vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I called to ask questions about the programs and was told that I had to be a student to get the information. I asked if it was a good program and the rep said that University XXXX XXXX has a contract or affiliation with the government for XXXX XXXX XXXX students. The graduation rate is over 85 %. Because I am low-income, I would not have to pay back the loan, unless I graduated with a diploma in my field. My starting salary would be over {$40000.00}. I also was told that I could cancel the contract after 30 days. The contract had to be signed that day. The contract was emailed to me at XXXX. I printed it, signed it and took it to the library to fax it. I was never able to cancel the contract. I filed a complaint against XXXX and Navient. XXXX finally sent me a copy of the contract. The contract XXXX sent had no signature, date of birth, driver 's license number and had the wrong email address. Navient had the lawsuit dismissed XX/XX/2018 for jurisdiction (? ) I couldn't really understand it. I only signed one contract, there are 7 loans. I don't know what else to do. I am still low-income and have no way to pay this loan back. I am a XXXX, on medicaid and section 8.I would like to try to make my life better but this loan is more than I can handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a alert stating that Experian place a fraud alert on my report, ( XX/XX/2014 ) i call and ask them why was the fraud alert on, so the rep told me he was pass on by XXXX  and XXXX  and the only way they can take it off of i mail in my id with a letter asking to remove, so i call XXXX  and XXXX  directly after Experian told me that one of the other bureau reported it, they both stated no they dont know where Experian get that from and that i have no fraud alert on neither other 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 non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Citi checking account at the beginning of XX/XX/2018 using a coupon code provided. The terms were {$500.00} bonus cash after depositing {$15000.00} within 30 days and maintaining the balance for 3 months. I never received the bonus cash - its been more than 3 months. I reached out to Citi multiple times, keep getting shuffled around to different people, in most cases the call disconnects after a while.

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 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Back In XX/XX/XXXX or XX/XX/XXXX of this year I sent a validation letter to the company advising this debt was not mine. I then sent them another letter on XX/XX/2018 which provided proof that the account they have on my credit file is not mine, they still did not respond. I filed a complaint on XX/XX/18 in which they finally responded saying they would remove from my collection file as well as they would send me a fraud packet. To this date neither was done, this account is still on my credit file and I never received the packet they claimed they would send.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo Auto Loan Services XX/XX/18 at XXXX PST to resolve my late car payment. First error was that the automated system nor the agent of Wells Fargo did not indicate that the call was being monitored or recorded. The representative was extremely rude and uncooperative when seeking a temporary deferment due to my current financial hardship. According to the rules of Wells Fargo, they are not able to approve a deferment unless i have income coming, which defeats the purpose of the needing the deferment. I explained to the representative on numerous occasions that do have income, as I have been approved for unemployement, i am just waiting for my first check. representative exclaimed in a very rude and obscene manner that there is nothing they can do until i receive that income. I am already 20 days past due. The level of unprofessionalism and lack of understanding of my situation from one of the biggest banks in the nation, who is already under a lot of scrutiny on a multitude of fronts including stealing money from their own consumers, is unethical in nature. I first spoke to a representative named XXXX ( no last name ). The bulk of unprofessionalism, the lack of helping a consumer needing to get back on track, and the attitude this representative had was unwarranted and very disrespectful. I asked to speak to a supervisor. Once the supervisor got on the line, the supervisor was WORSE than the original representative. His name is XXXX XXXX. XXXX let me know that he listened to the call and that there is nothing they can do for me. I then told him, I was not aware, nor was i told that the call was being monitored or recorded, which is against the law in my state. He was extremely combative and unwilling to help or listen to my situation. He just kept saying that, i listened to your call and there's nothing we can do for you over and over again. And you became a supervisor how? Both of the representatives clearly do not enjoy working for Wells Fargo. I urge that Wells Fargo hire competent employees that actually want to help people get current with there loans and provide different methods and avenues to assist their consumers willing to get current.

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 2018-11-15 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 — Problem with personal statement of dispute
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NV

Complaint narrative:
A mortgage lending company pulled my credit on XX/XX/2018. I reviewed my credit report and found several errors and several accounts that do not belong to me. On XX/XX/2018 I submitted a credit dispute to XXXX XXXX, XXXX. In the credit dispute, I described the errors with my credit report and asked the credit bureau ( XXXX ) to remove the accounts from my file. On XX/XX/2018 I received a reply from XXXX  stating they received a certification that the information is accurate. But they have not provided me with any documentation or other evidence to support their claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX,, Continuing,, Conversation,, Been Requesting Unlimited Overdraft Protection On My Bank Card For Quite A Min,, Back In Year ( XXXX ) Thru ( XXXX ),, Never Receive It I Only Receive Limited OverDraft Protection On My Bank Card,, This May Be A Very Important Issue!!

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 2018-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SHABANA MOTORS
State: TX

Complaint narrative:
My vehicle just got repossessed, and I was forced to over pay on the loan. the problem that I'm having with this company is incorrect or fraudulent balance remaining, since I've bought the vehicle 3 years ago I've been keeping track of my payment, the company report to the credit bureau that I still owe about {$9000.00} which is incorrect, so I called the company with the information that I have to get them to correct the balance remaining on my lawn which in reality should be somewhere around {$3000.00}, after they disabled my vehicle I called to pay off the rest of my loan which they denied me to do, so I asked them how much do I have remaining on the loan to pay it off and they refused to tell me, so I informed them that the balance that they're reporting to the credit bureaus is incorrect and then I was hung up on. 
Another but unrelated complaint is Shabana Motors never honored my powertrain coverage, within the first 24 months I've replaced my front wheel axle shaft, fuel pump, timing belt, head gaskets, and CV joints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On XX/XX/2018, I deposited a check of {$4000.00}. After a few hours, TCF took this deposit and turned it into a debit on my account thus turning my available balance far into the negative. I called and they said this is normal in which they need to hold the funds before they can release. I understand holding the incoming funds from being released, but not taking the available funds from my account and doing what with? Earning interest on their end? I was sitting at dinner and couldn't pay because they essentially held my money. Even their employee said that it was ridiculous but sadly outside of her control. Based on her tone, she gets these calls often. 

How. Is. This. Legal. 

Tomorrow I am switching banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is about a deceptive practice by Wells Fargo mortgage, and me and my wife are innocent victims in this matter. It is about real estate taxes which we used to pay for many years. Wells Fargo went ahead and paid item without my knowledge. Wells Fargo started an escrow account which caused my payment to increase from {$1600.00} to {$4500.00}. I gave them all options to work with me to rectify this situation, but since they don't have any local office any where in my area where I can go in person and talk to someone about it. I have been talking to different people over the phone, spending countless hours in trying to resolve this issue. I need the help of Cfpb to look into this matter as a mediator, and help us as we are both senior citizens. This is our home where we both want to end our journey peacefully. I have {$250000.00} of equity invested in my home. I feel I am being black mailed by Wells Fargo. I have all the documentation to explain the situation if you need further 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 explanation
Consumer complaint received 2018-11-15 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: CASHCALL, INC.
State: CA

Complaint narrative:
I never authorized my credit to be run and it shows up on my XXXX  credit report as a hard inquiry which ultimately lowers my score and this account is on my credit file in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/2018, I lifted a security freeze on my credit reports with Experian to allow a lender to check my credit. I used their website to lift the freeze. On XX/XX/2018, I attempted to put the security freeze back in place since my lender had received the necessary information. When I tried to use their website, I was prevented from putting the freeze in place and was referred to a phone number at Experian. The website states that freezes can be placed by phone, but provides nothing more than recorded instructions to submit a freeze request by mail, a process that I have attempted to use in the past with no success. There is also no way to talk to a customer service representative that I have been able to find. 

All of the other credit agencies allow placing freezes on their websites, and make it simple to place a freeze on MY CREDIT INFORMATION. Experian has made it purposely difficult to place freezes on credit information, and this is NOT the first time I have had this problem. This is unacceptable. I believe the Experian is actually trying to prevent consumers from protecting their personal financial information by making it as difficult and time consuming as possible.

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 2018-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai Finance has reported a late payment on my credit report, when I was never late, I even received a refund since my account was paid in full and it was always in good standing. This would be for the 2017 Hyundai XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have written several letters, sent emails, and called. I am trying to settle two accounts I had with Bank of America, and they are refusing to give me a settlement offer. One account was overdrawn {$480.00} and another account {$590.00}. I don't have the money to pay these in full, and really don't feel like I should have to because Bank of America did not receive any principal loss, and the money they are asking for is for overdraft fees, not actually money that I spent. I am willing to try and come to some type of agreement and pay money a settlement for these fees. The last time I filed a complaint the response verbiage was rude and I was not trying to open a new account. I am fine that do not ever want to have a banking relationship with me ever again. All I am asking is to settle these accounts and move on. I have been working on paying my past debts and people make mistakes. I have to wait seven years anyway to get these items off my XXXX XXXX and XXXX even if I paid them in full they would still be reporting it. All I am asking for is a settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax Confirmation Number XXXX had the specific as folllow : Dispute Summary Type Name/Account Details Reason XXXX XXXX XXXX XXXX XXXX, SURPRISE This is not my address ; it belongs to a Address, AZ XXXX relative or another person with same/similar name. Confirmation number : XXXX Equifax broke FCRA act by adding to Mr. XXXX record that unthorized address as described above in that Equifax online dispute confirmation XXXX. Moreover Equifax deleted a longtime address of Mr. XXXX which is : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX va XXXX. Equifax falsified Mr. XXXX Record That It administers in violation of law. Other violations committed as Record will bring the allegations stated else where in details and Equifax with intentional recklessness refuses to clear the mess it caused in Mr. XXXX Equifax credit report and instead insisted to continue with intentional recklessness to cause more irreparable and imminent damages and losses to Mr. XXXX. Equifax you are going to be sued. End.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
2004 I been scammed into having multiple loans under one cant get payments down currently at {$16000.00}. XXXX XXXX has loans from Sallie Mae which I believe are not safe to deal with because there a rip off. I want to get this off my report. I keep getting the deferment that doesnt work for me because its still messing with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient Student loans is a company that does not even try to help studentsehuch have been paying them thousands of dollars over a decade. U tried very hard to deal with them to reduce the interest of my loans but every time they say no we cannt help. There is no program whatsoever to help students that always have been paying their bills. Thousands of dollars over years. Every payment that I make goes towards the interest only. Only couple of dollars per couple months goes towards the principal. Abviously if I could make large payments to pay off I would. I have been dealing with a lot of health issues and the only thing they say is put on auto pay and you should be ok. 
Navient just takes and takes and takes from poor students and does not try to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: CA

Complaint narrative:
I never authorized my credit to be run and it shows up on my Experian credit report as a hard inquiry which ultimately lowers my score and this account is on my credit file in error.

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 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi had a system failure when I requested my stolen card to be shut down and Citi failed to and the thief accrued charges due to Citi 's failure. Citi then refused to refund me my auto payment which included fraudulent charges so I was forced to revoke the stolen charges via my checking account. Citi then proceeded to charge me extra on top of that for revoking the charges to get my money back. 

Amounts : XXXX XXXX : {$25.00} AAadvantage : {$25.00}

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 monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I requested a rewrite to lower my monthly payment due to hardship. Ally sent documents for me to sign and charged a rewrite fee of {$220.00} which is in money order. I sent all signed documents with the money order enclosed together with money order through XXXX. It showed in my Ally account that the money order of {$220.00} was received by Ally on XX/XX/2018. The due date is XX/XX/2018. But Today, XX/XX/2018, I was told by Ally that my documents was not received in a timely manner. That the rewrite is not valid. But it shows on my Ally App that Ally receive the rewrite fee of {$220.00} in ( money order ). I was told by this company that all transaction was not anymore valid. So I now I have past due of {$1100.00}. I was suppose to start monthly payment of {$310.00} on XX/XX/2018 of Ally acknowledge the agreement & documents signed. I sent documents & money order to Attn : Workout Team Rewrites, Ally Financial at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Ally Workout Team Phone number XXXX. 
Please help. 
Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in XX/XX/2018 I have purchased vehicle from XXXX XXXX. But I do see additional hard inquiry pulled by XXXX XXXX XXXX, XXXX XXXX though I never applied or gave consent to them. Please help me to correct this from my 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