vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I spoke with XXXX XXXX from XXXX XXXX XXXX  via a phone call and she informed me that my bank account would be frozen if I did not pay {$5800.00} concerning an alleged debt to XXXX XXXX. I am an elderly person with a hearing problem living on Social Security and was scared by her conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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 — Their investigation did not fix an error on your report
Company: GOLD KEY CREDIT, INC.
State: ME

Complaint narrative:
Nothing was corrected and i was transferred over and over and over again to so many people who i had to tell the same information to. I got no where and had my insurance company on the line who were upset about the run around yet i coukdnt get anyone on the phone to correct the inaccurate reported information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Account shows XXXX on XX/XX/2013 But shows a last payment XX/XX/2013

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.

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 2018-10-13 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: CA

Complaint narrative:
To Whom It May Concern- I have been working in the public ( XXXX XXXX ) or qualifying non-profit sector since I graduated with my XXXX in XX/XX/XXXX. 

Last year I initiatedstudentloanforgiveness with mystudentloans. They are all qualifying loans and have all been consolidated into oneloan. I currently owe about {$29000.00}. 

I paid on a Standard 10-yearstandard loanplan from XX/XX/XXXX through XX/XX/XXXX. My loans were transferred to XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I transitioned to an Income-Based Repayment plan. 

I still could not afford my loans and so transitioned to a 20-year Extended Repayment plan in XX/XX/XXXX. I converted them to this plan, not realizing those would not be qualifying payments. I have been making all my payments on time, is there any way that these can become qualifying payments? XXXX XXXX did not help me to understand that this payment plan did not qualify for loan forgiveness. However, I have made payments for 10 years, without ever missing a payment and have been working in a career that qualifies for loan forgiveness. Certainly, I have met the intent of the loan forgiveness program. 

As I said, I did not realize that transferring my loans to an extended 20-year loan would disqualify me fromloanforgiveness. 

Please help me try and get the 10-year standard loan and 20-yearextended loanrepayments qualified for PSLF. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I obtained what was supposed to be an installmant loan through XXXX XXXX on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about 200 dollars worth of interest onto the loan and i would have over a certain amount to pay the loan back as you i have with previosly obtained and paid loans. I began paying the loan back in payments of XXXX every other week from XX/XX/2017 untill XX/XX/2017 so a total of 11 payments of the XXXX, so over two thousand dollars worth of payments overtime. About half way through i had logged intoXXXX XXXX to see what my exact balance was and to my suprise it was exactly the same amount as the loan i had recieved despite all of the payments i had made towards the account. I called XXXX XXXX   to ask them what was the deal with the account balance and how it hadnt decreased even with all of the money i had already paid. They then told me that the only way i was going to be able to pay the loan off entirely was to pay the interest, as well as the entire amount that i had borrowed initially. I made sure to tell her i didnt sign up for a payday loan and that i signed for an installmeent loan, something that i could pay back over time because of the tremendous hardship i had been facing. They then told me that i had no other option but to just pay it off. I kept making payments every other week untill XXXX and my account indeed still remained the same amount, if not more by the next time i made a payment. So finally i sent them an email statiting that i was not going to pay them anymore due to the fact that i had already paid the loan in full three times over, and that i did not ever sign for a payday loan. I knew it could not be interest compiling that fast within teo weeks due to Texas legal laws in place. As of last month XXXX XXXX   has had a collection agency ( ad astra recovery services ) flag my credit, bringing my score down tremendously. They show that i obtained the loan in XXXX of this year ( which is false information ) and that i have only made one payment ever with the account ( which is also false ) i have sent in bank statements, i have sent payment confirmation reciepts via fax from my email, but the company persists on leaving the falsified information on my credit account as if it were truely an installment loan i just defaulted on, and did not pay them for when its not true. They refuse to remove it unless i pay them an additional 1000+ dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX has been with drawled from my checking since XX/XX/2018 they have called from various numbers and are harassing me and my family area code XXXX, XXXX, XXXX,. XXXX,. XXXX,. XXXX,. XXXX,. XXXX,. XXXX please help me??

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 2018-10-13 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: NJ

Complaint narrative:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the  consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.

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 2018-10-13 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: NJ

Complaint narrative:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 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: FL

Complaint narrative:
I am unable to view my credit report and score from Equifax using XXXX on XX/XX/18. XXXX told me Equifax has a block on it to contact them. I contacted Equifax and they sent me to Consumer Affairs. Consumer affairs told me I can not ever see my credit report or score online. They can send me a paper one in the mail only. They could not give me a reason why. I never reported a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from XXXX XXXX XXXX XXXX, both asserting XXXX XXXX XXXX as a creditor. The Convergent amount was {$620.00} and the XXXX XXXX amount was for {$50.00}. I checked with XXXX. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in XX/XX/2006. This is clearly identity theft.

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 2018-10-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
An inquiry was done. On my credit report. By, the credit bureau. Credit bureau charges a service. For a unknown result. In, a personal. Matter of a not known result. 

Please do not forward attachment 's. 
Please do not forward e-mail 's. 

Please download attachment. Then send in another e-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 2018-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/2018 I applied for an American Express Everyday credit card. I did the application online and was approved immediately. The credit card offer I applied for and was approved for was spend {$2000.00} within 90 days and receive XXXX membership rewards. I did charge the {$2000.00}, in under 60 days and have already paid {$1200.00} of the charges and have a pending automatic payment on the card. I called into XXXX on XX/XX/2018 to confirm I had met the spend requirement and to find out when my welcome bonus would post. XXXX informed me that upon further review they were denying my welcome bonus. I asked to speak to a supervisor, and I spoke to a man named XXXX. He said in their terms and conditions they had the right to deny me the welcome bonus for various reasons. They claimed I had abused XXXX welcome bonuses in the past. This is simply not true and I feel like they did a bait and switch offer. Had I not been eligible for the bonus, they should have told me that upfront rather than after I met the spend requirements. They kept citing the terms and conditions of the card, but there are no specific rules, instead they say it's at their discretion. That is a completely unfair practice and it's completely arbitrary on how they implement the rule. They essentially said we're required to keep a charge card that has an annual fee forever or they will ban consumers from receiving future welcome bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: WA

Complaint narrative:
On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from American Coradius International LLC, both asserting XXXX XXXX XXXX as a creditor. The XXXX amount was {$620.00} and the American Coradius amount was for {$50.00}. I checked with XXXX. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in XX/XX/2006. This is clearly identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from XXXX XXXX XXXX XXXX, both asserting PayPal , Inc. as a creditor. The XXXX amount was {$620.00} and the XXXX XXXX amount was for {$50.00}. I checked with PayPal. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in 2006. This is clearly identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I contacted XXXX after being a customer of 15 years of more that I was entered into a contact without my approval, and tried on several attempts to cancel service without them Billing all those fees with cancelation. And the vendor would refuse to take the phone back within a 24 hour timeframe. I done all I could do to resolved, by giving them their phones back with receipts to one of their authorizes vendors located in XXXX XXXX. They've now reported a negative balance of {$1600.00} on my Credit Report and causing damage.

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 2018-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX is attempting to foreclose on my home with fraudulent robo-signed assignments. We were in the process of working out a modification while at the same time, PennyMac was publishing a sale date for my home. This is by definition a situation of Dual Tracking - please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I apply back in XX/XX/XXXX ( Ref : XXXX ) for a green card from american express that offer XXXX rewards point after I spend XXXX in three months, I spend the money and I didn't received my points, I called at the beginning of XXXX and they told me that my application was not associated to that reward points offer, I wait to paid the statement of XXXX to see if after the 3 months they apply my points reward and nothing was applied, On XX/XX/XXXX I was in the chat with a supervisor and they said the same, and that they will open and investigation about that. I just finish to chat with american express again and the said the same that the investigation is open and that they didn't see link to my application the welcome offer. I have the gold car from american express and with this card I have the same or best Amex Offers & Benefit than with the green card. the only reason that I applied for the Green was for the XXXX points offer, and they said now that the benefits from my application in that card was the XXXX fee annual the first year, that its ridiculous how i'm going to apply for a card that only offer XXXX annual fee the first year?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On EQUIFAX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX  on XX/XX/XXXX 8-XXXX  XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX on XX/XX/XXXX 10-XXXX XXXX  XXXX XXXX on XX/XX/XXXX On XXXX : 1-XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX on XX/XX/XXXX two times & XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX  on XX/XX/XXXX 8-XXXXXXXX XXXX on XX/XX/XXXX 9-XXXX XXXX/XXXX on XX/XX/XXXX 10-XXXX/XXXX on XX/XX/XXXX On XXXX : 1-XXXX/AXXXX XXXX XXXX on XX/XX/XXXX 2-XXXX XXXX XXXX   on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX/XXXX  on XX/XX/XXXX 6-XXXX XXXX XXXX  on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened a Bank of America Travel Rewards Credit Card in XX/XX/2018. They had conditions when opening a card, if you spend {$1000.00} ( in stores! ) for the first 3 months of use, you will get XXXX bonuses. As a result, I spent {$1000.00} for 3 months but did not receive bonuses! Fake information on the BofA web-site and on the terms and conditions of the credit card luring customers to open your cards?

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 2018-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I would like to file a complaint about my student loans accounts. The credit bureaus make it so hard to check your score if you can't. I was in school until early XXXX and was never given my diploma nor did I receive work. 

I have not worked since XX/XX/XXXX because of a couple XXXX I've been suffering from since XXXX. I am trying to get my student loan account current and even though it is now in forbearance, I feel the late fees that occurred ever since I finished school with XXXX university in early XXXX, are seriously hurting my credit score and are preventing me from going forward. It was brought to my attention recently that my credit account claims that I am responsible for 241 late  payments which is impossible as I believe I was current as of early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
There are 2 hard inquires on my experian account that I never applied for and do not show up on any other credit report of mine. There is no way to dispute this through experian.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX inquired XX/XX/2017 2. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX inquired XX/XX/2017

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 2018-10-14 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I was divorcedXX/XX/2016, my ex spouse took control and responsibility for home mortgage, send info and copy of divorce decree pages showing this to Experian showing this, as a disputed item, they investigated and refused to remove mortgage and one revolving credit account from 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 explanation