vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I went to XXXX University for XXXX. The advisor said she was not going to pass me regardless of my grades. I then left that school and they kept putting loans in my name. Now I have almost 100,000 debt with Wellsfargo and XXXX XXXX. Wells fargo or XXXX XXXX will work with me on lowering the payments. Wellsfargo has already put negative information in my credit file so now I can not refinance my house or get another loan to consolidate them. To be quite frank I dont even know if these loans are mine???????? Wellsfargo calls me every couple of days and is really mean on the phone. I tell them my husband died so I am down to one income but they do not care. They want their MONEY. They think I am a bad person and is constantly threatening me by phone. I have tried for a year to work this out but they keep refusing. Here is an example. I just got paid XXXX and had to make a house payment of XXXX, I cant even pay my utilities. I currently have XXXX dollars left but still have to pay Water, Sewer, Electric, trash, and I have to go to a food pantry to try to squeeze enough money out to pay them. XXXX University is well known for failing students in their classes so they have to retake them and get paid again. This is Student Loan fraud and I should not have to pay these loans. That is what they did to me when they could not get any more loans out of me they told me that I failed and need to leave. I am so angry about this because they are a private XXXX university they are allowed to XXXX over anyone they please. Now I am faced with debt, possibly loosing my house, and trying to provide food for my family. I wished I had never gone there. As far as Wellsfargo they are worse, because they will call me constantly, then lock me out of my account so I have to call them just to make a 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 2020-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On/around XX/XX/XXXX I opened an online account with Citibank, to which I deposited {$25.00}. I also opened an account with XXXX XXXX XXXX, as their bank has more locations in the XXXX area. I opened the accounts so that I would have a bank local to this area, and to deposit an inheritance from my Mother 's passing in XX/XX/XXXX. 

Needless to say, I have had nothing but issues with Citibank. First, I received the card that would not allow me to activate. When I contacted their customer service, XX/XX/XXXX, I was told the account was put on hold and closed due to them not being able to validate my information via XXXX. Citibank informed I would be receiving the refund for the deposit balance via check in the mail. I contacted XXXX and was informed that my credit report was locked, thus, the reason Citibank could not open my account. I had my report unlocked at that time. Later this same week I received my XXXX XXXX XXXX account information. 

Several weeks go by and I had not received the refund from Citibank, so I contacted them again, XX/XX/XXXX, and was informed by a customer service representative that they could not locate the account or a deposit refund. I asked to be transferred to a supervisor who also attempted to locate my account, only to scroll down and find that it was on the next page of their information. He put me on hold for about 30 minutes, telling me they had not yet closed the account due to a hold placed on the account, but he would look into and ensure it was closed and I received a refund. He said they would contact me if anything further is needed, and that I would be receiving my refund in 5-7 days. 

Today, XX/XX/XXXX - Still no refund. Contacted Citibank, and they informed that this account is with the fraud department and would need to be closed thru them. I am beyond mortified and the level of customer service provided by this institution and their lack of support in that regard. I am not certain I'll ever receive a refund but wanted to file a formal complaint, as this, in more ways than one, infringes on basic consumer rights. NOTE : Each step of the way, I have verified my idendity on many occasions SSN, DOB, Address, Mother 's Maiden name ... feels like they even want my first born! It's crazy that I have to verify this information OVER, and OVER, and OVER, and OVER throughout 1 phone call with 1 person.

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 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violations all been sued this is part of those claims

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 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2019 Offer ( SEE ATTACHED ) : EARN A {$20.00} STATEMENT CREDIT AFTER YOU SPEND AT LEAST {$120.00} IN ELIGIBLE XXXX PURCHASES WITH YOUR CITI CARD. 

I completed this offer successfully, and Citibank CONFIRMED IT ( SEE ATTACHED ). Months later, I continued to ask customer support via chat when I will receive it, and they stated I WILL RECEIVE AN ADDITIONAL {$10.00} FOR THEIR REPEATED FAILURE TO PROVIDE ME THE {$20.00} AND THE MANY HOURS I HAVE SPENT ON THIS 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 2020-02-22 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I received a notification from XXXX XXXX and XXXX XXXX that a hard inquiry had been reported on my XXXX Credit report on XX/XX/2020 from : Institution Information XXXX XXXX  XXXX  XXXX, MD XXXX ( XXXX ) XXXX This inquiry was not authorized nor requested by 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 non-monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
Obtained a Massachusetts Heat Loan from Eastern Bank approximately seven years ago. On XX/XX/2020 I submitted payment # 83 of 84 payments. *4th payment ticket does not have final amount owed on it and states that " Before maturity we will send you a notice about your final payment. '' As of XX/XX/2020 I did not receive a final notice and needed to call Eastern Bank customer service. The woman I spoke to was very helpful and provided my final payment amount that is due on XX/XX/XXXX which is 1 week away and I explained I was not pleased I did not receive my final notice as stated. While the woman I spoke to was helpful, I would like to make the regulatory agency and Eastern Bank aware that it is unfair that I did not receive my final notice timely as the ticket book states.

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 2020-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I believe they allowed a debit transaction to go through which made my account over. Then they charged me {$10.00} over draft plus a {$6.00} a day fee for several days. For over {$60.00} in fees when I was only over maybe {$20.00}. I think this is predatory and wrong. They are doing the same thing as XXXX XXXX. Please investigate.

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 2020-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I not only should qualify for borrower defense to repayment, I should also qualify for public service loan forgiveness and I am just getting the runaround on both of these issues from XXXX. My loans were put into forbearance while my borrower defense application was being considered, I did not ask for my loans to be put in forbearance they chose to do that, but all of a sudden now I see I have a payment due in XXXX. I put in my application for public service loan forgiveness recently, for the second time, and they are saying they never received my first application which I did in 2016. I provided all of the documentation to show that I worked for XXXX   XXXX for the past 11 years and they are saying that I only qualify for four payments. All of this is a giant mess and it is so negatively affecting my life to the point that I really may become homeless because I have to pay such high rent because I can't qualify for any kind of mortgage because of my student loans which should be forgiven either through borrower defense or through public service loan forgiveness. I can not get a straight answer from anyone on any of this. I am a XXXX XXXX I am making no money and I'm doing the best I can I really need help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I got behind 1.5 payments with Loancare. Not badly but behind with Loancare. On XX/XX/XXXX I paid {$4400.00} to get current on my loan. I have spoke with them and they told me that is what it would take to get my loan current. I then made another payment to my loan on XX/XX/XXXX. This would of been for XXXX. So XXXX went by and the holidays and a slow XXXX XXXX ( I am in XXXX XXXX ) and I didn't make the payment for XXXX. I then called on XX/XX/XXXX to let them know I have the 2 payments for XXXX and XXXX to get caught up. They then told me I was 7 payments behind and will need {$15000.00} to avoid foreclosure attorneys. I told them I didn't understand and their math is wrong. I sent them all the documents to prove that their math is wrong. They then just kept denying my evidence. would not work with me and are trying to get me to do another 30 year refinance loan where I will have to pay a much higher interest rate, add 5 years to my mortgage and take the {$15000.00} that They say I owe them and add it to the end where that then gets compiled with a ton of interest where I will have to pay off at the end of the loan. I have talked to an attorney and they told me this is common scam in the mortgage industry to get more interest from you. I don't want to take legal action if I don't have to. I truly feel they are just bullying me into paying them a bunch of unnecessary interest. ( it has been since XX/XX/XXXX I have been dealing with this and No one is getting back with me or willing to work with me as I have been calling 3 times a week for over a month )

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 2020-02-22 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: DISCOVER BANK
State: NY

Complaint narrative:
I have submitted 2 complaints already about my discover card. Yesterday XX/XX/2020 I was able to get online to view my account and make a payment. Today I can't get online again. I've called several times and they will not fix this problem. I also received 2 letters from them the other day. One states the re-investigation is closed and the other one states the investigation with the fraud charges were approved and in my favor. However there is a discrepancy of {$1000.00} still not credited back to my account. I don't no what they are doing but I am fustrated at the fact that I can't even get online to view my account. They are giving me a very hard time in resolving these issues. I expect to be able to get back online and keep a tab on my account along with getting the credit back to my card that was fraudulantly taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/2019, I have submit online dispute on equifax.com to mention that they put other person 's credit history to mine. That guy owe money and had late payment which affect my credit score. His first name is similar to mine. 

I asked them to resolve this and have no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I'll try to keep this brief and concise : My parents both passed away ( father passed in XXXX, mother passed in XXXX ) and defaulted on their mortgage to XXXX XXXX ( Formally XXXX XXXX  ). 

The mortgage debt was sent to a collection agency named Rushmore Loan Management Services LLC. Rushmore Loan Management sent a notice to the defaulted mortgage address on XX/XX/XXXX, providing an overview of debt repayment options, addressed to the Estate. There was no Executor of the Estate, due to my parents passing with far more liabilities than assets, there was no inheritance, no one wanted the house, we let the mortgage company take the house. I called Rushmore at ( XXXX ) XXXX to explain the situation. 

Eventually the house was cleaned out, and the bank took possession of it on XX/XX/XXXX. Shortly after this date, I received a 1099-MISC form from Rushmore, stating {$7000.00} in Box 3 for Other Income. I  personally never had a loan with Rushmore or XXXX XXXX, I've never had a mortgage in my name, ever. I have also not received any money, checks, or debt relief, since I've never had a mortgage. I've called Rushmore multiple times around XX/XX/XXXX to address this issue, and they verified that I did not have a file or an account being managed by this company. I was instructed to write a letter with accompanying documentation to : Notices of Error, Requests for Information and Complaints Rushmore Loan Management Services LLC XXXX. XXXX  XXXX XXXX, CA XXXX I sent them a letter stating the issue, a copy of the 1099-MIC, death certificates of both my parents, and a copy of the page they sent to the Estate. A few days later, I received a notice from Rushmore stating that " There is no written authorization on file from the borrower ( s ) authorizing Rushmore to discuss this loan with you. '' They have not acknowledged sending this 1099-MISC and have no intentions of remedying it. Their reply is correct -- I do not have authorization for the loan, it was my parent 's loan and not mine. There was absolutely no reason to send me this 1099-MISC. They are not even addressing the erroneous 1099-MISC document that they sent me. I will upload all of my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: New Direction, Inc
State: NY

Complaint narrative:
I had a credit line with XXXX XXXX XXXX ( https : //XXXX  ). I enrolled the balance into a debt relief program New Direction ( https : //nddebtrelief.com ) which forced the debt to go into collection and later on sold to XXXX XXXX XXXX - XXXX XXXX XXXX. New Direction has reached a settlement a agreement with XXXX and the agreed amount was settled and paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX  and they asked for New Direction to contact XXXX XXXX XXXX at ( XXXX ). I contacted New Direction but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence that was issued through XXXX XXXX. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done almost a month and a half ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively. I have opened a CFPB complaint and all involved party have responded inadequately and the issue is still unresolved. As it stands now, one or more of the involved parties have conspired to pocket my payment towards the debt settlement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I had a credit line with XXXX XXXX XXXX ( https : XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( https : //XXXX  ) which forced the debt to go into collection and later on sold to LVNV Funding LLC - Resurgent Capital Services. XXXX XXXX has reached a settlement a agreement with LVNV and the agreed amount was settled and paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted LVNV and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence that was issued through XXXX XXXX. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of LVNV. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done almost a month and a half ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively. I have opened a CFPB complaint and all involved party have responded inadequately and the issue is still unresolved. As it stands now, one or more of the involved parties have conspired to pocket my payment towards the debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/2020, I made an electronic funds transfer to pay the full balance of my credit card account, in the amount of {$9100.00}. The following month, I received my credit card statement showing a balance owed of {$75.00}. The credit card company was trying to charge me interest. The account statement shows the activity and clearly shows the credit card company charging me twelve days ( 12 ) after the balance was paid in full. I think this is an unfair and potentially unlawful lending practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-22 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: NY

Complaint narrative:
Error was not fixed.

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 2020-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: CA

Complaint narrative:
We recently did a mortgage modification with Statebridge Company , LLC. During this process, we were initially denied because they made a mistake denied us based on using only one source of income, rather than two. Then had to dispute this and reapply, ensuring that they try to qualify us using BOTH sources of income. We were then approved for a trial modification. We were then denied our modification because they held 3 of our payments and posted them late. I was then forced to dispute this and provided receipt of my wire transfer confirmation. The modification was then approved. 

Since then, the mortgage statements have consistently arrived after the XXXX of the month ( when payment is due ), and there has been an overdue payment of XXXX. This was not included in our modification paperwork, nor were we sent a bill identifying what these fees are. I have made multiple attempts, by calling and emailing, to find out what this charge is for. The customer service agent tells me that it's for various charges, and directs us to speak with the lady that handled the modification directly. No one has reached out to resolve this issue and I do not believe that we are liable for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
Base on previous complint against the debt collector on XX/XX/2019. cfpb case No. XXXX. The Original Creditor XXXX XXXX  had issue a letter to me indicading that I do not owe this debt and will notify the Law Office of Harris and Zide and creditor XXXX XXXX XXXX, XXXX, to stop harrasing me in this matter. Apparently, I am still getting letter and phone calls day and night from the attorney 's office ( Harris and Zide ) and XXXX XXXX XXXX, XXXX. Please stop them from giving me miserys which it has been many years.

Company response to consumer: Closed with explanation