vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
On Thursday, XX/XX/XXXX I receive a call from Navient to my mom 's house. That same day, I send a cease and desist letter through fax to Navient, and today, I receive and e-mailed communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
they repossed my car after I made a deal with him, and they promisse because I am making a large long sum every month. but few days later they sayid they called on 2 numbers that I don't know where where they came from trying to reach when they have my cell number on file to thell they ned a payment. I forgot to nention the only option they gave me is to make the payments through them only

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good afternoon, I divorced my wife over 18yrs ago. we had purchased a home together during our marriage, upon divorcing, I gave the house to her and signed over the deed to her. she was supposed to have Bank of America remove me from the Mortgage. I am now remarried now for over 15yrs and we are tying to purchase a home of our own. however because my previous residence that I shared with my ex wife is still on my credit it does not allow me to get a new mortgage. I have attempted to reach BOA and they basically laughed at me. it was court ordered for her to remove me from mortgage and she did not. I am not responsible for the home nor have I been for 18years. This NEEDS to be taken off of my credit report and solely in her name as per divorce decree.

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 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
It shows on my credit report that Credence Resource Management reported to XXXX XXXX that I owe them an amount of {$1400.00} on an XXXX XXXX XXXX  bill collection on XX/XX/2018.However, I have never received any type of written correspondence from them any time after the date the debt is reported. Which goes to say they have not provided me with any type of validation of this debt. The debt also continues to show on my credit report and I am aware they can not legally report a debt that has not been validated on my credit report and that it has to be taken off until validated. I have reason to believe as well that this is a possible scam.I currently have a dispute in process concerning the debt with XXXX. I believe as well the account has in fact crossed SOL for the state and type of debt. I've already tried sending them a debt validation letter and have not received a reply. I do not want to pay for a debt that is not mine and/or end up paying a fake collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Several months ago I received a phone call from a collection agency on behalf of XXXX XXXX XXXX  to collect an outstanding cell phone bill. I requested a breakdown of charges because I felt I was being over charged. The collection agency tried to correspond with XXXX XXXX XXXX  and never got a response so they released the debt. I never received any correspondence from XXXX XXXX XXXX  or debt collection agency after that. Until, upon checking my credit report saw that it had been reported as derogatory by this new debt agency Diversified Consultants. I found their contact info online and contacted them, as well as XXXX XXXX XXXX, only to find out the reason I never was contacted by diversified is because they had the wrong mailing address. They assumed I was not going to respond to them so they reported me as derogatory to the credit agencies. I explained to them that it would be impossible to pay them not knowing who was holding the debt. Its unfair that I only find out because it is on my credit report. Both diversified and XXXX XXXX XXXX refused to accept responsibility that they both had incorrect mailing information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in XX/XX/2017 I was released of liability from an automobile repossession. the information was distributed to all 3 credit bureaus telling them that the debt was paid in full. I have tried several times since XX/XX/2017 however my reports still show a balance.

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 2018-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
In XX/XX/2017, I contacted a mortgage company called Paramount Equity about refinancing my current VA home mortgage. I was finishing school and my VA benefits would end in XX/XX/XXXX. I told the representative that if I couldn't complete the process by XX/XX/XXXX there was no point in starting the process. I was reassured that everything would be fine and it would take just a few weeks to get it done. Weeks would drag by with no contact from anyone. Then I would receive an email saying that I needed to get something ; a termite inspection ( {$600.00} ), tax forms, pay stubs or getting the appraisal done ( several hundred dollars ) in the next 24 hours or it would halt the process. This happened numerous times, all the while they kept hitting my credit with inquiries telling me that they were of no consequence. After weeks and weeks, stretching into months and months, I was getting close to the point I was trying to avoid in the first place ; missing a house payment. When I did hear from someone, I was told to not worry, the end was nearly there. Well, because of their dragging their feet, I missed my XX/XX/XXXX payment. I then got a phone call that I was no longer eligible for the refi I was going for, but I could do a different refi, not take any money out ( we were hoping to pay off our cars ) and the interest rate would be much higher than we wanted. My credit score dropped, and I had to get a 2nd job to offset the change of income. If they would have actually done their jobs, or just told me it wasn't going to happen, I would not have missed the XX/XX/XXXX payment because the money I spent on the processes would have gone towards that 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 2018-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian Closed a Credit Card I have from XXXX XXXX. I have not closed the account and made my Score dropped 10 points all XXXX XXXX  did changed the lost 4 numbers the end of credit cared. I Spoke to EXPERIAN agent his name XXXX  refuses to listen to me this is the second times EXPERIAN done that to same credit cared.

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 2018-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I submitted a loan application with Regions Bank on XX/XX/XXXX. I was told everything was approved and they were just waiting on my payoff letter. I submitted that and we closed on XX/XX/XXXX with no mention from anyone that there was a difference in the loan amount and what payoff was. I signed under the impression everything was fine. On XX/XX/XXXX I received a letter from XXXX stating the payoff was short {$1600.00}. I pulled out my loan docs and the docs show the payoff amount being sent to XXXX  as correct but my loan is a different amount. They did not mail the correct amount to XXXX  and why is my loan amount different? My daughter reported the error to XXXX XXXX with Regions Bank in XXXX, the same day, XX/XX/XXXX and she stated the loan would have to be rekeyed and credit pulled again. I know XXXX and honestly believe thats what the underwriters at Regions told her. She would have fixed it if there was a way. I was not okay with them pulling my credit again when it was their error. My daughter then reached out to XXXX XXXX, Operations Mgr, who told my daughter that the branch mgr would call me on XX/XX/XXXX or XX/XX/XXXX at the latest with my options and I have yet to hear anything from them on how they are going to fix their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17 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: CA

Complaint narrative:
in XX/XX/2017 I was released of liability from an automobile repossession. the information was distributed to all 3 credit bureaus telling them that the debt was paid in full. I have tried several times since XX/XX/2017 however my reports still show a balance.

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 2018-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
inXX/XX/2017 I was released of liability from an automobile repossession. the information was distributed to all 3 credit bureaus telling them that the debt was paid in full. I have tried several times since XX/XX/2017 however my reports still show a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
Starting onXX/XX/18 up till today ( and perhaps after as well- ) XX/XX/18, I have received frequent and at varied times phone calls from these " debt collectors ''. They have yet to clarify as to what is owed, and although they persist in calling there are times where when picked up the line is " dead ''. The only way I even realized this was a debt collection agency was by XXXX the phone number and a website came up for, " Diversified Consultants. '' From what I have gathered they specialize in debts related to services such as Cable, or Cell Phone bills. Two things in which I have no hold upon, I have student loans, and credit cards, and that is it. Regardless, I am very aware of any debt I owe and I pay everything with precision. To now have this random number contact me and without any clear answer as to why is very frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased an item online at Best Buy in the month ofXX/XX/2018 for {$360.00} but I canceled it because it was delayed for over 10 days. After a few days I received my refund for {$360.00} and then I checked my online statement and I was charged again for the same price for a transaction date on XX/XX/XXXX but I never made another transaction for the same amount. I called Best Buy and first they said it will be fixed in the next month statement. In XX/XX/XXXX I saw the bill again and I called again and Best Buy said I made a second transaction but I told them I never did a second transaction for the same price and they said they will fix it. I called after a week and Best Buy said I need to pay the bill and I canceled my Best Buy account.

Below are the details for the transaction : EXPIRATION DATE XX/XX/XXXX126 Days Left PROMOTIONAL BALANCE {$360.00} NO INT W/PYMTS FOR 06 MOS ORIGINAL TRANSACTION AMOUNT {$360.00} TRANSACTION DATE XX/XX/XXXX DEFERRED INTEREST {$9.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview says not on loan, have power of attorney and faxed with my name and owners name see proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority
State: ME

Complaint narrative:
Today 's date is XX/XX/2018. On XX/XX/2018, we ( the student, XXXX XXXX ) and myself, as co-signer ( XXXX XXXX ) requested documentation that one of XXXX  's loans be shown as current. XXXX XXXX XXXX, the loan processing company, asked for proof that XXXX made a XX/XX/XXXX payment, which XXXX does not reflect. They show an XX/XX/XXXX payment for the XXXX bill, but they applied the most recent XX/XX/XXXX payment to the XXXX bill because they did not record the XXXX payment that XXXX made. XXXX took a screen shot of her XXXX 's bank statement for the selected transactions on XX/XX/2018. It displays the correct amount ( actually two payments ) debited for 'XXXX XXXX and XXXX XXXX. ' We faxed that over to the number XXXX provided. We were told it would be as many as 3 business days to get the adjustment made. I called back after 3 days and they moved the goal posts. It was now going to be 7-10 business days. I asked to speak with a supervisor, who sent an email to the XXXX branch, asking that this be expedited. I called back and got another supervisor, XXXX ( XXXX ), who asked for a detailed statement reflecting payments made to XXXX from XX/XX/2018. Instead we got a textual breakdown. Again, XXXX 's payment in XXXX, proof of which we faxed over is still missing in their records. We are not allowed to speak directly to anyone in XXXX, and I have to wait another 24 hours to speak with XXXX 's manager. Delays in their escalation process are painfully slow. And I think it is purposeful. Perhaps we should not have pointed out that we are trying to consolidate XXXX 's student loans and refinance with another lender, XXXX XXXX XXXX. We are on the clock to get the paperwork completed. Currently everything is approved except for the letter from XXXX showing that the loan payments are brought current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX capital one took payments out of incorrect bank account and was charged two over draft fees for these transactions. I have been getting payment taken from another bank account except this time. I didnt authorize them to use the bank account through XXXX bank. I closed my credit card accounts due to them fraudulently taking money out of the incorrect bank account and they wouldnt do anything to assist me with there error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is the second time I have filed a complaint with the CFPB regarding Wells Fargo Dealer Services ( WFDS ). This is also the second time I have made a monthly car loan payment to WFDS. The first complaint filed was regarding WFDS improperly applying my monthly over-payment as a payment carry-over ( held as a reduction against future payments ) instead of a direct pay-down of my principle owed. Last month, after my complaint to CFPB WFDS made a payment reversal and correctly applied the payment. This month, WFDS is incorrectly applying my payment again. They are capping my monthly payment and treating the amount over their cap as a payment carry-over to future payments instead of a direct pay-down of principle owed.

I received a call from WFDS shortly after my first complaint and requested that all future over-payments made to the account be applied directly to outstanding principle owed. WFDS agreed to make the correction but said they can not promise it would not happen again. It has occurred again so I am filing another complaint. I will continue to do so until WFDS correctly applies all future over-payments as direct pay-downs of principle owed. I also received a letter from WFDS indicating that someone from the " WF Office of the President '' would contact me. A representative reached out to me and left me a voicemail with their contact information. I have called the WF representative back twice and left two messages with ways to contact me. To date I have not received a call back. 

Thank you in advance for any help you can give me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I have contacted this company in regards to this collection account that's reporting on my credit report. The information does not belong to me at all. They have the wrong social and date of birth. I have advised this company to remove this account from my credit report, as it does not belong to me. 

I was never contacted by this company before this information was placed on my report. They never tried contacting me to dispute this wrong account. They have reported this information on my credit report as it has hurt my credit and caused harm to my score. They never provided me any information what so ever. They have totally violated my rights. I was advised from someone at their company that none of the personal information such as ( social and date of birth ) is correct. I am not sure how this account has ended up on my credit report. 

They violated my rights as a consumer because i never received any documents or communication before this account was added to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation