vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
For 6 years I have disputed with XXXX XXXX that the debt they placed on my credit report is not mine. The debt is only {$490.00}. I make $ XXXX per year. If I had made that debt, I would have paid it off by now. It hurts my credit. I am in need of credit. Out of principle, I refuse to pay it. That should tell you something. 

The point in the matter is that someone else used the card. I contacted XXXX XXXX and discussed it with them. However, they refused to pursue the case then and they continued to impose this debt on my report. 

Each month they restate this debt on my report. I won't pay it, again out of principle. The debt is not mine. 

Please help me. I finally want this behind me. 

XXXX XXXX Closed ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor Company Sold Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$490.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX  Monthly Payment Past Due Amount {$490.00} Highest Balance Terms Revolving Responsibility Individual Your Statement Comments Credit line closed-grantor request-reported by subscriber CONTACT INFORMATION XXXX XXXX XXXX XXXX, OH 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 explanation
Consumer complaint received 2019-02-27 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
The Credit Card and checking account was opened in XX/XX/XXXX for my mother. I only had a P.O.A. that says no financial gains. A contract was issued in my mothers name ( Not Mine ). It was under my mothers name as card holder and I would have to use her date of birth and social security to access the account. In XX/XX/XXXX Wells Fargo on there own changed the account which was in there best interest. XX/XX/XXXX my mother pasted away and the accounts were to be closed. Wells Fargo again change the account to my name with out my knowledge and now expects me to pay the account off. 
I have asked for a copy of the contract showing my name on it but was told " Because we remove banking records and history according to guidelines the application is no longer available for review ''. This is not acceptable and the account should be removed from my records. Instead they have reported several months late to the credit bureaus and have destroyed my credit rating.

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 2019-02-27 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
For the record XXXX XXXX!! I am not Mr . XXXX!! The statement you sent me with a balance and a hospital name IS NOT VALIDATING A DEBT! HOW YOU ARE A LEGAL COMPLIANCE ADMIN AND DONT KNOW THIS??? You did not send me an itemized bill and an itemized bill is NOT A VALIDATION! This debt does not belong to me and needs to be removed! Commonwealth HAS NO VALIDATION that it does! I have a RIGHT to force this debt collector to prove sufficient validation that I owe this debt. Debt validation is MY federal right granted under the Fair Debt Collection Practices Act. If a debt collector can not verify a debt with sufficient proof they can not collect from me and can not list the debt on my credit report. I have attached what commonwealth has sent to me THIS IS PROOF COMMONWEALTH CAN NOT VALIDATE THIS DEBT, AND IT NEEDS TO BE REMOVED! Or I will take the next step to seek payment for damages and them violating the Fair Debt Collection Practices Act. I am not and will not pay this debt! AND ITEMIZED BILL IS NOT VALIDATION. WHERE IS MY SIGNATURE? ANYONE CAN TYPE UP A DEBT AND ADD A NAME AND BALANCE. Remove this from my credit as it should, or send REAL VALIDATION! I HAVE RECORD THAT YOU REPORTED THIS ON MY REPORT XX/XX/2019 I FILLED A COMPLAINT HERE XX/XX/2019 LISTING AN ADDRESS IT WAS NOT UNTIL THEN YOU SENT A LETTER, YOU SHOULD HAVE SENT THE LETTER PRIOR TO ADDING TO MY REPROT, HARASSING ME AND XXXX UP MY CREDIT FOR UNDER {$100.00} FOR SOME XXXX XXXX THAT'S NOT MINE! I WILL SEE YOU IN COURT! WHATS ATTACHED IS NOT VALIDATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted this bureau a few times in the last 90 days on XX/XX/108 and XX/XX/2018. Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted this bureau a few times in the last 90 days on XX/XX/ and XX/XX/XXXX.  Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.

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 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to assume the mortgage for the home I own since my husband ( sole on the loan ) died in XXXX of XXXX. I was not on the loan, but we had filed a joint tenancy deed, and I was the sole inheritor of all of his property by will. The mortgage company, Wells Fargo, was provided with both the deed and the will. I was initially told that I would need to refinance. I knew this was incorrect and that I had the right under the Garn St. Germaine act to  assume the mortgage. The attorney who handled my estate filing interacted with Wells Fargo citing my statutory right both by correspondence and phone several times, with no successful resolution. I made a previous complaint to this bureau, with no successful resolution. I was recently reassured by a banker that I did have the right to assume the mortgage, strengthened by recent regulation, and recontacted the company ( both mortgage division and corporate ) by letter XX/XX/XXXX. This time I did receive response acknowledging my right, not to assume the mortgage, but the right to be " reviewed '' for an assumption. This review was to consist of a credit income qualifying process. It is my understanding of the Garn St. Germaine Act that if I wish to assume the loan, the lender must honor the assumption whether or not I am creditworthy. [ XXXX XXXX XXXX, XXXX XXXX, pp XXXX, XXXX, XXXX, XXXX ] Because this is so, I object to the requirement imposed by Wells Fargo that I must undergo a credit income qualifying process the fees of which are approximately {$3400.00}.

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 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Criminal Extortion DEBITS OF CHECKS {$25.00}, {$25.00}, {$24.00} PROCESSING BLIND FUNDS EMPLOYED AS BANK PROBATE ; PRAECIPES, NOTICES OF APPEAL, BANK STATEMENTS ; XXXX XXXX {$25.00} # XXXX, XXXX {$25.00} # XXXX, HISTORICAL ACCOUNTABILITY WITH HUNTINGTON BANK : TWO PREVIOUS BANKS CRIMINAL EMBEZZLEMENTS ; {$200.00} Deposit Trust Collusion into Checking XX/XX/2019 PARENTS TRUST AND ESTATES LIVING RESIGNED AS THE FUN SUCCESSORS ADOPTEES XXXX COUNTY 2014-PB-v-998, 2016-PB-V-247 ; XXXX COUNTY OHIO COURT OF APPEALS, SEVENTH CIRCUIT COURT ILLINOIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: IA

Complaint narrative:
About a month ago, I received a call about a debt. They have sent me an itemized list of the debt, but with it, I couldn't get any information from the original creditor. I sent them a dispute, since I wasn't able to get any information on the debt. Today, XX/XX/19, they called me, and I asked her for more information. She claimed that I never gave them my address, which I did -- and said that it was my fault that I didn't get any mail from them. I asked her to send further verification that it is my account, and she said they've sent all they needed to. When I kept asking for a written document showing me more details, she said that she will put me down as " refused to make payment '' and hung up on me. I kept calling, and she would hang up. I feel like if I can't find anything about my bill with the information they gave me about my original creditor, then they should provide more, but they're refusing to. They were willing to provide some info through the phone, but I wanted it in writing. She go pretty loud when I asked for that. What do I 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 2019-02-27 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: AZ

Complaint narrative:
To whom it may concern : I tried to get my Equifax credit report but was denied. This isnt the first time and I tried to get them to investigate it but they didnt. They have credit information that is fraud on my report. I found out through a private detective that someone took out a credit card and auto loan in my name. Also they are reporting I worked at XXXX XXXX when I have never worked in the industry of hospitality. Please look into this ASAP. Thank you sincerely XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: PA

Complaint narrative:
I have no idea what is happening to my student loans from XX/XX/2009. I originally had 2 loans when graduating totaling roughly 17k. Ive sent money sparingly over the years, have bad wage garnishments, and now these 2 companies Navient & XXXX own the debt. I am outraged, last month I got a letter saying one of the loans principal was at XXXX and a month later they tacked on a XXXX fee! This was from XXXX. So now Im at roughly 45-50k off of XXXX. This Navient company only ever sends me these forbearance texts and emails where a simple yes puts Them into forbearance. I need help. I have no idea what to do about my loans. Its emotionally and financially devestating knowing what This has become. Im wondering what type of options I have. Im currently unemployed and am willing to find a public service job if it means I can get some of this crippling debt erased. I have countless letters and documents from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I went to make an urgent deposit into my Capital One account at an ATM in the XXXX  store at XXXX XXXX XXXX, XXXX, MA XXXX in XX/XX/19 at XXXX because I needed this money to be available to cover a debt on the same day, but the machine swallowed my deposit of {$570.00} and returned me {$30.00} saying they were kneaded and simply after that it shut itself down by restarting the system without completing the deposit in my account and giving me any receipt. I contacted Capital One but the same just said that I could just open a claim and wait for at least 7 days for the answer being that I needed my money right away and being that it was a problem even filmed by the cameras from their machine shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Fair Financial Corp.
State: MD

Complaint narrative:
On XX/XX/2019, I went to get my car to get to work. My vehicle had been repossessed without my knowledge. I called the leasing company and was informed that my vehicle was repossessed by the company for a delinquent balance owed. On Monday the XXXX of XXXX I spoke with XXXX a respresentative for Fair who collected a payment in the amount of {$340.00}. I also told him that I would be making an additional payment on Wednesday the XXXX, after the {$340.00} clears. He put the payment through and also mentioned to me that he would send the an email to the office in New York about the additional " miscellaneous '' to get it corrected. Never in this conversation did he mentioned to me that my car was in repo status. His statement was that this would put my account in 14days behind, giving me the couple of days to make the remaining payment, in the week which would total to {$570.00} for that week. It is now the XXXX of XXXX and my car is reported as repossessed. I spoke with a representative of Fair Inc., who after learning of what happened, transferred me to her Supervisor, XXXX. I explained the entire event to XXXX, and she had informed me that the payment that was made on Monday didn't post to their system, even though it cleared from my bank account. After hearing this, XXXX said that she'd call me back after looking into this matter. This was all at XXXX on XX/XX/XXXX. An hour and a half goes by, and around XXXX I call back. XXXX, a representative with Fair Inc. answers, and I share with him the story of what's happening. He emails his supervisor, XXXX who responds back to him to tell him that although they found that is was a misinformation and miscommunication on their end, there is nothing they can do. The result was that I am responsible for the fees that the towing company, the miscellaneous fees that have still not been looked into, and lastly the full payment on the vehicle which is what I've been paying on for the last two and a half years. This company has been poor in their role of accountability and I would NOT recommend ANYONE doing business with them, as the integrity lacks. I still wait for the call from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The information that are on all three of my credits report ( XXXX, XXXX and XXXX ) are not accurate. I have try to contact them a few time and i haven't heard back from them. 

Here are the credit cards : Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Repeated phone calls to me from American Express and I'm not the account holder. 

Two phone calls so far today ( XX/XX/XXXX ). Five phone calls yesterday ( XX/XX/XXXX ). Three Phone calls on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ameritech Financial
State: NJ

Complaint narrative:
Ameritech informed me my funds would be used toward my federal student loan balance. However, that wasn't the case. When I spoke to the student loan XXXX XXXX, they said none of the above happened.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
On XX/XX/18 I received a noticed from XXXX XXXX, XXXX Trust informing me of a change to my XXXX XXXX cash management sweep vehicle with no date for the stated change of cash vehicle, nor any disclosures. 

I wrote a demand letter XX/XX/18 requesting all disclosures for the use of cash sweeps in the Trust accounts. 

Additionally, XXXX XXXX, XXXX Trustees have an accounting petition pending before the Surrogate Court of the State of New York, the County of XXXX, which has been contested and for which Discovery requests for production have been sent by myself to the fiduciary and attorney, XXXX XXXX, XXXX XXXX. of XXXX, XXXX XXXX XXXX XXXX. Disputed in the accounting is the use of various cash sweep vehicles for which the fiduciary failed to provide disclosures. 

The banking system of Community Bank System , Inc, XXXX XXXX  XXXX XXXX , XXXX and XXXX XXXX, XXXX XXXX XXXX has failed to provide disclosures for the compensation / commission arrangements between it's subsidiaries for the use of the XXXX cash sweep vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: GA

Complaint narrative:
I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX  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
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
We are receiving repeating calls for an entity calling themselves " Municipal Services '' requesting us to call XXXX. They identify themselves as a debt collection company. They give absolutely no information as to the nature of this alleged debt.

Because I have never received a letter of demand for payment and the lack of information, the generic pre-recorded nature of the call I am sure this is some kind of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: VA

Complaint narrative:
I enrolled with XXXX XXXX for a year and I made payments every month but I just found out that none of my payments were going towards the loan. XXXX XXXX student loan forgiveness program made false promises that I could permanently reduce my XXXX monthly payments, they charged me illegal upfront fees. They also told me that my fees would go toward their student loan balances, which wasnt true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient ignored my " borrowers '' best interests in violation of its government contract to prevent borrowers from moving to XXXX ( the student loan servicer that administers the Public Service Loan Forgiveness program ),  so that Navient could continue to earn fees. 

During XX/XX/XXXX - XX/XX/XXXX I was advised by ancient to enter into an unemployment deferment. I was eligible to enter into an IBR that would count towards my 120 payments in a PSLF program. In XX/XX/XXXX, I was then advised to enter into standard repayment. Only because I could not afford repayment I looked into the matter further and realized I could have been an an IBR plan. 

During XX/XX/XXXX - XX/XX/XXXX, I went against advisement and managed my account and entered an IBR. My financial situation was exactly the same as the previous 3 years. I was part-time employed at several colleges working over 30 hrs. In fact, since I was working over 30 hours I did not qualify for the deferment that was suggested. 

I am requesting that the months from XX/XX/XXXX - XX/XX/XXXX be  counted towards my IBR. I am willing to pay back payments at the same rate that was determined for the period between XX/XX/XXXX - XX/XX/XXXX. 

My current IBR payment is slightly high because I am now full-time which is a different financial situation. 

I have requested documentation from navies but was referred to my online account. they informed me all the information I need is there. but dates on deferments do not show.

Company response to consumer: Closed with explanation