vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have requested on numerous occassions to have the extra money I send in each month to be applied to the loan 's principal. Wells Fargo is future dating my account rather than applying these funds to my princiapl. In an effort to pay off this high interest loan, I have been making weekly payments of {$100.00} in an effort to pay off the loan quickly. I currently pay through my bank by auto deduction payments. So, for four years I have been paying the loan off by paying {$400.00} per month ( {$100.00} a week ) therefore, {$5200.00} a year. Wells Fargo is future dating the loan and also applying these extra funds to interest. 

I have called, written, complained, etc. to no avail.

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 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
5th 3rd Bank bought the servicing rights to my loan early last year ( XX/XX/18 ). I was informed in writing that nothing else would change with the servicing of my mortgage loan. The prior servicer, XXXX, provided me with a written document of my escrow balance and the payments for the year prior to the sale. 5th 3rd should have received all this documentation during their purchase of servicing rights. 

To my chagrin, I found out in XXXX that 5th 3rd had not paid my flood insurance premium in XXXX ( $ XXXX/yr ) even it was clearly part of the escrow balance documents. The way I found out about their error was that they called me in XXXX telling me it had lapsed. My discussion with them was that it shouldn't have been missed since it was their responsibility as the servicer to assure the escrow was properly handled. I immediately called my insurance company ( XXXX ) to find out what could be done. 

During my conversation with my XXXX, they told me that my area had been re-rated by FEMA.. Because of the re-rating, I wasn't required to have flood coverage anymore and they provided me with the documentation. XXXX also told me that if I wanted to keep flood insurance my rate would drop to $ XXXX/yr. So I called 5th 3rd back told them that I didn't want the flood coverage anymore since it wasn't required and provided the documentation of FEMA 's re-rating. They then sent me a letter saying that they instituted flood coverage and the bill would be $ XXXX/Yr! 

I have been diligent with dealing with 5th 3rd to resolve this issue, but they have not done so. I have all the documentation regarding this issue and provided those documents to 5th 3rd. They failed to service my mortgage escrow properly by not making the flood premium payment for 4 months and then they try to charge me $ XXXX/yr even though I am not required to have it anymore. Furthermore, I have told them that I did not want to have flood coverage anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had a company issued American Express Card with my former employer, XXXX. When I left employment in XX/XX/XXXX, pursuant to instructions I completed a final expense report in order and closed the American express account. Charges amounting to {$330.00} not incurred by me for a company rental vehicle were added to the account prior to American express closing the account. Despite notification to American Express on XX/XX/XXXX, and several notifications to my former employer I continue to receive bills from American Express. American Express acknowledges that the account is closed but continues to seek payment from me. I am not responsible for these charges and fearful of my credit being adversely affected. With the late penalties assessed by American Express the current balance now is {$420.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was instructed to get CareCredit in 2015 and I was supposed to have XXXX XXXX XXXX corrected. I was paying the card but the company charged me more money than services rendered. I was charged for XXXX, an XXXX, and XXXX  that were never delivered. I contacted the company and they refused to get back with me or refund the money to the credit card. This is illegal. They work they rendered was TERRIBLE and I  paid for it already. I reached out and no one will help me. Now I am being sued for the remainder of the money which I did not even use and they are charging interest. I have paid XXXX. I owe XXXX that I never used and they are suing for 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 monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HELP!!!! Need urgent reply. 
1. All 3 credit agencies were asked in writing and verbally to remove a medical collection of {$75.00} and show it was paid. I have cancelled check ( ck # XXXX payable to XXXX XXXX XXXX., that cleared my bank XX/XX/2017. Found out later they had turned it in to XXXX XXXX XXXX XXXX, and told XXXX XXXX XXXX that I paid it direct ) XXXX & XXXX  totally removed it. Equifax still shows that I owe {$75.00} to them and shows me as being delinquent by 2 yrs. 6 mths. I want this corrected. I have tried both by phone and in writing. 
2. I am also in process of getting a mortgage. I have done what is recommended by comparing 3 diff. mtg. companies, according to your booklet ( Your Home Loan Toolkit, A Step-by-Step Guide ) but now I have numerous hard inquiries being reported due to these mtg. comparisons. Except for hard inquiries, XXXX  has made corrections and kept all my report information accurate, but shows 9 hard inquiries in past 2 years ( more about this below in item # 2 about auto shopping ) XXXX  is showing 7 hard inquiries and Equifax shows the most at 11. Equifax has not corrected hard inquiries when I leased a car 2 years ago. In 3 days I shopped at 2 different dealerships. One pulled credit twice and the other dealership pulled 3 times, with companies like XXXX. 
In my planning to get a mtg over the past year, I have monitored my reports and had any errors corrected. In addressing these hard inquiries for car shopping, Equifax is the only one that didnt reduce my hard pulls due to car shopping within a 7 day time frame. The other 2 agencies made an effort by removing a few of them out of 5 auto hard pulls. Plus I never gave these dealerships permission to check multiple places. The salesman asked if they could check my credit and I said Yes. Now I have the same issue with mtg shopping. And all the pulls say they are for home mtg. 
My FICO score with XXXX, has dropped to XXXX. But my XXXX  has dropped to XXXX as of yesterday. And Equifax has dropped me to less than that at XXXX, all mostly due to the 3 mtg companies doing hard inquiries. 
3. NOW MY URGENT ISSUE!!!! 
I have been approved for mtg but the HOA requires a FICO of over 700 to buy/live in their community. They just received my application and will probably be pulling my credit today and they will most likely deny my application to live there. Until the mtg companies started their hard pulls all my scores were above 700. HELP!!!! I do not have calendar time to deal with this without help. Everything takes 30 days with credit reporting agencies. The HOA is not going to wait on that. However, help right now with any of this should pull my other rates up over 700 to where they before I Started shopping for a mtg.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
In XX/XX/2018 I contacted BB & T to see why PMI was not removed from my mortgage. They responded and said that I did not qualify for removal. When I refinanced through them, they indicated that they would use the original appraisal amount of the house since the original mortgage had not been that long ago. No new appraisal was required. When I made this inquiry they said the value of my house was {$100000.00} less than the appraised value. This was done randomly as they conducted no appraisal or evaluation of the property. Since they fraudulently devalued my house by {$100000.00} PMI couldn't be removed.

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 2019-01-28 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an e-mail from XXXX  customer support that my XXXX account was accessed without authorization. Someone had made a purchase of an item and I was charged for it. XXXX secured my account, and I saw the purchase transaction on my Discover Card, which was completed via XXXX. 

I called Discover Card and notified them of this fraudulent charge on XX/XX/XXXX, and filed a complaint on-line with the message from XXXX as proof of my claim. On XX/XX/XXXX Discover Card reversed its decision to credit my account and kept the charge on my card, saying they have proof from the merchant that I indeed did make this purchase and was sent to my home address. 

I contacted my attorney 's office about my situation, and on XX/XX/XXXX they sent a letter on my behalf to Discover Card regarding this fraudulent charge. On XX/XX/XXXX Discover again refused to credit my account, saying there is still insufficient information to overturn their initial decision and continue with the dispute. I have several attachments showing the various correspondences between myself, Discover Card, and my attorney 's office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
In XX/XX/2018, I tried to open a checking account for my business transactions for my business over in XXXX. I already had a personal account and business account with First Citizens Bank and wanted to keep my overseas operations separate from my US XXXX activity. The bank refuse to open my account and told me that I was involved in a love scam, which was not the case. The bank made this allegation up on their own. Because of the negligence of the bank and using false allegations against me, they cause me personal harm to my character, monetary lost to my XXXX  business, and closed an account that I have with he bank for over 30 years. 

They said that I was in a love scam when I wanted only to open an account to pay my attorney for the transfer the ownership to my name and to give authority to my managers of my XXXX   plantation. 

I also felt that I ws treated differently because of my XXXX XXXX   Heritage because of the manner that I was treated. I AM A XXXX XXXX   XXXX COMBAT VETERAN AND A LONG TIME BUSINESS OWNER AND PRIOR ELECETD OFFICIAL in XXXX County XXXX. and respected by many people in this county. XXXX discrimination should not be tolerated in any form and covered up bu using old and irrelevant policies that are outdated. 

This is First Citizens Bank and Trust Headquartered in XXXX North Carolina. I have additional information if you require it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: AZ

Complaint narrative:
Thursday, XXXX XXXX, 2019 Completed and signed authorization to release my credit report from Experian to XXXX XXXX. 

Friday, XX/XX/2019 Received the following e-mail from Experian Hello XXXX XXXX, XXXX XXXX has invited you to join Experian Connect and view your credit report and score securely. 

To respond to this invitation, please click here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and be sure to use this email address. 

Here is a personal message from XXXX XXXX : I would like to view your credit report by using Experian Connect XXXX XXXX XXXX  XXXX XXXX Contacted Experian via phone to release my credit report to XXXX XXXX at XXXX   XXXX. I was informed that there were no restrictions to view the report. 

Monday, XX/XX/2019 Received a 2nd e-mail from Experian Hello, For security reasons, Experian Connect will not allow you to use this service if there is a fraud alert or a security freeze on your file. We apologize for any inconvenience this may cause. You will have to remove the fraud alert or freeze from your Experian credit report before you can register for this service. You can call XXXX and a live representative will be able to assist you with the removal process. Once the alert or freeze is removed you must wait at least 72 hours from your last registration attempt before you can try again. 

If you are interested in getting a copy of your credit report you can visit XXXX where you receive one free credit report per year. You can also send a written request to Experian, XXXX XXXX XXXX / XXXX, TX XXXX. 

Thank You, Experian Connect Support I completed the application to view the Experian credit report at XXXX, but was denied access. 

I called Experian on three ( 3 ) separate occasions to request an immediate copy of my credit report and was denied. I was informed the credit report will be available in 7 to 10 days. 

I informed Experian I was unemployed and needed an immediate copy sent to XXXX XXXX, and that I couldn't wait 7 to 10 days, and was denied immediate access to 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 explanation
Consumer complaint received 2019-01-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to dispute errors on my Equifax report for the past few months. And their services are very hard to work with. I am able to submit the dispute online without a problem. But when it comes time to check the status it gives me error messages stating that my information is incorrect. When I know for a fact it isn't. I contacted them directly and they stated that there is something wrong with the online portal. And I've been getting this " something is wrong '' notice since XX/XX/XXXX and we are in XXXX. But disputes I submitted came back after 28+ days and said the information was accurate when it wasn't. I don't know what my options are at this point because Equifax isn't being helpful in me getting this information removed from my report. I contacted the Credit Union and they verified the correct number that I told Equifax it was ( which is what is reported on my other 2 reports ) and I asked that they correct it right away. But I don't understand why the correction wasn't made in the first place with the dispute. 

It seems like there should be some kind of justice for them reporting the wrong information after a dispute has been filed. The creditor took my vehicle and it was not a peaceful retrieve my husband was in the car when they took the keys out and repossessed the car. They hiked my monthly payments up from {$500.00} a month to nearly $ 900 month because they added insurance. Making it impossible for me to pay. It was very predatory. When they took the car I had made 2 of the late payments and there wasn't a balance but they told me that since they took the car I would have to pay the entire loan out to get my car back. 

This has been very stressful and I just want to get everything resolved. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: IL

Complaint narrative:
Original borrow ended XX/XX/2012. Estimated total debt +/- {$38000.00}. Total initial consolidation at that time was {$76000.00}. I fought with Navient about this, they would not budge. I filed a XXXX  complaint and they credited +/- {$11000.00} due to a disbursement to the school that was returned. However they still double consolidated the total loan amounts!! I have been attempting to fight with them all along. I have filed numerous complaints and have gotten now where. I have paid, relatively diligently since and have currently paid in +/- XXXX. I know there is interest in there to pay back. Navient still has me listed as owing XXXX. 

1. Even if I did owe XXXX minus the XXXX credit, total XXXX - after paying in XXXX, how is my balance only decreased by XXXX?!!! 
2. I do not owe this massive amount and have paid for over 7 years on this loan without a decrease in balance. 
3. I can not get the balance due corrected!

4. Lawyers tell me that I am beyond the 3 year contract law discovery since I flied with the XXXX. 

What do I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
I tried numerous time to resolve this XXXX XXXX XXXX XXXX XXXX - XXXX account. This is not my account I explained o them this several times. This bill is for services that was secured in Texas. I never resided in Texas nor have I ever requested services in Texas. I don't owe this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a Navient customer. Since XXXX of 2018, I have filed 3 income driven repayment plans. During the last application of IDR I attached a letter explaining I can not afford {$870.00} a month as I am a XXXX in Georgia, XXXX XXXX with a son who has XXXX. Currently, my monthly repayment plan is still at {$870.00} a month. Navient is not being cooperative with my needs. I am in the mean time going to apply to have my loans consolidated through the federal loan servicing. I need my voice to be heard this is very frustrating and not necessary. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I didnt receive any notification or verification they told me they didnt even have the information on me to verify its me debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I took out a Citibank loan while attending XXXX XXXX University as an international student. This loan has since been sold to XXXX XXXX XXXX XXXX whose account ends in XXXX with a reference number # XXXX. 

Currently Citibank is still reporting that I have miss payments even though I pay XXXX XXXX XXXX a $ XXXX  monthly fee. I need Citibank to stop reporting missed payments for a debt they no longer own.

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 2019-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I w

as forced to work with Navient because apparently I had defaulted and needed to " rehab '' my loan prior to consolidating. My loan was assumed by Navient in XX/XX/XXXX - the following two years I sent navient payments but never saw any payments toward my principal. I fought with them ALOT while they serviced my loans, but nobody was willing to help me. The basic attitude was I couldn't do anything to get this consolidated unless I just kept paying them, so I did. In XX/XX/XXXX I was FINALLY able to get the loan consolidated. At the time that I was able to consolidate, I had paid around {$980.00} to navient over a period of approximately two years. In that time, my balance INCREASED {$490.00}. In summation, I somehow came out of the " rehabilitation '' period at a {$1400.00} DEFICIT. I have since managed to get out from under Navient 's thumb, however, I believe that I am entitled to at least the {$980.00} in payments that I made. At no point was Navient cooperative in my eyes. And I believe their tactics were threatening and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANCO POPULAR DE PUERTO RICO
State: PA

Complaint narrative:
I have tried twice to open a Checking account in the state of XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), Both times i have been declined in doing so. I have contacted XXXX XXXX and i was provided with the details that are on my file. My current bank ( since XXXX ) Banco Popular de Puerto Rico has put something on my file which says the following : Unpaid : {$0.00} Contribution Reason : " Transacting with an account in an unauthorized or prohibited manner ''. That makes absolutely no sense. 
I called my bank and told them the feedback i received and their answer was " there should be no reason why you should not be able to open an account ''. So i do not understand what my next move should be. 
I have never ever in my 32 years had a negative experience with any bank. Never had i once had a negative withdraw or very low balance in my account. I have had my Savings account with Banco Popular since XXXX. I use that account for everything and would like to open a checking account in XXXX because i am not living in XXXX XXXX at the moment. I could open a checking with Popular but i do not reside there.

Company response to consumer: Closed with explanation