vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On    XXXX   XXXX    , 2017 I  responded to promotion b y Wells Fargo,  in obtaining a  Visa  card from them. The promotion stipulated, " {$200.00} Cash Rewards Bonus when you use your new card to make {$1000.00} in purchases in the first 3 months. '' I saved PDF of the promotion and the application, which I electronically submits to  Wells Fargo .   On   XXXX   XXXX    2017  I faxed their  Executive O ffice (  XXXX ,  XXXX , and  XXXX  ) about refusal of the Rewards Departmen t of W.F., in givin g me the {$200.00} cash-reward, as I had already (  1 )  spent over {$1000.00} using the  W.F . credit card and (  2 )  paid off the outstanding balance on the credit card. In so doing, I also faxed them the PDF of the promotion, upon which I had obtained the credit card. Attached please find PDF of the promotion, to which I responded. and my letter to  W.F.    Apparently,  W.F. , was telling me that ( 1 ) instead of the {$200.00}, they wanted to pay me {$150.00} and apparently they wanted to defer the {$150.00} payment to   XXXX  2017   .   Soon after opening the account, it became clear to me that there was absence of integrity and banker 's mindset deeply rooted at  W.F.,  upon which I stopped using their credit card, altogether. Further, I probably shall commence legal action agains t W.  F.,  should they fail, in paying off the {$200.00} to me by   XXXX  2017   .   They are numerous other issues with W.F. Credit Card, such as their refusal in paying the rewards promised as percentage of your spending, as they demand to pay such rewards in {$25.00} or {$50.00} incriminates. As such you can not only redeem {$50.00} on a {$70.00} accumulated rewards.

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 2017-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
XXXX   XXXX   I requested a copy of my credit report that is when I learned that my former partner ( Borrower ) was no longer contributing to this loan and filed bankruptcy on it. Since I am the co-borrower I was held liable for this loan which I was never notified by former partner or Mortgage Co that this loan was in default. I contacted mortgage company in   XXXX   XXXX   at which time back payments had been caught up to date and at which time I requested information to modify this loan and also requested all information regarding this loan be sent to my address. No address update was made to this account and all communication was still being sent to my former partner in his name and to his address even after he filed bankruptcy on this loan   XXXX   XXXX   XXXX  . Starting in   XXXX   XXXX   I have left several voice mails to  the Residential Asset Manager assi gned to this account to date I have had no response. Have contacted reps and they said I have no choice but to speak to the asset  manager  and no one else is able to assist me. On   XXXX   XXXX   XXXX   a letter was addressed to my former partner and myself, sent once again to his address, regarding a request for loan modification. Information was completed and returned to mortgage company which I have followed up on multiple times and am still not able to find out any information regarding the loan or loan modification, all I am told when I contact mortgage company is I will have to wait to hear back from asset manger because this loan has been discharged, no idea what that means and no one there will explain it to me. I truly intend to repay this money that was borrowed but would like a little assistance in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC
State: NY

Complaint narrative:
I returned the bill to the sender with a note indicating that I never requested the publication and I do n't want any publication.

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 2017-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has  blocked my access, except to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: CA

Complaint narrative:
Since XXXX 2015 I have been trying to get my loan discharged from Navient. I am one of the XXXX  students that qualify for a discharge. I have sent all the necessary paperwork to both the DOE and Navient and as of today, I have no answer from either of them. DOE tell me that it 's Navient 's problem and Navient tells me that I need to contact DOE. I understand that even if I get the discharge that I 'm still responsible for the interest that accumulates but how much interest will I end up with if they do nothing but add interest to my loan that they are making no effort to discharge? I just want to get this settled, all my friends that attended XXXX have all had their loans discharged but me. I have this 53k+ loan it 's put a toll on my family and life, we are unable to move due to my credit. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: AR

Complaint narrative:
This complaint is in regar ds to National Enterprise Systems , Inc tr ying to collect {$1500.00} for a debt to  XXXX  that I have settled on  XXXX   XXXX ,  2017 .  XXXX  responded to a complaint through CFPB with a letter stating that they would accept my settlement offer and report that the account is settled in full. This is not a fair practice.

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 2017-05-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: MD

Complaint narrative:
Fe  dLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount du e, the excess amount is a prepayment. https :  XXXX  Very truly yours, /s/  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I ordered all  XXXX  credit reports to check my credit I needed a loan and they were saying that my scores were too low. After receiving the report I found many accounts under my ssn but I had received a letter from  Office of Personal Management  stating that their computers had been hacked then my husband was killed and a Bankruptcy was filed. I was in no way able to function because of this.   on    XX/XX/XXXX    I sent a letter to Wal-mart asking them to send me Pursuant to the the Fair debt collection Practices Act. " validation " that is competent evidence bearing my signature on the contract. I asked that they get back to me within 30 days and for them to contact the credit reporting agencies that I was disputing this. I was not contacted within the 30 days and it was not reported on my credit report as being disputed. I sent a second letter on   XX/XX/XXXX   and again   XX/XX/XXXX  . They never sent and thing except a letter saying they had transferred the account to a different company. The letter were all certified and with return receipt requested which I received. I   XX/XX/XXXX   I got a new credit report still wal-mart had not reported the card disputed. on   XX/XX/XXXX   I sent a letter to all  XXXX  credit reporting agencies asking for the same information at that time a dispute was put on the account but they did not not send me any information for 60 day under the  FDRC  they only have 30 day when i got the letters back the simply said it was validated. who Validated it and how was it validated? I have asked  4 ti me for the information and they will not send it to me. If they do not have a contract with my signature on it then it is not mine and I want it removed from my credit account.

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 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On    XXXX   XXXX    , 2017 I n oticed that my credir report dropped a significant amount. This was due to an error that   XXXX   XXXX   made. They erroneously reported that I was using between  12 and 29 % o f my credit for the month of  XXXX . On    XXXX   XXXX    , 2017 S upervisor at   XXXX   XXXX    XXXX  stated she would message the  XXXX  reporting agencies,  XXXX , Transunion and   XXXX   of the mistake. The mistake has not been corrected and needs to be corrected immediately as it has an impact on my va loan that is currently being processed. I have attached  2 scr een shots of my credit report. The correct  one and t he one that took a hit uneccessarily. Please fix this error ASAP.

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 2017-05-22 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: Innovis
State: CA

Complaint narrative:
On   XXXX   XXXX   , 2017, I w as referred to  XXXX   XXXX  company in  XXXX , Ca.   XXXX   XXXX   to get a pre-approval for a prospective property in   XXXX  County . Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on   XXXX   XXXX   , 2017,   instead. I emailed and faxed most of all documents to   XXXX   XXXX   in return email from   XXXX   XXXX   she asked if she could forward my bank 's statements to my realtor. With that email, I called   XXXX   XXXX  , I do not wish to move forward, something was not right.  Realtor  only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer af ter 36 hours  request to me, does not have a business to have personal financial sensitive information. After a phone conversation with  XXXX   XXXX , my husband and I decided not to move forward with loan and property. I advised  XXXX  Not to run my credit check, but she said she did anyway. On  XXXX   XXXX ,  2017, I le arned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to CBCInnovis (  XXXX    XXXX  company  used  )  about the inquiry. The respond from the agency stating that  XXXX   XXXX  indicated that  XX/XX/17     XXXX    XXXX   we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department  XXXX   XXXX  I spoke with the loa n officer for  your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with   XXXX   XXXX   from   XXXX   , 2017, and I e xchanged a handful of emails on     XX/XX/XXXX    , no authorization have been mention of running credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: Innovis
State: CA

Complaint narrative:
On XXXX XXXX, 2017, I was referred to XXXX XXXX XXXX in XXXX, Ca. XXXX XXXX to get a pre-approval for a prospective property in XXXX County. Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on XXXX XXXX, 2017, instead. I emailed and faxed most of all documents to XXXX XXXX, in return email from XXXX XXXX, she asked if she could forward my bank 's statements to my realtor. With that email, I called XXXX XXXX, I do not wish to move forward, something was not right. Realtor only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer after 36 hours request to me, does not have a business to have personal financial sensitive information. After a phone conversation with XXXX XXXX, my husband and I decided not to move forward with loan and property. I advised XXXX Not to run my credit check, but she said she did anyway. On XXXX XXXX, 2017, I learned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to CBCInnovis ( XXXX XXXX XXXX used ) about the inquiry. The respond from the agency stating that XXXX XXXX indicated that XX/XX/17 XXXX XXXX. we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department XXXX XXXX I spoke with the loan officer for your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with XXXX XXXX from XXXX, 2017, and I exchanged a handful of emails on XX/XX/XXXX, no authorization have been mention of running credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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:
credit bureaus have failed to remove fraudulent accounts off my file that 's a result of identity theft

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 2017-05-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC
State: VA

Complaint narrative:
XXXX   XXXX   ... ..    XXXX   XXXX     XXXX   gcservices    XXXX    XXXX   XXXX  called  XXXX  I returned the call from a different number.  XXXX  started giving out my account info after giving out all my account info. I feel my privacy rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX, 2017 I noticed that my credir report dropped a significant amount. This was due to an error that XXXX XXXX made. They erroneously reported that I was using between 12 and 29 % of my credit for the month of XX/XX/XXXX. On XXXX XXXX, 2017 Supervisor at XXXX XXXX XXXX stated she would message the XXXX reporting agencies, Equifax, XXXX and XXXX of the mistake. The mistake has not been corrected and needs to be corrected immediately as it has an impact on my va loan that is currently being processed. I have attached 2 screen shots of my credit report. The correct one and the one that took a hit uneccessarily. Please fix this error ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: KS

Complaint narrative:
Recently, I discovered that a collection agency named ProCollect had reported a collection balance on my credit report. Prior to the account appearing on my credit report, I never received a notice of my right to dispute. I contacted the company to file a complaint about not receiving a notice of my right to dispute prior to the account appearing on my credit file, but they did not remove the account from my report. This is a violation of the Fair Debt Collection Practices Act.     Additionally, I requested that Pro Collect verify the debt they were trying to collect by sending me a copy of the original signed lease as well as a detailed monthly pay history on this account, which clearly demonstrated where this supposed debt originated. The did send a copy of the lease, but they have not sent me a detailed explanation of how the {$1500.00} debt they are trying to collect was calculated. That is also a violation of the Fair Debt Collection Practices Act.     And finally, I also reached out to ProCollect about setting up payment arrangements should this debt ever be verified as legitimate. Their representatives informed me that they would not accept payments from me.  Reporting  a debt on one 's report, and refusing to accept payments towards the resolution of the debt is also a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: TX

Complaint narrative:
credit bureaus have failed to remove fraudulent accounts off my file that 's a result of identity theft

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 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
credit bureaus have failed to remove fraudulent accounts off my file that 's a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX  in response to the letter I received from the bureau s tating WILSHIRE COMMERCIAL CAPI updated this account reporting it NEWLY CHARGED OFF WHI CH IS A VIOLATION OF FAIR CREDIT REPORTING ACT ... THEY ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION IN THIS CASE THEY ARE IN MULTIPLE VIOLATIONS ... WHICH IS WHY CFPB HAS BEEN NOTIFIED. NEXT COMPLAINT IS GOING TO FTC IF THIS ERRONEOUS ACCOUNT IS NOT REMOVE FROM MY REPORT IMMEDIATLEY ...   THIS AUTO LOAN PAST DUE AMOUNT WAS PAID IN FULL BACK IN   XXXX  . NOW THEY POSTED THIS ACCOUNT ON THE CREDIT REPORT TO ALL  XXXX  BUREAU WHICH DROPPED MY CREDIT SCORES AND NOW I 'VE STARTED TO RECEIVE COLLECTION CALLS FROM THEM ATTEMPTING TO COLLECT DEBT THAT I DO N'T OWN IN FIRST PLACE, WAS PAID OFF AND IS OVER  7 YEARS OLD ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I reached out t o Navient  in  XXXX    XXXX   to renegotiate my payment to a lower amount, since my husband has been out of work for 3 months. They " lowered '' my payment, as I was told and it was supposed to begin in  XXXX . In  XXXX  and in  XXXX  they took out the original amount - not the payment I had agreed to, which was less than {$200.00}. I called them, spoke wit h three differ ent people who all gave me differing information. I asked the last representative why it shows on my account online that I owe them a payment of {$180.00} and they drafted {$250.00} from my bank account. She told me that I can not go by what it shows online. WHAT? This makes absolute ly zero sens e.   In addition, my original principal  on one  of my loans was {$12000.00} - disbursement date of  XXXX . That balance is now {$21000.00}. The other 's original principal was {$13000.00}. - disbursement date of  XXXX . The current balance on that is {$24000.00}. My total balance has risen by almost {$20000.00} while I have been paying on it for 10 years. I will never be able to pay this off and will be in major debt for the rest of my life with this arrangement. How the government allows these lenders and banks to completely run amok and take advantage of the people is beyond me. Something should be done!

Company response to consumer: Closed with explanation