vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol one recently started allowing the transfer of their reward points to airline frequent flyer programs. Their points are valued by capital one at XXXX cent per point. I currently have XXXX points and change. Capital one sent me an email advising me of a unique opportunity to transfer to emirates airlines. Checking that they had a flight available for my dates, I initiated a transfer of XXXX miles. a day later I discovered that capital one reversed my transfer and restricted my online access. I was informed I needed to send the following pieces of information : Drivers license, SS card, Utility bill and Frequent flyer account screenshot. All of which was done immediately. Multiple representatives informed me of a XXXX - XXXXXXXX XXXX  resolution time to verify my identity and restore access. This was as of XX/XX/XXXX. It is now XX/XX/08 and I still don't have any resolution. Capital one keeps on informing me that they're reliant on a third party vendor to verify documents and until then they can't get the back end team to lift the restrictions. I can not use my credit card for any purchases in the meantime, nor can i manage my account online. Capital one has informed me that this may take as long as 4 months. I am flabbergasted that I can be subjected to such apparent abuse by a financial company who clearly is looking to get customers to forfeit their points rather than have customers redeem it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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:
Greetings, I have disputed inaccuracies on my credit report with XXXX, Experian and XXXX as well as XXXX. XXXX removed the inaccuracies due to identity theft/fraud to which a police report was provided to ALL credit bureaus. However after several disputes to XXXX, Experian and XXXX  all has stated that the information has been verified. I have additionally sent letters asking for their method of verification, and the only response received is that the information is verified. I have contacted XXXX as XXXX  is their 3rd party vendor, verifying said information, to which I received a letter from XXXX that that the inaccurate information was removed as well as they provided me with an updated 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 2019-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
Following a previous CFPB complaint that I filed which disputed the amount of qualifying payments I had made toward PSLF forgiveness, XXXX XXXX, on XX/XX/XXXX sent me a letter with the corrected number of qualifying payments I had made toward PSLF forgiveness. 

The amount of qualifying payments I made was 59, through XX/XX/XXXX. I have made timely, qualifying, monthly payments toward my student loans every month following. 

On XX/XX/XXXX, I filed another annual employment certification to ensure XXXX XXXX   was accurately tracking my qualifying payments. In the letter, I advised that I had made 14 payments between XX/XX/XXXX and XX/XX/XXXX. When adding these 14 payments to the previously certified 59 payments, the total equates to 73 total payments. I requested XXXX  XXXX  notify me if this information was inaccurate. 

On XX/XX/XXXX, XXXX sent me a PSLF payment tracker advising that I had made 67 payments toward my subsidized student loans and 68 payments toward my unsubsidized student loans ( rather than the correct 73 number for both ). 

On XX/XX/XXXX, I contacted XXXX XXXX  to explain the entire aforementioned situation to them. I was told that there was an error, as they had changed to a new software system. She advised that she would put in a recount request. 

On XX/XX/XXXX, I had not received any update from XXXX XXXX, so I then contacted them to get a status. The representative advised me that the status was still pending, over six months later. 

At this point, after already filing one CFPB complaint regarding XXXX  XXXX  's inability to properly calculate my qualifying payments, I feel helplessly frustrated that CFPB does not follow its own admissions and conclusions regarding the correct number of qualifying payments that I have made. Additionally, a request to recount payments that is still pending over six months after being initiated is beyond egregious. In a converse hypothetical situation, how responsive would XXXX   XXXX be if I had failed to make any payments for six months?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Greetings, I have disputed inaccuracies on my credit report with XXXX, XXXX and Transunion as well as XXXX. XXXX removed the inaccuracies due to identity theft/fraud to which a police report was provided to ALL credit bureaus. However after several disputes to XXXX, XXXX and Transunion all has stated that the information has been verified. I have additionally sent letters asking for their method of verification, and the only response received is that the information is verified. I have contacted XXXX as XXXX is their 3rd party vendor, verifying said information, to which I received a letter from XXXX that that the inaccurate information was removed as well as they provided me with an updated 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 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company failed to honor promotion and now fails to return any calls to address issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 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: TX

Complaint narrative:
I filed a CFPB claim but the response was sent to an auto finance company. THIS IS NOT A DUPLICATE COMPLAINT!! Equifax and XXXX are reporting incorrectly on my credit report a collection that originated from XXXX. This account was sold to an unknown third-party and now there is a collection showing up on my credit report for {$560.00}. ( Please see page 19 of the attached credit report ). I do not believe I have ever had a XXXX account. If this account is mine then it has been over 7 years and is beyond the statute of limitations. Please remove this tradeline from my report. This incorrect reporting is a violation of the Fair Credit Reporting Act and is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
SOMEONE ORDERED A NEW TD BANK CREDIT CARD AND TRIED TO SEND It TO ANY OTHER ADDRESS THAT WAS NOT MINE. ONCE THE CARD WAS CANCELLED I WASNT ABLE TO SEE It ON MY ONLINE PROFILE ANYMORE TO MAKE SIMPLE TRANSFER PAYMENTS AND I WSNT NOTIFIED. I HAVE HAD THE CARD OPEN SINCE XX/XX/2016 AND NEVER MISSED A PAYMENT. I HAD TO GO INTO THE TD BANK BRANCH TO VERIFY MY ID AND THEY ORDERED ANOTHER REPLACEMENT CARD AND CHANGED/VERIFIED MY INFORMATION. I DIDNT HAVE A CARD AND WASNT ABLE TO USE FOR 2 MONTHS. I PULLED MY CREDIT TODAY AND ITS SHOWING UP AS A LATE PAYMENT BUT I HAD ALREADY MADE A PAYMENT AT THE BRANCH OFFICE AND THEY TOLD ME It WOULDNT SHOW UP AS LATE BECAUSE THEY DIDNT HAVE THE RIGHT ADDRESS ON FILE TO SEND THE BILLING AND THE OTHER CARD WAS ISSUED OUT OF FRAUD. ALSO BECAUSE OF ALL THE WRONG INFORMATION AND CONFUSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Self Lender Inc
State: PA

Complaint narrative:
I signed up for self lender today and thought i understood that each account only 12 months. However I read the confirmation email and it said 24 months. I called self lender and tried to explain that i misunderstood their website and wanted to subscribe to the 12 month plan, even though its higher monthly amount. I spoke with a XXXX, who unprofessionally shortened her name to XXXX when i asked to speak to a manager. XXXX told me that it was pretty much my fault and they don't refund the {$9.00} service fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I communicated with two different agents at the XXXX XXXX XXXX collection agency about a prior XXXX account. I called to inquire about the date that they are reporting my account was opened. According to my XXXX credit report, they are reporting that this account was opened XX/XX/XXXX. This account was opened in XXXX and did not enter delinquency until XXXX. This is considered " re-aging '' and not only violates federal law, but it goes against the Fair Credit Reporting Act. When I spoke to the female agent she said that I was wrong and it did not go against FCRA. I let them know that I was calling to report the error and if it is not corrected I will be contacting an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We tried using our credit card, BofA, the week of XX/XX/XXXX. Started at a restaurant, was declined for about {$65.00}. I sat there and waited about 5 minutes to talk to the fraud dept. and they said there was nothing wrong with the card and it was XXXX to use, so we tried again and it went through. Walked across the hallway to a clothing store, declined again for about {$25.00}. I called from that store, on hold for about 15 minutes, they said there was no reason it was denied and to try to use it gain. We walked across the hallway to a jewelry store, again was denied for about {$600.00}, called and waited about 25 minutes this time for a fraud rep., she said there was nothing wrong with the card and I insisted to speak with someone else. The new rep said she saw that I should have received a text asking if the purchases were correct, I did not. She, like the other 4 said and insisted the card was now working and no more problems. I tried again at the next store for about {$42.00} and it was declined again, this time the fraud rep said the cards were deactivated but could not tell me by who or why but that they were fixed and I could use them.I ended up using my XXXX credit card for all the purchases that were declined except the restaurants. 
I insisted on a letter stating all my problems and why they were caused and she told me I would receive a letter in the mail with in 10 days. Of course received nothing. 
Today. XXXX, tried using our same card again, ( we have had no problems the last several weeks using it ), the card was declined again at a car wash. I called and spoke with 2 different fraud reps, saying someone had deactivated both our BofA cards, could not tell me who or why, could not give me to anyone else to talk to about why that happened again and that they sent us 2 new cards XX/XX/XXXX, when we just received a new card 2 weeks ago. They are extremely frustrating and seem to just close accounts for no reason, or at least their reps say they have have no idea why any of this was occurring.We have a $ XXXX line of credit and at the most use about XXXX a month and pay it off every month. And no matter how many times we were declined, we did not get any tects telling us, and eventualy did get 2 e mails way after the problems occurred.

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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: NH

Complaint narrative:
I have an account from a debt collector named Security Credit Services that is reporting a collection for {$1600.00} on my personal credit reports with XXXX, XXXX  and XXXX. This debt is not valid and per a dispute with the original creditor, the account was supposed to be recalled from the collection agency as of XX/XX/2019. As of XX/XX/2019 this information is still listed on my credit reports and came back as verified when I opened an investigation with the credit reporting bureaus. See attached for documentation from the original creditor that this debt is settled and should have been removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX charged through XXXX a balance transfer of {$10000.00} to my mother 's citibank credit card. They also charged on both my father 's XXXX and Citi card as well but I am focusing on mother 's card in this report. I reported the fraud to Citibank and they denied the dispute. They sent me to the Dispute department who also denied my report. 
In XX/XX/XXXX I also reported the problem to the FTC, VT Attorney General 's Office, Vt State Police and the XXXX XXXX XXXX. In XX/XX/XXXX I learned that the FTC tried XXXX XXXX XXXX XXXX Case number FTC Matter/File Number:XXXX XXXX I have reported the XXXX charges again to Citibank and we heard nothing from the company for months i.e. no cc statements were sent to my parents for a period of time and the fraudulent charges and interest continued to grow. My mother just received a letter from Citi dated XX/XX/XXXX stating her balance of XXXX was sold to XXXX XXXX XXXX XXXX c/o XXXX XXXX @ XXXX XXXX XXXX XXXX, SC XXXX XXXX. So basically Citibank denied/ignored that the FTC tried XXXX and that it is documented as a fraudulent company.They then sold a bogus debt ( dollar amount ) to the debt collector. My fear is that this has gone on with CITI for 3 years and now my parents will be harassed by this debt collection company.

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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I moved my services from one house to another with XXXX after we relocated to our new house as of XX/XX/XXXX. XXXX never cancelled my old account, and ended up trying to claim debts owed to an account that should have been closed and transferred in the terms of {$530.00}, including a {$200.00} " early termination fee '' ; which is interesting, considering that I was ( am ) still a XXXX customer, albeit with a new address and account number provided to me when I " transferred '' my service. I had conversations with XXXX on Friday, XX/XX/XXXX to reassert that the account should have been closed, and the account should not be in arrears. This was confirmed to me on XX/XX/XXXX. I was then contacted again by XXXX on Monday, XX/XX/XXXX, and again reasserted the fact that there was no debt owed on the account. This was confirmed by both XXXX ( Rep # XXXX ) and XXXX ( Rep # XXXX ) in the XXXX Billing department on XX/XX/XXXX. I then received a collections notice from Diversified Consultants , Inc. on XX/XX/XXXX saying that XXXX had referred me to collections for the " debt '' they said I owed on the account that should have been closed and verified no debt owed. I then disputed this collections claim with Diversified Consultants, Inc. with all of the above mentioned information. Diversified Consultants, Inc. then replied back to my dispute saying that they had " investigated and verified that the account information ... is accurate including the name listed on the account as well as the amount owed ''. I find this to be impossible, as I have multiple conversations confirming no debt owed on this account. And if it is possible, I still have no record of this debt myself, and no understanding of how Diversified Consultants verified this debt. I want copies of all information and documents used to " verify '' this debt. 
I'm now stuck dealing with a collections agent uninterested in rectifying my original collections claim, and a XXXX XXXX that has sold my " debt '' to Diversified Consultants, Inc. and has no record of my original disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a CFPB claim but the response was sent to an auto finance company. THIS IS NOT A DUPLICATE COMPLAINT!! XXXX and Experian are reporting incorrectly on my credit report a collection that originated from XXXX. This account was sold to an unknown third-party and now there is a collection showing up on my credit report for {$560.00}. ( Please see page 19 of the attached credit report ). I do not believe I have ever had a XXXX account. If this account is mine then it has been over 7 years and is beyond the statute of limitations. Please remove this tradeline from my report. This incorrect reporting is a violation of the Fair Credit Reporting Act and is harming my credit score.

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 2019-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Sales Consultant : XXXX XXXX XXXX XXXX XXXX So I was trying to go through a fresh start program with XXXX XXXX XXXX.. I received several phone calls and text messages stating that the program was and income based program and no credit check was involved. I was told that I had to be in XXXX by XXXX XXXX ... 

I have given this company all of my personal information. My identity is now at risk for this fraudulent advertisement. They are trying to legally steal my identifiable information. 
Someone please stop this company from stealing peoples indenture. 

They ran a hard inquiry on my credit after saying that the program was not based on credit. They came back and asked me for tags, titling and processing fees after telling me that the program was 100 % financing. 

They have wasted my money for travel to there office and my time. I asked them several times if I needed to bring any cash deposit and I was told no. 

Im a service connected XXXX and they would not give me my information back. I want this company sued and for them to release every customers information back to them.

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 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX, I called Bank of America phone number XXXX XXXX XXXX to ask for a cashier 's check of $ XXXX that was in still my business account the last time I spoke with BOA on XX/XX/XXXX. XXXX at that number told me she was putting that request in. I followed up after 3 days and on XX/XX/XXXX, XXXX said that the check for $ XXXX has already been sent by USPS. There were several calls I made after this where I got a variety of strange answers. Finally, on insisting that I talked to a supervisor to get a clear answer, I got XXXX on the line on XX/XX/XXXX. I had to tell her again what my request was ( meaning nothing was recorded on their system about past communications ). I said to her I wanted a cashier 's check for $ XXXX sent to me. She said she would expedite it. I made a follow-up call and spoke with another supervisor XXXX. I asked him to expedite it and put on the system in case I talk to another person the next time. 

This is the most exciting part.The third supervisor I spoke with was XXXX on XX/XX/XXXX at XXXX XXXX. He told me that the $ XXXX has been sent back to the originating bank XXXX XXXX in XX/XX/XXXX. ( Note : The originating bank for this $ XXXX was not XXXX XXXX I'm 100 % sure. Also, note that the last time I spoke with BOA staff was on XX/XX/XXXX and the $ XXXX was still there according to the staff. ) So I asked XXXX if I could get a statement as proof of where all the $ XXXX went. He vehemently said NO he would not give it to me. I said I wanted to know what was happening in my account for my tax return purposes. He still said NO. 

My question is : Is this bank exempted from being transparent? We expect politicians and public employees to be transparent but not banks? Why can not I get a complete picture of what happened to the funds that were in my business account? I need an authority to assist me in getting this information from BOA.

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