vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been a customer of Wells Fargo for over 10 years, I make my payments via telephone and in the last 6 months the process to use the telephone keeps sending me to a customer service rep., which take a tremendous amount of time. I have asked multiple time why this keeps happening and to no avail. Each time I am told that it was corrected and that they are proud of their work and assure me the problem has been corrected. Each month the same issue reoccurs. I have escalated this to be reviewed by Wells Fargo Executive Office complaint for review to zero satisfaction as they have not provided an answer for a single question I have as to why and they continue to be condescending and indignity. They have now created a case stating that I am not satisfied with their customer service to completely avoid answering the question as to why repeatedly I keep being forwarded to a customer service rep when making a telephonic payment. I have been passed around by the following people who tell me they are not the right person to speak. This run around has occurred for over 36 hours on the telephone. I was told that a ( XXXX ) had resolved my complaint, never spoke with anyone-complete fabrication ) and as of XX/XX/2018 the issue is still not resolved. 
I have had telephone contact with the following people in the Exec Office Complaint Review ( XXXX, XXXX, XXXX, XXXX, and lastly XXXX who was very condescending and passive aggressive and refused on 9 separate times to provide me with her supervisors name only stating that she reports to the Executive Office, and that by provide that as an answer she was responding to my question. ( very passive aggressive ) they provided fast talk, avoidance and no response to my question and when I stated that I would be filing with the CFPB I was informed that I should not be making threats. So I am immediately filing this complaint to follow through that it is not a threat only a promise to obtain a resolution to this issue that they refuse to provide.

In total I have spent 36 hrs to this point, just trying to get a satisfactory resolution, to no avail. I DO NOT WISH to have any of these listed Wells Fargo personnel to assist me as I can not afford the time or have the luxury to spend any more time on this matter which appears that is what they are hoping for.. Please help me obtain competent personal that can correct this matter and not just provide rhetoric and no resolution.

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 2018-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was appointed as Guardian of my father, XXXX, on XX/XX/XXXX. Subsequently, his property was deposited in eight ( 8 ) bank accounts, including a Bank of America account. The account is titled, MY NAME, Guardian of XXXX Joint w/ Guardianship Clerk XXXX County . My father, XXXX  died on XX/XX/XXXX. Thereafter, my attorneys, XXXX & XXXX, filed a Petition on my behalf in the XXXX County Surrogate 's Court, and on XX/XX/XXXX, I was appointed as Administrator of my father 's Estate. As fiduciary, I have proceeded to close seven ( 7 ) of the Guardianship accounts, with the exception of the Bank of America account. The branch manager has been totally incompetent. At first I was told I could go to any branch with the appropriate documents and close out the account. Then I was told that I had to come to her branch. After going to her branch, she once again refused to close out the account. At my insistence, she finally reached out to her legal department and she was informed that I needed documentation from the Guardianship Clerk. That information is totally incorrect. Once my father passed away, it was out of the hands of the Guardianship Clerk, and it was necessary for me to file my Petition for Administration of his Estate with the Surrogate 's Court.

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 2018-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX with the Federal Student Aid Program offering me a Forgiveness program ( which I found out later that it was fraudulent ). At the time they explained that I should immediately stop paying Navient and begin paying them and that my loans would go directly to the Dept. of Education because they were a government company. I began receiving documents from Navient ( who was the initial company I was paying my student loans to ) on XX/XX/XXXX stating that they are helping me with a direct consolidation loan, which I already had for several years and have been paying on for several years. I notified the " Federal Student Aid Center '' and they refused to return my calls but sent a text message stating that the documents I received were in line with what was needed for my forgiveness and to not do anything with the documents. on XX/XX/XXXX I  received another letter stating that my student loan amount of {$48000.00} will now be {$82000.00}. I have been paying for over 10 years and began this journey with a {$24000.00} student loan debt. I do not understand how a {$24000.00} total can end up being XXXX  when I have never been garnished or in default. I have had forbearances and deferments but that has not been within the last 10 years.

In addition, in XX/XX/XXXX when Sallie Mae split becoming Sallie Mae and Navient, my loans went from XXXX ( due to interest from forbearances and deferments ) to XXXX  and my fixed 2 % when to over 3 % and is now at 3.875 % They also gradually every year went up on the amount they took from my bank account without notification. I work for a XXXX and have not received a raise in over 8 years. So while they were taking money and not working with me to make appropriate payments, they were increasing the amount that they were taking out of my account and I am now in Jeopardy of losing my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP
State: NE

Complaint narrative:
I recently turned in a lease thru US Bank. I paid the lease off early and was almost 3000 miles under the lease agreement. About a month after I turned in the lease a received a bill from US bank for {$930.00} for wear and tear and a contract termination fee ( {$390.00} ). The letter said I could call them to dispute any of the charges. Included in those charges was {$35.00} to replace oil, which was changed as scheduled at the dealership us bank does business with. {$200.00} for scratches in the truck bed, it's a truck and this is not covered in the lease agreement. US bank called me before the bill was due for payment on XX/XX/XXXX asking for payment. I attempted to dispute the charges of the oil change and truck bed scratches and was told it was non negotiable, which is very deceptive since letter says to call them to dispute. I asked to pay {$700.00} and wanted to dispute the rest of the charges. The rep told me the vehicle was already sold and that nothing could be disputed.

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 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a Bank of America Travel rewards card around XX/XX/18, and earned XXXX rewards worth about {$630.00} On XX/XX/XXXX I got a letter that my account was shutdown, by their credit department.

I called to try to use my rewards and I was informed that they were lost.

I am filing a complaint because I want my rewards that are rightfully mine

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 2018-08-15 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: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and XXXX  credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1. AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX or ( XXXX ) XXXX {$680.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
On XX/XX/2018 A letter sent to me from XXXX XXXX XXXX a collection agency.

regarding breach of lease agreement in the amount of XXXX I was a cosigner for my daughter on a lease for a rental. She had paid all her rent owed every month. When she left we cleaned the space and a couple weeks later the landlord sent a letter of damages due minus the security deposit. He sent it with several invoices from companies to perform work of said damages. these were only estimates not paid work that was done. The charges were from everything from gardener picking up dog feces to a charge for the entire property being pressure washed. Approx 3000 square feet. her rental space was an attached two bedroom granny flat to the primary home.

and other charges for repairs for his property that have nothing to do with the rental space. When I called the collection agency they informed me it was filed by a third party and that I needed to reach out to the person listed as the creditor. Which is the landlord, I called him several times and he has not returned my phone calls. I have sent a certified letter to both the creditor and collections agency that I strongly dispute this action. How can a landlord turn a renter into collection for made up charges for repairs to his property that he has not even paid for himself and these charges are false ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
constantly calling my employer,4-6 times a day and hanging up.

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 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Deposit a {$600.00} check at my BOA branch 's ATM on Sat XX/XX/XXXX, XXXX.

BOA put a instant 'HOLD ' on it until XX/XX/XXXX, XXXX.

Talked to the issuing bank XXXX  and they informed me the check cleared on XX/XX/XXXX.

Called BOA last two days and escalated both times to an Supervisor.

BOA tells me the Risk Department refuses to lift the hold.

Big problem with BOA, keeping my funds from me after the check already cleared.

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 2018-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/18 Experian has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX XXXX was never later, but Experian is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but Experian reports me owing them.

4 ) XXXX XXXX XXXX sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. Experian consistently & fraudulently puts them on and off of my report as a charge off.

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 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX. I went to the atm at Huntington Bank at XXXX XXXX XXXX XXXX XXXX XXXX, MI. I withdrew {$460.00} off my debit card from XXXX XXXX XXXX in XXXX, MI. I was then going to deposit the money into my Huntington Bank Account to cover my rent check which I wrote from my Huntington Bank Account. The atm sucked my money back into machine before I had a chance to take it out. I immediately contacted Huntington Bank and talk to XXXX XXXX   a customer service representative at the XXXX Branch. I was told that I would have to wait 14 days for my money to be returned because their atms are vendor fed and vendor balanced. i have never heard of this and when I contacted XXXX  a Customer Service Representative at XXXX XXXX XXXX  she never heard of this either. I had this happened one other time at another bank and they went out and checked atm and my money was sitting in back of machine. XXXX   called XXXX XXXX and was told the same thing there was nothing they could do but file a dispute and we did and he said it was taking care of. Well on XX/XX/XXXX the check was presented and I thought they would return it. I contacted my landlord and explained to him what happened and he asked me to write another check which I had my sister do ( I'm between paydays ) for {$440.00} plus {$15.00} for overdraft/return payment at his bank. Well they paid it even thought there obviously was no {$440.00} in my account. Now I am overdrawn by - {$400.00}. I should mention I did have {$40.00} left for groceries that was used towards the check. Another payment came thru which I had money for before this check payment and that put me overdrawn at - {$400.00}. I had a 24 hour grace period but being between paydays and borrowing money from my sister had nothing to put in the account. Well on XX/XX/XXXX I was slapped with a {$23.00} over draft fee leaving me overdrawn by - {$420.00} and Tuesday XX/XX/XXXX they slap me with an extended overdraft fee of {$25.00} now I'm overdrawn by - {$450.00}. Tuesday XX/XX/XXXX XXXX  from Huntington Bank Headquarters called and said they closed my case and my bank will have to dispute on their end. Are we serious? Two weeks of run around and stress. I contacted XXXX  at XXXX XXXX XXXX this morning and she filed a dispute. A {$460.00} withdrawal has cost me close to {$600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has received from my lawyer 2 police reports with official letters. They did receive it 2 times in 7 months. 

Police reports # XXXX XXXX and XXXX has remove the collection : The Bureaus from my reports because the polcie reports clearly state that I was victim of Identity theft. 

Equifax don't remove it and everytime we try with my lawyer to contact them they don't care and don't respect the law. 

I need EQUIFAX to remove immediately the false information that they are using on my credit reports by removing THE BUREAUS COLLECTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, our mortgage was transferred from XXXX  to Specialized Loan Servicing ( SLS ). On XX/XX/XXXX, XXXX had executed a HAMP modification on our mortgage, adding to the principal balance {$23000.00} of deferred interest. Since the modification, XXXX correctly applied our principal payments towards the deferred interest as shown in the enclosed XX/XX/XXXX andXX/XX/XXXX XXXX Tax Statements : {$3000.00} in XX/XX/XXXX and {$6500.00} in XX/XX/XXXX leaving a deferred interest balance of {$13000.00}. SLS erroneously did not apply ourXX/XX/XXXX principal payments towards the deferred interest balance as shown in the XX/XX/XXXX SLS Tax Statement and form XXXX.

To alert them of the error on the XX/XX/XXXX SLS Form XXXX, we contacted SLS several times by phone in XX/XX/XXXX and XX/XX/XXXX and then provided SLS with copies of the XX/XX/XXXX XXXX  Tax Statements by fax on XX/XX/XXXX and by email on XX/XX/XXXX. After multiple follow-up calls, we received a written response from SLS on XX/XX/XXXX : " We have researched your account, and our records indicate that the tax reporting described in your dispute was not in error. '' We contacted XXXX XXXX about this on XX/XX/XXXX and they opened a case with SLS. After multiple follow-ups by XXXX XXXX, we received a written response on XX/XX/XXXX from SLS falsely stating " As our records do not indicate a current deferred interest amount, we are unable to determine any necessary updates to the Form XXXX  for tax year XX/XX/XXXX ''. Enclosed in their response was a copy of theXX/XX/XXXX XXXX Tax Statement which clearly shows in capital letters the " DEFERRED INTEREST ( ADDED TO PRINCIPAL BALANCE ) '' for {$23000.00} as well as the " PAYMENTS APPLIED TO PREVIOUSLY DEFERRED INTEREST '' for {$3000.00} in XX/XX/XXXX and {$6500.00} in the XX/XX/XXXX XXXX Tax Statement.

In spite of the false denial by SLS, our account does have a deferred interest balance of {$13000.00} : {$23000.00} of deferred interest added to principal in XX/XX/XXXX minus {$3000.00} and {$6500.00} of payments applied to previously deferred interest in XX/XX/XXXX and XX/XX/XXXX respectively as shown in the Tax Statements of XXXX, the previous servicer of our mortgage.

A fair resolution will be for SLS to apply our principal payments to previously deferred interest until the current deferred interest balance of {$13000.00} is exhausted and report it accordingly on Form XXXX since XX/XX/XXXX when SLS took over our mortgage.

Thank you very much for your help with this 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 explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Green Square Company LLC.
State: KY

Complaint narrative:
This number calls me repeatedly and says I owe a debt and they are taking legal action. I dont owe a debt and they leave nasty messages on my phone. They wont say who they are just say legal department

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Credit Adjustments Inc
State: GA

Complaint narrative:
I received a letter stating my wages would be Garnished for Credit Adjusments Inc. I tried to contact them by phone in XX/XX/XXXX. Twice leaving messages asking to enter into a voluntary repayment plan. I never received return call and now they ARE garnishing my wages. I finally reached them and was told the only way to lift the wage garnishment was to pay off the entire amount of {$28000.00} and that even if I did enter into a repayment plan it would be in ADDITION to my wage garnishment. 

I would love to set up a long term repayment plan but they will not work with 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 2018-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/18 XXXX has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX ; was never later, but XXXX is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but XXXX reports me owing them.

4 ) XXXX XXXX XXXX sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. XXXX consistently & fraudulently puts them on and off of my report as a charge off.

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 2018-08-15 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: CA

Complaint narrative:
XX/XX/XXXX XXXX has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX ; was never later, but XXXX is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but XXXX reports me owing them.

4 ) XXXX XXXX XXXX  sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. XXXX  consistently & fraudulently puts them on and off of my report as a charge off.

Company response to consumer: Closed with explanation