vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 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:
I verbal confirmed a a loan payment with Navient on XX/XX/19 for XX/XX/19. After that I received multiple auto-dialed calls everyday multiple times a day eventhough there were notes on my account specific to a scheduled payment for XX/XX/19. In addition I received multiple auto-dialed calls where I picked up and there was no response from the lender representative but just a hang up. On my XX/XX/19 call I asked Navient to remove me from any auto-dialed calls and put in a complaint for the calls I received where there was no response and a hang up on their end. As promised I made a payment on XX/XX/19 at XXXX XXXX  EST. I received another auto-dialed call on XX/XX/19 at XXXX requesting a payment which was already made. The Navient representatives because of auto-dialer are totally disregarding any previous notes, complaints, or payments that are posted and recorded on my account. This latest representative call again through a auto-dialer without reviewing his notes and told me when he looked that he could see my payment and had no answer as to why he was calling ... he then tried to rush me off after I asked why his company continues to call after I requested to be removed from auto-dialed calls and placed a previous complaint. In addition my consigner whom now lives on the west coast in XXXX XXXX continues to get cell phone calls during EST time, where they receive a XXXX XXXX EST call at XXXX XXXX  PST their local time, which I believe is illegal - especially using auto-dialed. Can someone please assist here? This is blatant harassment and I need someone to step in and find or penalize Navient for their ongoing harassment when trying to collect on my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo through its GoFarRewards Program offered me a promotion whereby I would receive XXXX GoFarReward if I enrolled in the promotion and made a purchase with XXXX XXXX greater than {$100.00}. 

After enrolling online, on XX/XX/2019, I made a purchase with XXXX XXXX for {$100.00}. 

Since then, Wells Fargo has refused to honor the terms and conditions of the promotion stating I never enrolled in the promotion. This is blatantly false and an attempt to not honor the promotion.

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 monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
At XX/XX/XXXX, I made a call to American Express MEMBERSHIP REWARDS and told the customer service that I can not transfer my XXXX MR points to XXXX XXXX. He told me that my account was under review to see whether all the transaction met the criteria to earn the bonus MR points ; however, he said that they will fasten the review process and give me a call this week. 

And today is XX/XX/XXXX, I still do not hear back from them and can not transfer my points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
I paid {$2100.00} ( Cash ) to specialized loan servicing due to the fact it was due on the XXXX of XXXX ( Had the bill for a month ) & i had already rec 'd a transfer of servicing my loan to XXXX, XXXX  XXXX  XXXX, whose transfer notice had no information about my loan or an amount to pay on the payslip. I didn't want my FICO score to fall so i sent the above mentioned Amount by XXXX XXXX on XX/XX/XXXX ID # XXXX, XXXX AM payment {$2100.00} assuming they would send it over to the new server. ( That wasn't The case ) Evidently, it had not reached them until the afternoon, because they told me they would not accept the payment when it was wired to them. The woman was adamant about them not accepting it. ( So i assumed XXXX XXXX would get it back & inform me ) At lunch i checked the Tracker on XXXX XXXX & it showed accepted/delivered, the confirmation number is XXXX. That afternoon, I spoke to a man named XXXX & he checked my information & confirmed. He said a dept. called the Resolution group had it & didn't know how long it would take to be released. This morning they closed all of my accounts on all 3 credit agencies. They all dropped XXXX points because XXXX wasn't on the reports with my Mortgage Transfer amount. I would like my money back since SLS had no account to appy it to. Timing is kind of funny that they closed it the day after i spoke to them.

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 2019-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: MIDFIRST BANK
State: NY

Complaint narrative:
There isn't a box for this issue, and it applies to many banks across the country. 

Banks use micro-deposits to link bank accounts. The banks then withdraw the funds. Some banks withdraw the money in one lump sum, but others like Mid First Bank remove the deposits in two separate transactions. The withdrawal counts as one to two transactions when the US government permits only six transfers in a month. These are not real transactions, and the government should not count them as one or two of the six. If the government continues to count them, then the government should require banks like Mid First to withdraw the monies as one credit versus two.

An alternative is to use another system rather than the old method of micro-deposits to verify the legitimacy of the bank accounts. The consumer is not in a position to negotiate the methodology but is impacted by it. The banks have no incentive to update the system. 

Banks like XXXX XXXX XXXX recognize the issue and leave the micro-deposits as a gift in the banker 's account. I am not familiar with any other institution following this practice. But, it solves the dilemma.

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has furnished inaccurate information on my consumer credit reports violating my rights under the Fair Credit Reporting Act ( FCRA ) & also illegally reporting false information not given with my consent nor the consent of the company in which it claims it came from and with doing so, has caused great damage to my life. Causing serious financial harm & in the process defaming my name. I have contacted Equifax for over a 2 Year plus time period in relation to inaccurate public records information ( cases number, XXXX & XXXX ) being displayed on my Equifax credit report. When I contacted them in regards to my dispute of inaccurate information they furnished me XXXX as being the bearer of information given to them. I then preceded to contact XXXX in regards to this information given to me. They replied only with a automated copy of their corporate response not giving me any specific information that was requested within the timely manner given each time on my behalf. I then proceeded to still contact XXXX with potential small claims action against them & they never responded. Sending certified mail every single time to Equifax they totally disregarded my inquiry to provide accurate information or information detailing their investigation into the pubic records themselves. Neither was done. The United States XXXX District Bankruptcy court Certified a letter in response to my inquiry of them reporting any information to the credit bureaus & they replied in a certified response claiming they do not report ANY information to credit bureaus or third party companies such as XXXX nor Equifax. I still have copies of this response they sent me.Therefore if they did not get the information from the Company in which they claim is reporting it or better yet if they are illegally obtaining and using my consumer information not in good faith I immediately urged the removal. I have provided them with more than enough information in my disputes to get this false information removed and they have not honor anything I have sent them nor requested of them with my rights under the FCRA. I then Contacted XXXX XXXX Directly & after several attempts with them they finally removed this inaccurate information from their data which I also have a copy of as well. So if the credit bureau claims to get their information from XXXX XXXX XXXX XXXX XXXX has furnished a response stating they have no such record in their system as well as the actual XXXX District Bankruptcy Court stating they do not report ANY information to Equifax why is this credit bureau reporting false & inaccurate information under my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
My wife and I wanted a treadmill. We contacted XXXX and discussed ordering a treadmill with them. Next thing I knew I had a credit card account with them. I did not order a treadmill or attempt to get financing for one. I can see from reviews of XXXX XXXX online that I am not the first to have this happen. I have never received any merchandise from this company. I have not signed or agreed to anything from this company. I do not owe this company any money. They have since sold the account to a debt collector and now I am getting harassing phone calls and certified mail. Now they say I owe them {$760.00} and I have zero products or services from them. I am worried they will now try and sue me for something I didn't authorize or receive. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management ( MCM ) called this morning at XXXX XXXX I had already sent them a letter pertaining to a XXXX XXXX bill I explained to them my income which is Social Security and I could not afford to pay this bill and they aggressively was trying to pressure me, corner me, and bully me into minimum payments of {$32.00} on the bill, even though I told ( XXXX and her supervisor ) I could not afford it. I was threatened that the debt would not go away ( by female supervisor ) and legal procedures would soon follow. They also asked me many questions about other debits as to say youre paying them why cant you pay us. The conversation is so tiring from XXXX XXXX to other potential debt that I made owe. I was bullied by two people on the phone I explained to them that they were stressing me out and they did not care, The conversation escalated more more I was having XXXX XXXX and sick to my stomach. I couldnt take it anymore The conversation was going in circles for over 30 minutes so I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: WI

Complaint narrative:
Through a backround and XXXX check provided by 'CHECKR ', previous driver 's license info was not shown ; report shows current Wisconsin license issued several months ago, but no mention of Illinois driver 's license that was active and in good syanding for many years prior to Wisconsin License.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
I applied for a loan via XXXX XXXX. Called XXXX XXXX XXXX which is actually 1st National Bank of Omaha in XX/XX/XXXX. I called to follow up on status & was told a letter was sent ( declined ). 

I verified the address and they left out my apartment, which I gave & was told on XX/XX/XXXX by 'XXXX ' it was sent " on the XX/XX/XXXX ' ( XX/XX/XXXX ). 

I never received the letter, so I called XX/XX/XXXX @ XXXX XXXX mountain time zone and spoke to'XXXX '. I recapped my experience and that it is ILLEGAL NOT T O SEND THE LETTER. He expressed that was his understanding. 

As of today XX/XX/XXXX, I have not received my denial letter as required. 

I intended to pay off a rip off loan that I plan to file a separate complaint.

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 2019-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
i told them this debt was because of identity theft and they will not respond to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has furnished inaccurate information on my consumer credit reports violating my rights under the Fair Credit Reporting Act ( FCRA ) & also illegally reporting false information not given with my consent nor the consent of the company in which it claims it came from and with doing so, has caused great damage to my life. Causing serious financial harm & in the process defaming my name. I have contacted Experian for over a 2 Year plus time period in relation to inaccurate public records information ( cases number, XXXX & XXXX ) being displayed on my Experian credit report. When I contacted them in regards to my dispute of inaccurate information they furnished me XXXX as being the bearer of information given to them. I then preceded to contact XXXX in regards to this information given to me. They replied only with a automated copy of their corporate response not giving me any specific information that was requested within the timely manner given each time on my behalf. I then proceeded to still contact XXXX with potential small claims action against them & they never responded. Sending certified mail every single time to Experian they totally disregarded my inquiry to provide accurate information or information detailing their investigation into the pubic records themselves. Neither was done. The United States XXXX XXXX Bankruptcy court Certified a letter in response to my inquiry of them reporting any information to the credit bureaus & they replied in a certified response claiming they do not report ANY information to credit bureaus or third party companies such as XXXX nor Experian. I still have copies of this response they sent me.Therefore if they did not get the information from the Company in which they claim is reporting it or better yet if they are illegally obtaining and using my consumer information not in good faith I immediately urged the removal. I have provided them with more than enough information in my disputes to get this false information removed and they have not honor anything I have sent them nor requested of them with my rights under the FCRA. I then Contacted XXXX XXXX Directly & after several attempts with them they finally removed this inaccurate information from their data which I also have a copy of as well. So if the credit bureau claims to get their information from XXXX XXXX & XXXX XXXX has furnished a response stating they have no such record in their system as well as the actual XXXX XXXX Bankruptcy Court stating they do not report ANY information to Experian why is this credit bureau XXXXeporting false & inaccurate information under my name and social security number.

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 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hello, I bought my first home in XXXX of XXXX, with a fixed rate, with XXXX XXXX XXXX as my lender. In the 3rd quarter of XXXX they sold my loan to Mr. Cooper mortgage, who currently has my loan. All calculations and agreements were for an approximately $ 1,100/month payment with escrow and insurance. Mr. Cooper eventually raised my payment for {$1200.00}. 
This past week they told me that my payment is increasing by over $ 400/month and I now have to pay {$1600.00} a month. Their explanation of an increase of property taxes doesn't make sense because I had a tax and escrow evaluation in XXXX. Now, 3 years after I bought the house they are pulling this stunt which is putting me in serious jeopardy of not being able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: SC

Complaint narrative:
I have disputed this alleged debt with Equifax on multiple occasions. I have sent several notices via certified mail to Equifax asking for their method of verification concerning the alleged debt from XXXX XXXX  listed on my credit file and they have failed to comply with my request. Equifax is in clear violation of the FCRA and can be sued for violations of such. i demand immediate removal of this inaccurate unverified account from my credit file within 30 days of this complaint! I will enclose a copy of the letter and certified mail receipt of my latest attempt to resolve this matter. XXXX XXXX is not an acceptable means of verification when i asked for a fair re investigation granted to me by my consumer rights. this will be my last attempt to resolve this matter before i take legal action. if this account is removed immediately i will consider this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TOWNEBANK
State: MD

Complaint narrative:
Monarch Mortgage company fabricated mortgage closing documents years after closing settlement and amended my Deed of Trust years after the fact. Although, I refused to sign or amend any documents that were omitted during closing. Their response is that I signed a Power of Attorney document. ( false ) The POA would have been valid to conclude settlement documents and when Monarch held my loan. Instead Monarch, XXXX  XXXX XXXX and XXXX XXXX added forged documents to the Deed of Trust years after settlement without my consent and/or signature/initials.

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 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
i notified this company this this was an account opened because of identity theft, and they wont respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XX/XX/XXXX, I went to Citizens Bank to make a {$310.00} withdrawal. The teller told me I was preapproved for a credit card but I declined the card repeatedly and told the teller I just want to get my money and leave. While there, I also realized that I didn't update my address. I told the teller my new address and then asked for my money. When I was trying to sign for my money and leave, I realized that I was signing up for a credit card because the statement read, " I authorize signing up for this credit card ''. I told the teller that I know how to read and it was dishonest of them to try to make me sign up for a credit card when all I want is my money. I refused to sign and told them I was only going to sign for my money, I signed for my money and left. A few days later I noticed on my mobile app that I had a new credit card on my line. I called the citizens bank toll free number and talked to a representative that said that the card was created the same day I went to the bank. ( I thought it was a fraud transaction but it ended up being that teller ). I also found out that the teller didn't change my address as I asked them to. The representative told me a credit card was coming to my old address. I told the representative to cancel the card and send a new card to my new address and I asked them to change my address. They changed the address and sent me a new card to that address. When I got the credit card, I realized it isn't even a type of credit card that I would want. Since then, I've talked to Citizens bank and they are working to change the type of credit card since removing the credit card completely would negatively impact my credit score but I think it is despicable to open a credit card without someone's authorization. If you check, I never signed for the credit card. You can not issue someone a credit card without their permission and without their signature. The employee engaged in fraudulent behavior just to get some sort of commission and I think that's unfair. Citizens bank has stood with the employee and everyone I talked to is calling this an accident or an oversight but I know this is deliberate. XXXX CITIZENS BANK. YOU CAN'T TREAT YOU CUSTOMERS LIKE THIS. I WANT AN APOLOGY FROM THE EMPLOYEE AND I ALSO PLAN ON CLOSING MY ACCOUNT. PLEASE DO SOMETHING TO CURB THIS UNFAIR PRACTICE.

Company response to consumer: Closed with explanation