vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC
State: DC

Complaint narrative:
I disputed this claim in 45 days ago regarding this debt. It was never validated never given proof of debt or were it came from. I placed fraud alert on my account a month ago. They have put inquiries on my report that were n't authorize. I would like this company to validate their claims of debt. I have no paperwork from this collection nothing. The amount is for XXXX. I submitted a complaint to BBB XX/XX/2017 also.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I went through a terrible divorce, I was in an unfaithful abusive marriage and finally got the courage to leave. After starting out on my own I kept trying to get back on my feet, I was unsuccessful for a year and a half. I ended up homeless, jobless, and in turn car-less. I contacted the places I had credit through and tried to explain the situation, I had a medical bill due to the abuse, had maxed out my credit card trying to stay in horrid motels, etc. I have credit card debt, student loan debt, and a payday loan that I took out as a last resort. Most companies seemed to understand and assured me that they would n't put anything on my credit due to the 'natural disaster ' as it was put. I recently checked my credit report and it had since dropped XXXX points since this all began, in addition I now have XXXX XXXX XXXX ( cell phones ) and XXXX XXXX XXXX ( XXXX ) that I had with my ex-spouse, I guess he decided in this time, since it was in my name he 'd just rack up the charges and not pay them. Any time I contact any of these companies they are unwilling to help. My credit is completely ruined. I am barely getting by as it is now, but ca n't even obtain a small car loan because of all of this, luckily I found a house to rent from a private owner that went through an extremely volatile divorce as well. I was told to look into consolidation, but that would cost over {$400.00} a month for 4 years and would n't get rid of all of it, as far as my student loans go, I was told I 'm XXXX if they are behind in payments. I have to pay them up to date in order for them to help me.Three companies said they would help by not sending my accounts to collections but instead closed them and put it as 'charge off ' which I here is just as bad and will remain on my credit for the standard 7 years. It feels like this is a never ending cycle now. I can see why people stay in abusive relationships now because I left a negative for negative, I do n't see how XXXX is better than the other now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: GA

Complaint narrative:
I am a former student in XXXX GA, I was attending XXXX XXXX and had to drop out for a few semesters due to illness I have been paying on my student loans through Navient. I am currently seeing that there is a lawsuit against Navient. I am still currently paying them and want to make sure that I am not paying them for no reason. Can someone please assist me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: UT

Complaint narrative:
A request for validation was sent to this creditor on  XXXX / XXXX / 2017  via certified mail as I was n't sure what the account they are reporting on my credit is, or who the original creditor was. I did not receive any correspondence or information as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
See the attached email received from Bank of America in regards to joining an exclusive XXXX XXXX advisory panel. I have not been a customer of XXXX XXXX  for years. The email states in order to join I need to be a customer. It also states my family members can not be employed in the financial services industry. As a former employee BofA knows my spouse works in the financial services industry. Why are they sending this to me? Is it because they are so big that the left hand does n't know what the right hand is doing?

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 2017-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank made unauthorized name change to all of my checking and savings accounts. They changed my last name on all of the accounts to my name prior to my marriage which occurred twenty years ago.

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 2017-06-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
Sun Trust called me at XXXX for the purpose of collecting on a mortgage debt. It is very disruptive and extremely inconsiderate to be called that early in the morning. Further, this is a new mortgage transfer that gives me 60 days to make the payment and I have another 32 days to make the payment yet I have been repeatedly contacted. I have attached a picture of the phone called received by Sun Trust at 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 2017-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I am a widow and a XXXX veteran. XX/XX/XXXX - received preapproval letter from BOTW, found a new house, began loan process, sold my home as requirement to obtain loan from Bank of the West. Provided all docs as requested by BOTW, multiple times. Scheduled close on old home in Iowa was XX/XX/XXXX ; close on new house in Colorado was XX/XX/XXXX. On XX/XX/XXXX, received 3 calls from lender asking for more documents to be faxed, all docs previously sent. Late afternoon XX/XX/XXXX, receive call stating errors were made on the loan by the banker, and loan would be denied. She had mistakenly assumed my tax refund was a monthly income amount, and BOTW now decided I could n't afford the loan. They had literally months to confirm all income and catch any errors. Loaded XXXX in the drive ready to unload in new house. Received assurances that the issue was totally their fault and they would " make it right ''. Received new preapproval letter on XX/XX/XXXX to look for new house, as the first house specified must close on XX/XX/XXXX, so was unable to purchase. Arrived XXXX XXXX XX/XX/XXXX, loaded XXXX, XXXX sons, XXXX cats, XXXX dog, and myself. Advised by BOTW to find a place to stay, and they would expedite a new loan. Found new home on XX/XX/XXXX. Moved belongings into storage and myself into reasonably priced long stay motel. BOTW does not expedite, and in fact is not answering calls or emails from myself or my realtor. At the request of the realtor, I fired BOTW 4 weeks onto processing new loan. New loan closed new loan in 2 1/2 weeks. Due to this issue, I lost my entire savings. If had not HAD savings, I ca n't imagine what I would have done. I requested BOTW refund me the appraisal fee iao {$400.00} ( they did ), the inspection fee, the lost earnest money iao {$2000.00}, and the costs associated with losing the loan, a total of {$8500.00}. This amount includes housing, extra time on the XXXX, storage fees for my belongings, and boarding for my animals. I did not request reimbursement for gas to find another home or meals/groceries needed during this time. To date, I have received {$400.00} for the appraisal, and an offer of {$2000.00} if I will sign documents agreeing to leave them alone. We have exchanged numerous letters. They need to give me back the money lost due to their negligence.

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 2017-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was being charged {$2.00} for 3 consecutive months with no balance on my Macys ' account. I did not check my account thinking I have no balance but because of the interest charges, I have a balance of {$6.00}. I contacted Macys on XX/XX/XXXX and they informed me that my account was delinquent because of the {$6.00} balance that I have not paid for several months, which subsequently impacted my credit scores. I did not understand why I was being charged every month with no balance but I did not want to argue with them so I paid the {$6.00} interest charge in the desire to bring my account back to normal. After I paid they ensured me I had no more balance and this will not happen again. Yet, on XX/XX/XXXX when I checked my account, I saw the same {$2.00} interest charge. I contacted them again, they told me the same thing and made me pay another {$2.00} and said my balance is now XXXX. I checked my account again on XX/XX/XXXX and there it was, another {$2.00} interest charge. This time I called them and they said my account was not adjusted for the interest charges ; they will credit me a total of {$10.00} and this will not happen again. At this point, even if they credited me {$100.00}, it would not make a difference. As a consumer, I feel cheated and lied to. They charged me interest fees when I had no balance on the account as I always paid it off. They XXXX up my credit scores, which has been in very good standing until this happened.

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 2017-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Twice in the last week, Wells Fargo has made me change my online username and password ( which accesses two checking accounts, a credit card, and a student loan ), without explanation for why. I spent 30 minutes on the phone today, including with a supervisor, who said it could be anything from a pattern they see in my username, to " outside information '', or to someone actually accessing my account. She refused to disclose which category my issue has fallen into ( but would acknowledge I have a " case '' open in the investigations department ), which is neither helpful nor appropriate : if someone is somehow accessing my account, I need to know, so that I can discover how and properly protect my devices and other accounts. <P/>It is my account, I have the absolute right to know what is being done to it and why. The fact that I use a VPN ( with IP addresses within the United States ) and a password manager for my enormous and complex password should not restrict access to my account, yet I somehow feel this may be the case. <P/>This is simply the latest in a pattern of behavior from Wells Fargo under the umbrella of " fraud detection. '' They froze my cards just two months ago because I was three hours away from home -- within the same state -- and they determined this to be " fraudulent '', even though there was a trail of spending from home to my previous location to the location at the time the cards were  frozen. <P/>I do n't want Wells Fargo making unintelligent decisions on my behalf, I do n't want them determining what are and are not valid transactions, and I do n't want them pretending they know better without explaining why/how.

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 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
XXXX. NATIONSTAR Other Loan Late 120 Days {$0.00} XXXX XXXX, 2017 Account still states that I was late 120 Days. Payment history wrong. The account needs to be corrected on my credit reports. Please correct that I was not late just closing and did a deed in lieu. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I obtained a mortgage from Citibank for my home. I decided to use Citi for my mortgage because of a promotion they offered where they said that if I kept a minimum balance in a checking account they would reduce the interest rate by 1/8 th of a point ( percent ). They never applied the promotion that they promised. In XX/XX/XXXX, they sent a letter to me acknowledging that the interest rate discount to which I was entitled was " inadvertently not applied '' to my loan and they offered a check which would retro-actively reimburse me for less than 5-years of the amount that I had incorrectly been asked to overpay. In addition to not including any interest on the money they had unfairly collected, they have refused to apply the 1/8th of a point reduction to the ongoing interest rate that they have already admitted in writing that I should be receiving. This is totally unfair and I contacted the company to explain my position 3 times over the past 3 months : once at the local branch, once by phone and once by an escalation person that called back when I said I was not satisfied. In each of these conversations, the representative said the same thing : that I was correct that I should have received the lower interest rate but that they were not going to correct their error for any of the remaining 25 years on the loan. This represents a bait and switch theft of over {$31000.00} from me by the bank 's admitted wrongdoing.

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 2017-06-28 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: NY

Complaint narrative:
To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau Transunion, XXXX, XXXX i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.

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 2017-06-28 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: MA

Complaint narrative:
On  XXXX   XXXX   2017 , I faxed dispute letter to Equifax Credit Bureau. A month later I called them to check on the status of my dispute. I spoke with a supervisor who confirmed my dispute was received and to give them some time and they will send me the updated information. I still have not heard anything from Equifax Credit Bureau. I also requested a method of verification for the public records they have on my report and the accounts. I have accounts that are reporting closed but have late payment status. Also charged off accounts reporting late payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: TX

Complaint narrative:
I contacted Transunion about deleting negative inquiries reporting on my credit report that I did not authorize. Their customer service would not help 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 2017-06-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom It may concern On XXXX XXXX, XXXX, and XXXX XXXX, XXXX, I sent a certified letter to Equifax and XXXX informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. On XXXX XXXX, XXXX, I received two generic letters from Equifax stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from Equifax. I still not have received a response from my first letter from XXXX  and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have an Inquire fro m Comenitycapital/ XXXX   on  XXXX    XXXX ,2016  which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I do not have a contract with this company. They are trying to collect a debt that I do not owe them. I tried to dispute this through  XXXX .  XXXX  says the company says I owed this company {$2700.00} and  1st d elinquency was on  XXXX /2013. I 've never even heard of this company and I have no contract with them. This just popped up on my credit report within the la st 30days. It re ally brought my score down. Please help me. This is their info :  Convergent Outsourcing Inc,   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  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 2017-06-28 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
11. SYNCB/XXXX Other Loan Late 60 Days {$0.00} XXXX. XXXX, 2015 States that I am 60 days late. I never opened this account and just want it corrected with the late payments and removed. Please ...

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