vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: First Data Corporation
State: KS

Complaint narrative:
I called to inquire how to be able to add money to my account. The person on the phone was confusing and hard to understand so they said they would send me a packet of information. I had to verify my identity through an automated system. When I received the packet of information, it stated that my account had been placed on hold and the upgrade was pending. I had to send in information to verify my identity. I tried to call the company to find out what happened. They stated that some information didn't match through the system when I was verifying my identity. Turns out, it was my email address because I have two different ones and wasn't sure which one I use. They said the only way to unlock my account is to fax in my driver 's license and social security card. I sent the information on XX/XX/18. I called a few days later and was told they were unable to read my driver 's licence because the copy was too dark. They told me I needed to email my driver 's licence and social security card. I am only XXXX  and didn't really think anything of it. When I asked my mom to help me send the information she said we are not sending my social security card to them via email, it is not secure and now even with us faxing it I am worried about my identity and information being stolen. My mom called them and finally someone said they would accept a paystub and my driver 's licence instead. I emailed that on Friday XX/XX/18 and the lady said it would take about an hour. We called back the following Monday because I still don't have access to my money. I keep being told something different, someone told me 5-10 business days, someone said an hour, someone said 3-5 business days, and another person said 2-3 business days. Called back today, Wednesday XX/XX/18 and was told it should have been unlocked but unfortunately it hasn't been for some reason, but the " back office '' that handles that is closed now so I will have to call back tomorrow morning. I am in school and this has been very frustrating because I can not call while I am in school. They will not talk to my mother, even though I am a minor, unless I am on the phone every time and give permission for them to talk to her. I feel taken advantage of because I am young and this is my first time dealing with a financial institution and very frustrated that even though I am a minor they won't allow my own parent to help me resolve this 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 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I signed up for a trial subscription with XXXX ( experian ) in XX/XX/XXXX. It was {$1.00} for the first seven days and then {$32.00} monthly after that. I have tried to cancel it several times unsuccesfully. When you try online they tell you you need to call. When you call they tell you the wait will be at least an hour and you will probably get cut off during that hour. I have now paid in over {$150.00} for a service that I don't use.

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 2018-04-25 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: NJ

Complaint narrative:
I submitted 2 different disputes to experian about an account that is not valid. The entry is XXXX-XXXX XXXX XXXX for {$490.00}. I asked them to verify the validity of this debt because XXXX would not provide me with details of this debt. Ie : When, where, and the details. This is not mine and experian would not provide me with anything to prove its mine. I already had this debt deleted from the other 2 major credit bureaus XXXX  and XXXX. Both of the other 2 bureaus  could not validate the debt and removed it from my reports. Since I couldnt get XXXX to send me proof I asked Experian and they responded that it was not their responsibility to do that and I asked them how they verified this debt as mine they responded that XXXX told them it was mine! That is not proof nor is it validated and if the other 2 bureaus could not verify its validity then how is Experian able to? And if they have validated and proved it is mine then why wont they share that information with me? I want this item removed from my report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
THIS ACCOUNT WAS TRANFERRED FROM XXXX XXXX TO THE POPULAR BANK WITH ERRORS OF LOSSES THAT DO NOT BELONG TO THAT ACCOUNT. THE POPULAR BANK CAN NOT REPORT THAT NEGATIVE INFORMATION IN MY CREDIT REPORT BECAUSE I HAVE NEVER PAID WITH XXXX  TO THE POPULAR BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: AMCOL Systems, Inc.
State: CO

Complaint narrative:
A collection company Amcol contacted me about a debt I wasn't aware I had. After they contacted me, I paid the debt within 30 days but it was still put on my credit which is should not have been. The debt is listed as paid on my report but with my paying the debt within 30 days of them notifying me, it should not be on my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
Im a co-signer on a loan with AES and tried to get co-signers relief and was told that 48 months of on time payments had to be made. WTH? 4 years of on time payments when most companies on require 12 months. The customer service reps are rude and they only look to ruining your credit. I cant afford to pay for someone loan due to having to pay for my own along with my other bills. This person now has a job and has been had a husband. Im divorced with XXXX kids I have to take care of of and its a hardship on my to continue to be a co-signer. My credit is being ruined that I worked so hard to maintain by someone else and its totally not fair. I personally think I have been added to some other loans this person has with them that I dont have any affiliation with. I want them to send me the contract that I signed to be a co-signer because personally, I dont recall signing one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 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: Riverwalk Financial Corporation
State: GA

Complaint narrative:
The original creditor ( XXXX XXXX ) had already charged off this debt and removed from my credit report. I received an updated copy of my credit report and found a collection agency named XXXX XXXX XXXX on it, stating that I owed {$10000.00} for a car that was repossessed over 4 years ago. I contacted XXXX and they have no record of my account. I then contacted XXXX and they referred me to another company named XXXX XXXX XXXX. When I spoke someone at XXXX, which said that they are managing the account for XXXX. I explained to them that this debt was charged off years and should not be on my credit report. They stated that they bought the debt and was trying to collect on it. I then stated, how can they buy something that was charged off and try to collect on it years later. I never received any correspondence or phone calls from either company XXXX or XXXX concerning this debt, it just showed up on my credit report. I explained to the representative that I do not have {$10000.00} or half of that. I was told that legal actions will be taken if I do not settle this debt. Something truly needs to done about XXXX buying and trying collect on old debts that the original company had already charged off and removed from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I have been disproportionately have been affected as a person of XXXX by the lending practices of XXXX  XXXX XXXX XXXX XXXX XXXX through receiving higher than and to a greater degree interest mark up comparatively to my XXXX  counterparts in getting the title loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
My loans were recently transferred to XXXX XXXX, and they can not give me accurate billing. When I call and speak to their customer rep, they state a different amount due than the website " Amount Due ''  states. What's more, the PDF billing statement for this cycle said there is no amount due, contrary to both what the customer rep and website screenshot said. The company can not give me accurate, reliable info about the amount due. 

Also, I registered for auto-pay and the customer rep claims I did so successfully, but the website continues to state " no payment scheduled. '' I have paid my loans on time for several years with other lends. It truly feels as though XXXX XXXX is intentionally trying to induce me to default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2017 my loan was over 5 years old and my balance was under the 20 % of property value. I requested to have my mortgage insurance removed, at which time Wells Fargo stated that I need to refinance at a higher rate to remove the insurance. 

Loan number : XXXX Mortgage insurance amount is {$360.00}. 

I would like to have Wells Fargo removed mortgage insurance, and keep my current loan rate. 

I would like to have them fined maximum rate per day until resolved. 

Thank for your time in this matter. 

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 explanation
Consumer complaint received 2018-04-25 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: TX

Complaint narrative:
I have sent out numerous certified letters to the credit bureaus to remove these accounts which were purchased by a collection agency I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first they have committed identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
My credit was ran without permission nor was I told. These are unauthorized and I have been fighting with them and credit companies, XXXX is the only one that removed information. I have been fighting this since last summer 2017 and also the cable company ran my credit and was told that it would be a soft hit and that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Hello my name is XXXX XXXX. I have a problem with my loan company. They are reporting that my account is 60 days pass due and it not accurate. I spoke with them on the phone and the rep told me that the system will automatically do 60 days when it had only been 30 or more days but never 60 days. Leagally how can they put me at being 60 days when it hasnt been. Speaking to them is very confusing and it hurts me to talk to them. I dont understand. They are very tricky with there system and its a way to keep the customers in bad ratings with there system. They can look me up by my socia! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: TX

Complaint narrative:
I have sent out numerous certified letters to the credit bureaus to remove these accounts which were purchased by a collection agency I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first they have committed identity theft

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 2018-04-25 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: TX

Complaint narrative:
I have sent out numerous certified letters to the credit bureaus to remove these accounts which were purchased by a collection agency I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first they have committed identity theft

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 2018-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I as a single XXXX female and mother of XXXX was scammed by the process of purchasing a home in XX/XX/XXXX. I got the home inspected and the home inspection passed, however recently found out there was a home inspection prior to mine that failed the inspection on the same house. Now founding out the house was overly assessed and valued, with major concerns of XXXX mold that is causing me and daughters XXXX issues like no other. Major Electrical issues that are fire concerns and foundation issues. I want some to be accountable to this scam. The prior inspect fell and did not pass. 


purchase home XX/XX/XXXX home inspected property in XX/XX/XXXX was determined to have XXXX mold and major safety electrical issues in the home Home stated that heat worked and was not working Safety Issues Foundations issues Major plumbing issues Lack of disclosure from the sell, broker, home inspector Scammed me in purchasing a home that is cause me and daughter to get very sick Lack of Disclosure concerns that is causing me and daughter get sickness XXXX mold

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 2018-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I made a payment to pay off our second mortgage company said no payment was made. I have a receipt for payment from them. 
they took me to court when i produced the statement they dropped the case but did not release the mortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: CA

Complaint narrative:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXX and on XX/XX/XXXX are still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. 

Very Respectfully, 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 explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was refunded {$3000.00} for a canceled cruise. The credit hit my account on XX/XX/XXXX. The money was available to use for point of sale purchases. On XX/XX/XXXX I put a request in to transfer the money to my checkig account. I was advised that it would be complete within 3-5 business days. I called back on XX/XX/XXXX to check the status and was advised that it is still under review. The rep stated the funds were still under review to make sure the refund was valid and could be processed. My account balance states XXXX. I have been using the funds to conduct point of sale transactions which they make money off of but it is frozen for me to send to my bank account. I asked if I could do a cash advance at my bank to obtain the funds and they said I can but it will be a {$75.00} fee. They want to charge me to get my own money? I spoke to an account manager XXXX who refused to waive the fee or put me in contact with her manager. I want my money released and then I am closing this credit card out. Horrible non existent customer service.

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 2018-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: NC

Complaint narrative:
ON XX/XX/XXXX my car was totaled in an accident. I have recently reached the conclusion with the insurance company and they have informed me that they have mailed a check to the loan service company XXXX XXXX XXXX. 

Well called this morning after attempting to access my account online to view the account for payments received ( I wanted to know if they have processed the payment sent by the insurance company, {$11000.00} ). The account this morning said I owed {$800.00} + dollars this would include the may payment and the XXXX I usually pay every two weeks. 

I then attempt to login again this evening I still am not allowed to log into the account online. I then try to make a onetime payment through XXXX XXXX of the remaining {$260.00} and was blocked. I then call the company select the choice to speak to a representative to determine what is going on with my account only to get a response that says, " It says that you all are unable to accept my call at this time? '' Their website clearly says that the call center is open until XXXX XXXX   EST, I called them at XXXX XXXX. 

I am just trying to make the next payment of {$260.00} that I pay every 2 weeks and to make sure they have received the check from the insurance company of {$11000.00}. The payment is not 30 days late until XX/XX/XXXX and I would like to pay what is remaining {$260.00}. 

PLEASE ASSIST ME IN CONTACTING XXXX XXXX XXXX, As I feel they will attempt to destroy my credit over some bogus charges that I can not even pay.

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