vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Management Partners LLC
State: WI

Complaint narrative:
The company calling me is also calling my sister every hour claiming to call themselves XXXX XXXX- number is XXXX or XXXX, they sometimes call from an unknown number so you can not block the number. They scream into your VM and threaten you, claim they are going to come and take my car, put a tag on my drivers license, put an arrest warrant out for me, etc. If this was an actual bill collector, they would have had something sent to my house, and/or legal papers delivered! The man also told me if I continue to hang up on him, he will continue to harass my family members, as of which he is doing, every hour of the day, starting at XXXX XXXX. When you call them back, they are rude, will not give you names and get loud and violent over the phone with you. If you call and no one answers, their VM will state that it is full, so you can not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My husband and I have a XXXX XXXX credit card for XXXX years more or less.One day my son told me if I new what account care was while going over my statement and if I new that I was paying for it, I said no I do n't know anything about it. this was around XXXX and my husband of 45 year has XXXX  away and my son was looking at all of my financials. 
I told my son to call XXXX XXXX card to cancel the account care service to no avail, my son called many times. So I was forced to pay for all those years even after I was aware of it. 
I want to know if I have rights from the award that XXXX XXXX XXXX card awarded it to their costumers for fraudulent account practices. 
Please respond at your earliest convenience. Sincerely. Yours Truly.

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 2017-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX XXXX I received a phone call from card services - for a Bank of America credit card. The rep on the phone explained that this call was an attempt to collect a debt for a Bank of America credit card with a balance of {$580.00}. 

I told the rep I never had a Bank of America credit and I went on to ask her when the account was opened she said the account was opened in XXXX and the last payment received was in XXXX from a XXXX account. I 've been a Bank of America customer for 11 years with a checking and savings account. 

I contacted the fraud department the very next day and they said they would investigate the matter. I recently received a letter from Bank of America fraud and claim team with the following message : After a thorough review, it has been determined that statements were mailed to you and payments were made. As a result, you 'll be responsible for any balance on the account. 

I was n't asked any information to substantiate my claim about this account being opened fraudulently. Nor did Bank of America provide me with any proof they used to verify that this account belongs to me.

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 2017-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex serve sided with the merchant after i explained that i paid for 2 seperate vehicles r registration tags. Either of them were done in XXXX -3 days as i paid for. They wete never done at all. Amex proof from tbe company clearly states as they merchant puts it a discount from XXXX for {$280.00}. Now why would XXXX give the company a discount like that on renewal tags for a XXXX XXXX. Because they did not accept payment until i paid a XXXX reinstatement fee thats why. Which i paid after receiving a notice. Then only then wiuld XXXX receive payment for renewal tags. The discount as the merchant puts it was a for a payment that XXXX could not accept. And the merchant was dishonest. He never received the tags or mailed them to me as they indicated to XXXX XXXX. but you think the {$270.00} discount would have arouse some sort of question with Amex. And the reimbursement that they stated was issed to me for a whole different claim. But they were taking credit for issuing me that reimbursement for both claims. They should have never brought that up. It took me 4 months to receive that claim. both were made on the same day with the same results. I want tovtake both the merchant and Amex serve to court. I have tried reaching out to amex but XXXX out of 7 times been disconnected by supervisors because they dont kniw hiw to answer my questions. Frustrating and very unprofessional. Wht would XXXX give anyone a {$270.00} discount. Think about it. I want the full {$320.00} that i paid for expedite service returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
Ive sent information on 2 separate occasions to the Navient Fax number, for IVR payment reduction, they never seem to receive the information. I have been asking for borrowers defense with my loans as I am in a class action lawsuit against the card issuer on which they put our excess loan amounts due to being charged ATM fees, as well as MANY other fees on OUR BORROWED loans. 

Everytime NAVIENT sends my information to me, my interest has increased, to the point now that the interest is MUCH higher than the loans themselves, Im buried under interest as they always suggest a forbearance or deferment in which case, Im accruing more interest than expected or required. 

When NAVIENT assumed my loans from XXXX XXXX, they did not lower my rates or clear the interest accrued on my UNSUBSIDIZED loans, as promised ( an OBAMA Education plan to assist students who have loans to save money ) On XXXX XXXX, 2017 a lawsuit was filed against Navient for many reasons including the aforementioned situations. 

Im in a financial hole with these loans and I will NEVER get out as they are unwilling to help and continue to claim they have never received my applications for IVR or Borrowers defense. 

I believe I should be a part of tsaid lawsuit, I DONT KNOW WHAT TO DO????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX XXXX XXXX has repeatedly called me over a debt that is not mine. This debt is owed by a relative, and they specifically say on their voice mail messages to me that they are calling looking for my relative, and they use the relative 's name. They have been asked to not call me, as I am not that person, it is not my debt, and I am not going to provide them any information as to how to reach this person. They are also very deceptive in their tactics, stating that I was used as a " reference '' for this person, when they are clearly only trying to get information to hunt down a debtor. They have also contacted me AT WORK, and contacted my sister AT WORK about this, after they were told not to. This is in direct violation of the Fair Debt Collection Practices Act, which states that a creditor may reach out to a debtor 's relative 's ONE TIME to try to find them. I have been called multiple times over the last few months. So far this month, they have called me on XXXX XXXX, XXXX at XXXX XXXX, and XXXX XXXX, XXXX at XXXX 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 2017-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: LA

Complaint narrative:
I applied for a loan and never accepted the loan because the interest rate was way too high and I kept receiving emails to accept the loan it was deposited in my account. I called the number provided and couldnt get an answer. I finally decided to send a email and finally got a response but was told I had to pay interest plus the money that was deposited into my account which would have set me back financially now I am stuck with them debiting bi weekly payments from my 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 2017-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an unauthorized hard inquiry from XXXX Bank on my Experian credit report dated XXXX XXXX, XXXX that does not belong to me. I have attempted to resolve this with Experian via phone and via CFPB but am told to contact the creditor. I have already attempted to resolve this with them and sent a CERTIFIED LETTER requesting to remove this erroneous record from my report which was received by them on XXXX XXXX, XXXX. The creditor has not responded to my request despite waiting 60 days. Please have this record removed from my report immediately. Attached is proof of my attempt to resolve this matter and have now been left without resolution and an adverse record on my 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 2017-11-15 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I signed up for a free service called TrustedID sponsored by Equifax. I had locked and unlocked my credit report several times between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I requested to unlock my report as I am in the middle of a new mortgage and they are required to run my credit. When I clicked on unlock, it indicates " An error has occurred ''. I have called XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX over the past 7 days and have spoken to a supervisor in each of those departments. Thus far, I have been unsuccessful at getting my credit unlocked. This could cause me to lose my house and down payment. I need help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: FL

Complaint narrative:
The home insurance and property taxes figured in at closing have not increased however Stearns lending is showing a shortage on the escrow account after trying to force their own Stearns XXXX XXXX policy on the account. After the account was reimbursed for the unneeded/ fraudulent home insurance policy ( a separate policy had already been paid for in full at closing XXXX, there was a sudden shortage on the escrow account. My closing documents show that {$3800.00} was the escrow property costs at closing. The Stearns website shows that the required escrow amount is {$3800.00} which is a difference of {$27.00} but my required escrow payment went up $ XXXX month. I have contacted them several times ( Ticket # XXXX & Ticket # XXXX ) but no one will return my calls/ emails.

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 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Attempted to freeze my credit, company was able to identify who I was when creating an account ( at which point they tried to sell me services ), but was unable to identify who I was when attempting to freeze my credit. 

Have attempted all reasonable methods of freezing my credit through them and they refuse to do so. 

This is the 3rd complaint submitted via the CFPB, the response I received from the company on my initial complaint about the inability to freeze my credit was to freeze my credit. 

The CFPB ( or, possibly Experian XXXX incorrectly flagged my 2nd complaint as a duplicate.

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 2017-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Staff, I am unable to keep my home that is secured by mortgage with Wells Fargo. I bought the home years ago, but lost same due to the down turn in the economy/financial industry in XX/XX/XXXX and for personal health reasons. Briefly, with the help of then President Obamas making home affordable, I was successful with a mortgage modification. I accept all conceivable excuses as to why the loan is in default. 

For the past six months plus, I have been working with Wells Fargo to remodify the mortgage once again, or commence with a deed in lieu or short sale of the home. During the re-modification process, I mentioned to Wells Fargo that I would move back to XXXX as nothing is holding me in XXXX. The re-modification attempt failed. Wells Fargo told me that their rules would not allow for re-modifications, thereafter, Wells Fargo changed their denial to you do not live in the property. Of course I asked why didnt Wells Fargo mention in place rules before commencement of re-modification. I mentioned to Wells Fargo that I was moving to XXXX. I took my time, effort and money to go to XXXX  to accomplish all tasked needed to move into the house. I then agreed to with Wells Fargo that I would short sale the property. I specifically asked how much time do I have to short sale the property and was told, on more than one occasion, there is no time limit on short sales. I thought that was odd, and mentioned to WF that I would quickly commence with a short sale. 

Two weeks ago, WF called me to tell me that they would not consider a short sale due to the fact that as of XX/XX/XXXX, your agency, CFPB, changed rules regarding mortgage foreclosures, and insisted that it was the consumers responsibility to have known that fact. I dont believe what Wells Fargo told me. I asked why didnt you, ( Wells Fargo ) tell me that a month ago about CFPBs ruling. 

I am convinced that Wells Fargo intentionally misled me during the process from re-modification to short sale efforts. It is very clear that Wells Fargo obfuscated every aspect of my efforts to avoid a foreclosure that would negatively impact my credit rating. 

Several times I have asked Wells Fargo its explain its arrangements/agreements with FDIC regarding failed mortgage loans as a result of bad/fraudulent loans funded by XXXX XXXX, XXXX XXXX, aka XXXX XXXX. Wells Fargo purchased these companies along with failed loan reimbursement rights sponsored by the FDIC. These agreements are not in the interest of mortgage consumers, but rather in the interest of banks like Wells Fargo.

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 2017-11-15 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I pay XXXX XXXX powered by XXXX every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-11-15 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I pay XXXX XXXX powered by XXXX every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: LA

Complaint narrative:
I asked for validation of this debt and it was removed from my credit report. Today i wake up from an alert saying that it has been re added back to my credit profile. First and moremost a deletion reinsertion is a direct violation of FCRA. I did not receive any written notice about this debt getting added back on my credit report. To my knowledge if they DO NOT notify me in writing, it is an instant violation of FCRA, which carries a {$1000.00} fine PAYABLE TO ME. 

In accordance with the requirements of the FCRA as stated below : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to be undoubtedly upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
e-mail toXXXX XXXX XXXX Ma'am,

Did I or did I not walk into your branch about two months ago and sign up to have my account statements for XXXX delivered to me via slow mail on paper?  This is the second month I have not gotten my paper statement for last month.  Please fix it. 

I will not ask nicely again.  Nor will I wait for years, as I did with your online mess.  The next time I will take out an ad in the legal section of the XXXX XXXX, the month after that, I will take out a column ad, and the month after that a half-page ad, and the month after that a full page ad.  In each one I will explain to the public that your bank is either incompetent or discriminating against me personally. That your bank has long refused to give me reliable online service, requiring me to repeatedly sign in while going around in circles on the login page - then lied about why, offering up ridiculous IT excuses that don't pass the smell test.  Then when I sign up for paper statements, refuses to send them, making me ask every month. 

Eventually, I'll get inventive and start putting videos about it on XXXX.  I'm going to ask in speculation if this is the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX messing with someone who is not XXXX.  Or entirely XXXX.  Yet. 

I shall also send repeated complaints to the CFPB, citing "your complaint XXXX about Arvest Bank."  Then, when that's all said and done, I'm going to get a lawyer and sue your bank in court, for lawyer's fees and the sheer aggravation of being forced to move my accounts, savings and automatic deposit(s) to another bank.  Because surely I could not trust your bank to facilitate that without causing me significant financial grief.  It would seem to need a court order and sufficient financial penalties for fraud or failure.  After all, you also promised me online service and paper statements. 

If you should think that your bank can mess with me like this and then expect me to be satisfied with "arbitration", please think again. 

Sincerely,
XXXX XXXX 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