vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient offers no options for private loans for borrowers who can't afford the insane amount they ask each month. I'm happy to repay what I owe, even if the education I got with the loans has done nothing for me professionally. I have asked Navient in the past to do things like apply my payments to the balance first and the interest second, which they refused to do. I spoke to them over the phone to ask if I could lower my payments in any way and I was only offered forbearances and was told there was no possible way they could lower my payments. 

I've also asked them to validate my debt in the past, and they refused to do that too. My current monthly student loan bill is {$560.00}, which is almost half my monthly income. This is the second time so far this year Navient has raised my payment without reason. Last month my payment was {$550.00}, of which only {$90.00} went to the actual balance. At this time last year, my payment was {$520.00}. 

I currently have my federal loans in IBR and pay nothing on them because I only make about {$1300.00} a month. Because of Navient refusing to work with me and make my payments more affordable, I can not be an independent adult and live on my own. On top of all this, my total balance has gone up by several thousand dollars since entering repayment in spite of making regular payments of several hundred dollars a month for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dipute with Experian indicating that XXXX XXXX   had incorrectly reported a balance on my Experian credit report. This account was included in chapter XXXX BK XX/XX/XXXX and discharged XX/XX/XXXX. I received a recent Experian Credit report Dispute Result Report # XXXX with XXXX XXXX   account # XXXX and its showing current change off starting XX/XX/XXXX through current date. This is a FCRA violation and Experian and or XXXX needs to correctly report as ND ( no data reporting ) due to Bk chap XXXX in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I over paid the balance on my credit card and asked it to be returned back in XXXX. As of the date of this complaint I still haven't received the money and now think they should pay interest at my current card rate since the time they have said they sent the money owed to me. My last inquiry was in XXXX at which time I was informed again that the check had been sent again. I still haven't received any check and I am tired of being told it was sent. 
They charge interest on my balances so now they should pay me interest on the balance they owe me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: WI

Complaint narrative:
transunion failed to verify the bankruptcy on my credit report i want the bankruptcy removed imediatly

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 2018-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: FL

Complaint narrative:
Loan funded Role : Borrower Applied : XX/XX/2018 ( 4 months ago ) Financing Amount : {$2700.00} Interest Rate : 14.50 % School logo Application Ref # XXXX XXXX XXXXXXXX XXXX Start Date : XX/XX/2018 I attend XXXX of XXXX, Fl for a XXXX XXXX which cost XXXX as told with option of monthly payments that was never made clear until I finish the course and started receiving email how I need to make $ XXXX  monthly payments when I talk with climb credit the company who loan the money for the XXXX XXXX told me over the phone monthly payment are set by me I pay what ever I can offered so I said ok. A few months later I'm being told I have to pay {$500.00} because I miss two monthly payment when on their web site ( climb credit My Applications login ) I cant set up my monthly payment plan to what ever I like. Why have this option if it will not be honor this makes no sense how can I choose my monthly payments in the first place if this institution imposes a mandatory monthly payment please help they are practicing illegal lending thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in regards to a Credit Deposit ( {$2100.00} ) that was purchased in XX/XX/XXXX from Bank of America. I had forgotten about it and recently found the Investment CD Receipt by chance. The paper receipt for this CD shows the original purchase date, but it does not show that the CD was withdrawn upon the maturity date or any other activity since it was purchased.

I have bank statements from Bank of America going back to XX/XX/XXXX, and I do not show that this CD was redeemed or that its funds were transferred to my account before I closed all of my Bank of America accounts around XX/XX/XXXX. 


I would like to verify that these funds were transferred to my accounts or withdrawn by me at the time of closing all the accounts. 


I initially contacted the State of California Unclaimed Property Department ( XXXX ; XXXX XXXX XXXX ) several times at the end of XX/XX/XXXX in case these funds were left unclaimed. However, they do not show any such unclaimed funds resulting from this unredeemed CD. 


I filed one complaint with the CFPB ( XXXX ) and BofA responded that they could not respond because I was a third party, and not authorized to access this account. 


I have all the relevant documents needed to show that I am the sole account holder ( California ID, US Passport, etc. ). I have been looking for resolution to this issue since last XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I made mortgage payments, Wells Fargo accepted the payments and still foreclosed on my home. 
payments XX/XX/ - pmt - {$4200.00} - PPD ID : XXXX XX/XX/ -pmt - $ XXXX-PPD ID : XXXX XX/XX/ - pmt - {$4200.00} - PPD ID : XXXX XX/XX/ - pmt XXXX {$4200.00} - PPD ID : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
On XX/XX/2018 I tried to pay for goods and services from XXXX XXXX XXXX. XXXX. I bought 2 suits, tried to pay with a check and it refused the check. I had more than sufficient funds in it. Then I tried to pay with a second checking account ( that also had plenty of money in it ) and that was also refused by : CERTEGY... 

I was totally embarrassed and humiliated. Everyone at the counter was looking at me like I was a thief. I was a cop for over 20 yrs...

Their call back number did nothing, and the computer generated voice activation system, kept messing up my account # when I called. 

This company has 590 complaints on the Consumer Affairs website, and is rated at one star out of 5. Totally incompetent.. Please fine them and yank their permits to operate as a legitimate business. 

Where do I go to get my reputation back at the store??? 

cont.. 

I would like an apology from the CEO - XXXX XXXX XXXX in writing to myself and the employees at XXXX XXXX - XXXX XXXX mens suit dept. who worked on XX/XX/2018. The check was for {$530.00}. They had to run two checks, and one CC ( finally accepted ) and take the time to re-check out the items I purchased and caused a back up in the line, and people giving me dirty looks like I did something wrong. 

I would like the same from Certegy 's CC VP - XXXX XXXX XXXX XXXX, because it is his division. And no one answers the phones to correct this at XXXXXXXX XXXX  on a Sat. afternoon. If credit is granted XXXX ; the company ought to have people available to correct their mistakes. 

Certegy should probably pick up half the tab that day. I mean really. You see it all the time in stores where people just stick in a CC and the store accepts it. Sign names like XXXX XXXX and post it to the internet. Even when people hand over a drivers lic. clerks rarely look at the picture. In the old days people were questioned about their documents, but not anymore. Big business and banks are always right, and to speak up about anything they hide behind rules, and automated systems that are not human to correct. 

Maybe Certegy should be promoted and put in charge of the USA 's nuclear missiles. I'm sure they'd do a great job. " Mr. President this is Certegy a finance company who assists the Dept. of Defense with approvals. Your launch codes have been declined! Please go on line if you have anything to say about this. We are open from Mon-Fri normal business hours. On Monday when we open someone from a foreign country may assist you. '' " Also, please have your routing numbers, DOB, drivers license, bank account numbers available as you will be asked for this information before we authorize a launch ''.

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 2018-05-06 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: WI

Complaint narrative:
equifax did not verify bankruptcy with the court i am demanding they remove the bankruptcy on my report it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: CA

Complaint narrative:
I filed a dispute regarding a bankruptcy reported on my credit to Transunion and asked them to show me were it is verified. they have written me a letter stating that they investigated it and it has been verified as accurate but they have failed to provide me with any sources of verification. I have attached the letter that I sent to them in regards to this matter

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 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am just going off memory, so my dates might be a little off. In XXXX or XXXX of 2016, I called Bank of America because I noticed a transaction on my account that I didn't authorize. I went through the dispute process and my card was supposed to be closed and a new one would be sent. Again, my CARD was supposed to be closed NOT my account, which was. About a month after I called, I called again because I had not received the new card. I was told the rep mistakenly closed my account instead of just the card. I asked if they could re-open it but was told it was too late. I was dealing with a lot of family health issues at the time and lost track of the bills that were sent and it ended up getting charged-off at over {$400.00}. Since I have been dealing with family issues for the past couple years, I haven't been focused on my credit like I should. I have been trying to rebuild and have made attempts to rectify this. They have reported on my credit report that I requested the account be closed but that is factually incorrect. I talked to Bank of America and was told it was they can't change anything they've reported because they are obligated to report information accurately ( well, they aren't doing that ). They also said that the account has been sold to a Collection 's Agency.

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 2018-05-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi, I signed up in XX/XX/XXXX a credit card promotion with TD Bank, N.A ( XXXXXX/XX/XXXX ) at XXXX XXXX XXXX branch, XXXX NY. The offer was XXXX XXXX offer : Customer must open a new TD Cash Credit Card Account between XX/XX/XXXX-XX/XX/XXXX, and spend {$500.00} in total net eligible purchases within 90 days of the Account opening date to receive a one-time bonus offer of XXXX Bonus Points, which can be redeemed for {$150.00} Cash Back, as well as a 1st generation XXXX XXXXXXXX XXXX , and a 1st generation XXXX XXXX XXXX    XXXX ''. However, the XXXX XXXX XXXX XXXX I received on XX/XX/, was opened and seemed to be used before and not able to power on. Therefore, I immediately contacted with TD Bank, and they told to contact with XXXX. However, XXXX was unable to help since the device was not purchased from XXXX or authorized retailers. Thus, I believe that TD bank has not fulfilled originally stated promotion that I signed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WI

Complaint narrative:
I was looking at my credit report tonight, through XXXX XXXX XXXX XXXX Tax Identity Monitoring and found a listing from XXXX XXXX XXXX in the amount of {$72.00}, opened XX/XX/XXXXand last reported on XX/XX/XXXX. I have no idea what this is from, as I have NEVER received any information about it over the phone, e-mail, or in the mail. I have read all kinds of complaints about this company. They are ruthless and unethical, even illegal. How can they still be in business?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
The complaint is about Wrongful Reporting of XXXX Resulted in More Taxes and Suffering. 
Mr Cooper had given wrong numbers on my XXXX ( Box 5, MIP ) for the years XXXX and XXXX, which resulted in more taxes to be paid. They ended up correcting the XXXX for both years, but that was not proactive on their end and took me several attempts to convince them that they gave me wrong numbers. During the conversation over the phone, some employees referred me to some bogus, not-real IRS laws that don't exist, and when I asked for a reference to those laws, they backed out and tried to change the subject, and ended up connecting me to a manager. I have been trying to amend my XXXX tax return, but the allowance I wanted to use for XXXX MIP deduction has expired and no longer available, which resulted in me overpaying taxes to the IRS that I can't recoup due to their delay in correcting my XXXX 's. I asked to be reimbursed, but they declined my request. I had to send too much time researching and trying to amend my tax return, but it ended up time and money consuming, and worthless due to expiration of MIP deduction allowance. They denied responsibility and refused to help even though it was their mistake. I think that might have happened to many people most of which don't know. They did tell me that they updated the IRS on my corrected XXXX 's and that was all they had to to. 
The main issue is that I had my closing around XX/XX/XXXX, where Closing Costs included advanced payments of MIP and else that I agreed to pay at the time. I got my XXXX for XXXX in XX/XX/XXXX and they included only about {$120.00} of MIP paid which I thought was accurate, then I got my XXXX for XXXX in XX/XX/XXXX, which had about {$1300.00}. By reviewing Closing documents from XX/XX/XXXX, I noticed that what Mr. Cooper reported for my MIP in XXXX XXXX was wrong. I had contacted them several time via email and even phone calls, but they denied my claims since they were sure their numbers were accurate. I had to ask to talk several people to over the numbers and insisted that the numbers were wrong, which they started to question but started referring me to IRS law that did not exist to justify their wrong reporting.I ended up asking for verification and references for those laws, and that's when they panicked because they were in violations of some laws. They asked me to allow more time to investigate AGAIN and ended up sending me an updated XXXX for year XXXX with MIP ( box 5 ) amount of {$3300.00}. I am not sure if they did that to others, but the way they received my claim and lack of seriousness caused me lots of frustration and over payments of taxes. They declined responsibility and want me to take the burden of their wrong doing, including my time, money and frustration. 

I can provide more documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX, PA. I purchased the vehicle in XXXX. As of XX/XX/XXXX, my lender ( GM Financial ) has not received the title on this vehicle and I have not been able to register or drive it. 
We have received the registration. However, the XXXX XXXX have not held up it end of the bargain of as far as getting the check engine problem fixed and he provided a receipt of we owe. After we filed a complaint with consumer complaint he went into action. On XX/XX/XXXX he called and agreed to take a look at why check engine light was on for 3 months. He told me to take it to XXXX XXXX XXXX. I took the vehicle on XX/XX/XXXX at XXXXXXXX XXXX. I left my vehicle and my witness came to pick me up. I kept in contact with XXXX the owner of XXXX XXXX he assured me he was going to fix the check engine and check on the issue. I communicated with XXXX daily, when it was time to pick up my car XXXX also said I have a massive leak in the front of the engine. On the XX/XX/XXXX I picked up my vehicle with an attachment of a nightmare, because XXXX tried to charge me {$55.00} for maintenance. When I refused, he said was not releasing my vehicle. My witness and I had to call the police to get my vehicle back, as well as call XXXX. When I contacted XXXX, he communicated with XXXX to release the car and he will pay for everything. He also stated he will investigate and take care of why the check engine like is staying on. 
After this ordeal it has been very difficult to get in contact with XXXX. He has been giving me the run around. And nothing has been resolved. I contacted him today and he stated he would fix the problem. I believe it is too late. As of XX/XX/XXXX I had to tow my car to his dealership, because I was informed that my car died. I have a warranty that is not helpful and a dealership who sold me a vehicle that stop working after 3 1/2 to 4 month. And I know is a law against that, I am not sure where to start. Hopefully your agency can lead the way. I want to continue be proactive in my complaint filing. 

I have now found the dealership and I drove the car to the location with a promise he would provide a loaner. I drove an hour to his location and no vehicle was provided. I am paying for a vehicle I can not drive. Because it was faulty and dangerous. I almost died, because my vehicle stopped in the middle of the road. And with my belief system in XXXX who sold me the car to drive. And he assured me it was going to be okay. It left me stranded for 3 hours. 

My loan is with GM Financial Acct. # XXXX. I want to get out from under this untenable situation but do not want to end up with a repossession on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: AZ

Complaint narrative:
I am a victim of identity theft. The following credit hard inquiries on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX, XX/XX/2018. The following collection account is fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX, 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