vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-22 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Bank accounts  ( CD & Money Markets ) w as opened by single account owner with    XXXX   XXXX  .   XXXX   XXXX   closed. The bank accounts wound up with   XXXX   XXXX  , and now with U.S.  Bank. Somehow during this time, an additional name was added to account, without original owner knowing or authorizatio n. U.S. Bank r efuses to correct error and refuses to produce the SIGNATURE CARDS. We have been trying to get cooperation fr om U.S. Bank for over six ( 6 ) months. We have contacted their Executive Offices and spoken to several persons in Fraud Department and Senior Banker a  t (   XXXX   XXXX   XXXX . Finally,  one person to ld me to contact the  XXXX   XXXX  branc h manager named xxxx,  in  XXXX  and that is where the signature cards are located. ( I have never previously conducted any business in this branch. ) Several calls were made, messages left, and could not get a call back response. Finally spoke to  Assistant Branch Manager who told me to come into bank. She took my personal and all contact information  and promised to get back to me. She did not. Then she was getting information from  Corporate Office  and they would send letter directly. Allotted time passed without any response. She became increasingly more hostile with each additional phone call. She finally said they do not have to give any information or put anything in writing. Later, I went to another branch, a suburban branch. Spoke to the branch  manager, w ho listened, then said she would followup and get back in touch the next week. After not hearing back, I called, but was told she was busy. Left a message. After no call back and it was almost at the end of the business day, I contacted her. She said was waiting for information back from another source and In a very unfriendly voice stated she would contact me in  two ( 2 ) days. Time pas sed without contact. I called again, left message. Called again and she had someone tell me she no information for me.   With each contact person that I have spoken to over the las t six months, I told them there is a legal issue and the information is needed. Also, that I NEVER authorized anyone else to be on my accounts. They will not own up to AND refuses to correct the bank errors! However, they have given out incorrect information, which has caused a  XXXX  legal issue, currently in 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 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently requested copies of my statements and cancelled checks for the last year from my checking account. I was emailed 6 months worth of statements.  Wells Fargo sa id they could n't email the rest because " only some of them could be opened ''. They said they could only print them, but the files could not be opened. I then looked through the statements I did receive. I received  XXXX  different and conflicting statements for the month of   XXXX   XXXX   They are both clearly from the same account, and yet they have different information on the statements  ( one  said we were overdrawn for the month and the other said we had over {$4000.00} in our account ). When I spoke to  Wells Fargo  about these obvious problems in their records, and asked them to look into these problems. They said that they would not do that, it was against policy to investigate problems like these. Well, these are my records and since there is a very obvious problem, this needs to be addressed.

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 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I completed my  XXXX  in   XXXX   in   XX/XX/XXXX . I hav e worked for   XXXX   XXXX   in Colorado sin ce  XX/XX/XXXX . I n   XX/XX/XXXX , I a pplied for the  XXXX  loan forgive ness, Income based Repayment, a nd consolidated my loans. I called Navient this month to update my information ( change of employer and change in income ) and they informed me that my last 4 years of payments have n't qualified for the   XXXX   loan forgiveness because I consolidated my loans the week after applying for the IBR and therefore I was supposed to reapply. I have been making payments of {$30.00} more than I was supposed to ( which I do n't mind greatly ) BUT they are telling me I need to start my 10 years of payments over under the IBR if I want my loan forgiven aft er 120 qualifying payments. All I am trying to do is have my last four years of payments count. I ca n't afford to lose the {$25000.00} I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Franklin Credit Management Corporation
State: MI

Complaint narrative:
In  XXXX , I took out a second mortgage from   XXXX   XXXX  . In  XXXX , the loan was sold to   XXXX   XXXX  . In  XXXX , I obtained a release of lien so I could sell the property (  XXXX   XXXX ,  XXXX , MI  ).  At that time, the interest rate was hiked to almost double the original amount due to the loan no longer being a mortgage loan and I continued paying. Missed payments have greatly affected my  credit score.   The original loan was for {$47000.00}. Fast forward almost 20 years and the loan is still being reported to credit bureaus as a mortgage loan, it is now being collected throu gh Franklin Credit. Als o, I have struggled some financially in the past 5 years and had to ask for a re-aging of the loan. Even though I completed the deferment agreement which stated the late fee balance and interest would be tacked on to the end of the loan, this did not occur and penalties are still showing as due. After almost 20 years of paying, the balance is still around {$35000.00}. I am feeling preyed upon and do n't know how I can ever get out from under from this. Any assistance you could provide would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I asked  capital one for a  credit limit increase, I was denied due to not paying enough per month on my bill ( which is n't true ) besides payi ng 6 times the minimum amount due I pa y early every month also my balance is 10 % of my credit limit. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. However, I have reached out to the  US Bankruptcy Court  of  XXXX  - and they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against LVNV FUDNING for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I want to report  XXXX  credit card companies that keep disputing me and reporting me to the credit bureaus and making my credit very very bad. I have a socre of less than  XXXX  when I should have a  XXXX  or higher. I swear to you and the government that I never was late on any bill in my life. My husband late  XXXX   XXXX   XXXX   XXXX  was  XXXX  of   XXXX   XXXX   and we pay our bills even after he  XXXX . I have a Problem with  XXXX  and  Citic be cause I file a FTC report with Federal mCommission which my grandchild did for me and I also file police report 2 times and sent to both companies and still they fight me and will not remove from  XXXX ,  XXXX , and  XXXX . I have the files where I sent information. They sent  thousand of pag es of statements to me but no signature where I started the accounts. I swear I did not do this then they say my children or son in law do this but then I asked them for proof that it was my family and they did not sent and told me it was proof from transfer to another fraudulent account that is also on my credit. Then they say that I have funds transferred to a bank account at  XXXX  also that I did not open up.  Pldease, I am  retired and on benefits from my deceased husband who died of   XXXX   XXXX   XXXX   and I can not afford an attorney to fight this. This has caused me so much stress over the years and I am sorry for the companies that have been wronged with credit use and loss of money but I did not do this!!! I will go as far as an attorney if you can find a legal aid for a retired person on low income because I am not liable and I do not like my name is ruined because of these things on my credit bureau. I have never used my credit that much in the last 20 years except  XXXX ,   XXXX   XXXX   XXXX   and I assure you, I was never late for those or  XXXX  and  XXXX . I never was late on any bills ever. I had  XXXX  card with my husband ove r 20 or 30 y ears ago and never was late.  I had Sears  and  XXXX   XXXX  cards and never was late either. Please investigate for me.    XXXX   sent over one hunder eds of papers with statements and none with my signature on it. Citi said I transferred money to a  XXXX  account but I did n't even know they have a bank account in my name. I have talked to all of my family members and they did not do this because they say family did it and if so, then so be it. Whoever is responsible should pay for it not me. I need help with this 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
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I disputed multiple collection accounts  (    XXXX   XXXX   XXXX   &amp;  XXXX  ) with equifax and  XXXX . The accounts were deleted on both but now equifax has reinserted accounts from both collection agencies on my credit report. Also Equifax has been very uncooperative in removing the excessive amount of hard inquiries that I asked to be removed. I 've called and also faxed a multiple inquiry removal letter and have heard nothing back. My Score through equifax is really suffering, it 's close to  XXXX  points off from my other  XXXX  scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: OH

Complaint narrative:
XXXX   I opened a money market savings acct. No service fees with a small interest payment per month. The last statement I received from Key Bank was   XXXX   XXXX   Key Bank made the account dormant since there was n't activity, they stopped sending statements,  Key  Bank did not issue me  XXXX   XXXX  statements for the income. I found my check book and created a login to find out what happened to the account. It was still active and  Key  Bank started charging the account a {$18.00} monthly maintenance charge. I went to Key Bank   XXXX   XXXX   XXXX   XXXX   XXXX  , OH today (  X/XX/XX  ) and asked for a refund from  XXXX   XXXX . He was annoyed he had to talk to me since it was almost closing time and he was " busy '' he said he still had  XXXX  calls before he could help me. I waited. He was upset that the number was so old and he did n't recognize it. He has worked there over 20 years.   XXXX   would not refund my money and said it was part of the original paperwork I signed when I opened the account. The fee was n't charged for 5 years.  Key Bank  never sent me updated terms on the account, monthly statements for the account or the  XXXX  forms for tax purposes. They withdrew a total of {$660.00} that was unauthorized. I feel Key Bank was hiding the account, it had {$3200.00} in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent a address affidavit to have all incorrect addresses removed from my file. My name is spelled wrong on my   XXXX   report as well. Please see the attached documents and correct the error as requested thank you for your time and concern.

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 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc.
State: TX

Complaint narrative:
I pulled a copy of my  XXXX  credit report and learned that  Alliance One sl ammed my credit report  XXXX  different times for the same  XXXX  account. I called them to ascertain what this was about because they have never contacted me, or given me an opportunity to dispute this debt. I was told by the representative that those  XXXX  different accounts actually posting in my credit profile were invoices from the same  XXXX  account. How nefarious can you be? That is like reporting each invoice for a delinquent  XXXX  account. They know better! In addition to that, I do not have any recollection of this debt. They have never attempted to contact me prior to reporting those  XXXX  invoices to my credit profile. I have never been treated by the reporting medical facility. I am insured with   XXXX  . Any medical bills should have been reported to them. This is a serious violation of my rights because this collection agency knowingly slammed my credit report with  XXXX  different entries for  XXXX  account, according to their representative. This was a hideous attempt to hold my  credit score hostage t o collect on a debt. I am requesting that they are severely sanctioned because it is no telling how many other American citizens that have treated the same. When I spoke to  Alliance One, I  adamantly denied responsibility for this debt, and I requested that they not further report this in my credit file. At the time, they were only reporting to  XXXX .  Imagine my surprise w hen I learned that now  XXXX  and  XXXX  have the same manner of reporting in my credit file. This was after they were told to remove it from my   XXXX    profile. Please instruct them to remove this derogatory and erroneous information from all  XXXX  of my credit reports. Furthermore, discipline this collection agency and remove their ability to do business in this industry. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Today   XXXX   XXXX   XXXX    XXXX  the relationship  manager on m y file at SLS told me that even though we are in an acknowledged short sale review SLS can set a sale date and sell my home at anytime they like. She also said it with an attitude. This gal has always been short, curt, rude and unpleasant to deal with. Her comment about gave me a  XXXX   XXXX . It took a while to get an offer and just prior to the offer being sent over, she made the threat again. I was in a chapter  XXXX  for 5 years and have competed it. The trustee has been paying a little something to the bank but they wo n't tell me how much it was. I noticed that my escrow account has over {$17000.00} dollars in it at SLS and I have asked numerous times for a reconciliation and SLS refuse to give me  one. I h ave asked my escrow gal to ask for a reconciliation in hopes they will give  one to h er.  XXXX  's conduct in the short sale dept. fall 's far below the standards of care. They also refused to allow me {$3000.00} relocation assistance.

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 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I received a car loan  through Santander Consumer i n the year of   XXXX   XXXX   and I had Financial hardship due to a pending divorce is  XXXX  issues have got my car repossessed in  one day a nd but then receive car back the same day. I recently went on my credit report because I was looking to purchase another vehicle through a different company and noticed a Santander Consumer had placed and repossession on my record I was not informed that the car was going to be listed as a repossession. When I got my car back from  Santander period now three years later I have at Santander Consumer if they c ould unlist the car as a repossession on my credit report and they have declined to help me. Being that the car is still listed as a repossession on my credit report I am unable to obtain another vehicle in my name because of  Santander Consumer. Santander Consumer have no regards to people with financial hardships and do not care about their customer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: IA

Complaint narrative:
Filed prior grievance of company doubling reported amount owed from XXXX to over 6800 through credit bureaus. Through XXXX amount was reduced back to XXXX. Since then made settlement through XXXX XXXX 3rd party collection which reported correct original amount of XXXX when settling account. Showing paid in full middle of XX/XX/XXXX. Since then Lobel Financial raised again reported balance to XXXX on credit reporting agencies and shows amount owed. I have disputed again through financial agencies which came back with no change and again unexplained doubling of amount owed. the doubling of amount randomly appeared end of XX/XX/XXXX though for prior 3 years before doubling had a debt balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account #  XXXX  at Bank  of America was c harged a NSF fee on   XXXX     for {$35.00} and I came to know about it via an email later that day, which really should have been sent much sooner than   XXXX   XXXX   that day. Luckily, I retrieved it out of the  SPAM fold er as I have also been receiving quite a bit of fake/fraud emails to click on links for bank accounts. However, the perplexing thing about this is that I when I found about the account balance being less, I called the bank to confirm that if I deposit additional funds today, this fee would not be accessed or go through. I was told that this fee is temporary as long as the funds are deposited the same day before   XXXX   XXXX  , you will NOT be charged this fee. It will not appear the next day.   I did what the bank employee told me and deposited the additional funds to cover the balance, yet I was still charged this fee. So I 'm just baffled as to why I was mis-informed and advised to take an action yet still deal with the consequences. I am not sure what to make of this and feel mis-informed/led when I have my accounts linked and have a Bank credit card as to why I 'm getting charged this fee. The policy is confusing to understand and each banker has their own interpretation about what fees are charged.

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