vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I had a credit card with American Express for 6 to 8 months. Since I was working on a project for my business at some point and time I would lend money from the credit card to a client until they could repay me. American Express called inquiring about my business dealings, I supplied the necessary documentation they needed to satisfy their inquiry. Then randomly months later, I received an email stating they closed my account amd I owe the full amount, a little in excess of {$7000.00}. They did not give me a reason. Then I paid a portion right away to show good faith that I am working with them to pay off what I owe. I have been in communication with them about payments, so their next action was completely uncalled for. I received a text message from my brother that American Express had reached out to him but addressed to me in the voicemail to me telling me to contact them in regards to my account. That is none of his business, nor anyone else, and it forced me to respond to him about my own business in which I was very unhappy about. When I called American Express complaining they said it was the alternate number to comtact me - which is completely false I never provided my brother 's phone number for them to contact in regards to my account. I told them that I believe that is unfair and poor business practices especially since I have been in communication and working with them in good faith on my part. Not to mention they call me 3 times a day which is a huge disruption to my day. I would understand their situation more so if I was completely ignoring or throwing in the towel on what I owe however that is not the case and I believe I have been treated very unfairly in the situation given I have not been given any reasons why my account was closed from the beginning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I'm having problems mainly with Bank of America. The issue is that there were back payments owed to me through XXXX XXXX XXXX XXXX that I had difficulty getting.

When it was finally resolved, {$790.00} was put on a debit card that was issued by Bank of America apparently in XX/XX/XXXX that I did not know existed or receive in the mail, and can not gather any information or access to this account from Bank of America. However the most recent claim of {$290.00} was sent XX/XX/XXXX by direct deposit to my regular checking account at Bank of America as I had requested. 

My issue is that the soonest that I could get a new debit card sent is this Friday the XX/XX/XXXX, which is coincidentally the same day that my next car payment is due at XXXX XXXX XXXX and has already lapsed once while I was trying to get the XXXX claim processed. 

I can't rely on the card to arrive at the address on time because it is my ex-girlfriend 's mom 's house and she has lost several credit cards that I had mailed to me before now and need the money transferred to my regular bank account, from the Bank of America account created for me by XXXX in XX/XX/XXXX. 

I was also having difficulty discussing eligibility of back payments from XXXX for XX/XX/XXXX because I couldn't get the claims processed and ended up returning to work before ever getting that resolved. 

I've run into every issue possible dealing with all of these agencies so any assistance here would be greatly appreciated. 

Thanks, 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 2018-05-17 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: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
I really hope you can help me. XXXX and XXXX reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with Cavalry Portfolio Services that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 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: NV

Complaint narrative:
I really hope you can help me. Experian and XXXX reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with XXXX XXXX XXXX that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.

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 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
Hello, I transmitted XXXX $ to recipient in India via Remitly ( https : //www.remitly.com ) on XX/XX/XXXX. Money was supposed to recvd by recipient with in 24 hours.

As of now, XX/XX/XXXX, recipient still has not received the money.

I called them about the customer service, they asked me to provide them with bank statement which was provided to them on XX/XX/XXXX.

I have been repeatedly calling them almost every other day ( plus I have emailed them ), all they tell me is, that they are waiting for a reply from their partner bank.

I have asked them to provide me a number of someone sitting in USA, they have not provided me that.

I have asked for a refund, but again the same answer, that they can not do anything till they receive a reply from partner bank.

I really don't know what to do for this is customer harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I obtained a copy of my credit reports and noticed that XXXX XXXX was reporting a derogatory entry to the bureaus. Prior to this date, I had not received any documentation from this company informing me of the alleged debt. To that end, I drafted a dispute letter to them ( see attached ) whereby I was in essence disputing the validity of the alleged debt they inserted on my credit reports. I requested that they provide me a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges, and date of charges posted, copies of any papers that show I agreed to pay what they were alleging I owed. To no avail. I did not receive any communication from them. 

In XX/XX/XXXX, I again disputed this account with Convergent requesting they provide the aforementioned information. Again, to my dismay, I did not receive any correspondence from the company. I then disputed with the bureaus again, only for the accounts to be verified. I am confused on how the bureaus are able to receive a response from them but I am not. My communication was sent certified with a return receipt and they have been in receipt of both letters, yet choose to not respond. 

These entries appear to be unverifiable, untimely and inaccurate ; therefore, they should IMMEDIATELY BE DELETED FROM MY REPORTS!

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 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I send Aargon a letter asking them to validate some debts that are on my credit from them the end of XX/XX/XXXX I never rd recieved validation and they deleted these debts but added them back in XX/XX/XXXX without 5 days notification of reinstatement. Some debts came back on certain credit reports. The dates that were reporting on are now XX/XX/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 2018-05-17 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: GA

Complaint narrative:
Letters were sent out to the credit bureaus.The following accounts are reporting on my credit file incorrectly XXXX   XXXX XXXX {$22000.00} XXXX XXXX XXXX {$440.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00}

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 2018-05-17 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: GREAT LAKES
State: OH

Complaint narrative:
this is a continuation to the complaint that CFPB just closed. The Federal Student Loan stole over {$600.00} from me by applying to take that amount from my Federal Tax Return for XX/XX/XXXX that I was due back this year. They sent you, CFPB the paperwork stating as of XX/XX/XXXX I only owned XXXX to pay off the loan and yet applied to the Federal IRS and took over XXXX of my federal tax return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with GE Retail Bank ( XXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against GE Retail Bank ( XXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us  here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my Lowe 's and my HH Gregg remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but GE Retail failed to pay the accounts off. I was told of " Account Protection '' should I become unemployed, death or ill. Sound familiar I was one the millions of  consumers GE Retail ( XXXX XXXX ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as GE Retail is up to it's old tricks. The accounts have reappeared as XXXX XXXX and Synchrony Lowe 's. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop GE Retail Bank ( XXXX XXXX ). My family and I only have our credit which has been ruined by GE Retail refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that GE is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that GE Retail is following through on the Court Order?

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 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I used XXXX through my Wells Fargo account to pay a person with an account at XXXX XXXX. This person using their XXXX account committed fraud and stole {$200.00} from me. 

My complaint is against Wells Fargo, XXXX and XXXX XXXX. Wells Fargo and XXXX own XXXX. 

My case is EXACTLY as those described in the recent XXXX XXXX article on XXXX and their significant issues with fraud. XXXX  : XXXX On the night of XX/XX/2018, I sent money to a person advertising concert tickets on XXXX. I paid them {$200.00} through XXXX on the Wells Fargo website. The person I paid had a XXXX account linked to their XXXX account. The tickets were counterfeit. 

I immediately called Wells Fargo. The Wells Fargo website listed the transaction as " Pending. '' The Wells Fargo representative said that is incorrect ; the transaction was instant and nothing can be done. The WF representative then told me the XXXX account which had committed the fraud was linked to a XXXX XXXX account. The email associated with the XXXX account at XXXX is XXXX I have called Wells Fargo, XXXX and XXXX. They refuse to explore or investigate this case of fraud. Wells Fargo and XXXX say it is XXXX 's responsibility, XXXX says it is the bank 's. The joke is the banks own XXXX. None of them have any interest in resolving this issue. NONE OF THE COMPANIES HAVE A MEANS TO FILE A DISPUTE, COMPLAINT OR FRAUD. How can that be? 

XXXX and it's owners, Wells Fargo and XXXX have repeatedly told the press they will do everything they can to help reduce this significant fraud problem. Yet all three have systematic procedures that prevent just that. 

XXXX XXXX XXXX XXXX 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 2018-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loans were transferred to Nelnet on XX/XX/XXXX.

My monthly payments immediately increased by {$300.00} even though I was still in an IBR repayment plan ( re-certification was due at the end of  XX/XX/XXXX ). Nelnet instructed me to submit a request to have my IBR plan recalculated immediately, because the IBR plan with my prior servicer was supposedly not available with Nelnet. Nelnet informed me that the review process could take 3-4 weeks. 

On XX/XX/XXXX, I submitted a complete package to XXXX XXXX and Nelnet. 

On XX/XX/XXXX, XXXX XXXX approved the request without requesting any additional information. 

On XX/XX/XXXX, Nelnet informed me that my application can not be processed because the " because the signature on the application was not a valid electronic signature. '' This statement is patently false because Nelnet accepts electronic application submitted through StudentLoans.gov, which would be electronically signed. Moreover, the IDR plan request does not prohibit electronic signatures or require a wet ink signature. 

Nelnet is deliberately delaying the re-certification process to cause borrowers to make a higher monthly payment and to generate fees via forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Dear XXXX XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XX/XX/XXXX in XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX 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 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I lived in the retreat XXXX for two years, I was never notified by this company that I owed them any money upon leaving the complex. 9 months go by and I see a pro collect account on my credit score which dropped it, I later received by mail their letter stating that I owe money. I called and attempted to settle the collection by paying half of it, she refused to take the money, or would she send anything to the credit companies letting them know I was never contacted about these fees from the retreat or them. I would like this complaint, to get this collection removed from my credit because I feel they are using my credit line to collect money from young college students.

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 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Asked various times for validation of this supposed debt to include original documentation showing I owe this debt without any response from debt collector. I have also sent disputes to credit agemcy whonsay they have verified but cant get any documentation from debt collector. Under FCRA they are required to provide original documents to prove I owe this debt and if they arent able to must by law remove supposed debt from my credit report as it is effecting me obtaining credit, auto loans, mortgage, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I applied for credit card at the children place store and I told the cashier that the address On my state ID is not correct .She stated to me no problem and I gave my right address to the cashier. I do not usually use the card .I made a purchase and the store was purposely sending my statement to the old address because they want to get interest.I have email associated to my account but they never send me email statement or statement to my new address. 
I was surprise to get the mail from them to my new address when I did change of address with post office. When I called them they then change the address but it has done great damage to my credit and I AS WELL PAYED INTEREST ON THEIR OWN ERROR WITH RUDE CUSTOMER SERVICE ON THE PHONE. 
The card is payed off and closed.. 
I never knew it hurt my credit till recently that I went for car loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.

Complaint narrative:
Since XX/XX/XXXX, Navient claimed that it was not possible to defer the loan because the U.S. Department of Education did not allow it. It is just no longer possible to take out federal student loans for enrollment at the deferment-only foreign university. It does not mean that the loan can not be deferred. 

In XX/XX/XXXX/XX/XX/XXXX, Sallie Mae Bank had exclusive rights to issue Federal loans to XXXX students. Sallie Mae Bank cheated the system and refused to issue XXXX XXXX   but private loans only, when XXXX was still eligible for XXXX XXXX. Navient is now the servicer for this loan. 

Last week, I sent complaints to Office of Inspector General ( ref # XXXX ) and FSA Feedback System. The XXXX said that the students that stayed at XXXX to finish the education can still get deferral. FSA Feedback System also advised that CFPB should directly handle the case. Navient must not be allowed to keep on closing a CFPB complaint by just sending in a response without taking action to solve the problem.

Company response to consumer: Closed with explanation