vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I received a letter of collection from Transword Systems INC that My daughters student loan cosigned by me was placed into default by XXXX XXXX XXXXXXXX XXXX, as she did make payments but not the amount they wanted. I received a call on XXXX From XXXX XXXX at Transworld telling me of the status of the loan and that it was due in full. he asked to verify my daughters address and phone which I did not have access to at the time of the call. I called him again on XXXX and was told that since I am the co-signer I am liable for the full amount of {$10000.00} or a settled amount. I asked about making payments. he stated that payments were not allowed. I stated " well I just don't have XXXX in my pocket '' His reply was, you have a home that is not under mortage and other assets so you do have the money. I felt like this was a threat. He also said he would not deal with my daughter as when he called her she said he had the wrong number. He told me I should pay the loan with a 0 % interest credit card. On XXXX my daughter called talked to XXXX, inquiring about making payments, and was told payments were not an option. On XXXX I called and spoke to XXXX again and asked him why payments were not an option, I was told if it was a federal student loan payments would be optional but are not with a private student loan. He did also say you and or your daughter can make all the payments you want but it will not stop negative action from being taken against you. On XXXX I spoke again with XXXX, he offered a settled amount of {$7900.00} which I could not do. I also asked for a copy of the original judgement which I never received. I called again on XXXX and spoke to XXXX XXXX, I asked for a copy of payment options offered by the company or a policy. She told me that no such document existed. I am not disputing the amount owed, just the collection method. I will have to say that XXXX was always polite on the phone but XXXX XXXX and XXXX XXXX were rude and hateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I've paid XXXX XXXX XXXX {$1000.00} as payment in full to settle a debt after a financial crisis. Upon payment a representative name unknown mentioned he would update credit file. 2 reporting cycles has passed and XXXX XXXX XXXX for XXXX has fail to fulfill there end of agreement. this continues to hurt my credit score badly for chances to buy my family and i a home as well as rebuild my credit reputation in good standards.

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 2018-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX, I paid off my Wells Fargo credit card, as it was in collection status. Due to financial struggles, I never had the chance to pay it off for almost four years prior to this. After paying it off, Wells Fargo informed me by letter that it will be reported to all three credit bureaus as closed & that it can be removed, along with the late payments from XX/XX/XXXX-XX/XX/XXXX. However, that status has never changed and the account is being reported as a " charge-off ''. I've disputed this account with the three credit bureaus, only for the dispute to be denied.

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 2018-06-24 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: CA

Complaint narrative:
I took out a loan in college in XX/XX/XXXX, specifically a FFEL STAFFORD SUBSIDIZED established on XX/XX/XXXX. This loan was paid off as in full as of XX/XX/XXXX. However I am constantly receiving calls for student loan debt. I believe that it is showing that this loan is still outstanding, dragging down my credit score. This loan in paid in full and needs to be reflected on my credit report ASAP, showing as paid in Full 9 years ago. I can send all loan detail as required. Please help me with this as it making car loans and interest rates much higher than they should. 

Thank you.

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 2018-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been receiving points through an app called XXXX, which rewards me for making purchases with my Capital One VISA card at various retailers. Apparently, a couple of months ago Capital One began blocking the access to my credit card purchase information that I granted to XXXX, and XXXX 's servicing provider ( XXXX  ) can no longer retrieve this information. This is interfering with my ability to receive the points from XXXX, which I use to earn gift cards. I believe it is my right to provide access to my purchase history to whomever I wish ; therefore, Capital One needs to honor my decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX My wife died and she had a capital one card that was in her name alone although I was a authorized user on it, I contacted them to close the account and give them the information that my wife had died, They told me that they would need a copy of her death certificate, I did send them the copy of the death certificate They told me that they would close the account, But to my surprise I received a letter from them saying that I was responsible for the account, I have spoken to them several times as they want me to be responsible for the account now that she is not here to pay for the account I told them no as I was only a authorized user and under federal law I'm not responsible for the account, I have continue to receive letter 's from them for payment of this account, will I came home on XX/XX/XXXX and  found a court order on my door to go to court as they are suing me for this account and they have even but this account on my credit report I would asked that you please help me with this as I have no other idea or place to turn Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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 disputed this account with Equifax and the only response I get is verified. I ask XXXX XXXX/XXXX XXXX for VALIDATION since I live in XXXX  & this company seems to be in XXXX. 

My FCRA rights are being ignored and this is my next plan of action to get the XXXX & FTC involved until this is removed from my credit under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. I am being harassed at lease twice a week. I am seeking damages. I asked for the company to validate this debt on XX/XX/2017 according to FCRA 611 ( 15 U.S.C. 1681I ) but they just ignored the request and kept on emailing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
This is a continuation of complaint # XXXX. 
Freedom Mortgage continues to be deceptive and uncommunicative in the correction of the original problem ( see XXXX ) the status has NOT BEEN RESOLVED ) Currently Freedom has cashed my check of {$2500.00} on XX/XX/2018. As of XX/XX/2018 this payment is still not posted to my loan XXXX and Freedom refuses to communicate with me on this issue! Freedom now is trying to charge me an additional {$76.00} fee for their total incompetence to correct THEIR OWN ERRORS. Their shameful business practices should be corrected. I have been attempting to correct the errors has gone on for 54 days now.

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 2018-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BB&T CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX thru XX/XX/XXXX BB & T bank received wire from international correspondent bank in XX/XX/XXXX. Since then numerous fees in the amount of $ 97,000.00+ have been requested via email to be paid for release of beneficury funds. These monies are asked to be sent to XXXX XXXX & XXXX and business accounts. upon research business are all small and varied states. All emails come from BB & T board members emails. 

Another person contacted me as he too complained of the same problems with his wire from same correspondent international bank to BB & T.

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 2018-06-24 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: MA

Complaint narrative:
I been going back and forth with the original creditors, collection companies and credit bureaus ( experian, XXXX, and XXXX  ) to resolve these items that's reporting with multiple inaccuracies but unfortunately i'm yet to get amicable responses from the credit bureaus. These items are reporting with multiple errors and I would like the entire investigation done and detail process of the investigation that took place.

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 2018-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I got an online loan when i was desperate. No one goes over the actually cost and fees, i have paid almost the full amount of the loan and yet the loan has only gone down luke XXXX. I got the loan XX/XX/2016 for XXXX. I have paid about XXXX. On it and yet I still owe XXXX. There is no way i can get out of this loan ever. I feel it is unethical law of business. I feel this should be illegal and the loan washed. I would have no proble paying the remaining balance of What I owed but I can't live or survived paying this. Loan sharks should be illegal. I didnt even physically sign and I swear it did not say i would be paying twice the loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I been going back and forth with the original creditors, collection companies and credit bureaus ( XXXX, transunion, and XXXX  ) to resolve these items that's reporting with multiple inaccuracies but unfortunately i'm yet to get amicable responses from the credit bureaus. These items are reporting with multiple errors and I would like the entire investigation done and detail process of the investigation that took place.

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 2018-06-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I completed 3 online credit card applications the weekend of XX/XX/XXXX/XX/XX/2018 w/ XXXX XXXX, XXXX and XXXX XXXX XXXX The XXXX XXXX application resulted in an immediate rejection alleged on the basis of my Experian Credit Report not containing enough account data to render a decision. 

Since I had yet ordered them, I visited Annual XXXX XXXX to order this year 's free credit reports w/ particular interest in my Experian credit report. While no problems were experienced in ordering reports for XXXX and XXXX, my Experian requests all ended in rejections alleged on the basis of the criteria entered on the ID Request Form not matching the information in their records. Although the data required by the ID Request Form is relatively basic, I continued to receive rejections similar to the above each time I attempted to request my credit report. 

In revisiting XXXX XXXX XXXX this afternoon in an attempt to order my Experian credit report again, I received the following error message upon being transferred to the Experian website : " We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. If you can, please report the details of the issue you experienced below. '' In short, requesting my Experian credit report has resulted in one of the above errors since my initial request over the last weekend in XX/XX/2018.

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 2018-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear Sir or Madam, I appreciate your taking the time to view this. In XX/XX/XXXX I opened a checking and saving account with Wells Fargo Bank. They were running a promotion of {$200.00} if you met certain requirements on the Checking Account. I called in XX/XX/XXXX inquiring when the bonus would be posted. The lady told me I had qualified and the bonus would be deposited within 45 days. I sent them a message after the required time. I was told they needed an Individual Taxpayer ID even though they have my social security number. They said they would mail me the form I needed. I waited 14 days and asked about the form. They told me I should have received it within 10 days but they would mail another and for me to fill out and take to my local branch here in XXXX, GA. I filled out the form and took it to my local branch back in XX/XX/XXXX. I called just a short while ago and after holding for several minutes I was told there were no bonuses advertised during the time I opened my accounts. I asked why I had been lied to and she said I would gotten a code in the mail to receive the bonus. There she contradicted herself. I know {$200.00} is not much to some but I have jumped through all their hoops for months now only to be lied to once more. Can you please tell me what I need to do as contacting Wells Fargo is useless? I am going to close my accounts but I feel they need to answer for their unsuitable behavior. Thank you.

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 2018-06-24 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: CL Holdings LLC
State: FL

Complaint narrative:
Someone open fraudulent accounts in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Per XXXX Submitted to the CFPB on XX/XX/XXXX. American Express did not not update me in the 60 days, by XX/XX/XXXX, in which they stated they would do in their first response. 

In Summary of the complaint : In the Month of XX/XX/XXXX I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them stating I owe {$3700.00}. 
The cause is that in XX/XX/XXXX I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00} to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX  which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. The discrepancy occurred in the Month of XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/XXXX per Reference : XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 2 ) XX/XX/XXXX per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION. I have called American Express several times to explain the situation and they only seem to send me my complete XXXX statements. Unfortunately, they will not look at the XXXX file as proof of this error and they only rely on their Statements which are part of this error. To further my troubles the American Express agent told me that there is nothing I can do to fix the discrepancy between the XXXX and the PDF 's and I should just pay the amount they see as owed. I estimate that I have spent 11 hours on the phone with American Express and 5 hours on my own time figuring out what the root cause may be. At this point I would like American Express to find where the discrepancy is between the American Express statement and the American Express XXXX file. I do have a statement from my certified public bookkeeper that supports my case in the American Express has performed an accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
XXXX card issued by Incomm/XXXX  will not allow activation without emailing to a generic unsecured email address copies of Driver 's License, SS Card, and utility bills. This is an unacceptable and completely insecure means of sending what is essentially all the necessary pieces of information to completely steal a person 's identity. Multiple calls to customer service have revealed that they have NO other option to protect their customer 's PII.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: AFNI INC.
State: FL

Complaint narrative:
Someone open fraudulent accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: FL

Complaint narrative:
Someone open fraudulent accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I checked my credit and seen some fraudulent accounts this was one I  have no clue about I wouldnt want anything from the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: CA

Complaint narrative:
I asked Experian to delete an old collection account because it was past the statute of limitations and the debt collector could not longer collect on it. They conferred with the debt collection company it was a true account, however, they did not delete it from my report despite the collection ( medical ) being a HIPPA 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