vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As I tried to pay for this card, the app was disable and was never able to get someone in customer service to elp.

I tried to call and was always on the phone for more than 20 minutes just to try to get a hold of anyone to explain that they had cancel the card and at the same time they deactivated the app so i just couldn't do any payments. 
this was going on for more than 3 months of me trying to get a hold of someone to activate the app so i could pay the card ; witch i was never able to. 
Finally i got someone on the phone to solve the problem and I was able to pay and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a consumer that is privy to the federal guidelines that agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the bureaus to send me 'validated proof ' that some debts I'm questioning are mine. After two request, I have neither received the proper validation or deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers to validate my requests. How this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.

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 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was recently assessed a fee by Wells Fargo that was invalid. I was assessed a fee on XX/XX/XXXX for transferring money to my savings account out of my checking on XX/XX/XXXX. The fee is invalid for 2 reasons 1. if my account were to have gone negative on this day Wells Fargo would not have let me transfer the funds because my account has always been set to pull from my savings If my checking does not have the funds.

2. On the day I made the transfer I still have money to left in the checking account. 

What really happened was I had a an authorization for a charge that I thought was XXXX so I had that amount in my account the same day that it posted which was XX/XX/XXXX I saw it was for XXXX more so I went to the atm before XXXX and deposited XXXX to cover the transaction so I would not get an overdraft fee, but somehow Wells fargo managed to charge me a fee anyway. 


I contacted the call center to inquire about the fee and I was given a bogus answer, I requested to speak to a supervisor and was told the same thing so I requested to speak to that supervisor 's supervisor and she transferred me not to her supervisor but to wells fargo customer service department. I spoke with the customer service rep and after conversation with her she did over me partial refund of the fee, thats not acceptable because I was not in overdraft period to have a fee, so I requested to speak to her supervisor after holding for more thna 30 minutes she tells me her supervisor says he is too busy with other customers to talk to me and that I needed to be transferred to his voiccemail to leave him a message, i declined the transfer and preferred to wait a little longer, I had already been on the phone over an hour anyway, the rep came back to the line again stating her supervisor says he was not going to speak to me regardless of how long i wait so i told her to let me leave him a message, instead of her transerring me to his voicemail she transfers me to an outside phone of a truck driver that has no affiliation with wells fargo 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 monetary relief
Consumer complaint received 2019-01-09 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: ATG Credit, LLC
State: IL

Complaint narrative:
I am filing this complaint because I cant help but feel a little cheated here. My credit score has dropped by over 90 points as a result of this collection from ATG credit. This is all stemming from a medical collection that I thought insurance was going to cover. The whole medical billing process is a mess and Im now being severely punished for something I had no fault in. Im trying to purchase a property and Im unable to qualify for the home loan program because my credit score is too low. I paid this collection once I was able to ascertain that it was  valid and that it indeed was my liability. Throughout that process I think its worth mentioning that I kept receiving nothing but conflicting information and this is what ultimately led me to delay the process of making the payment. I already pay quite a bit of money every month for insurance so who would want to pay more without verifying information? 

In addition to this, I was also informed by a supervisor that once the account is paid, that the damage to my credit score will be reversed. This simply isnt true as I have come to find out that the Version of the Credit score that is utilized in Mortgage lending will punish you the same amount regardless if the collection account is paid or unpaid. This is really a travesty, I am unable to fulfill a lifelong dream of purchasing a home over a small medical collection. 

I am asking that they submit a request to remove this account from my credit reports so I can move forward with the purchase of my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had my wallet stolen on the evening of XX/XX/2019, which contained my social security card and state issued ID. I attempted to call capital one to report the fraud and freeze my account, but their fraud department was closed. This is the only card ( of the ones I have ) whose fraud department is not 24 hours. When I called the morning of XX/XX/2019, I was transferred to a foreign call center. The representative was adherant to a script about issuing a new card and would not listen to my concerns about my account information being compromised and having steps taken to prevent fraudelent activity and changes to my account. I was issued a new card and because I could not make any progress with the representative, ended the call to make other calls for the day. On XX/XX/2019, I recieved an email that another new card had been requested on my behalf ( not the one I called for ). When I called again, I spoke with the US fraud department and was told that a fraud alert would be placed on my account and told me my information would not be supplied to anyone calling, only confirmed or denied according to policy. My account was locked to my phone number - seemingly because the thief tried to change the phone number, and I was transferred to the IT department. The IT person could not unlock my account, so transferred me to the foreign fraud department. The representative then read out my phone number, and asked me to confirm. This is concerning becuase my identity is already severly compromised at this point, but now the thief potentially has my phone number too, which will allow them even easier access to my accounts. Repeated calls to Capital One local and foreign agents have been unsuccessful in resolving this issue or securing my account and the representatives seem wholly unconcerned about this issue. I've been told repeatedly that while it is not their policy, they can not keep their representatives from accessing and giving out my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Greenlink Financial, LLC
State: TX

Complaint narrative:
Was sent an unsolicited mailer for a loan for debt consolidation, I contacted the company for the " pre-approved loan '' on XX/XX/2019 and when contacted the " pre-approved loan '' was denied due to income to debt ration ( this was a debt consolidation loan ) then they immediately tried to sell me on a debt relief program from their " parent company '' XXXX XXXX. When I asked for the terms to be sent to me for review " XXXX '' the " Director of Underwriiting ''  said they do not do that. Now I am no lawyer but if you are asking someone to enter into a contract, which this is, you are REQUIRED to provide written documentation, ie terms of service, terms of contract ETC.. When I asked XXXX, his response was along the lines you either listen and agree to them or we dont do business. Now if this is a financial contract those terms MUST be  made available in writing for my review and the review of legal counsel if I so choose. Yet that was denied to me due to the fact their " policy '' doesnt allow it. 

Also I am curious as to how they new my payment amounts and current debt level BEFORE I contacted them as seen on the unsolicited mailer they sent.. To my understanding that information is not public and if sold to them or pulled by them with out my permission is illegal as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a consumer that is privy to the federal guidelines that agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the bureaus to send me 'validated proof ' that some debts I'm questioning are mine. After two request, I have neither received the proper validation or deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers to validate my requests. How this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am a consumer that is informed to the federal guidelines that credit reporting agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the credit reporting agencies to provide me with " validated proof '' that some debts I'm questioning are mine. After several requests, I have neither received the proper validation of deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers process my requests. How is this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit  reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I got a persinal loan from XXXX XXXX for about {$7000.00}. I did sign for the loan and received the money. After speaking with a friend that works for a mortage company, he explained that if I pay this loan to term at {$360.00} a month for 5 years, I would be paying about {$21000.00} for a {$7000.00} loan. He siad he has never seen an interest rate this high at about 60 %. He suggest that I have CFPB look at this to make sure it was ligjt. 
This company is registered under 3 names and all at the same address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX NC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -XXXX  I know I signed for the loan in a bad time of need but I wanted to have this reviewed for legitimacy. 
Please let me know if you need anything else from me. 

XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: CA

Complaint narrative:
Wells Fargo is not honoring their promotion. I have physical documentation of this promotion. I've even followed up and filed numerous claims. Bonus of {$100.00} was never rewarded and now they say they promotion never existed when i have the physical documentation.

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 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unauthorized inquiry from XXXX XXXX would like inquiry 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 2019-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: AZ

Complaint narrative:
I was contacted by Premier Student Loans in XX/XX/XXXX about assisting me with loan consolidations and reducing my student loan balances and payments. They informed me that they could reduce my student loans so that I only paid {$5000.00} of the {$30000.00} I owe in $ XXXX/month increments. I paid their fee in 3 monthly installments and have been supposedly paying {$20.00} a month towards my loan balances since then. Today, I checked my loan payment history with XXXX and Premier has made NO payments towards the balance of my loan even though this {$20.00} a month was supposed to be paid to the balance of my loan. Today, XX/XX/XXXX I have made multiple attempts to email Premier to get my payments applied to my loan and the emails are returned as undeliverable. Their website is also " down for maintenance '' at this time. Due to not being able to get in touch with them, I have instructed my bank to stop all future payments and I intend to seek restitution for these payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am a consumer that is informed to the federal guidelines that credit reporting agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the credit reporting agencies to provide me with " validated proof '' that some debts I'm questioning are mine. After several requests, I have neither received the proper validation of deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers process my requests. How is this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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:
I have filed a police report at the XXXX XXXX police department and gave all the suspect information relating to me being victimized by identity theft. 
XXXX XXXX at XXXX XXXX POLICE DEPARTMENT. BADGE # XXXX POLICE dept PHONE : XXXX For years I have attempted to remove these fraudulent items from Equifax. They will not comply by Federal law and remove the items.

Total amount taken exceeds 100,000.

6 accounts were opened in my name, money was spent, and I still suffer due to the fact Equifax will not honor the request by XXXX XXXX police and use my identity theft report to block these negative items. 

How many years do I have to wait before my life gets back on track? Why will they not do what they are supposed to do? Ive lost 1000s of  hours of my life dedicating to try to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I set my account up on reoccurring payments, I spoke with someone on the phone after I found out my account was delinquent and he informed that it was not setup on reoccurring payments. Now I have a thirty day delinquency on my credit which I should not have. I paid the account current and setup the reoccurring billing again. Hopefully this time it will work. However, I asked for a courtesy waive as it was not my fault that the reoccurring billing did not take place. it was denied I am hoping that this time which will be the third time I set it up that it will actually take place. It is more convenient for me to have it setup on auto pay then having to log in every month to pay. Please look at my history with them I have never been 30 days late and my credit effect by this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized inquiry from XXXX XXXX would like inquiry removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: National Enterprise Systems, Inc.
State: NY

Complaint narrative:
On XX/XX/2019, XXXX XXXX a department head at National Enterprise Systems contacted our daughter on her personal cell phone about a debt her father and I owe. Our daughter is not a guarantor or contact on any of our financial accounts. She is a student. I called Mr. XXXX directly, informed him I was going to file a complaint with the CFPB and that he should delete my daughter 's contact information from our file.

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 2019-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have completed the offer described on this website : XXXX XXXX   XXXX XXXX   XXXX When I called Capital One, they claimed that I didn't qualify because the {$50000.00} deposit was " not all at once ''. After I said that this was not in the promotion language, I was told I didn't qualify anyway. 

I asked to be transferred to a manager, who proceeded to bully me into accepting {$100.00}. I made it clear that I'll accept the {$100.00} as a gesture of goodwill, but that I need the remaining {$400.00}, and I will be filing a complaint to that effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am not really putting this in for a dispute, I am fine with the disputes I put in, but on my report I saw something I wanted clearified and called the toll free number only to find that it goes to a call center in XXXX. This is appalling. We are always fighting to keep our credit safe but trans union has their call center in a country that is known for people hacking and stealing identities. This needs to be addressed. I am very angry about this.

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