vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
My name is XXXX XXXX. I sent to XXXX {$450.00} to my brother, XXXX XXXX XXXX, via XXXX XXXX, on XX/XX/2018. I also sent him the transaction ( XXXX ) number through XXXX to pick up the money. He called me and told me the transaction number was not valid according to XXXX XXXX in XXXX. 
I called XXXX XXXX in XXXX more than three times to inquire about the transaction number, they told me the money was picked up by someone in XXXX. When I asked XXXX XXXX for proof, they declined I would to know what happened my transfer from XXXX XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: GA

Complaint narrative:
I have several issues with the TRANSUNION credit reporting agency. I have contacted them on several occasions regarding these issues. I have requested documents that show my signature on these accounts on three occasions and they refuse to produce any from the creditors.

XXXX XXXX XXXX accounts # XXXX, # XXXX These two accounts have exceeded the statue of limitations for the state of Georgia and they refuse to delete them. The accounts are closed and paid in full. XXXX XXXX XXXX  # XXXX  ( XXXX XXXX XXXX ). They refuse to produce any documents with my signature on them for this account. The account is now seven years old and they keep updating the date ti record it. XXXX XXXX XXXX # XXXX same issue as XXXX XXXX XXXX.

These four accounts should be deleted from my 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
Consumer complaint received 2018-05-09 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have multiple loans with Navient. The problem due to having multiple account open, as well as being enrolled in IBR, the online system makes it difficult for me to pay the allotted monthly payments. It continues to show that I owe more then what I quality for using IBR. When I made contact, most of the providers don't know how to solve the problem, and there responses have been more confusing. They have said I should consolidate my loan through, however failed to mention that if I do that I will not be able to carry over my years of successfully making payment under IBR, for loans forgiveness after 20 years. I have also accrued late fees and payments that are confusing to me, given that I have been on IBR repayment, and there is not clarification how to stop these from accruing. I also have no support in learning how to renew for IBR, and are not provided with yearly updates. I am currently in Forbearance and do not know why, given that I am under IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jones Law Group, LLC
State: OH

Complaint narrative:
Today a gentleman called my phone asking for myself or my husband to speak about an outstanding debt. I gave him my husband 's number and after a while my husband called to tell me how the phone call went. Apparently it did not go so well because the gentleman was very brash and rude to my husband. They went back and forth about an amount that was supposedly to be promised to paid, and my husband stated that he agreed to an amount of XXXX and they were trying to collect XXXX. I called back to speak to the man and to let him know that we are trying to work with them but we didn't appreciate being talk to in that manner and the man became very aggressive on the phone and repeatedly interrupted me and stated that he was going to mark the file as " refusal to pay '' even though we didn't refuse, we just wanted to find the correct documentation. I feel extremely degraded by this company, they did not treat us like we were human beings and he hid behind the fact that he was doing " his job ''. They did not want to work with us at all. I feel threatened by them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted two to three disputes to Experian regarding a bankruptcy and inquiries.

I submitted the bankruptcy disputes onXX/XX/XXXX andXX/XX/XXXXboth came back verified even though I had CLEAR documentation from the Courts stating they do NOT report to any credit agencies. I received a letter from Experian stating they will not dispute again because I did not submit relevant documentation which is FALSE. On both disputes I submitted the RELEVANT documentation they're asking.

Inquiries : I NEVER received any response to my inquiry disputes as well. I submitted them on XX/XX/XXXX - First Dispute XX/XX/XXXX - because they only updated one dispute and IGNORED the others.

XX/XX/XXXX - because I thought they may have slipped through the cracks with the online submission. All of this is a clear violation of the FCRA as it is a requirement to investigate or notify the consumer as to why they wouldn't investigate which this didn't happen either.

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 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Asset Management Systems Inc
State: FL

Complaint narrative:
XX/XX/XXXX I'm writing to request this information be removed from my XXXX Credit Report Account. I've been disputing this account since it's been placed on my credit report. 

I lived at XXXX Apartments back in XX/XX/XXXX. When I got ready to move I spoke with XXXX the rental manager at that time. I gave them proper notice before I moved. I also was granted to move before my lease expired. The agreement was for me to clean the apartment and they would keep my deposit and I would not owe the apartment complex any rent. 
This was verbal agreement that XXXX the apartment manager gave me. 
After I'd vacated the premises several months later I started receiving collection notices that I owed {$730.00}. I left voice mail messages to XXXX who was the regional manager, I finally spoke with her and she stated that they kept my deposit, but I still owed money. I disagreed with her regarding any monies owed because what XXXX who was the Manager at the time advised me before I left that I didn't owe the apartment complex any money. I still didn't agree to what had taken place. 
I was still receiving collection notices until I decided to pay this money, because it would affect my credit and me not being able to rent another apartment. 
Before I agreed to pay the collection, I phoned XXXX XXXX   XXXX, I believe I spoke with XXXX XXXX, I wanted to know if I paid this collection would it be deleted off my credit and she advised that it would be in a few months. Well a few months has turned into years. 

I've been disputing this item for several years, and they refused to delete off my XXXX Credit report. I'm writing to your agency to see if this item can be deleted from my report. I've paid the item, but the collection agency didn't remove it like they told me. 

Please review this matter, I look forward to hearing from someone hopefully with good news.

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 2018-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have lodged disputes with Capital One, XXXX XXXX XXXX and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I responded to a direct mail invite code in XX/XX/2018 inviting me to open an account with Wells Fargo. If I were to perform 10 transactions per month of {$1.00} or more for 3 consecutive months. On XX/XX/2018 I received an email entitled " Update to your recent personal checking requirements '' which revised this offer, stating : " You will now be required to make 30 total debit card purchases/payments of at least {$1.00} each, posted within 120 days of account opening, no longer requiring 10 transactions of at least {$1.00} each month for 3 consecutive months ; we have extended the time period for you to make the 30 transactions. '' I'm including a screenprint of this email as an attachment. I complied to these new terms and conditions and performed over 30 transactions over {$1.00} within the first 90 days of account opening. I followed up via Wells Fargo 's secure email service to ensure everything was completed successfully and was told I was not eligible for the bonus because I did not complete 10 transactions per month for 3 consecutive months ( per the original terms, not the updated terms ). Email and Phone support personnel were not able to find record of this update to the terms of the offer, and did not have a means for me to forward this email. I did copy/paste the contents into their secure email service, but I was told I was still not eligible for the same reasons. Further, I was told that I can not have received such a bonus in the last 12 calendar months as an additional reason that I was not eligible. While I have received a similar bonus from Wells Fargo in the past, this occurred more than 12 months ago. My deposit accounts were closed more than 12 months ago as well. Further, the original materials sent to me did not contain a reference to this 12 month requirement, it was communicated after the fact via email, which is deceptive. I let it go at the time because I was aware that my last occurrence was more than 12 months prior. After over a month of following up by email and phone and being told ( incorrectly ) that I was not eligible for varying mixes of these reasons, it became clear to me that Wells Fargo did not intend to make good on their offer. I closed the account out. I'm disappointed by this behaviour.

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 2018-05-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several issues with the XXXX  credit reporting agency. I have contacted them on several occasions regarding these issues. I have requested documents that show my signature on these accounts on three occasions and they refuse to produce any from the creditors. 

XXXX XXXX XXXX accounts # XXXX, # XXXX. These two accounts have exceeded the statue of limitations for the state of Georgia and they refuse to delete them. The accounts are closed and paid in full. 

XXXX XXXX XXXX # XXXX ( XXXX Bank Nevada ). They refuse to produce any documents with my signature on them for this account. The account is now seven years old and they keep updating the date ti record it. 

XXXX XXXX Bank # XXXX same issue as XXXX XXXX XXXX. 

These four accounts should be deleted from my 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
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
XXXX XXXX is listing a debt that is over seven years old and has been removed from my credit report. They are listing it as a new debt as of XX/XX/2018. I have attempted to dispute it via my credit report and they validated falsely stating that it is a current debt. Again - this is a debt they purchased that is over seven years old.

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 2018-05-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen was sent a request for payoff amount of reverse mortgage on XX/XX/XXXX. Ocwen has not responded to this request and will not address the issue when phoned by myself and the escrow title company. Ocwen has made an extra {$370.00} in interest in the time they have delayed in producing a loan payoff amount. 
Ocwen does not seem to be interested in my satisfying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a completely fictitious address that appears on my Experian credit report. XXXX XXXX XXXX, XXXX, PA XXXX that is linking me to a fraudulent account. I explained to both Experian that the address is fictitious. Experian has refused to remove the address from my credit report. Not only have I never resided at XXXX XXXX XXXX, XXXX, PA XXXX but the aforementioned address is completely fictitious.

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 2018-05-09 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: JH Portfolio Debt Equities, LLC
State: OH

Complaint narrative:
I have lodged disputes with XXXX XXXX, JH Portfolio Equities and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: Penn Credit Corporation
State: OH

Complaint narrative:
I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX and Penn Credit Corp with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: KS

Complaint narrative:
I made a purchase from a company back in XX/XX/XXXXand put it on our Discover card. The company 's name was XXXX. I purchased two supplements for my dog : XXXX XXXX and XXXX XXXX. My dog has taken these supplements in the past. The supplements purchased from XXXX made her sick twice within one hour of taking them. I immediately took her off of the supplements and notified my vet. I have filed complaints against XXXX with my state attorney general in Kansas, the Iowa Board of Pharmacy, and the FDA. I disputed the purchase with Discover around the beginning of XX/XX/XXXX. 
I am not returning the products because the FDA will need them for inspection when requested, specifically because XXXX did not purchase these supplements directly from XXXX XXXX. Instead, they purchased them through a third party. XXXX XXXX states because they were purchased through a third party that they can not guarantee the product is not tainted, counterfeit, or expired. I am including a copy of my reports for your records. Initially, XXXX tried to make me believe this product was purchased directly from XXXX XXXX when I inquired, but due to their vague answer, I continued to press. They then refused to say where they bought it from citing they can not disclose business relationships. 
Discover initially removed the charge from the credit card. The only formal notification they sent me was on XX/XX/XXXX. It stated they were removing the charge from my credit card but would reapply it if XXXX gave them supporting documentation of the validity of the charge within 60 days of the letter. As stated before, this charge was disputed around the first of XX/XX/XXXX, so clearly this letter should have been sent out earlier. 
A couple of days ago, Discover reapplied it recently without notifying me. I only found out about it when I logged into the account to make a payment on another purchase. Prior to filing the dispute with Discover, I repeatedly requested XXXX remove the charge from my credit card. I did this in writing by e-mail at least three times, and they never once responded to the request to remove the charge. In addition, Discover asked for no supporting documentation from myself to support my claim for the dispute. The way Discover has handled this dispute does not leave a good impression on me. This account has been open only a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My problem consist in that the two credit operators equifax and XXXX, report data that is incorrect about me. This happens because I share the same name with my oldest son, I am tired of telling them by phone that this is not me, that they are reporting my son 's credit data, that my son 's birth date is XX/XX/XXXX and I was born on XX/XX/XXXX and we also have different social security number. But they tell me that in order to correct their mistake, I must send them all my personal documentation that confirms my identity ... and then I asked them : how is it possible that you report wrong information about me, but you tell me that you dont have my information? This is a contradiction and a paradox. I am not willing to give any private information to these credit agencies, I have no relationship with them and I will not correct anything that I have not created, those errors in my credit report are NOT attributable to me, they are the ones that have to be well documented before destroy my credit records and my reputation, all this has affected me in the request for an increase in my credit cards limits, in the cost of my insurance policy of my car and in my driving record also. They have damaged my public image and my credit reputation, having reported unverified and incorrect data about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Received a collection notice from Transworld Systems Inc. in regards to a final utility bill that was never received from XXXX XXXX. When I cancelled service with XXXX XXXX, I was told they would use my deposit for my final payment. Apparently the deposit did not cover the full balance remaining. I initially disputed Transworld for validation of the debt to which they sent the final utility bill from XXXX XXXX. Upon receipt of Transworld Systems response, I contacted XXXX XXXX and talked with their customer service representative on a recorded line. I explained that I had never received the final bill at my new address and wanted to pay it with a guarantee that XXXX XXXX would remove the account from Transworld Systems Inc. and also from reporting on my credit file. The customer service representative put me on hold, spoke to a supervisor, came back on the recorded line and assured me that if I paid the account in full XXXX XXXX would recall the debt from Transworld Systems and have the item removed from my credit report. It is now nearly a year later and the tradeline is still being reported as a collection by Transworld Systems Inc. on my XXXX  credit file. As I stated, the call with the XXXX XXXX rep was on a recorded line and I was guaranteed the removal of this item since I never received a final bill.

Company response to consumer: Closed with explanation