vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my XXXX and Transunion credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that XXXX, and Transunion remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX Thank you in advance for any support you can provide.

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 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
i WAS TRICKED INTO USING WATCH-GUARD PREFERRED FROM CITIBANK N.A . FOR SEVERAL YEARS. I NEVER WANTED IT. PLEASE GIVE ME A REFUND FOR MY MONTHLY FEES I PAID FOR SEVERAL YEARS. I NEVER GAVE CONSENT TO HAVE THIS FEE PAID FROM MY CITBANK N.A. ACCOUNT. THANKS.

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received the attached letter from Eqifax dated XXXX/XXXX/2016. They stated " We have reviewed the inquiry information. The results are : This inquiry has been deleted. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX Phone : ( XXXX ) XXXX '' I called XXXX and they have to factual record as equifax likes to call it so they advised I call Equifax. Called equifax and the first agent told me lies. I got transfered to a superviosr who stated she could not pull up any of the letters which equifax sent me because they are not factual. She stated she would place me on hold and " research this '' she hung up on me. I called ack and got transferred to another sup. They stated they saw the letter but they cant do anything on there end regardless of what the letter states. I asked him then what was the point of thel etetr stating something would be done and it hasnt. He stated the info a previous agent provided was incorrect as they have NO way on disputing anything on their end. everything is done through the company. ore lies. The supervisors agent id : XXXX. If a company sends you a letter stating something will be done..then one would assume it would be done. I guess Eqifax is different. The date of the inquiry to be removed is XXXX XXXX, 2016. 
- XXXX XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I made several complaints against Wells Fargo in the past 2 years, my 2 last ones are left unanswered by the bank ( complaints XXXX and XXXX ). Last week, my attorney had to call Wells Fargo about the mortgage payoff statement. Guess, they did send it to the other bank since XXXX/XXXX/17 and was waiting for a confirmation. I can not understand a bank to bank would take that long. Even, why after a week they did n't call to make sure that the other party had received the money. It must be at least a couple of XXXX XXXX of dollars. If that does n't bother them why can not they pay my legal fees for the entire process? It wo n't call that much. What about me? I have been fighting for this for so long. Noone cares to reassure me ; they just let me worried and desperate. It is wrong, really wrong. 
As of this hour, they still did n't send me any confirmation. XXXX XXXX called me but no written document to confirm the transaction. By the way, when will the mortgage satisfaction be recorded? That shows again Well Fargo insensitivity towards their customers. It is really a pattern for this company. I was shocked today when I read something online about them again. In a letter to Acting Labor Secretary XXXX XXXX, Senator XXXX said she noticed on Tuesday that the site ( www.dol.gov/wellsfargo ) was gone and contained the words " Page Not Found. '' Yes, it is true. I just checked and it was still down. This is upsetting. Who is going to help us, the little guys?

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 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have paid off my loan with a credit card, which I had to pay a balance transfer fee, because I had to continue to apply for what was offered to my for assistance which was a forbearance and I would have liked for there to be easier or less expensive ways to pay my loan when times were hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Fin. Auto loan. I have contacted Ally concerning payments and the fact that I have this loan paid in advance with next payment due XX/XX/2017. I have given proof using their payment history which clearly shows 59 payments with 2 of the them being dbl payments for a total of 61 payments. They agree but REFUSE to update their records to show proper due date of next payment! I was also assured that no payment was taken solely for principle. This leaves me at a loss and a feeling of being FORCED to pay something I DO NOT owe or risk a bad report on my credit! This is not the first problem I 've had with Ally Fin. and although they give me the impression they are willing to get my account squared a way, they always come up with a excuse and talk in circles. end result is I cant seem to get any where with them. I have never had such problems with a Auto loan ever .I have had Auto loans with XXXX XXXX and XXXX and never had these discrepancies!

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: MN

Complaint narrative:
I took out a loan with Salliemae before they spilt with XXXX. I took out what was recommended for my studies and now I will be paying for it the rest of my life. Salliemae and XXXX began charging me ( without warning ) almost {$1000.00} per month for my loans. I had not found a job in my field yet and was already struggling to meet my other bills so on XXXX when my first payment was taken out all of my money was gone and then some. I called and tried to get help but they told me they could not lower payments and could n't work with me. So I was forced to go on deferment as my over 10 % interest rate continued tacking on money to my already sizable loan for a full year. Every month I would call and plead with them to help me get on an income based repayment plan but every time they refused and advised me that, because I was able to pay them {$100.00} every time I went on deferment, that they could n't help so I should just default. I had run out of deferments after a year and was billed once again for almost {$1000.00} ( which I could not afford ) and so I had to default on my loan. A day after my bill was supposed to be due I received a call from a Salliemae representative asking why I had not paid. When I explained the above their response was " Well I do n't know why we would advise you to default, we want to help you repay your loans '' and it was at this point that they finally let me get on an income based program with a lower interest rate. 
However I find that I am not making a dent in what has now become almost {$100000.00} in debt due to my year of deferment and my default. The payments are still unreasonable and at this point Im basically paying off interest rather than the actual loan. 
My school ( XXXX XXXX XXXX XXXX XXXX ) was no better at helping than Salliemae or XXXX. The school gave us no assistance with finding a job after graduation even though there were promises to send us offers or recommendations. It became abundantly clear that the school was in it to make money, not turn out media professionals that it claimed to have done. The curriculum was a joke during my second year and if it was n't for having a few teachers who did n't want to XXXX us over I would n't have learned anything or gained experience that I needed to find my first job ( on my own about 8 months after graduation mind you ). 
Salliemae and XXXX have given false advise and no help when it was desperately needed that has effected my credit score, my ability to get loans in the future, and my general overall well being. XXXX did not provide the education promised which led me to have to fight to get an entry level job in my desired field.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have private student loans with navient and XXXX when I applied for them they never were upfront with me on fees, payment plans, and how many loans I exactly had with them. 
I know am over XXXX dollars in debt with them and am required to pay close to {$900.00} a month in payments to them. I only work on call and do n't make this kind of money they are not willing to work with me on this matter and are very rude. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ME

Complaint narrative:
Received an unsolicited email from " Cash Central '', via " XXXX ''. I did not apply for a Payday Loan, on XX/XX/2017, as the email states. Also, In the body of the email received, It alleges I have " Too Many Direct Deposit Accounts, as well as unable to verify residence. I attempted to contact " Cash Central '', but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was going through a modification I completed all steps.I received final document and I had questions concerning documents regarding names on documents.They transferred my case to another department and was acts to provide a copy of my divorce decree from my ex-husband who I divorced back in XXXX and a copy of a quit claim deed.I provided her with those items.I was then told that my divorce decree had to say I was awarded the house.I originally told XXXX my point of contact that my divorce decree did not say .I informed her that it was n't until XXXX that my ex-husband signed the quit claim deed.I informed her that I documents from the appeals court of California stating that the house belong to me.I faxed them over to her and couple of days later I receive a letter stating I was dropped from modification review because I did not send modification paperwork .Not one time did my new point of contact mention the old modification paperwork and when I called my old point of contact I was told she was no longer handling my case.I feel that my point of contact did poor job in handling my case and that I was treated unfairly.I would like for Wells Fargo to reopen my modification review and also bring my mortgage current .I was told that payments was not do until XXXX because I was approved as long as I completed the trail period.I completed the trail period ahead of time. Wells Fargo was incompetent in approving my modification and they have caused me a financial hardship.

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 2017-01-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I 've had a mortgage with Ocwen for the past number of years and had fallen behind in my payments. I was making payments but about 30-40 days late. They sent me an unsolicited modification offer that I reviewed and accepted. I followed the directions ; sent in my trial payments ( 3 months ) and, they, then rejected the mod based on a conflict of names on the title and their loan forms ... I sent them a notarized name affidavit which they received on XXXX/XXXX/16. since then, I have been getting run-around with no resolution. 

My home is the only asset that I posses and it seems that, since they returned my modified payment allegedly because the mod was denied, they are now telling me that they have no idea when this will be resolved and that I am now at 109 days in arrears. 

I am hoping that your agency can get me the approval that I need to continue staying in my home ... from all the claims that I 've read against Ocwen I believe that they are looking to get me to the point where I owe too much to catch up and they get to foreclose. I must avoid that from happening

Company response to consumer: Closed
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a Public Record listed on my credit report that is inaccurate and incomplete such as a Bankruptcy that Equifax is reporting. The federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my report belongs to me and is accurate and complete. I have requested from Equifax numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE this bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from Federal Bankruptcy Courts stating that they DO NOT report information to the credit reporting agencies, but yet Equifax is saying they have verified it with Federal Bankruptcy Courts, and I know they do n't because the information they are reporting is inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Eastern Account System of Connecticut , Inc. ,  XXXX .  XXXX   XXXX   XXXX , CT  XXXX  -  XXXX ,  XXXX  (  XXXX  ) AGREED to delete the debt from my credit report upon payment in full on a recorded line.   I did pay the debt in full. It is a medical debt and went to collection when I will still making payments in good faith to the original creditor. I checked today and the debt is marked paid in full and not deleted as agreed. The collection agency has not kept their word to me or made false statements to entice me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/16 with CapitalOne. 

We are going into the third month of this short sale. Every single time we call we get a different story on the status or why they ca n't move forward, or some other infantile excuse from the short sale department. This time, they claim they have no authorization on file for us. It is obvious they are defrauding their investors and committing servicing fraud by purposely delaying a decision on the file in order to collect the 'double ' servicing fees they automatically receive for servicing defaulted loans. 

Today, CapitalOne told us they can not speak to us as there is no authorization on file. ... ... ... What happened to it? Did it go to the Land of the Lost Dryer Socks? 

Since CapitalOne has proven so incompetent as to be completely unable to do a simple task such as not delete documents from their files, how can anyone condone their continued existance in the real estate and financial business? 

Or -- -- is this retaliation for the last CFPB complaint we filed against them? ( I attached that here as well )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
1 -On XXXX XXXX, I received an email from 5/3 Bank stating that a {$250.00} cash bonus would be earned if one would " Deposit {$25000.00} or more in new balances into a new or existing Relationship Money Market account by XXXX/XXXX/XXXX. '' The other condition listed was that the balance would need to be maintained until XXXX/XXXX/XXXX to earn the bonus. 
2 - On XXXX XXXX, a deposit for {$25.00} was made. 
3 - Statement covering from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX did not show bonus. 
4 - A call to the phone number listed in the original email resulted in my being told I should receive a call by XXXX/XXXX/XXXX to let me know of the status. That call was never received. 
5 - A visit to the " XXXX XXXX '' branch where this account was opened and the required deposit was made led to a bank employee calling on my behalf. The employee was told that I would not receive the bonus. 

That is basically the situation. If any further information, documentation, etc. is needed, please contact me. Thanks in advance for your help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My car loan company has closed my acct and shown it as bad debt. I still have the car and am making payments, at this time I am current. This has caused me great grief as I can not buy a home due to poor credit marks by them. In addition they have charged me XXXX in fees. the original loan was for XXXX to date I have paid XXXX and still owe XXXX. Something does n't seem right. I never signed a contract with these people. Originally I signed with a much better company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a Citi Prestige Card ( for which I pay {$450.00} per year ) that rewards purchases in Thank You Points. The Thank you points can be used to purchase travel related items. In XX/XX/2016 I purchased two tours through the Citi Thank you Portal 1. Dinner Along the XXXX XXXX and 2. Spectacular XXXX. I paid XXXX points ( {$130.00} equivalent ) for the first tour and XXXX points ( {$46.00} equivalent ) for the second tour. 
The tours were not as advertised. The first one did not provide the tour offered and the second one was cancelled by the vendor. I contacted Citibank upon my return on XX/XX/XXXX by telephone. They assured be the points would be refunded. I contacted again the following week and got the same reassurance. I then contacted again at the end of XX/XX/XXXX and spoke with supervisor XXXX XXXX. I have been in email contact with XXXX XXXX ever since. He called me on XX/XX/XXXX to tell me that they agreed to refund the XXXX by night tour and the points would be back in my account by the end of the week. I am still waiting. On XX/XX/XXXX I was told via email that I would receive the points for the 2nd tour as well. I am still waiting. 
After numerous emails where I provided extensive documentation and phone calls I am still out of my points that I earned via an expensive credit card. I was cheated out of the tours I booked and now it seems I am not able to get my points/money back either.

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