vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
For the second straight year I have been put into an  IBR pl an as that seemed like the best  option. While I was able to sustain the amount from last year ( about {$380.00} I think ),  when it increased to {$410.00} for the second year it got really hard. As a result I have missed my monthly installment twice now and am currently du  e for two payments for this month.
I called Navient on   the way to work this morning and asked for some assistance and the lady I spoke to  XXXX  pretty much told me there 's nothing else they can offer me. I questioned them about the lawsuit against them by the CFPB and she pointed me to their website of navient.comacts which seems to explain their side of the suit.     The only plan they could put me in is a revised payment plan which would bring my payments down to {$350.00} a month but in order for that to happen I 'd have to mak e a one tim e level up payment of about {$1300.00} to bring me current.     I told  XXXX  that I ca n't afford my {$410.00} payment so what made her think that I could afford a one time level up payment.     She pretty much ended the call saying they 're nothing else they can offer me and I currently have no resolution.     The problem I face is the terms of my student loan require to base my payments on the combined income of my wife and I and we have several financial obligations include family support to account for.     I want to pay my student loans until such time the lawsuit makes a determination, but I ca n't afford the amounts they are quoting me. I do n't understand why I ca n't pay them $  XXXX  {$250.00} a month as it 's better to pay something than nothing.     I need some help as I clearly can not get through to th em. Navient truly is h orrible with their customer service and it 's clear as to why they are being sued by the CFPB. I hope they get it in the end and realize that a servicer they should be helping their customers not hindering him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
The lender initiated foreclosure within the early intervention period in violation of Regulation X,  12   C.F.R. 1024.41 ( f ). The lender failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) The lender has also not responded to our QWR - Qualified Written reque st sent on  XXXX / XXXX /  2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo h as opened an unauthorized account in my name. They will not tell me if it is a savings or checking account. Aroun d 1-2 ye ars ago, I registered for their  XXXX  service with the email  XXXX  XXXX  XXXX . Somehow they got another email address of mine (  XXXX  XXXX  XXXX  ) and used it to open an account to which a person named  XXXX   XXXX  has been sending money. I get the emails from  Wells Fargo. These are legitimate Wells Fargo em ails. Each time I bring it up they try to blow me off by saying it 's some kind of phishing scam. They are liars. These emails contain legitimate links to  Wells Fargo 's website and legitimate contact information. Wells Fargo is doing something shady and using my name and email   address to do it. I do n't know anyone named  XXXX   XXXX  and I do n't have and never had any account  XXXX .  Wells Fargo  pretends this account does n't exist yet they are sending multiple emails to me each month about this account receiving money. I will provide screenshots of several of these emails so that you know that these are indeed coming from  Wells Fargo. I h ave deleted most of the emails but after a while it got so annoying that I started saving them. Please review the uploaded documents.

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 2017-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
Predatory lending practices.     The fees were outrageous, in the neighborhood of {$5000.00} on top of a {$2000.00} loan. I made a larger payment last month ( {$1000.00}  )  in an effort to reduce the amount of interest being charged. I called them this month, and they indicated that I did n't have another payment due until  XXXX . Ostensibly, they interpreted the large payment as several payments in advance in an attempt to tempt me to continue the loan, not pay again for several months, at the same time accruing the predatory interest fees. Under the circumstances I just paid it all off, causing much harm to my financial condition but it was more favorable than paying the principal amount several times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Automatic Data Processing, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX   ADP ( www.adp.com ) reissued my  FSA  card. I activated it and used it in   XX/XX/XXXX   and again   XX/XX/XXXX .  XX/XX/XXXX   I went to pay a  XXXX  bill on Friday   XX/XX/XXXX   and it was declined. I called ADP and they said the card was never activated. I told them f or one i activated the card, for two  i used the card twice afterwards. They said oops we dont know what happened. So i told them i need this card reactivated. They said they could not. They had to reissue me a new card. Afterwards i remembered i needed my card now because i was traveling thos week and called back. The  2nd   CSR w as a complete waste of time. While on hold 30 MINUTES called to get a different CSR. She tried to escalate but because of the other  two w asting time and handling poorly closed fir Friday. Called  1st th ing monday morning spoke to escalation person, he said because the  1st CSR put it in as a stolen card that he could not do an ything with the card i have in my possession. I am not sure what kind of hinky, unproffesional, shenanigans are going on in ADP but falsely inputting my card as stolen and shrugging it off which the escalation person did is completely wrong. I am a  XXXX  veteran and i have monies taken out of my check to cover medical expenses. For a company to say oh well not our problem and tell me to take my personal bank monies out to cover THEIR BLATANT MALPRACTICE and NEGLIGENCE, and their answer is for me to pay out of pocket and then file a claim that takes weeks to process. They should NOT be allowed to continue. Who else has this happened to and continues..   CSRS AND escalation codes  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
O n  XX/XX/16  I made  out a Check to  XXXX   XXXX , which he never received. However, on   XX/XX/16   , so meone went to Bank of America and cashed this check without an endorsement.   XXXX   XXXX  , who is my bank should have never accepted this check back from Bank of America without an endorsement and now they will not give me my {$800.00} back. They advise me that Bank of America is doing a fraud search. That should not be my problem. They do n't care because they are not out {$800.00}. I should be given my money back plus interest. It is now  4 m onths and they have no intentions of doing that. What are my rights? How can they get away with that?

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 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On   XXXX     I deposited my husbands check in the mail box of  Rabo Bank  in  XXXX  Ca at     XXXX   XXXX  . I then went to work. I checked my balance through bank texting and the amount   of husbands check had been deposited in to our checking. On   XXXX     I checked our account and check deposit was nowhere to be found. On  X/X/2017    at  XXXX  I went to bank to find out what happened to my deposit because I had numerous bank charges for insufficient funds. They said it was a electronic error and that I would not be responsible for any of the insufficient funds. Which is good but I 'm thinking that fraud was being committed on my acct by the bank to see if I would still pay for the insufficient charges.  Rabo Bank  is notorious for charging extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear CFPB ...     I am addressing to you my problem because i am sure you are treating the clients in most fair and competent way : well here is my concern ... And i want to say right upfront the reason why i address the problem just now in  XXXX  because citibank kept promising me for numerous time to fix the issu e ( mo nth by month ) but all their words were worthless.   I had a promotional offer to open gold checking account by  XXXX   XXXX   XXXX  with the promotional code which i included upon the process of opening account for receiving  XXXX  THANK YOU POINTS. And i followed all the requirements while i was opening account and within the next couple months as it was stated at the offer summary. But after waiting for several months i realized that i was missing my bonus. And i started calling citibank and told them i did not get the incentive. Well ... each time they said a different story :  1. 'it takes a little more time to reward you '', 2. " we are going to do a dispute '', 3. '' we  can not find the code which you entered. " ... and other other fake stories. I even have the chat with pictures where the agent confirms that i followed all the rules within the exact timeframe.   Then i started reading some feedback online from all other clients of CITIBANK with the similar issues and there were so many complaints about the same problem .... And that is why i made up my mind to look for the truth at another place by contacting you. And i feel so frustrated for all the time when i waited for the resolution and had to pay a monthly service fee of  XXXX  $ because i thought i needed to keep account opened so someone could resolve this situation prior to account being closed. So obviously I wasted a lot of money.   And today i am really begging you to help me in resolving this issue and provide me the incentive which i was qualified for so i can cover at least those expenses lost for the need of keeping account.   THANKS in advance for your help and please let me know if you need any other details.

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 2017-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Auto Lenders, Inc.
State: TX

Complaint narrative:
I have received an extraordinary amount of phone calls fr om National Auto  lenders who are trying to collect a debt. The person who they are trying to contact no longer has the number they are calling. I changed my number and I received the number from my cellular phone company for the person who they are trying to collect money from. They call from several different numbers at least twice a day. The phone call starts out as a robocall asking you to either pres s 1 if you are the person they are looking for or press 2 if you are not. Pressing 2 caus es a disconnect. I have actually looked the company up on the internet and got the phone number for them. I called and explained the issue to them and asked that I be taken off the call list. They said they would and it would take up to  10 bu siness days. That was over a month ago.     I do not owe this debt. I do not know the person who owes this debt. The person who they are looking to collect this debt from no longer has this phone number or is associated with this 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 non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I made all of the payments required on the loan plus all late fees and they add more payments on the end of the loan. been trying to resolve for 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: Statebridge Company
State: TN

Complaint narrative:
To whom i t may c oncern : Statebridge Company made a major error on my account ( see attachment ). This error caused m y credit score  to plunge  XXXX  Points.  Statebridge cl aimed that I have been 60 day late when in fact I 've never been 60 days. I was 1 day late for the month o f  XX/XX/XXXX   because  XX/XX/XXXX  was on a Monday when we attempted to pay on Friday   XX/XX/XXXX .  They need to contact both major credit reporting agencies immediately and have this corrected. I 'm applying for a home loan and this bad information will cost me a ton as a result of interest rate or being disapproved. I 'll need to hear back them soon I will file a complaint with the OCC and the  Consumer Protection Bureau an d sue for any damages. -  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
There is debt in collection from a company that I do n't even know for more  than 800 dol lars. The credit report show the name as AFNI

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
**This is no t a Duplicate Complaint. Fo llow up from  Complaint #  XXXX ** There is no need place an " Cease to communic ate '' on this account your claiming is mine, but a Cease reporting a frivolous collection towards my name. The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :   XXXX   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded an d retained in their files that pertains to this " debt ''. If EOS CCA d oes not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pa y )  they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I called the local branch on  XXXX / XXXX / XXXX  and explained that the account was closed in  XXXX   XXXX  and the lien was never released and has actually been renewed. The branch told me to call the  XXXX  number. I called the  XXXX  and after a lengthy hold, spoke with  XXXX  and was told the account is closed and the branch is handling the line of credit now. I asked how can the branch handle the account if it is closed. It was closed on  XXXX   XXXX ,  XXXX  ( I have a letter ) and the lien was never released, it was renewed.  XXXX  said the account is closed it should n't matter. It does matter, it affects our credit and our ability to get a line of credit at another bank. The new bank is questioning why th e Chase  line of credit is still open! Chase is renewing a lien on assets that they do n't have a right to lien as we DO NOT HAVE A LOAN AT  CHASE.  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
This is my second time using cash central. When I paid off the first time they needed me to call them and have a  three  way conference with my bank to prove I paid. This time I called and emailed my verification 3 times and they will not approve my payment even after it was taken out of my account. I am not sure why they can not find out if I paid on there end. I think it is shady that they need to go through this strange process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my  credit score . I filed a dispute with the credit bureaus with documentation, but it has gone no where.

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 2017-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This alleged debt first originated from  XXXX   XXXX   XXXX  that showed up on my credit in mid  XXXX . I disputed it with them because they said its from  XXXX  with no resolution. Then I got notified they sold the debt to Phoenix Financial Services LLC and they are saying I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
reopening  XXXX  the  XXXX   XXXX  that has the account in the closure statement is not me.   If you compare th e DOB and SSN they  are not the same and not the same person. You have falsely accused the wrong person and placed lien against the wrong person.     We are asking for you to remove the lien on our home which is not the address or home in the documents or on the credit applications.     We are requesting a letter so we can provide to our title company and our mortgage company that the lien and judgement is not against me the  XXXX   XXXX  in  XXXX  but against the  XXXX   XXXX   XXXX   XXXX  in  XXXX  wa. Please review and compare the application information against my information and credit report- they do not match It appears when the underwriters for  XXXX   did a  public record search on simply the name  XXXX   XXXX   XXXX   they  pulled up information regarding a  XXXX    XXXX    XXXX   (  veteran ) who lives in  XXXX   that  had a civil suit against him in  XXXX  see attached court documents.     Attached also is the  XXXX   County parcel property information o n  XXXX   XXXX   XXXX  in  XXXX  WA.     From  XXXX   XXXX   XXXX   XXXX  WA  per  credit reports and our property information and history you can see  XXXX   was  not in the military and did not nor does he have an account with Chase bank. And Did not and has not ever lived in  XXXX  WA.     There is not a lien on our property per  XXXX  County Records and if there was there would have been some sort of communication to myself and  XXXX  over the pas st 7-8 y ears about a lien on our property- since the Homeowners, bank and  XXXX  County Tax someone would have mentioned it to us over the past 7 years and Chase bank would have also mailed something to our house or contacted us but there has never been any communication with us from any of the listed entities and from the public record search I did there is not a lien on our house.     we went to the  XXXX   County  Courthouse and go copies of all the judgements and court cases against the  XXXX   XXXX  in  XXXX   (  not us ) these are attached- as you can compare the  XXXX   XXXX  in  XXXX  per the  XXXX  credit reports attached does not have any bad credit and did not have credit with any of these companies in the past and therefore we do not have a judgement against us or a lien on our house.       please provide a letter stating  XXXX   XXXX  in  XXXX  does not have a judgement or lien against his property in woodinville and does not owe you money and has never had an account with your company ( and never will ) letter and contact me within  72 h ours.     Since this complaint was opened previously and requested removal over 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
I had not  XXXX , but  XXXX  accounts with  XXXX .  XXXX  a personal and  XXXX  a business account. Both accounts went into default  (  {$730.00} personal and {$1200.00} business ) and eventually they combined the accounts and sold them. I 'm not disputing the validity of the debts, I 'm disputing the validity of the number of accounts in which the business account should not be on my personal credit. I signed the agreement using my EIN and therefore need the bills separated to know which is being reported correctly.

Company response to consumer: Closed with explanation