vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XX/XX/2016 I fell behind on the payments due to the tenants not paying and wrecking the property. I let Bank of America know that I could not both fix up the property and make the mortgage payments. I applied for a HARP refi but was denied. They started the foreclosure process. I asked them for the full amount needed to stop the process and where to send the verified check. I sent them the funds. They lost the check and continued with the foreclosure. When they located the check they took the funds and promised that the foreclosure would be reversed. I have been sent a statement every month since and paid it on time. I found out that they never reversed the foreclosure and still have Bank of America as the recorded owner of record on title. I need to sell the house but can't because they are listed as the owner. I have tried several times over the past few months to get them to respond. They transfer me from dept to dept. I never get a call back or any update in the mail. They have basically stolen a house from me and continued to take my mortgage payments. Please help in any way you can to help me get my house back in my name.

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 2018-11-05 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: TX

Complaint narrative:
On XX/XX/XXXX, I had paid an account to XXXX XXXX in full and on time. It was in error that I was reported 30 Days late. I was given a letter from XXXX XXXX, the VP of the company stating this. I sent the letter to Experian. Experian will not take the late reporting off of my credit after several attempts to do so.

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 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: KY

Complaint narrative:
Selene Finance regularly holds my checks for up to 10 days before applying them to my account. My bank, XXXX, mails my checks to Selene to arrive on the XX/XX/XXXX of every month. They claim they don't receive them on the XX/XX/XXXX and that they process them when they arrive. I have been using XXXX for over a decade and all other checks arrive on time. I can not imagine a situation where all of my checks always arrive a week late  only to Selene. I've spoken to customer service about this situation and they claim the checks are processed the day they arrive. This company steals a week or more worth of interest from me every month. 

My bank mailed my XX/XX/XXXX payment to arrive on XX/XX/XXXX. They claim it didn't arrive until XX/XX/XXXX or XX/XX/XXXX depending on which report you look at. My XX/XX/XXXX payment was mailed to arrive on XX/XX/XXXX. They claim they still have not received it. Attached are notifications from the bank showing the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I had an internet account with XXXX ( now XXXX ) upon moving into my new apartment back in XX/XX/XXXX. Upon my roommate vacating the apartment in XX/XX/XXXX, he returned the equipment and verified there was a {$0.00} balance on the account. A few months later around XX/XX/XXXX I checked my credit report to see a collection in the amount of {$200.00} from Waypoint Resource Group representing the creditor XXXX XXXX XXXX that was opened XX/XX/XXXX. Waypoint never contacted me about this collection at all and the only reason I knew about it was by checking my credit score. I have tried to dispute this fraudulent collection with XXXX XXXX to no avail. I have also contacted XXXX between the dates of XX/XX/XXXX-XX/XX/XXXX in regards to the account and they have repeatedly stated that they see a {$0.00} balance on the account and the account was never sent to collections. Because of this fraudulent collection being placed on my credit, my credit score has plummeted at least 50 points on both my XXXX and XXXX credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have been receiving repeated calls from Portfolio Recovery Services. I have, on several occasions, verified myself and ask that all correspondence be sent to me in writing. I have explained to them that I suffer with XXXX XXXX and that the numerous calls are making me have XXXX XXXX. However, I am receiving multiple calls from them still. I have not received anything by mail as requested. They contact me all hours throughout the day, even when I explain I am at work and try to use scare tactics to keep me on the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX  to I C System which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. I C System has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of I C System. I C System is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

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 2018-11-05 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Dear CFPB : Please help. 
The following has occurred with Wells Fargo bank Checking account ( 1 ) The bank has unilaterally and arbitrarily assigned limitations of fund transfers including wire transfer within the United States of America and to other Wells Fargo accounts ( 2 ) The bank refuses to resolve and or lift restrictions ( 3 ) The bank imposes unreasonable requests : a. Going to ATM b. Locking out online c. Demanding to go to branches d. Foreign non-native English speakers in non-US-jurisdiction countries to handle account data and management ( incremental risk created by the bank ) e. The bank outsources data operations to unverified third parties like XXXX ( unregulated data, lacks privacy, bad data, and mostly bias ) We have been trying to send funds to a University for a XXXX degree. The bank has delayed, prevented, disrupted, and or/demanded unreasonable requests. Moreover, failed to disclose why and any legal grounds does the bank to withhold and/or prevent transfers to another bank of over {$5000.00}. 
There no law in the US that demands a BANK impose its own jurisdiction over deposited cash funds for self-interest. The account holder has not verbally or in writing agreed to impose this financial restriction on the account. 
Wells Fargo has a rogue history of discrimination against minorities and imposing artificial barriers to transfer funds including assigning risk onto accounts based on XXXX demographics. This violates the American and international law, norms, and values, notwithstanding unethical and illegal banking practices. 
The cost of travels to a branch and time, with the risk of penalties for failing to make timely tuition payments, is unacceptable, thus the cost must be passed on to the bank. 
In regards to human toll and the experience : my mother is in a wheelchair, she needs me to be at home and with her. I can not make extra travels to the bank just so they can prevent me from transferring my own money. My opinion is that American banks operate much a criminal cartel syndicate than reasonable economic stakeholders and partners to the American people. I am also being extorted amounts of {$30.00} for wire transfer, notwithstanding emotional stress as the cost for gas and time of travel. My mistake? depositing my funds with Wells Fargo. This mimics XXXX era financing and banking practices. Anyone with a Ph.D. degree on XXXX finance and banking laws and its restrictions on undesirables will be able to draw inferences and similarities to the banking cartel operating inside the US. 

Thank you

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 2018-11-05 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: PA

Complaint narrative:
Hello, I paid off everything on my credit card bill. Even though I did so, they charged me the usual interest fee I owed, when in debt. On my new bill, they still want to charge me interest. Even though I do not owe them anything except for my few new charges. I have contacted them about this via secure message through their website. It seems that I can not contact them anymore. I also asked to cancel my card. No response. I need help. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
The customer service is horrible, i have been dealing with navient for years and I can not afford the monthly payments as i am still living in government dorms so my check is not as much i have ask if there was any way i could pay less money and they told me no that i would have to pay the XXXX a month i have tried to get my loans deferred as i am in school and they told me i could only get a 60dy hold and if I'm not more than half time i will still have to pay i am a young XXXXyear old and they are messing up my credit for a degree i didn't even receive navient is very unhelpful and unreliable i would not recommend them to anyone they are not helpful and and if i pay the XXXX a month for 10 years that's over 20,000 when my loans where only supposed to be XXXX and with the mlitiary service member relief act i should be caped at 6 %. If you could help me in any way it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My mortgage account was paid in full with Mr. Cooper in XX/XX/XXXX. I never received a paid in full letter or a copy of the Satisfaction of Mortgage. I requested this information from them in XX/XX/XXXX and it was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX. Calls repeatedly, often multiple times per day. When I answer there is no one there and the call disconnects, so I can not ask them to stop calling. I have no outstanding debt of any kind, so should not be receiving these calls. I work nights, and the calls normally start between XXXX and XXXX, and continue throughout the day. 
Just called again today, Monday, XX/XX/18 at XXXX. Called Saturday, XX/XX/18 at XXXX XXXX. Friday, XX/XX/18 at XXXX XXXX. I could go on and on ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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:
XXXX  showing tu, XXXX, XXXX when i sent hacking and ftc reports

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 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
On or about the XX/XX/2018, I XXXX XXXX noticed a OneMain inquiry on my XXXX  consumer credit report dated XX/XX/2018. I am dealing with my identity being stolen and have a fraud alert posted on my XXXX consumer credit report. I contacted OneMain by phone on the XX/XX/2018, and was informed by the Representative, " who would not tell me their name '', that it would be deleted from the XXXX consumer credit report in 30 days. On or about the XX/XX/2018, I XXXX XXXX noticed the OneMain inquiry on my XXXX consumer credit report, # XXXX dated XX/XX/2018 still appearing. I mailed a second notice " validation letter '' in regards to this inquiries and explained that this was conducted without my consent or permission and is a violation of the FCRA, " Fair Credit Reporting Act ''. This action is causing the consumer injury, without proof of my consent or a certified copy of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
amex showing XXXX, XXXX, XXXX when i sent hacking and ftc reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  showing XXXX, XXXX, exp when i sent hacking and ftc reports

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 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I asked for a rate reduction on my line of credit and received First time : We regret that we are unable to offer member-initiated interest rate reviews on our Checking Line of Credits. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However at the discretion of the Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the Checking Line Of Credit by sending written notice to the member at least 45 days prior to the date the change becomes effective. 

Second time : We regret that a more favorable reply could not be made to your rate reduction request. Your feedback regarding your experience with our members service representatives have been brought to the attention of our training staff who will review the matter and follow-up with the personnel involved. Every effort will be made in the future to provide you with the prompt and efficient service to which you are entitled as a member of Navy Federal. 
Third time : We are unable to revert your rate due to not receiving a lien recorded title for the XXXX  XXXX. Once the lien recorded title is received, the interest rate will be reverted back to the Collateral rate. If we can be of further assistance, please let us know. Thank you for your membership. 
Fourth Time : Thank you reaching out for clarification, there was not a title lien on your Checking Line of Credit ( CLOC ) as we don't have collateral CLOC products. 
Regarding changing rates on CLOCs, unfortunately, we are unable to offer member-initiated interest rate reviews on our CLOCs. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However, at the discretion of our Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the CLOC by sending written notice to the member at least 45 days prior to the date the change becomes effective. If you have further questions, please let us know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
It's been many years trying to get credit limit with citi bank and always denied because they said the credit reports shows up high ratio on my credit cards which is not true. Spoke to XXXX the supervisor ID XXXX and asks to speak to his manager and he denied also ask for his manager name and he denied. I never missed any payment thru citi bank. I have my mortgage paid on time, my cars paid on time an excellent pay history and I just approve for an XXXX XXXX card and I still have the same limit with citi bank and always is the same issue if I try to get a credit limit.

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 2018-11-05 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I checked my credit score and found a new account had been added by the XXXX XXXX XXXX XXXX to my report for {$150.00}, which brought my credit down by over 50 points. I submitted a dispute on XX/XX/XXXX and the account was removed between XX/XX/XXXX and XX/XX/XXXX, but my credit is still impacted. Why am I paying the price for someone elses mistake? Ive been working so hard to get my credit raised, and because someone XXXX  up, its affecting me. This isnt right, how can I get my score fixed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I subscribed to a credit monitoring service through Experian. I have decided I would like to cancel the service. 

Following their prescribed procedure, I called the XXXX number and followed the prompts, which include entering my Social Security Number, ZIP code, numerical portion of my address, and my date of birth. The system then announced " you do not have a subscription with us. Goodbye '' and ended the call. 

I have called back several times and tried to reach an actual person. Their system appears to be impervious to such attempts. 

How can I stop them from taking my money every month? I see no way to do so.

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 2018-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nair & Levin, P.C.
State: CT

Complaint narrative:
Nair & Levin Law Offices of P.C. 
XXXX XXXX XXXX XXXX, CT XXXX On XX/XX/2018 they sent a Wage Garnishment to my work for a person who has the same name as me but it is not my debt : the Social Security number and home address of the person they were trying to attach the wages are not mine. A letter was sent to them from my employer stating such.

Company response to consumer: Closed with explanation