vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-13 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:
I purchased a vehicle, the car lot farmed my SSI number for One purchase, now I have 8 hard injuries. The FTC law allows me to shop in a time frame for big purchases without being punished, Disputed and spoke with Equifax supervisor, refuses to remove. 


1. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 Auto Financing 2. XXXX XXXX, Inquiry from XX/XX/2017 Personal Loans Cos. 
3. XXXX  XXXX XXXX Inquiry from XX/XX/2017 4.  XXXX XXXX Inquiry from XX/XX/2017 5. Members First Credit Inquiry from XX/XX/2017 6.XXXX XXXX  XXXX Inquiry from XX/XX/2017 XXXX. XXXX Inquiry from XX/XX/2017 Personal Loans Cos. 
8. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: GA

Complaint narrative:
I continue to try to explain to the Navient Student loan payment center that I'm just not able to repay my loans. If I could I would. They continue to add charges to increase what is owed on my loans. I am living off of XXXX XXXX  XXXX. I barely have enough income to pay for daily living expenses. I continue to get calls or reminders although I have continued explaining my situation. My dream of becoming a XXXX XXXX was lost after having a car accident which basically took my life away, at least the one I worked hard to try to get. I just simply can not afford to make any payments. I need to have all of these loans forgiven if possible. I had excellent credit at one time and I now have horrible credit. This upsets me and the whole situation has also affected my XXXX XXXX. I am under the care of a XXXX. The more they continue to ask for payments always increases my XXXX   and XXXX XXXX. I'm just not able to pay these loans. My life changed dramatically after a car accident. I basically lost everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. 

I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! 

After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! 

They are using my credit report to input information without authorization for defamation purposes. 

I have open accounts being reported and the same account is being reported as closed.

In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.

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 2019-01-13 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: Ocwen Financial Corporation
State: OH

Complaint narrative:
After a house fire that i had in XX/XX/XXXX, I had home owners insurance with Owen which I paid and they did not found this out when I had a fire. They reinstated my policy then charged me to send my money to me. They kept XXXX dollars. While I was fighting for my insurance in XX/XX/XXXX XXXX had a freak storm and with out my sup pump to empty my flooding house it was finished and was commend. XX/XX/XXXX Ocwen filed for foreclosure proceedings. I had in fact paid of my loan. In XX/XX/XXXX in the court of XXXX my loan was in fact paid in full and on XX/XX/XXXX it was drooped and they had to pay court cost and everything else cause they lied. So instead of reporting on my credit report as paid in full they said it was a charge off.I want this corrected. It is a shame how the treat veterans and everyone else.

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 2019-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was purchasing XXXX 's XXXX tickets from a person on XXXX. I was on the phone with him and he fraudulent told me he would place the tickets in my XXXX account, he never followed thru with the tickets and I paid them thru XXXX. I am upset because I contacted Wells Fargo thru email/phone to follow up on their end since the transfer deposited it in a Wells Fargo Account. Wells Fargo was unable to give me any information for this person. I wanted to follow up with my local police since fraud was the intent. I can not believe in this day and age that we can not trace this transaction. I have been a Wells Fargo customer for over 25 years and I am extremely upset that this fraud happened to me. I am looking for reimbursement of {$320.00}, because I believe that Wells Fargo should stand by their customers to help that this matter does not happen over and over again to other devoted customers. I followed up with XXXX thru email and only got a response that someone would contact me, and they never called me. I can not believe that this can happen thru XXXX with no repercussions for the person being fraudulent. Please help me in this serious matter. 

____________________________________________________________ XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX {$320.00} Details Category : Other Outgoing Transfers ____New recipient added You added XXXX as a new XXXX recipient and can now send them money or requests for money. The email address, XXXX, will be used to notify this recipient of any money or requests you send them. 
To receive money or requests, XXXX must be enrolled in XXXX and have added this email address to their profile settings. 

Transactions typically occur in minutes between registered XXXX users. If your recipient is not yet registered with XXXX, the payment is typically delivered within minutes after the recipient completes registration. 

XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license. 
XXXX XXXX XXXX XXXX All Rights Reserved XXXX Dear XXXX XXXX XXXX Thank you for contacting XXXX XXXX Support. 
We will get back to you within 2 business days. 
For future reference your case number is : XXXX Regards, XXXX Consumer Support XXXX XXXX XXXX XXXX XXXX XXXX. All rights reserved

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 2019-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After a house fire that i had in XX/XX/XXXX, I had home owners insurance with XXXX which I paid and they did not found this out when I had a fire. They reinstated my policy then charged me to send my money to me. They kept XXXX dollars. While I was fighting for my insurance in XX/XX/XXXX XXXX had a freak storm and with out my sup pump to empty my flooding house it was finished and was commend. XX/XX/XXXX XXXX filed for foreclosure proceedings. I had in fact paid of my loan. In XX/XX/XXXX in the court of XXXX my loan was in fact paid in full and on XX/XX/XXXX it was drooped and they had to pay court cost and everything else cause they lied. So instead of reporting on my credit report as paid in full they said it was a charge off.I want this corrected. It is a shame how the treat veterans and everyone else.

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 2019-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I went to the emergency at XXXX XXXX XXXX   Hospital from a XXXX XXXX. The following month I received a bill of {$270.00}. I forwarded the bill to to owner of the dog because they said they will take care of the bill and they give me a check of the said amount and I took is personally to the hospital and it was settled on XX/XX/XXXX.  Since this payment was made I never ever received any other bill or calls letting me know of any unpaid billof {$280.00} at all. I have been working on building my credit by making all my payments on time for the past six years. Last year around XX/XX/XXXX I received an alert that my credit history had drastically gone down. I launched a dispute through XXXX   to determine what was wrong with my credit and they investigated and informed me that I had a bill that was not paid for XXXX XXXX XXXX Hospital. I called the collectors Common Wealth Financial Systems to find out about this said amount and advised me to find out from the hospital. Therefore I personally went to the hospital and they checked their records and said that I didn't have any unpaid bill unless if it was for the emergency physician Dr . They gave me a No. to call for physicians billing department. I called them and they also said that they could not find any unpaid bill with my name with them. I called the collectors and they explained to me that they were directed by a company called XXXX XXXX XXXX whom they claim were the purchasers of the physicians company. I asked if anybody called or wrote a letter to inform me of this unpaid bill of {$280.00} and they could not give me any answer. I was very absent and disappointed and asked them why nobody including the Common Wealth Financial Systems ( collectors ) nor XXXX XXXX XXXX ever informed me of this unpaid bill before they forwarded it to my credit report. The letter that was issued was after my phone conversation with Commonwealth Financial System for  collection which was to cover up that they wrote a letter earlier trying to recover the unpaid bill received after my phone call on the XX/XX/XXXX claiming the legal time had expired. In the first place how can they say they made attempts when I NEVER received any letter to inform me of the bill. This letter they just issued is the first I ever received. Why would they claim they made attempts and why could they issue a letter like they did after my phone call and after damaging my credit history. I have always paid my bills on time and this could not have been an exceptional. I need an explanation why nobody informed me of the said bill? Legally there should have been attempts either through writing or phone calls made informing me about the unpaid bill and to my dismay no efforts were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES
State: NY

Complaint narrative:
On XX/XX/2018, I mailed a letter to Great Lakes loan. In the letter I asked to make extra payments in exchange for the letter of indebtedness. The letter of indebtedness is the Mastery Promissory Note. I have doubts about this loan and whether or not it belongs to me. Great Lakes responded to my letter dated XX/XX/2018, informing me of the numerous options for paying the loan. Then Great Lakes loan suggested that I logon to student loans.gov to obtain the Mastery Promissory Note.

I did what Great Lakes loan suggested and I logged on to  studentloans.gov. I clicked on Mastery Promissory Note which read No Record Found. I mailed a second letter on XX/XX/2018, asking again for the letter of indebtedness ( Mastery Promissory Note ). Also I attached my results found on student loans.gov. Great Lakes response dated XX/XX/2018, saying they need clarification of what Im asking for. I believe that Great Lakes loan is giving me the runaround about the Mastery Promissory Note. I cant seem to get a straight answer with them. I want proof that I owe this loan. I want to see the alleged signature that I signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Inappropriate probably illegal handling of deposits via Capitalone App. 

Executive Summary, I proceeded to deposit a bank draft to my CapitalOne 360 Checking Acct, Deposit was successful as per their email communication instructing me to destroy the deposited check ( see Attached copy ), after 2 days the credited amount is debited, over the telephone they tell me " Bank refused payment ( of a bank check? ), they mail to me a copy of the check in their files ( see Attached ) that demonstrates a smear in the data transmission of the deposit via XXXX App, they request i resubmit deposit of the same check they instructed me to destroy ( again see Attached ), we continue over the course of 1 month through various escalations, to no avail - final position by a " XXXX '' that informs me they will not credit my checking acct. of the amount deposited for which they themselves sent me an email stating that the deposit was successful instructing me to destroy the check Bottom heavy infrastructure but " middle management '' as well in Customer Service with the arrogance of unchecked decisional power on one side. 
On the other inappropriate handling of deosited funds, amounts inappropriately withheld - for this I believe this body or FDIC should take action independently and above and beyond Capitalone communications with me Specifics : XX/XX/XXXX : deposit of check using latest version of Capitalone XXXX App XX/XX/XXXX : e-mail communication from Capitalone confirming deposit and instructing me to destroy draft ( see Attached ) XX/XX/XXXX : deposit reversed and deposited amount debited, no communication to client XX/XX/XXXX : first interaction with Customer Service, " XXXX '', I ask for copy of deposited bank check intheir files, which they send me by USPS ( see Attached ) XX/XX/XXXX : last interaction with Customer Service, " XXXX '', in which he informs me their decison will not be reversed, furnishing no rationale or explanation Again, above and beyond Capitalone interaction with me on this matter, as prompted by this complaint with your Office, I request this body to proceed with a formal assessment of CapitalOne actions in this matter, that amount to inappropriate appropriation of funds following problems with their software I thank you in advance for your interest in this matter Please do note that the 2 Attachments mentioned in the text above, in spite of being of accepted formats and sizes as per your instructions, do not upload to your site - do feel free to contact me as appropriate should you need any further info or the Attachements themselves - Capitalone obviously has them and i requested them to maintain these records Sincerely XXXX XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Bank : American Express Issue : False information about Balance Transfer amount while applying credit card I was looking for Balance Transfer of {$20000.00} and as I was already a customer of American Express, I spoke with the balance transfer department. They suggest me to apply American Express Blue card where there is promotion to get 0 % balance transfer for 15 month and If my credit card is approved, they will honor my request to do balance transfer of {$20000.00}. I applied and card got approved. Once I receive my card, I called the customer service and request to do balance transfer of {$20000.00}. I was surprise to see that they can not honor as they max limit of balance transfer for American Express is {$7500.00}. I request to escalate the false promises for {$20000.00} balance transfer and they file the escalation and assured that if it is an issue from customer service, they may consider my request of balance transfer of {$20000.00}. They file the escalation on XX/XX/XXXX After waiting for few days, I called again on XX/XX/XXXX to see any outcome. I spoke to Ms. XXXX ( ID : XXXX ) a supervisor and she told that it was wrong information provided by the customer service representative and they inform the customer service about it but they can not help me to provide more that {$7500.00} and will compensate {$100.00} if I do not report this case to Consumer service department. 

It was such a cheap service by American Express where they misguide the customer with there false promises and try to bribe customer to avoid complain. 

Most of the customer service representative does not know how to convey the balance transfer limit including Ms XXXX who consider to be a supervise and not serious about language confirming the request. 

I would request to take a serious action on American Express so they stop misguiding the customer by providing false promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
On XX/XX/2017, this debt for XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendrick Capital Partners Holding, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I went to the emergency at XXXX XXXX XXXX   Hospital from a XXXX XXXX. The following month I received a bill of {$270.00}. I forwarded the bill to to owner of the dog because they said they will take care of the bill and they give me a check of the said amount and I took is personally to the hospital and it was settled on XX/XX/XXXX. Since this payment was made I never ever received any other bill or calls letting me know of any unpaid billof {$280.00} at all. I have been working on building my credit by making all my payments on time for the past six years. Last year around XX/XX/XXXX I received an alert that my credit history had drastically gone down. I launched a dispute through XXXX   to determine what was wrong with my credit and they investigated and informed me that I had a bill that was not paid for XXXX XXXX XXXX Hospital. I called the collectors XXXX XXXX XXXX XXXX to find out about this said amount and advised me to find out from the hospital. Therefore I personally went to the hospital and they checked their records and said that I didn't have any unpaid bill unless if it was for the emergency physician Dr . They gave me a No. to call for physicians billing department. I called them and they also said that they could not find any unpaid bill with my name with them. I called the collectors and they explained to me that they were directed by a company called Pendrick capital Partners whom they claim were the purchasers of the physicians company. I asked if anybody called or wrote a letter to inform me of this unpaid bill of {$280.00} and they could not give me any answer. I was very absent and disappointed and asked them why nobody including the XXXX XXXX XXXX XXXX ( collectors ) nor Pendrick Capital Partners ever informed me of this unpaid bill before they forwarded it to my credit report. The letter that was issued was after my phone conversation with XXXX XXXX XXXX for collection which was to cover up that they wrote a letter earlier trying to recover the unpaid bill received after my phone call on the XX/XX/XXXX claiming the legal time had expired. In the first place how can they say they made attempts when I NEVER received any letter to inform me of the bill. This letter they just issued is the first I ever received. Why would they claim they made attempts and why could they issue a letter like they did after my phone call and after damaging my credit history. I have always paid my bills on time and this could not have been an exceptional. I need an explanation why nobody informed me of the said bill? Legally there should have been attempts either through writing or phone calls made informing me about the unpaid bill and to my dismay no efforts were made.

Company response to consumer: Closed with explanation