vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Today, using my home computer, I attempted to request an annual free copy of my credit report from each credit monitoring company - XXXX, XXXX   and TransUnion. So my first step was to log into XXXX  's webpage which in turn routed me to " XXXX ''. I was given the option of selecting all three credit monitoring companies, once I was on the web screen for XXXX XXXX - for which I selected all three. While I was able to view and print a copy of XXXX  's credit report I was not so fortunate with XXXX  nor TransUnion. Upon completing the XXXX  segment the software skipped right over XXXX and went directly to TransUnion. After the TransUnion credit report was pulled up, and before I'd had an opportunity to review it on screen, while I was trying to figure out how to print a copy of the TransUnion credit report I was kicked out of the system with no apparent way back into 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 2019-02-12 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: Army and Air Force Exchange Service
State: HI

Complaint narrative:
The XXXX XXXX XXXX ( XXXX ) web-site used for managing and scheduling online payments has been and continues to show false information that lead to confusion and ultimately to some of my scheduled payments being late. The initial reason is that they simply don't process payments on the dates that you actually schedule them. So when they do eventually ( 5+ business days ) process  scheduled payments, in my case the funds were no longer available in my checking account. 

The next problem and my biggest issue is that their web-site still shows these scheduled payments as " Posted '' which is misleading and inaccurate because in the end the payments were not actually cleared and processed. This misinformation on their web-site directly resulted in my not catching the issue in-time to prevent a 30+ day late payment. It wasn't until I noticed the minimum monthly payment amounts were literally doubling month over month that I researched the issue, looking over bank statements, etc. and identified this major issue with their web-site. Even their automated phone systems provided the same ( false ) information when I first called to inquire. 

I've been in contact with a " Disputes Team '' since XX/XX/2019 about the matter, who are only available for contact via email. I've requested that they acknowledge this issue with their web-site as a contributing factor to my payments being late and remove the hit to my credit report but they refuse to accept any responsibility. 

Since identifying the issue, I've brought my account current by scheduling payments through my own bank 's " Bill Pay '' system to ensure timely payments, which has worked perfectly. Unlike the XXXX web-site, my bank actually processes the payment on the day I schedule it so I don't have to worry about balancing my checkbook on a daily basis just for this one particular vendor that takes an exceedingly longer time than any other merchant to process a scheduled payment.

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 2019-02-12 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: FL

Complaint narrative:
To Whom It May Concern : Under the Fair Debt Collection Practices Act have previously sent Equifax a request to investigate an alleged debt by On Line Information Services on my credit report Equifax simply replied that the account is verified but did not provide the validation to me that was needed to determine if this was actually an accurate claim. I then personally contacted the Collection Agency XXXX XXXX XXXX XXXX   and asked for valid verification that this debt was mine. I knew I didnt miss a payment to the power company, for obvious reasons they are always the first bill I pay. All I received from the Collection Agency were term dates of XXXX XXXX spanning back from XX/XX/XXXX to XX/XX/XXXX and the alleged charges they claimed I owed {$170.00}. They had nothing to show me that could verify I owe anything. After a bit of research, it was determined that this does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. This inaccurate, incomplete document contains no accounting of any payments made nor missed, nor the dates on which those payments were made or missed. There isnt even any documentation with my signature on it that proves this is even my account at all. This information could have easily been drawn up and sent by anyone or simply created in human error. Their verification document in no way provides sufficient verification of this alleged debt. There isnt any legitimate, verifiable proof that I owe anything to their Company, because I dont. 

This collection on my credit reports are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} FCRA violation fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if this is not deleted from my account within 15 days. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My daughter has a loan with Sallie Mae. I am a co-signer. Times are bad so we did fall behind on the payments. I am helping her by making catch up payments for her account. In XXXX I talked to Sallie Mae loan dept to tell them of this. They kept asking for more payments as we spoke saying they did not receive recent ones. I told them I can not, but will continue the monthly pay. Tho they repeated they did not receive my last payment, my bank records did show the pay went thru. The staff was either lying or ... ..On XX/XX/2019 Sallie Mae called my wife, -- 5 times in 3 minutes -- son, brother and sister in law -- not even same last name -- to tell me to pay. BUT ... did NOT try to call myself or daughter. Shrug? Sallie Mae calls show on caller ID as unavailable. calls come on weekends but when trying to call back says only open Monday thru Friday. This tactic is harassment and will not result in my ability to afford to repay faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I co-signed for my son-in-law 's XXXX Honda XXXX on a 3-year lease in XX/XX/XXXX. On the lease application, I submitted my home address and phone number that was different from my son-in-law 's address and phone number. Apparently, he was late in making payments but Honda did not notify me of this by mail nor by phone. It wasn't until I saw it on my credit report in XXXX as a negative inquiry that I learned of his delinquency. I contacted Honda in XXXX, explained that I had not been given notice nor the opportunity to pay the debt myself. They told me that Honda considers co-signers to be " co-applicants '', and that they didn't have to notify me of the delinquency. They refused to remove the negative mark from my report. In checking my credit reports recently, I see that Honda re-reported this negative inquiry in XX/XX/XXXX. It has been almost 8 years since I co-signed this Honda lease in an attempt to help my son-in-law. Since then, he has turned in the lease for the XXXX, paid in full, closed the account and received approval ( without me as co-signor ) for a new XXXX Honda XXXX three-year lease which he has since turned in, paid in full. 

How long can Honda continue to make my credit rating suffer? Again, I just contacted XXXX XXXX XXXX to request removal of this negative mark from my credit report and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a XXXX year old XXXX individual receiving social security XXXX. I attempted to take advantage of a program within Medicare/XXXX  called XXXX XXXX that allows individuals to attend health centers free of charge from my health insurance. The facility called XXXX XXXX  is located in XXXX XXXX, Florida. 

While signing up for for XXXX XXXX  one of the managers offered me to join a separate fitness program that would help with my XXXX in my XXXX and XXXX. The plan consisted eight sessions a month for a hour a session totaling eight sessions a month which would cost {$150.00} per month. He also said that it wasn't contract and i could stop whenever i wanted. So i decided to sign up thinking that If i didn't see any meaningful progress I could just stop. 

After giving him my Capital one credit card and swipped it he then informed me I was responsible for three months of sessions at {$150.00} per month. I protested and that he said the program was not a contract and I could stop anytime. He refused to cancelled the fraudulent agreement. 

Immediaately I called Capital one to cancel the credit card payment.The representative at Capital one asked me if the contract agreement say that I had thirty days to cancel. I read the agreement it did state that i had thirty days to cancel.. The Capital one rep. said there was nothing else I needed to do but just wait for my credit care to be credit back the $ XXXX.About a later Capital one sent me a letter swhich i have in my possession, saying the 1 {$150.00} was credited bak to my card. 

About a month later Capital one sent me another notice stating the {$150.00} was reapplied back to the merchant an an additional {$300.00} would be credited to the merchant because, " the merchant provided other information that ruled in the merchants favor., When I asked Capital one to provide me with the " other information '' they tell me anything concrete and I was referred to to an 17 page  document they sent me telling me nothing. 

I feel I am a victim of deception, misrepresentation, and fraud by both Capital one ad XXXX XXXX. As a remedy I want Capital one to credit my account back the {$450.00} they are charging me. 

If any other documentation proving my case is required I can mail or fax you the documents as soon as possible ... .. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: VA

Complaint narrative:
Student Loans with stipends have not been dispersed, but we are being charged interest. We are not being provided any information about where our money is, other than we are in " receivership. '' The receiver does not have our money, but evidently it has been distributed by the Department of Education, but it has not been filtered down to the students. Students are being evicted from homes, cars are being repossessed, credit cards are not being paid ( meaning credit is being hurt ), people can not afford food or electricity. We need answers and help now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: AES/PHEAA
State: MD

Complaint narrative:
I have multiple student loans that were provided by XXXX XXXX XXXX. However, last year these accounts were consolidated through another loan servicer and should reflect as such. When I pulled my current 3 bureau credit report I noticed there were many late payment alerts that flagged to my account based on the loans. They accounts ranges dates from XX/XX/XXXX-XX/XX/XXXX. I was in school from XX/XX/XXXX-XX/XX/XXXX. I am not sure why these late statuses were reported but I would like to get them removed from my credit report on all XXXX XXXX Accounts to ensure it is not effecting my credit score. I would like to also request to remove the account if there is no longer any balances on the accounts. 
I will submit a dispute as well from the credit bureaus side.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
My daughter and I were purchasing a house. On XX/XX/2018, the closing attorney requested a wire transfer in the amount of {$28000.00} for the down payment. We went to our local XXXX XXXX branch. At the time we were negotiating the wire transfer, my daughter presented a new set of instructions she had received. The bank associate executed the wire transfer without verifying the information. Within two hours we became aware that it was a fraudulent set of instructions. We immediately went to the branch and were told there was nothing they could do to stop the transfer. They would report it to the Fraud Department. A week later the XXXX XXXX Fraud Dept. called for details. In the mean time, we reported the fraud to the FBI and the XXXX XXXX Police. A detective at the Police Department called a contact at the Discover Bank and immediately got the account frozen. At that time there was still approx. {$21000.00} in the account. It has now been 10 months and I can not get the Discover Bank to give me my money back. I call XXXX XXXX and they say Discover Bank has not sent them anything. I called Discover Bank and they won't talk to me, so I got the closing attorney to call and they told him we have to go through XXXX XXXX. Why can't I get my money returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12 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: DE

Complaint narrative:
My Credit History with XXXX and Experian have been noted with inaccurate information which both companies after hours of communication and attorney letters refuse to correct and fail to protect the US consumer as all parties have either closed the debt complaint and or agreed it was fraudulent charges made by stolen information.

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 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
see attached. 

This homeowner purchased this home in XX/XX/2001. The home has been in forclosure. on what appears to be on a yearly bases. There is documentation on this home that this consumer has its to large to forward by this process. 

Consumer has Proof of Claims on the property.

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 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: MI

Complaint narrative:
Discriminatory and predatory lending practices. Issues with proof of income were compounded and delayed by lack of follow up on part of mortgage officer. 
Documents requested by XXXX  were not reviewed for accuracy before being submitted to underwriting. No follow up on part of XXXX anytime borrower called or texted XXXX claimed to be busy with something and unavailable to talk. Loan closing disclosures not providing accurate information despite multiple requests from customer for corrected information. No response from management regarding customer complaints submitted via phone and email. Mortgage officer indicated that he was made aware of customer complaints. Customer believes that mortgage officer intentionally delayed handling of mortgage documents and customer communication as retaliatory response to consumer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I was denied credit on XX/XX/2019 by XXXX  due to a credit report they received from XXXX XXXX. My credit score, according to XXXX, was XXXX  out of XXXX, when I have credit scores ranging in the high 600s to low 800s with the major nationwide credit bureaus ( XXXX, etc ). I have contacted XXXX  repeatedly to obtain the free credit report I was promised in the denial letter, but continuously get a recording asking me to leave my name and number for a call back ( latest call XX/XX/2019 ). XXXX  does not allow me to request the credit report online ; other than by phone, they ask me to send by fax or regular mail my social security number, drivers license, and other sensitive material that I am not comfortable sending by fax or mail. I am not sure when I will ever be able to fully review and thus dispute my credit report with them. This complaint is primarily about XXXX, but also I don't believe that XXXX XXXX   should be using such a company for their credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
dear CFPB : This is in regards of a collection agency that keeps calling me and also they wrote me a letter dated, XX/XX/XXXX and my Answer to them was a letter dated, XX/XX/XXXX. on or before the 30 days as per Federal Laws dictate I was in the Hospital on : XX/XX/XXXX, until XX/XX/XXXX. ( 3 dais ) The collection agency is asking me to pay XXXX.. MEDICARE my insurance Company already PAID the Hospital over {$38.00}, over my staying in the hospital and also my 2 times in the Emergency Room. MEDICARE PAID THE HOSPITAL ALREADY. I request as per State and Federal Laws to please to ask the collection Agency NOT to CALL ME any more. Also Not to Threat me any more and not to Harras me any more. Again the Hospital was paid in full bye MEDICARE. My 3 days inside the Hospital and my 2 Times in the Hospital Emergency Room. I request to please to the collection company not to communicate with me at all. If They have any questions or concerns They can get in touch with my Lawyer. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours..

XXXX ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
On XX/XX/2019 I notice that XXXX XXXX XXXX was reporting on my XXXX, XXXX, and XXXX  Credit Report an amount of {$660.00}. I send a letter requesting a signed contract with my signature due to me having no acknowledgment of this company or account

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 2019-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Creditor/Collection contacted myself but failed to send required documents proving validation of debt within 5 days and now sent an email threatening numerous illegal procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
They have put this on my credit report despite it being discharged in my Chapter XXXX. They have never contacted us in writing.XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX

Company response to consumer: Closed with explanation