vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 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: WA

Complaint narrative:
I have attempted to set up auto payments with this company and they have cancelled the payments without notifying me. Then when I call to check on the status of my account they tell me that the account is in good standing. A few times I have called to be told that they do not see any concerns with my account at all, only to find out later that that account has actually been sent to the " claims '' department to be forwarded towards default and collections. The representatives hang up on me or drop the call when they say that they are transferring me. I call and am frequently transferred multiple times when there are only 2 departments. I have spoked to 6 representatives in one phone call and received different answers from each of them. When I start to get frustrated, after going around in circles for over 40 minutes, they will disconnect the call. 

They are disrespectful and do not care about helping me at all. The phone calls that I have now found out have been coming from them, come up as a likely scam call on my caller ID. When I have answered these calls the representative on the phone will not identify themselves as being associated with Navient unless I provide them with my personal information first such as DOB and full legal name. Which I will not do for an individual that I do not know and comes up as a suspicious number. I am tired of dealing with this company. I try to set my account up on auto payment plans but they want to punish me for trying to get a higher education instead of just take my payments. 
I have also asked to not receive these phone calls during certain times of the day due to my employer having a zero tolerance phone policy. Even when I step outside to take these calls at the risk of losing my job the representative will not work with me. Will not answer my questions, will not confirm who they are associated with, will not advise me of any information. Instead they just demand personal information from me, they can lobby insults at me and sneeringly call me names when I refuse to give them my information until they identify themselves and the company they represent. So often they will just terminate the call. Side note : the questions I am asking do not break HIPPA. I work for a XXXX XXXX company and handle confidential and private information on a daily basis. They are being unreasonable and hiding behind exaggerated legalities to excuse and justify their deplorable behavior. 

They have also started calling my friends and family in order to get in touch with me. They are mean to my family, they have accused them of lying and will deliberately call at times that they have been asked not to call at due to the risk of my family losing their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Parnell & Parnell, PA
State: GA

Complaint narrative:
After calling several offices regarding the charge-off of a 13 year old loan. XXXX XXXX   has handed the collection attempts to XXXX, XXXX, XXXX XXXX XXXX and which they sent to their partner law office Parnell & Parnell. I have never heard or seen a letter from Parnell & Parnell in regards to this time-barred loan. XXXX, XXXX, XXXX XXXX XXXX XXXX hasn't contacted me in years regarding the Loan. I recieved a call from XXXX XXXX  official on XX/XX/30 which was threatening and she did not mention that other Law offices had the loan. I contacted XXXX XXXX. on XXXX and they passed it off to Parnell & Parnell in  which are the ones to file to sue against me. XXXX stated they were more local. This situation is very manipulative and unethical way to sue a me without prior knowledge. XXXX refused to give any information and I am not able to reach the Parnell group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
My mother and I have received numerous phone calls from Lincoln automotive services on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX. The calls are related to my past due amount on my car note. I recently lost my job about 3 months ago and I explained that to the debt collector and that I can only make payments as I can. My auto payment is XXXX per month and I advised the debt collector that I can not make that payment since I lost my job. They still continue to threaten me with repossession and they advised me that I should ask my church for donations or ask a friend for help. I am a mother of XXXX children and I do not ask for handouts. I am trying my hardest to secure another job so I can catch up on my payments. However, these constant phone calls are making me very stressed and the lack of understanding for my situation from the organization is harassment. I feel like something should be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a new account on XX/XX//20, and my ACH opening transfer in the amount of {$25.00} was placed on hold, without notice. I checked online banking and it shows the hold will expire on XX/XX//20, but yet, as of today, XX/XX//20, the hold still remains. Upon calling instutition, was informed the hold, which never should have been placed, will not be removed until XX/XX//20.

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 2020-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Incorrect information reporting on my Transunion credit report

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 2020-02-03 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: GA

Complaint narrative:
I have disputed fraudulent information appearing in my credit history report with Equifax. Equifax has negligently avoided its responsibilities under the FAIR CREDIT REPORTING ACT by failure to remove fraudulent information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: GA

Complaint narrative:
After calling several offices regarding the charge-off of a 13 year old loan. XXXX XXXX has handed the collection attempts to Weltman, Wheinberg, & Reis LLP and which they sent to their partner law office XXXX XXXX XXXX. I have never heard or seen a letter from XXXX XXXX XXXX in regards to this time-barred loan. Weltman, Wheinberg, & Reis law office hasn't contacted me in years regarding the Loan. I recieved a call from XXXX XXXX  official on XX/XX/30 which was threatening and she did not mention that other Law offices had the loan. I contacted Weltman Etc. on XXXX and they passed it off to XXXX XXXX XXXX in which are the ones to file to sue against me. XXXX stated they were more local. This situation is very manipulative and unethical way to sue a me without prior knowledge. Weltman refused to give any information and I am not able to reach the XXXX group.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Ex-wife opened account with XXXX cell phone company in early 2013 in my name for our usage. 

Got divorced in late 2013. 

I changed cell phone carriers from XXXX to XXXX in late 2013. 

Ex-wife did not pay her portion of XXXX cell phone bill. 

Made numerous attempts to collect money from ex-wife to pay XXXX cell phone bill with no success. 

Outstanding XXXX cell phone bill went to collections in amount of {$520.00} Made numerous attempts to reach out to collections agency ( Convergent Outsourcing Inc. ) to settle dispute with no success.

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 2020-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called CitiMortgage today to try to get them to fix the Form 1098 issued to me for XXXX ( this is the same issue for which I filed a complaint last week, however, Citi switched servicing during XXXX, so I now have two incorrect Forms 1098 for the same mortgage ). 

My specific complaint is that I was told that my request to correct the error on my Form 1098 could not be submitted today, rather, that the request could be submitted only starting on XX/XX/XXXX. I would have to call back on that day, go through the 20+ minutes of prompts and three different representatives before I can even begin relaying the issue, and then report the same issue that I reported today.

Frankly, this is abusive. I see no reason why my request for a corrected Form 1098 could not be taken by CitiMortgage today, even though CitiMortgage is unable to process the request until XX/XX/XXXX. Even if Citi is so woefully understaffed that they can not take calls asking for corrections of tax forms, CitiMortgage should have told me that when they sent the Form 1098, not when I call in to ask for a correction.

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 2020-02-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I attempted to make a purchase for a flight via XXXX, an airline ticketing service, on XX/XX/2019. The tickets were for a round trip from XXXX to XXXX. I was charged {$2800.00} to my Chase credit card. I then attempted to change my flight times through the company XXXX within 24 hours. They told me I could only change it with a fee. Additionally, they told me after I made the purchase that the tickets were non-refundable. So I was left with only two options according to them. We ultimately decided to keep the initial flight times to avoid any further fees. However, I never received my tickets from XXXX. Despite my repeated communications with the company I was never issued a boarding pass or any additional information about the purchased tickets. I then filed a complaint with Chase Bank and they sided with the airline because of XXXX policy of a non-refundable ticket. However, Chase has completely missed the point that I never received any tickets. I am requesting a refund of the purchase  price and all interest accrued thereof. Please read the uploaded document " Chase Letter '' for a detailed breakdown of what occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a 24 month interest promotional account with Macys. After paying over the minimum balance for months I realize that the promotional amount is not being reduced. I found out that I have to call customer service every month and tell how much should go to the promotional balance. It seem to work until XXXX of XXXX. I call two or three times in a month but the amount has not reduced. Customer Service states that is take 2 to 3 statements to reduce the amount. From XXXX to XX/XX/XXXX the amount has not change. Here is my real issue. The payoff is suppose to be XX/XX/XXXX. If I made the payment on XX/XX/XXXX and Macy 's credits my account in two to three months I will have to pay about {$1500.00} interest. 
I asked May 's Customer Service for a number or address to file a compliant and was told that they don't have a complaint department. Two other customer service people have me two different addresses. 
The can't be fair

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 2020-02-03 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: AR

Complaint narrative:
I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. 

XXXX XXXX XXXX {$550.00} DEPTEDXXXX XXXX {$1600.00} XXXX  XXXX XXXX {$440.00} DEPTEDXXXX  XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I applied for a chase business card credit card on the XX/XX/XXXX, I was informed by chase the card was approved! upon the arrival of the card I was informed that chase dose an auto review of all new accounts opened and that it would take 1-10 business days for an usage of the card. I explained to chase reps that I was excited that I could get an emergency flight to see my sick grandmother. After giving chase the allowed time just to review my account as previously stated chase to see if they completed the review so I could book my flight I was inform the account had been closed due to a previous account that was deem fraud in their internal system already also the card has another name tied to it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Estate Information Services, LLC
State: OH

Complaint narrative:
My father who served in the XXXX was Deceased on XX/XX/XXXX. I notified XXXX XX/XX/XXXX that my father had passed. They said they would take care of it when I called their customer service. 
On XX/XX/XXXX I spoke over the phone with attorney XXXX XXXX who filed what was needing in the court system my father had passed and the house was considered a homestead therefore a creditor could not come after the house once transferred into my name. I paid him {$1400.00} to file everything. 
Two weeks later my deceased father received a delinquency notice from XXXX. I called XXXX and they asked for money from the estate. They where informed there was nothing in the estate. They told me to apply the cash back bonus to the account. 
Several weeks later I received a call, a letter from Estate information Services. I informed them there is no estate. They said ok that was it. In XXXX XXXX I received calls and letters again from Estate information Services. I informed them the estate was insolvent. The rep replied ok. The next time I spoke with a rep they said they would still file a claim ... I told them it was insolvent.. I faxed them the court documents provided by my attorney .... A few days later I received another letter from Estate information service wanting me to settle on the account. I attempted to contact Estate information Service during regular business hours but they sent me to a voice mail and I asked them to stop attempting to collect from me. Do not call me again. Now, today I received court papers in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Whom Im concern, The purpose of this letter is to defend and validate my rights as a consumer Ive been a customer with Citi Bank for the longest but recently they have been behaving extremely unprofessional charging consumers high interest rates in closing accounts without no fear or any consideration of a hardship I informed this company my currency situation of being an unemployed and my importance on keep my account current and my credit in good standing this week this company Decided to close my account by adding that I wasnt making the payments But Id be making the minimum payment and tried every effort to continue making payments. 

Citibank ended closing the account not letting me make another payment or chance to react and go ahead and close my account. I been making my payments every month but the last payment did not go through Not giving me a chance to make another payment. The problem here is that this is going to greatly affect my credit score or my ability to find housing or refi my auto loan and many other things that I can do with my credit. Citibank obviously jeopardizes peoples credit their up to make their own profit not caring about consumers situations or hardships not offering absolutely anything any help offer the been operating deceptive practices like bait and switch strategy from them offering false advertising with great credit card deals and another perk like miles discounts, etc The reality is completely different there high-interest rates are above any other credit card that I consider a predatory lending company and theyre up to their own profit not to help people at all with hardships like unemployment XXXX in another kind of hardship. 

I like to dispute the matter of how my account is going to reflect on my credit they have the power to remove that and I will continue making my payment but I want to report that this is really an ethical what they do it can be legal but it really does not help the customers at all Thank you.

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 2020-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL

Complaint narrative:
Lakeview Loan Servicing LLC/ XXXX mortgage company has taken payments for homeowners insurance out of my escrow account 3 times over the past 3.5 weeks ( dates XX/XX/2020, XX/XX/2020, and XX/XX/2020 ). There should have been only one payment taken out for the amount of {$990.00} on XX/XX/2020. Instead, the total amount taken out was {$2900.00}. They paid the wrong insurance company twice and then took another payment out before replacing those funds. I was told that all funds would be reimbursed to me by XX/XX/2020 ( one reimbursement would be made no later than XX/XX/2020 & that the other would be reimbursed no later than XX/XX/2020 ). As of today, they have replaced only {$990.00}. I am still owed {$990.00} back into my escrow account. I have been back and forth with Lakeview Loan Servicing , LLC at least 5 times since XX/XX/2020. I am attaching the payment history on my account to this email. Please note that I was also told numerous times that they could not guarantee that my monthly mortgage payments would not go up while this was all straightened out, which is completely unacceptable since this is a self admitted error by XXXX. My account number is XXXX. My name is XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX, AL 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 2020-02-03 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: OH

Complaint narrative:
Experian will not remove the fraud alert on my credit report. Multiple attempt have been made and they still will not acknowledge my form to have it permanently removed.

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 2020-02-03 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 — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: NE

Complaint narrative:
I can't access credit karma any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. 

XXXX XXXX XXXX {$550.00} DEPTEDXXXX  XXXX {$1600.00} XXXX  XXXX XXXX {$440.00} DEPTEDXXXX XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$330.00}

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