vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: MA

Complaint narrative:
Phillips and Cohen Associates LTD sent an " initial communication '' dated XXXX XX/XX/2018 to the Estate of XXXX XXXX looking to have " outstanding bills '' paid on behalf of their client. In accordance with U.S Code 15 Subsection 1692g this collection agency has a maximum of five ( 5 ) days to properly validate any debt and/or " outstanding bills '' due from an Estate after " initial communication ''. The agency did not comply to the Code and continues to harass the Estate and the Personal Representative thereof. I hereby demand that Phillips and Cohen Associates LTD cease all communication. I further demand that the agency not report any debt or delinquency to credit report agencies nor assign or sell said " outstanding bills '' to any other collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I wrote a letter to Navient on XX/XX/2019 inquiring about a transaction titled loan Sale. Navient did not disclosed any information associated with this transaction. The letter formally request for all pertinent information association with this sale date, time, and accounting be disclosed and a full disclosure of the financial ramification for the sale to the borrower be provided. 
Navient responded with a vague and contradictory letter stating there was no loan sale.I wrote a second letter to Navient on XX/XX/2019 declaring the response was unacceptable and none of the information originally requested was provided. To date i have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear CFPB, There has been no response from Bank of America to the appended correspondence. Could you please tell me how to proceed? 

Thank you. 


To : Bank of America - Executive Resolutions  <XXXX> Date : XX/XX/XXXX Dear Mr XXXX, In XX/XX/XXXX last year you were able to provide some assistance with my BOA account and I hope that will be the case again. 

As you may see in the appended message, last month I made transfer abroad which, with other banks in the US at least, routinely incurs Withholding tax. My question remains unanswered Whom must I contact, by e-mail, to get a reply? 

Thank you. 

Best regards, XXXX XXXX -- -- -- -- Forwarded Message -- -- -- -- To : XXXX XXXX XXXX Subject : International wire # XXXX Date : Tue, XX/XX/XXXX XXXX XXXX From : XXXX XXXX <XXXX> Dear Bank of America , Thank you for the recent USD wire transfer to XXXX. Can you please tell me why 10 % federal Withholding tax wasn't applied? Isn't this usual with transfers abroad? 

Best regards, 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 2019-02-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have two names : XXXX XXXX XXXX on one social security number. I complain to the CFPB last year : XXXX { XXXX } I was told by the FTC to explain this to Citibank with documents to prove this federal offense against me. 

The city of XXXX has caused this federal offense also XXXX  data breach has ruin my credit worthiness. 

I've never own a credit card & has been taking out of the work force, college in XXXX XXXX 2011. 

Citibank denied me two without verify of my identification theft, disgrace.

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 2019-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Cavalry Portfolio Services LLC refuse to provide demanded verifications of the claimed alleged debt by providing copies of signed contract or credit application in direct violation of federal laws, continues and nonstop harassment, unlawfully without verification reported collection account on all tree credit bureau. 

Reference No : XXXX Reference No : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
On the XX/XX/XXXX I contacted Equifax regarding another person showing on my credit file with a linked address. They raised a dispute and told me within 28 days this will be resolved. I rang back after 28 days and I was told it will take another 28 days. On the XX/XX/XXXX after me ringing several times and complaining and not hearing anything back I was told this information regarding the other person will be removed within 24hours which happened. On the XX/XX/XXXX I then contacted Equifax regarding a credit application that was made under my name several times explaining it was not me, I was told to contact the company directly. the company did not help so I then rang Equifax again and they put in a dispute and again told me to wait 28 days. After waiting equifax got back to me and told me to contact the company again directly, I felt as though I was being taken for a fool. after bouncing back on fourth between Equifax and the company. On the XX/XX/XXXX I asked to raise a dispute again regarding this company information on my credit file and was told within 21 days I will hear back, on the XX/XX/XXXX I was emailed and told the company has agreed to remove these searches. I then rang back yesterday on the XX/XX/XXXX to ask why this information has not been removed yet and after 60minutes on the phone the lady told me the dispute put in was not even for what I had asked, I asked to speak to a supervisor or manager on several occasions but all the customer service advisors would either put the phone down on me or make  excuses and not put me through. I also put in another dispute on the XX/XX/XXXX as this other person who was showing on my report last year had come back on my credit file. I was told to provide my passport and driving license again even though I had previously supplied all of this and I feel like I was being made a mockery out of constantly over and over again. I have still not heard anything back regarding this dispute and it has been over 28 days now. I have never in my life received such appauling service from a company. I am so unhappy and angry as I feel as though I have been fobbed off and ignored and not received any help at all, instead whenever I have rang to speak to a manager I have been either transferred to another customer service advisor or put the phone down on. I have worked in customer service myself in the past and this is not how a customer gets treated ever! I am paying for this service every month and it feels like it is for nothing. I have explained several times that due to all this rubbish on my credit file it has affected my credit score and it stopping me from applying for certain things that I need but I am not receiving any kind of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a heir to my father 's property with a debt of about {$55000.00} owed to bank. My mortgage payments at the time were {$350.00} which were reduced to XXXX through a modification in XXXX. I've lived in the home for 17 years since my father made settlement on XX/XX/XXXX initially I fell behind in the mortgage due to his death. Soon after I probated the estate and the Deed to the property was placed in my name. I made on time payments for 10 months until XX/XX/XXXX when my car window got shot out. I immediately called the mortgage and told them I would have a problem making my XX/XX/XXXX payment and I was told that they couldn't work anything out with me because I wasn't my father. However I'm the one who has been sued do to me probating the Estate and my hands are tied when it comes to the property in every way. I'm not allowed to do anything but make payments, although I've breached the modification due to a reduction in my income ( new employer ), I'm being told that I can't modify the loan again because I'm not my deceased father. I'm also being told that the loan isn't assumable. I've had previous modifications and I've been told by the bank for years that the loan is assumable. " If I bring the loan current I can then work on the assumption of the property ''. I wouldn't be doing everything in my power to keep the property if I know I'll never really be the owner, at this time I'm looking for more income and I have until XX/XX/XXXX to do so with hopes of re applying for a new loan modification.

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 2019-02-15 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: TX

Complaint narrative:
I have two names : XXXX XXXX XXXX on one social security number. I complain to the CFPB last year : XXXX { Experian } I  was told by the FTC to explain this to XXXX with documents to prove this federal offense against me. 

The city of XXXX has caused this federal offense also XXXX  data breach has ruin my credit worthiness. 

I've never own a credit card & has been taking out of the work force, college in XXXX XXXX XX/XX/2011. 

XXXX denied me two without verify of my identification theft, disgrace.

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 2019-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
For the last year to 1 1/2 years, my wife and I started concentrating on making more payments towards the principle, of our mortgage, every month. She pays in person at a local branch, and I tend to pay either online, or speaking to a person over the phone. I have never done automated payments. 

I recently started noticing that there is activity showing payment reversals in XXXX of this past year ( XXXX ). I contacted them on their XXXX customer service number provided, several times, to speak to representatives and ask them to explain. Neither of the 3 have been able to do that. So my wife contacted someone at a local branch, and we made an appointment on Saturday, XX/XX/XXXX, to go sit down and visit with one here. 

The dates include : XX/XX/XXXX - Payment Reversal {$460.00} XX/XX/XXXX - Payment Reversal {$0.00} - Unapplied Funds {$460.00} XX/XX/XXXX - Payment Reversal - {$160.00} ( principal ), XXXX ( Interest ), - {$230.00} ( Escrow ), {$530.00} ( unapplied funds ) XX/XX/XXXX - Payment Reversal {$0.00} - XXXX ( principal ), - {$80.00} ( interest ), - {$220.00} ( Escrow ), {$520.00} ( unapplied funds ) XX/XX/XXXX - Unapplied Funds - {$520.00} Representative, XXXX XXXX, was kind enough to sit through almost a half hour with a mortgage rep on the other end, who could not explain why the reversals were on our account. After almost an hour there, we ultimately told her not to worry about it, we would look for another avenue to get someone to explain it to us. She stated she did not know why the numbers did not work out and why their mortgage department could not explain. 

A co-worker told me about a Wells Fargo financial institution that wasn't a bank, on XXXX XXXX and I called. They told me they only deal with financial advising and to call the same original XXXX number where I had spoken to representatives the first time around. Which gets me to where I am now, frustrated, and with no one to explain why the reversals appear on my statements. 

Basically, every penny that we have paid towards our mortgage account, that is NOT the monthly payment of {$530.00}, should have been applied to the principal. That is all I am trying to ensure.

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 2019-02-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Over a period of months they've contacted my neighbors, my siblings, my sister-in-law 's parents, and engaged in harassing phone calls when they know how to reach one of my parents and myself. The purpose is harassment. Having learned the nature and background of this loan service provider who bought my loan supposedly from XXXX XXXX, I refuse to deal with them. They've repeatedly violated federal and state Fair Debt Collection Practices, and engaged in profane, abusive and harassing patterns of conduct. I do NOT trust their reputation given their proclivity for fraud to enter or sustain any contractual relationship with them nor repay loans with them as the student loan service provider of record, and I request injunctive relief from the U.S. federal government, including but NOT limited to forcing their resell of my student loan to another service provider. 

I would prefer to have my loan resold to another loan service provider. I will NOT voluntarily enter into a contractual refinancing of my student loan with Navient given their reputation and the present allegations made against them by the CFPB and the Attorney Generals of several states from Pennsylvania to Washington State.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I did not open this account. My ex wife opened it in my name. XXXX  and XXXX  have investigated and deleted the account however XXXX will not. This is causing me to not be able to get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I did not open this account. My ex wife opened it in my name. XXXX and XXXX have investigated and deleted the account however Equifax will not. This is causing me to not be able to get a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: MA

Complaint narrative:
I leased a XXXX XXXX XXXX in XX/XX/XXXX ( 3yr term ). In XX/XX/XXXX I terminated the lease under the Dieselgate class action settlement. As a requirement of lease termination I settled all prior and future liabilities with VW. 

On XX/XX/XXXX, I received a bill from VW Credit indicating I owe {$140.00} in excise tax. The letter is undated, but includes the threat that I will be reported to credit bureaus if I do not respond within 30 days. 

I will be following up with Volkswagen directly, but given the situation, I believe this to be fraud. There is no way that the company could be unaware of my decision to surrender the vehicle in XX/XX/XXXX. I am reporting to CFPB in case other defrauded ex-customers are receiving similar notices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I am the wife of a military member and lost my job in XX/XX/XXXX. On XX/XX/XXXX, I submitted my husband 's military pay statement for XXXX to recalculate my income based repayment amount. On, XX/XX/XXXX, I received notification of an erroneously calculated new payment amount. They erroneously included my husband 's non-taxable housing and food allowance in his salary. My payment before I lost my job was {$750.00} and was erroneously recalculated to {$850.00}. When I was notified of this increase, I knew they made a mistake and called them the same day to review their mistake. They did and recalculated my payment to the correct amount of {$560.00} on XX/XX/XXXX. 

My XXXX payment was still reflecting {$850.00} due on XX/XX/XXXX. I called them and they told me it was nothing they could do to have the correct amount reflected. I had two options : 1 ) pay the {$850.00} or 2 ) request a forbearance to skip the XXXX payment. I explained to them that my husband and I could no longer afford the {$750.00} without my income so there was no way we could afford {$850.00}. I also explained to them that it was unfair that I had to suffer because of their mistake. The loan specialist on the phone explained to me that there would be no negative ramifications of using a forbearance. However, I received a notice on XX/XX/XXXX from XXXX stating that {$11000.00} of unpaid interest is going to be capitalized due to the change in my payment structure. When I called them, they told me I should have read the forbearance application and would have known that unpaid interest would be capitalized. I am in total shock that this has happened to me because of their mistake. I feel completely victimized and helpless. I would appreciate any assistance you can offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A few months ago I made a purchase on XXXX for {$350.00}. The actual purchase date was on XX/XX/2019. I made the purchase using my Citbank Double Cash Credit Card. I later see that Citibank charged me a " cash advance fee '' which I immediately disputed because there was no such cash advance. At the time Citi had told me it had something to do with how the XXXX merchant processed the payment. I had stated that I made purchases regularly through XXXX using the same card and never had such an issue. I also stated that I had authorized a payment for the purchase but never authorized any cash advances. To be 100 % clear used a Credit Card to make the purchase and not XXXX. I reached out to both XXXX and XXXX and they directed me back to Citibank because Citi is the company that actually charged the fee. The XXXX seller apparently withdrew his money through his XXXX account which I do not find unusual. If the seller happens to withdraw cash through XXXX I am not even sure how that would be tied to my credit card? The cash advance fee sat pending until XX/XX/2019 at which point I was charged the {$17.00} cash advance fee and also an additional interest fee. I have called Citibank and they claim there is nothing they can do. They can clearly reverse a fee that THEY have charged.

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 2019-02-15 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: NY

Complaint narrative:
I have my student loans through Sallie Mae/Navient. I work in a high needs district and after working 5 years requested a loan forgiveness which they denied. They told me my loan I was requesting to be forgiven was consolidated with one that was taken out before XXXX making it ineligible. I never requested a consolidation as I knew I would be requesting the load to be forgiven. They automatically consolidated it when I applied for a 2nd load to get my masters. I asked for documentation to show this and all they sent me was a single page with an electronic signature in my maiden name when at the time I took out the loan I was married. I have been paying on these loans since XXXX and still owe the amount practically the amount originally borrowed for my education. I've paid roughly 500.00 a month for 20 years.

Company response to consumer: Closed with explanation