vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
My concern is why there is a discrepancy in the information that these companies use to create you FICO score. Ex. Credit age with XXXX is 6 yr. 1 mo-XXXX 4 yr. 3 mo. 
Credit Card use XXXX is 5 % -XXXX is 7 %. Hard Inquiries XXXX is 1-XXXX  3. Total accounts XXXX is 33-XXXX is 27. Shouldn't this information be the same? There is quite a gap in the FICO scores as well. XXXX is XXXX and XXXX is XXXX. 

I hope you can help me with this. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: P.S.C., Inc
State: WA

Complaint narrative:
Puget Sound Collections, XXXX XXXX is threatening and uses abusive language and harrasing calls at work. She always says to sign papers now or your get a lawsuit and go to jail.

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 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: FL

Complaint narrative:
This complaint is in regards to the XXXX XXXX prepaid card offered by NetSpend. I've earned XXXX XXXX miles for each of last 4 months, and they are suppose to post the reward to my XXXX account each month. However, this has not happened. NetSpend charges {$85.00} annual fee for this. It's a complete switch and bait. I've contacted them multiple times since XXXX, nobody ever follows up with 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 2018-10-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies regarding identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its been well over 60 days.

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 2018-10-03 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: PA

Complaint narrative:
My experience is very likely a common one, but it should not be. 

I am a XXXX XXXX. I am therefore, well educated, well paid. I have a good FICO score ( XXXX, yesterday ). 

Recently, I had moved to XXXX for a new job. I wanted to obtain Internet services and XXXX checks Credit score. ( a separate complaint is being filed in this regard ). Because my address obviously changed with the move I am unable to automatically unfreeze the credit freeze that I have with the credit reporting agencies. I was asked by XXXX to contact Experien to unfreeze my credit. 

I called the number provided, when XXXX  for " unfreeze credit, experien '' Whomever you are, no matter what your station in life, sometimes you have to call these companies that profit from the information that they collect about us, without our consent. I urge you to do what I did, XXXX, find the number, and try to call them. You will see how obfuscating, how remarkably, breathtakingly impossible to talk to a human being using that number. I tried calling 8 times, each time holding for nearly 25 minutes or so, trying to navigate the phone tree. Because I am trained as a XXXX, in fact I went through all the options that are given. In the end, the same recorded message comes : " we are unable to verify you. Please write to experien with blah blah.. '' Obviously, if one writes, it will take 10 business days or more, and then, another 10 business days to get a reply, if they ever do. So, I decided to give up. This is just to get internet, which, these days, is a utility. Even in XXXX, or XXXX XXXX, or in XXXX, it is much easier to obtain internet, without having to sell the flesh of our children to these companies. Why are the credit reporting companies in the US so uncivilized baffles me. 

Anyway, I am asking CFPB to investigate this issue and reprimand, and also take corrective actions against credit reporting companies. I do this, because, if I as a highly educated, resourceful person can't navigate their phone line, most of my fellow citizens absolutely can't. That is simply immoral. 

I propose a corrective action, so that reaching a human operator for credit freezes, unfreezes is simple and straightforward. For example, they can have a branch in the phone tree that says, if you recently change address, press x to reach a human operator. 

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 non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have previously disputed a car loan fraudulently opened in my name with Capital One Auto Finance via CFPB and FTC. CapOne has responded by sending me a copy of the contract they entered into with the suspect and the culprit payment history on the loan. I was not expecting that this would be sent to me as unequival evidence of my ownership of this transaction. CapOne said they investigated but disclosed nothing as to what that investigation entailed. They did not disclose what they did internally or externally to arrive at their conclusion that I definitively entered into this contract with them at the XXXX location stated on their document. I have now investigated this type of identity-theft transaction in particularly with CapOne and found that they themselves are very much aware of these types of identity-theft transaction at their company now and in the past. I can not and will not allow this transaction define who I am and credit worthiness today or ever. Therefore, I seek immediate relief from this erroneous account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: GA

Complaint narrative:
Upon looking at my XXXX, XXXX, and Experian credit file, I learned of a collection account from XXXX XXXX had been added. I have tried to reach out to this company through Consumer finance protection bureau and better business bureau in regards to this collection account. I have no signed  contract with this company. This account is not a validated account nor is this account verified. This is a non verifiable item that has been placed on my credit file causing my score to drop.

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 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Called me claiming I owe them for a past debt. And they refused to confirm if I am the debtor or not. And they refused to identify themselves. All they had is my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/2018, a total of four fraudulent XXXX Transfers were made from my Bank Account. The bank was notified and failed to act. At the time there were three transfers in the amounts of {$180.00}, {$200.00}, and {$490.00}. Following the call to the Fraud Department of my Bank, a fourth charge came through for another {$200.00}. Total fraudulent XXXX Transfers were {$1000.00}.

My wife and I have never used any money transfer service, so would have had no reason to accept or set up electronic fund transfer with our Bank. That said, there was a change to our account on XX/XX/XXXX18, the same day the charges occurred. These charges are related to XXXX Transaction XXXX and the receiving party email is " XXXX ''. This looks shady to me. 

I have filed a report with the XXXX Police Department. Case # XXXX. 
You may reach XXXX @ XXXX. In addition to XXXX, Complints are being filed with My bank and XXXX  XXXX, where the receiving account is held.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B of A made an offer for consumer rewards if I took out credit cards with them. As soon as I was approved they told me they were closing my account and were not granting the consumer points or credit they offered. I paid off the credit cards and now their sending statements that I have a balance for which they will charge interest. When I called B of A there Personnel were unable to tell me when or why they closed my account or how they were calculating a credit balance despite my having already paid it off. Their customer service representatives sent me to their credit collections where the person treated me like I owed them money.

I paid off all balances and was denied the consumer rewards offered when I opened the two cards This is consumer fraud And B of A is not answering my inquiries, rather they are treating me like I am a debtor

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 2018-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Critical Resolution Mediation LLC
State: MS

Complaint narrative:
I asked if collector could call me outside of work hrs but she insisted on sending legal papers to my house and job. Then hung up on me while on my cellphone and proceeded to call my job and asked who is this, saying " oh this is her '' " we have your driver 's license '' and then hung up again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
In XXXX my now deceased husband XXXX XXXX, paid off a line of credit loan with US Bank on our home at XXXX XXXX XXXX, in XXXX XXXX, Iowa XXXX. 
At that time US Bank sent him a letter acknowledging he satisfied the loan, it was dated XXXX. 
My husband XXXX died unexpectedly on XX/XX/XXXX. 
We purchased the home in XXXX. The first mortgage on the house was sold to XXXXXXXX XXXX long ago. After my husband of 46 years who had worked at XXXX XXXX for over 44 years died, I couldnt afford to pay the first mortgage with XXXXXXXX XXXX as my only source of income was and is my monthly social security check. 
After my husbands death in XXXX, my dilemma at that time was to either let XXXXXXXX XXXX foreclose on my home or try to sell it. The real estate market in XXXX in XXXX XXXX Iowa was stagnant. The house was built in XXXX and needed some work. 
In the fall of XXXX a XXXX VA Veteran who needed to live close to XXXX XXXX bought the home from me on a land contract. 
For the last five years the contract buyer has paid me, almost to the penny,  the exact amount of the monthly mortgage payment that I owe to XXXXXXXX XXXX. I then turn around and pay XXXX. 
Last month the VA agreed to give my contract buyer a VA loan for the home, allowing him to lower his monthly payment. He was approved and everything proceeded. 
Then a title search revealed a lien placed on my XXXX home by US Bank in XXXX was never released. Even though I have the letter stating that the loan was satisfied back in XXXX, US Bank will not send through a lien release to XXXX County Iowa. 
I have contacted a US Bank CSR at XXXX several times in the last week and they keep telling me that they have turned it over to a supervisor for review. They, US Bank, advises me to call back the next day, then the next day, same story every day. 
I am a XXXX year old widow living on social security and Im beginning to believe US Bank is discriminating against me by delaying releasing this old loan. Either US Bank has lost the loan paperwork or lost the money my husband sent to pay off this loan in XXXX. It has been over eleven years now and they are still refusing to release the lien or speak to me or my buyers lender. 
I have spoken to others who have had a line of credit with US Bank in XXXX through XXXX, and some before the banking crisis in that period, and several have said they have had the same troubles with US Bank not releasing liens on old loans and lines of credit.

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 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On a daily basis I am called by XXXX XXXX ( XXXX XXXX ) although they have been notified that I am with a settlement program to resolve my debt with them. They have started to leave the same messages on my husbands cell phone, my husband is not an authorized user on this card and never supplied his number regarding this account. 
The transcribed message is as follows : XXXX ( XXXX ) XXXX XX/XX/2018 at XXXX This is XXXX from XXXX XXXX in regards to XXXX XXXX, at this point my office has assumed that you are ignoring this matter and that you have no intent to provide a voluntary resolution so now I do need to speak with you or with your attorney no later than XXXX on Saturday XX/XX/XXXX so that way we can discuss the situation and come up with a solution. If I do not receive a call by Saturday then I am going to assume that you are not interested in options that I do have and that you were no longer handling any business herewith us my number is XXXX and my extension is XXXX. 
*These threatening calls are daily on both my husband and my phone. XXXX XXXX has been notified for several months that i am in a debt settlement and received notice that the debt settlement company has been given authority to deal with them on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/XXXX received a stipend check from the University I attend in the form of a Pell Grant. I brought it to Wells Fargo branch in XXXX XXXX Florida. My original intention was to cash the check however they wanted to hold it for 2 to 3 days and not allow me access to any of the funds until it was processed. I told the bank teller not to process the check and to give me the check back so I could bring it somewhere else. The bank teller showed me the computer screen that it said stop payment on my check and he gave me back the check. After I had went to another place to cash it I brought back the cash to Wells Fargo and deposited cash into my checking account. Now on XX/XX/XXXX I checked my bank account and I was negative - {$540.00} in my checking account. The bank said because of the teller error I was now responsible for the - $ XXXXand even though they realize they made an error at the bank and process the check without my consent I am still responsible for the money. They took all of my money out of my bank account and left me with {$0.00} in my savings account. I need some type of resolution hear the bank at Wells Fargo offered me no help. I should not be held responsible for a bank error and especially when I made it very clear not to process the check and Wells Fargo did it anyway. I understand that they added additional funds to my account and those funds were used however I had a substantial amount of money in my account at that time, I was not looking at my account every day to see how much I had. If those funds were never put into my account like I wanted and made very clear that I did not want it to be processed through Wells Fargo then I wouldn't be in this predicament. Wells Fargo is taking zero responsibility for the error they made. I have very little money as it is and for me to pay back something over {$500.00} is very serious for me. I've been a customer of Wells Fargo since XXXX and I've never done anything wrong with my account or had my account Falls so low into the negatives. I think that should at least be taken into consideration also. Now that they took all of my money I am at risk of being homeless because I can't pay my rent. They left me flat broke because of an error they made. I need some type of resolution. I was given a case number from Wells Fargo if that helps at all. It is 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 2018-10-03 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: CO

Complaint narrative:
I chose to get a parent plus loan for my daughter of {$3500.00}. It was time to repay the loan. I also had to reapply for income driven repayment plan and my payment went from {$250.00} to {$890.00}. When I called to ask why the increase was so high Navient stated that it was because I consolidated my loans with the parent plus loan. I explained to Navient that this was recommended by Navient. The CSR I  spoke with stated that I shouldn't have listened to the recommendation. I also was told that I could go to income driven repayment program but that it would eliminate me from the forgiveness plan which I have been a part of for over 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resolve Partners, LLC
State: NC

Complaint narrative:
I have sent in several letters asking the credit bureaus to validate the debt. I have yet to receive this from the company. I sent letters on XX/XX/2018, XX/XX/2018, and again on XX/XX/2018. 

On XX/XX/2018 my cousin told me that he found this on the internet : I did contact this company but I am not sure if this is the company that is reporting this info on my credit reports. They asked me for some of my personal information and I did NOT give it to them. I see that they have bad reviews. 

XXXX XXXX XXXX XXXX Open 2 on XXXX XXXX XXXX XXXX XXXX, XXXX, NC ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: TX

Complaint narrative:
Theyre removing good accounts XXXX and Transunion

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 2018-10-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
At the end of XX/XX/2018, Citibank forcibly closed all my bank account and credit cards without any notice or informe. I have {$680.00} remaning balance in my account can't be withdraw and transfer.I called Citibank customer service line and send them letters as they required many times, but I didn't get any respond. It's already been 3 months, Citibank still didn't refund my money.

In accordance with federal law, Citibank must notify me one month before closing my account, but they didn't.

I earned this {$680.00} by legally and resonable credit card consumption.Therefore, I demand Citibank release my money immediately.

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 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Received letter from Resurgent Capital Services claiming they were collecting a debt for XXXX XXXX XXXX for {$7200.00}. I called Resurgent on XX/XX/XXXX and told them I had previously received a similar Debt Collection Notice back in XX/XX/XXXX from XXXX XXXX XXXX XXXX and I told them this was NOT my bill, that I had been previously charged with this and each time I had proven it was not mine ( see related correspondence ). 
At that time, Resurgent Supervisor, XXXX XXXX informed me they also had a second Debt to collect for XXXX XXXX XXXX  in the amount of {$3800.00}. I told them XXXX XXXX XXXX had previously sent these same claims from two previous Debt Collection Agencies as well from XXXX XXXX XXXX themselves ( back in XX/XX/XXXX ) - and so I would now be seeking at least {$1000.00} per repeated claim from XXXX XXXX XXXX / Resurgent for these repeated false claims and continual harrassment. It has cost me a small fortune in all the Registered Postage with Return Receipts Requested - and the only time they stopped harrassing me is when I complained to CFPB the last time - and, thankfully, you managed to resolve it for me at that time. And so, instead of trying myself three times ( with NO success ) I will go straight to you this time and request your expert help once again. All supporting data - for these latest two claims - and the previous ones are attached. I take this opportunity to thank you in anticipation of your being equally effective this time too. 
Yours Sincerely, XXXX XXXX Ph : XXXX XXXX XXXX

Company response to consumer: Closed with explanation