vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Hi there, thank you for your time in advanced! 

My issue- I had a plan with XXXX XXXX for a few years. I decided to close the plan I had an switch over to a pre paid account because every month it seemed there was some hidden charge. Before I switched over to my new plan I had {$200.00} left to pay on my old one. I could not pay all of that at once so the accountants at XXXX XXXX said they could set me up on a payment plan of 4 payments of {$50.00}. 
I had been paying the {$50.00} payments for the last 3 months. On the XXXX month it was time to pay my last {$50.00}. When I called in to pay it, the woman on the other end told me I still owed {$200.00}. I informed her that I had set up a payment play a few months back and I have been making {$50.00} payments for the last 3 months. She told me she sees no history of that!! I had been calling in to make the payments instead of going online because I was told the payment plan option was not available online! With this said, that left me with NO receipts to go back to and show proof of my payments. After the woman telling me she see no payment history for me and I had no receipts to show, I felt very discouraged and let down that XXXX XXXX would be so careless. The woman I spoke to either had no idea what she was doing or XXXX XXXX all around messed up and something did not get recorded properly. 
This all happened almost TWO years ago and is now showing I owe a debt collector. I called the XXXX XXXX many times along with the debt collector and no one can seem to help. 

I am hoping cfpb can help me finally get this squared away. 

Thank you for your 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 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Approved for a new JetBlue Credit card from BarclayCard US on  XX/XX/18. Company claims they mailed a card, but was not received after the time stated it would take ( waited over 10 days from approval to calling customer service as advertised ). Called customer service on XX/XX/XXXX requesting a new card be sent. Was charged an expedited card fee of XXXX $ On XX/XX/18, however, this fee was not disclosed at time of request. If the fee was disclosed, I would not have requested the card. Other card companies I use have either disclosed this type of fee or have not charged/waive this type of fee altogether so I can make a decision based on the amount of the fee. Im concerned others are being charged this type of fee without required fee disclosure notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-24 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: DISCOVER BANK
State: GA

Complaint narrative:
Initiated a {$500.00} bill payment to Discover on XX/XX/XXXX on their app to pull from XXXX XXXX. Payment posted on XX/XX/XXXX with Discover. Was showing pending from XXXX XXXX. Payment returned some time during the night between Tues and Wed morning before I woke up. Finally got an email from Discover fri night saying your bank informed us they could not locate your account. The XXXX XXXX account has been around for several years and their bill pay has been from the same account they couldnt locate according to Discover. 
Another issue that thur. A {$400.00} bill payment to Discover over the phone from the same XXXX XXXX account was put on hold. Well another issue with giving them my money within 5 days. 
Discover is hiding behind their name and their agents canned and robotic type responses. And they make me out to be the problem? Ive never ever had a return in full of payment quite anybody unless Im returning a product. And then the hold mess too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
Communicated with discover in regards to my credit card being closed as a result of me being unable to pay due to Hurricane Irma and me being extremely sick and in and out of the hospital received a letter stating I had until XXXX to clarify such matter I had contacted them a couple days ago was told if I pay around {$140.00} that my card would at least be reinstated a credit was issued and a foregivness fee on interest they then took said payment over the phone I am now at a - {$1.00} odd credit on my balance meaning I owe nothing yet I called back up and was told my card can not be reopened I was told since this debt is now paid up I would be able to get another card by reapplying of course I said I had the secured version and I know I wouldnt be the requirements of the unsecured they proceeded to say secured cards have to be applied for online I proceeded to do so imputed my income and was then denied for said secured card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: NY

Complaint narrative:
portfolio recovery account # XXXX this company has been harassing me by reopening old account that were closed and charged off from my divorce they continue to call and harass me with mail and threats and phone calls to me I have never owed them nor do I have any interest in them this account and others have been reintroduced to my credit report over and over again because of harassment they don't report any payments and said they are not liable to do so either I would like to have my credit back as my records are clean except for there continued harassment I have written to them and other credit bureau and have had no results please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My husband and I had a VA mortgage through XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. We were in the process of selling our home in XX/XX/XXXX. We closed on our house on XX/XX/XXXX. The title company was in possession of the payoff check and was responsible for disseminating the check to the mortgage company. Due to having to pay {$10000.00} to sell our house, we were unable to make the mortgage payment for the month of XXXX. Since we closed on XX/XX/XXXX, the payoff was sent to the company within the 30 days. The mortgage company decided that they would place a 30 day late payment mark on our credit report, regardless. The method of disseminating the payment to the company is not in our control and due to the company 's business hours, they claim they did not receive the payment until XX/XX/XXXX. My husband called and talked with a representative that was very rude to him and insisted that we should have a thorough knowledge of the mortgage business. I attempted to resolve with the company through a phone call and the XXXX, but the company insists that they have recorded calls from a week before the closing date, but none of the calls after. I even talked with the company on XX/XX/XXXX and informed them that we had closed, but they state they do not have that recording either. We had a perfect payment history with the company and are offended in their treatment of veterans when a situation is out of our control. We did everything possible to get the payment to them before the end of the month and are not responsible for their business hours or the actions of the title company. We would like them to amend our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: IL

Complaint narrative:
On XX/XX/2018, I submitted a dispute to Equifax in regards to a collections account which is hindering me from purchasing my first home. I did not recall having an outstanding collections from a medical provider nor had I received any notices in the mail. I then sent a letter asking for Equifax to advise me of the names and addresses of the medical provider, the dates and types of services that were supposedly provided. I also asked Equifax to please provide me with the name of the person that provided the data and the manner in which the data was provided. 

After waiting almost one month, I received a reply from Equifax which just stated " verified and account belongs to you ''. It was devoid of any of the requested information that I asked to be provided to me. As of XX/XX/2018, I'm still trying to have this information deleted to no avail. I have not been able to be qualified for a home loan and I believe that's it unfair to damage a persons report. I have provided my initial request to Equifax and their response. I'm seeking help. 
Thank you for taking time to read this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XXXX of 2017 I received an alert from my credit monitoring service that 27 late payments from Nelnet hit my credit report. All of those accounts now report as closed due to the fact that those accounts were consolidated. Since XXXX of 2017, I have struggled with Nelnet to correct this information because I would never have been notified of any problem with my accounts because nelnet had been sending information to the wrong email and mailing address. there was a mix up on their end. according to the rep I spoke with, the last rep I spoke with entered by personal information into their database incorrectly. Although I never received accurate reporting information regarding the accounts, Nelnet maintains that it can contact me anyway they choose. This is absolutely ludicrous considering that I have no idea who received my personal information because of their mistake. Nelnets response to this irresponsible reporting practice has been to keep these late payments on my credit reports, keeping me in financial ruin. 

account numbers as listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX college lied and defrauded me. I was told I would get help with job placement and I did not. I graduated XX/XX/07 and when I called to inquire why I did not get my degree in mail I was then told I owed over {$5000.00} - not true! Also they wont release the degree or transcripts. I also refuse to pay for a worthless degree that I cant have and cant use thanks to them. The school was closed. I was hounded to enroll and was never told Id owe money above my student loans. I was lied to and deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
OnXX/XX/2018 I swiped my debit card at my child 's daycare in the amount of XXXX. That day I noticed 2 transactions for the same amount pending on my account, I called the daycare who stated they only had one charge on their end of the day paperwork. I waited until the second charge cleared and submitted a claim to Bank of America. My bank submitted the funds right back in to my account the next day pending their investigating. My account shows a debit for XXXX and also what they called an ACH for XXXX to the same merchant on the same day within seconds of each other. On XX/XX/2018 Bank of America reversed the funds stating that after review the merchant 's bank, XXXX, stated that it was a rightful charge and that I was suppose to pay XXXX on XX/XX/2018. Bank of America also sent me the information that was mailed into them from XXXX, and on the paperwork it only shows that I was suppose to pay XXXX. Still no one can tell me where the second charge of XXXX done on the same day is! I called back into the claims department and was told they could see the error and that it would be reopened and I would be credited back the XXXX. After weeks of this representative from my bank not returning my calls and ignoring me, I went into my local branch where they called the claims department with a complaint on how I have been handled thus far. Yet after a week of that going on - I still had not received my XXXX back. When I called back in again in XXXX I was told that the claim was closed and that I needed to take it up with the merchant! I have spoken to my daycare director several times and she has shown me her bank statements that show they only received the one debit for XXXX on that day. She then in turn wrote a letter to bank of America for me to fax in to the claims department in hopes they reopen this for the third time. This is my final attempt at trying to collect my XXXX back that no one seems to have or know where it went ... and both major banks have just been pointing fingers at one another since 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 monetary relief
Consumer complaint received 2018-07-24 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: U.S. BANCORP
State: IL

Complaint narrative:
I opened a US Bank Business Edge Select Rewards card on XX/XX/27 that had a signup bonus of XXXX points after spending {$1000.00} within the first 3 months. I met this requirement within the first month and have still not received the bonus. I initially started calling them in XXXX to see when my bonus would post and was assured it would post on the close of the next statement. I called again on XX/XX/XXXX and they opened a " request '' to the rewards program to research the issue. I was told it would take 7-10 business days to resolve and I would receive a letter in the mail telling me I had received the bonus as it was clear that I had met the requirements. It has now been 76 days and the situation is still unresolved. I have called approximately every two weeks during that time and have been reassured it would be taken care of within the next 7-10 business days. I called again today and was told that I had been misinformed and it can take up to 3 or 4 weeks, to which I have already waited more than double that time frame. Today I was told it is still being researched and there is nothing I can do other than wait. I have waited over 6 months for this to be resolved and have been lied to continuously while trying to get this resolved. I have fulfilled all the requirements of the promotion and there seems to be no end in sight as to when I will receive it. 

The same promotion still shows on their website and I was assured is still valid, so I don't know why this is such a headache to resolve. 

Attached are the screenshots from when I applied for the card and the promo is still up on the US Bank website as well.

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 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
alittle over one month ago received a promotional offer from Bank of America to transfer money to my checking accoount at an annual  interest of 3.99 %. I called and spoke to representative who confirmed same and offered to trransfer money on the spot. I was required to listen to a confusing message and agreed. When I received my statement there was a charge of 13.49 % on the purchases that I had made the previous period. I called and they affirmed same ; I indicated that this charge was never explained to me by the rep I spoke to. They retorted essentially too bad. I then re read the offering flyer and it says that interest would be charged on purchases but not what the amount of the interest would be. Since I like many people pay their statement in full each month it would not be unreasonable to assume that this charge would not apply!! Wrong!! I believe this practice is tantamount to a predatory lending scheme to entice people to borrow money and be charged more than the offering rate of 3..99 %. Since I have another card I wil pay off early the current balance with money that I will borrow from my IRA and not use the B of A credit card ; however many people may not have another card to use and will be stuck paying this exorbitant amount!!

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 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tulsa Adjustment Bureau
State: CO

Complaint narrative:
MY NAME IS XXXX XXXX. I WAS SENT TO COLLECTIONS FROM XXXX XXXX XXXX IN XXXX OKLAHOMA. I WAS INSURED UNDER THE STATE OF OKLAHOMA WITH MEDICAID. DATE OF SERVICE IS XX/XX/2017. XXXX OF OKLAHOMA WAS NEVER BILLED, WHEN I TALKED TO XXXX XXXX XXXX I TALKED TO XXXX WHO CONFIRMED THEY BILLED THE WRONG INS WHICH IS XXXX XXXX BUT REFUSED TO REMOVE FROM COLLECTIONS WHICH IS AFFECTING MY CREDIT. I ALSO TALKED TO THE COLLECTION AGENCY WHICH IS XXXX XXXX TO DISPUTE AND SENT THEM MY LETTER OF ELIGIBILITY AND THEY TOO REFUSE TO REMOVE. I AM ON MY WAY TO THE MILITARY AND NEED TO HAVE THIS ITEM REMOVED FROM COLLECTIONS AND OFF MY CREDIT REPORT AS SOON AS POSSIBLE AS THIS BILL IS OUT OF TIMELY FILING AND ALSO I WAS NEVER EVEN NOTIFIED OF THE BILL OR RECIEVED INITIAL NOTICE FROM MTHE COLLECTION AGENCY. I FOUND THE INFO THROUGH MY CREDIT REPORT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account Name/ Number ~XXXX/XXXX XXXX  XXXX ~XXXX XXXX- XXXX The above account are being reported as late and I've never been late and i have XXXX XXXX XXXX. Your company continue to report these negative items on my credit profile which is inaccurate information. I've sent several letter on behalf of this matter and you continue to report this inaccurate information thats 's damaging my credit profile.

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 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was making a purchase for prescription eyeglasses and the doctor charged my account for 5 different frames. 
I asked for only 2 from for daily wear I was only refunded by my bank one time of {$370.00} after chase reviewed the second charge of {$300.00} for another frame. 
I never purchased a third or forth frame. So chase place {$300.00} back on my checking account for a none of the eyewear I purchased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-24 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: Avant Credit Corporation
State: OK

Complaint narrative:
Avant is reporting to XXXX  that this account is open and past due. I filed for Bankruptcy protection in the XXXX District State of Oklahoma Case # XXXX. They have also called me several times and I have advised them I filed bankruptcy and they should not be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: TX

Complaint narrative:
I filed a complaint with the CFPB to get validation for XXXX XXXX. The company stated that they were unable to validate my account. see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
A spreadsheet provided as validation is not validation, this is an error I do not owe, remove this mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: NE

Complaint narrative:
I applied for credit with XXXX and 2 inquiries appeared for one application. Also, my credit score dropped approximately 100 points immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: MD

Complaint narrative:
I filed bankruptcy only one was XX/XX/XXXX, My XXXX XXXX was discharged. 
( See Attached ). They change dates and switch names now to Department of Education. The last time attend College was in XXXX. They are still reporting incorrect information.

Company response to consumer: Closed with explanation