vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citicards refuses to delete unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?
Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.
Credit card companies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.
FCRA requires that all creditors are supposed to validate information before this information is added to your credit file.
The truth of the matter is the credit companies dont review any documents let alone keep a copy of your credit application in their files.
Citicards never provided me with any documents validating this account.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I missed one payment  XX/XX/XXXX . Then another in  XX/XX/XXXX . In XX/XX/XXXX  I applied for a loan modification after receipt of a " Notice of Intent to Accelerate '' from Selene Financial. Selene claimed to have not received this packet initially, so again in XX/XX/XXXX I resubmitted all documentation via e-mail and US Mail as instructed by the Mortgage Company. Each time I called, I was told some document was missing. They did this until all documents were stale dated. Once again, in  XX/XX/XXXX I resubmitted. This started a vicious cycle I was to familiar with from the last 2 applications. In  XX/XX/XXXX  Selene refused my payment. I sent it back to them. They returned the payment once again, thus making it look as though I did not pay. I contacted the Law Offices of   XXXX   XXXX   and hired the firm  XX/XX/XXXX . I had prepared a new loan modification packet ( # 4! ) to which my attorney submitted, under his firm 's name, and by golly this was approved! I started paying again in  XX/XX/XXXX , continually, in fact I am a month ahead on my account.
On  XX/XX/XXXX , my mother signed for a registered mail from Selene ( even though I am still represented technically ) which happened to be another Notice of Intent to Accelerate! I promptly called Selene, and was informed they can not speak to me because I am represented. I asked to speak to a supervisor and was switched to   XXXX   XXXX  , supervisor of the loan resolution department. He was not only unhelpful, he was RUDE.
I have spent {$3000.00} on my attorney to submit a packet I had done 4 different times. I have paid my mortgage on time, except for 2 times, XX/XX/XXXX  and  XX/XX/XXXX . This company is reprehensible! I consider this harassment at this point.
I wo n't even get into the credit damage this has caused!
What can I do about this? How do I stop this from happening non-stop for the next 30 years?!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I received a letter from Diversified Consultants, Inc. dated   XXXX    XXXX , 2017 stating they represent a   XXXX   XXXX   and that I owe their client {$45.00} on a very old  XXXX  former  XXXX  account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On  XXXX / XXXX /2017 I did a wire transfer of   XXXX    XXXX  from my account at Bank of America, to my family account in   XXXX   at   XXXX   XXXX   XXXX  . Attached wire transfer confirmation.
The money never reached the destination account.
Attached recipient 's account statements for  XXXX /  XXXX   and  XXXX  2017.
When I asked Bank of America about this issue, they told me the money was sent to an intermediate bank in  XXXX  (   XXXX   XXXX   ) and they do n't know what happens after that.
I 'd like to have someone investigate/solve this issue.
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The loan servicer has made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued notices of default for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. The servicer is not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. The servicer denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submitted loan modification many times and Ocwen continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by the servicer. The servicer is subject to an existing Settlement Agreement with my state 's Attorney General, and my loan is eligible for coverage under that order, but the servicer denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I tried to do my free credit report on   XXXX   and some of their questions do NOT pertain to me and because I could n't give them a correct answer, I was denied my credit report. I paid off   XXXX    major bills and then they lowered my credit score and this is NOT right!! Experian is NOT doing their job and they are lowering my ability to obtain a loan even though I do not have ANY high balances ( except my mortgage ) on all my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of   XXXX   2014,   XXXX    2014 30 days past due as of  XXXX  2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been in contact with Navient in an effort to refinance my loans. The amount of interest and fees is incredibly high, I told them I want a break down of each loan, and the interest and fees. I feel I am being charged unfairly. Even though I make payments monthly, the balance is increasing. I will never get these paid off. I need them investigated regarding my interest and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
On  XXXX / XXXX /17 Huntington National Bank involuntarily offset my account in the amount of {$550.00}. The problem I have with this is I spoke with a member of the Huntington National Bank customer service the week prior regarding the debt they took my money to pay. A phone call the representative I spoke with on  XXXX / XXXX /17 verified through their records. A customer service representative was supposed to contact me between  XXXX / XXXX /17 &  XXXX / XXXX /17 to set up a payment arrangement for this debt. Instead of calling me back to set up this payment arrangement, they decided to clear out my bank account instead without my knowledge. This left me with a {$0.00} balance, checks out for bills I had paid, and stuck in another state with no way home. As a courtesy, they refunded {$100.00} because I called them extremely upset that I was stuck somewhere else with my daughter and was unable to get home because they took every penny I had. I contacted them on two separate occasions after this explaining the situation and how I spoke with someone regarding setting up payments. They would not work with me at all. I went into a local branch and spoke with them about the situation and the man was very rude, stating the bank is not going to refund my money just because I ca n't manage my finances. I received a letter stating they had done this because they had contacted me by mail several times regarding the account that needed paid, but that letter was the first one I ever received from the bank. They also informed me they would refund a return check fee due to a check being returned because they took all my money. When I called back to get this refund, they had no intention of refunding it until I stated I was filing a complaint with the CFPB. I have been banking with this bank for several years and was very disappointed by the way this was handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was over drafted  XXXX  dollars, the morning for unknown transactions. I had used   XXXX   XXXX   the day before to put some money into my account because I just got back from vacation and I do n't get paid until early Friday mornin g pnc  has jacked me around for a long time now with the pending transactions I need this app to work so I can have a stable balance in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: TN

Complaint narrative:
I received a letter from   XXXX   XXXX  ,  XXXX  dated   XXXX   XXXX   , 2017    stating they represent a  EOS USA  and that I owe their client {$45.00} on a very old  XXXX  former  XXXX  account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
During  XXXX  I was being treated by   XXXX   XXXX   XXXX   in   XXXX   TX., for what they termed as a   XXXX   XXXX   XXXX   but offered shots to return the majority of the   XXXX   XXXX   XXXX   XXXX   XXXX  . I agreed to the shots directly into my  XXXX . The first shot proved to do nothing as did the second and third. I went to another   XXXX   XXXX   but this time to a  XXXX . He   XXXX   XXXX   into my system and showed me on a computer screen the interior of my   XXXX   XXXX  . He stated that they had diagnosed me incorrectly and further explained why the injections they gave me did not work. They were the wrong medication and should of never been injected into my  XXXX . I contacted AMERICAN EXPRESS and explained the situation and they charged back the merchant. Soon after they AMERICAN EXPRESS put the charges back on my account. I then sent detailed correspondence to them and called and they removed again. Shortly thereafter they put the charges back on my account. This went on for six occurrences. I continued the process and the disputes and they AMERICAN EXPRESS began to ignore me. When I would call they would refer to my dispute calls to collection where i was harassed as to when I would pay my bill. Then the letters came telling me they were going to closed my account, write it off as bad debt and turn me over to collections. They would no longer have conversation with me.  XX/XX/XXXX  they did just that, they wrote it off and turned it over to   XXXX   XXXX   who I wrote and explained the situation. AMERICAN EXPRESS then turned it over to another collection firm in  XXXX , GA. Now they have some woman calling about 20 times a day from  XXXX , a number in the greater  XXXX  area.
AMERICAN EXPRESS needs to do the right thing and charge back   XXXX   XXXX   XXXX   permanently, credit my account and remove the damaging derogatory status from the  XXXX  (   XXXX   ) credit bureaus.
My dispute was of just cause and was and is not frivolous.
Thank you for your time and your anticipated assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In  XXXX , I ordered clothing from  XXXX   XXXX . Sales person ask me to open a credit card account, which I did. She never mentioned it was actually a credit card thru  XXXX   XXXX  which had I known, would not have authorized.     As soon as I realized this, I called  XXXX , talked to a  XXXX   XXXX   XXXX  and he agreed to cancel this account. This did not stop  XXXX    XXXX   from sending me a bill even though I paid off the purchase in  XXXX  of  XXXX . They enrolled me a VIP program and sent a credit card which I never confirmed or never used.  XXXX  continued to bill me {$14.00} month. I refused to pay and ask for signed proof of requesting their card. Never received my request. This is much like  XXXX   XXXX  fraud.     In meantime,  XXXX   XXXX  turned the acount over to  XXXX   XXXX , who this complain is about. I have explained to them this situation. They continue to harass me with at least  two  times a day, even though I have requested proof that I signed any paper work authorizing this credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I 've been dealing with this since  XXXX / XXXX . I 've spent over five hours on the phone with various Navient employees trying to have them remedy this : they never applied the checks sent in, and deducted from my bank account, to my student loan account.
Two weeks ago, I spoke with   XXXX   XXXX  , a supervisor, and he said he would make sure to get it taken care of ; and he apologized for all of the trouble I 've been going through, trying to get this resolved.
They have still not reconciled my account, it shows I 'm " past due, '' and they 've falsely reported their error to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo has acknowledged receipt of all documents to make a complete package as of  XX/XX/XXXX . I have continued to recieve " missing documents '' letters even though my agent is calling in every 48 hours. On  XX/XX/XXXX  she was told this was submitted to investor for approval, but as of today she was told it was not submitted, there has been no movement on the file, and there are squatters that continue to enter the home which is a problem. We have a buyer who has offered a price that the bank has said they will accept, but as an FHA file, my agent tells me we are needing a doc called an ATP ( approval to participate ) and no one at Wells seems to even be aware of this document or even the process. They have told me there are no timelines they have to abide by and this CAN NOT be correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PACIFIC WESTERN BANK
State: CA

Complaint narrative:
I am the Trustee of the XXXX XXXX XXXX Revocable Trust. XXXX XXXX is XXXX. She opened her CD in XXXX XXXX XXXX  Pacific Western Bank a year ago. Her CD in the amount of {$160000.00} matured on X/XX/17. In XXXX of this year, XXXX XXXX  moved into XXXX XXXX. She needed her funds for her care. I sent a letter of instruction dated XXXX XXXX, 2017 requesting full liquidation on the maturity date and included a deposit slip with transfer details. I was informed PWB could not transfer the money. I offered to come into the branch but it was now closed and the accounts moved to XXXX. I was advised the check had to be mailed. I did not receive the check. I made several calls and was advised to just wait. After many weeks I was asked to send a deposit slip and voided check so they could walk the check to XXXX XXXX XXXX  bank ( XXXX XXXX ) for deposit. I was then contacted by : XXXX XXXX  Assistant Vice President Branch Operations Manager Pacific Western Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX XXXX XXXX XXXX XXXX told me all previous bank associates were not giving me the correct information. They could not reissue the check because it was a cashier 's check. I would now have to complete a stop payment and declaration of loss and indemnity form before they could start the process, then wait 90 DAYS before reissuing. The form was ambiguous. I had my client 's attorney review. There are protections for the bank but not for the client. I do not want to sign this form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I received a credit monitoring ale rt on  XXXX / XXXX /17 that an acco unt with Midwest Recovery Systems was added to my profile. I received no dunning letter from this company regarding the alleged debt. They gave me no opportunity to request debt validation as I have not had any sort of business relationship with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I took out a  XXXX  loan with Navient my freshman year of college. I 've so far paid {$4500.00} and I still owe {$1600.00} according to Navient. That make 's no sense when my interest rate is set to 4.25 %. Someone please help me with this as I 've been paying and paying and the compounded interest does not seem right whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Every year when I go to get my XXXX annual credit reports Equifax is the only one that states I must mail in personal info, A copy of XXXX or social sec card ... I should not have to mail this personal info when the other XXXX  companies do not require it. I think they just do not want to provide the free report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 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. BANCORP
State: IL

Complaint narrative:
Early in XXXX, 2017 US Bank sent a letter stating I contacted US bank to convert my XXXX XXXX card to a new type XXXX XXXX  card. I never contacted us bank to convert my card. In fact I did not have a XXXX XXXX card with us bank. They explained that in fact they converted my US Bank Visa card to a new XXXX XXXX XXXX card with out my permission.
I believe at the least the company committed fraud, lied about me contacting us bank, and issued a XXXX XXXX card without my permission.
I understand from us bank customer service, that they did this to many customers, that had not used the visa card for some time to get them to use a new XXXX XXXX card. This could number into the thousands they frauded I have attached documents to 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