vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
XXXX , XXXX XXXX XXXX , XXXX . Of XXXX XXXX, Oklahoma sent a process server to my home without any previous contact stating they have sued me for a debt collection from the past. I was sure I had paid this debt in the past but apparently not. This took place on XX/XX/2018. Since then I had made payment arrangements with them to pay {$50.00} a month towards a debt totaling {$1100.00}. I have made 7 payments to them so far. I checked my credit and it showed I had been making payments and it was down to {$810.00}. The last payment I made was on XX/XX/2018. A week later I received another notice in the mail stating I had not been making any payments and my balance was {$1100.00} and I needed to make payments or I would be garnished or sued again. I emailed them and told them I had made 7 payments and that my debt was down to {$810.00}. They also hit my credit report for being in collections and not paying which hurt my credit score badly. I have documented proof of my payments and dates and the original debt amount etc. they havent responded to my email in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I booked a trip through my Amex Platinum card on their website XXXX, beginning on XX/XX/XXXX for 7 days. The trip included a hotel and airfare as a package. The portion of the trip that is affiliated with the complaint is XXXX, the hotel portion of the trip. The hotel is extended stay in XXXX  XXXX. 

Due to circumstances ( father is on lXXXX XXXX, XXXX from XXXX XXXX ), I didn't make to the hotel until the morning of the XX/XX/XXXX. They told me that my stay was cancelled and I can't get a refund. I had to stay so somewhere so I booked another stay at the same location. 

I called AMEX to get a refund, but they said the contract states the hotel can cancel and keep your money if you don't check in by XXXX. They called numerous times to work something out with the hotel, but they eventually stopped answering the phone because they knew Amex was calling on my behalf. 

Now, this policy WAS NOT forwarded to me. The two Amex representatives I spoke with said the reason why I didn't get the cancellation policy in my email was because I BOUGHT IT AS A PACKAGE. And that had I bought it separately, I would have received the information regarding that cancellation. How is this fair? 

Amex and extended stay both aren't doing anything. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BTH Management
State: CA

Complaint narrative:
Debt formerly held by XXXX, sold to XXXX XXXX, then resold to XXXX XXXX for a former debt holder XXXX? 

A debt has been removed from my report, has now been resold and re-posted. A violation on of the Dobb Frank act if I am not mistaken.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: STATE FARM BANK, FSB
State: NV

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account STATE FARM BANK Date opened XX/XX/2016 which has been deleted by XXXX and XXXX   XXXX and XXXX have both completed their research and determined that STATE FARM BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: NV

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
My understanding of the credit card act in 2010 is that any payment made above the minimum should be allocated to the highest interest rate on the account. Ive been told by employees that they can allocate my payment however they want. I was also told they allocate my payment to the lower interest rate first. 

My balance is divided into 2 portions, one is purchases being charged at 21-25 %. The other is a balance transfer being charged at 0 %. So in this situation my minimum payment was {$130.00}. I paid over {$2000.00} this was to not only cover the minimum But to cover some purchases. However I was still charged interest and given not only conflicting information but information that is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
XX/XX/XXXX School Year : federal loans consolidated with terms agreed to on master promissory note were a 120month repayment starting upon matriculation from my institution, XXXX. 

Date unknown : I received notification that Salie Mae was spinning off & my loan would be serviced by Navient XX/XX/XXXX : contacted Navient to inquire, what remained on my loan & was told that I was in a 240month repayment plan. I then sent a letter to Navient & requested a copy of my original promissory note. When Navient replied via mail, they sent only a signature page & showed no repayment period terms. 

As my time allowed I thrive placed calls to Navient, who generally kept me on the line 40min-2hrs as the respondent investigated & /or waited for  a supervisor to become available. I was then told a promissory note would be sent. No further information was received in the mail XX/XX/XXXX : On phone with Navient Employee XXXX ID XXXX for 41min. He stated the mastery promissory note on file was cut off and no loan repayment period was shown. I was again put on hold to wait for a supervisor. XXXX XXXX. He again has said paperwork will come in 7-10 days. 


I maintain that without my consent, my loan repayment was altered from a standard 10 year 140months to a 240month term.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I received a message of a voicemail from XXXX XXXX  that was left on the former City Manager 's voicemail. I bought his home when he relocated to another city. I'm XXXX, he's XXXX. There is nothing to tie us except the fact that he was the previous owner of the house my wife and I purchased. What gives XXXX XXXX  the right to exploit my personal information to someone like that? It was a XXXX XXXX clothing account!! The lady from XXXX   XXXX who stated she was the collector for XXXX XXXX XXXX even made threats that this man and wife heard also. I do have the number and extension this voicemail came from. This was very disturbing to the previous homeowner who wondered how she even got His number and then tied it to the fact that I bought this house from him. She is liable for giving out my personal information. If the previous owner had never sent the voicemail to me I never would have even known about this. He is a white man who lives almost 3 hours away and is a City Manager in another city. I'm aiming to sue this company for defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Lost of debit card went to a fraud transaction from {$2400.00} from my checking account, several calls and visits to different branches where done over the last few weeks, no result or any help at all

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 2018-12-28 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: CA

Complaint narrative:
In XX/XX/2016 I recieved an unlawful detainer it was for a no money judgement it was only for posession of the property. That being said the property was recieved on XX/XX/2016. This matter is still showing up on my credit report even though there is no debt amount i have exausted all measures to try and dispute it with the credit beauro and the credit reporting agency i have also reached out for legal help and no one is able to resolve this issue. The legal aid i did reach out to does not understand why it is showing up on my credit report at all seeing as there is no debt amount. This matter is preventing me from getting housing and i am currently homless

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I am trying to get a refund of a Moneygram money order that was partially cashed at my bank. This is a process that I started XX/XX/18, and still not have resolved. I only received a credit for {$60.00} from a {$990.00} money order when I originally deposited this money order at my bank account with XXXX XXXX XXXX. Since I no longer have an account with XXXX XXXX XXXX, they can not credit me the remaining {$930.00} left on the money order. They say that Moneygram needs to make me whole by issuing me a refund for the remaining balance. I agree with this. 

I have made numerous calls to Moneygram customer service through XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also been in contact with their corporate office. On XX/XX/18, a person named XXXX from corporate told me I should expect a refund from XXXX  XXXX XXXX. I have made 4 followup calls with XXXX and left messages, and I never once got a callback. XXXX XXXX XXXX tells me they never heard from Moneygram and don't know about a refund. Moneygram has also sent me 3 letters telling me I need to go my bank branch, and have a banker call Moneygram to confirm that XXXX  XXXX XXXX did not issue me that credit. I did that twice and wasted an hour of my time and the bankers time each time. Nothing has come of it except that Moneygram says I need to do it again. On XX/XX/18, the banker even sent an email, as requested, verifying everything Moneygram asked. Followup calls to Moneygram determined that Moneygram could find no record of that email. I have a copy of that email if necessary. 

All I want is for Moneygram to refund the balance of the money order that was never credited to me. I have jumped through all their hoops, and wasted so much of my time, and still I have nothing. They have my money and will not give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX Removed the posting as a result of my efforts in XX/XX/2018. ( CFPB claim XXXX. ) Diversified Consultants the assumed collection rights for debt as directed by XXXX XXXX. Diversified reposted the debt to all agencies with no validation efforts after XXXX willingly removed the posting This would be reselling of debt to another 3rd party debt collector. A violation of the Dobb Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened an checking account in XX/XX/XXXX with Wells Fargo there was a bonus for new customers of {$100.00} after you met a few requirements which were met within days of opening the account ( have so many deposits of XXXX amount and make XXXX amount of debits with your card ). I was supposed to receive the {$100.00} after 40 days of meeting the requirements. It is XX/XX/XXXX today and I still haven't received anything. I called in XX/XX/XXXX they told me it would be between XX/XX/XXXX and XX/XX/XXXX I called them again on the XX/XX/XXXX they said if I didn't receive it by the XX/XX/XXXX to call back. I called back on XX/XX/XXXX and they never returned my call.

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 2018-12-28 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: CA

Complaint narrative:
Please again remove or correct this information at the earliest possible time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Navient began giving deferments & forbearance 's for my loan, .... and suddenly I rec'v a bill for the total, ... PLUS interest, penalties - with my orig. loan being {$30000.00}, and the bill ( due immed. ) of {$53000.00}. 
A company called " XXXX XXXX XXXX '' is calling now, .... telling me my loan can be INSTANTLY forgiven! When I asked for information about the company- they just hang-up. 
Their number is : XXXX, ... ... which a search provides no information - except that it is suspected as a scam! 

I've heard that Navient is scamming people, ... & suffering from lawsuits thereafter, so I want my debt cancelled - in full! 
I'm not going to pay - just to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: NJ

Complaint narrative:
Dear Sir/ Madam, Please be advised that I contacted Transunion and I asked them to show a solid document or signature to prove that the XXXX XXXX performance Debit belongs to me, they were unable to show any solid documents, nor were they able to prove their method of verification or even mention their way of verification. 
As you may know I disputed the validity of the alleged debit posted on my credit report with that frivolous called XXXX XXXX XXXX, they were unable to validate their alleged issue. 
I contacted you on XX/XX/2018 as it shows on this portal complaining about Transunion and their EXTREME time taking to investigate, and until this moment they were unable to DELETE this issue. 
Please find the attached Documents on this letter showing the Transunion reply to me Dated XX/XX/2018, and My respond to Transunion dated today Friday XX/XX/2018. 
I urge CFPB to do an investigation Thoroughly towards this matter. Copies of this complaints and letters will be sent to the New Jersey State Attorney General and the FTC and to my Attorney.

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 2018-12-28 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: GA

Complaint narrative:
I have continually been employed in Public Service since my student loans entered into the repayment phase and this has been accepted by my lender. I was told by my lender that my first three years of FULL loan repayments would be counted retroactively towards my Public Service Loan Forgiveness program once I was accepted to the PSLF program. Now I am being told that because I wasn't first registered in a preferred repayment plan such as the Income Driven Repayment Plan, these three years of on-time and FULL payments will not count as qualifying payments. I've been told that I've lost out on approximately 36 payments I've already made of my required 120 overall payments for PSLF. I paid the full amount monthly for three years which is greater than those monthly amounts required by plans such as the Income Driven Repayment Plan. This makes absolutely no sense and is a substantial time delay in my repayment process. Information given to me as I signed up for PSLF was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a call from Wells Fargo Student Loan Center stating i have a payment due and I told them that I never signed up with them. I asked how did they get my information and if anyone sold my loan to them and now they refuse to give me any information. They are stating that i have to give them all my personal information for them to research. I advised them that since i never signed up with them, they need to tell me how did they get my loan and who sold to them. They are refusing and threatening to credit report as my loan is now past due. I contacted the XXXX XXXX XXXX XXXX XXXX and don't see anywhere that Wells Fargo was my loan servicer. I feel something has been defrauded either my loan got sold without my knowledge or Wells Fargo got a hold of my information and abusing it.

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 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Both I and my spouse attempted to place a credit freeze with Experian. In both instances, we were denied to do this online. We had no issue with XXXX  or XXXX. 

The reason to do this as soon as possible is because I was contacted by a credit card issuer to confirm if I had requested a credit card from them which I did not. 

Thank you 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 2018-12-28 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: CA

Complaint narrative:
Please again remove or correct this information at the earliest possible time

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 2018-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
- I opened a Citi checking and saving account in response to a promotion.

- I learned that the accounts were not right for me ( poor service, long call center hold times, high fees, and non-competitive interest rates ).

- On XX/XX/18, my account balance was {$0.00}. I spoke to an agent at XXXX central time ( extension ID XXXX ) and requested my accounts be closed.

- The agent would not provide any form of a confirmation number.

- I received a letter dated XX/XX/18 from Citi indicating I am in collections for an account that should have been closed on XX/XX/18.

- After receiving the letter, I contacted Citi again requesting my account be closed and the agent said they would take care of it.

- Today ( XX/XX/XXXX ) I have started receiving collections calls.

When speaking with to the collections department and customer service, they were unable to offer any resolution.

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