vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed with XXXX, Equifax , XXXX, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where one of the accounts stated they only verified that first XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the first XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all XXXX credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XXXX and I do n't even have a credit card with them.

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: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient refuses to look at offering me income based repayment or a reduced repayment even though I 've had it for the past 3 years. They did this last year as well, the only way I could get it done is to stop paying, pay for a forebearance to bring the notes current, then they would help me reduce the payment, but only for an 11 month term. All of the progress made with the reduced payment is effectively gone because they force you to add extra principal just to get back to your previous payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have paid out XXXX to an attorney to help me save my home. It did not happen. XXXX, XXXX, XXXX and Bank of America have all had their hands on this house at XXXX point or another. I have been told to convert the chapter XXXX to a XXXX and give up my home. I am XXXX and so is my mom. I have a XXXX in my home for over 30 years. But nobody cares. All they want is to get their hands on the PMI insurance I have on the house and they get to sell the house to They have not offered me any kind of money to help me relocate Nothing. And this is the American way. All I can say is that I am a victim of predatory lending, something is wrong when the families are torn apart, the elderly and XXXX have no rights or protection. 
XXXX never served or tried to serve me any kind of summons, letters nothing. They are wrong. I need help because I did not come into this house poor, broke, no money, etc. Since I have been paying them my mortgage for over a year and my bills I am broke. These people broke all kind of laws and it looks like they are getting away with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES
State: VA

Complaint narrative:
I have a Parent PLUS Loans with XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) that is being serviced by Great Lakes Borrower Services. In XX/XX/XXXX I filed for XXXX XXXX Bankruptcy in XXXX Florida after my divorce. The terms of the bankruptcy were to repay all debt at 100 % of principal. Great Lakes filed a claim with the court {$17000.00}. The loan principal however was {$14000.00}. The bankruptcy court assumed that the amount the company claimed was the amount I owed to pay off the debt. As a result, Great Lakes was paid {$3400.00} more than what they should have been paid under the terms of the bankruptcy. My bankruptcy ended this past summer and all debts were fully XXXX by the courts in XX/XX/XXXX. Now Great Lakes is saying I still owe them {$2100.00} for interest on a loan that was paid off in bankruptcy and paid more than the terms of my bankruptcy agreement with the court. I contacted Great Lakes and they said student loans can not be XXXX in bankruptcy BUT this is a parent direct loan, they filed a claim with the courts and were paid more than what they should have been paid under the terms of the bankruptcy. I have contact my bankruptcy attorney and they are trying to understand what Great Lakes did before they can do anything. What Great Lakes is doing is trying to collect on debt that was XXXX by the courts and it is called XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I was receiving harressing calls and home visits from Tower Loan and wanted their collection actions stopped. I asked my wife to calk and tell them to communicate to me only by mail. So she called in late XXXX of XXXX. She called Tower Loan and spoke to a male. She told him that I am demanding that they stop all communication calls to me, family, friend, neighbors, Place of employment and not to come to our home. She told him that the only communication that is wanted is via mail. She was told that the only way to stop receive that request it would need to be in writing. So on XXXX XXXX, XXXX I wrote a Cease and Desist Letter ( letter and certified mail receipt and delivery receipt will be down loaded ). On XXXX XXXX, XXXX a XXXX XXXX signed & printed her name on the delivery section. On Friday XXXX, XXXX my sister called me and said she received a voice message from a XXXX telling her to have me call him at XXXX. She then forwarded me the voice message. I was very upset by the collection call because I felt that my consumer rights were violated. At around XXXX on XXXX/XXXX/XXXX I called the number and spoke to XXXX XXXX. He said that I owed over XXXX XXXX dollars. I then told him that I would be in tomorrow morning to pay it. After getting off the phone I talked to my wife and told her that my rights were violated and that I have been harressed and something has to done to stop XXXX XXXX and Tower Loan! I then instructed her to call Tower Loan and record the call. My wife and I were lied to by XXXX XXXX. He told her that his notes said that my letter said not to call or Mail anymore which was a lie. She told him that he was harassing us and then he said that we were harressing him and then theatened us by saying we were refusing to pay and proceeded by hanging up the phone. She then called him back and he admitted that he called my sister and left a voice message with his name and number and asked to have me to call him. My wife then began to read him the certified mail receipt letter to him. He then said that he was going to send my file over to his attorney 's office and sue us. He said that it does n't matter what I pay he 's still going to send my file over to an attorney. XXXX XXXX then made a slandering commit to my wife. He told her that if she would stop spending my money that I probly would not have this problem. He then said to her " why am I even talking to you, your not even on the account. Then said that he was going to file a law suit on her and hung up. Both phone calls were recorded. First recording XXXX/XXXX/XXXX XXXX cst and 2nd recording at XXXX cst.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Because of the way the bank is now listing things online, I can not tell whether it a debit or credit.This is not helpful accounting practices. This is a easy way to confuse people. Due to an head injury, this makes things more confusing. Online baking has always been in an accounting layout, the new layout is for apps, for smart phones. This is not fair, or right. I have multiple accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I signed up for a Citi checking bank account. There was a promotional offer advertised on their website with promo code XXXX. I fulfilled my obligations and met the requirements for me to earn the {$400.00} bonus. I waited the required time frame of 90 days and Citi has failed to honor the bonus offer. My request is for Citi Bank to honor the bonus by paying me my {$400.00}

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 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
please see complaint XXXX. Midland funding attached a fraudulent certificate of summons. the summons shows that they swore under oath to serve a XXXX XXXX XXXX XXXX woman XXXX in height. I am almost XXXX XXXX XXXX and nearly XXXX '' furthermore no one lived at my previous address but myself and my now XXXX XXXX XXXX son, they have lied under oath in order to get a default judgement. in a previous complaint they indicated that this is for a XXXX credit card yet in a XXXX response they submitted false docs showing compute equipment. they have yet to verify the other midland funding account yet it has been reported on my credit report for years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: U.S. BANCORP
State: MN

Complaint narrative:
I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!

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 2016-06-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I returned an item to XXXX, but they did not credit my account. I sent documentation and letters to Capital One indicating proof of lack of indebtedness but they claim I have not. I received a small claims judgement against XXXX, but Capital One refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
On XXXX XXXX my SunTrust account was hit for {$140.00} in NSF charges and another {$72.00} in NSF charges on XXXX XXXX. These charges where for transactions conducted on XXXX XXXX and XXXX XXXX. However, XXXX drafts came in on XXXX XXXX XXXX, that were paid prior to the transactions that were conducted on the previous Friday and Saturday. At the time the transactions from Friday and Saturday were made, the funds were available. If processed based on the time stamps of the debit card transactions, I would have been only charged {$72.00} and not the {$210.00} that I was hit with. I know transactions pend over the weekend and SunTrust pays largest to smallest, but this unethical and it is purposefully setup to maximize fees and hurts the consumer in almost all cases, whether intended or not. These unethical practices must stop. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo & Company, has refused to provide me a referral to Identity Theft Assistance Center ( ITAC ). Because I have been a victim of identity theft I have been subject to significant financial problems and expenses as a result of Wells Fargo & Company failing to provide a referral to ITAC. 

I am demanding immediately, that Wells Fargo & Company provide me a referral to ITAC. My phone number is XXXX XXXX XXXX XXXX and Wells Fargo & Company can also contact me via email at XXXXXXXXXXXX, as well as via physical mail to the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX look forward to working with ITAC XXXX an effort to resolve Identity Theft issues and expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Bridgecrest is reporting on my credit report as a repossession. After several attempts ( all documented ) the credit is refusing to verify the debt according to FDCPA XXXX and Arizona XXXX XXXX XXXX. In my attempts Bridgecrest has only responded with the same letter stating that I need to verify my address because they have a different address on file. 
My direct dispute attempts have been met with an illegal attempt to shift the burden of proof to me. In violation of FCRA 623 ( a ) ( 8 ) ( D ), 16 CFR 660.4 and Arizona Administrative Code XXXX Bridgecrest has made several attempts to collect the debt since receiving my letters. These attempts include updating my credit report, sending debt collection letters, and verifying false information to the credit reporting agencies.

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 2016-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We have been banking with PNC for 6 years now. We have been offered the service of overdraft protection a few times, but because I do n't believe you should be able to take money out that you do n't have so I declined the overdraft protection. 
I got charged {$220.00} in overdraft fees, which I considered abusive. When I called I was told they would " reverse '' {$84.00}, just per courtesy. I have recently lost my job and I had to get a new one, so I never thought that PNC will process payments with no insufficient funds in the account. Because the funds were n't they charged {$36.00} times XXXX ( {$140.00} ) plus they charged me {$7.00} per day for every day the account is overdrawn. 
I had request a full reverse of my fees and escalated the complaint with PNC. But I really think we should reign on this abusive system. Banks are making their living by overcharging fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made XXXX ( XXXX ) separate credit report dispute requests to Experian, which were mailed United States Postal Service " certified. '' Both requests were denied. I have AGAIN received another letter dates XXXX XXXX, XXXX in which Experian is demanding that I submit a copy of a " current utility bill, bank or insurance statement. '' My " original '' letter was dated XXXX XXXX, XXXX and my " second '' letter was dated XXXX XXXX, XXXX. I have told Experian that I have submitted all the required documents under the Fair Credit Reporting Act to verify my identity. 
Specifically, there is no federal statute under the Fair Credit Reporting Act that requires me to provide " proof of address. '' This may be a Experian " policy '' requirement but it is NOT a " statute '' requirement under the Fair Credit Reporting Act. The ONLY " statute '' requirement is " proof of identity '' and not " proof of address. '' I refer you to the Fair Credit Reporting Act under Section 611 [ Procedure in Case of Disputed Accuracy ], which follows Section 610 ( a ) ( 1 ) [ Proper Identification ], which states that " a consumer reporting agency shall require as a condition of making the disclosers required under Section 609 that the consumer furnish proper identification. '' Verification of " identity '' is provided under Section 609 ( e ) ( 2 ), which says that " before a business entity [ Experian ] provides any information ... as proof of positive identification ... the presentation of a government issued identification card. '' In my " original '' letter, dated XXXX XXXX, XXXX, I provided Experian a copy of a government identification, specifically, my passport and I provided my current mailing address in my " original '' credit report dispute. 
In my " second '' letter, I provided Experian a copy of a government identification, specifically, my passport, copy of my social security card, copy of their letter sent to me at the address I provided in my " original '' letter. This is more than the required documents necessary to provide a Credit Reporting Agency under the Fair Credit Reporting Act. 
As a result, Experian has failed to complete their investigation within the 30-days, as required by the Fair Credit Reporting Act under Section 611 ( a ) ( 5 ). I request that Experian be fined the minimum penalty and I request that you contact Experian and mandate compliance with my credit repair request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX XXXXXXXXXXXX

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 2016-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax has a Public Record posting on my credit report of Bankruptcy that states is was dismissed before it went forward. But they still have it on my report and will not remove it. It is hurting my credit badly. Equifax has made it impossible for me to file a complaint, stating their personal information does not match the personal information I submit on their online form ; further, they say I can fax my driver 's license to them but that will not fix the situation for XXXX reasons : one, I have dual residence and my license reflects my other address, and two, I am XXXX without a fax machine and it creates a hardship for me to even try to follow their instructions. The posting should have been removed since it was dismissed and not germane to any credit evaluations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Dear Consumer Protection Division Ditech will not acknowledge receipt of my complete borrower 's assistance application received on XX/XX/2016 in their Loss Mitigation division in XXXX, AZ. 
Ditech Financial is generating statements claiming that my loan became delinquent on dates that are not true since they took over my loan in XX/XX/2016. I keep showing them proof of payment. 
Ditech is not posting payments on the day it was received. 
The statement dated XX/XX/2016 was received XX/XX/2016 and the statement dated XX/XX/2016 was received on XX/XX/2016. 
The statement dated XX/XX/2016 inaccurately states XXXX payments were missing. 
Check number XXXX for {$1100.00} was received XX/XX/2016 and cashed XX/XX/2016. Yet, Ditech held posting the payment until XX/XX/2016. 
Since Ditech likes to call payments not received on the XXXX of the month as missing payments. 
Ditech will not apply my additional principal to the principal and is putting them in a funds in suspense account. 
Enclosed the tracking information for my XX/XX/XXXX payment received XX/XX/2016 and the borrower 's assistance application which was received XX/XX/2016. Returned checks for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 statements. Copy of check # and XX/XX/2016 statement stub for XX/XX/2016. A copy of the letter with borrower 's assistance application showing all the documents needed to process the application were submitted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
After 7 years of me paying my taxes directly to the city XXXX NJ Chase decided to pay the taxes on my behalf therefore creating at XXXX plus escrow shortage thus leading to a XXXX increase in my monthly mortgage payment.  While Chase "investigated" the issue they recommended that they temporarily suspend my auto debit. I agreed.  I was told to make a manual payment.  I went online to make the manual payment and my account presented that I was still enrolled in auto pay therefore I did not make the payment for risk of being charged XXXX at the higher amount. 30 days later I was told I was delinquent. Chase will not amend the reporting. They say that despite representing no change (i.e. still enrolled) in my auto pay status online I still needed to make a manual payment and that I should have called them once I saw the online status.  At no point did anyone in customer service disclose to me that the temporary auto pay suspension would NOT be reflected online and that I should make a payment regardless of the online auto pay status.  I now have a mortgage delinquency reflected on my credit report.  Chase refuses to make an amendment even though this issue was caused by their erroneous payment of my taxes (which has been reversed) and failure to disclose the auto pay suspension status on my account online. It is my belief that Chase paid my taxes knowing that it would create a XXXX escrow deficit which for many would have resulted in foreclosure.   It wasn't until I spoke to multiple customer service reps in their tax department and weeks of investigating the issues was it ultimately resolved.  Nevertheless, they still refuse to change my credit reporting status because my auto pay was merely "suspended" and not "canceled", even though neither was reflected online.

Company response to consumer: Closed with monetary relief