vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XXXX    XXXX    XXXX  has been harassing my inlaws trying to get a hold of me multiple times per day. Someone came to their house with a brief case trying to look for me. They are establish as  XXXX    XXXX    XXXX , inc but they claim to be ligitation lawyers which is not true on their website since they are only a collection company. If yo u google it  there is a  XXXX   XXXX   XXXX   XXXX  lawyers in  XXXX  but not in New York where they claim to be and when I search the phone number it leads to the collection agency in New York. This company harasses and confuses consumers with their tactics about them being lawyers and the way they pretend they are the last step before a civil claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my Travel Rewards c ard 2 months after I opened it without any reason and without any notice. I had  XXXX  points on this card that I earned from bank bonus and from my spending. They confiscated all my points and refused to compensate me for their val ue ( {$350.00} ). I c onsider this a robbery and would like to get my points in form of check.

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 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DRB-40, LLC
State: VA

Complaint narrative:
Diversified Recovery Bureau, LLC calls me 2-3 times ever yday and leaves me " threatening '' voicemails stating they have my Social Security number and other sensitive information on " their desk '' and that it is imperative that I call them back immediately to resolve this matter. They never state what " this '' matter is when I call back yet demand that I give them my Social Security number and mailing address for ID verification. On  X/XX/2017   ,  XXXX   XXXX  from  Diversified called  me and once again refused to tell me for what debt and/or creditor he was calling in regards to. He demanded that I give him my Social Security number in order to verify my ID. I told  XXXX   XXXX  he could send me a letter on his companies letterhead, stating what " this '' matter was in reference to. Once I received the letter and was satisfied that it was in fact a debt that I owed currently or at one time, I would gladly call back and speak to him.  XXXX   XXXX  promptly cut me off while I was telling him this and once again demanded my Social Security number. I again told him to send me a letter in the mail stating what this phone call was in reference to.  XXXX   XXXX  at this point was got angry and sai d " Fine, t hen I 'll just mark this down as " Refusal '' and we 'll take it from there. '' I immediately asked  XXXX   XXXX  if he was " Refusing '' to send me the letter I asked for in the mail, but he had already ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was in an accident, the other driver being at fault. His insurance accepted full responsibility, and declared my vehicle a total loss. A payment of almost {$9500.00} was made to  Wells Fargo Dealer Services, leaving rough ly {$2200.00} left on my loan. I understood that this was my responsibility to pay and called to inquire how it all works. I was led to believe that my remaining balance would be spread among the 5 yrs left on my loan, thus making my monthly payments lower. Which is the factor I took into account when obtaining a separate loan for another vehicle. I calle d Wells Fargo Dealer Services customer service when I noticed my payment due was still at {$250.00} and was then told " unfortunately '' that it is not an option. Representatives have been rude, unhelpful and impossible. From there I have been repeatedly bounced from one dep artment to another in my quest to find a resolution. I have had to finance another vehicle, with a larger APR, and my payment for the new loan is {$330.00} per month, I have stressed I can not afford {$250.00} along with my other loan payment. Had I known this would be an issue I would have explored other options. However with the incorrect information from  one  representative I am now having to fight these people to keep good on my word without going broke. I have been completely honest and willing to work wit h Wells Fargo Dealer Services, stressing that my goal is to find an option that works well for both parties but I am getting nowhere. My hope is the complaint process will at least mediate a resolution.

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 2017-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This complaint is for a private student loan I have wi th Citibank Student L oans. The amount owed on the account was {$2300.00}. This account was settled with their preferred collection company,  XXXX   XXXX ,  XXXX  in  XXXX  of  2016  for {$590.00} . Citibank is n ot acknowledging this account as settled and is still negatively reporting it to the credit bureaus. After contacting  XXXX   XXXX  about this they sent me a letter stating that the account has been settled and contacted Citibank regarding this. Since then, Citibank has closed the original account as " transferred to another lender '' and reopened the account  under " Citibank N.A ' ' and "  XXXX  \Citibank N.A . '' with a b alance of {$1700. 00} ( whic h is the difference from the original amount owed and the paid settlement amount ). The accounts are countinously reporting late, deferred and opened with a {$1700.00} balance on my credit files after several disputes and attempts to correct them . Citibank is  in violation of the FCRA. They have cause  my credit score to dra stically decrease by  XXXX  points with the false reporting and duplicate additions of these accounts, and they have cause me to be denied for a mortgage loan. Please 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 explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My mother sold her home in  XXXX   XXXX . The home was located in  XXXX  NY,  XXXX . My mother owned the home free and clear of any debt at the time of the sale. During the title search it was found that there was line of credit for {$28000.00} taken out against the home in  XXXX . The line of credit was paid off sometime on the late  XXXX  's. My mother can not find a copy of a release letter, or statement indicating the line of credit was paid off. Due to outstanding line of credit on the title search, {$30000.00} was held in escrow ( by the attorney ) pending receipt of a lien release letter. The line of credit was initially taken out with  XXXX   XXXX   XXXX , which was ultimately acquired by HSBC Bank. I have tried numerous times contacting HSBC regarding this issue. I would estimate I have called th em 20-30 times  and emailed/mailed/faxed at least 10 times. I have also had an attorney call them several times and send at  least 2 or 3 letters . I do have extensive documentation and timelines that I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Abo ut 8  or 0 years, I opened a  Wells Fargo s avings account for my minor niece when she was born. At the time that I opened the account, I was told that there would be no monthly service charge for the account until my niece turned  XXXX . Starting in  XXXX ,  Wells Fargo st arted charging monthly service fees on that account ( even though my niece was still a  XXXX  ). In  XXXX   XXXX , I called to ask them to close the account. The representative told me that she would refund the late fees and close the account. That did not happen. I called again today to request that they refund the late fees and close the account. They closed the account but told me that they were not able to refund the fees, because I had to go to a branch to have them refund the fees. It seems unnecessary for me to actually waste time on the phone with them to only be told to go to the branch.  Wells Fargo p urposefully set up a system to make it as difficult as possible for consumers to get a refund with the intent that consumers will not jump through all the hoops a nd Wells Fargo  will benefit by keeping all of the fees that wrongfully assessed.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In  XXXX  f   XXXX  , I filed a dispute request that a bankruptcy that had been included on my credit report be validated and verified with Transunion. I received a notice from both companies saying that the information was had been verified and that it would stay on my report. It also stated that if I had any further questions, that I should call the court for more information. Upon calling the  Federal Court bu ilding in  XXXX , I was told that they do NOT verify or validate information for ANYONE. I called both credit agencies, and was told that they verify through a third party. I then asked for supporting documents, stating that an outside company saying the info was correct was not enough. I was told that they were not required to validate or verify info with the ORIGINAL REPORTER, and that t he third party was enough. I responded that it was not, and that by law they are required to research the dispute with the original reporting agency ( just like they make consumers do ).      I want this item taken off of my report immediately or make be forced to take other avenues for actions, and/or restitution.

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 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I had been unemployed and recieving social services on and off from  XXXX  til  XXXX . Most of the time from   XXXX - XXXX .  I repeatedly talked to representittives from Navient and explained my situation, and repeatedly asked for paperwork to get this on file. After probably 2 years of dealing with this, I finally got the correct paperwork & filled it out and sent it in to be told they never received it. They also put me on a {$5.00} a month payment plan for awhile which I did pay on, and then out of the blue I was sent a bill for over {$700.00} ... when I called and inquired about the change they told me I was no longer eligible, even though nothing in my employment or life situation had changed. I have been dealing with this company for many years now and they have never once made things easy or even practical How is a person receiving government assistance suppossed to pay the outrageous payments they bill you for? My loans are now astronomical because of late fees, interest, and every other charge they can possibly add to my total. My original loans were for way less then half of what Navient now says I owe!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.

Complaint narrative:
I disputed online using Experian website and submitted proof that the judgment was paid in full. I sent payment proof and invoice from the  XXXX  County court house showing that the judgment was paid in full.   All other credit bureaus have accepted the information and removed the judgment but Experian has failed to remove it. I spoke with a representative at Experian and was told they can not remove it. I tried to dispute only  a 2nd ti me and no luck with Experian.

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 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against RECEIVABLE PERFORMANCE MGMT for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon being denied from a lender for " too many inquiries '' from my equifax report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are inquiries on my Equifax report that I DID NOT authorize and have no knowledge of. I contacted Experian immediately and was given no relief. I also have fraud alert in place now, which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.        XXXX  -  XXXX   XXXX ,  XXXX   XXXX   -   XXXX   XXXX ,  XXXX    XXXX   -  XXXX   XXXX ,  XXXX   XXXX  -  XXXX   XXXX ,  XXXX    XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX  is on my credit report twice on the same day   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
This is w ith Fay m ortage servicing company and  XXXX .   I disputed a late being reported on my mortgage. It was found to be inaccurate and incompletes at end of investigation. It was to be removed. They deleted my mortgage. It took weeks to get my mortgage back on. However once I did they put the already investigated late back on. It also was never reported to all  XXXX  agencies. This lead to my score dropping  XXXX  points. Resulting in denial of loan closure. Please see this is rectified immediately. I need to close on a loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I 'm a veteran and my gi bill was supposed to cover my schooling. Not only was my gi bill never used, like i told them to, but i was also a single parent and should 've qualified for a pell grant, but instead they did n't even offer that to me. They persuaded me into doing these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On  XXXX   XXXX ,  2017 th e IRS submitted a form  XXXX  withdrawing an IRS lien.   XXXX   immediately removed this lien from my credit report and my wife 's. I filed a dispute with Experian however their " investigation '' confirmed the lien was valid despite the fact that I submitted to them the IRS form  XXXX  and this form was recorded with the  XXXX  County  Recorder 's Office, th e very office they state they verified the validity of the lien with.

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 2017-04-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Cap ital one cl osed  XXXX  of my accounts because I 'm visually impaire d. Fraud  took place on  XXXX  of my cards by a care giver. I constantly calle d Capital One to ask  what was going on and the moment I told them I relied on their information about my accounts because I was unable to see, all  XXXX  of my accounts where closed. I believe this is not only unfair but illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
To whom it  may  concern : In 2013, I cosigned a loan fr om Santander Consumer f or a  XXXX   XXXX   XXXX . Since then, the signee and I have experienced problems, ranging from lost payments to unfulfilled agreements. One of the more pressing issues, however happened last  XXXX , when they repossessed the vehicle without any letters or notifications to let us know. Worried about my credit, I called Santander and negotiated a reinstatement amount ; they also agreed to remove the repossession since I was going to pay. As a cosigner, I went ahead and paid the full amount and I retrieved the car. However, the agreement was not kept. The repossession was not removed from my credit. Thus, I would like to formally request the removal of the repossession last year from my account and credit report. I have made several payments since then, as well as going so far as to pay extra. As a second point of contention, I would like to request a reconsideration of the interest rate on the vehicle, pursuant to the Arkansas ursery law. he current rate of the loan is 20.6 %, which is 3.6 % over the Arkansas cap of 17 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I currently have a home equity loan wit h BBVA Compass. Rec ently, a leak in shower pipes caused a great deal of damage for which I 've filed an insurance claim with  XXXX   XXXX .  XXXX  has been great to provide payment for me to get my home repaired. I walked in to BBVA Compass t o deposit a check from  XXXX  to get the work done on my home. The branc h manager explained  they were not able to take the check at the branch. I had to sub mit a Hazard Insurance Claim Disbursement Request F orm and send paperwork, along with the check, into the bank. I 've had to pay for the repairs myself while waiting for the checks, already approved by insurance, to be deposited into my account. Currently, I 'm out a little over {$12000.00} and have been forced to take money out of savings to pay bills. The process, according to BBVA  Compass, takes 2 weeks to get funds into an account if you have a Home Equity Loan with  the institution. Two weeks ...?? to process a check from a large, reputable insurance company? I wonde r if BBVA Compass is ca shing the checks and reaping the rewards of interest on my funds? {$12000.00} is not a great deal of money for a financial institution to try and scam, but if all of their other customers are having to deal with the same situation, it could probably add up very quickly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
For quite some time ( more then a year ) ... I have been working on my credit report to remove and delete erroneous, inaccurate, accounts not mine, etc ... and in exercisING my rights PURSUANT TO THE FCRA , ..I  requested VALIDATION at le ast 3times fr om FURNISHERS, and disputed several ( at least 4 times ), and to this date I have no VALIDATION from the  XXXX  major credit bureaus (  XXXX - XXXX -  XXXX   ), ,especially  XXXX   XXXX  company . ..I 've re quested METHOD OF VERIFICATION ..and to this date my FCR A RIGHTS HAVE NOT BEEN HONORED OR RESPECTED.!,,,,

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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received an unexpected public record on my TransUnion credit report on  XXXX   XXXX ,  XXXX  for a circuit court #  XXXX . It states that it was reported as of  XXXX   XXXX . This account has NEVER been on my credit report and I have attached proof. We are in  XXXX   XXXX , and I am concerned as to how TransUnion can report a negative public record from  XXXX   XXXX  on my report causing my TransUnion score to drop DRAMATICALLY. This public record needs to be deleted from my credit report immediately. I have attached a copy of a recent TransUnion credit report showing that this public record was not showing up on my credit file under the public records section. Here we are a year later, and TransUnion is inaccurately and illegally reporting that this public record was reported as of  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 non-monetary relief