vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We sent a payment to Wells Fargo Dealer services who had the loan on our truck on XX/XX/2016 and they deposited in their account on XX/XX/XXXX. Their records show that it was posted on XX/XX/XXXX. The due date on my loan payment was XX/XX/2016 the payment was NOT 30 days late. We sent a payment of {$19000.00} which we thought was the amount we needed to pay it off. The payment was sent from a home closing we had and sent through the Title company. We've spoken to 4 different people at Wells Fargo Dealer Services and gotten 4 different excuses one was an out lie when the representative told us that the check sent from XXXX XXXX was for XXXX XXXX XXXX XXXX and something. Then another representative on another call told us the correct amount of the check and they said they applied it to principal per the instructions on the check. I have a copy of the check and it just has the account number. So in essence we made our payment on our truck and was NOT 30 days late. On the XXXX of XXXX they called us and said we still had a balance of {$140.00} and so my wife made the payment on XX/XX/XXXX but they said that they " reversed '' the payment. So we went into the bank and made the final payment of {$140.00} at the bank on XX/XX/XXXX of which our payments were STILL NOT LATE. A large payment was made XX/XX/XXXX so it was only 29 days late not 30 days late and then the final payment was made on XX/XX/XXXX which made it only 8 days late. Why they will not remove the 30 day late on my credit report I don't understand. And why they continually lie with different stories from different customer service agents I don't understand.

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 2018-11-07 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: TX

Complaint narrative:
I contacted Navient in XX/XX/XXXX about my student loan debt. I learned about a lawsuit against XXXX for fraudulent and misleading practices. The Navient representative told me they would investigate my claim, and suggested putting my loans in forbearance. I called Navient multiple times between XX/XX/XXXX and XX/XX/XXXX checking the status of my claim. The representatives would always tell me the investigation is under review. I would be reminded that the loans are in forbearance and the interest will continue. On XX/XX/XXXX, I spoke to XXXX XXXX a representative of Navient, she told me they were still investigating my claim. I asked how long does this investigation take, it has been 22 months? She said she did not have any other information to provide, and referred me to another department titled " Defense Repayment '' XXXX. I spoke to XXXX, she advised me the claim is under review, and the loans would remain in forbearance until XX/XX/XXXX. I asked her how long does this investigation take, she could not provide any additional information. I asked about the interest on the loans growing, she said the loans were still in forbearance where they continue to accrue interest, until a final decision is made. She did confirm the date I filed the claim was XX/XX/XXXX. I went online to see if there were any similar complaints against Navient, and found a lawsuit ( Illinois Attorney General XXXX XXXX ) against Navient for misleading practices. Navient claims they have been investigating my claim against XXXX for fraudulent and misleading practices, and now they are defrauding me. Navient will not give me any information about the investigation. They only tell me my student loans will remain in forbearance, and continue to gain interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: MA

Complaint narrative:
Due to ongoing medical issues, my son is unable to pay his Discover student loan, so I, as the cosigner, have taken over. I have repeatedly asked them not to communicate via phone but to use email instead. Despite this request, I get daily phone calls even though the loan is current. Their response is always that the calls are on autodial and they don't actually know the status of the loan when they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
Lexis Nexis is refusing to dispute information properly. They are showing incorrect information, on merged information. Refusal to give proof of filing a dispute. Refusing to verifying information they are stating that is correct. Their report number is XXXX I want from them 1. A full, and complete copy of any, and all paperwork. A full copy off all files showing all original signatures, ID, compleat paperwork, and current report.

2. Certified documentation used to verify information.

3. Who the information was obtained by, and where it was obtained.

4. Undeniable proof of fraudulent, and erroneous information on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: AZ

Complaint narrative:
I have Parent Plus loans for my daughter, who is still attending school at XXXX. After she enrolled for summer semester in XXXX, Navient didn't put the Parent Plus accounts in deferred status, even though her own loans with Navient went to deferment. I have a payment plan set up for my own loans, which I was paying the specific amount as agreed to in the loans and had been sending a note delegating how the accounts were to be paid with each automatic-electronic payment. After many calls and forwarding enrollment info since mid-XXXX, Navient would not defer the Parent Plus loans, even though I sent proof that the student was enrolled. The school was also contacted with this information to send to Navient, and showed the student 's own loans were in deferment with Navient. During the next 4 months, Navient automatically applied the payments I made to my separate loans due for a specific amount to the interest due on the Plus loans, even though I sent memos delegating payment, putting my loans in " late payment '' status. They had actually been doing this for about a year, even when the Parent Plus loans were in deferment and nothing was due, that's why I had been sending the memos delegating payment. After 7 months of having to call customer service and have my payments redirected to the loans that were actually due as agreed on through Navient, no one could give me a reason why money sent was not going to loans in repayment and instead were applied to INTEREST of loans not due. It took me nearly a year to be able to set up an income-based repayment for specific those amounts due and since XXXX, I have instead been specifically going on-line to Navient, com every month to make custom payments as to ensure my payment was going to the loan as specifically intended and set-up by Navient. If you set up automatic payments from your bank on-line with Navient directly, money is pulled from your account and applied at Navient 's discretion, at any time. I fought with Navient for about 4 months about the Parent Plus Loans not being in deferment, but nothing was done by Navient and now they will not remove this from my credit, which will now keep me from being able to consolidate these loans after the next tax season. I have made formal complaints to Navient directly over the past 4 years about their ongoing deception. I have made complaints to credit agencies, FSA and even contacted the XXXX  about Navient 's unethical practices with no help. I have had NO problems credit or payment-wise with any other company except this one. I make payments in full up-front when offered, almost automatically- electronically through my bank and on time-every time. My credit proves that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FEDChex Recovery, LLC
State: AZ

Complaint narrative:
I received a letter dated XX/XX/2018 from FCR Collection Services ( FCR ) indicating that I owe {$250.00}. FCR is trying to collect payment for textbooks that were leased ( and not returned ) by someone using my stolen credit card number. I notified my bank when fraudulent charges appeared on my bank statement and XXXX XXXX  removed the charges and cancelled my credit card. I have made two phone calls to FCR explaining the situation. One call was placed in XX/XX/2018 and the other call was placed on XX/XX/2018. FCR requested that I give them my email address so that they could send me an affidavit form to refute these cards. Instead of sending an affidavit form I am receiving monthly emails requesting payment. The latest email is threatening to have may account placed with a law office to pursue collection.

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 2018-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: KS

Complaint narrative:
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$870.00} from XXXX XXXX on XX/XX/2017. I have since repaid {$1200.00}. I still have a balance remaining. I was aware that the loan would have such a high interest rate, but I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. 

None of the email addresses listed on the website are active or working as I have gotten all of my emails returned ( see info from their " Contact Us '' website link below. ). I have called three times and no one has answered ( see info from their " Contact Us '' website link below. ). 

P : XXXX E : XXXX E : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient continues to call me and my cosigner to pay the loan they claim is past due, even after it has been paid. I submitted the payment online and they do not check the system before calling. The agent tells me the system is automated. Navient calls and harasses me and my cosigner to make a payment. They are relentless and will not stop even when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have had my Citibank cc since I first purchased my house. It has remained a MasterCard but has been 're-assigned ' to various cc programs. It started out being a 7.5 % tied to my mortgage, then when CARD kicked in it went to 29.96 % and then later to 22 % on the ThankYou program. Now the ThankYou program is done and they want you to sign up for their money back on purchase program at 26 %, I did not sign up for this. 2 months ago I paid off this card. 2 weeks after paying it off I got a marketing piece informing me that if I purchase anything on my card up to XX/XX/2019 the rate of interest charged will be 2 %. During the next month I received 2 more of these marketing pieces. They all said 2 % interest on purchases made through XX/XX/2019. They did say that transfers were not eligible for the 2 % rate. Not in any of this material did it say that the rate would change once that purchase was made. It did say that purchases made after XX/XX/2019 would be at the current rate of 25-26 %. 3 weeks ago I had one of those emergency expenses that cost {$4500.00}. I went to the Citibank website and check marked the 2 % offer on purchases until XX/XX/2019 offer. On the website it said that transfers were not eligible and nothing else. I ran the charge on the card. Now get this, after making that charge I get a regular letter from Citibank, not marketing material, that told me after XX/XX/2019 my 2 % purchase will be charged at 26 % interest. So if it was XXXX of 2019 when I made the purchase I wonder what they would do? 

This bank has been financially ripping me off for years. I was late paying the account 7 years ago, and it was only once. ( my appendix ruptured ) I have seen these promotional rates before and they run until the amount is paid off on other cards. Not anywhere in the marketing material did it say the purchase interest rate would go up to any other rate. Do not let their marketing material mistake rip me off with the new higher rate of interest.

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 2018-11-07 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: NC

Complaint narrative:
1 ) I called TransUnion/XXXX and sent dispute letters as well stating acct # XXXX for amount {$630.00} is not my account it was open fraudulently and it still has not been removed. I also called the collection agency XXXX XXXX XXXX XXXX and disputed it on there end. I have been disputing this account since it appeared on my account and I will not be accountable for an account I never opened. 

2 ) I called/sent dispute letters to TransUnion/XXXX stating acct # XXXX for amount {$320.00} is not my account it was open fraudulently and it still has not been removed. I also called company stating I never opened the account please remove amount or detach my name on the account and no action. I have been disputing this account since it appeared on my account and I will not be accountable for an account I never opened.

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 2018-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Today XX/XX/XXXX I recieved a call from XXXX XXXX. I explained I had previously asked to have a billing statement to show my correct balance remaining since I am under the impression my loan balance has not reduced and had stayed at XXXX for a few years now. The individual on the phone just demanded I pay and did not want to provide a itemized statement as i requested. I provided my email address and confirmed my home address. He said the statement had been sent and I had not recieved a current statement only letters of collection. 

Called navient customer service around XXXX XXXX XX/XX/2018. 

Was informed my email address was changed from XXXX to XXXX in XX/XX/XXXX. 
I also tried before the call to retrieve my user name and password and received the message stating that navient did not have me on file. Pic attached. 

I had even tried to re register and no information was found regarding my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/18 I used my ATM card to deposit 2 checks totaling {$890.00} at Wells Fargo ATM at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The ATM went XXXX XXXX. It would not return my ATM card or checks. I immediately reported the incident inside the branch. The ATM was not investigated or taken offline. The 2 checks I deposited totaling {$890.00} were not returned or credited to my account. I complained to the CFPB. 
In response, on XX/XX/18 Wells Fargo told the CFPB it had issued me Monetary relief of {$890.00} for the 2 checks I deposited that were lost by and in its ATM.

Then four days later, Wells Fargo issued me a XX/XX/18 letter saying it is going deduct the {$890.00} ( it told the CFPB it had issued me as Monetary relief ) because it has been unable to locate the 2 checks I deposited in its ATM. This letter says that I need to have stop payments put on the 2 checks I deposited in its ATM, at my or the issuers expense, and that I need to have the 2 checks reissued. 

Wells Fargo 's ATM ate my deposit. Wells Fargo lost the checks I deposited. Wells Fargo is at fault but burdens me with the remedy. Once a consumer inserts checks into a bank 's ATM isn't the bank responsible for them and obligated to deposit or return them? 

Is there no sanction when a Bank submits a false response to the CFPB?

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 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I was a victim of a fraud and Bank of America canceled my card and I told me I wasnt gon na be able to bank for the next 5 years. Its been a year I been trying to fix this but I seem to get no where. I have XXXX reports and pictures thats I was fraud with trying to put fake checks in my account.

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 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I submitted a court document to the Bank, which indicated that i was not charged with any criminal actions due to i did nothing wrong. But Bank of America is holding me liable for {$3200.00}. Furthermore, XXXX XXXX case # XXXX was criminally charged with theft. She was found guilty and is serving 5 years in prison ( weekend ). So, why am i being held responsible also. This is like double jeopardy.

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 2018-11-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently, I and my family have been in search of a new home. I noticed a numerous amount of accounts, a social security number, addresses, etc. on my report that do not belong to me. i have filed a police report Please remove this fraudulent activity from my report immediately.

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 2018-11-07 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: NJ

Complaint narrative:
there have been an old inquiries on my Experian Report for over 2 years old that suppose to have been removed it's for XXXX card the removal day was suppose to be XX/XX/2018 the inquiry still on my report. 
I want it 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 2018-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
SANTANDER CONSUMER USA {$7200.00} XX/XX/2013 This debt does not belong to me the car was not mines the car was sold by the company i had no knowledge that the car was gone or late or was sold until i information was reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
HAVE TRIED OVER AND OVER AGAIN TO SAVE MY HOME OCWEN HAS MADE SO MANY ERRORS THEY COME UP WITH A DEPRECIATION MODIFICATION THAT WAS SIMPLY FOR THEIR BENEFIT MY ORIGINAL NOTE WAS DRAWN UP WITH DIFFERENT ADDRESS ON THE NOTE WHICH THEY WILL NOT ACKNOWLEDGE ; ORIGINAL MORTGAGE BROKER OUT OF BUSINESS OCWEN WANTS ME TO DO A FOREBEARANCE AGREEMENT WITH A {$81000.00} DOWN PAYMENT ; I've OWNED THE HOME FOR YEARS NOW THE SAME REP WITH OCWEN NOW DENIES MY LOAN MOD REQUEST REPEATEDLY WITHOUT FULL REVIEW ; SAME STORY I'M AFRAID I'M GOING TO LOSE MY HOME PLEASE ASSIST

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates, has repeatedly updated information that I disputed in writing as inaccurate they have never validated or verified repeatedly since XX/XX/XXXX up to the present of XX/XX/XXXX. They have attacked my credit reports month after month which has caused my scores to drop as much as 50 points on XXXX and XXXX. I have sent various notices requesting them to properly verify their information but they refused and misrepresent the account and state on my file that we have resolved the dispute, which he definitely have not!

Company response to consumer: Closed with explanation