vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: NY

Complaint narrative:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company

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 2019-04-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I received an answer to the previous dispute I posted yesterday XXXX to Equifax. They responded by stating that they verified the chapter XXXX bankruptcy with a third party XXXX XXXX. This is a not true statement seeing that a freeze has been placed on my account. I would like them to provide me with proof at this point that they are getting this information from them because. I have received something from XXXX XXXX  that there is a freeze on my account. I will attach the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: NV

Complaint narrative:
Please refer to previous complaint # XXXX. Experian continues to report a collection account that was to be removed as a result of the CFPB previous investigation. It is still on my credit report and seems to be impossible to remove!!

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 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am AUTHORIZED on my sons Capital One Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me. 

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit. 
I do not want it on my credit at all ... 
Under the FCRA and the FDCPA they are in clear violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 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: AES/PHEAA
State: VA

Complaint narrative:
One component of the PSLF program that I and several of my colleagues are impacted by concerns the issue of being in paid ahead status ( i.e., I paid too much on my student loans - I think I paid a little too much a couple months and didnt realize it mattered since I was being responsible ). I will keep this short - Basically, I didnt know that I was in paid ahead status when I started working for a qualified employer and had my loans transferred to the bank that is servicing the PSLF program. So, although I was working for a qualified employer, my loans were consolidated under a qualified repayment program, and I was paying what I was being billed, 9 months of my payments didnt count towards the 120 qualified payments for PSSLF because I was in paid ahead status and didnt know. Its sad that you can do everything right, but get XXXX because you were too responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.

Complaint narrative:
My complaint is about 2 XXXX banks that are allowing international scammers to launder the proceeds of crime through the banks. My bank in the XXXX has informed me these banks are aware these people have used these accounts to steal other peoples money and yet still allowed this to happen to me. The banks in question are : 1. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX California CA XXXX. 2 fraudulent transactions were processed through this bank. 

a ) XXXX XX/XX/2017 {$4500.00} b ) XXXX XX/XX/2017 {$7000.00} XXXX bank XXXX XXXX XXXX XXXX California CA XXXX. XXXX transaction through this bank. 

a ) XXXX XX/XX/2017 {$10000.00} I need this investigated please and require a refund in full from these banks for allowing illegal activity to proceed.

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 2019-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted both XXXX XXXX and XXXX XXXX about credit inquiries which I did not initiate. 
Both companies assured me they would correct these inaccuracies. in reviewing my credit reports with Transunion amd XXXX none of the companies involved have done so. 
XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX I have NOT applied for credit for over two years

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 2019-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am AUTHORIZED on my sons XXXX XXXX Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me.

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit.

I do not want it on my credit at all ...

Under the FCRA and the FDCPA they are in clear violation.

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 2019-04-03 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am AUTHORIZED on my sons XXXX XXXX Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me. 

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit. 
I do not want it on my credit at all ... 
Under the FCRA and the FDCPA they are in clear violation.

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 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc.
State: OH

Complaint narrative:
Why are companies allowed to spoof local numbers to call? The person told me that my payment was rejected when I check my bank I see payment has cleared. I make the payments I can afford at this time and the person was rude about this started to get aggressive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: AK

Complaint narrative:
I have worked for the same employer, which is a XXXX XXXX, since XX/XX/XXXX. I consolidated my oldest student loans into two loans with a combined balance of {$100000.00} on XX/XX/XXXX, and I have been making my monthly payments under the IBR repayment plan, which qualifies for the PSLF program, ever since. I have completed multiple Employment Certification forms that certify my employment back to XX/XX/XXXX, thus proving my PSLF eligibility for every single payment I have made on these two loans. 

However, the number of qualifying payments FedLoan Servicing shows on my loans is incorrect. The data shows I have only made 54 qualifying payments and am not eligible for forgiveness until XX/XX/XXXX. However, according to my records, I have made 90 qualifying payments and am eligible for forgiveness in XX/XX/XXXX. 

I have submitted multiple requests through the FedLoan Servicing website, with the last two being on XX/XX/XXXX and XX/XX/XXXX, requesting that the qualifying payment information be corrected. I have also made multiple phone calls to FedLoan Servicing requesting the same. The most recent emailed response I received was on XX/XX/XXXX, which stated, " Please allow ample time for this request to be completed due to the amount of extensive research involved with counting qualifying payments. '' While I understand my request takes time, it has been going on three years since I noticed the incorrect information and brought it to their attention. I am making changes in my career within the next 2 months and I require confirmation of the number of qualifying payments I have made and when I am eligible to apply for loan forgiveness. I have been unsuccessful at getting this information on my own, have allowed more than ample time for research, and now need to escalate this problem to a formal complaint in an attempt to resolve the incorrect information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
-> I have sent 3 correspondence letters via the US postal mail to dispute the validity of the debit within the initial 30 day period ( the third letter was sent via certified mail to ensure delivery/signature confirmation ).

-> I have also sent at least 2 inquiries/correspondence via their website which has a page dedicated to sending them messages.

-> From all of the above, they have failed to contact me back in regards to disputing the debt and they seem to be running the clock so that the 30 day time-frame will elapse. I am trying all methods of clearing/disputing the debt with them. But they have failed in every single attempt to even acknowledge my dispute of the debt they want to collect.

-> I have also contacted the original creditor ( XXXX XXXX : Patient Financial Svcs ), and they will be reclaiming the debt as it has been within 30 days ( transferred it over to TSI on XX/XX/XXXX or XX/XX/XXXX ). So TSI will no longer have any claim on the the debt and can not contact me to receive payments after 30 days. The debt will revert back to the original creditor and thus TSI needs to respond to my multiple types of correspondence and investigate/close the matter ( as the debt is no longer their 's to collect ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: GA

Complaint narrative:
I have an account with Western Finance XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX.The representative was XXXX XXXX . 
The representative could not reach me and contacted my referance XXXX XXXX XXXX. She stated she couldnt reach me.my referance then asked whats her balance with yall? That information was given. The referance then asked " How much of that is past due? '' she then gave that information as well. My referance then attempted to pay on the accouny for me out of concern that it was delinquint an payment was refused and she was asked to pay a full payment instead and that amount was given to her as well. She then told the representative she would try an reach me and she then reached out to me and was very upset. The representative has now upset my friend and myself by involving her in my financial situation. What happened to protecting my privacy with the Gramm Leach Bliley act.When contacting the store with my concerns no apologies where given.I asked to speak with her Supervisor and she gave me the number to the manager atanother store whom I recognized from speaking with her before. They alwys have other store managers calling trying to imply they are higher ups in the company. Its n old collection tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Spoke with a supervisor of Equifax named XXXX. XXXX stated I needed to request an update of my last name. I am requesting a update on my last name. My last name is XXXX not XXXX. Please update and remove XXXX. Equifax do have my documentation from previous dispute which is a copy of my utility bill and my social security number. I called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX Midland Credit Management filed a petition ( law suit ) in the XXXX County Texas county court, claiming I owed a debt to " XXXX ''. I was made aware of the suit by a mailed advertisement from an attorney. 

XX/XX/XXXX I filed an answer with the court, explaining that the debt wasn't mine. 

XX/XX/XXXX A " convenient '' 30+ days after the original complaint was filed, I was served the complaint. 

XX/XX/XXXX Midland Credit Management filed a Motion for Default Judgement, on the false grounds that I did not answer the petition. 

Midland Credit Management is running an obvious 3-step scam : 1. quietly file a lawsuit, 2. wait 30+ days to serve defendant 3. file for default judgement because defendant has not answered within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This is in addition to the previous compliant. XXXX. 
I called Home Depot Credit and they told me they have already processed a refund of the overpayment. They said they are sending it to my bank. I have never paid the bill from the XXXX XXXX XXXX Web site. I have always sent it from my Bank Account. 
I ask how do they know my bank account and they claim I gave it to them and ask for it to be saved. I did no such thing. I have asked every time I called for a check to be sent. 
I have paid the monthly bill from 3 different banks.

I check on line and dug around on the Home Depot Credit web site and found they are sending me a letter billing dispute resolved. I have only ask for my over payment to be sent back to me via check. 
I have requested they remove my bank account info from there system. I really don't know how they got it and do not know if it is even correct. I requested they close the account. I going to shop at 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 2019-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
My complaint is about the bank allowing international scammers to launder the proceeds of crime through the bank. My bank in the XXXX has informed me the bank are aware these people are using these accounts to steal peoples money and yet still allowed this to happen. The bank in question here is : Wells Fargo XXXX XXXX CT XXXX XXXX California CA XXXX. 

2 fraudulent transactions were processed through this bank/ a ) XXXX XX/XX/2017 {$4500.00} b ) XXXX XX/XX/2017 {$7000.00}

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 2019-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have a Capital one Card ending in XXXX They restricted this card so I couldn't use it almost 3 years ago. I have requested they close it multiple times because they keep charging me a fee every year ... yet they don't let me use it. 

They recently charged a fee and my account is late now for a fee THEY charged on a card I cant use and that I thought was closed the LAST TIME i had the pay the fee. 

I contacted my attorney and he said they are in violation of the Fair Debt Collection Practices Act and the FCRA. 
I called them yet again about my account and they claim they will not fix it. 
-- HOW CAN IT BE LEGAL FOR THEM TO FORCE ME TO PAY THEIR FEE ON A CARD I HAVE REQUESTED TO CLOSE AND THEY WONT LET ME USE??? 
THIS IS AGAINST THE LAW AND I DEMAND THEY REMOVE ALL THE FEES FROM MY ACCOUNT AND THE LATES FROM MY CREDIT AND CLOSE THIS ACCOUNT!!!!!! 

I need this fixed as this is affecting my financing specifically and that is another violation which I am prepared to take legal action.The late on my credit needs to be removed today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
During XXXX 2018, I attempted to buy some presents using my credit card. Capital One for some reason thought there was some fraudulent activity going on and blocked my card. I called them and asked them to remove this and they " did so ''. Turns out the employee decided he wanted to just XXXX with me because they instead escalated their internal fraud alerts on my account and then requested me send ridiculous amounts of documentation to " prove my identity ''. I refused and closed my balance XXXX money they gladly accepted from me without any proof of identity ) and then closed my account. 

Now they just applied a chargeback to a charge I disputed in XXXX. I was not notified of this charge because their internal policy requires that I send ALL documentation they requested from me before they " unrestrict '' my account. I was only notified today ( surprise, more inconsistencies in their system XXXX because of a late payment fee that was applied to my account. So they don't notify me of this charge that was inappropriately applied to my account because of this internal policy but they have no problem notifying me after I receive a late payment fee. 

Now my credit report has been damaged by this because of their ridiculous internal policies that do not protect anyone from fraud and makes XXXX sense. And they refuse to talk about my account until I remove the " Restricted '' status which means I have to send them documents such as a SIGNED SOCIAL SECURITY CARD ( absolutely ridiculous ), a copy of my driver 's license, and other forms of PII. Now I also owe them XXXX which I should not have to pay. 

No relevant documents at this time. If you require anything, please send correspondence for said documents. 

** On the next page, it requested my card number for Capital One. My card was destroyed after I closed my account so I don't have access to the card anymore and I don't remember the card number. Instead, I put in my CapitalOne360 username that I use for online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I received a letter from Transworld Systems Inc dated XX/XX/2019 concerning a balance owing with XXXX XXXX XXXX . 

This debt was previously placed with XXXX and I never received any notification that XXXX is no longer servicing the account. I have tried to reach out to XXXX and they are no longer taking calls. 

On XX/XX/2019 I spoke with XXXX XXXX with Transworld and after all disclosures I told him that I wanted to start making payments but would need some written documentation confirming that they are in fact the servicer of the loan, that the account is no longer placed with XXXX and that XXXX XXXX has given them permission to service the loan. 

My request was met with significant pushback from Mr. XXXX. He told me that the letter I received - the Dunning letter - was verification enough and that I should call XXXX XXXX. I explained to him that I am well aware of my rights and I am entitled to have this debt verified and have proof that they have authority to service this debt. XXXX started to interrupt me as I was talking and told me that he is in the position to know far more about what his job is than me. I told him that I don't appreciate his tone or that he is being argumentative with is request and asked to speak with his manager. I was told that that the manager - XXXX XXXX is unavailable. 

My complaint is two fold, the abusive and argumentative nature of Mr. XXXX is unacceptable. I have a debt, but I am still human and should be treated as such. Second, receiving push back for requesting proof that Transworld has authority to service the debt from XXXX XXXX is in direct violation of the FDCPA.

Company response to consumer: Closed with explanation