vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit agencies are incorrectly reporting that XXXX is showing 30 from XX/XX/2018 to XX/XX/2018. I was never late on this account.

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 2018-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I tried to pay my on my student loan for XX/XX/XXXXat the beginning of XX/XX/XXXX. When I went to pay online it showed my loans were in forbearance. I called Navient and they told me that because I was in a natural disaster area that all loans were put into forbearance. I asked for it to be removed so I could pay on my loan. The gentleman instructed me that they could take off the forbearance but my first payment would not be due till XX/XX/XXXX. 

I kept getting calls from Navient asking me to pay throughout XX/XX/XXXX. I spoke a second time to Navient 's customer service and they said someone would listen to the recorded call from the previous conversation and get back to me. No one got back to me. What they did do is call me again and again asking for me to pay all of my past due balances. 

Our third conversation for the month of XX/XX/XXXX a manager got on the phone and said there was nothing she could do. I find this unacceptable. I followed their instructions on waiting to pay in XX/XX/XXXX yet I kept getting harassed with dozens of phone calls. They could have just said " just pay in XX/XX/XXXX '' as was originally explained to me on a recorded line. 

I'm the one that asked to have my loan taken out of forbearance so I could pay on it. I followed their instructions but yet somehow i'm the one at fault here. Their business practices are terrible and they offered no consolation here for their mistake. 

I went ahead and paid everything they asked me to ( plus a little extra ). I fixed things as they instructed, but I feel they need to make this right with me. I'm sure i'm not the only person they have done this to over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo has refused to accept a payment for my Wells Fargo credit cards account from me because their website indicates that i have exceeded the number of times in a month i can make a payment from a non Wells Fargo depository account. 

Neither the account terms and conditions provided when i opened the account, nor the periodic billing statement, indicates any restriction on the number of times a customer is permitted to make an electronic payment from a non Wells Fargo depository account. 

I find this practice to be deceptive and seems to be a means to compel customers to open Wells Fargo depository accounts. 

I have attached a screen shot of the message that appeared in Wells Fargo online banking that prohibited me from making a payment and a copy of a recent account statement that does not disclose any restrictions on making payments.

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 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Re Citibank Branch, XXXX XXXX XXXX, XXXX XXXX CA Opening teenage son 's account - unauthorized withdrawal of his money to order deluxe checks after we explicitly said he didn't want any checks. 

On XX/XX/XXXX, I brought my XXXX year old son into Citibank to open his account so that he could have a debit card. I have been with Citibank since XX/XX/XXXX and had several accounts with them. 

When we filled out the paperwork for my son 's account which had to be a checking account for him to get a debit card, we clearly explained that we didn't want any checks for him. Despite that, the bank ordered deluxe checks for my XXXX year old and charged his account {$25.00}. 

I have been long dissatisfied with Citibank and this was the final straw that they would rob from a child 's account. On XX/XX/XXXX, I went into the branch to close all of my accounts and my son 's and get back my son 's money they took to buy checks. They dragged the process on and then told me at the end that I would have to come back after XX/XX/XXXX, to get the money as it was a third party vendor. 

I asked as it was the bank that was in the wrong in taking my son 's money in the first place, if they could draw me a check for it and they could then be reimbursed by the check vendor but they refused and insisted I would have to come back to get my son 's money.

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 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1, by XXXX XXXX XXXX XXXX, as Legal Title Trustee c/o Specialized Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX has filed a mortgage foreclosure against me and I never executed any agreement with them nor can XXXX XXXX XXXX XXXX furnish documents from the original creditor enclosing my on time payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1, by XXXX XXXX XXXX as Legal Trustee do not have the following legal authority : 1. Collect payments from borrowers 2.  Initiate nor have discretion to authorize a mortgage foreclosure 3. Reluctant to oversee mortgage servicers to confirm if the foreclosure has merit.

4. Does not manage or maintain properties in foreclosure 5. Not responsible for the approval of any loan modifications 6.  In short, XXXX XXXX XXXX XXXX XXXX DO NOT have no advance knowledge of payment history nor the clear chain of title from the originator creditor demanding XXXX XXXX XXXX XXXX and servicers to execute foreclosure for payment. 

Plain and simple, XXXX XXXX  as Trustee does not exist thru my discover. 
1. The " Trust '' NEVER entered into any transaction in which the Trust paid for assets. Nor have any third parties SLS ( Specialized Loan Servicing, LLC ) executed monetary interest. 
2. Through deception, XXXX XXXX XXXX XXXX never execute foreclosures. They use servicer 's to conduct the dirty work to deceive consumers. 

This is not a duplicated complaint ... .should all parties be reluctant to respond. 

My complaint is toward Servicers using XXXX XXXX XXXX XXXX as a shield from liability in fraudulent foreclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In mid-XX/XX/2016, I was sent a credit collection letter for rent payment from multiple credit collection agencies. This was a week since I moved from the property. I received a phone call from XXXX XXXX XXXX, stating that they owned the debt. I notified the representative that her information is incorrect, as I have been already been contacted by two other parties. I kindly asked that NCS send a formal letter showing proof of the debt, with records. This is based upon the FCRA Act. I never received a correspondence. The representative called back less than a week later, where I stated, that everything needs to be in writing, and I have 30 days to reply. 

On XX/XX/2016, less than 30 days, with no written correspondence. The representative placed the debt on my credit report, without my knowledge. The representative seemed to have taken my request for information and knowledge of the FCRA Act as a personal challenge. This was without providing adequate proof of the said debt, and knowledge of other agencies requesting debt collection. 

I have disputed the item on credit report. NCS took it off and placed it back in less than 48 hrs. This is unethical and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
On Mon XX/XX/XXXX XXXX CDT 2018, I called XXXX Customer Service and a representative from XXXX XXXX XXXX answered the phone from the XXXX number after going through the automated system. The representative did not identify the company that she represented, or that she was attempting to collect a debt, or that any personal information collected would be used for that purpose. I told the representative that I had a XXXX transaction from my sister that had not come through to my account, and the representative responded that she would be happy to assist me in resolving that issue, ( which the company has no control or access to even view XXXX account information or transaction, much less the ability to assist with XXXX transactions between two people ). My full name, email address, mailing address, social security number, personal XXXX account information, and phone number was provided to her. She was unable to find any information regarding me, and only then, when I became highly suspicious, did she inform me that she was not a representative for XXXX but rather a collection agency. XXXX XXXX XXXX did not identify themselves and through this omission of identification they therefore implied misrepresentation by impersonating a XXXX representative under the guise of assisting me with rectifying a personal family money transaction in order to obtain private, legally protected personal information for which I would have not provided had I known the truth. I recorded the conversation and can provide it if needed.

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 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have a collection being listed in my consumer credit file under National Credit Systems, for a rental which was paid and not accurate. I have tried repeatedly to get the matter documented and they don't comply yet the bureau will not remove or take my dispute serious. The company has not provided documentation to me nor conducted an investigation in compliance with applicable laws on reporting. I have been struggling just to get them to actually look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed this late payment with Trans Union. XXXX XXXX responded to me with a letter stating the payment was not late and XXXX XXXX re-updated my credit report with Trans Union as never late to correct the issue. However after XXXX XXXX corrected the issue on my credit report, Trans Union closed out my dispute and put the late payment back on my credit report. This has caused me stress and ruining my credit. Please remove the late payment.

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 2018-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On or around XX/XX/XXXX i noticed a charge on my Bank of America card for {$300.00} that I did not make from XXXX XXXX. I immediately phoned the bank to stop payment and to cancel my credit card. The charge was removed and 2 weeks later re-added. I phoned the company again asking why it was added, they claimed that it was an " error ''. However, the charge was never removed. 
I took the next step to phone XXXX XXXX about the charge. They admitted that this was a fraudulent charge and that they would take care of it with Bank of America to credit my account. I immediately phoned Bank of America with the necessary information. 
I received a letter from Bank of America stating " Our decision hasn't changed. '' I called them again and reminded them that I provided them, Bank of America, all of the information for my fraud claim, they said that " we are getting closer to a resolution in your favor ''. 
2 weeks later, I have another letter saying that this is not in " my favor ''. I phoned XXXX XXXX as to why I did not receive a check for the amount that I did not charge. Still no resolution from either, and I am still out {$300.00}. 
I asked Bank of America for a copy of the call log, they have not provided this. I can not speak to anyone, I am on hold for hours. I need help. It's no longer the money, it's the principal and what these people are allowed to do to innocent customers. 
Not sure where to go from here, I appreciate any help you can provide.

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 2018-10-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Seterus, Inc.
State: OH

Complaint narrative:
" QWR Notice of Error '' Multiple 524 Injunctions have been executed on my loan by Seterus starting at assignment into XX/XX/XXXX though XX/XX/XXXX.  Seterus took a position that they were granted a conditional relief of stay given by the courts and placed a Forced Placed Insurance Policy on the  property while the stay was in affect. This statement is not accurate because the stay had a condition that if the debtor did not execute a payment to correct a deficiency in the loan the stay would go into effect. The payment was paid by the debtor so the stay was not issued per the courts the court added that if in the future Seterus would have to send the debtor notice of intent and Seterus has never done so. Seterus at that time issued a Forced placed insurance policy on the property while the debtors insurance was on file with the court this encumbrance was a direct violation of the debtors plan and the federal stay 524 Injunction. I am requesting all periodic monthly notices, payoff and monthly billing statements. Seterus was party to a reaffirmation agreement that reduced the debt for this loan as part of a chapter XXXX bankruptcy proceedings in XX/XX/XXXX. Ever since the signing of that agreement Seterus has asked for discharged debt on the monthly statements. Seterus has included the discharged crammed down debt as interest still owed on the loan also Seterus has added the discharged debt to payoff statement s that I have requested on the loan since XX/XX/XXXX. When the loan was sold or transferred to the new investor XXXX and loan servicing company XXXX the were given the wrong amount owed and a insurance policy that now has been canceled because of the negligence of Seterus.

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 2018-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
I went to the emergency room and was sent and paid the hospital bill but there was a separate charge for the physician. I never received a bill from XXXX XXXX XXXX and they turned it over to CMRE collection agency. I only discovered it when I was apply for a car loan and it ruined my credit. The emergency service was XX/XX/XXXX. The credit report showed a debt of {$970.00} dollars. CMRE never notified me in writing, email, text or phone call. Again I just discovered this last Thursday, XX/XX/XXXX. CMRE turned it over to the credit agencies and ruined my excellent credit which was XXXX!! Had I received a bill from the XXXX XXXX I would have paid it immediately. I lay all my bills as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXX I received a call from Chase offering me interest rate info. I don't bank with Chase and I don't want them calling me offering me anything. It was a robo call so I hung up. The number they called from is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received two collections letters from XXXX XXXX XXXX ( aka U.S. Bank ) on behalf of U.S. Treasury. I promptly wrote to them and provided evidence of identity theft for data services. Instead of addressing the issue, they processed my information as a " inability to pay due to financial hardship '', and mailed me a 5-page financial statement form to complete.

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 2018-10-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Seterus, Inc.
State: OH

Complaint narrative:
" QWR Notice of Error '' Multiple 524 Injunctions have been executed on my loan by Seterus starting at assignment into XX/XX/XXXX though XX/XX/XXXX.  Seterus took a position that they were granted a conditional relief of stay given by the courts and placed a Forced Placed Insurance Policy on the property while the stay was in affect. This statement is not accurate because the stay had a condition that if the debtor did not execute a payment to correct a deficiency in the loan the stay would go into effect. The payment was paid by the debtor so the stay was not issued per the courts the court added that if in the future Seterus would have to send the debtor notice of intent and Seterus has never done so. Seterus at that time issued a Forced placed insurance policy on the property while the debtors insurance was on file with the court this encumbrance was a direct violation of the debtors plan and the federal stay 524 Injunction. I am requesting all periodic monthly notices, payoff and monthly billing statements. Seterus was party to a reaffirmation agreement that reduced the debt for this loan as part of a chapter XXXX bankruptcy proceedings in XX/XX/XXXX. Ever since the signing of that agreement Seterus has asked for discharged debt on the monthly statements. Seterus has included the discharged crammed down debt as interest still owed on the loan also Seterus has added the discharged debt to payoff statement s that I have  requested on the loan since XX/XX/XXXX. When the loan was sold or transferred to the new investor XXXX and loan servicing company XXXX the were given the wrong amount owed and a insurance policy that now has been canceled because of the negligence of Seterus.

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 2018-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am a customer of Toyota Financial and currently have a loan opened in XX/XX/XXXX. I work for XXXX XXXX and the company is going under payroll changes to accommodate an integration between the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and those current changes are directly affecting my financial situation. 
On XX/XX/XXXX I received a letter from XXXX XXXX advising that due to the transition process, the XX/XX/XXXX paycheck would be affected and not paid to it's employees and the company offered an optional " bridge loan '', which would cover 25 hours of pay and repayment would start on our paycheck for XX/XX/XXXX for every pay cycle in ten installments, which on my case, I am paid on the XXXX and XXXX of each month and those twice a month repayments affected me directly for five months. That impacted my entire household financial responsibilities, including my car payments with Toyota Financial, and I started to accrue high late fees. 
On XXXX XXXX I received a second letter from XXXX informing that due to more changes on their payroll system, I will receive one less paycheck in XX/XX/XXXX, a total of 23 instead of 24 paychecks. 
As of today ( XX/XX/XXXX ), I have accrued {$190.00} in late fees with XXXX XXXX due to the changes on my payroll and current financial situation directly affected by my employment. I am also 3-days behind on my payments since XX/XX/XXXX. 
I contacted Toyota Financial Services on XX/XX/XXXX and requested an payment extension on my loan to help me to catch up with my payments while I am still dealing with my company 's payroll changes and gaps on pay, and spoke with XXXX, who introduced herself as a supervisor. I explained my unique situation and asked if I could get an extension on my loan and she simply told me that extension was not possible due to a past extension. 
I am sending this request to the CFPB to request some assistance on dealing with Toyota Financial Services to ask for a review on my current payment situation and a possible loan extension, since Toyota Financial Services is not reviewing my account and request based on my individual situation. I am including copies of all documentation for review.

Company response to consumer: Closed with explanation