vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was contacted by XXXX XXXX XXXX XX/XX/XXXX regarding student loan debt with an increase of XXXX in collection charges the department of edu did not honor my debt rehab program with them and sent the information to XXXX, once contacting XXXX XXXX XXXX they stated that I would go into 9 month rehab program and after the program a new servicer would contact me so XX/XX/XXXX payments where started of XXXX $ every month on the XXXX of the month automatically, all payments where made up until XX/XX/XXXX completing the successful rehab program, I called XXXX XXXX XXXX XX/XX/XXXX to inquire to why I have received no contact regarding new servicer. On the call the lady explained they had the incorrect contact information for me even tho they where sending everything to my current address etc, the women advised me to make another XXXX $ payment for XX/XX/XXXX I did, after this I received a letter stating I fell out of the program even though I completed all the paperwork required 1040, w2, financial disclosure in XX/XX/XXXX which that is how my payments where calculated. So now its XX/XX/XXXX and still no answer to why they have not had any other servicer contact me to take me out of the debt which is affecting my Score. They seemed to have no information no notes on call nor the program even though they took the payments, they are falsely advising and not following federal guidelines for debt collection, the dept of edu is not accepting calls. So Im paying this debt every month for now 10 months and the rehab program is not being followed by XXXX they are still attempting to collect debt with the XXXX in collection fees they have not contact any servicer regarding my loan nor sharing the information with the dept of edu, they are continuing to keep me in default regardless of the so called program offered. They are attempting to place me in another 9 month program saying they havent received proof of insurance which was never requested everything was sent via email.

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 2019-03-11 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have been disputing, reporting and complaining on the unfair, fraudulent acts of this company for almost two months. Commonwealth financial reported to accounts to my credit report and disputing them because they are not mine. I requested validation, which commonwealth financial has refused to provide me with LEGIT, LEGAL VALIDATION. I was only sent a letter with a hospital name a diagnosis code ( WHICH IF THIS WAS MINE IS ILLEGAL FOR THEM TO HAVE ANYBODY MEDICAL INFORMATION WITHOUT THEIR PERMISSION AND IS A HIPPA VIOLATION ) and two amounts. This is not VALID VALIDATION. Proof of VALIDATION include leases, promissory notes, credit card statement, Medical Consent, contracts with an original signature from the Original Creditor NOT the collection agency. After all the disputing commonwealth financial claim they are sending this back to the original WHICH IS A LIE THEY ARE STILL HOMDING THIS DEBT TO RESUBMIT TO MY REPORT, or resell this debt! This do not belong to me, and it needs to stay off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: NE

Complaint narrative:
In XX/XX/XXXX I filed for chapter XXXX bankruptcy and reaffirmed my US Bank Mortgages ( 1st and 2nd ). I have had my mortgages with US Bank since XX/XX/XXXX and have made all payments on time. I recently checked my credit reports and there is no record of either of my mortgages on any of the three major credit bureau reports. I contacted US Bank in XX/XX/XXXX to have them add this information back to my credit reports. They informed me that they were unable to do that and I would need to contact each credit reporting agency to have the mortgages re-added. On XX/XX/XXXX they send me my entire payment history by mail so I could provide this to the credit reporting agencies. Once i received the documentation I reached out to the three credit reporting agencies and was told by all three that I was unable to add this information to my credit reports and only US Bank would be able to add this information to my credit reports. I contacted US Bank on XX/XX/XXXX and informed them of this. They informed me they would have someone contact me to resolve this within 3 to 5 business days. I never received a phone call or any contact from US Bank. I contacted them again on XX/XX/XXXX and was told that since i filed a bankruptcy that it is US Bank 's policy to remove the mortgages from my credit reports and they will not report any payment history going forward unless i refinance my mortgage. I feel that this is an unfair policy which targets individuals that are going through bankruptcy even when the debt is reaffirmed ... .which is what i did. I have made ever single payment to US Bank on time and would like my credit reports to reflect this and would like my mortgage payments to be continue to be reported to the credit reporting agencies in the future as well.

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 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Original loan from XX/XX/XXXX had an interest rate of 7.650 % and a payment of {$460.00}. The loan was modified in the fall of XXXX, with an interest rate of 1 % starting with the XX/XX/XXXX payment ( {$60.00} ) through the first 5 years. The interest rate would then increase to 4 % on XX/XX/XXXX ( payment of {$92.00} ) and continue through to the loan 's maturity on XX/XX/XXXX. 
The company is under a court supervised financial restructuring. It assigned a new number to the loan and in the process, then returned the loan 's terms to the original ones instead of following through with the loan modification terms.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
XXXX sent {$350000.00} wire to BB & T Bank in XXXX for recipient account, XXXX XXXX XXXX Fed Reference : XXXX Case ID : XXXX XXXX recalled the wire XXXX follow-up on recall XXXX follow-up on recall for the last month or so, different people at BB & T Bank keep telling my contact in XXXX that they will return the {$350000.00} to my account at XXXX XXXX XXXX, but it just does not happen

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 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX card stolen at XXXX after being approached by two men in XX/XX/XXXX along with social security card, license, and other debit cards. Police report filed at XXXX. I was in the middle of a chapter XXXX bankruptcy that was discharged XX/XX/XXXX. I was paying my monthly payments and even the company knew card was stolen they still didn't close account. I moved XX/XX/XXXX from residence that was like a month or so later and my mail was still not forwarded to new address. So I wasn't aware the company was sending statements. The credit limit was XXXX dollars but Midland Funding who purchased my debt took a litigation on me and I was sick with a XXXX son and was sick myself so I couldn't attend court with XXXX XXXX so I came in as court said to submit written documentation to reschedule/and or let court aware of situation and I did but still had a judgement against me. Midland Funding has not one accurate payment associate to my account nor information and from XX/XX/XXXX-to XX/XX/XXXX this debt was sold by the credit card company without no payment histories, no accuracies. Under Legal Proceedings of XX/XX/XXXX XXXX XXXX  states that Midland have filed charged off debts, and other debt buyers, from original creditors that not only reached it's statutes of limitations but also, filing these lawsuits against consumers have violated section 1032 ( a ) 1036 ( a ) 1 of the consumer protection Act of 2010. Section 805,806,807 : The fair debt Collection Practice Act. USC. 1692 ( a ) ( c ) ( d ) ( e ) ,163, fair reporting Act and also section 1053, and 1059of CFPA12 USC 267 ( a ) ( b ) the Bureaus issues the consent order. Please delete this company XXXX XXXX, Midland Funding LLC, Midland Credit Management off of XXXX, and XXXX and XXXX credit reports. They are harassing me and I am receiving SSI for my XXXX son and can't pay on a closed account with an {$740.00} balance because I disputes the {$640.00} and recently company charged {$100.00} more. This account was opened in XX/XX/XXXX,. Or XX/XX/XXXX I have emails of stolen cc and the verifiable date and this company doesn't have validation if it's not the original creditors nor accurate info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 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: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
I have been dealing with an issue between Chrysler capital and XXXX XXXX. Going back and forth since XX/XX/XXXX. My Chrysler capital account dropped XXXX points the day one of the parties closed my account in error. XXXX XXXX is Chrysler and visa versa. The should handle instead of placing blame elsewhere. My Chrysler account is opened and current. Im at my wits end with these two companys. So I want to do a formal complaint. As I am so stressed over this. Tired of the arguments. Just called Chrysler and of course they have to contact another team to see whats going on. XXXX XXXX.can you please help me with this on going issue. 






Sent from my XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have over {$180000.00} in an Ally account and another {$1000.00} in an investment account. I have had the account for less than a year. Twice a month I had funds transferred to that account as part of a regular savings program. On XX/XX/2019, I attempted to transfer {$60000.00} out that account to pay taxes. Subsequently, I attempted to transfer {$20000.00}. In short none of the transfers went through. We spent hours on calls trying to figure out why. Then I got frustrated and I tried to close my account. Ally blocked my online access to the account. My wife and I had XXXX or more calls to them. My online access was never restored. Last Friday I was on the phone from XXXX am to XXXX pm. Finally, I was told I had to do a wire transfer and pay {$20.00}. I would receive the money the following day, Saturday, XX/XX/2019. On Saturday I called because I had not received any funds. I was told, besides what I was previously told, that there were no transfers on a Saturday. I was told I would receive the funds on Monday, XX/XX/2019. On Monday I didn't receive any funds. I called Ally who told me there was no request for a wire transfer and I had not previously contacted them about a wire transfer. 

At one point, I was told by their Fraud Department that our calls were recorded. If that is true there should be telephone recordings that will verify this complaint. I believe this is intentional and a systematic design to prevent or make any large transfers of funds. They tell you there are red flags and problems that prevent the transfer. That does not explain that I have systematically transferred on a regular basis almost {$190000.00} into their bank. The first time I tried to withdraw money its been a nightmare. At this time I still have not been ale to get one dime out of Ally.

Even if this is one big series of mix ups, their lack of support and customer service is terrible. You have long wait times. Often I am on the phone and then I get disconnected. I often spent over an hour on hold. I would then get transferred and then that person would put me on hold. Because everything is online a customer is powerless to do anything other than call back when they are disconnected and get back into the queue. When I would ask to speak to a supervisor then each supervisor seemed irritated that I asked to speak to them. They would tell me there is nothing they can do because I had to talk to another department. Ally is the worst bank I have ever dealt with by FAR.

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 2019-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I borrowed XXXX they asked for XXXX back which was fine but I'm paying XXXX just to renew the agreement that doesn't get credited at all just XXXX to sign paper work stating I still owe XXXX I have paid XXXX for almost 6 months that's alot just to renew it doesn't take anything off my balance I'm a single mom this is ripp off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: Capio Partners, LLC
State: FL

Complaint narrative:
I am trying to get a mortgage for a house and one of the things they told me to do was pay off one of my collections to boost my credit score. So on XX/XX/19 I called Capio Partners and paid off the settlement amount, then my mortgage company told me that I needed to get a letter of deletion from them so I called them back again and asked them for one and they said they would be sending one out and will send one via email as well. I received the email but all it said in there, that the account and been paid in full and  would be reported to the credit bureaus ( not a letter of deletion ) so I called back again and this time they told me that I did not request a deletion and they gave me a number to call for customer service, which I did multiple times and I left a voice mail and never got an answer back. So I called back the regular number again and and told them I needed a letter of deletion and they told me in a not so professional manner that it was being reported to the credit agencies and then hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 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: NC

Complaint narrative:
I changed my name legally XX/XX/XXXX, got married XX/XX/XXXX, and moved XX/XX/XXXX - I called all 3 credit bureaus XX/XX/XXXX to confirm my name and address was correct & all 3 told it was ... fastforward to XX/XX/XXXX & my mortgage lender says their request for my credit score came back as fraudulent from Equifax. 
I called Equifax 's customer care number on XX/XX/XXXX about getting my name and address updated & was directed to email, fax, or mail my Driver 's License & Social Security Card so that I could make sure there's no additional freeze or block & advise my mortgage lender to pull my credit score from Equifax again. I sent this via email & received " The reference number for this inquiry is Case #  XXXX. We have received your inquiry and are working diligently to process it. However, due to higher-than-normal email volume, there may be a slight delay in our response time. '' I called back XX/XX/XXXX and was told that they still need my documents, email is not a sufficient method of submission, and they don't have access to customer.care@equifax.com even though it was provided to me, also that my case # didn't help them with absolutely anything. They insisted I fax it, 10 attempts were all busy & failed. I called back and was provided the mailing address so now I have sent it that way too. On XXXX I got an email saying " I would like to inform you that your request has been completed '' I called the customer care number again and was told to resubmit my documents. I wrote a lengthy email back asking what I am supposed to do to actually get it completed. I was told it was being forwarded to the correct department & on XXXX received another confirmation that it was complete. I called customer care a 4th time to be told to resubmit my documents ... XXXX I was asked to provide court documents so I did & XX/XX/XXXX I got another email that this was complete, I replied to ask that they check themselves whether my name and address are updated before I call and get really upset, they replied XX/XX/XXXX " Upon review, please allow 5-7 business days for your request to show as the correct information. '' Please help me, I am unable to get approved for a loan or first-time home buyer 's down payment assistance because my Equifax credit score will not pull. I am at their mercy, their customer care center is in a foreign country, and no one at Equifax will help no matter how I submit my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Student Loan Debt Agency
State: PA

Complaint narrative:
I was contacted by XXXX XXXX XXXX XX/XX/XXXX regarding student loan debt with an increase of XXXX in collection charges the department of edu did not honor my debt rehab program with them and sent the information to XXXX, once contacting XXXX XXXX XXXX they stated that I would go into 9 month rehab program and after the program a new servicer would contact me so XX/XX/XXXX payments where started of 33 $ every month on the XXXX of the month automatically, all payments where made up until XX/XX/XXXX completing the successful rehab program, I called XXXX XXXX XXXX XX/XX/XXXX to inquire to why I have received no contact regarding new servicer. On the call the lady explained they had the incorrect contact information for me even tho they where sending everything to my current address etc, the women advised me to make another 33 $ payment for XX/XX/XXXXI did, after this I received a letter stating I fell out of the program even though I completed all the paperwork required 1040, w2, financial disclosure in XX/XX/XXXX which that is how my payments where calculated. So now its XX/XX/XXXX and still no answer to why they have not had any other servicer contact me to take me out of the debt which is affecting my Score. They seemed to have no information no notes on call nor the program even though they took the payments, they are falsely advising and not following federal guidelines for debt collection, the dept of edu is not accepting calls. So Im paying this debt every month for now 10 months and the rehab program is not being followed by XXXX they are still attempting to collect debt with the 14,000 in collection fees they have not contact any servicer regarding my loan nor sharing the information with the dept of edu, they are continuing to keep me in default regardless of the so called program offered. They are attempting to place me in another 9 month program saying they havent received proof of insurance which was never requested everything was sent via email.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Requested a written document bearing signature from XXXX XXXX ( XXXX XXXX XXXX ) my indicating this is my account. I mailed certified letter asking for document on and it was received and signed for on XX/XX/XXXX and they failed to respond and or provide documentation. I also requested from Experian to dispute this item and they indicated it is being reported correctly without providing any documentation. This item was disputed with Experian in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have three overdraft fees for XX/XX/2019. I made a deposit to cover the overdraft fees in cash on the next business. According to Wells Fargo they will waive those fees in this situation. 

The bank refused to assist 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