vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Rewards Customer Service representative from Wells Fargo and she could n't help me redeeming all credit I earned during the time my card was opened. This card was closed due to Wells Fargo, they said my checking account was n't on good standing so they decided to close my credit card as well. I spent money on that card trying to earn rewards so I could redeem them to my account humbly and in accordance with their agreement. I did n't close my card, they did. They do n't want to reopen it for a few days, at least with any kind of restrictions, so I can redeem my cash back I earned with so much effort. They 're currently holding a reward for the amount of {$23.00} and around {$3.00} dollars on pending transactions they had been changing the redeemable date. I think I earned this money in accordance of their credit card agreement and I am legitimately in the right to claim this money. I want this money redeemed on my credit card because I deserved it for the hard work on earning it.

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 2017-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of Identity Theft. Someone has placed things on my 3 credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all 3 credit bureaus along with multiple attachments as proof. By law, the 3 bureaus had 4 days to block the information relating to the identity theft. Out of the 3, only 1 has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All 3 of these bureaus should have blocked this information immediately and they have not.

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 2017-06-22 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: TN

Complaint narrative:
I am a victim of Identity Theft. Someone has placed things on my 3 credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all 3 credit bureaus along with multiple attachments as proof. By law, the 3 bureaus had 4 days to block the information relating to the identity theft. Out of the 3, only 1 has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All 3 of these bureaus should have blocked this information immediately and they have not.

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX 2016, I submitted a complaint related to a XXXX XXXX XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX XXXX was nonresponsive. The CFPB contacted them and XXXX XXXX settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter.
<P/>
XXXX 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 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Mortgage Inc serviced my mortgage XX/XX/XXXX. Property coat {$280000.00}, down payment {$70000.00}. I applied for modification XXXX XX/XX/XXXX I received a illegal type of modification. The loan was sold/transferred without my knowledge to XXXX. I went to see the vice prespresident of Suntrust. XXXX XXXX. denied the transfer. XX/XX/XXXX I went back to the branch, VP XXXX XXXX. Stated my mortgage was sold for {$210000.00}, the exact amount which I borrowed. Suntrust continued withdrawing my payments & also sent the same amount to XXXX. Months of payments shipped by XXXX to XXXX XXXX, these checks where signed & cashed without informing XXXX, or applying any payments to my mortgage.XX/XX/XXXX the property sold. XXXX pay-off {$26000.00} delinquent charges to the credit agencies. The loss of my Credit History distroyed by Suntrust reporting illegal negative statements this ongoing dispute began XX/XX/XXXX My loan was not underwater. I made my monthly payments using my Suntrust Sure Pay Checking & Savings Account. I met with VP XXXX hurried outside, her father just passed away. I walked with her to her vechical, she looked at me and stated, " I 'm sorry XXXX '' I can not access a Suntrust Mortgage Acct that is closed. But if I where you, I would get my money & close your acct. I was devastated, afraid, totally depressed. Scheduled for my XXXX XXXX XXXX XXXX, it was all bad. Made me sick I needed a reason to live. So, I prepared my home for immediate sale.XX/XX/XXXX, three months later I walked away with {$1400.00} dollars. Today is XX/XX/XXXX Please help me out here. Suntrust XX/XX/XXXX must comply to the credit agencies by written facts recorded deed Satisfied Paid Account Closed. Thanks

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 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I noticed that WF is charging me a {$12.00} a month fee for Identity Theft Protection - I just recently noticed this charge - and completed research that shows I have been charged this fee since  XXXX   2012 . I know I was not provided clear verbal or written information regarding this fee. I sent a message through the online website and was advised that they will not provide evidence that I was aware of these charges. Considering the recent settlement s of WF sig ning up customers for products they do n't want/need/are unaware of, it appears that I am in the same boat. Please Help.

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 2017-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have made several attempts on XXXX/XXXX/2017 and XXXX/XXXX/2017 to contact this company because they are reporting negative information on all my credit reports about a debt that is not mine. They have failed to proved me with viable evidence of ownership of the debt they are claiming is mine.

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, I submitted a complaint related to a XXXX 's XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX 's was nonresponsive. The CFPB contacted them and XXXX 's settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX 2016, I submitted a complaint related to a XXXX XXXX XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX XXXX was nonresponsive. The CFPB contacted them and XXXX XXXX settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter.
<P/>
XXXX 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 2017-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: NY

Complaint narrative:
received noticed of unpaid medical bill from debt collector ( not sure when first received - sometime this year XX/XX/XXXX ). possibly received from State Collection Service in WI. <P/>debt is from services received from XXXX XXXX of Wisconsin. date of service XX/XX/XXXX & XX/XX/XXXX. <P/>we would gladly pay any amount owed however we never received any bills from the hospital. naturally upon receiving the debt notice i contacted XXXX immediately to try find out any information regarding the service etc. At that time they acknowledged that they had the incorrect address on file and perhaps the reason why we never received any bills. they told me they would send the information to the correct address. <P/>however after not receiving i contacted them again ( repeatedly ) only to be told that they would not provide any information, that they had turned the debt over to state collection service and i could only discuss with them. <P/>again, have absolutely no problem paying this bill. first however i never received any bills in the first place and second obviously i need detailed information as to what i 'm being billed for. i have an excellent credit score. <P/>thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Recurring checking account deduction which have not been authorized since  XXXX  of {$21.00} being paid to   XXXX    XXXX . My wife and I have not authorised this type of transaction.

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 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
OCWEN LOAN SERVICING, HAS REFUSED TO RESTRUCTURE MY LOAN. THEY ARE ATTEMPTING TO FORECLOSURE WITH A ROBO SIGNED ASSIGNMENT. XXXX XXXX IS ACTING AS TRUSTEE FOR XXXX XXXX. THIS TRUST HAS SEVERAL PENDING LEGAL ISSUES. THE ASSIGNMENT WAS CONVEYED AFTER THE CUT OFF DATE OF THE TRUST ACCORDING TO THE POOLING AND SERVICING AGREEMENT IN SECTION 201 ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OFF DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX my card was charged 5 times {$960.00} for " XXXX XXXX XXXX bill Payment '' for a total of {$4800.00}. These charges are outright FRAUD - I never had any business with them either. Coincidentally ( or not.. ) Chase abruptly closed ALL my accounts with them by the time the charges posted to my account ( XXXX XXXX ) and before the statement closing date. When I called Chase card services to report fraud and being transferred from rep to rep, I was advised that since my account is closed they could n't access my account to report these charges, and I need to mail or fax in to correspondence dept. I did exactly that, faxed a brief explanation of the fraud charges including my account and contact info along with a copy of the statement outlining the charges in question. More than 4 weeks passed and no answer or update to my account - the charges are still there and accumulating interest. On XXXX XXXX I called chase to get an update on those fraud charges, after all transfers I ended up speaking with XXXX from XXXX, supposedly a supervisor from senior support specialist - the only ones that can access my account - and her resolution was NO MORE OR LESS, that since my account is closed, AND their department ca n't report fraud AND the fraud department ca n't access my account, It 's tough luck ( on?? ) and the fraud charges are staying on the account!! It sounds crazy but this is reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: MO

Complaint narrative:
I was a victim of Identity Theft. Over the last several months, I have been working with the credit bureaus ( Equifax, XXXX, XXXX ) in order to have the credit bureau reports corrected. I have provided them with Police Reports, IRS Affidavits, and Personal Statements regarding this issue. Both XXXX & XXXX PROMPTLY corrected my information, and have both provided me with updated credit reports. However, Equifax continues to report this false information/accounts on my Equifax Credit Report. My intial dispute with them began on or around XX/XX/XXXX. It is now XX/XX/XXXX. In order to bypass the " 30 day '' investigation timeline, they just keeping closing and re-opening " new investigations ''. I have spoken with them numerous times via telephone, and have had to re-fax the above information ( Polive Reports, IRS Affidavits, Statements ) to them 3 times during the last 2 months as they continue telling me that they have not received it. ( I have 3 fax confirmations confirming that they did receive them ... ). Now, today, I am told by their telephone representative that they will CONTINUE to report the fraudulent account as the " creditor '' has advised them that th account is mine ...??? Obviously, it is n't. BOTH, XXXX and XXXX have provided me with letters advising me that they have DELETED this information from my Credit Report, as they have determined that it was NOT my account. Both XXXX and XXXX have also BOTH provided me with updated Credit Reports as well. Equifax refuses to do so, even after nearly 2 months of when this began. Getting through to Equifax is nearly impossible, as all calls are answered in the XXXX, by individuals who speak broken English, and are hardly understandable. When asked to be transferred to an American agent, your call is placed in a que in which hold times have exceeded 2 hours to get through ... Please help resolve!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
i was in XXXX when my car was lost stolen at XXXX XXXX my card was used fraud in XXXX which i never went i called and sent plane ticket to regions they still not credit my money

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 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Wells Fargo is again manipulating post to my account. Since XXXX XXXX they have taken 35 fees of XXXX XXXX out since XXXX XXXX. That is or XXXX worth of fees. I was one of the victims which they were opening up accounts I never 0pened. This is flat crazy.

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 2017-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I became XXXX while I was attending school. My federal student loans have been discharged because I fall under their classification of non veteran XXXX XXXX. Navient has denied my application for discharge due to XXXX. They said the only way I will fall into their description of XXXX XXXX is if I 'm deemed so by the VA, but I 'm not a veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a home loan in XX/XX/XXXX with XXXX XXXX which filed Chapter XXXX Bankruptcy. I spoke with the Trustee and they informed me that the loan had not been sold. I did a HAMP modification and the current Servicer has not given me the documents requested regarding the HAMP Program and signed modification agreement. As anyone can clearly see the payment history and loan balance do not make any sense, since I was current on all payments and therefore received payments from the Federal Government according to the HAMP guidelines, which Caliber Home Loans refuses to give me a copy of. They start their balance sheet on XX/XX/XXXX which was the first payment due with an unapplied funds account with {$100.00}, a Late Charge of {$780.00}, and Fee Balance of {$1000.00} which are absolutely incorrect and I have been paying on this since XX/XX/XXXX, plus interest and other late fees and costs, while I patiently waited for my " free '' HAMP loan modification. Once again I request that the Attorney General and the Consumer Financial Protection Bureau please audit this loan as soon as possible since I suspect fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I earned a XXXX XXXX XXXX in XX/XX/XXXX and a XXXX in XX/XX/XXXX, after which I had more than a {$100000.00} in student loan debt ( my XXXX loans had long-since been paid off ). For 10 years while XXXX at a XXXX XXXX, I made my income-based repayments, submitting the paperwork each year to keep my payments manageable. Without the income-based provisions, my payments would have been approximately {$1200.00}, almost half of my net income. My loans were first serviced by XXXX XXXX, which they transferred to Navient beginning in XX/XX/XXXX. Each year with my income-based renewal paperwork, I submitted a letter inquiring about the Public Service Loan Forgiveness program. Each time I was simply told that I could not apply until I had been making payments for 10 years. After a year of service through Navient and reaching the 10-year mark, in the spring of XX/XX/XXXX, I applied for loan forgiveness using their online form. It was only when I received a denial of forgiveness letter telling me that I was ineligible that I learned I was consolidated under the wrong program. I had never been told that I had to have my loans consolidated with the Federal Student Loan program. The consolidation under the correct program is now complete, though that has been problematic because I have had conversations with both the StudentLoans.gov office and Navient, with differing responses about what my new payments will be ( although, at least I was given a forbearance while the loans were processed ). However, the one consistency has been that my 10 years of payments have mattered not, that I will have to pay for another 10 years before I am eligible for forgiveness. Because I am not able to make a dent in the principle, my student loan balance is now over {$120000.00}.

Company response to consumer: Closed with explanation