vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I have gotten loans from CashNet USA before and had little to no trouble. However, there is a constant issue with their website. 

It takes forever to load unless you are on mobile and even then some of the site does not work properly. I have informed them of this issue many times. However, that is not what my complaint is today. I kept getting emails about my existing loan telling me that I had the option but when I checked my account, it was showing a XXXX balance and no option to extend. 

I emailed customer service about it but got no answer. After a few days of this, I went on the site at work and opened the chat window. The rep. and I got the whole thing straightened out and she got me on a payment plan starting XXXX XXXX and ending in XXXX when the balance would be paid off. Now I 've made my first payment on the plan. On the tenth, I got an e-mail stating that I was overdue and have been getting repeated e-mails and missed calls from what I assume to be the automated collections service. Why am I getting these calls and emails if I am on a payment plan? 

I am so disgusted with this company that I will be glad when my loan is paid in full. I should not have to get these emails and phone calls when I am on a plan and making my payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Hi, I open an American Express XXXX credit card in XX/XX/XXXX, and it advertised that after I spent XXXX within 90 days ( and extra XXXX within first 6 months ), then I will receive XXXX points. So I open an account. 
However, I did not receive any welcome rewards points now ( XX/XX/XXXX ). I called them in XX/XX/XXXX, and they said they need to do some investigations for about 4-6 weeks. After 2 months, I still did not receive the points. Then I called them again in early XX/XX/XXXX., and they said I will receive my point within 10 days. However, I still did not receive the point, and they hanged me off when I called back. So far, I still did not receive any rewards point as they advertised or promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: AES/PHEAA
State: LA

Complaint narrative:
XXXX XXXX did not apply my Income Driven Repayment recertification to all of my loans serviced by the company, after it was submitted on time. Some loans were reverted to a traditional payment plan. After speaking to two different customer service representatives, I spoke with a manager who admitted that there was an error in processing my loans, but the company refuses to rectify the posted traditional payment plan amount ( {$1000.00} ) and has instead labeled all of my loans as " Delinquent ''. 

On XX/XX/XXXX I submitted my Income Driven Repayment annual recertification. 

On XX/XX/XXXX unconsolidated ( Stafford ) loans were transferred to XXXX XXXX according to records from another loan servicer. These loans were on Income Driven Repayment plans. 

On XX/XX/XXXX my IDR request was approved by XXXX XXXX. 

On XX/XX/XXXX, noticing issues with unconsolidated loans billing me under the traditional payment plan, I contacted the company. Told that there was an issue with my payment plan paperwork. Told that my loans were placed in forbearance while this is rectified. As requested, I resubmitted my IDR recertification request to XXXX XXXX that I had originally submitted on XX/XX/XXXX. 

On XX/XX/XXXX, noticing that {$1000.00} was withdrawn by XXXX XXXX from my checking account, causing most of my household bill payments to " bounce '' for insufficient funds, I again contacted the company. I spoke to customer servicer agent # XXXX and was told that no forbearance was applied to my account, that I had no Income Driven Repayment recertification on record and that I XXXX XXXX could not reverse the transfer. I requested to speak to a manager and was transferred to manager # XXXX. The manager admitted that my IDR request was not processed correctly and she resubmitted my IDR request on all of the loans serviced by XXXX XXXX. The manager refused to make my payment plan retroactive to XX/XX/XXXX, when my original IDR recertification was accepted by XXXX XXXX. I was told that although XXXX XXXX made an error, I was responsible for the outstanding amount of {$1000.00} that XXXX XXXX withdrew from my account.

I submitted a transaction dispute to my bank ( XXXX XXXX ) and on XXXX/XXXX/XXXX, the bank finalized the reversal of the transaction in my favor. 

I submitted a complaint to the Federal Student Loan Ombudsman ( US Dept of Education ) about not being able to resolve this issue with XXXX XXXX, and received a reply on XX/XX/XXXX that the office " is not taking action on this matter. '' The Ombudsman directed me to lodge a complaint to the FSA Feedback System ( US Dept of Education ). 

On XX/XX/XXXX, after reviewing my dispute, I submitted a complaint to the FSA Feedback System. I am awaiting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: AK

Complaint narrative:
A account was opened with COMMONWEALTH FINANCI I HAVE NEVER EVER BEEN IN CONTACT OR DONE BUSINESS WITH THIS COMPANY OR ANY OF ITS AFFILIATES. I HAVE NEVER AGREED OR MADE ANY FINANCIAL AGREEMENT TO RECEIVE ANY SERVICES OR PRODUCTS FROM THIS COMPANY. MY INFORMATION HAS BEEN COMPROMISED. I EXPLAINED THIS TO THIS COMPANY AND THEY REFUSE TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I AM BEING NEGATIVELY IMPACTED BY THIS COMPANIES FRAUD. THEY HAVE NOT PROVIDED ANY DOCUMENTATION TO SUPPORT THE CLAIMS ON MY ACCOUNT. THEY HAVE NO SIGNITURES OF ANY AGREEMENT FROM ME. THANK YOU FOR YOUR TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
We obtained a loan with Wells Fargo Financial and have been trying for 6 years to refinance to a lower rate that would cut out mortgage payment in half. Wells Fargo Financial recorded an illegal deed against our home and we have had title issues and have not been able to complete there refinance. We first applied for a refinanced in XXXX. After paying {$1600.00} for an appraisal, eventually true appraisal expired and we could not pay for another one. We tried again in XXXX to refinance to prepare for retirement and the same thing happened. Because of the illegal deed, again we were unable to complete the transaction. We have lost out on thousands of dollars on the appraisal fees and interest paid on the loan.

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 2017-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My XXXX report lists a collection from 2015, with no information, and no other account showing as a write off or collection as it 's source. This is not my debt.

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 2017-10-20 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: NY

Complaint narrative:
There have been several pieces of information being INCORRECTLY reported by this company. Last XXXX XXXX, 2017, I mailed them a letter disputing and asking for these items to be investigated. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX accounts : XXXX, XXXX, XXXX and XXXX has been disputed BOTH TO EXPERIAN AND XXXX. XXXX deemed these items UNVERIFIABLE and has been removed from my credit report. What I do not understand are the following : 1. Why would these items be removed by XXXX and not by Experian despite the incorrect and inaccurate information being reported ; 2. What documents did Experian got and used in their investigation that XXXX was not able to procure? ; 3. Why would a company verify the disputed information to one credit repository and not with the others? 4. Is n't this a violation of FCRA of both this credit repository and the reporting entity?

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 2017-10-20 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 — Problem with personal statement of dispute
Company: GREAT LAKES
State: IA

Complaint narrative:
THIS IS IN REFERENCE TO MY ORIGINAL COMPLAINT WITH GREAT LAKES # XXXX, I am appealing their decision based on the letter I received yesterday from them.. 

I '' m attaching documents that is already received by Great lakes but am emphasizing details on the documents. I do understand I 've submitted +2000 pages if not more to Great Lakes and it 's not easy to follow. 

All complaints I 've submitted to the CFPB which are stated below are all connected and related to my Identity theft which originated in XXXX XXXX or XXXX, ia XXXX. Which the 3 financial institutions in XXXX are XXXX XXXX, XXXX, and XXXX XXXX, and all are still pending an open investigation by the FBI and SEC. 

I '' m restating that all cases or investigation can not be closed until FBI and SEC Concludes their investigation into my Identity theft which started in XXXX and is still continuing to this day. 


XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) GREAT LAKES Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan 3 ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number XXXX Date XXXX XXXX ) XXXX XXXX Complaint number ; XXXX Date submitted to CFPB : XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX XXXXOPEN Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I have contacted XXXX multiple times to see how I can repay back my loans because the payment was too high for me to afford with a low paying job. I offered to pay the interest for a few months until I can figure out how to repay them. I also paid {$500.00}, {$600.00} a month every month for quite some time. They refused to work with me. They refused to take into account the few hundred dollars I was sending them every month. And then I went into deferment, got a lawyer and now currently in the process of declaring bankruptcy, to buy me time to figure out how to pay these loans back. Today I received papers stating I am being sued by XXXX. I really dont know where to go from here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Ive been battling Identity theft for almost 4 years now and counting, XXXX and various other accounts were opened in my name. On numerous occasions i 've tried for years now to remove XXXX this fraudulent account MY CREDIT REPORT, however to no avail. They 've refused to send any Documentation regarding these fraudulent accounts, in accordance to Fair Credit Reporting Act Section 609 theyre mandated by federal law to furnish upon request, they refuse in which violates the FCRA and my consumer rights. ( VIOLATION NUMBER # 1 Also to add more insult to injury these nordstrom customer service reps even told me they have no information on this account and the information is off, Nevertheless what truly baffles me is how this creditor can continuously rely back to the credit bureaus indicating " Verification '' of this debt being mine when they refuse to send me any correspondence after countless letters and phone calls. VIOLATION NUMBER # 2 Under section 611 ( 5 ) of the FCRA clearly indicates creditors are required to promptly delete all information that can not be verified immediately.!!!!!!!!!! VIOLATION NUMBER # 3 I  ALSO RECENTLY SENT LETTERS WITH FEDERAL TRADE COMMISSION ID THEFT AFFIDAVIT ON XXXX XXXX 2017 AND CALLED AND CALLED THEY CLAIM THEY HAVENT RECEIVED ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: MD

Complaint narrative:
a family gave me a {$1000.00} check for my birthday I cashed it on XXXX XXXX and the bank froze my account, my account says I have a total of {$860.00} now after maintenance fees have been payed every month sinceXX/XX/XXXX but my account is still locked and I cant purchase anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
THIS IS IN REFERENCE TO MY ORIGINAL COMPLAINT WITH XXXX XXXX # XXXX, I am appealing their decision based on the letter I received yesterday from them.. 

I '' m attaching documents that is already received by XXXX XXXX but am emphasizing details on the documents. I do understand I 've submitted +2000 pages if not more to XXXX XXXX and it 's not easy to follow. 

All complaints I 've submitted to the CFPB which are stated below are all connected and related to my Identity theft which originated in XXXX XXXX or XXXX, ia XXXX. Which the 3 financial institutions in XXXX are XXXXXXXX XXXX, XXXX, and XXXX XXXX, and all are still pending an open investigation by the FBI and SEC. 

I '' m restating that all cases or investigation can not be closed until FBI and SEC Concludes their investigation into my Identity theft which started in XXXX and is still continuing to this day. 


XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXXXXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX BANK Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number XXXX Date XXXX XXXX ) XXXX XXXX Complaint number ; XXXX Date submitted to CFPB : XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXOPEN Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/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 2017-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Hi, I am wondering, why is it that Navient does not provide an account of the interest charges that have hit my account? I can see the current interest total on a loan, and transactions of interest that I have PAID, but there is no transaction records of the Interest that has actually been charged to my account ( either weekly, monthly, or daily ). 

For example, I could have paid {$5.00} in interest one payment and I would see that, but maybe {$6.00} was actually built up in interest that week, and there 's no record of that. If I see what I think is an error, how am I to rectify that if I have no record of what the transactions of interest are? I I have reached out to Navient multiple times asking this, and I was told that I can use an Interest " Estimater '' calculator. How is it okay for a loan provider to have you " estimate '' the interest that they are charging you? I can see in my account a discrepancy on the amount of interest that I was charged one week, but ca n't rectify it without seeing interest charges. I asked for an individual interest accounting for each of my loans - as I have seen conflicting information in the web portal. What I was provided with was an accounting that had different loans combined, so it did n't help. Follow up requests did not This seems like it could open the door up to many errors. A Credit Card company or a mortgage loan provider would never tell me to use an " estimator '' to calculate my interest charges, they are explicitly laid out on the statement. 

Could you please help me understand this? Is this a practice across the entire student loan industry? I would like to have an individual account of all of the interest charges charged to my individual loans. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A person sent me money around XXXX on XXXX/2017 through BANK OF AMERICA using an application. ( XXXX ). I tried to log in that app and asked me to input " Authorization code ''. That code came in my email later that day at XXXX XXXXXX/XX/XXXX which was expired after 10 minutes without any other notice. I try again and again without receiving any response or a new code. I called them at XXXX the same day to find out that the sender has to cancel the transaction and find an other way to send the money. Needles to say it was important to have that amount on time and it costed to me extra. The customer service prompted me to create an account for the application ( knowing I did n't have any internet access at the time ) instead to my opinion find an other way to solve my problem.

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 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX my husband and I purchased a home in XXXX California. The mortgage went thru Bank of America. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO Quick Claim deed executed. In XXXX my ex-husband remodified our home loan with Bank of America without my knowledge, consent or signature. The signature page on the remodified mortgage paperwork has a line for my signature but my signature is not on the paperwork. The loan was remodified from a 30 year loan to a 40 year loan without my signature. This loan has since been sold to a mortgage company called XXXX. Bank of America will not speak to me about this. When I call they tell me that they no longer service this loan.

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 2017-10-20 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 have requested documents numerous of times so my payments will stop. i am unable to make payment to navient. i was told i will receive documents in the mail and my payments will be put on hold. my payment were put on hold for a few months but i never recieved the required documents navient said they will send me.

Company response to consumer: Closed with explanation