vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 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:
On approximately XX/XX/XXXX I attempted to perform an on-line balance transfer to XXXX XXXX Credit Card. The screen displayed the transaction was unsuccessful. I contacted XXXX XXXX and spoke to a young lady. I asked if the balance transfer was successful, and was told no. I asked if there was a 0 % balance transfer, and was told no. I told her that I did not want to transfer anything, and asked her several times to confirm there was not a balance transfer made. After time passed ( approximately 1-2 months ) I received a bill showing a {$20000.00} balance transfer. I immediately called and spoke to a Floor Supervisor named XXXX ext XXXX XXXX. XXXX confirmed the balance transfer showed it did not go through. XXXX told me she would speak to her supervisor to have this the transfer undone. XXXX and I spoke regularly about this option, but nothing was ever done. I spoke to many supervisors, who all said the same thing, the transfer should not have happened because I did not authorize it. I spoke to XXXX ext XXXX, XXXX ( pronounced XXXX ) and finally XXXX onXX/XX/XXXX who assured me the fees and interest would be reversed and they would refund the money on my credit card byXX/XX/XXXX. It did not happen, so I called again XX/XX/XXXX, and was told I would receive a call back from a supervisor, which I never received. XXXX XXXX has recorded and documented conversations that confirm the transfer was unauthorized. In addition, I believe it a Truth in Lending law that I would have been contacted to confirm I authorized this transaction, and I never received any information, until I received a bill. I would like the fees and interest returned to my credit card. They now ( after almost a year ) are {$2700.00}. Thank you.

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 2018-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: TN

Complaint narrative:
They are texting me and sending messages via social media. I have all the messages saved- they arent leagally authorized to do either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been contacted on numerous occasions by this company who claims to be affiliated with XXXX XXXX XXXX, XXXX/XXXX  XXXX and XXXX XXXX XXXX XXXX ( Attorney Firm ), XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ( Office Phone XXXX ) On most occasions I have been dealing with a person named XXXX, who has been very rude to me and my family members. This company has also contacted members of my family ( parents, in-laws, children, & stepchildren ) in their efforts to collect this so-called debt. They are claiming to be trying to collect a debt from Wells Fargo on an overdrawn old checking account from more than 8 years ago. I was instructed by XXXX to contact the collections & recovery department for Wells Fargo which I have done. The bank shows no record of any accounts in my name which were previously or currently sold as a collection for me. This company has continued to harass me and my family members by phone, threatening that they are sending a process server to my home as they are filing a judgment and civil collection action against me. I have checked local court records and no such information exists on my. I have requested documentation from this company in writing regarding this alleged debt which they have not produced.

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 2018-08-30 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
XXXX ( Seller ) breached the contract by fraud and/or negligence by providing false and/or misleading information on the sofa that the three pieces are linked together in order to induce the sale on XX/XX/XXXX. 

After I received the sofa, I found out that the three parts were not linked as promised in the email of XX/XX/XXXX. Seller refused to complete the repair as promised by sending me the links to link the sections. After failing to hear from the seller, I disputed the charge with my credit card company on the payment. I asked them to either repair the sofa or pick it up. 

However, Seller continues to enforce the sale by placing me on collection and a recording on my credit file. 
Here are the facts and the supporting documents : I ordered a sofa from XXXX in XXXX, XXXX. In the email from XXXX date XX/XX/XXXX, in response to my question whether the sofa sections were linked, XXXX stated that Each piece does have an anchor to attach it to the other pieces as well. ( See Page 1 email dated XX/XX/XXXX ) On XX/XX/XXXX, after I complained that the sofa sections were not linked, XXXX apologized in her letter dated XX/XX/XXXX that the company sent me the wrong sofa. ( see Email page 2 dated XX/XX/XXXX ) XXXX promised to send me the links to link the sections together on XX/XX/XXXX. ( see page 3 email on XX/XX/XXXX ) However, I did not hear from her for a month. On XX/XX/XXXX, I told her that I placed a dispute on my credit card company as it was Not the sofa I ordered. I asked them to send me the links or pick the sofa up. ( See page 4 of email on XX/XX/XXXX ). 
Instead of trying to help me resolve the problem, I received a collection notice and Seller threated to sue me in XXXX email. 
After I stated my reason, I was offered a five-year warranty and a medic to fix the sofa in email from XXXX dated XX/XX/XXXX on Email page 5. 
This debt collection is INVALID.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NC

Complaint narrative:
XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by Discover stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' Below also will be attached with the denial letter is a current copy of XXXX XXXX XXXX 's credit report that was reviewed on XX/XX/2018. This decision is incorrect and XXXX XXXX XXXX wishes to have a thorough investigation as to why he is being denied for a credit limit increase on reasons that do not accurately reflect his credit report. This information was forwarded and reviewed by XXXX XXXX in Discover 's executive office. He has failed to thoroughly examine and have this information reviewed and re-considered. There has never been past or present debt on XXXX XXXXXXXX XXXX  credit report belonging to him as you can witness and view in a copy of his most recent credit report by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: CA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX and applied for a credit card. When checking with Experian I was advised that my credit was frozen and I could not get the card. I called Experian and could not talk to a human. I applied for a temporary freeze lift and was advised it was approved. When checking back with XXXX on the XX/XX/XXXX the freeze was still not lifted, and when checking again with Experian, they not only did not lift a freeze but voided my pin #. Still never got a live person, sent an e-mail to them, no response and sent a letter to their local office, marked urgent, asking for their help. Never got a response. 
On SaturdayXX/XX/XXXX I applied for a permanent un-freeze of my credit report. I paid a {$5.00} fee which I have a copy of the statement. I received a written confirmation on my computer that the freeze was lifted. 
I waited until XX/XX/XXXX to call XXXX to see if the freeze was lifted. It still wasn't! I re-applied to Experian and have a written note that my credit was not frozen. There was a mis-communication between XXXX and Experian. I was never able to speak with a person at Experian. This is a disgrace.

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 2018-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have submitted four application to have my student loan discharge because of false certification due to I didnt have an High School Diploma nor GED at the of enrollment. All four times my application has been denied because Nelnet are saying that I have an GED. I dont not have an GED at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I can only give you a very brief information, b/c I had all the paper work at home and will sumbit to you later if you need it. 
It happened about two years ago. I had the Credit Card from American Express. But I discovered that they charged me very unfairly, so I decisided to discontinue the relationship with them. I had spoke to the phone rep. for that and she told me not to worry about it, so I thought everything was in smooth condition, but surprisingly received a letter from the company which charged me unbelieveable late fees and interests each month in following months that none of them are my fault. By then, I could not call them to tell the issue, b/c my XXXX leads me to become XXXX XXXX individual. ( please feel free to inquire the copies from the chat dept. of American Express. ) So I communicated with them thru. chat about the issue a great number of times, but it did not work. So I decided to write to CEO & President both about the situation, but I received no feedback at all and got ignored by both of them ; instead, they reported the case to collection agencies. And I sent an email to the first collection agency, and heard no respond from them. However, I continued to receive letters from collection agencies more than once at this point to tell me to pay the debt. I want to stop the relationship with them but never intended further business with them, I want to pay off my share and close my card and never see/hear from them again, but not with their claim and they tried hard to ruin my credit report record which I should earn my excellent credit record back. Can you help on that? I will be happy to send you any additional inform/documents to support my statement. Please help me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: MS

Complaint narrative:
I had to file bankruptcy due to high student loans and unable to find a job to pay loans with high interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
We rented an apartment at XXXX XXXX XXXX XXXX XXXX that was damaged by the hurricane in 2017. The windows were broken by a tree which we notified the management was hitting our window, months prior. The management failed to repair the window for almost three months resulting in water damage to the wall, laundry room and carpet. Additionally at move in, as documented in the move in inspection, we reported the carpet, walls and cabinetry to be in a state of disorder. These items were never repaired in any semblance. The garbage disposal unit also was in a state of disrepair and leaked water regularly. This was reported many times and did result in damage to the woodwork of the undersink cabinet. 
Upon move out we discussed this with management of the unit and were noted to not be at fault. Months later we began receiving debt collector calls stating a unpaid debt of {$860.00} that was related to these damages that are the property managers fault. We have contacted the manager on eight separate occasions and were promised that this would be addressed. It never has been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have phoned Bank of America credit card services about this many times. I was sent samples which I paid for. When I received them I did not use them as I was not happy with the ingredients. I tried to cancel anymore products being sent to me but there is no phone number, address or email on their website. I ave been charged XXXX by youth again face cream and the disputes department will not credit my card. I never received anything other than the samples.

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 2018-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: BlueChip Financial
State: KY

Complaint narrative:
As is in the loan agreement, I have at least 3 days notice, in my case 5 days notice to stop ach payments. The company did not stop the ach payments and as a result I was charged bank fees for insignificant funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: DISCOVER BANK
State: NC

Complaint narrative:
XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's XXXX  credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: Premier Student Loan Center
State: GA

Complaint narrative:
Premier Student Loan Center contacted me about student loan consolidation. I was instructed after gathering my information that I was approved for a student loan forgiveness program and would only be responsible for a portion of what I owed. After receiving charges on my account from XXXX XXXX XXXX I started to question this and contacted the Department of Education. I was instructed that their is no charge for this process and that this was a scam. The representative told me that these companies claim to be making payments on my student loan when in fact my payment amount is XXXX. She also told me that the consolidation process was free. I am calling this company but no one will return my call. I have disputed this with my bank and have filed a police report with local police. My student loan has not been forgiven like they claim. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I heard about the Wells Fargo class action lawsuit about opening unauthorized accounts. I never had any authorized accounts opened without my knowing. I did not realize this lawsuit also included Identity Theft Services. I believe that I was charged approximately {$11.00} a month for Identity Theft Services for years and I should have been part of the suit, but apparently I missed the deadline to file a claim. I learned about the Services Charges from listening to XXXX XXXX XXXX. So I have two questions. 

1 ) It's really not fair that I can not be included in the lawsuit, despite missing the arbitrary deadline to file a claim. Why can I not be included, and can I appeal this? 
2 ) I was also charged XXXX a month for some kind of Home Warranty Service that was discontinued last year. Why is this not being reimbursed? I haven't talked to the individual Wells Fargo branch about this, but I inquired with the WFSettlement contact, and they did not mention this type of service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 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:
I asked the company for a request that was two-fold ; submit my right to waive XXXX regarding communication with a third-party and second, to verify debt via signature, documentation, and information necessary to establish verification and validation of debt. The company submitted an account number with my name on it, which was not the necessary information requested to negate fraud concerning my identity as I am unaware of said debt.They continue to negatively report information without proof.

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 2018-08-30 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: NC

Complaint narrative:
XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's transunion credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his 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 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I subscribed to service for {$1.00} trial fee and cancelled subscription very next day. I was still charged {$27.00} for a full month.My card refused to refund my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This was an old credit card that i hav n't had for over 6 years. This account was 4 months over due back in XXXX XXXX i had lost my job and lost my grandmother and could not pay back then but its been pay now for a while. They reported to the bureau that they updated in XXXX XXXX. I dont understand why

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 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: IL

Complaint narrative:
On XX/XX/2018 and XX/XX/2018 I notice AD ASTRA RECOVERY SERVICES balance {$330.00} on my XXXX XXXX XXXX XXXX credit report. I faxed over a letter requesting a contract bearing my signature to support this claim. I do not recall any account with this company. I would like this account remove due to the company failure to provide me with verification agreeing to this account with AD ASTRA RECOVERY SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted your company regarding XXXX XXXX being reported on my credit file. yet it still remains. Please Remove this account in the amount of XXXX immediately. I have attached documents from XXXX stating that it should be 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 non-monetary relief