vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied and was approved for the American Express Delta Gold Business card  on XX/XX/XXXX. The terms under which I applied were a welcome bonus of XXXX Delta Skymiles for reaching {$3000.00} in purchases within 4 months which I did complete on XX/XX/XXXX. Weeks passed and the XXXX miles never posted so I contacted them via online chat on XX/XX/XXXX and they opened an investigation into the matter. I never heard back so I did another online chat on XX/XX/XXXX and was told I wouldn't receive the bonus " due to incentive bonus offer misuse history ''. I had never been warned/notified of this before/during/after the application process. I feel I don't have a history of misuse with Amex and I'm frustrated that they haven't lived up to their end of the deal when they approved me for their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
Cavalry Portfolio Services LLC are attempting to sue me over an alleged XXXX credit card debt from XX/XX/XXXX-XX/XX/XXXX without the required documentation outlined in a 2016 CFPB Consent Order relating to XXXX accounts from this time period ( XX/XX/XXXX-XX/XX/XXXX ). I have been to court on seven separate  occasions asking for this documentation ( effective agreement, minimum of 12 months statements ) only to be asked each time how I plan on paying, as though I had never spoken to them before. 

Details of a similar case and past CFPB complaint made public online by the defendant indicate Cavalry Portfolio Services and their same local representative law office of XXXX XXXX XXXX are aware of this Consent Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
On numerous occasions I have had to resubmit financial documents to Naviant in order to have my student loans rehabilitated. I gather all of the need documents such as daycare receipts, bills such as mortgage, utilities and car payments. Each respond that we have received back regarding the submitted documents range from sorry but this form was not included or sorry we need you to resubmit all your documents. This has been on going for a year now. I call naviant today XX/XX/XXXX to discuss making a payment to my account which is supposed to be around {$270.00} a month. The customer service representative tells me that Im supposed to make a monthly payment of {$1300.00}. I told her about the rehabilitation payment of {$270.00} a month and asked her where she got that larger number from. She hangs up on me. I call back to Navient and no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
I received a check from BB & T datedXX/XX/2018 as a refund for an overpaid medical bill. Check number : XXXX for XXXX was issued in my name. I cashed the check at a local convenience store and about a week later the owner contacted me and indicated the check had been returned. I contacted BB & T to determine the issue with the check and was advised that the check was valid and should have gone through. Well, it did not and I was told by BB & T to give it some time and have the owner try to deposit the check again. He did and again it came back returned. After weeks of going back and forth with BB & T and the owner, I have finally reached my limits. I later learned from BB & T that they put a stopped payment on the check but was never told why. BB & T did confirm that the funds were good and that I should have been able to cash the check but that I should have cashed the check at a BB & T branch. I ended up having to pay the owner of the convenience store out of my own pocket to cover the check and have yet to be reimbursed for the XXXX by BB & T. I was told by a BB & T rep that I needed to write a letter stating what happened and send to their office to be reimbursed. At this point, I have lost all faith in BB & T and just want the XXXX refunded back to me.

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 2019-03-13 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: CA

Complaint narrative:
On XX/XX/19, I sent a follow up letter to Equifax requesting they re-investigate the verification of a collections account with the company : XXXX/XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or XXXX verification would not be accepted. Equifax did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. 

Thank you for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I have been denied several checking accounts due to information that I believe to be related to identity theft on this report. When I requested a copy of the report on XX/XX/2019 I was told that i did not pass the authentication with the operator even though I supplied them with an address that I have resided at for over 4 years. I was then told to go online to print out a request then mail it in and that from the time they receive it to give an additional 15 days to receive the report. Due to the sensitivity of this issue potentially being an identity theft issue I feel as though this matter should have been escalated to prevent any further harm being done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: NC

Complaint narrative:
Upon looking at my credit file in XXXX of XXXX, I realized there was a collection being report to XXXX   in the amount of {$3400.00} by a company called Perfection Collection. The company said the debt was opened on XX/XX/XXXX This debt is most certainly not mine, and I'd like the matter resolved and removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Since XXXX of 2018 I've been sending Equifax dispute letters. Disputing all inaccurate, misleading, erroneous, incomplete and old account that should not be there. But time and time again Equifax refuses to follow federal law. In accordance to FCRA rules. Although I've sent Equifax several certified mail asking them to either validate or remove all inaccurate, incomplete, old and misleading information from my credit report. They are still reporting these unverified account as accurate. Without any physical evidence or documents as required by federal law. Equifax is clearly in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is responsible for the servicing of my mortgage loan, but they are failing miserably. I can not imagine how they are able to remain in business after all the shenanigans they have done. They are purposely keeping me from obtaining mortgage assistance, so that they can take my home away and make themselves richer. They will not have any constructive discussions with me and it appears that they will soon put my home into foreclosure. I have lived there for over 50 years and want to spend the rest of my life there. They have never provided me with assistance and when I tried working with them they keep asking for the same documents over and over again. I am not a deadbeat, but fell into financial trouble when I lost my father, two sisters and my daughter to XXXX. This set me behind on my payments and I should have gotten some help from Wells Fargo, but they have been incompetent in their efforts to help me. This has gone on for years and I need some help dealing with them. Since they have not helped me, my delinquency is much larger and I am afraid that there is no way I can get my mortgage modified. It is their fault that it went on so long as they kicked the can down the road. I keep having to deal with a new person every time I call in and it gets frustrating because I dont think Wells Fargo has a cohesive process to help homeowners. Isnt it their business to professionally handle loans? I bet if this was a new loan they would have had this completed within a month. I am certain that they are dragging their feet because I have equity in my home that they want to capture. How can Wells Fargo still be in business after all I have read about them? Please shut them down! I hope your agency can go after them on my behalf and get them to correct my loan issues.

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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from 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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from 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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2019, I contacted Equifax to find out why potential creditors were not able to pull my report. I inquired if there was still a consumer placed freeze on my account ; I wanted to remove it, if so. I was asked to verify my name, social security number, date of birth and address. I confirmed all of the above. I was placed on hold and the gentleman came back and told me that he was not able to release any information from my credit file to me. I asked why they were not able to verify my identity, when I just verified all pertinent information. He told me that the system is telling him this without an explanation. I asked to speak with a supervisor. The supervisor got on the phone and advised me that she could not provide any information to me. I again asked why. She told me the same. After I exhausted myself to no end with the situation, I asked what they needed from me beyond what they already have on file from numerous correspondences that I sent in the past with my State ID and social. 

She advised me that she needed a state ID with an updated address and updated phone number. If my ID address was not current that I needed to send her a utility bill. She wanted something to show where I live. I advised her that she is not entitled to that information. She only needed information that verified who I am. Social, State ID ( updated or not ), name and date of birth. She argued the point and left me feeling blackmailed in the situation. I felt that if I do not send them personal information that is outside of the boundary of ID verification, I will not be given access to my credit file. Meanwhile, I have received adverse action on credit applications due, in part, to the fact that they could not access the file from Equifax. I attempted to receive my credit report through the phone system and was also denied due to " verification '' issues. 

I am willing to send State ID, which bears my date of birth, alone with my social to them. However, I do not believe that asking for my current address and phone number are pertinent pieces of information to verify my identity. Furthermore, I believe that withholding the content of my credit file and score are violations of my legal right to access my credit file, especially following adverse credit decisions. 

I filed a previous complaint when they stopped reporting on XXXX XXXX, since I disputed many items on their report. This has been an issue since then. The complaint was closed, but not resolved. I am looking for a true resolution ... .someone to really look into why I am being denied information in my own credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has failed to provide original documents with my signatures nor verification sheet disclosing information. XXXX is using the E-OSCAR not providing verification and missed the 30 day deadline provided in the verification sheet.

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 2019-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX I became unable to make my monthly payments of {$210.00} as per the loan agreement. I was contacted by the company by mail numerous times with options to make the account current. I offered to settle the account for a lesser amount but they have refused. I have asked for a lower interest rate and smaller payment and they have refused. on XX/XX/XXXX, they filed a civil suit in XXXX County, Ohio small claims court. They told me that the account would have to be charged off for at least a year before considering a settlement of less then owed. The account went 4 months past due and civil suit filed. This is contradicting as to if they sue you after 4 months, then how can you be charged off a year before considering a settlement amount. These loans carry a high interest rate as where you are set up for failure to repay. Why bother sending me letters if they wont agree to nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In XX/XX/XXXX I decided it was time to repair my credit and buy a house. I had several outstanding credit card collections that needed to be paid off. 
XXXX XXXX XXXX had three of those collections. In order to pay off all my collections I took out a high interest personal loan at the end of XX/XX/XXXX. On XX/XX/XXXX I called every single collection agency on my credit report and paid every one of them with the exception of the one in question. 
On XX/XX/XXXX I paid XXXX XXXX XXXX for 2 of the three collection accounts. 
First one was for {$290.00} and the second was for {$740.00}. 
The XXXX one I couldn't pay, they told me that because it was already entered in a Judgment, they couldn't receive payment. I called every payday from XXXX until the end of XXXX trying to pay this debt and finish my credit repair. Every time I called I was told its still in the legal department and can't make a payment. At this point I was starting to get upset and frustrated with XXXX XXXX. In early XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX of XXXX XXXX in XXXX Arizona stating the XXXX XXXX XXXX " acknowledges receipt of goods '' and was " a full satisfaction of judgment ''. 
Fast forward to today, XX/XX/XXXX, I am in the middle of a home purchase where escrow closes on XX/XX/XXXX and my lender called me to say XXXX XXXX is now saying I owe them {$1200.00}. We ( mortgage company and me ) thought that with the letter from the court they would fix this. I argued on the phone with a XXXX XXXX rep for over an hour. I finally was so upset that I said I would just pay the balance because I need to get this fixed so I can move forward with my home purchase. I was then transferred to XXXX, what they keep calling the legal department at XXXX XXXX. I explained to the new representative that I just wanted to pay the balance. He looked up my account and then asked " you live in Oregon? '' I said " yes ''. He then proceeds to tell me that he can not accept payment because XXXX is not authorized to collect in Oregon. 
I am making this complaint because it is urgent that this is taken care of or my home purchase could fall through and I already gave my landlord my 30 day notice back on the XX/XX/XXXX. I am desperate and have really been trying to pay this for almost a year.

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 2019-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I signed up for a member ship with sofi a few month 's ago i started to utilize the services offered. Then in the beginning of XXXX i had a issue with my external bank account where i was getting unauthorized transactions so my bank advises me that they need to send a stop payment to all my transactions to be able get my funds back. So i contracted sofi to let them know what the situation and was and sofis customer service told me my account will be at a negative and that to avoid any account fees i needed to make another transfer to being my account current. So on XX/XX/2019 i transferred {$20000.00} because i ended up closing my external account due to fear of my account being tampered with i then transfered my remaining balance to my sofi account. So my sofi membership account holds my funds totaling {$35000.00}. My complaint is sofi isnt even a bank how are they able to hold all my money and not release my funds to me its been 7 days they have bern with holding my funds and thats not right. I feel like they are breaking some sort of law because it's my money it came from my external bank. Ive tired emailing calling and they do not give me no answers yet my funds just sit there. I thought that maybe its due to assumption of illegal account activity but that's not possible because they make you log into your external bank to verify account owner ship. I just want my funds to be accessible for my use not to be held by a company that isn't even a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: CA

Complaint narrative:
On XX/XX/2019 I sent a certified letter to Portfolio Recovery Associates LLC requesting validation of a debt the claim I owe. The company responded by sending me two statements dated XX/XX/2019 saying they had investigated the matter and found that the debt was valid.they included a copy of a letter and copies of two months of billing statements from XXXX XXXX. I sent Portfolio Recovery Associates LLC a second certified letter with return receipt on XX/XX/2019. It was signed for by XXXX XXXX on XX/XX/2019. I then received another statement dated XX/XX/2019 that again stated the debt was valid, and enclosed another copy of the same copy of a letter from XXXX XXXX.The last thing I received was another two statements dated XX/XX/2019 saying again they consider the debt valid, will no longer investigate, will no longer reply to requests for validation, and consider this matter closed. In total the only evidence of this debt that Portfolio Recovery Associates LLC provided to me was the copies of two monthly bille and two copies of the same letter, this does not meet the requirements set by the Fair Debt Collection Practices Act or the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation