vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was getting a mortgage for a house and although I had closed my TD bank accounts years previously, somehow, a charge was able to be put on my TD bank card. I was never notified of this charge because my account had been hacked before I had closed it without me knowing about it, therefore, all the bills and late fees were going to an unknown address. Due to this, my XXXX XXXX had dropped by 250 points. I almost lost my new house and can barely afford my new mortgage payment because of my credit score. I ended up going to a brick and mortar TD bank the first week of XX/XX/XXXX because I was not being helped over the phone. I paid the account off and my account was once again closed. About 6 weeks later I received an account summary in the mail from TD Bank. It was a new bank account that was opened with no money in it but it was charging me a {$1.00} maintenance fee. I did NOT open this account and I went back to the bank to get it taken care of. Once again, this account was closed. About a month after that, I received another account summary in the mail from TD Bank charging me another {$1.00} in maintenance fees for an acct. Because I now live about 40 minutes from the TD Bank and because when I called the vice president I was dealing with was on vacation, I wrote a long email to the vice president at the bank. I received a response back saying " escalating this matter immediately ''. I just received a new summary on XX/XX/XXXX, now a few weeks later, saying that my account with TD Bank is now PAST DUE a {$2.00} maintenance fee! I don't know what else to do. They will not close my account even though I closed them myself in XX/XX/XXXX. My credit score is being affected by these " late fees '' I've contacted the bank over 3 times already!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I consolidated three XXXX school loans with Sallie Mae, totaling XXXX. As I was going to work in a XXXX XXXX shortage area ( a rural XXXX XXXX XXXX XXXX ), I received some repayment funds through the XXXX XXXX XXXX XXXX. I requested that payments be applied to principal. I made payments totaling XXXX between XX/XX/XXXX and XX/XX/XXXX. The loan was handled by Navient. When I became aware that Sallie Mae/Navient were applying very little of the payments to principal, I contacted them. I was told the situation would be corrected. It was not corrected, despite Navient 's promises. Their solution every time I called to was place me on forbearance while the problem " was fixed ''. I did not wish to be on forbearance. In XX/XX/XXXX I advised that I would not make further payments until payments were correctly applied. My payments of over 100,000 show my willingness to acknowledge my debt. Instead of helping me to resolve the situation, Navient continued to put me into forbearance without my consent while charging late fees and capitalizing interest. As of XX/XX/XXXX Navient claims I owe XXXX in spite of the XXXX paid. Since I would not consent to forbearance, Navient has placed the three separate loans on my credit report. I have challenged these. They have acknowledged to the three credit bureaus that all of these facts are correct. I have worked for over 11 years at a rural XXXX, and was never advised of the Public Service Loan Forgiveness program Navient told me this would be referred to their " fraud department '', but I never heard from them. I have made every attempt to resolve this without pouring more money into interest only payments, but Navient shows no willingness to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX L M XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC 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 non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I was a ward of the state of Illinois for my entire childhood through College. I lived in group homes, shelters and with foster parents until I was XXXX. I went to college and graduated. Then life happened ... I was struggling to pay my student loans from the time I graduated in XX/XX/XXXX. Especially in the years XX/XX/XXXX-XX/XX/XXXX when I filed for Chapter XXXX and got my divorce. I was not aware of income based repayments or other options. Navient ( Sallie Mae at the time ) did not alert me of other potions I had to repay my loan. If so I could have taken advantage of them and probably saved thousands in interest..and I probably would not be still paying now 22 years after I graduated. I still owe more than 6-thousand dollars after paying for more than 13 years. I don't believe this is fair. By my calculations I have paid what I owed with and additional XXXX dollars in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: GA

Complaint narrative:
Our mortgage has recently been transferred to a scumbag servicer called Statebridge Company. Our mortgage was paid up with a perfect record prior to these people showing up. We had our payment automatically transferred every month from our checking account to the previous servicer, XXXX. There were no problems once they got their act ironed out. 

I have tried to work with Statebridge Co several times and keep getting told that their are fees associated with doing business with them. These XXXX want a XXXX dollar fee for me to pay a XXXX dollar mortgage payment. Yes I did not mis type that. 

Furthermore, the agent I just talked to, advised me that there was a balance of XXXX dollars on my account. That is impossible as I am only 2 or 3 payments behind. How do they get XXXX dollars when it should XXXX. The agent then tells me that a XXXX dollar fee was attached by XXXX. That has to be a lie. The mortgage was paid up and current when these XXXX XXXX took it over. 

When I asked for a supervisor, I was told by the XXXX  agent, who clearly had no concern for my issue, that a supervisor was not available. 

What is most concerning is that this outfit has me 2 or 3 payments behind by their own act. I tend to believe that they are set up to use foreclosure to steal property from the public. 

Please assist me with getting my mortgage straightened out. I am on a limited income and can not afford to toss money around to every mortgage XXXX that shows up on my phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TX

Complaint narrative:
This company has called me 5 times in one day. Im sure this is harassment. I have blocked other numbers similar to this one and they just keep calling from new ones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: SC

Complaint narrative:
I faxed over a copy of my drivers license, social security card, and utility bill to update my personal information and to remove inaccurate names and addresses. Fraud alerts were placed on my account due to the inaccurate name of XXXX XXXX and fraudulent inquiries. I asked for the following fraudulent inquiries from XX/XX/XXXX to XX/XX/XXXX without results : XXXX/XXXX   Inquiry : XX/XX/XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX  XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2017, I opened a XXXX account and switched Company 's since then but I was given a negative credit alert with a total of {$940.00}. I had contacted them at the time, a couple times, I changed Company 's and made arrangement to pay off the remaining balance. I was uniformed about my account as to what was going on since then. I didn't receive a notice. I have since moved from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: TN

Complaint narrative:
XXXX XXXX has been very difficult to deal with! My dad took loans out on himself and paid off two of my three student loans. The second loan we paid off, XXXX XXXX added a charge of {$5.00}. We paid that amount just so we can clear the loan. After I contacted XXXX XXXX and they claimed that the amount was a mistake and will put that amount paid towards the loan that still has a balance. I also got an email saying the loan is paid in full. One week after, instead of removing the balance from the loan as they were supposed too, they added the {$5.00} to the loan that was paid off again! Also, they still haven't sent us a statement once we paid off two loans ; which we requested about three weeks ago. Please help us, we are beyond frustrated by dealing with XXXX XXXX and their customer representatives.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
loan keep being extended. i tried ask why keep getting run around.i feel i paid extra 12 months when my loan contract said i would be done XX/XX/2016 i keep being charged

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
Received " Electronic Service Requested '' from " IC System '' for a dentist in another state that I have never heard of or received service from. The Company states I went to as dentist, XXXX XXXX XXXX, XXXX on XX/XX/2018. I have not been to a dentist in over 2 years. The last dentist I saw had a different name and was with a well known company. 
A person called me from XXXX which is a XXXX number. " IC System '' states they are from Minnesota, and the only dentist I can find with the name " XXXX XXXX XXXXXXXX '' is out of Maryland. 

I called XXXX, who stated they would send an itemized bill for services I never recived in the amount of {$150.00}.

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 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: NV

Complaint narrative:
I have received repeated phone call voice mail messages from a " debt collector - CBE '' with a phone number of XXXX. They do not say who they are calling for. 

They ask us to call them back. When I do, I get no one, line busy, or message saying no one is available & hangs up or something. 

As far as I am aware, I do not owe anyone any money. I have not received any invoices from anyone, nor have I received anything from this CBE company by US mail. 

I believe this company, phone number, and messages they leave me to be some sort of scam company or that they have the wrong phone number. 

In your form, I had to state who this pertained to - myself or someone else, and since you did not have an " I don't know '' option there, I typed in my name & contact information, but this company has never left a person 's name that they are calling about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: NY

Complaint narrative:
THIS ACCOUNT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY CREDIT IMMEDIATELY XXXX XXXX Status Open Balance {$210.00} Type Unknown Payment Status Late

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 2018-07-18 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: NY

Complaint narrative:
THIS ACCOUNT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY CREDIT IMMEDIATELY XXXX XXXX Status Open Balance {$210.00} Type Unknown Payment Status Late

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 2018-07-18 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: NY

Complaint narrative:
THIS ACCOUNT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY CREDIT IMMEDIATELY XXXX XXXX Status Open Balance {$210.00} Type Unknown Payment Status Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I did a money transfer from my Wells Fargo account by means of the XXXX add on service that Wells Fargo provides on their site. The money was transferred in the amount of {$240.00} on Monday XX/XX/2018 to a " XXXX XXXX '' with the email address XXXX. 

What I thought was concert tickets being purchased turned out to be scam. Because I was directed to pay through XXXX, which I thought was a secure, traceable means of payment, I felt confident this wasn't a scam. Even if it was, there has to be a way for my Bank to track down/stop payment from going through, right? Wrong! 

After getting suspicious after a short amount of time ( 20 minutes ) after I completed the transaction, I immediately called Wells Fargo to put a stop to the transaction. After being put on hold for hours, speaking with multiple representatives, being transferred multiply times, being disconnected when being transferred, and being told there was nothing they could do, I felt helpless. The many Wells Fargo associated didn't seem to have an answer or they either said they could do something and then never did. 

I should have listened to my gut, but the fact that this was THROUGH a service provided by MY BANK, I felt reassured and confident this wasn't possible to do from a scammer end considering a bank account needed to be attached to the name/account I was transferring money to. 

Thank you for your service and thank you in advance for reading this.

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 2018-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BB&T CORPORATION
State: KS

Complaint narrative:
Auto loan company called at XXXX I was in bed and thought it may have been my mom I answere the phone and the lady was calling to collect on our auto loan payment. I let her I would pay in three days and it's not 30 days late. She proceeded to try to harass me into making a payment I let her know I would make it. She kept insisting I make the payment now and I let her know it was late and after XXXX she didn't seem to really care and said she was just trying to collect payment. I let her know she isn't allowed to call after XXXX and so I hung up.

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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account. During the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.

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 2018-07-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account. During the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: MD

Complaint narrative:
I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account. During the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.

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