vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I met all requirements of depositing XXXX into a checking account and 1 ) leaving it for 2 months and 2 ) keeping the checking account for 90 days to receive promotional reward of {$600.00}.

I have not received the reward and its way passed the due date. I have reported this to citi and they keep saying they will work on it and its now been over the timeline of them promising a resolution.

Checking the internet it seems citi is known to not pay their promotion rewards. Please see attachment for objective evidence. Please assist

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 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX ( XXXX  ) to inquire about my student loan debt, but they could not prove the amount. I asked for paperwork and it took a long time for them to supply it. In addition, a large portion was fees that were owed was payable to their company. In addition, in XX/XX/XXXX they agreed to forgo wage garnishment until I validated the debt. I received a notice of cancellation of garnishment in XX/XX/XXXXbut a notice of wage garnishment in XX/XX/XXXX. This is not enough time to research a decades-long debt. I was told to send an email to XXXX and I did. They stated that they received no such email. Finally, they did not offer any reasonable repayment amount as I am recovering from XXXX  and I only have a part-time XXXX XXXX position.

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 2019-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit
State: CA

Complaint narrative:
Contacted VW immediately after they gave me this loan. Letting them know, in the future I would be unable to make these payments. I called them again on XX/XX/2019 and the agent lied to me and said there was nothing they could do to restructure my loan. In fact, they have lied almost the entire year I've had the loan about this " fact. '' XXXX XXXX called me back after I hung up out of frustration and was abrasive on the phone, and continued to perpetuate the lie. I heard loud cackling and hysterical laughing in the background. Clearly I was the XXXX of their awful joke. 

I was put into an unaffordable loan, from day 1 with no regard for my budget or ability to pay the loan on a fixed income. All of these were disclosed when I made the purchase. 

I need to restructure my loan so that I can keep my car. Which I'm living in with my cats. I have appealed to VW Credit on multiple occasions. They know my situation and could not care less. I'm in jeopardy of losing my vehicle, which is also my home, due to the predatory lending practices involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
I was in negotiations for a short sale with my orignal loan servicer, XXXX. Initially I had applied for a modification but then decided it might be best to do a short sale. While negotiating, the lender had a sheriff sale date of XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX that my loan was being transferred to Selene Finance and that I would have to begin negotiations with them when they officially became the Servicer ( XX/XX/XXXX ). Upon the loan being transferred, Selene wasn't open to negotiating since it takes time for them to upload the loan into their system ... I was told it would take 1 week minimum. In the meantime, the Sheriff sale was pushed back to XX/XX/XXXX and I am short for time to either get a modification or a short sale done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I had student loans via Sallie Mae, and now Navient took over. I am a XXXX XXXX XXXX in a XXXX XXXX building where ALL XXXX  receive free lunch. I would hav qualified for all of my loans to be removed due to meeting all the qualifications for XXXX  Loan Forgiveness. I have never been a day late and they charge 8.25 % daily interest rate. I will have paid over {$500000.00} in the end for an {$85000.00} loan. This is CRIMINAL in my eyes and in the eyes of many! Due to Sallie Mae/Navient being a private lender I was informed on 3 occasions that I don't qualify for the forgiveness. They refuse to work with you to lower interest rate also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Ive was having trouble making payments due to a hardship I was going through in XXXX of 2018! I contacted them to make a goodwill adjustment but I was not responded to!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
In XX/XX/2018, we were notified by Fay Servicing that we were denied a loan modification. We spoke with our representative, XXXX XXXX, and he advised us to fill out paperwork to appeal the decision and apply for a modification. We emailed and sent a copy via certified mail on XX/XX/2018 of the appeal and the paperwork. We have not received any information from Fay Servicing since by either mail, email, or phone call. XXXX XXXX said that we would receive a decision within 30 days by mail. We have not received any letter or have had phone calls returned about our modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX  Credit Reporting agency was granted injunctive relief to not report public records such as bankruptcy which has resulted in my credit report missing information and/or inaccurately reported information. Some accounts have been reported as charged off, included in bankruptcy filings, and/or other erroneous information. This injunctive relief is being requested XXXX XXXX XXXX to be lifted and will be submitted to the court of record ( s ) for the following reasons. 
Attached is the immediate credit report following the discharge of the Chapter XXXX Bankruptcy with all of my accounts being listed. Some information remains incorrect such as a co-borrower who was also discharged on the XXXX XXXX XXXX account. Some accounts that were revolving accounts and directly drafted from my bank account such a XXXX debt amount reported may be inaccurate or contain fees, etc as this was a line of credit. XXXX XXXX who previously stated that this debt was included in the Chapter XXXX Bankruptcy was not an actual debt included and the surrendered vehicle in the second XXXX account should have been offset by any sale as well as the trade-in ( s ) after lease agreements expired, etc. 
Given the fact that this is the closest to accurate credit report and the only report that is supported by a Chapter Bankruptcy order, with no order in XXXX, the default order in XXXX will be requested by consumer XXXX XXXX XXXX to govern her credit history and the request will include indefinite reporting of all credit history to alleviate misinformation to the public and potential creditors. Equifax has not released a free credit report as it pertains to XXXX XXXX XXXX in two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX Credit Reporting agency was granted injunctive relief to not report public records such as bankruptcy which has resulted in my credit report missing information and/or inaccurately reported information. Some accounts have been reported as charged off, included in bankruptcy filings, and/or other erroneous information. This injunctive relief is being requested XXXX XXXX XXXX to be lifted and will be submitted to the court of record ( s ) for the following reasons.

Attached is the immediate credit report following the discharge of the Chapter XXXX Bankruptcy with all of my accounts being listed. Some information remains incorrect such as a co-borrower who was also discharged on the XXXX XXXX XXXX   account. Some accounts that were revolving accounts and directly drafted from my bank account such a XXXX debt amount reported may be inaccurate or contain fees, etc as this was a line of credit. XXXX XXXX  who previously stated that this debt was included in the Chapter XXXX Bankruptcy was not an actual debt included and the surrendered vehicle in the second XXXX account should have been offset by any sale as well as the trade-in ( s ) after lease agreements expired, etc.

Given the fact that this is the closest to accurate credit report and the only report that is supported by a Chapter Bankruptcy order, with no order in XX/XX/XXXX, the default order in XX/XX/XXXX will be requested by consumer XXXX XXXX XXXX to govern her credit history and the request will include indefinite reporting of all credit history to alleviate misinformation to the public and potential creditors. XXXX has not released a free credit report as it pertains to XXXX XXXX XXXX in two years.

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 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ) .However, in my records I am unable to locate  documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA . Also, XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation. XXXX XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX has not even tried to contact me regarding this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
USPS XXXX XX/XX/18 {$110.00} XXXX XXXX # XXXX XX/XX/18 {$13.00} XXXX # XXXX XX/XX/18 {$19.00} XXXX  online purchase XX/XX/18 {$9.00} XXXX  # XXXX XX/XX/18 {$15.00} XXXX  online purchase XX/XX/18 {$71.00} I wasnt even in the state of the purchases at the time and have shown proof that I was working in another state across the country. I have been dealing with this for four months and they are not being cooperative saying that I could have made the charges even though I have sent them my time cards from work in Minnesota showing I was working on the days of the charges in Georgia.

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 2019-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC
State: ND

Complaint narrative:
I have asked repeatedly to stop calling and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have not been able to get my credit report from transunion. When I call, they say everything is fine and I've asked them to send a copy via mail twice and I have not received it. It has been over a month. I have verfiied my identity like they asked by mailing my ssn and state ID. I signed up for the credit monitoring service which is $ XXXX/monthly and it's impossible to cancel. Their is not easy way. I have tried to cancel but the only way is to call customer service and wait extremely long.

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 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experion has been reporting to XXXX XXXX XXXX that I have accounts that are NOT MINE - they are XXXX, XXXX XXXX  and XXXX XXXX -i lived in XXXX XXXX , XXXX  where there was ANOTHER XXXX XXXX - my initial in my middle name is XXXX and someone she got my social security number because the USPS delivered wrong mail ( mine ) to her and hers ( to me ) - i filed a report with the XXXX XXXX police department and listed the ones that are NOT mine which are the ones Experion is reporting to XXXX impacting my ability to get an apartment. Because Experion will not work with me to correct this problem and remove these from my account - it totally stops my life I'm XXXX years old and was just relocating to XXXX to start a new life after getting a XXXX XXXX  and a chance to live again - this was after many many years of XXXX  and not working - not living - and now Experion has again made my life impossible I've lived 20 years of health issues and now when I'm healthy once again - I am stopped by someone elses issues - Experion will not let me file a dispute because they believe the information to be correct because it has all my personal information -- yes it does because this other person got all of the information when the USPS delivered my mail to this other persons ' home address and because of her dishonesty - I am the one who is suffering. I'm not saying that I've not had financial issues I have - I had not been able to work for many years and lived on SS but when I could work - I went back to work immediately - saving money to be able to pay for my medications that are expensive as well as saving to move to XXXX   there has to be something that someone can do to stop experion and the other credit bureaus from destroying people 's lives based on information they do not know to be correct ... they are guessing because the information matches only because of identity theft. So at XXXX I once again will be homeless and have nothing because I sold everything i own to be able to move to XXXX and start a new life -- this has to stop somewhere doesn't it -- you get sick with XXXX XXXX, go on XXXX, lose your job, can not work, and someone takes your identify and has a field day -- and I lose.

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 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
On XX/XX/XXXX I contacted OAC in XXXX Wisconsin for a debt placed on my XXXX report for {$59.00}. The debt was placed on XX/XX/2016. The collector told me that the payment will be reported to XXXX  and the debt will be removed within XXXX business days. Today, XX/XX/XXXX at XXXX pm, I called OAC to ask them if the removal request was sent. XXXX at OAC told me that it can take up to 120 days. I felt duped and felt like they lie to me. They have no intention to remove it. At least I would like the company to update my report that the debt has at least been paid.

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 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX XXXX reported to the IRS on XXXX for XXXX that I paid {$1300.00}. The amount of interest payments I actually paid in XXXX was : {$4700.00}. 

I reached out to resolve the tax information issue multiple times in early XXXX until the tax filing deadline. I was told on XX/XX/XXXX via email ( see attached ) that it will be corrected in the next XXXX XXXX. I filed my XXXX tax return only reporting {$1300.00} in interest paid hoping XXXX XXXX would resolve the deficiency. 

It did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by XXXX and reported by Wells Fargo Bank NV NA and Wells Fargo Home Mortgage. 

Wells Fargo Bank NV NA is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with Wells Fargo, only XXXX XXXX  ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). Wells Fargo Home Mortgage is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the Wells Fargo Bank NV NA Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with Wells Fargo, only XXXX XXXX ) and Wells Fargo Home Mortgage Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from XXXX and or Wells Fargo Bank NV NA and or Wells Fargo Home Mortgage, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage also included is XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage responses to the aforementioned correspondences and this formal complaint letter.

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 2019-02-07 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i checked my report and noticed an account from Midland Funding for XXXX still remaining that i paid and was promised it would be deleted.

Company response to consumer: Closed with explanation