vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XXXX told me if I take out a private loan it wouldn't effect my federal aid which it did afterwards. Now XXXX XXXX XXXX, the private loan, is not honoring 6 month grace period and they cut me short on any other grace or deferments. They said requested deferment to be short but I never did. XXXX told me this wouldn't effect my federal aid and now I am stuck with private loan then have federal money. I have contacted XXXX XXXX XXXX to talk to them and they won't honor the full grace after I graduated. They wouldn't honor full deferment and I am not happy with XXXX. From what I gathered from XXXX these companies work with students not prey on students. There should be some kind of reformation on this. I've been paying this even though I lost my job and was in a car accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Previously asked for debt to be validated and company has yet to furnish any proof of validity. Company is reaging the account and listing false information and amounts on my credit bureau profiles.

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 2020-01-13 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: FL

Complaint narrative:
I have dispute this account too many time and the information still the same, Experian for do not cooperate at all, 1 - LOAN # XXXX XXXX PAY OFF AND CLOSED 2 - LOAN # XXXX XXXX - PAY OFF AND CLOSED 3- LOAN # XXXX -XXXX  -PAY OFF AND CLOSED

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 2020-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Washington Collectors Tri Cities Inc
State: TX

Complaint narrative:
Company continues to make calls to my cell phone more than two three times a day. When you communicate with this agency they do not give the mini Miranda 's at all they proposed to be illegal office of attorneys and then they go to a realm of using profanity and threats of violence with continuous back-to-back phone calls I what they going to do. On a fourth interaction they have another representative call you from a different number proposing to squash all threats of violence in commence on apologetic sitting. The threats of violence. So immense there a police report had to be XXXX in order to protect the safety. The police officer also witness the agents threatening and cursing XXXX and failing to disclose what company they represent where they are located for a cease and desist and providing all adequate information. The phone calls continued even after filing XXXX threat with the XXXX Police department and the agents said that they don't care and not to mention they continue to curse and I have voice recorded messages of what they're intimidation consist of in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
OnXX/XX/XXXX i recieved a credit monitoring alert of a derogatory account being added back to my credit file with XXXX.This errouneous account XXXX XXXX XXXX XXXX in the amount of XXXX was removed from my credit file sometime the year prior.This account does not belong to me.Transunion is also reporting this account as well, ive reached out to both parties to get information on this account last year XXXXSince then Transunion and XXXX have not supplied any information on this account. XXXX is in violation of the re-insertion laws per the FCRA, All Credit bureau 's are required to inform the consumer of any re-insertion.This has hurt my ability to obtain credit as well as the constant back and forth with the Credit bureau 's as well as the collection agency.XXXX  has removed this account with no issue at all.Myself and my attorney have started legal action against Transunion and XXXX  and XXXX for violating the FCRA and my rights as a consumer.

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 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion reported a credit card charge of {$5000.00}. I tried to get a credit report and tried to file a dispute on XXXX. Was not able to get the credit report or file a complaint. 
The {$5000.00} charge was a line of credit which was paid off in less than 3 weeks but TransUnion continues to carry an incorrect balance. 
Balance is 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 2020-01-13 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: First Advantage LNS Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX i recieved a credit monitoring alert of a derogatory account being added back to my credit file with XXXX.This errouneous account NCAC/National credit audit corp in the amount of XXXX was removed from my credit file sometime the year prior.This account does not belong to me.XXXX  is also reporting this account as well, ive reached out to both parties to get information on this account last year XX/XX/XXXX.Since then XXXX   and XXXX  have not supplied any information on this account. XXXX  is in violation of the re-insertion laws per the FCRA, All Credit bureau 's are required to inform the consumer of any re-insertion.This has hurt my ability to obtain credit as well as the constant back and forth with the Credit bureau 's as well as the  collection agency.XXXX has removed this account with no issue at all.Myself and my attorney have started legal action against XXXX  and XXXX  and NCAC for violating the FCRA and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
OnXX/XX/XXXX i recieved a credit monitoring alert of a derogatory account being added back to my credit file with Experian.This errouneous account XXXX/XXXX  XXXX XXXX XXXX in the amount of XXXX was removed from my credit file sometime the year prior.This account does not belong to me.XXXX  is also reporting this account as well, ive reached out to both parties to get information on this account last year XX/XX/XXXX.Since then XXXX   and Experian have not supplied any information on this account. Experian is in violation of the re-insertion laws per the FCRA, All Credit bureau 's are required to inform the consumer of any re-insertion.This has hurt my ability to obtain credit as well as the constant back and forth with the Credit bureau 's as well as the collection agency.XXXX  has removed this account with no issue at all.Myself and my attorney have started legal action against XXXX  and Experian and XXXX for violating the FCRA and my rights as a consumer.

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 2020-01-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I paid for a full one year gym membership at XXXX with a GMCardbacked by CapitalOneon XX/XX/XXXX. I paid for 12 months, the duration of the agreement, on the spot. I used the membership throughout XXXX and XXXX. In XXXX, more than a year later, I went back to the same gym. I asked if I needed to sign another contract. They said I could simply pay month to month. I gave them a new card issued by GMCard, once again. The gym apparently set up automatic payments without my knowledge at the time. I never signed any documents in XXXX. I realized this situation a few months after, and I called the gym at the time to ask them to stop charging me. They refused, and demanded I go in person to a gym to cancel the membership. I explained to them that I never agreed to being put on automatic payments, and that I was not under contract at the time therefore not under any obligation to cancel anything. They continued to charge me, and I disputed the charges on my card. I fulfilled all the requirements and responded to the credit card companys request in a timely manner. At first, the credit card reversed the charges. But then the gym sent a copy of the contract from XXXX of XXXX. From my understanding, the credit card company didnt really look closely at the dates and the stipulations of the document. They decided in the gymss favor even though this was an old contract that was paid in full and terminated. There was a whole year gap from when this contract ended to when I returned to the gym during which I never made a payment. 
We have been going back and forth for a few months. When I complained to the credit card company, first they sided with me. I wrote a letter and even spoke to a representative to explained that the membership agreement I signed is not binding for life. However, the gym sent the same membership agreement from XXXX, and the a different credit card department reverted to siding with them. The credit card company is not doing their due diligence to look at the dispute in front of them. Because I have no documents to prove I did NOT sign a contract in XXXX, they side with them. The only document they have provided is the old terminated contract from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 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: Nelnet, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2019 I stopped payment on a {$15000.00} loan, which was through XXXX XXXX XXXX XXXX  - the monthly amount, {$400.00}. I did this for two reasons : I was out of work and couldn't pay the loan, and secondly, I had been scammed. Part of the loan was to pay XXXX XXXX and XXXX XXXX, via XXXX XXXX XXXX, XXXX, {$13000.00}. The remaining balance of the loan was to pay for leads to build an income. Nothing came of it. 

I am filing this complaint because I want my credit score restored. Per my discussions with representatives from XXXX XXXX XXXX XXXX, they can do nothing to clarify why I stopped payment. They can only report that I stopped making payments on the loan. They are fully aware of the lawsuits and my requests, via an attorney, to be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
I would like to bring your attention to a serious issue I have with Money Gram wires that first took place on XXXX of XX/XX/XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the fraudster. 
The funds were transferred utilizing Money Gram 's services in the total amount of XXXX USD! 
I would also like to point out that on XXXX of XX/XX/XXXX and on the XXXX of XXXX XXXX I filed a disputes with Money Gram.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
pnc card ending XXXX told them there was a charge from XXXX  i did not recognize. they took away my credit i just called and was put on hold i cant wait i am in court now should i have to. i do dispuute XXXX from XXXX  and would like my card back. and my available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a couple disputes with my account ending XXXX with wells fargo and they closed that account and they reverse the claim and added to my account XXXX I was told that if there are disputes on a account the account will not close also this has cause me alot of stress i would like for them to fix the issues and i believe that wells fargo old me money. 
I wish some one can audit they system to see the issue

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 2020-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found a late mark on my account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION

Complaint narrative:
I have been without my new ( renewed ) ATM Card sinceXX/XX/XXXX  I have sent myriad requests to obtain my new ATM Card. I've been told that it has been sent to me sinceXX/XX/XXXX ( 1st that it would take 15 days, then 30 days, then 45 days ). Today isXX/XX/XXXX and I have still not received it. This is my 2nd complaint to XXXX and my American bank has not responded to your first request.

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 2020-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/19, I attempted to open an account with BMO Harris Bank online. While signing up, it requests information to fund the account from another institution, and seeks the account information for a transfer. importantly, the screen states that your money will not be transferred until you complete the application process. 

When I went to complete the process all the website did was show me the information I had submitted already. It did not confirm I had completed the application, did not advise whether it was successful, and did not provide any next step in the process., 2 days later, I receive an email telling me my initial deposit of {$6000.00} was successful. Again, no information on how to access my account. To date, I have made no fewer than 11 phone calls. I have confirmed that despite the lack of information, BMO Harris did open an account, and does have my money. Unfortunately, I can not access any of my money because the bank now says it can not verify my identity and does not give out bank account numbers over the phone. In discussions with customer service, they have apologized because the failure to give the bank account number to customers is a " common problem '' they are trying to fix. 

In the meantime, the {$6000.00} transfered from my XXXX  XXXX XXXX account -- without even confirming that I wanted to complete the application or telling me the bank account number -- si now outside of my control and BMO Harris. Bank, will not give me access to my alleged account or my money. I have not ever been given a bank account number.

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 2020-01-13 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: CREDIGY USA CORP.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation