vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-04 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: MD

Complaint narrative:
On XX/XX/XXXX, a Presentment under notary seal of dispute and verify the alleged debt was sent to XXXX XXXX XXXX  dba XXXX Fedloan Services. XX/XX/XXXX a Notary Certificate of Dishonor and Non-Response was sent. Fedloan Services continued to send collection notices for this alleged debt that they would not validate under THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT. On XX/XX/XXXX Fedloan Services accepted a permanent loan modification fully satisfying the alleged debt. Money Order XX/XX/XXXX XXXX was accepted and applied to alleged debt on XX/XX/XXXX having the Contract statement written in a conspicuous place : Full Satisfaction of all Claims. The terms of the contract  are clear according to XXXX Maryland XXXX COMMERCIAL LAW 3-311 & UCC 3-311. The alleged debt has not been discharged according to law. Fedloan Services is now threatening wage garnishments by way of the UNITED STATED POST OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
As os XX/XX/XXXXmy total balance with Navient was {$47000.00} including principle and interest. Since XXXX/XXXX/XXXX ( Last 6 months ) I have been making monthly income-based payments of {$150.00} for a total of {$920.00}. 

Naveint has confirmed receiving each payment as reflected by my credit report and Navient online portal. 

However, instead of my total Balance declining by the paid XXXX to {$46000.00}, it has increased by {$350.00} leaving my current total balance at {$48000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My husband has already tried dealing with Wells Fargo ( WF ), but they would n't respond to him since he 's not on the mortgage currently. He already filed a complaint through cfpb, and WF has n't resolved our issue. Background : immediately after purchasing our home we contacted WF about removing PMI from our mortgage because we immediatly had XXXX of equity, therefore not needing PMI due to our loan to value ratio. My husband spoke to WF agents on the phone, and confirmed that we could do this, we just needed to pay for an appraisal. WF sent us a letter at one point ( attached ) showing options for removing PMI, and we went over these options over the phone with a WF agent, and the agent agreed that we are allowed to have PMI removed. After having an appraisal done, which confirmed we have adequate loan to value, WF responded and said that we do n't qualify to have PMI removed. WF did acknowledge their " mistake '' and they did refund us our appraisal fee. They have refused to remove PMI from our mortgage as previously promised. We believe WF has broken federal law in their lies to us during this process. We request WF to remove PMI like they originally promised, and to refund us the PMI fees we have continued to pay.

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 2017-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: NC

Complaint narrative:
I did receive a written notice, and it did inform me that if I did not dispute that I would owe the collected amount. I was provided services that I repeatedly tried to refuse, and therefore I was forced to undergo these services which told them over and over I could not afford to pay for and I did not want these services. 

If I did not comply and sign what they asked me to, I was not allowed to leave. I was also informed by the company who sent this bill to the debt collector, that I was not mentally well enough to be without care and supervision, which to my understanding means anything I signed during that time was due to the emotional impairment the hospital said I was under. They considered me legally not sane at the time, meaning anything I signed was due to emotional distress. Again, I was not allowed to leave until I signed papers which I was given no choice but to sign. I should not be expected to be held accountable for signing papers while under these conditions and under the understanding that I would be kept XXXX there until I complied.

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 2017-10-04 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:
CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about 8 months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX. I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX ), they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, XXXX, or XXXX  approved one of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, my wife and I sent a letter to Equifax requesting them to investigate certain accounts on our credit report. My wife has received her response. However, after 45 days and counting, I still have n't received mine. I am attaching a copy of the letter that we sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
IN XXXX I sent a letter requesting verification of a debt/collection account reported on my credit report. 

The company responded that the original creditor could not provide the written document I requested and the item would be removed from my credit report. 

I then received a photocopy of a " final bill '' from the debt collection agency showing an incorrect address where service was provided and none of the information I 'd originally requested from the debtor which was a signed original service contract and a payment history. 

Again, I am requesting this account be removed from all XXXX of my credit reports as the information they have attempted to provide is not the items I originally requested and the photocopies they provided are from an address I 've never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I 've had identify theft for 2 years ( approx ) ... I believe related to the XXXX XXXX breach. I 've had multiple attempts through Bank of America to take out new credit cards, etc. I 've called Bank of America multiple times ... they tell me its all fixed and the card is cancelled ... and then it happens again and the card was never closed the first time. This is the third time now that I 've called them saying that I have a credit card and I 'm quite certain its the same card that never gets closed. I have no idea what to do to make sure that I have no accounts with Bank of America.

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 2017-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
I an contacting yall for a second time, someone from the company has contacted me about the issue, but my problem hasnt been resolved! They clearly terminated the person doing what she did, BUT now she has disclosed my information to other people that have been contacting me through social media and sending me messages. I WILL NOT be threatened due to this company issues! I have screenshots of everything also screenshots of the emails from a lady that is trying to handle everything but she is not helpful at all towards me! 


I want this resolved and something done!

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 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX made an erroneous filing of a " severely past due account '', which was submitted in error, based on a fraudulent theft of " courtesy checks '' from my mailbox that in a case they had investigated and closed ( see cfpb complaint XXXX. 

Without contact or notice Wells Fargo summarily blocked and closed this account, causing embarrassment and hardship on the card holder.

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 2017-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I filed a complaint with the office of the comptroller of the currency in XXXX XXXX then I received a letter from OCC stating my complaint does not fall under the direct jurisdiction and that my complaint has been forwarded to CFPB. " Brief Description '' My name is XXXX XXXX XXXX and my social security number has been placed unlawfully in check systems since approximately XXXX Bank of America claim suspected account XXXX. I do not believe that I XXXX the account. The account was paid in full quickly I have made attempts trying to get my name out of check systems and to settle the matter respectfully with the bank ; that included writing a dispute letter, talking with bank representatives in person at the banking branch, and calling on the phone, they have refused to take my name out of check systems. I 've tried to open a checking account and or savings account several times and have been shamefully denied.. Please investigate this matter on my behalf, the depths of the long term harm as my social security number has been in check systems for many years. If your office needs detailed information regarding the incident please do not hesitate to me on my cell phone at XXXX -- Thank you, XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Hello, I did not apply for a jcpenny card at anytime. The balance is XXXX but I did not have a JCPenny card. Opened in XXXX. I want it removed from my report! It was opened over 10 years ago and it was not by me. 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 2017-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
Money was withdrawn from my bank account that was no longer my bank account and this withdrawl was not authorized. Payments were being made to a XXXX party collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-04 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:
I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I, XXXX XXXX went to my bank ( Wells Fargo ) yesterday XXXX/XXXX/XXXX at XXXX am to make a withdrawal of {$XXXX} from the ATM # XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. My son was very late for work and after putting the ATM card in the machine and indicating the amount, he grabbed the card and drove off without taking the cash. Immediately afterward, he realized and returned to the ATM. But there was a message on the screen that said " cash retained ''. 

As such, I believed the bank would do the necessary adjustment. But that was definitely too much to consider of the bank. Two hours after I received a notice saying that my account has been overdrawn. So I then called the bank to report the matter. I was subsequently granted a claim number XXXX and was told that it will take approximately 10 to 15 days to investigate the matter.

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 2017-10-04 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: MA

Complaint narrative:
CFPB, Back about XXXX years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about XXXX months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX. I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX XXXX, they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX Eventually, after at least a dozen credit denials, a mistake was made by either XXXX XXXX XXXX Transunion approved XXXX of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.

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 2017-10-04 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: MA

Complaint narrative:
CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about XXXX months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX XXXX, they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, Experian, or XXXX approved XXXX of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.

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 2017-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX XXXX is not authorized to collect debt and I noticed was faxed into XXXX stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX XXXX is not authorized to collect debt and I noticed was faxed into XXXX stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NE

Complaint narrative:
Regarding my account with XXXX XXXX for a lease on the XXXX XXXX XXXX. 

XXXX XXXX added sales tax to my monthly payment in error. In the state of Iowa, you pay the sales tax for the year when you register the vehicle. They mistakenly, retroactively added sales tax to my monthly payment amount with out notifying me. I did not realize this until I logged into my account online and noticed they were claiming I was behind on my monthly payments. My monthly payments were taken automatically out of my checking account. 
I asked the rep two questions : 1 ) Why was the auto payment not adjusted accordingly so it at least did not appear I was late on my payments. They said there was a glitch in the system and it should have adjusted.
2 ) Why was I not notified of a change to my monthly payment amount so I could dispute it. No explanation could be provided. 
I was told on this call that they would confirm the vehicle was in fact registered in Iowa and would issue me a credit on my account. The credit was issued at a later date. 
I asked them if they would also correct my credit as they reported me late to the credit bureaus. I was told this would be done, but I see it has not as it still shows I paid 30-60 days late. 

I would like this reflected accurately on my credit report as I never made a late payment to XXXX XXXX.

Company response to consumer: Closed with explanation