vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am  XXXX   XXXX   XXXX  and on Social Security with an additional, small income to pay bills. I have a student loan from my son that I paid for many years until I was not able to keep up the payments, around  XXXX . Last year I followed up with   XXXX   and was able to rehab the loan fo r nine month s. I was shocked to see that what was originally a $  XXXX  loan become a $  XXXX  loan. After the rehab I was assigned to Navient. That was in   XXXX   XXXX   XXXX  . At that time the loan was deferred till   XXXX   XXXX   and I was told I could apply for income-based payments, as their initial payment structure was {$450.00} a month, well out of my budget. I completed the paperwork but received no response. I contacted them again, again with great difficulty, and I was told nothing had changed, I was not approved for  IBP an d I was not notified. If I had n't been stubborn enough to keep calling I would n't have known. I was then told I would receive an email with paperwork to reapply for IBP. I have not received it, nor have I been contacted. I logged in to my account and the loan is now at $  XXXX  and the scheduled payment is for   XXXX  .     I have paid off my ow n undergrad and g raduate loans in a timely fashion in the past, as well as loans and tuitions for  XXXX  of my sons. I have been making a loan payment to  XXXX   XXXX  for probably  eight or ten y ears and currently still paying {$100.00} a month to them. I 'm not a deadbeat. But from  XXXX  to  XXXX  and now  Navient ha s brought me face to face with the ugly scam that is student loan servicing. I would be satisfied to make a reasonable payment each month at a reasonable interest rate to remove this issue from my credit and make it possible to pay my other bills. But I ca n't seem to find anyone who will deal with me honestly and straightforwardly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a credit card with Wells Fargo Bank.    A  pproximately one year ago I obtained this credit card, and it came with a 0 % promotional interest rate for 12 months.
For the past 11 months I have been making payments online through the Wells Fargo website.     My 0 % promotional interest rate expires on   XXXX   XXXX   XXXX     I w  ent to the Wells Fargo website to schedule a payment for my entire balance, {$9700.00}.
However, when I submitted the payment on the wells fargo website, I received the following message : " Requested transfer amount exceeds limit '' I contacted Wells Fargo, both their online banking department and their credit card department. Neither depart  ment was aware of any limit and/or why I received this message.   I had to then resort to contacting the credit card department and giving them my checking account routing number and account number to make the payment I did not receive a message of what the transfer limit was, or if there was any other way to accomplish this, merely that my requested transfer exceeded the limit.   T  he implication is that Wells Fargo is making it difficult and inconvenient for customers to pay large amounts on their account, resulting in possible interest charges to the consumer if they are not determined enough.
I also find it difficult to believe that neither the Online banking department or credit card department was unable to give me an explanation as to why I had received this message, and find it more difficult to believe that this issue was never raised previously by a customer to Wells Fargo, the implication being that Wells Fargo is well aware of this practice, the same way they were aware of the practice of opening up false accounts in customers nam  es

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 2017-04-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo , whom we do not and never have held a mortgage with, erroneously paid our   XXXX     XXXX   XXXX   property taxes and is seeking reimbursement. I confirme d Wel  ls Fargo m ade the payments with the   XXXX   XXXX   XXXX   XXXX   XXXX  . On   XXXX    , a  Wells Fargo  Claims Processing Representative explained our tax ID # is similar to  one of Wells Fargo 's customers ( differs by a digit ), thus, Wells Fargo paid our property taxes in error. Based on internet research, Wells Fargo has made many errors in regards to property tax payments.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested that a hard inquiry be removed that showed up on   XXXX   XXXX  . I did not apply for a credit card with  XXXX  's nor did I authorize anyone looking at my credit report.  XXXX  notified me of this inquiry and we contacted   XXXX   XXXX   immediately to have it removed. I than sent Equifax a letter stating that I did n't authorize this and requested removal on   XXXX   XXXX   XXXX    . The responded and stated they had investigated and proved it to be true. I have the letter from   XXXX   XXXX   stated that the inquiry would be deleted. I would like the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inaccurate Information, no d ocumentation received, company agreed in writing they would delete and has not been done. paid accounts are showing as late payments, old accounts continue to be reported and they are paid and closed and are more t han 7 yrs old.   XXXX  is the worst they wont delete anything or respond to inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
This was a debt to  XXXX  for {$45.00}. The debt was paid and never should have been reported to the credit bureaus by collection agency!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My property tax bill was corrected and decreased due to a   XXXX   XXXX   XXXX     XXXX  rating for my spouse. My taxes are escrowed with my mortgage servicer ( required ). I notifie d Seterus, my mortgage servicer and provided the updated tax bill along with  a written request for an escrow analysis on  XXXX / XXXX / XXXX , which was confirmed received  by Seterus that day. I made several calls over the next month to Seterus and  they had notes but nothing was done. In addition, even though they had the documentation  6  weeks prior and all notes in their system acknowledged the new tax bill, they paid  XXXX  he county the 2nd  installment due ( for  XXXX   XXXX   )  the full amount of the previous bill therefore over {$1300.00} in overpayment which is due back to me. I called them again in early  XXXX  and threatened them with a complaint to the CFPB. At this point, I did receive the updated escrow analysis but they still have not resolved the overpayment. I was told last month that while the payment had been allocated to a batch payment to be se nt to the county, it had not yet disbursed, therefore they were researching having the fund s cut back out of the batch and would refund me. This has been going on for a month and as of today, it 's still being " researched ''. In closing, final complaint : my mortgage is paid every month and has not been assessed a late fee since prior to a modification in  XXXX . Yet, this company has a practice of harassing calls on the  XXXX  of the month if they have not received payment. I would refinance to get away from this servicer, but obviously, any company I refinance with could sell my loan to a servicer and I have no control. In addition, I most likely would not be able to beat my current interest rate so I 'm shackled to this mortgage servicer.

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 2017-04-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Unauthorized inquiry.   Fraudulent loan application

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 2017-04-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
American Express has retaliated against for filing a dispute against them for disputing the two charg es for  XXXX   XXXX . They have been harassing me. They did n't notify me of any results of the outcome of the disputes. They have been asking me to submit all of my personal and business related financial statements to include Bank statements to which I used to make payments with on the accounts. I told them I had would have trouble getting them the information due to the fact that the bank accounts I used have other signors on them. I called  XXXX  merican Express and  cancelled the   XXXX   XXXX   XXXX   ending in  XXXX  #  XXXX   XXXX  {$2000.00}, and the personal   XXXX   XXXX   ending in  XXXX   XXXX . Under the  XXXX   XXXX   XXXX   XXXX  I am protected against " undelivered goods ''. The  XXXX  disputes I have with  American Express   XXXX   XXXX  {$2000.00}, and  XXXX   XXXX  {$2000.00} that I am being billed for that I never received the services/goods from the merchant. I provided them with numerous evidence that I did n't receive the goods and services from the merchant. I have tried to state this t o American Express n umerous times. They have proceeded to harass me and put me under a financial audit demanding all of my financial records which contain confidential information. I never received the goods/services from Madwire Media relating to the disputes with  American Express   XXXX   XXXX  {$2000.00},  XXXX  {$2000.00}. I showed  American Express evidence and proof of this. They have done little to investigate thes e allegations or provide me with any documentation or results. They have escalated the situation by asking for a financial audit. And have used improper language against me over the phone and have used discriminatory  XXXX  terms against me on numerous different phone calls with them attempting to resolve this. I am requesting that  American Express  stop their demanding  XXXX   XXXX  against me and stop demanding bank statements and financial records. I am requesting th at American Express  issue me credit back for the Disputes  XXXX  {$2000.00}, and  XXXX  as I did not receive the goods and services from the merchant. I am requesting that  American Express to s top harassing me.    XXXX   XXXX   XXXX / XXXX /  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Loan Modification.  This has been  a 10-year iss ue ( mortgage was born   XXXX   XXXX  , negative amortization ), the pursuit and continued pursuit of a loan modification.   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX  , and now the loan servicer is " Shellpoint ''. I am in currently review for a loan modification, submitting documents full of bank statements, paychecks and more. Before my application is even fully received, a notice of trustee sale date has been assigned -   XXXX   XXXX   XXXX  . I have called them everyday, and receive the same message about them needing paperwork - and I have sent this paperwork, I feel they are stalling and are actively looking to foreclose rather than modify.  Two w eeks ago,   XXXX   XXXX   I am callin g Shellpoint an d sending requested documents.   XXXX   XXXX   I call, and they say no documents received.   XXXX   XXXX   I call, and they are closed for the  Holiday .   XXXX   XXXX   I am calling, and they say no documents received. Later that morning, I receive certified mail stating a trustee sale is scheduled  for three  weeks. Later that day, I cal l Shellpoint an d they say the documents received, are not complete.   XXXX   XXXX   I call - and they continue requesting documents that have been mailed, faxed & emailed. I have never spoken to my " Single Point of Contact '' - NEVER, and I have tried calling each  one o f these single point of contacts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I have my internet service through XXXX XXXX. The company has been charging my American Express credit card every month but not giving me credit for the charge every month. InXX/XX/XXXX XXXX XXXX charged me {$1400.00}. The charges should have been on the order of {$700.00}. They are charging my credit cardXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXXof this year as well and I have not gotten credit for any of the charges in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is now in violation due to the failure of providing verifiable proof as required under the  15 U.S. Code 1681g - D isclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing! I 'm not sure if the account was fraud or is a mistake on your part providing false information on my credit file. I faxed in a copy of my Driver  's License and Social Secu  rity Card on  X/XX/17 . It clearly does not match the records you maintain under my social secur ity number. I have tried relentlessly between yesterday and today to call you to discuss. The answering system says that there is a not an operator available now to call back and then it disconnects.   I am  ready to proceed with a lawsuit against your company for 1. Defamation 2. Negligence 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I would be seeking a minimum of {$1000.00} in damages per violation. I will be using a high profile attorney to expose the wrong that you are doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, my Citi XXXX Credit card was charged a {$95.00} annual fee. I called Citi and asked to cancel the card. They provided a retention offer, saying that if I spent $ xx on the card in a certain amount of time, they would waive the annual fee. A couple weeks later, I could not remember what the offer had been that I needed to complete, so I called citi back to ask what I needed to do. The representative shared with me that I needed to spend {$95.00}, and I did so that same day. A month later, when the annual fee had not been refunded, I called Citi to inquire why it had not been refunded and I was told I had not made the charge in the required timeframe. I shared that I had called Citi the same day I made the charge and had been told at that time that the offer was still valid. Citi still refused to refund the annual and said they would need to go back and  listen to the call history, which might take up to 30 days. I informed them that would not be paying until they called me back with the resolution on the dispute. This dragged on for 3 months, and I was not provided a resolution until XX/XX/XXXX. Citi did at that time refund the annual fee and the late charges due to their error, and I paid the full account balance at that time. Citi refused to let me dispute the derogatory credit reporting.
Two months later, I have tried to use my card and was declined multiple times, I assumed my card was expired or something. I called Citi to have a new card sent, and was told that my account was closed, prior to my discussion and resolution with them in XX/XX/XXXX. I was never sent a letter informing me of the account closure. They also stated that I would have received a letter in my online banking and there is no such communication there. The person I spoke to for over an hour who refunded my fees also never informed me that my card was closed. Additionally, I have had a credit balance on my card for two months now, and despite the fact that the card has apparently been closed for almost three months now Citi was simply holding on to my money, instead of sending me a check for my balance.
Citi clearly violated regulations in not sending me notice of account closure, they also should have sent me my credit balance, however my primary concern is the derogatory credit reporting that Citi reported, despite the fact that there was on ongoing dispute regarding the charge on the credit card that was not paid. Citi dispute # : 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 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have tried to apply for an income based repayment plan. They are now telling me I need to apply again for the  3rd time sin ce  XXXX . They state I still have  one p ending. This has been going on for months, meanwhile they raised my payment to over {$1200.00} a month when it is supposed to be {$450.00}. This has caused me to have to forebear payments which is causing a negative amortization on those loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I went to a college for  two  weeks, and I still get payments that the admistrator advised me that the payments would stop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I filed a dispute with Transunion on   XXXX   XXXX   XXXX   disputing  XXXX   XXXX   XXXX   XXXX   XXXX   ( Account  XXXX  ) and received a letter stating that their records show that the information you disputed does not currently appear on your TransUnion credit report ( File #  XXXX  ). However, this account is indeed still reporting on my TransUnion credit report. This account was also previously disputed on  XXXX   XXXX   XXXX   XXXX     and removed from my Transunion credit report sometime between   XXXX   XXXX  , then immediately added back on.

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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In  XXXX  of    2017 I re ceived my credit report and found there were  XXXX  collections being report by   XXXX   XXXX   for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX  /2017.  It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.

Company response to consumer: Closed with explanation