vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-05 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: CA

Complaint narrative:
On XX/XX/XXXX, I logged into the Navient site and scheduled a payment of {$300.00} through their make a payment tab. The payment was later marked reversed on my list of transactions on Navient 's site. 

Today, XX/XX/XXXX, I was told by a representative of Navient that the XX/XX/XXXX payment was refused ( by my bank ) for " various reasons. '' I had checked with my bank on XX/XX/XXXX and they never received the XX/XX/XXXX request for payment from Navient. They have no record of it in my account, said the XXXX  XXXX XXXX representative. 

On XX/XX/XXXX, I set up an automatic payment from my checking account of {$500.00} through XXXX  XXXX XXXX XXXX automatic bill pay to Navient. I did this through XXXX. Today, this payment shows on the XXXX  XXXX XXXX site as having cleared, but then the XXXX XXXX XXXX representative looked closer and told me Navient had refused this XX/XX/XXXX payment on XX/XX/XXXX. 

On XX/XX/XXXX I spoke to a Navient representative on the phone who told me he would put in a ticket and look into my payments, which had not shown up in my Navient transactions online. 
When I talked to another representative from Navient on XX/XX/XXXX, I was told that " ticket '' was " double escalated '' but that I could not talk to the employee at Navient to whom it had been handed off. 

On XX/XX/XXXX I logged in to Navients site and set up a single payment to Navient from my XXXX  XXXX XXXX Checking account of {$10000.00}. 

On XX/XX/XXXX I checked the transactions on Navients site and saw that that {$10000.00} payment is listed as refused. 

On XX/XX/XXXX I called Navient and was told that if my payment of {$10000.00} went through, it wouldnt show on my transactions because it would be sent directly to the Department of Education and then, on some future date, be taken off of my loan amount without any transaction showing on the Navient site. It would be as if I never borrowed that amount. This same representative told me Navient is part of the Department of Education. I researched this claim online and found that Navient is a private institution and not part of the government. 

In summary, I have been trying to pay off my loan from Navient electronically in various ways. None of my attempted payments, either done through Navient 's site or XXXX  XXXX XXXX XXXX Bill Pay app has gone through. To date, no Navient representative that I spoke to on the phone has double-checked my XXXX XXXX XXXX account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I contacted equifax regarding false information that has been reported to my credit report, i also reported the issue to the Cfpb, and it had been bought to my attention that it was reported regarindg my address and phone calls that were made stating they were me, i have ask for photo copies, and information. XXXX has the wrong information, your company stated they spoke to me and had my address, I live at XXXX XXXX XXXX, and not XXXX XXXX. i had not received. ive ask for information even regarding your investigation. I would like this to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Hello, I never received any written notification that I had a collector debt from US Collections West from a Property called XXXX XXXX XXXX. I did not find out I had a debt until I checked my credit report. I have called this company and spoke to a collector that handled my case to request documents that show proof this is indeed a debt of mine. This person stated he would and has never sent me anything. I have even provided an updated address. I waited called again several times with no success. I have called and left multiple messages as well. Proper letters have been mailed to this company as well which have now gone over 60 days with no letter responses or calls. First call was made on XX/XX/2018, two calls to US Collections West was made back on XX/XX/2018 and then again on XX/XX/2018 requesting proof that this is indeed a debt owed to myself. They are currently stating I owe about {$3600.00} in which that was the amount written off to them from the property per a lease agreement, however they are refusing to send me the documents that shows me this proof. I do not agree with this debt, I do not believe I owe this debt.

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 2019-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
Im willing to pay {$1800.00} to Harris & Harris the collection company has refused to except my payment of {$1800.00} as paid in full regarding account number # XXXX. Its my understanding that the original debt with XXXX XXXX that the account has been sold to the collection company Harris & Harris which gives the collection company full authority to except my payment as payment in full. I spoke to Harris & Harris the collection company this week and was told they could not settle the account that XXXX XXXX wouldn't allow then and that i needed to contact XXXX XXXX. So i contacted XXXX XXXX in XXXX XXXX Nv and spoke to XXXX in billing and he told me that he would get ahold of suppervisor XXXX and see if he could except my {$1800.00} AS A PAYMENT IN FULL. I called back and was informed that XXXX XXXX could take payment as Harris & Harris had full authority over my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have previously tried corrrecting the issue with the company XXXX XXXX XXXX XXXX XXXX- however they only show to have XXXX   out the balance not clear it. I have tried to dispute the info with TransUnion and they have yet to return with info.

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 2019-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX Opened XX/XX/XXXX {$900.00} XXXXLast reported : XX/XX/XXXX {$3000.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, FL 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 2019-01-05 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: DISCOVER BANK
State: FL

Complaint narrative:
Your reply to the consumer affair has nothing to do with what I am referring to. In XXXX and XXXX fraudulent charges where made which followed to XXXX. You guys have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XXXX there were a lot of charges made on that month you charged me for. the money you said i owed for XXXX, I did not owe. You owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe XXXX because you didnt know what I owed for XXXX. I had fraudulent charges in which you agreed to in your investigation. you guys are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what you we has nothing to do with my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo mortgage acct no. XXXX open on XX/XX/XXXX home sold XX/XX/XXXX shows late payments on XX/XX/XXXX ( 6 months after close of sale ) I called Wells Fargo they just gave me run around with no resolution

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 2019-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LendUp Loans LLC
State: TN

Complaint narrative:
I have ask to set up an affordable payment plan, but the company refuses to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I took out a loan for {$210.00}. Shortly after that, I had someone break into my car and steal my identity. The robbers broke into checking account and filed taxes in my name. This caused me to go delinquent with XXXX. After I was able to fix the damage that the robbers did I tried to pay my balance that I owed XXXX XXXX. They told me that I would have to pay them XXXX. I explained my situation but they refused to work with me. I think that it is unfair and predatory that they will not allow me to pay the balance that I owe them. In addition that is harming my credit. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I signed up for a new Business checking account with Wells Fargo for a {$500.00} bonus after I deposit {$2000.00} in new money and make 5 debit card within 60 days. All this was done in the first few weeks of opening the account and I still have not received the bonus. I have already reached out to Wells Fargo twice about this issue and they are stating that the banker did not attach the promo code to my account. I opened the account in a different state and there is no way I will be going to the bank to get this fixed in person when they are more than capable of fixing this on their end. I was given a printed document which clearly stated that the promo code was attached to my account. Please help me with this issue so Wells Fargo does not steal my money. 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 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX, XXXX  and XXXX  consumer report. Online Information Services is reporting inaccurate data to these credit bureaus. I didn't receive a validation letter. I'm not familiar with this account. I have asked them to remove this account because its really bringing down my score. If its not remove/ deleted ASAP, I have no option but to sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Our state had national disaster. Homes flooded and some lost. 
I contacted my bank to let them know my XXXX payment would be late I paid it 12 days later on the XX/XX/XXXX. 

They reported my payment 31 to 59 days late on all reports.

I have included proof showing this info and proof of payment made and citi banks violating the fcra in regard to refusing to report accurately to my credit report. I would like the cfpb to fine them 3000 to me for the violation of this.

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 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells fargo opened up a secured credit card using funds from my checking account without my knowledge. The card charged off ... and i had to settle with them because it was interfering with me getting a job. This charge off is on my credit report.

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 2019-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX, XXXX  and XXXX  consumer report. SCA collections is reporting inaccurate data to these credit bureaus. I didn't receive a validation letter. I'm not familiar with this account. I have asked them to remove this account because its really bringing down my score. If its not remove/ deleted ASAP, I have no option but to sue this company.

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 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
There are two issues pertaining to all Wells Fargo accounts I closed on XX/XX/2018. Issue one concerns the secured card collateral of XXXX dollars the bank never returned after closing the secured card. The bank claims it takes 60 days to send out the refund. Issue two concerns the payroll check issued from my employer the bank received, but claims it needed me to provide information from the employer to verify the amount and it's date of issue. After contacting Wells Fargo customer service, the representative claimed that in order to receive any documents that verify the bank received any ACH deposits from the employer, I had to pay XXXX dollars. This is ludicrous! To add insult to injury the customer service person stated that it would take an additional two days before the bank began the process to verify any ACH deposits. Something is definitely amiss and it's time for someone to look into the situation.

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 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Walwick, Inc
State: WA

Complaint narrative:
Did not know about debt.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We received the response from our initial complaint, but we are absolutely not satisfied with our mortgage companys response. We want to know WHY our escrow account was been mismanaged in XXXX and HOW could they put us in this unfortunate situation. Our monthly mortgage payment from XXXX to XXXX has increased {$600.00} even with the escrow shortage being spread over 60 months. If we had known that our monthly mortgage payment was going to increase over {$600.00}, we would not have gone through with buying our home. And this increase is solely because of the failure of the mortgage company to appropriately manage the escrow account.

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 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: PA

Complaint narrative:
This complaint is posted as even though there is a collection posted on my personal credit report, at no time was I ever given notice of such a collection from a public utility. I do not accept public utilities having the right directly or through a collection agency to post a negative item on a consumer 's credit report. The Fair Credit Reporting Act was not established in 1970 to take public utilities into consideration, as they are governed not by federal laws, but through public service commissions in each state. Accordingly, this posting on my personal credit is illegal by federal mandate. The original utility known as XXXX XXXX XXXX XXXX XXXX can send to me an invoice for payment once the collection is deleted from my personal credit report. DELETE THIS COLLECTION AS THE DEBT WAS NEVER VALIDATED!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have a pending complaint against Fifth Third Bank, complaint XXXX. On Friday evening, XX/XX/2019, I attempted a transaction on my debit card. The card was denied. I tried again, the card was denied. I had nearly {$7000.00} in the bank. I called the bank, I was transferred three times and spent over two hours on the call. After two hours and seven minutes, I was connected to the dispute department at which time I learned via the representative that my bank account had been frozen due to the claim I filed for reimbursement of fraudulent activity. The bank refused an explanation as to why our account was frozen and would not explain to me why they had placed over a negative $ 16K fee/balance on my account. The fraud department supervisor ( XXXX ) would only transfer me to the fraud investigator 's voice mail ( XXXX ) something the bank previously stated was against bank policy. I filed a police report on the fraud and an officer has made an attempt to provide images of the thief ( s ) that corresponds to transaction receipts on my account. However, Fifth Third declined the images. Fraud has been proven. 

I received no notification that my account was being frozen. My account was frozen during late afternoon/early evening on a Friday afternoon, ensuring we would not have access to our funds during the weekend. We have no ability to access our funds in order to purchase fuel for our car or groceries for our family. This is an effort to intimidate and cause financial hardship on our family. The bank is engaging in predatory and retaliatory business practices and attempting to make us absorb the fraudulent activity we experienced through their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I received an escrow check from SPS inc made out to my ex-wife and myself. I inquired how to get the check sent in my name only. I was told to send in my divorce decree, which I did. A year later I have not received the replacement check for the one sent in. When I called all I receive is excuses why I don't have the replacement check. I am owed another escrow check and wondering if stumbling and bumbling company will make it out as the original check creating another long drawn out process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation