vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: ME

Complaint narrative:
In XXXX of 2019 I went to pay my bill online at Avant.com. The website stated my current amount due was {$0.00} so I called Avant and asked if this was correct. They stated it was and said they would send my account to another department to verify this was correct. I waited another week with no response from Avant and decided to follow up to see the status of my XXXX payment. I spoke with another representative from Avant who informed me that everything was fine and my next payment is due in XXXX. XXXX rolls around and Im a month behind and now owe 2 payments. I called Avant back and they assured me everything was fine and their investigations department was fixing the month behind payment. This goes on for three months until XXXX and then they decided to take two payments at once and overdrafted my checking account. I still have not received my overdraft fee back from them and have recently refinanced this loan through a local bank. I was very upset with Avant, their mistake dropped my credit score by 50+ points and they will not resolve any issue or call me back or email me. I would like to have them remove any negative marks on my credit that they have put on it, we are in good standings and theres no reason for them to be on my credit report with negative marks. I shouldnt have to pay higher interest rates because of their mistakes. Thats not fair to me or other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I notice a new student loan was opened in my name i have not been to college in over in 10 yrs how come i have a bill for XXXX dollars thats on my credit i never applied for no student loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XX/XX/2019 I correctly completed and submitted online form for free security freeze. The site states that there is an issue with my data and that I must file by US mail. This is completely balderdash. They are intentionally making it hard to receive this free, required service in hopes that I will just forget about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XX/XX/2019 I correctly completed and submitted online form for free security freeze. The site states that there is an issue with my data and that I must file by US mail. This is completely balderdash. They are intentionally making it hard to receive this free, required service in hopes that I will just forget about it.

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 2019-07-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX sent an alert that a new " hard '' inquiry was just added to my XXXX credit report from " Cbna '' on XX/XX/2019. This fraudulent inquiry could affect my score. I have not approved this inquiry and it should not be listed on my credit 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 non-monetary relief
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had used the app to lock my credit as im a victim or identity theft. I tried to before a loan. Several creditors couldnt pull my report. I contacted equifax over 17 times over 5 days all saying my credit can be pulled but i applied for 5 cards and a car and NONE could get my equifax report. Equifax has consistently showed extreme negligence in handling any issues. 

They also refused to remove identity theft from my report after receiving police reports and identity theft affidavit when the other bureaus did, equifax refused. They also refused to reinvestigate. 
This is now the THIRD time equifax has violated the FCRA ontop of the breach recently. 

This completely shows a constant complete disgregard of the law and gross negligence on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
Disputed that the XXXX XXXX school was adding on large amounts to a debt I knew nothing about never herd of the place until I seen my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: NY

Complaint narrative:
They refused to remove identity theft from my report after receiving police reports and identity theft affidavit when the other bureaus did, equifax refused. They also refused to reinvestigate. 

I had used the app to lock my credit as im a victim or identity theft. I tried to before a loan. Several creditors couldnt pull my report. I contacted equifax over 17 times over 5 days all saying my credit can be pulled but i applied for 5 cards and a car and NONE could get my equifax report. Equifax has consistently showed extreme negligence in handling any issues. 

This is now the THIRD time equifax has violated the FCRA ontop of the breach recently.

This completely shows a constant complete disgregard of the law and gross negligence on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I was unemployed since XX/XX/XXXX but was able to maintain payments until XX/XX/XXXX. I called them once or twice a month as a sign of good faith. I spoke with one representative early on and was told that by law I have at least 120 days before my loan goes into foreclosure. I continued to make calls letting them know that I was diligently searching for a job, but I was also told that I could not apply for a loan modification until I had proof of income. By the beginning of XX/XX/XXXX I called because I wanted to make at least one payment as I had borrowed from family to get that. The rep would not accept it and said they would only accept two payments, and that I should call back when I have two payments. I got a job by the end of XXXX and called them on XX/XX/XXXX to tell them that I had a job and would call in for the two payments with my first check. On XX/XX/XXXX, as soon as funds for my first paycheck was deposited I called Mr. Cooper to make the two payments. As of XX/XX/XXXX I had not reached 120 days delinquency but they refused to accept my payment and told me my loan had gone into foreclosure. It seemed as though their only concern was making sure they got to foreclose on my home. What type of collection company refuses to take payments? I was been grossly misguided about my options and this is a serious and tragic event. They don't really care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On or about XX/XX/2019 TRANSUNION LLC received a letter from me in which I asked for verification of alleged accounts on my credit report. TRANSUNION LLC has refused to respond as I now demand the accounts in question be removed from the credit report of XXXX XXXX or provide the method of verification used to list these accounts on the credit report of XXXX XXXX. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ''. In compliance with this method of investigation provide the following : 1.name, address, and telephone number of each person contacted regarding each alleged account. 
2. A copy of any documents provided bearing my signature, showing that I have a legally binding contract or that positively identifies XXXX XXXX ( such as public records showing full ss # of XXXX XXXX with signature ) as person responsible for or obligated to alleged accounts and public records. 

Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 2019-07-28 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: Integrated Asset Recovery LLC
State: FL

Complaint narrative:
XXXX case # XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. CLOSE THIS ACCOUNT. I AM PERMANENTLY XXXX DUE TO AN INJURY. ALL ACCOUNTS SHOULD BE CHARGED OFF AND CLOSED.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-28 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: NY

Complaint narrative:
Unfamiliar address is going to my account and someone used my SSN and my full name. Open several utilities account opened and opening XXXX, TX. I never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Had a previous complaint # XXXX concerning HSBC Bank whereas they were to have paid me a {$200.00} bonus due to a promotion. Received an email from the VP of Customer XXXX, XXXX XXXX confirming that they were to pay the bonus no longer than 30 days after XX/XX/XXXX. As of XX/XX/19 they have not conformed with the terms of our original complaint, which included this payment. Tried to contact them via phone and email per their instructions and they refuse to answer the calls and have not responded to my email. The terms of the original complaint are recorded under case # XXXX, thus making this a 2nd request and their 2nd attempt at chicanery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: HireRight Solutions, Inc.
State: NY

Complaint narrative:
Unfamiliar address is going to my account and someone used my SSN and my full name. Open several utilities account opened and opening XXXX, TX. I never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I told the company, the owner of the dealership I purchase the vehicle, bought back the vehicle and I transferred the title and they took possession of the vehicle ; but finance company not reducing the sale of the vehicle from my principal, therefore it's in error and I'm not in Collections, but they keep reporting whole balance of loan late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
on XX/XX/2019, I received a letter from the convergent collection in it was stated I owed them money, I replied within 30 days I did not owe them anything via certified mail, now I have received another letter and more phone calls that I do owe this debt ; As a result of their behavior, I have suffered emotional distress ; mental anguish. For God sake, I am XXXX years old XXXX   man this constant harassment from these people is going to send me to straight to my grave.

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 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis removed incorrect details regarding an Accident in XX/XX/XXXX. As a result of this correction, XXXX issued me a {$1000.00} Refund. I switched to another company and the details are coming up again as incorrect. LexisNexis issued me a letter in XX/XX/XXXX assuring me the issue had been corrected. REF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The XXXX XXXX XXXX ( XXXX XXXX/ XXXX XXXX is reporting that it is a bad debt these accounts has been paid in full I would like for them to be deleted immediately.

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 2019-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened up a capital one credit card for XXXX dollars to boost my credit score. I have never used this card, I wanted to keep balance at XXXX. I was informed by capital one the card had a XXXX annual fee, and the card would not be active until it was paid. I have never received a statement for the card by mail or electronic. They finally notified me by phone and told me the fee was ( 3 ) months late, I paid the annual fee, they told me they would wave the late fee 's. I applied for a new home loan and was denied they reported on my credit report ( 3 ) missed payment, it destroyed my score. I contacted them and they said nothing could be done and it would stay on my report until 2026. This will potential cost me thousands of dollars in interest payments. Please stop this attack on consumers and this type of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened an Every Day Checking account with Wells Fargo on XX/XX/2019 where promotion of {$400.00} was offered. The term to receive the bonus was " Within 150 days, make $ XXXX of cumulative monthly direct deposit for three consecutive months. 
I interpreted the condition as making {$3000.00} direct deposit within 150 days and also confirmed with the branch sales person on the same. I set {$2000.00} direct deposit to this new account every month. On XX/XX/XXXX, I was not getting the bonus so I called the customer service. The agent on the call also reviewed the condition and assured me that the deposit will be made soon. On XX/XX/XXXX. I received the letter from the company stating that I am not qualified for the bonus because the direct deposit has to be over {$3000.00} every month for three consecutive month. At that I time, it was too late to adjust my direct deposit because three month will be over 150 days. 
I admit that it was my fault not fully understanding the term on account opening but also the stated term can be misleading as I interpreted as making cumulative {$3000.00} within three month. It was also misunderstood by the agent who helped me opening the account and also the customer service agent who could have corrected me when I was calling to review the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I've attempted to withdraw my funds from paypal for weeks now, though they continue to tell me that the system is automated and that they're unable to allow me to withdraw my funds manually. 

They continue to tell me that the online system sometimes has a hard time ensuring that it is the right person access the account -- while I've verified my identity on the phones and am withdrawing to a bank account that has been allowed to work in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American express refused my application for a new card after being a card holder in XXXX and XXXX for over 48 years. 

I have only a minuinmal credit report based on 1. no activity and 2. education payment by one of my children AND 3. Just returning to USA after working for years out of the country. 

So American express simply rejected my card transfer. OMG after years of good credit with them. And offered no help, no interest, nothing. 


There policy is so terrible and the credit report is so so misleading. And they should no interest in check y credit ith them or any one else over the past 40+ years. 


That rejection has causes me great embassment and many problems. 

I also have great credit with banks in XXXX and XXXX and other credit cards with great credit. 

The Amex system is unfair and wrong and misleading. The situation is costing me money and other problems having to use cards regester in other countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
Greetings! 

Thank you for taking the time to listen to my concern. I work in the nonprofit sector and have been doing so for 12 years. I planned to apply for loan forgiveness when my 10 years worth of payments were complete. I checked program guidelines and thought everything was in order. However, I was mistaken. Me and many other smart people did not qualify afterall!! I applied for loan forgiveness in 2017 and was denied. I didn't realize I had to have Federal Direct Loans. When I found out I immediately consolidated at which point I was told my 10 years time clock now starts OVER! Also, I was told I have to be on a " income based repayment plan ''. That would double my monthly payment and all my loans would be paid in another 10 years. This doesn't make any sense. I worked 10 years for qualifying nonprofits. I made 12 years worth of consecutive payments. I still owe a ton of money. Why can't those funds be forgiven?? My husband has had the same experience. I found out recently my State Representative and other prominent people working in the nonprofit sector have had the same experience. This is WRONG. Even with the temporary assistance bill that was passed, we and many others still can't get assistance. This is a broken promise. Guidelines were not communicated or communicated well or we wouldn't be in this situation. This is mismanagement of public funds. This is a SHAME! Please help find a remedy for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have already paid off the bill, that has Been placed on my credit file, it has been removed by my other credit files for some reason they are saying that it is current, it is not current I have contacted the provider and they do not show me owing this amount because I have satisfied the amount in full. This is not correct and every time I contact the collection agency they say they will remove it has not been done, something needs to be done. I have my receipt of payment and so does the provider involved, this needs to be addressed and removed off of my credit file.

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