vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear sir or madam, I have reached out to your company about 6 times in reference to these accounts, XXXX XXXX XXXX and XXXX XXXX XXXX, that these debts are not mines!! the company XXXX XXXX XXXX is collecting for a leased apartment in phoenix Arizona where i never lived and the same for XXXX XXXX XXXX.. I have provided you with my past lease of my address here in XXXX XXXX where i have lived for the past 6 years. XXXX XXXX XXXX is charging me an outstanding amount for a debt that is not mines!!! {$46000.00} where in the world would you think i would lease an apartment in Arizona where i have not lived which means the apartment would have been {$3800.00} a month, i do n't make that much in a month let alone to pay rent for that high amount!!! I guarantee they can not verify that i lived there with out a lease with my drivers license and signature. The company XXXX XXXX XXXX is charging the debt to me for is no longer in business and you are reporting negative information that is a defamation of my character. Im a single mother trying to start my life again and these accounts are detrimental for me and my kids ... XXXX XXXX XXXX have charged me for a lease that 's not mines as well. Please have them validate correct or delete now!!!. i have included my lease from my pass address where i lived including the calculations and research from these supposedly apartments these creditors have purchased debt not mines ... thanks 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 2018-01-05 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: GREAT LAKES
State: WA

Complaint narrative:
My loan it seems was transferred from XXXX to Great lakes in XXXX of XXXX. I have never once received information pertaining to this via email or phone until XXXX. Now it seems I am 4 months late with my payments which have been automatically paid through XXXX XXXX for the last 11 years without a hitch. Not only will Great lakes fail to acknowledge that the y may have bade an error but are trying to charge me 2.75 % instead of the 1.75 % I had been paying for the last 9/10 years. This is a scam that must be addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: WA

Complaint narrative:
I contacted Fresno Credit Bureau on XXXX XXXX 2018 and this is not 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 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I have been making impound payments for taxes and insurance since XXXX. My house insurance policy for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX should have been paid from the impound account but has not been paid as of today XXXX/XXXX/XXXX. 

In XXXX XXXX I received a call that my insurance premium payment due before XXXX/XXXX/XXXX for the following year XXXX. I called Arvest Central Mortgage several times in XXXX XXXX and again on XXXX/XXXX/XXXX. Each time, I was assured that the " check was in the mail. '' But I just called ( XXXX XXXX ) XXXX XXXX XXXX and payment had not been received. 

I had to make an emergency credit card for 30 % with the promise of a refund when payment was received from Arvest Central Mortgage. 

I have not received any notice from Arvest Central Mortgage regarding the status of my home insurance in XXXX XXXX or XXXX XXXX. How is this possible since home insurance is required under the loan documents? Something is very very wrong and I can not get any answers from Arvest Central Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
I contacted XXXX XXXX on XXXX XXXX 2018 and this for sure is not 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 2018-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XXXX XXXX XXXX I went up to my local Bank of America in XXXX XXXX, NV. I received a {$3400.00} check as an assistant for a job I applied for. I tell the bank teller I have a check I want to deposit. I also tell them I DO NOT want to withdraw any money from my checking or savings account. I can wait, just this check specifically once it 's verified and becomes available. I then proceed to ask the teller how long does it usually take. He responds sometimes it depends, sometimes a few hours or a few days. Towards the end of the transaction the bank teller tells me everything is all good I can actually withdraw that check right now. I proceed to do so and was under the impression that the check was good and I was performing my job. It turns out the job was a scam and they used me to buy gift cards and send to their email. 

I saw an alert on XXXX XXXX XXXX that my account balance was below {$25.00}. To find out that check I withdrew on Saturday was not good in fact. I got the bank of america to retain my account back for a few days and they proceeded to remove the {$3400.00} from my account again on XXXX XXXX. XXXX. I spoke to the fraud/claims dpmt., banker at my local BOA and was denied any claims for my {$3400.00} loss. 

My complaint is that I was misinformed greatly about the check being approved. Which led to this {$3400.00} loss. I would not have proceeded with a {$3400.00} withdrawal if it was revealed accurately that the check was indeed bad. This misfortune could have been prevented if Bank of America did their job correctly and only gave me access once that check cleared like I requested.

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 2018-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased this used vehicle around XX/XX/XXXX. I asked if there were any recalls or problems with the history of this vehicle and was given a report saying there were no issues. In XX/XX/XXXX I was notified by XXXX that my vehicle was included in the XXXX Airbag Recall and needed to have both airbags repaired. I took the vehicle in and they supposedly repaired the driver side only. The parts for the passenger side were not available and was told I had to wait.  I contacted XXXX   asking about the status of the repair and was told the parts were still not ready and I just had to wait. I just received another notice from XXXX in XX/XX/XXXX saying the parts were still not available, would not be ready until XX/XX/XXXX, and not to allow anyone to sit in the passenger seat until they were repaired. I have been in contact with the local XXXX dealer, XXXX XXXX XXXX, and the lender wells fargo all during the week of XX/XX/XXXX, last communication was with wells fargo today, XX/XX/XXXX. All of them are refusing to help in any way with the situation. Wells Fargo previously denied a request for refinance! The airbags are dangerous and can cause serious injury and death and are not getting fixed nor will they. According to my research they do not have a permanent fix and will not know if they will ever have one resulting in the airbags not getting repaired properly and will still pose a threat of injury and death. The recalls will continue. I still have XXXX left on the loan and have been paying for a car that could kill me or my family. I cant even trade in this vehicle now because since it's on the recall list dealers cant sell it until they airbags are fixed. So both XXXX and wells fargo want me to keep and pay for a vehicle that now has lost even more value due to the recall and could ultimately kill someone! Attached is the letter from XXXX clearly stating the airbags can cause serious injury and death and notes taken from a class action lawsuit from an attorney!

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 2018-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I currently have a Capital One credit card. When I pulled my last credit report, I noticed I showed one late payment in XXXX of 2017. I called and asked if I could have a one time forbearance since this was the only issue I 'd ever had on this account and am in the process of refinancing our house into my name. The customer service representative said this was no problem and they would remove this late payment. This obviously did not happen or I would not be on your website. Once I saw it was not removed, I called again and this time was told that it was impossible to remove any late payments on the account. I explained the reason we had missed this payment was we were having medical issues with our teenage daughter and it just slipped our mind to make the payment in XXXX. Either way, they said it ca n't be done, I asked to speak to a supervisor and they told me the same thing. I even asked to be connected with whoever had the authority to remove this one issue from my credit report and they told me it ca n't be done no matter who I speak to. I know these issues can be reversed as I have friends who have been able to do just that. I acknowledged the late payment, explained why this happened and that other than this one time, we have never had a late payment on the account. Anyway, I 'm just hoping that somehow we can have this reversed and I can move forward with Capital One and get the refinance done in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, Citibank placed a block on my account due to a negative balance. In the evening on XXXX XXXX, XXXX, Citibank removed the block from my account. Earlier in the afternoon on XXXX XXXX, XXXX, XXXX attempted to process my mortgage payment but due to the block it did not go through. As a result, XXXX reported me to the credit reporting agencies as paying my mortgage 30 days late and my credit score decreased 168 points. I subsequently filed a CFPB complaint against XXXX, to which XXXX XXXX Executive Office responded that they would suppress their XXXX XXXX credit reporting IF Citibank will provide a letter confirming that the block was removed from my account on XXXX XXXX, XXXX. Citibank has confirmed via telephone that the block was removed on that date, but my request for documentation of the oral representation has been denied. This is a very simple matter that could be easily resolved if Citibank would issue the requested letter, at which point XXXX would suppress the XXXX XXXX credit reporting and my score would rebound. I would sincerely appreciate the assistance of the CFPB, as I am currently being ignored by Citibank.

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 2018-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nationwide Recovery Systems, Ltd
State: OH

Complaint narrative:
I received a phone call on my cellular phone on XX/XX/2018 at XXXX XXXX. The caller ID said United States. The number that came up on my caller ID was ( XXXX ) XXXX. Immediately the man whom had a foreign accent started asking me if I was ( MY NAME ). I told him that I was and he began asking me about my social security number.He already knew the last 4 digits of my social security number and read them to me. I then told him that I was not answering any questions because I did not know whom I was speaking with. He answered the " IRS '' He asked me for my current address. He then read my address to me. Again I told him that I was not giving any personal information because I did not know whom I was speaking with. He also has my name and phone number. I was getting very concerned with him having my information and I pushed him again asking who he was. This time he said he was with " NRS '' a debt recovery service. I had a XXXX injury and went through the XXXX XXXX XXXX XXXX XXXX and am now on XXXX. I told the man that it was a violation of my rights for him to pretend to be from the IRS. I told him that his phone ID even came up under United States. I told him that I would report him to the government. I asked him to mail me any requests and not to call me again. He clearly lead me to believe that he was from the IRS. I believe it was intentional because later when he said NRS, I could clearly hear the difference. He is attempting to collect debt information and allowing people to think it is the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: GA

Complaint narrative:
I have been battling this issue, and others, with Navient for several months. Ive submitted several complaints through their ombudsman and advocate office, as well as three CFPB complaints. One of the cases ( XXXX ) was documented as duplicate. None of my complaints have been resolved yet theyve been marked as closed. Part of my last complaint was regarding a fraudulent loan. While Im fighting the fraud issue, Im still trying to keep the loan from becoming increasingly delinquent. Upon submitting financial information for myself and my mother who is the co-signer, I was placed in a payment program. In the first three months of the program, I had to submit another complaint due to a manager deciding I was no longer eligible for the program, regardless of my XXXX status. The advocates office got involved again. They discontinued the payments and placed my accounts in an administrative hold status. While I was working on the medical documentation required for my XXXX request, my mother received a call from Navient about the loan defaulting. I called the person back and he stated one of the loans had now defaulted due to no payments being made and its been reported to the credit bureaus as a charge off. I made it explicitly clear this information was not accurate. After ending the call I reached out to the advocates office to find out what was happening as none of this made any sense. Approximately 2 weeks later, I was informed that the loan is now in the Navient recovery office for default but that a payment arrangement could be made and the interest reduced to nearly 0 %. Ive reached out to this recovery office but have yet to speak to the person who is said to be the account manager. This cant be legal. This account had three payments made, via the required ACH process. The loan was then on an administrative hold. So I dont understand how they are now able to say no payments were ever made and have subsequently charged the loan off. Not only is this loan included in my current request for the Borrowers Defense Act against XXXX XXXX, its also the loan Im fighting for fraudulently being processed. Its also the same loan Ive submitted complaints to your office about, including written and voice-recorded documentation. Theyve now severely ruined my mothers credit and mine and if this complaint is addressed in the same manner as my previous complaints, allowing things to progress to the present status Im facing, they will get away with multiple illegal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I do not have a late payment with Capital One. I contacted them on XXXX XXXX 2018 and has not been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I called XXXX XXXX XXXX on XX/XX/XXXX. I was informed that I still owe XXXX after my payment of XXXX on XX/XX/XXXX. During XXXX I experienced some financial problems and XXXX XXXX XXXX allowed me to differ 4 monthly payments and stated that those 4 payments would be added on to the end of the term. However, through my conversation with two different supervisors, I was told that there are additional charges even after I have paid the 72 month term. My first monthly bill was on XXXX XXXX and should have ended on XXXX XXXX. Considering my 4 differed payments, my last payment should be XXXX XXXX. The supervisors stated the additional fee's are principal of XXXX. During my conversations with the associates that allowed me to differ the payments, the additional fee's and charges was never mentioned, other than the payments being added to the end of the term. I spoke to XXXX employee #XXXX on XX/XX/XXXX. I asked for her manager, she stated one would call within 24-48 hours and I have not received a call. I faxed a complaint letter to Customer care on XX/XX/XXXX. I called again on XX/XX/XXXX after receiving a past due text to my cell phone. I should not be liable for charges I was not made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Control Technology, Inc.
State: IL

Complaint narrative:
I notified XXXX and its debt collectors to not contact me and to have all communication with attorney XXXX XXXX. I provided an address and telephone number to XXXX and they continued contacting me at my job and on my cell phone. They contacted me in XX/XX/XXXX after XXXX was notified by me and Attorney XXXX XXXX VIA phone call in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX and its debt collectors were notified via email to only communicate with Attorney XXXX about this fraudulent loan. They disregarded the request and continued contacting me. The last attempt to communicate with me was in XX/XX/XXXX and XX/XX/XXXX. I spoke with a vile and rude young lady and again informed not to contact me and to only contact attorney XXXX XXXX and ACT continued calling. Account Control Technology made several calls to my cell phone in violation of the no contact request. The 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 2018-01-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
On XXXX XXXX, XXXX, our mortgage was reinstated through the trustee. We are still getting hang-up calls from the mortgage company, and have contacted their attorney after calling about being able to make the XXXX payment. The representative said we were still being foreclosed on, and hung up yet again. We spoke with the Mortgage company 's attorney, who said the case has been closed since the XXXX of XXXX, and that we were good, so why are we still having these problems with this awful mortgage company? AMERIHOME Mortgage Company is the most disorganized XXXX show I have ever seen. We are still waiting for them to fix payments that were " LOST ''. We almost lost our home because of this company who bought out our mortgage, and to top it off, some guy comes to our house today to do an appraisal, which we turned down, from some bank in NJ. Why are laws not being followed? Why does this company have no regard for business practices, ethics, laws, and integrity? And lastly, why is no one doing anything about this horrible company? Not to mention that they have illegally had our house for sale for 74 days now. Proof XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation