vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-07 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have had this card for almost 1 year now ( well beyond the 8 - 12 weeks timeframe past the initial 3 months bonus timeframe ), so any promotional bonus spending reviews should have been done and finished. 

But my membership account is still frozen and under review, as I can not transfer the points as advertised. 

Please make it so I can use my membership rewards points immidiately - at almost the one year mark of my having the card, the review for any promotional bonus offers should be done and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
My XXXX XXXX card was stolen from my car along with a small journal with a lot of important numbers I keep in my armwrest. Because I barely use my card, I didnt notice it was lost until I tried to make a purchase at a restaurant. I called my bank to report my card stolen and they told me of transactions on the account. I informed the specialist that I lacked online access to see these transactions and that I would like to get access and file a dispute. The specialist told me I had to wait till the transactions posted and said she will email me a login info. I never received the email, and called back 2 days later to see if ye transactions posted. The supervisor told me yes and helped me file a dispute. She then said she will send me another login information to gain online access, but I still didnt receive it, and it was like that back and forth. I didnt hear from my bank till a couple of days when I received my replacement card and I couldnt activate it. They told me my account was closed, but wont tell me why and that I should go online and referr to the card agreement service page. I did t hear from them again until I called today to ask for the status of my claim and they told me they reached a decision on XXXX that said they denied my claim because my card was used with a merchant close to where I live. I told the lady so if I someone robs a bank closer to the owners home does that mean the owner is at fault? I asked hem to reopen my case and ask for video footage or a receipt where I signed anything and they refused and told me to send in an appeal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I sent a letter asking the company to validate the account on XX/XX/XXXX and they sent me a bill from the original creditor with a XXXX balance. They are still requesting me to pay XXXX and they are still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: WI

Complaint narrative:
This complaint is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I  had the right to demand that each credit bureau disclosed to me all of the documents that they should have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I have asked them several time to please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in their files that were used to verify them. If they did not have any documentation in their files to verify the accuracy of these disputed accounts listed below for each of the credit reporting bureaus then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

As a consumer under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they were unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of this compliant then they must remove these accounts from my credit report. 

I requested each credit bureau to please provide me with a copy of an updated and corrected credit report showing these items removed, I demanded the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : Please also remove all non-account holding inquiries over 30 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 non-monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: NH

Complaint narrative:
XX/XX/XXXX BMW Financial Amount Owed and still reporting on Credit {$12000.00} This Debt was a joint debt with my Ex-wife which this vehicle was awarded to her in the divorce that made her solely responsible for the vehicle. She then let the car get repossessed and filed for chapter XXXX bankruptcy which she knowingly knew and her lawyer knew that she could not discharge this debt. 
Please see Case In the Matter of XXXX & XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) ( The issue here is whether a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non-dischargable in bankruptcy, or whether the creditor must request the court not to discharge the debt. We conclude that since the passage of the Bankruptcy Abuse Prevention And Consumer Protection Act of XX/XX/XXXX. ( XXXX ), XXXX. XXXX XXXX ( codified as amended at 11 U.S.C. 523 ( XX/XX/XXXX ), a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non dischargable in chapter XXXX bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CA

Complaint narrative:
In XX/XX/XXXX I had an unexptected job loss. Lending Club said they can do a 3 month hardship plan. I only had to pay {$120.00} for XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. I was out of money due to unemployment running out. In XX/XX/XXXX, my unemployment came in 1 day later than the due date. When I went to make the payment, Lending Club said that I was in collections and I had to make up the 3 months of payments ( approximately {$1000.00} ). I did not have a job yet. I finally got a job XX/XX/XXXX, but my first paycheck was in XX/XX/XXXX. Lending club did n't disclose to me that I would have to make up the 3 months of payments when the hardship ended. I was given different information from different representatives. They reported a 90-day late on my credit. I made small payments and ensured them that I would catch up the payments. I have since paid them off ( XX/XX/XXXX ), but I am having trouble with potential employers because of my credit score due to the 90-day reporting. All I ask is that they remove the 90-day reporting because I was cooperating with the little money I had and I was misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
late XXXX or XXXX XXXX I spoke with a rep at XXXX  XXXX XXXX XXXXXXXXXXXX XXXX, it was an oversight on being late with my last balance due of {$52.00}, i was on a deferred payment plan. I followed up after the call with a letter of hardship. The rep on the phone call agreed to drop one {$29.00} and kept one {$29.00} on the balance, bringing my balance to {$89.00}, I take care of my XXXX year old mother which has brought significant financial problems. My small balance was not intentionally over looked. Hurricane Irma struck on XX/XX/XXXX in XXXX XXXX Fl. I am in a six month forbearance with XXXX XXXX. It has been absolutely chaos in my home and the XXXX XXXX. On the first phone call I asked that my credit card be cancelled. Upon receiving my statement from XXXX XXXX, my balance is now {$150.00}. I presently have XXXX XXXX XXXX installing a XXXX XXXX as my mom XXXX XXXX XXXX. I proved my finances to them. I mentioned yesterday by phone to XXXX XXXX  that I have financial proof of everything. They refuse to bring my balance back to the {$89.00}. Even though the credit card was cancelled by me in good faith, I now read on line that they help hardship clients and disaster victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: CA

Complaint narrative:
After submitting a dispute form to Equifax, I received e-mails stating that the matter had been resolved with a confirmation number and links to view the results. Despite submitting the confirmation number ( XXXX ) and answering a series of questions, Equifax 's website returns an error message saying that it is unable to display results. I waited several weeks and tried again with the same conclusion. 

I contacted the company by phone in the interval. The representative claimed that the information had been corrected, but I want to see written confirmation detailing the correction or receive an updated ( free ) report. Equifax is inefficient and difficult to contact, probably by design.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I was contacted by Ability Recovery Service after this debt was recorded on my credit report in XX/XX/XXXX. I spoke with a representative inXX/XX/XXXX to inform them that I did not owe XXXX University anything. I ask for a debt validation and they sent me a statement from XXXX University that showed that I had a balance on my account. I asked for documentation that provided a detailed breakdown of what the amount was for and nothing new was sent. I reached out to XXXX University and they said that it was a student loan refund check sent to me but because I did n't finish the quarter I owed them that money back. I have never been informed before this year that I owed a balance. I withdrew from school because of a XXXX and as a result in XX/XX/XXXX all of my student loans were forgiven by the government. They say that I owe {$1800.00} because the money that I received in the amount of a refund is owed to them because I withdrew from school but that money was included in my forgiven loans. They never sent any student loan documentation in support of their claim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Receivable Management Services LLC
State: NV

Complaint narrative:
Constant threatening phone calls from XXXX concerning a supposed debt of which I have no knowledge

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 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Dear CFPB, Every week and sometimes two times a week I get a call from a company called Card Member Services using a Robo caller called XXXX. She advises me they now have lower credit card interest rates and can lower payments on all my credit cards. She tells you to push 1 to get someone who will assist you. I have pushed 1 and told them to quit calling me but to no avail. You also have the option push 2 and they will quit calling. I have and they still are calling going on 2 years now. Please get them to stop! The last number they used to call me was ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XX/XX/XXXX XXXX XXXX Amount Owed and still reporting on Credit {$12000.00} This Debt was a joint debt with my Ex-wife which this vehicle was awarded to her in the divorce that made her solely responsible for the vehicle. She then let the car get repossessed and filed for chapter 7 bankruptcy which she knowingly knew and her lawyer knew that she could not discharge this debt. 
Please see Case In the Matter of Mason & Mason, 164 N.H. 391,395 ( 2012 ) ( The issue here is whether a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non-dischargable in bankruptcy, or whether the creditor must request the court not to discharge the debt. We conclude that since the passage of the Bankruptcy Abuse Prevention And Consumer Protection Act of 2005. ( BAPCPA ), Pub. L. No109-8 ( codified as amended at 11 U.S.C. 523 ( 2006 ), a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non dischargable in chapter 7 bankruptcy )

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 2017-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I have not overdraft my account in over 4 months, and when it was it was almost immediately remedied. However, my bank Ally continues to hold checks for 5 business days, these are checks from my employer for reimbursements such as mileage and tuition, not checks drawn on a random account. 

It seems to me that this practice suits to assist the bank in collecting overdraft fees rather than preventing them. I have never attempted to cash a check that bounced, etc. I believe they are practicing this solely to attain more money for themselves.

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 2017-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
obtained loan XX/XX/XXXX interest rate was very high and i lost my job, it was outsourced to XXXX in XX/XX/XXXX i struggled to pay payments, XXXX XXXX would n't work with me to lower any payments or interest, i paid {$280.00} per month until XX/XX/XXXX totaling around {$13000.00} and the original amount purchase price was only {$11000.00}. they are showing i owe an amount of over {$9000.00}. this is making it impossible for me to obtain a vehicle loan. i have talked to the company several times. they are saying i paid nothing on my credit report. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: APPLE FINANCIAL HOLDINGS, INC.
State: CA

Complaint narrative:
I have had my credit card with XXXX XXXX bank for several years. I received an email tell me the sent me a new card. I received another email saying they sent me a new card and my current card will be deactivated. I needed to activate my new card. I never received a new card, so I called them. When I spoke to them they said they will send me out a new card. I got an email now saying my bill was due. I went online to pay it. It said my balance was zero. I got another email that said my bill was late and I would pay a late fee, so I called them again. They said I was charged {$30.00} for a new card, {$27.00} for late fee and {$5.00} for maintainer. They said I had to write a letter and fax it to dispute the charges. I did that. They emailed me back and said they would credit me the {$30.00} and {$27.00}, but I had to pay the other late fees first. I started to them they changed my account number and I would not be able to pay it without the account number. They said pay it to the old account number. I then questioned the amount I needed to pay. They said Past Due {$35.00} XXXX / Remaining Amount Due {$35.00} XXXX Total by XXXX {$70.00}. Im waiving {$27.00} Late Fee and make sure Amount. Due is paid {$0.00} after your {$70.00} total pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
The issue relates to the complaint : XXXX I tried to log in into my online account today and the message I received that the account has been disabled for a security reasons. When I spent over 25 minutes getting the account unlocked including one time when the CSR 's informed me that the account has been unlocked. Unfortunately the explanation given was that it was " other security dept '' that overrode CSR decision therefore my online account access is still disabled. I have logged in numerous times before with the same ID and password and never had the issue such as this and it appears that account freezing is a retaliatory measure for filing a complaint with the CFPB. 
Questions : Why my online access was flagged to be disabled even when I entered a proper ID and password? 
Why the CSR has told me that the account was unlocked where in fact it was n't ( I did receive two email  messages confirming account lock out? 
What does it say for the culture at the bank that allows this type of retaliatory measure against a banking customer? 
When is my account going to be available for online banking? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
This company failed to send me documents validating that i owe this debt. They informed me that they will be placing this on my credit report and damage my credit history. The company didnt give me proper notification to handle the debt. I get constant calls in which the phone hangs up when i pick up and say hello. I have sinced blocked the call because i was disciplined at my XXXX unit because they called during formation. I also checked my local secretary of state to see if this Company has a business license authorizating them to conduct business in the state of California and they dont. This company was hired by a slum management company to complete their dirty work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: TX

Complaint narrative:
I applied for and received an unsecured personal loan from Bankers Healthcare Group for a very high interest rate. 17.99 % for 96 months. Bankers Healthcare Group sold my loan for the principal plus future interest to another bank, at 6 % interest rate for 96 months. The monthly payment remained the same, but the principal due was higher by almost 70,000, and they claimed that the loan was now secured by my practice assets. I did not receive the additional principal. Bankers Healthcare Group profited that from the sale of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I 've been going back and forward with this company about this debt not belonging to me. They have started to contact me by phone, attempting to collect a debt not owed. After speaking with an attorney, I decided to see if this company is licensed to collect debt in Louisiana, but it turns out that this company 's status is " inactive '' in Louisiana. Louisiana requires a license to collect debt. Therefore, they should n't be attempting to collect a debt from me. This company is harassing me about a debt that I do not owe them. I ask that this company do not contact me anymore and REMOVE themselves from my credit reports. If this company can not provide me their license to collect debt in Louisiana or an agreement with my signature stating that I agreed to pay them and not another company then they should REMOVE this debt immediately.

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