vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Equifax, XXXX XXXX, XXXX not reporting things right. First off XXXX company is by far the dumbest! Why did you take off XXXX credit card. Never asked you to do that! XXXX card was not fraud or open fraud or part of identity theft! Your company needs to pay attention big time. You leave the identity theft fraud on my report and take off XXXX you not to do. Your company by far the worst company I ever have to deal with! This is why I just got a lawyer and suiting big time. You still have 5 accounts from identity theft. 2 accounts from XXXX XXXX XXXX XXXX XXXX one account XXXX the other XXXX accounts on here after submitting a document from that company. They they dont have an account from me! Then after 4 times tell your company about identity theft to take off XXXX XXXX XXXX XXXX, XXXX XXXX credit card XXXX, XXXX XXXX, XXXX. Name is not right you still have it wrong its not XXXX XXXX or XXXX XXXX XXXX its XXXX XXXX XXXX XXXX. I am a XXXX! Please get it right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I work for the State of Texas. We are not allowed to use our equipment, including phones for personal use. I have repeated told the personnel of One Main Financial in XXXX, Texas that these calls are not allowed and that they are jeopardizing my employment. I need them to stop calling my place of work. I am behind a few days. I have communicated with them by phone and email on my personal equipment. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been with American Express credit card for at least 10 years in all this time I've made my payments on time except for this past few months since I lost my job and was late 3 times, 2 of which was 1 day late. They now charged me a {$27.00} late fee and raised my mininum due payment from {$35.00} to {$62.00}. They told me they would put me on a payment plan of {$16.00} a month but close my account which is already closed since it was issued through XXXX & I no longer wanted to pay the {$50.00} annual fee. But this would harm my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been writing letters and I haven't gotten any resolve. I have sent XXXX validation letters on these dates ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not gotten any paper work that states I owe them anything. The original bill was from Capital One, and all they sent me was a copy of a bill. I have asked them for a signed contract and they have yet to furnish me with anything. The amount that they say I owe is {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX-Current, Seller XXXX XXXX XXXX XXXX trustee for computer learning centers, states that a dispute from Portfolio Recovery Associates, XXXX ( " XXXX XXXX '' ) that I owe a balance of XXXX from XXXX, I paid XXXX dollars to settle this account in or around the years of XXXX to current. They submitted documentation to me regarding an educational loan back in XXXX, where I am the buyer of an educational course from computer learning center of XXXX, which was located at XXXX XXXX XXXX XXXX, XXXX, il XXXX. I would like to know how I am still responsible for this and why their is a lean on property against my name for this account till this current date and I was able to purchase as a buyer an educational course but not an apartment or an house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Attempted to contact debt collector on several occasions to have closed account removed from credit due to possible fraud alert. I spoke with several reps who were not able to locate account to assist with possibly removing closed account from my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I graduated from XXXX  XXXX University in XXXX. Upon graduation my parents XXXX XXXX XXXX filed for chapter XXXX bankruptcy. During the XXXX years they were going through this process my loans were in forbearance and accumulating interest. I did not know this at the time until I was in the process of purchasing a home. Numerous loan companies would not work with me until I gave them information about my private student loans. I would try to call Navient and they would tell me that they can not speak with me about the loan that is included in the bankruptcy until it is complete. I have found out that during this time my loans accumulated over {$30000.00} of interest. The companies involved were the following : Navient and XXXX XXXX State Authority. When I would log on to XXXX the website would not show any balance at all. At the time I assumed the loans were sold off and I would begin paying to a different company. 

During this process I continued paying on my federal loans and I would have done the same with my private loans if I was able to. I am not sure what to do but now I have over {$120000.00} in student loan debt and I am struggling to make the minimum payments. Can something be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wallet and debit card was stolen a couple weeks ago. I just got a letter in the mail from chase from XX/XX/18 stating they are closing both my checking and savings accounts. 

It says there was a fraudulent check deposited on my account. But i never deposited anything onto my account. Also all my money is missing from my account. 

As if sleeping in my car wasn't hard enough already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
Attempt to contact collector several time within months of XXXX until XXXX to have closed account due to fraud remove from my credit but I was told can't find account. called and spoke with someone diffferent and was told in XXXX it will be removed by XXXX however account has not been removed and unable to speak with anyone to confirm why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: TX

Complaint narrative:
I have dispute a debt with Experian and a collection agency that remains on my credit report. XXXX continues to say that the debt has been validated but I have never seen any documentation. I disputed the debt directly with the agency and they were never able to validate with me directly that this debt belongs to me. I filed a complaint against the agency with CFPB and they advised me that their client was not able to validate and that there was a name discrepancy and that the account would be deleted from my credit. As of today this has yet to happen. If the agency advised me that there is a name discrepancy, how is Experian saying the debt is validated? I uploaded the agencies response to my complaint to Experian that clearly says the account will be deleted and Experian still came back and denied my request saying the debt is validated.

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 2018-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I have been working with XXXX XXXX XXXX for a year now. I am trying to apply for the XXXX ( XXXX XXXX XXXX XXXX ). I have been denied for numerous reasons at least XXXX  times in the past year. The reasons I have been denied have been untruthful in my opinion. I have been denied because they have said that certain boxes have not been checked or there were missing signatures - all of which are false because I have the copies of the documents that were either mailed or uploaded. I have called and talked to numerous people about the next steps to take. All of the answers are different and varying. I waited on hold for a manager for over an hour a few months ago to try to finally get some clear direction. I qualify for the XXXX. I have been a XXXX for over XXXX years in qualifying schools. I feel they are trying everything they can to just frustrate me and string me along with these " fake '' problems with my paperwork to just get me to a point where I give up. I have given up a couple times only to come back a couple months later to reapply, submitting sometimes the exact same paperwork as before. In doing this they find a slew of different things that are wrong with it and why I do not qualify for the forgiveness. The paperwork I submit is only good for a certain amount of time. By the time I resubmit the paperwork where they have found an issue that isn't really there - it has been expired and I need to get it filled out again by my HR department at my current XXXX  and the other XXXX XXXX  I worked for before. This takes time and of course it's difficult to get paperwork from a XXXX that you no longer work for - especially XXXX times. I currently have about XXXX different reasons of why I have been denied in my inbox with XXXX XXXX XXXX. All of which are not valid. I have never once been late in XXXX years paying my student loan payment so there are no issues with that. They are also trying to say that the current XXXX  I am employed with does not qualify under this program because my paycheck is signed by my corporate company - however, I actually work and perform my duties in a XXXX XXXX XXXX and am in fact paid strictly out of XXXX XXXX funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX of this year, I opened a CitiBank Account Package ( checking and savings account ) under a promotion offering {$400.00} when {$15000.00} new money was deposited in combination into the savings and checking account and the balance was maintained for XXXX calendar days. I deposited {$15000.00} in combination into both accounts on XX/XX/18 and maintained the balance into XXXX. Citi Personal Bankers have confirmed for me over the phone that I have met the requirements of the promotion as of XX/XX/18 ; however, I still have not received the bonus. XXXX days have now passed since I met the requirements. When I spoke to Citi Personal Bankers, on multiple occasions they have told me that the terms state the bonus will be paid ON the XXXX day following meeting the requirements ; however, I shared that the disclosure on the webpage for the offer states " ... you can earn a {$400.00} 'Cash Bonus ' which will be credited to your new Eligible Checking Account WITHIN XXXX ( XXXX ) calendar days from the date you complete all offer requirements. '' The Citi Personal Bankers acknowledged this disclosure ; however, they stated they never see the bonus deposited prior to XXXX   days. 

Since the disclosure states the bonus " will be paid WITHIN XXXX days '', and not " AT XXXX days '', I'd like to file a UDAAP complaint since I was expecting the bonus sooner than day XXXX. At the current moment, I must maintain the account open in its current status with the funds unable to be withdrawn or otherwise risk getting monthly maintenance fees withdrawn for going below the balance threshold, since if I close the account, change it to a different account that has a lower balance threshold, etc. will mean I will not receive the bonus since Citi states the account must be in original form at time of paying the bonus.

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 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
my acct ending in XXXX was supposed to be cr on XX/XX/XXXX, still no credit. When to the merchant and they show they show they credit the acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Winona Holdings, Inc.
State: OH

Complaint narrative:
They have repeatedly called and texted me all stating that there is activity on my checking account and I need to call to get it taken care of. They stated in a complaint I filed to the Ohio Attorney General that they have sent me a letter regarding this but I have never received " said '' letter. I have complained that they are not identifying themselves as a debt collector which is federal law but it seems to be falling on deaf ears. I have at least XXXX voicemails as proof they have never once identified themselves as a debt collector they have just identified themselves as XXXX  XXXX or XXXX. One voicemail even includes my wifes ' name in it, which has never been done before. The most recent voicemail states that due to my failure to respond I need to call or have my attorney call before the end of business hours. I refuse to pay anything to anyone who is not identifying themselves as a debt collector. For the record, all of the time stamps on the multiple voicemails because I just found more have all been while I was at work and I am not allowed to have my phone on me or answer my phone unless I am at lunch which is after their business hours. I have tried looking them up to verify information they are giving me but they have no physical website. They are also not telling me the amount that is owed.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On the dates of XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 and XX/XX/2018 I disputed incorrect names, addresses, phone numbers, SSN 's  and inquiries from my credit reports. XXXX, and XXXX removed the incorrect items with no problems because I sent my SSN card, my Driver 's License and a fax requesting that the information be updated and or removed because I did not live at those addresses, my SSN was not correct and the names listed on my reports were incorrect. Experian has failed to complete my requests even after showing proof. I am beyond tired of this company. I have followed all the steps I know to follow, by making calls, uploading documentation, faxing the information etc. and still nothing has been 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 non-monetary relief
Consumer complaint received 2018-08-21 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 have been trying to make accout on Experian.com for a while now and it always says information doesn't match and asking me to write them a letter. I am never able to login on Experian.com to my account because my information doesn't match with their side. I didn't bother with this much until I recently came across with a new problem. 

I am studying to be a XXXX XXXX and recently I am trying to signup for IRS services and in order to gain access to IRS services they verify identity by using Experian credit reporting services. Again the INFORMATION I AM PROVIDING NOT MATCHING WITH EXPERIAN. I wrote Experian a letter about this and included photo copy of my Driver license and Social security card. Upto now they still not able to find and correct what's wrong and there negligence is affecting me financilly since I am not able to persue with my carrier and will not have access to file tax returns with IRS in the upcoming season if EXPERIAN don't fix this soon. IRS want me to talk to Experian about this and Experian is not taking this seriously. They must find out what is wrong on my credit report and why it's not matching. Please help. 

Please note : IRS doesn't have any other alternative, I must go through this security process and Experian in not coaperating and not taking steps in reasonable manner to correct this. 

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 explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to the companys ATM and withdraws some money and the ATM forwarded me {$300.00} that I didnt have and I did not have overdraft.I paid them and they will not remove me from the Early Warning list.After a long dispute with them.

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 2018-08-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NC

Complaint narrative:
My card was used at a grocery store for XXXX dollars and then I filed a dispute and was told I could have provisional money in 10 bisness days sent the email to them but the lady gave me the wrong email address since she couldn't half speak English. So now they are telling me I have to wait the full 20 business days to get the money back and I need my money now but it's ok I will be homeless before then because they will not give me my money that is owed to us.

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 2018-08-21 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: MI

Complaint narrative:
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Transunion XXXX  XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.

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 2018-08-21 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: WI

Complaint narrative:
Trans Union credit report displays either a duplication of a hard inquiry or it belongs to someone else. Trans Union refuses to investigate. This information is incorrect and they should not be reporting it as such. Neither XXXX  or XXXX display the duplication of hard inquiry. Also, there is a hard inquiry to quicken loans that is not mine. 

Also, I was unable to print my credit report and tried to go back ( same day within minutes ) but annual credit report stated I had already claimed my free annual report.

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