vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 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: VA

Complaint narrative:
The Experian website shows conflicting data on my credit. One page shows that I have a potentially negative item that is a late payment on a mortgage. That was cleared up by XXXX. XXXX notified the credit agencies, and Experian updated the payment history on my account to reflect no late payments. However, they did not update the negative items on my credit. It is no longer a negative item and should be removed as a negative item. When Experian looks in to the issue they will show that there aren't any negative items to update. That is correct, but their pages do not reflect that. I can provide attachments to show this.

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 2018-09-11 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: Nelnet, Inc.
State: SC

Complaint narrative:
My current student loan balance on statement dated XX/XX/18 ( payment due date of XX/XX/18 ) was : {$39000.00}. My monthly auto drafted payment totals {$350.00} and the total interest that accrues is month is {$160.00}. After my payment of {$350.00} deducted on XX/XX/18, I receive an email about a week later stating that my new billing statement is ready. Upon reviewing my new statement, dated XX/XX/18, I see that my current balance is now : {$39000.00} ... a decrease of only {$110.00}. I am paying {$350.00} a month for my balance to only decrease by {$110.00}! This does not add up if my monthly increase is {$160.00}. Where is the remaining {$76.00} going? None of the customer services reps will kindly take the time to explain this to me. They talk to me as if Im uneducated and try to rush me off the phone. Im extremely fed up that I work extremely hard only to be stuck with student loans they never decrease. Please help me in resolving this issue, Im exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC
State: IL

Complaint narrative:
The debt collector called me on XX/XX/XXXX @ XXXX XXXX  to try to collect a debt that my wife owed. I am not on the account and did not apply for the credit card. My wife applied for the card when we were legally separated. I told the agency this and gave them my wife 's cell phone number to call direct. They confirmed they already had it. I asked them not to call me again because the matter had nothing to do with me. They agreed that this debt was not mine so they would follow up with my wife. I received another call on XX/XX/XXXX @ XXXX XXXX with the same gentlemen asking the same questions. I ask him again to call my wife and take my number off their " list ''. He started to ask harassing questions about whether I followed up with my wife, if I told her to call them, etc. I again asked them not to call my number and confirmed my wife 's number again, then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My primary complaint in all of this is Equifax, none of this would have happened if my personal information had not been part of their data breach, and now they are making it very difficult to correct an incident of identity theft. I learned via XXXX XXXX that I had a new credit card on my Equifax report on XX/XX/XXXX. The credit card was from a bank in XXXX XXXX I had never heard of called XXXX XXXX XXXX   ( FDIC XXXX ). It turned out that this bank had only used Equifax to approve the credit card even though the applicant had provided an address in XXXX, FL. A city and state I have never visited, let alone lived in. Instead of Equifax flagging this as possible fraud, they just changed my address to the address in XXXX. I have been working with the bank and filed an FTC report to have the fraudulently filed credit card resolved. In the meantime, I have asked Equifax on 3 occasions now ( 2 via website and 1 via phone ) to have the address removed from my credit report address history. I have sent them copies of bills and identifying information showing that my address in Utah is current and valid and has been for several years. They send me reports that show they have deleted the address, but then instead of deleting it, they just moved back the month I had apparently moved to XXXX ( first from XX/XX/2018 to XX/XX/2018, then when I filed the dispute again they moved the date from XXXX to XXXX ; one of these dispute forms they sent me is the attached document ). Equifax 's customer service is a brick wall that is impenetrable. I spent an hour on the phone on XX/XX/18 with 4 different operators, one of whom 's English was so bad it was obvious she was guessing what I was saying and then reading prompts from a script. The other credit agencies have been very easy to work with ( XXXX and XXXX ) but when I speak to their customer service agents, they inform me that the incorrect information was given to them via Equifax 's records, so only an Equifax investigation will result in the information being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: KEYCORP
State: IN

Complaint narrative:
Key Bank Rewards program is misleading by saying they are giving you XXXX points per XXXX spent. When you go to redeem you can only get {$1.00} for every XXXX points so in effect it is only XXXX point per {$1.00} spent. 
I have XXXX points with Key Bank. They say that is worth {$110.00}. 
Last year I had XXXX point with XXXX. They gave me {$500.00}. 
Key Bank is using rewards points terminology that all other credit card companies use but all other companies actually give you what they say they will. 
Key Bank is being misleading and dishonest with their rewards points advertising. 
I have spent too much time looking through Key Bank info for anything that says what the true point value is. It is not until you go to redeem that you find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: AL

Complaint narrative:
I have been going back and forth for several months with disputes with Equifax regarding my 2 accounts with XXXX which are both being reported inaccurately. On XX/XX/2018 I submitted an online dispute with Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX for both of my accounts with XXXX requesting an investigation into the matter. I stated to them that the XXXX accounts were being inaccurately reported. Although in this latest dispute and my request for written verification per the FCRA, Equifax is still listing both of the accounts as being 120 days late. They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018. Both accounts were paid in full and transferred so how can they be 120 days late? Why does Equifax refuse to provide me with the written verification? All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: VA

Complaint narrative:
I have a Capital One credit card, Quicksilver, with no balance, and incurs an annual fee every XX/XX/XXXX of {$39.00}. In advance of that fee being charged to my account, on XX/XX/2018, I called Capital One customer service to evaluate my options regarding the upcoming fee. I was advised by the Capital One customer service representative that I was a customer in good standing with an excellent business record with Capital One and they would waive the annual fee once it was billed to my account on XX/XX/XXXX. On XX/XX/XXXX, I called Capital One, and after speaking with three different representatives, they advised that they would not be able to waive the fee, that it was against company policy. I have the XX/XX/XXXX call with Capital One recorded and when I advised them of the documentation, they became obstinate and would only continue the conversation if I ceased recording, even in light that they acknowledged they were recording the conversation. I advised that I made all calls from a 'one party consent state ' and did not have to disclose if I was recording the current call which they advised that they would not help if I was recording the conversation. It is an inequitable position to only have one party with the recorded conversation and is in everyone 's best interest to have the best available documentation of the conversation. In short, previous to the fee being incurred, I inquired with Capital One, was provided information and guidance that I faithfully acted upon, and when attempted to execute the financial commitment from Capital One, they reneged on their previous verbal contract to waive the fee once it incurred. Capital One has all the conversations recorded for review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I responded to an offer for a Wells Fargo Cashwise Visa Card. They opened the account. I was to receive XXXX bonus points ( {$200.00} ) after I made {$1000.00} in purchases within the first three months.

The offer clearly states : " 1. To qualify for the {$200.00} Cash Rewards Bonus, a total of at least {$1000.00} in net purchases ( purchases minus returns/credits ) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 1 - 2 billing periods after they are earned. '' THIS IS A CUT AND PASTE FROM WELLS FARGO 'S WEB SITE MAKING THE OFFER. 

I completed the {$1000.00} in purchases on XX/XX/2018. The statement period ended on XX/XX/XXXX. Another statement period ended on XX/XX/XXXX. Another statement period should have ended around XX/XX/XXXX. There is no statement on their website as of XX/XX/XXXX but the account has a XXXX balance so there may be no statement generated. In any case, it's been three statement periods and the points have not been awarded. Their website shows that the bonus points expire on XX/XX/XXXX. 

I have a screen shot from their account web page that clearly shows : " Congratulations! You have a pending bonus since you have met the total Net Purchases spend as of today. '' In that pop-up screen, it also says the points will be awarded 1-2 billing cycles after the offer expires. But, that is not what the terms were in the offer. The same screen also shows that the points expire on XX/XX/XXXX. 

It appears as though Wells Fargo intends to expire the points before they make them available to redeem. Even if that is not the case, they have failed to make them redeemable within 1-2 statement cycles as advertised. I paid my propane bill on that card yesterday. I intend to pay that charge in part with those points. However, I have no confidence that Wells Fargo intends to perform on their offer. 

I have made several calls to Well Fargo and gotten several different answers. I have a recording from today where their second level supervisor says " yes the points should have been awarded already '' and then offers to open an investigation. I opted to be escalated to his supervisor who is supposedly " executive level. '' I doubt that, however, that person also wants to open an investigation. Whatever investigating needs to be done, should have been done after one of my previous calls. Clearly, when Wells Fargo investigates Wells Fargo, Wells Fargo finds that Wells Fargo has done nothing wrong.

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 monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a bed from XXXX XXXX & it was finances with XXXX XXXX. The bed did not work out & was returned on XX/XX/2018, and I was told that the loan would be cancelled and my money returned. I called the bank on XX/XX/2018 and was informed a check would be sent out in 5 to7 days. The check did not show up in that time frame, so I called the bank again on XX/XX/2018 and was told that I should receive my check by XX/XX/2018. As of XX/XX/2018 no check. I called the bank on XX/XX/2018 & was told they had record of my previous call but no record of me requesting a refund check. Again I was told they would expedite my check & I should see it in 7 to 10 days.

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 2018-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MN

Complaint narrative:
On XX/XX/2018 Nelnet reported my account 90 day delinquent. On XX/XX/2018 I made a payment of what I could at the time of XXXX. This payment was not for the full amount but this is the only amount I could afford at the time. Now my credit score has dropped significantly And its affecting my ability to provide housing for my children. I asked Nelnet if they could remove this 90 day late delinquent status and they said they are not able to do that. This is my absolute first time being 90 day late on the payment I honestly dont feel that I was totally late because of my payment I submitted XX/XX/XXXX. I would like this to be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
select portfolio servicing reported my account late to the credit bureaus, i mailed them a check and they have not cashed it but still reported me late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
To whom it may concern I had apply for a loan with prosper because I got a approval letter. 
I completed the application information on line I instantly got approved for XXXX Out of those I only request XXXX there was already a fee XXXX so it let me off with only XXXX and it was supposed to be deposited to the account within 14 days or earlier. 

I have verified all my personal information and answered all my personal questions and information such as credit questions they ask me like 10 questions I believe I answer each of the questions correct such as if I had any other credit cards and loans and a car I had recently paid off or finance and even my daughter name. I answers all questions asked from them. 

After everything was ready to go I received an email as I was using my stepson email which is XXXX and XXXX I dont have an email created for my self yet because I did not think its necessary. 
Wen I saw this message on the ema I called them back and got very angry and dissapointed. I ask the lady representative to tell me why all suddenly got denied after everything was finalized and I signed the contract online everything was ready to go and supposedly I was receiving the funds to my XXXX bank account within 14 days or sooner. 
Than the lady said to me that she wasnt supposed to tele the reason why they change their minds. And than I ask her if this was a XXXX act thing because XXXX XXXX. They humiliated me and treated me like garbage who on earth would do that to. Borrowed after sumbmit all documents and got approved and than denied me she also mention that they believe that I was lying about my personality and my information in other word that I was not the person who was me XXXX XXXX full name is XXXX XXXX XXXX I even sent them a state of Illinois ID to verify my identity and also sumbmit them my United States of Americas passport I a legal person here in the USA and Im a XXXX XXXX I feel like they treated me like garbage and humiliated me because Im 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 2018-09-11 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: TMX Finance LLC
State: GA

Complaint narrative:
I spoke with someone from XXXX XXXX about accounts on there consumer site that does not belong to me anymore that was discharged from my chapter XXXX.. preventing me from trying to open an account...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax and disputed this false account with Equifax several times and this account is still on my credit report. Equifax is reporting I opened an account with XXXX XXXX ( which we all know is a junk buying/old scam company ). I never signed any agreements with this account. XXXX XXXX has created fake documents to include a fake account number and a fake balance. I would like for this account to be removed from my credit report asap Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I filed three complaints. Wells Fargo is the original service provide on my FHA loan. I fell behind and the foreclosure process began. My FHA loan was sold to XXXX. I completed a loan modification with XXXX. The foreclosure process was never stopped by Wells Fargo. Each complain Wells Fargo says they stopped the foreclosure process. However I recently received notification the process was stopped by Wells Fargo just a few day ago. 

In the pending complaint Wells Fargo stated they have not reached me. I spoke at length with their representative on XX/XX/XXXX. She provided me with the attorney who process their foreclosure. The attorney is listed on the notification with Wells Fargo. 

I attached the legal notice.

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 2018-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Veros Credit, LLC
State: FL

Complaint narrative:
XX/XX/XXXX, the vehicle was repossessed. XXXX, I noticed wages being garnished from my check. I, then filed a Head of Household exemption form. In XX/XX/XXXX I received notice to appear before a judge. I appeared in court the Judge granted wages to stop being garnished and return all monies that was taken. And that was final. Also, the are in breach of contract by violating the Arbitation clause. As previously requested they removed account from all credit bureau 's immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/2018 my account was overdrawn by {$63.00} the following day XX/XX/2018 i am going to deposit {$70.00} so that i will not be charged by insufficient fee but when i check my account online i was charged 3 insufficient fee of {$34.00} total of {$100.00} i called the bank and ask them why they charged me of 3 insufficient fee they said that my account was overdrawn 3 times i told them that on XX/XX/2018 i still have enough fund in my account .they did a double entry to my account that is why my account was overdraw 3 times.I told them that i will file a complaint.i even ask them if they can wave the penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX is reporting a debt for {$880.00} on my credit report. This debt was resolved with the original creditor years ago. I have notified XXXX XXXX of this fact, and also disputed the account with XXXX, XXXX, or XXXX XXXX. Unfortunately, XXXX XXXX does not allow the credit bureaus to delete or properly update the account.

Company response to consumer: Closed with non-monetary relief