vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am writing this because I have been having nothing but trouble with the lender,  Navient.  They are EXTREMELY malicious and will NOT stop calling. They call at all hours of the da y INCLUDING while I 'm at  work and have demanded this to stop. I am not employed full-time because I was diagnosed with   XXXX   XXXX   XXXX   last year and almost died. After lodging multiple complaints with the lender and a complaint with the  XXXX , we were promised paperwork for myself and the doctor to fill out describing the severity of this sickness, but the paperwork never showed up. We also know that there are MULTIPLE lawsuits against  Navient abou t their practices and giving false information about individuals loans which led to credit issues with these individuals. NOW they are threatening to report what is going on to the credit bureaus. THIS IS NOT ACCEPTABLE and need some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: NY

Complaint narrative:
About a week ago, I received a letter from  Allied Int  ernational Credit Corp.with my name, and sent to my pa rents house, not even my address. The letter basically says that their client has tried multiple times to get me to pay this debt and now it is with them.     They say it is from my  XXXX  account. I have n't used  XXXX  in years. the bill is for {$37.00}.     I sent the letter to  XXXX  and they verified that this was a scam.     " The email is a spoof, also known as a " phishing, '' email. ( That 's phishing, as in " fishing '' for personal information. ) It did n't come from  XXXX . Our  Trust & Safety t eam is working to disable any websites it links to. " -  XXXX  email

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife and I file a application for mortgage assistance/modification thru Wells Fargo for we were unable to maintain a {$1600.00} monthly payment which has now been raised to {$1900.00}, for I have retired some two years ago, and now living on a pension and social security and my wife receives XXXX with a net income just over {$70000.00} and we still have XXXX XXXX children living at home attending XXXX XXXX of which XXXX are XXXX getting ready to enter XXXX of which was well defined in my application and my wife 's XXXX was defined and pointed out in the application. The first application was filed on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage and the sender was XXXX XXXX XXXX Home Preservation Specialist XXXXXXXX XXXX  or faxXXXX, and the letter stated based on the documentation that I had provided that my monthly income before taxes, and other deductions was adequate to make this monthly payment. Upon learning the decision I placed a call to XXXX XXXX and his advise was to file again, and on XX/XX/XXXX I filed another application to the same person only to receive on XX/XX/XXXX the same response that we had adequate monies to make this payment of which had been raised to XXXX monthly of which XXXX never made reference to that figure only the {$1600.00} which led me to believe that he had never read the second application. Our financial monthly income/expenses clearly pointed out that we were not able to continue with this large of a payment when all we need was just to modify the loan of which we have a {$28000.00} balance against a home that appraises just over {$180000.00} per Wells Fargo. I hope you can help with this injustice against XXXX XXXX XXXX of which one is XXXX.
I hope this letter can help not only XXXX and myself, but anyone else that may be receiving the same injustice.
Thanks XXXX XXXX XXXX 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 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: AL

Complaint narrative:
Receivable s Perfor  mance refu ses to remove a debt that has been paid off since  XXXX   XXXX ,  2012 . The original debt was with  XXXX  who, once paid, removed the entry from my credit within 90 days as they said they would. This company though says that they do not and will not remove this entry from my credit even though it 's adversely effecting my credit in a paid status. When you call they put you on silent holds or just let the phone ring. They treat you, even when you have paid the debt, as though you belong in debtor 's prison and you are wasting their precious time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Recently I have received credit card ( mailed  ) by Synchrony Bank, without my previous request. When I tried to activate the card, I was mislead to close my old account and open a brand new one which caused negative effect on my credit score and affected all my future financial plannings. I reported this situat ion to the Bank, they shown little understanding about the situation they involved me, in which by my opinion I was dragged in without my request or desire.

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 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: CA

Complaint narrative:
FCRA st ates information reporting has to be 100 % verifiable and 100 % accurate and otherwise the information must be removed under the Federal law. ALLIED INTERSTATE LL has been reporting unverifiable and inaccurate information on my credit which has damaged my  credit and I intend to litigate if they do not remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal

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 2017-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
XXXX  Have requested several times to be provided with a Statement for this debt, I have requested and they have assured me that they will be mailing a statement for my records that w ay I may know ( in writing ) the tot al owing and the payment plan prepared ( again in writing ). Both times the agents have assured me they will mailed and I have confirmed that they have the right address. Both times the agents have pushed for me to make a payment and even increase the payment amount with the assurance that they will mail me a statement but they receive my payment and dont send me any statements or debt information.   Each time I have made a request the agents have mentioned that they will provide a statement but they circle back to payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: OK

Complaint narrative:
I completed the deferment forms and submitted within the deadline and a few months ago, I received an email stating my loans are past due. Called customer service ( on lunch break did n't write down the name or date : / ) but the call was recorded. The rep told me to disregard saying my loans were n't due until    XXXX   XXXX   XXXX   I keep receiving the same past due emails, which is now affecting my credit report and score and I was trying to buy a house but due to this incorrect information, I had to stop perusing a home loan. I emailed the rep this time and they said that indeed, it 's past due and I said that 's not correct and to please review the notes. I have n't received anything in the mail or nothing other than these emails. The rep later said they have n't talked to me since   XXXX  !! How can that be when I have to submit paperwork and ask for a hardship deferment every 6 months!! They are sticking to their " notes '' and that 's not working for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On   XXXX   and again on   XXXX   Chase Bank via  Amazon.com infor med me my credit was ran and applied for credit. I did not authorize this nor did I apply.   I contacted  Chase  at  XXXX  on  three occasions whom informed me the application was clearly fraudulent and they would remove th e inquiry from my credit. My most recent conversation was in   XXXX   and was told it would be removed in a couple days. They remain on my credit and Chase bank has failed to remove the fraudulent inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CHECK INTO CASH INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I made a payment using card, it was declined due to wrong zip. The merchant ran it again with the right zip. It was approved. The next day both charges were debited from my account. I contacted merchant and he stated he only received one payment and to contact my bank. I did and they said to have merchant fax a letter stating he would n't collect the one that declined which the bank has put in a pending status but have already taken the money for both out of my account. He faxed the letter then they said it was n't signed we faxed it again and again cause they said they could n't read phone number. Now the bank says they ca n't accept without the authorization code but he did n't get one on the declined charge. They say I have to wait 30 days to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I placed a {$500.00} deposit to lease  XXXX  cars from  XXXX   XXXX    XXXX   on  XXXX   XXXX   XXXX ,  XXXX , NY. on Saturday  XXXX   XXXX ,  2017 . On Saturday I was told by the salesman that I was approved and asked when would I like to pick up the cars. I even test drove  XXXX  of the cars on Sunday and was reassured that we were all good.     On Monday I received a frantic call from the  Business manager, saying I w as not approved for tier  XXXX  credit but he did get me approved at a slightly higher payment and a bit more out or pocket. That night when I went home I learned from my credit report service that my credit was ran 9 times between  XXXX  and  XXXX  through many different lenders. I then called and asked why they ran my credit so many times and the business  manager  said he has been " doing this 40 years and if he had to call me to get my approval before he contacted each bank he would be out of business ''. I immediately cancelled my deal as I would never want to do business with anyone like this.     Bottom line, I never authorized them to run my credit and certainly not 9 times through multiple banks and I was never asked or informed along the way. Furthermore, they were very arrogant and said this is the " way they get deals done ''. I am strongly considering a refinancing of a home equity loan and these  XXXX  inquiries will hurt me in obtaining credit at a reasonable rate.     In my view this is no different than what happened at  XXXX   XXXX  with the opening of unauthorized accounts. My credit report was ran 9 times without my authority and this is a violation of all fair business principles.

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 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I placed a {$500.00} deposit to lease  XXXX  cars from  XXXX   XXXX   XXXX  on  XXXX   XXXX   XXXX ,  XXXX , NY. on Saturday  XXXX   XXXX ,  2017 . On Saturday I was told by the salesman that I was approved and asked when would I like to pick up the cars. I even test drove  XXXX  of the cars on Sunday and was reassured that we were all good.     On Monday I received a frantic call from th e Business manager, sa ying I was not approved for tier  XXXX  credit but he did get me approved at a slightly higher payment and a bit more out or pocket. That night when I went home I learned from my credit report service that my credit was ran   XXXX   times between  XXXX  and  XXXX  through many different lenders. I then called and asked why they ran my credit so many times and the business manager said he has been " doing this 40 years and if he had to call me to get my approval before he contacted each bank he would be out of business ''. I immediately cancelled my deal as I would never want to do business with anyone like this.     Bottom line, I never authorized them to run my credit and certainly not 9 times through multiple banks and I was never asked or informed along the way. Furthermore, they were very arrogant and said this is the " way they get deals done ''. I am strongly considering a refinancing of a home equity loan and these  XXXX  inquiries will hurt me in obtaining credit at a reasonable rate.     In my view this is no different than what happened at  XXXX   XXXX  with the opening of unauthorized accounts. My credit report was ran 9 times without my authority and this is a violation of all fair business principles.

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 2017-05-12 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: FL

Complaint narrative:
WE went through Chapter  XXXX  Bankruptcy in  XXXX ,  XXXX  and we put our home through as well because we had put our life savings in to it trying to clear up all it needed and did not have any more to put in it and make the payment as well.As we had put it through Bankruptcy we assumed we has to move out of our home. We did move out and into an rent and have been renting since, we just tried to buy a home and all went well until the bank saw we had a Bankruptcy and even that was ok, but then the   XXXX    came up. Bank Of America had kept the payment going till it was so high and then offered us some help that we could not afford.The bank now reports cavers be cause they just foreclosed and bought the place themselves for {$100.00} on  XXXX   XXXX   XXXX  and that is a very long time to wait and now they say depending on who we want to go through, it co uld be 2 to 3 ye ars longer. We really need your help. we will be waiting for your responses.

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 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX

Complaint narrative:
I have an LTV of < 69%, and >12 months Clean Payment History. I requested my escrow account waiver for 4 months, with many different responses to why my request was denied. Each time, became much more difficult to request the waiver. It leads me to believe they purposely were trying to hold my funds for their own interest, which is disheartening. When I would call back to request status, I would get different responses. Upon request, I re-sent my request to the subservicer,  XXXX ,   XXXX  , who was going to re-process my request for the waiver; however, when I called back on  XX/XX/XXXX , they demanded I resend in a new request. This was the first time I was told I did not have to re-fax it in to them, but they did let me know, that I still needed to make my full PITI payment. At this point, I believe that Franklin American is being difficult because they don't want me to self-administer my own taxes and insurance. This is very poorly viewed from someone who has never missed a mortgage payment, ever.

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 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone other than myself opened a  Capital One credi t card account using my email address. I do not have any association or accounts wit h Capital One.  I 've contacte d Capital One to  determine if the person used any other info of mine, and it seems like they did not ( my  SSN  was not in the system, for instance ). However, since I am getting their emails that only contain the last  4 digits  of their account number, I do n't have enough account information for them to stop using my email. When I call, I ca n't provide the full account number, or the account holder 's SSN or name. But obviously the person associated with that account should be getting the emails. Could you help me get  Capital One  to stop sending me emails meant for another person?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brennan & Clark, Ltd., LLC
State: WA

Complaint narrative:
I am getting calls from a company called  " Brennan & Clark LTD ' ' and informed to call back "  XXXX  '' to speak with a specific individual there in regards to a debt that I do not have with this organization.     I have looked over my credit report and nothing shows of an outstanding debt nor this organization at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Continued attempts to collect debt not owed. This collection was originally removed and reinserted without my knowledge with an amount of {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On  XXXX  of this year, I sent for a free cream item and only had to pay shipping cost. So this offer had popped up in my email and i paid with my check card.The company of course had my name and address to send me the free product. It had also asked for my phone number. S o three w eeks later in  XXXX  the company charged my account with  XXXX . I did not sign up for this. So I called chase bank and told them what happened and they put the money back into my account. They, bank  manager ,  XXXX   XXXX  gave me a new check card and said it was a scam. So I thought the problem was resolved.  XXXX  also stated the farm out your information. So on  XXXX   XXXX   Chase b ank without my permission, did an unauthorized transaction to this same company for  XXXX . I went to the bank immediately and  XXXX  the bank  manager was th ere. I told him what had happened. He said the claims dept. would handle it, there was nothing he could do. Well I sat there for over an hour and got nowhere. Then when I got home I called the bank and no one would help me. They said the company sent them paperwork that said I had a membership, well I do n't and I finally got the paperwork this week. There is no signature, the papers are bogus, all they have is my name and address which they would since i got the free cream. No one will help me, I did n't authorize this transaction.This is stealing.

Company response to consumer: Closed with explanation