vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My issue is with my Capital One Venture credit card, which I have had for a long time. I have been an excellent customer with no late payments and paying my bill in full every single month, and additionally paying an annual fee for the rewards benefit. 

Very quietly and underhandedly, at some point earlier this year Capital One changed the redemption value of miles for gift cards in their rewards program making the miles of 25 % less value toward gift card redemption. Ever since I had the card, the value was XXXX miles per {$100.00} gift card. That was always the redemption rate. Recently I went in to redeem for a {$100.00} XXXX gift card and noticed that the miles required for a {$100.00} gift card shot up to XXXX miles, making my miles 25 % less valuable. I have been accruing these miles for years, paying my annual fee, and paying my bill in full ( never, ever late ) in order to save up miles for a very specific purpose of redeeming them for hotel gift cards. I do NOT want a statement credit. I want the value of the miles that I have accrued in relation to what I agreed to when I got the card - XXXX miles per {$100.00} in gift cards. I have checked my email back to XXXX and there was no notification of this change whatsoever, and I log into my account regularly to check balances and likewise there was absolutely NO notification of this change whatsoever. I was told it supposedly happened in XXXX from one of the reps I spoke with. I log into my account ALL the time and there was no notification of this change. If I had known of the change, I would have had an opportunity to redeem my miles for what they are actually worth before the change. I never had this opportunity. And OF COURSE they kept this quite so as to avoid just that. That is deceptive, nefarious, and non-transparent business practices. I have emailed and called the company repeatedly to get this resolved to no avail, which is truly disgraceful. I am owed XXXX miles, 25 % of my current earned miles, to make up for this unknown decrease in value so that I may redeem them for the worth that they were originally for. This is the only acceptable remedy to make my miles worth the value I agreed to in the original terms - I UNEQUIVOCALLY DID NOT AGREE TO THIS CHANGE IN TERMS AS I WAS NEVER NOTIFIED OF IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX/transunion per Transunion credit report XX/XX/XXXX XXXX XXXX est fall off dateXX/XX/XXXX looking at XXXX XXXX, XXXX XXXX was removed from credit reportXX/XX/XXXX new XXXX XXXX report XX/XX/XXXX ; XXXX XXXX was placed back on and new est fall off date XX/XX/XXXX 1-why was it put back on after it was removed 2-why is the fall off date changed to XX/XX/XXXX from XX/XX/XXXX 3-date of last payment with original creditor XXXX XXXX XXXX XX/XX/XXXX per credit report ( XX/XX/XXXX was 30 days late and account never brought up to date. XXXX XXXX shows last payment XX/XX/XXXX but delinquency date of 120 days was XX/XX/XXXX. XXXX XXXX already removed from all three credit reports. 
4-XXXX for XXXX is 4 years and previously XXXX already advised in writing they can not sue me! 
5-why did date change and put back on credit report after it was removed

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 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This is an identity-fraud case. I have told them I didn't subscribe to XXXX-XXXX they continue to send me a collections letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
This company repeatedly calls my job up to 5 times per day before the hours of XXXX and well after. They even call on weekends. They do not say anything, they hang up and/or not leave a message. This is harassment at my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: FL

Complaint narrative:
My concern is attached, as well as supporting documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Paramount Capital Group, Inc.
State: CA

Complaint narrative:
PARAMOUNT CAPITOL GROUP XXXX XXXX XXXX PAXXXX Acct # XXXX I spoke with XXXX XXXX about my account on ( XX/XX/XXXX ) and I asked her why they were not sending me my states meant since XX/XX/XXXX. She claimed that I filed bankrupt on XX/XX/XXXX and listed there organizations in the bankruptcy case. 
I told her that she should of received a document in XXXX XXXX regarding the release to continue with the loan agreements, further more, I told her that I need all of the statements since conception ( XX/XX/XXXX too XX/XX/XXXX. 
She said she needed to copy of the bankruptcy discharged papers in order to release them. 
I sent them on, by email, on XX/XX/XXXX. I sent her two more emails asking her where are the statements? I have had no response from her or the company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXXXXXXFailure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: FL

Complaint narrative:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX..Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2019-07-29 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: FL

Complaint narrative:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXFailure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2019-07-29 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: FL

Complaint narrative:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2019-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I posted a XXXX 'XXXX XXXX advertisement for concert tickets and a potential vendor called me saying he would transfer the tickets over to me, as soon as I provided him {$70.00} for the first ticket via PayPal. He stayed on the line, but eventually hung up and never sent over the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: DISCOVER BANK
State: NY

Complaint narrative:
I filed a dispute with discover for a timeshare charge I signed the contract on XX/XX/2019 and sent a letter to rescind on XX/XX/2019 due to financial hardship. I sent the two certified letter one on XX/XX/XXXX, and XXXX requesting to rescind. Discovery credit my account and reversed the charges to the company. I was informed that the company sent in documentation that I signed the contract. This was not my dispute. My disputes is that I tried to contact the timeshare company to rescind and they didn't responded to me until they received the dispute. Discover informed on the contract it stated that I can not cancel unless a breach from one party. However I received a email from the time share company stating the following '' We have received notification stating you have filed a dispute with your credit card company in regards to the charges made by the Club. Per our internal policies, once a dispute of the charges has been made, we are compelled to wait until the members financial institution completes its investigation and we receive the outcome of this process to further discuss the submitted cancelation request. 
The Club does comply with the decision made, whether it implies that the banking institution reinstates the funds to the member or not. In the event that the resolution is in favor of the member, the contract signed becomes null and void ; otherwise, we will resume communication with you to discuss a resolution according the outcome of the dispute process. I called Discovery to dispute this decision and was informed that I couldn't. I tried again to contact the timeshare company and again no response. I can not afford this and the high pressure sale tactic during this presentation was misrepresent. If they can not cancel why was it mention in the email if the credit cards refuses to pay they will cancel the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
WAKEFIELD & ASSOCIATES is reporting a claim for a {$1400.00} debt as a monthly payment that is late each month. The debt ( unknown ) is 17 years old, or more and I have never agreed to make monthly payment and don't even recall what it is. Not fair to report such an old debt, that may or may not be owed, and to fake a monthly late payment when no payment arrangements have ever been discussed is wrong and it's preventing me from moving into an apartment. 

This company has also figured out a way to report this same collection as 2 separate collections, just to make my score even lower. they are holding my credit hostage with false reporting. XXXX  removed one of these because they recognized it as fraud. 

WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: NY

Complaint narrative:
I received a moratorium for about 5-6 months from nelnet. But im still struggling to keep up with my financial problems. My student loan is making it unbearable to be happy in any circumstance.I Have an empty refrigerator for the last 6 months.. Btw my Associates degree that i majored in is not being utilized.Never had been! Please help in any way you can, so i can take a little breather, and go grocery shopping or let me purchase new underwear and socks, that's needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ReliaMax Holding Company
State: FL

Complaint narrative:
Unable to make payments, auto withdrawals stopped but the company continues harassing phone calls several times a day during non-business hours and weekends, and makes numerous calls to place of employment under various untraceable ids.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
Please note on XX/XX/2019 PMAB LLC received my first request to validate and verify accounts which they have reflected on my credit. They responded on XX/XX/2019 with just an itemization which was not what I requested. I sent a second notice on XX/XX/2019 requesting validation/ original contract with my signature. The same response as the first request was sent dating XX/XX/2019. Again this is all itemization with no validation that this debt belong to me as there are no signed or original documents. 

I am requesting since PMAB LLC has not been able to verify/validate any of the debts they are reporting to me for almost 60 days that they Stop reporting immediately to the credit bureaus as this is having a negative impact on my score. 

I am also copying the credit bureaus on this and requesting they immediately remove these accounts from my report as it is clear there are no validation documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
I received a letter from Healthcare Recovery Group ( HRRG ) dated XX/XX/2019 stating that they're collecting the debt of a balance of {$1100.00} owed. Now, I didn't receive the letter until XX/XX/2019 so after reading the letter I immediately wrote a debt dispute letter. I mailed the debt dispute letter certified XX/XX/2019 and they picked it up XX/XX/2019 and part of the letter I wrote I goes like this " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. '' From them receiving my letter on XX/XX/2019 on up until XX/XX/2019 I am still receiving phone calls everyday multiple times a day and yet still no validation. From my understanding, by law they're supposed to stop all debt collecting activities once a dispute is in place until it's validated or it will be considered harassment.

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 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: BCB Investments LLC
State: IL

Complaint narrative:
Alliance collection responded to my previous complaint saying that I disputed through an XXXX system. I have never disputed through an XXXX system and have no idea what an XXXX system is. I have called them because I received an email from the company saying to pay a balance owed which I dont owe them. I have also sent in dispute letters and they still havent removed it from my report. This company has never sent anything by mail to me explaining the debt and what it was for and my options to dispute if I find it invalid. They have wrongly entered it into my report without any explanation only an email about paying the balance and thats the reason I called in. I also told this company not to call me and that I was going to contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2018, I send a letter and supporting documentation to Equifax requesting them to remove or clear my record of any negative debts, since the creditor XXXX XXXX and its affiliate XXXX XXXX XXXX XXXX cleared up any wrong doing or confusions with my account with them. 

XXXX XXXX 's letter states that they also sent their letter to each Nationwide Consumer Reporting Company : Equifax, XXXX, XXXX, and XXXX ( not sure who this agency is but it was in their letter ), clearing me since my account have been satified and changed. 

With the exception of Equifax, each of the other reporting companies cleared my credit report. It's important to point out that Equifax cleared my husband and we on the same account. I am perplex why haven't they cleared me. I hired a XXXX XXXX to help me with Equifax. They too haven't been able to get anywhere with Equifax. You are probably my last hope. Please help me to have Equifax to stop ignoring me and the creditor. I am requesting them to clear my record with a positive report. This issue is frustrating! 

Thank you kindly!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
This company makes repeated calls to my cellphone and my work phone daily. They're very often less than an hour apart and consistently break the 3 times a day rule. While, yes, I realize I am behind, this is straight harassment and needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Deposited a personal check ( issuing bank XXXX ) for {$1600.00} from selling my vehicle on XX/XX/XXXX in my Bank of America Checking Account. Deposited check in branch ATM and AFTER transaction, I was informed that there would be a deposit hold until XX/XX/XXXX - called Bank of America immediately and asked if this was correct and if I can have my check back because I can not have my funds held that long. I am very upset because proper notice was not given to me that my funds would be held hostage for over 2 weeks. 

They told me I can not have my check back and I was informed that zero availability of the check would be available and had to wait. I asked to retrieve my check from branch staff on the next business day so I could deposit it into my XXXX account and was told that it can not be done. I explained my hardship that I need this money and can not wait until the XXXX and they refused to help me. I called 4x since the XXXX and was told different information about the exact date my funds would be available and then the final call was told that they will absolutely not release the funds any sooner than XX/XX/XXXX. I am so distraught and suffering that I am being treated this way. BOA is holding my money XXXX, school is about the start for my XXXX kids and I need my money released.

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 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/2019 I submitted a complaint against wells fargo bank for removal of my PMI. I started the BPO process on XX/XX/2019. I requested my PMI be removed and reimbursed with interest for the amounts I paid from XX/XX/2019 through XX/XX/2019. As of XX/XX/XXXX, the PMI has been removed from my mortgage payment and I was reimbursed for 4 months of payments. However, I was not reimbursed for the full 5 months. I believe I am still owed an additional month of PMI premium reimbursement and I should be reimbursed with interest because the delays encountered were not my fault and it should have been resolved in a more timely and efficient manner.

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