vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ceannate
State: PA

Complaint narrative:
As of XX/XX/XXXX, my bank account was overdrafted for the amount of {$78.00} by XXXX XXXX XXXX at the address of XXXX. XXXX XXXX XXXX, Illinois XXXX and I wish to file a complaint against XXXX XXXX XXXX because of this occurring with my bank account. I have documentation from their office with the {$310.00} that I supposedly owe to the XXXX  XXXX XXXX even though I advised the representative that they could not take money from my bank account until after XX/XX/XXXX. I have already filed a complaint with my bank and they are working on that end as well. I feel as though this collection agency XXXX XXXX XXXX leads former XXXX  XXXX XXXX Students astray with their demands for collection of money that is supposedly owed. This money should have been satisfied with my federal student loans by the college but they sent the funds back to the US Department of Education. I received the collections notice on XX/XX/XXXX stating that the XXXX  XXXX XXXX wants {$310.00} and I feel as though I do not owe them this money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
I got a loan from Midwest Acceptance in XX/XX/XXXX, and the vehicle was repossessed in XXXX. The account is showing open as of XX/XX/XXXX, however The account was open on XXXX XXXX. Information is inaccurate and defamation of character when I did not have that vehicle a text the beginning of XX/XX/XXXX. Secondly this vehicle was charged of & closed on XX/XX/XXXX, but is still reporting late payments and incurring interest. I called the office on XX/XX/XXXX & spoke to someone who was extremely rude and was threatened that they will keep reporting until the debt is paid off. The rep told me that the balance is incurring interest because i have not made a payment but thats not possible if the account has been charged off and closed. I Am asking that this account be closed and taken off my credit report as it is reporting inaccurate information, showing inquiries that i have not agreed to, charging interest on a closed & charged off account. This is grounds for removal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX based out of XXXX OH. Repeatedly calling people associated with my SIL. Including my parents!

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 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/18 Transunion, XXXX, XXXX  Reported account with XXXX XXXX XXXX as an OPEN account in Collections. 
This account has been in Charge OFF status for over a year. 
After sending factual information in regards to the inaccurate monthly terms reported, in the amount of 81months ( Should be 72 months, according to contract ). They have failed to provide proof of the balance calculations listed on my credit report.

After disputing the first time, this company updated my late payments reported ( my extended amount of days late on certain payments ). Still not providing PROOF. 
NOW they have an account, which is remarked as being a write -off, as if it is an active account in Collections. 

This company is in violation of the FDCPA and the credit bureaus are in violation of FCRA and have failed to complete a proper investigation.

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 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
My home is in foreclosure and in order to get help I need a statement from my finance company in which I've been unable to get and my finance company say they are unable to provide. I haven't received a statement since XX/XX/2018. And I need this to get help with the foreclosure.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: NJ

Complaint narrative:
Hello, I was just on the phone with Navient, my student loan servicer trying to touch base regarding my qualifying payments for the Public Service Loan Forgiveness program since I am about halfway through my 10 years of qualifying payments. It turns out that when I set up the loan, the servicer provided me with wrongful information regarding the loan forgiveness program and set me up with a non-qualifying graduated payment plan despite talking about a possible income based plan. We discussed the loan forgiveness program and how I would qualify since I work in XXXX  XXXX, but they still put me on a non-qualifying plan. I found this out 53 payments later after trusting that I was set up properly. I called XXXX to see if they can back date my loan forgiveness so that I don't have to start my 10 years of qualifying payments over again, but they said it's not possible to change the payment plan going backwards. I am at a loss and can not believe I have to start over after 5 years of payments due to wrong information given to me by Navient. Attached you will find records of all of my 53 payments ( with my most recent payment pending ). They are all paid days before the due date. It does not indicate that these are not qualifying payments or that they are part of a graduated payment plan that is not eligible. They do not indicate that they do not count toward the PSLF. Based on guidance from my Navient servicer I was under the impression that I was making payments that were qualifying payments for the Public Service Loan Forgiveness program and that I was almost half way to my 120th and final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
Commonwealth finance posted a debt on my credit report in the amount of {$59.00}, stating that it was opened XX/XX/2018. I have received no correspondence in regards to that dept in order to confirm and pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I am experiencing an issue with Loan Servicing company Seterus , Inc with respect to them receiving and applying my monthly mortgage payments. They have willfully limited my options with paying my monthly mortgage. This has now caused my payments to fall behind the due dates. On XX/XX/XXXX I attempted to make a payment through their on line payment service for {$2300.00} which would have satisfied my XX/XX/XXXX due date and make the loan current. The transaction confirmation # for the payment was # XXXX. Seterus Inc did not accept the payment. On XX/XX/XXXX I sent by overnight mail at my expense a second payment for {$2300.00} which would have satisfied my XX/XX/XXXX due date. Seterus once again did not accept the check which has now caused my mortgage to be late by 45 days. Seterus evidently now has given me 1 option to pay my mortgage which is by cashier check which is causing undue aggravation and hardship. I request the ability to make payments online through the Seterus website or by personal 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 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I had an account with XXXX which terminated in XX/XX/XXXX. The account was changed to my daughter in law when I moved out. I told XXXX to send me a final bill for payment. I did not receive a bill, so in the beginning of XX/XX/XXXX I contacted them again, they said they had no record of the account, and said it must have gone to collections, and would have to wait to hear from them.In XX/XX/XXXX I still had not heard anything from a collection agent or XXXX so I called XXXX again, again I was told to wait. By the beginning of XX/XX/XXXX I checked my credit report and there was a derogatory mark on my credit report for a bill from a collection agency for XXXX, and it was for more than triple the bill. I have contacted both XXXX and Credit collection services to try to correct the matter, and neither will do anything other than demand payment. I already had this removed from my credit report once, and then it reappeared this month. I'm hoping you can help me, it would be nice to be treated fairly. I don't think that's asking to much. 
Thank You. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has arbitrarily and without warning increased my student loan interest rates five times, yes you read that right, FIVE TIMES, in the last year alone. That is more than the last 6 years combined. Not to mention they purposefully delay payments that you have made for days on end. There is absolutely no reason that a payment I made on Friday morning has still not gone through Monday afternoon. Absolutely no reason at all. I know the Consumer Financial Protection Bureau and the Department of Education are both run by severely corrupt individuals, who are on par in corrupt practices with XXXX  and just as greedy, but mark my words one day the CFPB and the Department of Education will be run by people who actually do their jobs, which is protect people not corporations, and Navient will pay for their shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Step 1 : What is this complaint about? 

XXXX XXXX Citi Bank Credit Card XXXX XXXX XXXX XXXX and {$120.00} in Fees no merchandize involved. 

Step 2 : What type of problem are you having? 

I closed the account in XX/XX/2018 because XXXX XXXX  doesnt offer electronic statements in real time. It seems they are retaliating against my decision over to close the account over their customer service issues. It feels like bulling and intimidation tactics to coerce me to pay nonsensical fees by continuing to access fees on fees. I would think a bank like Citi Bank would offer an interoperable website in real time to make credit card information accessible to end user. Rather it seems they are taking advantage of all whom may not be able to fight the haranguing and accessing fees. I paid my last statement in XXXX. XXXX XXXX is accessing fees on fees. It is very difficult to hold a conversation with the customer service team. I have paid for all items purchased. When I tried to explain the issues they weren't interested in hearing me out and they could not account for when or what item they accessed the {$120.00} fee over. In a state like CT I am almost certain, XXXX XXXX  Citi Bank, cant access Fees on Fees. No merchandize is involved. 

Step 3 : What happened? 

When I tried to explain the circumstance they dismissed by explanation. They are not real time or interoperable. They were just belligerent and unable to explain why they accessed what they accessed. This has been ongoing since XXXX XX/XX/2018. 

Step 4 : What company is this complaint about? 

XXXX XXXX  Citi Bank Credit Card XXXX XXXX XXXX XXXX Step 5 : Who are the people involved? 

XXXX XXXX Citi Bank Card Vs. 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 2018-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harley Davidson Financial Services Inc
State: KY

Complaint narrative:
We have verbally and in writing asked Harley Davidson Credit Services to NOT call me at my employment. They still continue and now have a third party call and state they are an investigator looking for me. I have written proof asking them to stop and have the screen shots of the work phone and messages from my employer telling me all the things that are said and asking for me to get them to stop because it is upsetting to the staff. I work at non profit church.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One isn't honoring a Money Market 360 promotion as it was advertised. Per the terms, I deposited at least {$50000.00} within the stipulated timeframe, but they refuse to deposit the promotion money citing a rule that isn't written anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/18 XXXX, Equifax, XXXX Reported account with XXXX XXXX XXXX as an OPEN account in Collections. 
This account has been in Charge OFF status for over a year.

After sending factual information in regards to the inaccurate monthly terms reported, in the amount of 81months ( Should be 72 months, according to contract ). They have failed to provide proof of the balance calculations listed on my credit report.

After disputing the first time, this company updated my late payments reported ( my extended amount of days late on certain payments ). Still not providing PROOF.

NOW they have an account, which is remarked as being a write -off, as if it is an active account in Collections. 

This company is in violation of the FDCPA and the credit bureaus are in violation of FCRA and have failed to complete a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: SC

Complaint narrative:
Amerassist reported over {$1500.00} to my credit report for a debt I do not owe. I have spoken with MULTIPLE representatives to advise that the account they are speaking about is not mine and I have spoken to the company XXXX XXXX and have a letter proving this. Along with a signed General Release form. Yet, I still continue to get harsh aggressive letters and phone calls and now the debt is wrongfully on my credit report hindering me from purchases and many other things at this time. 

Will supply copy of the release form if this goes to court for defamation due to the impact on my credit and financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Dear Sir or Madam, My name is XXXX XXXX XXXX. On XX/XX/XXXX, I went to Home Depot to purchased hardwood floor with cash on hands. The lady at the checkout offered me a store credit card with interest-free for 24 months. After talking to my husband, I accepted the offer. I purchased the hardwood floor over {$4000.00}. I have been making payments every month and never been late on a payment. Based on my calculation, I owed them less than {$2000.00}. On XX/XX/XXXX, I called to make a payment, they told me the balance was over {$4800.00}. On XX/XX/XXXX, I called customer service to find out what is wrong, they told me that they have been charging me interest since the date of purchase. That is not what I agreed to when I made the purchase. On the same date, I called again and asked to speak to a manager, they made me wait for 30 minutes and they hung up the phone.

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 2018-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called in XX/XX/2018 to get a fee waived for late payment. I advised the representative the payment had been made a week before its due date. He indicated I had to many fees waived in the past, and I would have to pay the full amount because it was received late. I advised the representative I would pay, but to cancel my account. I sent in a payment for the amount noted. Sears went bankrupt and turned over collections to Citi Bank. I start receiving robo calls from Citi Bank in XXXX. I wrote a letter to Citi Bank XX/XX/XXXX asking for the calls to stop, and noting the account had been paid in full and canceled. I received a letter back stating to call their collections representative. I called and have not been able to speak to an individual. All the numbers listed go to a touch tone service for arranging to make payments. Since I do not have a Citi Bank account, the number for them simply cuts off. The collection agency reported the incident to the credit bureaus, and it has negatively impacted my credit rating.

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 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have tried to get this handled multiple times through cfpb and wells fargo directly. The last complaint letter from Wells Fargo specifically stated to start a police report in any jurisdiction, which I have done. I emailed & faxed them the details on this, but have not yet heard back from them in regards to the fraud complaint / case. I will be re-attaching all of the details from my previous cases and appeals with Wells Fargo. This has been going on since XX/XX/2018. 

I will not re-detail all of the information on the case here, but it is all in the attachments. In summary : ( 1 ) I disputed the charges as fraud ( 2 ) I followed all the directions provided to me by the credit card company ( 3 ) I have opened the police report as required by the credit card company ( 4 ) I still have not received a satisfactory response / credit to my account to void out all of the fraud charges ( 5 ) This has been severely hurting my own credit at this time due to Wells Fargo 's negligence.

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 2018-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUNTRUST BANKS, INC.
State: MA

Complaint narrative:
When i first got the loan, I signed up for autopay to receive a lower interest rate. My automatic payments come out on the XXXX of each month. This month ( XXXX ), the XXXX falls on a Thursday but I do not get paid until Friday the XXXX and I won't have enough funds to cover the payment coming out on the XXXX. I contacted XXXX via email on XX/XX/18 to ask them if they can move the autopay to the XXXX just for this month. They said they could not saying that once the loan is funded they are not able to make any changes. I replied on XX/XX/18 asking if I can temporarily cancel my autopay just for the month of XXXX without having my interest rate go up. They responded saying they are not able to make an adjustment to the autopay without affecting the interest rate and told me to call them for further assistance. I called XXXX on XX/XX/18 to explain my situation and they went on to confirm that they can't do anything about the autopay without the interest rate permanently going up. 

I went to my bank that has the checking account the autopay comes out of and the cost to block the autopay is just about the same as receiving an overdraft fee. {$30.00} vs. {$35.00} but no guarantee it would work since the autopay is not a physical check. 

I find it hard to believe that XXXX can't make a temporary change to a loan to help a customer avoid an overdraft fee. It's 1 day!

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