vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 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: ID

Complaint narrative:
On XXXX I submitted certified letters to the credit reporting agencies XXXX, Experian and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender XXXX. I received responses from the credit reporting agencies but not from XXXX. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.

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 2017-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I was diagnosed with XXXX XXXX XXXX that XXXX to my XXXX. I have been going through an extreme financial hardship as I was unable to work. The XXXX appeared, only months after I graduated from school, and I was treated immediately. My doctor kept me off work due to difficulty with the regulation of the medication and other various complications. The lender, offered very few options to forebear this loan, or to lower the payments. I have been struggling to afford my medication, or food for that matter. I have called the servicing company Aes on several occasions begging them to help me out and they refuse any help. This has created an even greater hardship, because if I default on this loan, it will cause me problems with my moral character background application to become a XXXX XXXX. I obtained this loan to go to school to become a XXXX, and if this loan defaults, it may be impossible for me to do so, which defeats the purpose of me obtaining this loan to begin with. I wrote a letter to the lender, because I can not afford this current payment. I have called and asked them to extend the payments out, or do something so that I can lower it or to give me more time until I can get on my feet. They have not even responded to my letter, nor will the servicing company do anything further to help me. I was even told by them, that even if I die from my XXXX, that they will go after any assets that I have to get their money. The stress of this is aggravating my illness, and the lender does not care. The original loan was for $ XXXX and I have a letter that says that payback after 15 years, will be at $ XXXX which is almost triple the amount of the original loan. A loan shark would n't even charge that much, how could this be legal? I requested my original promissory note, so that I can see exactly what they are limited me too, and the company refused to provide it. I do n't even think that they have the master promissory note and they are implementing rules that are not even on the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: TX

Complaint narrative:
I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I 'm curios as to why the main WF website is showing/quoting interest rates from XX/XX/XXXX when it is in fact, XX/XX/XXXX? https : //www.wellsfargo.com/mortgage/rates/

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 2017-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Months ago, I cut up my Bank of America credit card and sent it back to the company to close my account. Yesterday I received in the mail a 'change in terms ' to my credit card ending in XXXX. I tried to call the phone number to tell them the account was closed, but it asked for a credit card account number ( which I do n't have ) or a social security number ( which I input, but it did not recognize ). Since it did not accept my social security number, I got a recording that threatened " extended wait times '' because I allegedly did not input my number. I got tired of being on hold and hung up. THIS ACCOUNT HAS BEEN CLOSED. I HAVE NO OPEN ACCOUNTS WITH BANK OF AMERICA.

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 2017-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I bought certified pre-owned car at a dealer. They recommended Santander Consumer USA bank to get loan from. Interest rate was very high, that 's why I decided to pay more than specified in documents. I have consulted with bank itself that I will not have any issues or fees or anything paying more than specified. For the last 4 month bank has messed with : 1. My last name. I was not able to pay. They did n't respond & fix until I escalated an issue. 2. I still have incorrect last name in web app, as they ca n't do anything with it. 3. On XXXX I was not allowed to pay using ACH, only certified funds, because " You have paid too much ''. Yes I want to pay my debt in 1Y. I told that from the beginning. 4. Payment on XX/XX/XXXX was not partially applied towards principal even though I asked that ( " please use {$220.00} as regular payment for XXXX and {$1200.00} apply towards principal '' ). 5. I asked SECOND time in XXXX to do that the same manner. 6. In the middle of XXXX I found that I 'm PAST DUE. Even though I paid XXXX in XXXX, My regular payment is {$220.00} per month. My due day is XXXX of each month. My first payment was scheduled to be on XX/XX/XXXX. I keep track of all payments in XXXX file. Specifically to track this kind of fraud from banks. So these are my payments ( I have not included transaction numbers, but I have it ) : Date Amount Transaction No 1.XX/XX/XXXX {$1000.00} XXXX 2. XX/XX/XXXX {$1000.00} XXXX 3. XX/XX/XXXX {$1000.00} XXXX 4. XX/XX/XXXX {$1000.00} XXXX 5. XX/XX/XXXX {$500.00}? ( did n't write ) 6. XX/XX/XXXX {$1500.00} XXXX 7. XX/XX/XXXX {$1200.00} XXXX I always ask to use money following way : what is exceeding regular payment should be applied towards principal. The last payment made on XX/XX/XXXX was not applied at all towards principal. So I wrote SECOND time in XXXX. First, I 'm 99 % sure they EITHER did not apply {$220.00} for the last payment of {$1500.00} ( the one I asked to be even though I requested that ) OR possibly they applied it TWICE towards the same month XXXX. The last 1 % - I made a mistake and asked something incorrectly. For that last 1 % - bank has not notified me at all that this will happen. In addition to that, they said I 'm 19 days past due. Even though I paid on XX/XX/XXXX, which is 12 days past due! This is surreal and unacceptable. This all looks like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: FL

Complaint narrative:
Our Mortage Company from day one have been very unpleasant to work with, we miss a payment and try to schedule two payments withdrawals from our bank account and they accepted one and then declined every payment thru direct debit from our account. I have copies of that. Then we try to see if there was any way they can help us to to avoid any more miss payments but they never reply or was sent any letter to us. Months have pass we already apply to see if we can received a loan to add to our loan amount and have a fresh start. But they already have accelerated for a foreclosure without giving us any options to avoid the foreclosure proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: TX

Complaint narrative:
I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.

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 2017-07-21 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: TX

Complaint narrative:
I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.

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 2017-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Apparently, I have three " Signature Student '' loans ( private ) with Navient. I started getting calls from them about 2 years ago saying that I was in default on my student loans and I had never heard of them before so I tried to check the validity of their claim. I could n't get much information to verify that I owed them money but they harassed me 24/7 and I knew they were a student loan servicer so eventually I agreed to make a payment arrangement with them. In XXXX 2015, I agreed to make a lump sum payment of {$1800.00} over 5 months ( which I was told was 10 % of my total balance ) in exchange for them forgiving a portion of my balance and reducing my interest rate to zero. I also agreed to pay $ XXXX/month after the initial 5-month period. I made the agreed upon lump sum payments then began paying the agreed upon $ XXXX/month. I continued to get more calls from Navient claiming that I was still in default and explained that I had made the above arrangements and they confirmed that they had received those payments. They then told me that the Navient representative that I made the payment arrangements with only applied the payments to one of my loans and I actually had another loan that they didnt tell me about. So, I agreed to another $ XXXX/month payment for that loan and they agreed that any loan that they held would receive the benefits of my payment arrangement and monthly payments. Two years later, I am still getting calls from Navient saying that one of my loans in delinquent even though they show that I am making payments. They are also reporting my loans as delinquent to the credit bureaus! When I log in to their website, the first thing I see is that my loans are past due, then directly below that, they show the payment history of my payments being made on time ( through automated debit ) EVERY SINGLE MONTH! I dont know what the heck they are doing with my payments! My interest rate was reduced to zero but they never forgave any of the balance like we agreed to and they are ruining my credit and harassing me non-stop! I tried to mark this an inaccurate on my credit report but Navient just fights it and says that it is accurate and I have no recourse! Im at my whits end with this company and theres seemingly nothing I can do about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a mailer offering XXXX bonus XXXX miles after I had spent {$2500.00} each month from XX/XX/XXXX-XX/XX/XXXX. I opted in on the website as directed, and completed the {$2500.00} per month spending per the terms. The miles were supposed to post within 8 weeks of the promotion end date and they have not yet posted, it has been nearly 12 weeks. I have tried on multiple ( 10+ ) occasions to work with Barclays and they have opened two separate " cases '' # XXXX and XXXX however nothing has come of these and I have received nothing but half responses to my questions.

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 2017-07-21 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: TX

Complaint narrative:
THIS company being reported on my credit reports are NOT my account : XXXX XXXX XXXX XXXX - Acct # XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I sent 3 written letter to the 3 credit bureaus asking for proof that this is my account, I also called XXXX XXXX for any kind of contract they have showing this is my account they have failed to do so. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. Their failure to positively verify this accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, The credit bureau and XXXX XXXX XXXX XXXX have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: NJ

Complaint narrative:
I was contacted by XXXX XXXX XXXX on a daily basis for months pressuring me to enroll. I finally gave into their high pressure sales tactics and I enrolled. Shortly after enrolling, I became homeless and could not continue to obtain my degree. My loan is now in default and I do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
A request was sent to Nationstar XXXX 2015 for a partial release for my account ending in XXXX, which included a {$250.00} refundable partial release request fee. There was additional documents requested by Nationstar for me to submit which was not submitted in a timely fashion. However, at no point in time did Nationstar provide a denial letter for the partial release request nor did they send us the {$250.00} cashiers check submitted with the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When researching online for a promotional 0 % APR on purchases for the first 15 months, MasterCard through Bank of America was one of the options that came up. I choose this card because it was specifically for purchases and was going to use it for an upcoming trip and school. I applied online for this card and was approved. For my first billing cycle, I was not charged any interest. However, for the second billing cycle I was charged interested. I called the number on my credit card, and after explaining what happened was told by the representative that it was a mistake and she apologized for this error on the side of the company and transferred me to another department so that they could take care of it. This first conversation happened on XXXX XXXX 2017 at XXXX XXXX. When speaking with the second person, I was told that the card I applied for was only transfers. I explain my situation again and told him the first representative acknowledge the mistake. He continued to tell me there was nothing he could do.

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 2017-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
We hired a company called XXXX XXXX to repair our credit. We stopped with that company in late XX/XX/XXXX or early XX/XX/XXXX. I called equifax in early XXXX and told them that I am not disputing anything on the credit report and they said they would remove it. They have not removed it. I kept calling and calling repeatedly todayXX/XX/XXXX to their XXXX number and pushed the option to speak to a representative about personal credit info. Every single time it transfers me and then rings busy. When our mortgage broker pulls our credit report it still shows and reinvestigation in progress. This is inaccurate info. They told me when I talked to them they would remove it. The lender will not close the loan until they get a report that does n't show anything being disputed. I have personally talked to the creditors in which the report shows a dispute with and they have sent me documentation showing that nothing is being disputed but the lender has to see it on the credit report. The fact that equifax is not answering is deeply frustrating. I ca n't get a hold of them and need the disputes with XXXX off my credit report Sincerely Frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: OK

Complaint narrative:
filled out an application for a us bank corp credit card at an XXXX XXXX XXXX XXXX store for {$15.00} dollars off on my purchase, the application was approved a few days later I received a us bank credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called us bank, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then us bank turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops 75 points number 4. all this for a XXXX dollar purchase. CAN YOU 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