vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm a XXXX XXXX XXXX XXXX Veteran, I had a home financed with Wells Fargo Mortgage Account number XXXX for my VA home loan locations of home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past SEVERAL years i have told Wells Fargo that my loan was transferred to the VA and WF paid off, yet Wells Fargo continued to Lie, Misled, Alter documents and records and submitted for several years false and inaccurate information thus damaging my personal credit, WF refused numerous times to correct the Credit Reports and continue to lie and caused me serious financial hardships and higher loan interest rates etc .... This went on for years even the Credit reporting agencies told me time after time that WF reuses to correct the problems and it continued harm me. 

Finally Wells Fargo got caught and I received a letter that WF now admits they erred for years on my credit and loan on my home. This letter received last week admits the problem and they now years later are letting me know they screwed up my credit for years. It has cost me dearly to the amount of over {$11000.00} in financial loses and denials, and higher interest rates all because they lied. Knowlingy misled me, other banks, credit cards etc. all causing me financial ruin.

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 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
Ncc business services has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I contact XXXX XXXX and XXXX about an unauthorized hard inquiry after i received a copy of my credit report. They agreed to remove it from my credit report but they never did. This is very frustrating, is a very serious matter and XXXX XXXX & XXXX wont help me fix it. Please remove unauthorized hard inquiry from my credit report XXXX/XXXX XX/XX/2017

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 2018-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This debt has been charged off and account closed. I have asked for validation of this debt and not received it.

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 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was never notified that I had not paid my credit card debt online. The last statement I received was in early XX/XX/XXXX, but there were no attempts made by Bank of America to contact me regarding my payment for XX/XX/XXXX being late. I spoke with XXXX XXXX of Bank of America in an online chat on XX/XX/XXXX, and she told me that it was not up to the bank to inform me that I had to pay a debt ( which I believe is not true ). The past due amount was {$25.00} and the total balance was {$68.00}. This debt negatively impacted my credit. I only contacted Bank of America when I happened to check my credit score and saw that it had been lowered due to this debt. Bank of America made it clear that they had no intentions of making any attempts to collect the debt owed.

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 2018-02-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX its showing on my credit report of lateness of 30 days with my Bank of America credit card. I contacted a representative a while ago to remove this since I've had 33 consecutive months making payments on time and they reassured they will take care of this. This issued occurred due to automatic payments not being setup correctly. After the matter was fixed, we've never had any issues.

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 2018-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
I applied for a loan through Prosper after being pre approved via XXXX XXXX. I began the application, but decided to hold off. They sent me numerous emails asking me to finish the application. 

I received one email per day starting on XX/XX/XXXX. On XX/XX/XXXX I decided to take the offer. They required one piece of documentation after the application and funds were approved ; proof of income. 

However, their process of acquiring that proof appears to be either arbitrary, or nefarious. The only option given is to submit a pay stub. My employer, however, does not provide me with that. He just writes me a check. I am a XXXX XXXX. So, I submitted the most recent check I had. 

I received a phone call today, XX/XX/XXXX, stating that they needed a pay stub, not a check. I asked what information they would need since my employer does not provide a pay stub. I found it irrelevant how the information was given, provided that they had the information. However, the woman made it clear she was not going to give anything anyway and that I had to submit a pay stub and they would not accept anything else. 

So, I submitted a pay stub with the following information : Employer name, address, tax ID #, and phone number ; my social security number, address, phone number ; the check number and paid date ; federal, state, local, social security and XXXX withholdings ; gross and net pay. 

She denied the document citing " the information was inappropriate, '' and not clarifying beyond that. I called back and talked to another individual. When I pressed on why they are so coy about what information they require of me to prove I have an income she said, " if we tell you what information we need, then you'll just give us that, '' as if that is nefarious and an individual has to guess what they're looking for or lose out on the loan. 

If they need information to prove my income, then they need to let me know what that information is beyond a " pay stub, '' since I provided that and they deemed it " inappropriate. '' The agent appears to want the information in some arbitrary format that nobody at Prosper is willing to disclose. The institution needs to simply review and verify what I have given them to see that I do, in fact, have an income. Their unwillingness to do so, I believe, is discriminatory and intentionally deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan has pull my credit report without my permission, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and many time before those dates. I dispute it back in XX/XX/XXXX but was unsuccessful. Now it look like they are going to start pulling my credit report on a monthly basic like they did many time before. The last time I apply for credit was on XX/XX/XXXX and it was with XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: CA

Complaint narrative:
I'm a XXXX XXXX XXXX XXXX Veteran, I had a home financed with XXXX XXXX XXXX Account number XXXX for my VA home loan locations of home XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past SEVERAL years i have told XXXX XXXX that my loan was transferred to the VA and XXXX paid off, yet XXXX XXXX continued to Lie, Misled, Alter documents and records and submitted for several years false and inaccurate information thus damaging my personal credit, XXXX refused numerous times to correct the Credit Reports and continue to lie and caused me serious financial hardships and higher loan interest rates etc .... This went on for years even the Credit reporting agencies told me time after time that XXXX reuses to correct the problems and it continued harm me. 

Finally XXXX XXXX got caught and I received a letter that XXXX now admits they erred for years on my credit and loan on my home. This letter received last week admits the problem and they now years later are letting me know they screwed up my credit for years. It has cost me dearly to the amount of over {$11000.00} in financial loses and denials, and higher interest rates all because they lied. Knowlingy misled me, other banks, credit cards etc. all causing me financial ruin.

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 2018-02-27 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Complaint regarding ChexSystems, Inc The 'Inquirer being XXXX XXXX XXXX XXXX , of an Inquiry Date of XX/XX/XXXX. The Reported Information from Check Systems in Form Request prepared for XXXX XXXX XXXX # XXXX. 

The Escalated ' Concerns for Old Information reappearing As ' Reported Information by CheckSytems. I have a 'good repoor ' with the Source of Information As ' XXXX XXXX XXXX . I  was Assured by the XXXX XXXX  President 17 Months Ago that ' this Issue was Resolved. On XX/XX/2018, I ' informed the XXXX XXXX President that ' yet, again there was Old Information still being Reported through CheckSytems. 

Additional Information ' on the Check Systems Report claims ' that ' XXXX also, received this Information, but upon checking with XXXX this is not. true on 'all XXXX Reports. 

Since, CheckSytems refuses to Remove this Information from their Database, And I feel that ' the Information is being used for Identity Theft, I would like to further the Compliant ' with Investigation. 

In a 'gathering of data ' I ' have provided Documentation that ' the Debt of Merchant Disputes were the Negligence of XXXX XXXX Dispute Department , and the Debt was Resolved. 

CheckSytems, XXXX XXXX  and numerous Merchant disputes offers 'Explanation to Continuing Identity Theft, Domestic Finance and Continuing Domestic XXXX being Investigated by, the Federal Bureau of Investigations as well As ' recent and past Compliant ' submissions to the FTC and the CFPB. 

Check Systems also, provided the wrong address recognized by the FBI As ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM 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 2018-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I contact Capital One and XXXX about an unauthorized hard inquiry after i received a copy of my credit report. They agreed to remove it from my credit report but they never did. This is very frustrating, is a very serious matter and Capital One & XXXX wont help me fix it. Please remove unauthorized hard inquiry from my credit report Cap One XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My wife and I have been purchasing from XXXX XXXX for many years and we normally take advantage of the zero percent interest promotions that are offered through XXXX XXXX/XXXX XXXX. Late last year we purchased a new dining room table and selected the " Zero Percent Interest '' promotion if the full balance is paid by a certain date. Each month we made payments as usual and as the promotional end date started to get close, our monthly statements started to warn us in red text that the balance due for that promotion was about to end. We received our XXXX statement a few months ago and on the front page in RED TEXT, it's clearly states that we had to pay {$830.00} by XX/XX/XXXX in order to avoid accrued interest charges for our purchase. Soon after we submitted payment for that exact amount and it was received by XXXX XXXX on XX/XX/XXXX. Five days before the due date. 

Now we are in XXXX and our latest XXXX statement shows that we didn't pay the correct amount in order to avoid massive interest charges and that our payment was short {$95.00} for a unrelated promotion. I called XXXX XXXX/XXXX Customer Support and after speaking with multiple agents and a supervisor for over an hour, they insisted that my latest statement is correct and there was nothing they could do to help me out. 

Its very clear that we followed the payment instructions perfectly so Im requesting an adjustment to my XXXX statement for these unsubstantiated charges. I look forward to a resolution that is fair as these finance charges are unwarranted. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 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: MD

Complaint narrative:
When contacting Capital One about receiving a goodwill adjustment on an oversight by me as well a login error by them I was advised that my account did not qualify for a goodwill adjustment and that I could not be told how to quailfy for a goodwill adjustment. I have been a customer of Capital One for 7 years with 2 credit cards and have never made a late payment outside of one on either account. So when asked why I dont qualify or how can I improve on my account so I can qualify I was told that is proprietary information and I could not be informed of that information. Based on my relationship with Capital One I don't understand how I don't qualify and how they can have standards that is not shared with consumers. This allows for discrimination and unlawful practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Someone hacked my Paypal account and PayPal is not even acknowledging I am filing a complaint ; they appear not to be willing to investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I contact XXXX XXXX and XXXX about an unauthorized hard inquiry after i received a copy of my credit report, they agreed to remove it but they never did. This is very frustrating, is a very serious matter and XXXX XXXX & XXXX won't help me fix it. Please remove unauthorized hard inquiry from my credit report XXXX/XXXX XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CO

Complaint narrative:
I had contacted American Education Services and made a payment of XXXX on XX/XX/XXXX. This payment was supposed to bring all 4 loans down to 39 days past due. When the payment was processed, it was not done as specified when talking to the person that took the payment by phone. When looking at the account, it showed one account being 13 days past due, two others showing 44 days past due, and the other was showing 75 days past due as of Wednesday XX/XX/XXXX. I contacted the customer service on this day and there was a request to re apply payment to correctly show the past due time/amount. If the amount paid was correctly distributed as instructed there would be no issue. As of today XX/XX/XXXX, This was still not corrected. 

Upon looking at the account on Monday XX/XX/XXXX at XXXX hours MST i noticed a change in the current interest rate at 6.06 % for two loans ( XX/XX/XXXX and XX/XX/XXXX ) without any notification at all. I received the new repayment terms from AES via the paperless inbox which was dated for XX/XX/XXXX and showed a 5.870 % interest rate. Again, I never received any notification of this change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the date XX/XX/2018 Chase turned off my credit card and didnt give me a reason why. They closed my account for no reason. I only had XXXX cents but they said I can never open and account with chase again. They didnt even call to let me know. They turned off my account and waited for me to see that it was turned off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
One main financial has been repeatedly harassing me. They have repeatedly called me at work after myself and my boss notified them I can not re have personal calls during business hours. It got to the point where my boss has to have a conversation with me about them harassing and calling everyday. They have interrupted my day numerously. They have threatened to sue me and garnish my wages. The representatives were never pleasant or positive. I have talked to them several times making them aware of my decreased financial income. I was in a car accident t in XX/XX/XXXX and a horrific life changing auto accident end of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Report # XXXX ; XXXX Confirmation # XXXX ; I am filing this complaint because XXXX, XXXX, & Experian have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # 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 non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
We were in Court on XX/XX/2017 between me and The point at XXXX XXXX XXXX. The district Judge dismissed the case against me since it wrong. Now the collection agency ( Fair Collection and Outsourcing ) ignore the judge decision ) and reported me to all 3 major credit report agency to destroy 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