vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been in communication with XXXX XXXX, From WF Research and Remediation Analyst, Her contact information is XXXX, extension XXXX, M-F from XXXX to XXXX Central time. 

Since XX/XX/2019 I had requested to Wells Fargo for a co-signer release for my XXXX. 

My XXXX had graduated 4 years ago, and made her payments dutifully. The glitch came in on that month upon completion of her XXXX degree in XXXX ; her deferment ended on XXXX of that last semester ; consequently she entered XXXX of XXXX program started in next semester of XXXX. 
Although she called Wells Fargo to inform them of the 1 month interlude and entering XXXX program for continue deferment status, she was not made aware of only 1 payment was necessary for XXXX. Thus she was late in ONLY 1 payment. Wells Fargo notified her immediately in XXXX, and she paid immediately the interest for that month. She thought everything was okay. 

Now 3 years later, per her conversation with a Representative she was informed that she could released me as a co-signer with her excellent payment history. Yet, They deny her that cosigner release due to that misstep from that one late payment with the additional reason that this is a benefit and not automatically granted.

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 2019-05-30 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: TX

Complaint narrative:
sent the ftc and police report of the violation Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XX/XX/2016 {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2019-05-30 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: TX

Complaint narrative:
sent the ftc and police report of the violation Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2019-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I moved XX/XX/XXXX and called in a change of address to Newman Marcus. I have a number of cards and all the others changed my address so everything went fine. I dont use the Newman card that  often but used it at XXXX of XXXX. I never received a bill and didnt think of it because I dont always use their card. I only use it when it gets a discount. 

I tried to use my card last month and it was declined. I inquired as to why and was told of the charges. I let them know that I had not received a statement. I let them know I had records of changing the address. I told them all the other changed it with no issues. They asked if I had a Saks card. I told them yes so the looked and could see that I changed my address on it in XXXX of XXXX. 

The had my correct phone number and email but sent nothing. I told them I wanted to pay this right away but would only pay the original amount of {$940.00} and not the XXXX they say I owe now. I also asked that they report the the credit bureau that this is their error and to remove it from my report. I left several messages starting on XX/XX/XXXX for the customer service manager at the XXXX store Mr XXXX XXXX. He never returned my calls. 

I called the credit department XX/XX/XXXX they said the would take a couple of months interest off and I said I wanted to speak to someone who could make it right. They told me I would receive a call back in 7-10 days. Nothing happened I downloaded my account info and called the number on the downloaded statement. I was told the same thing again after being placed on hold for 24 minutes. I asked for a supervisor. 36 more minutes later a  supervisor named XXXX told me the same thing. I asked for escalation but he informed me that he was the highest person on the matter. I asked for his last name but he would only provide his employee ID XXXX. 

I want to pay the bill right away but want assurances that they will drop the extra charges and report the error the the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX-XXXX He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , Bank of America, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.

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 2019-05-30 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and  had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX. He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, XXXX, TD Auto Finance , XXXX XXXX XXXX XXXX ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-05-30 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-05-30 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
My complaint is we had four years with XXXX XXXX XXXX for mortgage and auto with no problems or complaint. I received a renewal notice indicating the double of what we were paying before, so we talked to a representative and indicated to cancel the policy. In a few days we bought another policy with a different company. Within 15 days we received a letter from XXXX XXXX XXXX saying we owed them money and send me to collections when I had paid in full and cancelled my policy

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was recently approved for a Barclays AAviator business card and received the card on XX/XX/2019 with a credit limit of XXXX. As of XX/XX/2019 my transactions were not going through in store. I called Barclays card customer service rep ( XXXX ) and they said Barclays needs my social security card, last years tax return, and drivers license due to " review ''. I asked for why the review occurred and they could not specify why. They told me to fax the 3 documents over. I complained that these 3 documents will cause risk of lose through a use of a public fax machine as I did not have one. They said I can email them the documents @ businesscardsarsmail@barclays.com I attempted to email them today and I received notification of invalid email address. 
I'm wondering the reason why to send over these sensitive documents without attempting to call, email, mail or notify me these are required. I do not understand why they would approve my card and then block my purchases starting today? It doesnt make any sense. I have a checking account with them for over 7 years and my credit score is over 800. I XXXX a similar problem and that person filed a complaint and executives were emailed and then they canceled the documents requested. 

I just dont understand why I have to send a copy of my Social security card, drivers license, and last years tax return! It's too risky to send via fax. 

For reference the login portal for my credit card is aviatorbusinesscard.com and its owned by Barclays.

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 2019-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX AT EXPERIAN CONSUMER AFFAIRS NOW MUST UPDATE XXXX  XXXX XXXX TO REFLECT DEBT SOLD/TRANFER/COLLECTION ATTORNEY OUT OF JURISDICTION. REPORT NO.XXXX, LOAN NO.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 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I reported o nXX/XX/XXXX that my Paypal MasterCard Cash card was stolen and never received. I was basically told they weren't liable and that I should file a police report and " hope '' that I get my money back. I was told I was going to out XXXX and tough cookie even though I was able to verify that none of the account info matched me, when I was at the time or my bank account. Even still I was told no dice.I received a letter 6 months later that stated that the follow : PayPal Important updates about your lost or stolen PayPal Cash Mastercard. 










XXXX XXXX, When a customer reports a card as lost or stolen to PayPal, per our standard process, we close the card immediately and issue a new replacement card with a new account number. This way, we protect your account from unauthorized transactions. 

As part of our routine system audit, we discovered that the PayPal Cash Mastercard ending in XXXX you reported with unauthorized transactions on XX/XX/2018 wasn't closed due to a technical error on our part. This error also prevented PayPal from shipping you a replacement card. 

Corrective Actions we are taking Since PayPal approved your transactions after the card was reported lost or stolen, we've refunded XXXX USD to your PayPal account. The refund will appear in your PayPal balance. This amount reflects all purchases that were made with the card after you reported it lost or stolen. If youd like an itemized list of the transactions being refunded, please contact our customer care center at XXXX. 

Additionally, were shipping you a new replacement card to the physical address you have on file : Your replacement card will have a new account number. So, please ensure to add the new number to anywhere you have the card stored for payments your favorite websites, utilities, streaming services, applications, and so on. 
On activation, youll also be prompted to create a new PIN. It can be the same PIN as on your previous card or something completely different. 

We sincerely apologize for any inconvenience. Rest assured, we take the security of your debit card very seriously, that's why we've reissued you a new PayPal Cash Mastercard. 

The PayPal Cash card team After being on the phne for over 4 hours after receiving the email, and bein transferred numerous times, and handled by several rude representatives, I was told my payapl account had limitations and there for had no answers to give me about how to retirive my funds. That I would no tever receive them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30 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: I.C. System, Inc.
State: NC

Complaint narrative:
This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.

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 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ONCE AGAIN! EXPERIAN IS FALSELY REPRTING 2 XXXX XXXX BANK ACCOUNTS AND XXXX XXXX XXXX AS ITEM INCLUDED IN BANKRUPTCY I HAVE DISPUTED 11 TIMES WITHOUT CORRECTION ALL OTHERS DID A LONG TIME AGO.

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 2019-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I bought a XXXX XXXX XXXX in XXXX of XXXX do almost XXXX I've be late a couple of times but always paid and here it's XX/XX/XXXX and I still owe the same almost. I got a couple of deferred payments I'm still where I started. I'm XXXX years old and struggling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I read about the Navient lawsuit alleging that they steered loan recipients to forebearance when an income based plan would have been better for them. Navient did this to me. I was in forbearance for years after I graduated when I could have been on an income based plan and still had no monthly payment. That would have been a better option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX ( XXXX ) XXXX Date Reported Opened XX/XX/XXXX Date Reported Closed XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$510.00} Company named above claims I have as : Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$510.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so ; 7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
ONCE AGAIN! XXXX IS FALSELY REPRTING XXXX CAPITAL ONE BANK ACCOUNTS AND XXXX XXXX   MARATHON AS ITEM INCLUDED IN BANKRUPTCY I HAVE DISPUTED XXXX TIMES WITHOUT CORRECTION ALL OTHERS DID A LONG TIME AGO.

Company response to consumer: Closed with explanation