site XXXX Which is an auction site for foreclosures that banks are trying to sell I properly setup an account I saw a property in my home town of XXXX XXXX the property address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was owned by Ocwen Mortgage to whom I had to get approved by them to end the auction at the buy it now price of XXXX XXXX dollars which they asked if I was willing to accept the property for the price with the house having extensive damage with necessary rehabilitation to live there and I agreed on the basis that I would need financing of the property price not the repairs just the price they had aggreed to end the auction with approval for financing I sent over my information gave my notice at my apartment I lived in and set up all necessary information for the closing process started packing my home and the bank Ocwen called and said so how will you be paying for the house I replied I thought that you were going to finance me they said no we are n't going to do that I said that was our agreement they said no you need to secure financing on your own they then relisted the house and left me homeless I 'm hoping something can be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX, Education Loan being serviced is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX  XXXX XXXX, XXXX is servicing a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my XXXX XXXX XXXX XXXX XXXX I have written several letters to XXXX XXXX XXXX, XXXX to resolve this matter.

Company response to consumer: Closed with explanation