vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 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: CITIBANK, N.A.
State: IL

Complaint narrative:
For my CitiPremier card, I was told by XXXX on XX/XX/2019 that my sign up bonus of XXXX ThankYou points will be updated by XX/XX/2019. It is now past this date, and I still do not have the points. Please post the sign up bonus, as it is now late from the promised date.

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 2019-01-31 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: Credit Karma, LLC
State: NC

Complaint narrative:
I filed a dispute with XXXX  on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My XXXX  credit report currently shows an account with XXXX XXXX/XXXX XXXX which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX XXXX / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by Credit Karma. I also had this same account listed on my XXXX   credit report and I disputed it there, as well. I received the same notification on my XXXX  report stating, " XXXX XXXX Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX was removed from your credit report '' NOW ... the account is listed on both my XXXX and XXXX credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, XXXX will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: FL

Complaint narrative:
I've contacted the companies reporting as well as the credit bureaus. The accounts are entirely incorrect and nothing has been resolved. The accounts haven't been investigated in timely manner per Fair Credit Reporting Act. Furthermore, I never received verification of the accounts from the company either. I have no knowledge of the accounts and they shouldn't be 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 explanation
Consumer complaint received 2019-01-31 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: FL

Complaint narrative:
I've contacted the companies reporting as well as the credit bureaus. The accounts are entirely incorrect and nothing has been resolved. The accounts haven't been investigated in timely manner per Fair Credit Reporting Act. Furthermore, I never received verification of the accounts from the company either. I have no knowledge of the accounts and they shouldn't be 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 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
At first Barclay Bank would call and we had a payment plan set up for {$20.00} a month in XXXX because I was going through a rough patch and the representative said they could help soothe the damage it may do if I didn't pay anything at all. While I was still paying on the payment plan they sent the debt to numerous debt collectors, who proceeded to harass me over the funds owed to original bank at an even higher amount. About a year later, XXXX, Barclay bank filed a lawsuit which I was not given any notice of to dispute, just a date for court, which resulted in my income taxes being garnished for over a thousand dollars. Directly after the withholding of my taxes, I reached out to the company and was insured that the dispute was settled. But now I am still being harassed by debt collectors on behalf of Barclay Bank for the full amount of the original debt.

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 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I moved out of my apartment at XXXX XXXX XXXX in XXXX, AZ on XX/XX/XXXX. The apartments are managed by XXXX XXXX XXXX. After move out, I received an invoice from a collection agency, IQ Data International, stating that I owe a balance of {$150.00} to XXXX XXXX. I contacted the apartment and received a copy of the ledger. I was inexplicably charged an additional weeks ' worth of rent beyond the lease termination date of XX/XX/XXXX. I was also charged for a carpet cleaning during that time frame, proving in essence, that the apartment was fully vacated. 

XXXX XXXX, through their attorney, responded that it was indeed their error, they apologized, and refunded me the rightful balance of the deposit due to me. 

IQ Data is still attempting to collect on the debt despite my submission via certified USPS mail that I disputed the debt with proof and also despite my submission of XXXX XXXX XXXX attorney 's letter to me. 

I need IQ Data to cease their illegal attempt of a debt I have disputed in writing via certified letter and provided proof that there was never a debt in the first place. I've attached a copy of the letter I mailed to IQ Data Inc, their original communication of the debt from XX/XX/XXXX, and XXXX XXXX XXXX attorney 's admission of the error by XXXX XXXX in the first place.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient continues to increase the interest rate on the loan that they purchased from XXXX XXXX XXXX. On XX/XX/XXXX Navient began to service the loan that they had purchased from XXXX XXXX XXXX. My average payment was around {$110.00}. The interest rate continued to increase and the payment is increasing as well. The current interest rate for the loan is 9.25 %, however there is a rate reduction for the amount being automatically taken out of my bank account, making the interest rate 8.25 %. My payment has increased to over {$130.00} per month and the loan amount does not decrease with every payment. As of XX/XX/XXXX ( when Navient purchased the loan ), I owed {$12000.00}. As of XX/XX/XXXX, i still owe {$12000.00}. In nearly a year, I have managed to pay off {$300.00} of the loan, however I have paid, in total, {$1100.00} - {$850.00} to interest alone. 

I contacted Navient to attempt to lower the interest rate, however they said they already did with the reduction through autopay. Navient said they will not lower the rate any further and that I should expect to pay the loan for another 30 years. Navient told me that if I wanted to lower my amount due, to pay more to the principle of the loan, money that is not available due to having other living expenses. 

Navient did not have any other options for me to reduce my payment, reduce my interest rate, and had no other options to help me. They are very predatory and are taking advantage of borrowers by purchasing loans from other companies and servicing them, offering no assistance or relief to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Mortgage Servicer : XXXX XXXX ( Mid First Bank ) My home flooded in Hurricane Harvey and took 14 months to rebuild. Previous mortgage servicer ( XXXX ) had me in a short sale program, even though the property was completely destroyed and being rebuilt at the time. At conclusion of their marketing requirement, my mortgage was sold to XXXX XXXX. For the last 5 months, XXXX has had me following the short sale procedures. Now that I have an offer for full market value, they are telling me that I do not qualify for a short sale because my credit score is too high and have to apply for mortgage assistance first. They are now foreclosing on me even though I have an offer, since it is an FHA-insured loan and the FHA will make them whole regardless. I've spoken with a HUD counselor and my attorney -- it appears XXXX is just trying to get the FHA to pay.

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 2019-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under AD Astra Recovery Services. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was still there not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TX

Complaint narrative:
XXXX XXXX/ Experian I request the proof of Accuracy of your reporting on this account, Please show documentation that I paid this account it is over the 7 years limits and you reaged this account by stating it was paid in XX/XX/2015 needs removed at once this is credit reporting manipulation

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 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover credit card ...

I have good credit with discover, now late payment alway I time with all of my accounts and I have had a XXXX line of credit with discover and a XXXX blanance ... they sent me a notice just this morning XX/XX/XXXX that there are reduced my credit line to XXXX and closing my account in 30 days to witch is unelthilcle they are dosing this because Im XXXX XXXX  my credit file was the same when I had open this account with discover nothing had changed and one account has been in disputed for over 40 years..and the Bk I had on file since XX/XX/XXXX .. and all of my credit cards were opened after that and now discover want to close my account for no good reasons other then not being XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion you are in violation of reporting a alleged account that is in dispute it was not and has not been verified as legal or accurate to report XXXX XXXX XXXX has no right to report to you .you clearly are violating the FCRA this was referred to the CFPB case XXXX on XX/XX/2019 remove this account at once

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 2019-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: CA

Complaint narrative:
They call about 5 times a day, early in the morning on weekends. My phone only rings once because its a robo dial but the name and number still pop up on my tv. 

Vital Recovery XXXX I called the number to have them take me off their do not call back list. The gal said " don't you wan to know what personal business this is? '' I said " NO, and that if there is a problem, I should receive something in the mail. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX XXXX XXXX made phone calls to individuals not associated with my credit account. XXXX  had called my phone number for which they had permission on Thursday XX/XX/XXXX. The person that left the message identified themselves as Specialist XXXX ( could not clearly hear name after specialist ). In the message they threatened to escalate to the next step. Unsure of what their intentions were at this point I considered reaching out to an attorney but could not afford to at this time. Then on the morning of XX/XX/XXXX XXXX called several people ( they identified 5 phone numbers when I called them back ) and informed them that they were a debt collector for XXXX XXXX and they needed to speak with me immediately. When my mother-in-law asked how they had her number, XXXX XXXX informed my mother-in-law that I had used her as a reference when I got the account and that is why they were contacting her. I originally opened this account with XXXX XXXX who transferred the account to XXXX. The account was open for many years before I even met my wife so their statement that my mother in law was a reference is just not true. This damaged the relationship with my in laws because they now believe I used them to obtain credit without their approval. My mother in law called my wife immediately to inform her of the call. While on the phone my wife received a call from XXXX  as well. They informed her that they were XXXX XXXX looking for me to collect on a debt. Immediately afterwards, I called XXXX and settled and closed the account. During my conversation I asked why they had contacted other people regarding this debt, they stated that they were listed references on the account. I asked what numbers they had listed, while they would not give me full numbers or any details as to who they contacted and when, they did give me the final 4 digits of each number they had. Four of the five sets of digits they gave me I never provided and only 2 of the 5 sets I was familiar with. I asked XXXX to remove those numbers from the account and informed them that I would be filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
I used MoneyGram to send money to my dad on XXXX XXXX and I received an email to notify my that the transfer was in progress. 
On XX/XX/XXXX I received an email from MoneyGram to inform me that the transaction was completed along with the reference number for the receiver ( my dad ) to retrieve the money. 
XX/XX/XXXX or XXXX : my dad went to pick up the money and was told that he couldn't receive the money because the transaction was blocked. So he called me and informed me. 
XX/XX/XXXX : I did call MoneyGram ( next day ) and after spending about an hour on the phone with 4 or 5 different agents total and going through verification and screening the last agent told me that there was a technical issue on their end and this is the reason why the transaction did not process. He then told me that it would be resolved and the money would be available for pick up within 24-48 hrs. ( This would mean that the money should be available by XX/XX/XXXX ) XX/XX/XXXX : My dad went back to the agency to retrieve the money and was told that the transaction was not processed. ( You can imagine how frustrating this was for him and for myself when he called me to let me know ).

I called Money Gram this morning ( XX/XX/XXXX ) very XXXX and this is when I was informed that my transaction was cancelled and scheduled for refund. ONLY AFTER talking to the 1st agent I received an email informing me about this ; AND I have to wait 3-10 business days for them to process the refund. 
I requested to talk to a supervisor or someone in charge ; I was transferred to the escalation department where I talk to another agent who was basically telling me the same thing the previous agent said ; there is no way for them to expedite the refund. 
I was sending money to my dad for health reason and this experience was frustrating for both. At this point he would be dead by now if if was a critical illness that depended on that money. After using their service for several years now this is the first and the worst issue with them. 
- they did not communicate on the status of the transaction UNTIL I called them - they canceled the transaction - they wasted so much time having me and my dad wait ( 3 weeks ) - they have me wait 3-10 business days to get refunded - they still have NOT told me WHY was the transaction cancelled after all this time They should have a way to compensate customers for this kind of inconvenience and damage they cause customers with situations like this.

VERY XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA froze my account until we paid them {$1700.00} leaving me only {$80.00} to feed my kids. Saying it was due to fraudulent claims, which I had no notice of what so ever. So to unfreeze my account they forced me to pay. So they took my money and I cant even provide for my family.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute with Transunion on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My Transunion credit report currently shows an account with XXXX XXXX/XXXX XXXX which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX   XXXX  / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by XXXX XXXX. I also had this same account listed on my XXXX  credit report and I disputed it there, as well. I received the same notification on my XXXX  report stating, " XXXX XXXX  Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX  was removed from your credit report '' NOW ... the account is listed on both my XXXX  and Transunion credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, Transunion will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.

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