vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX - I contacted M & T Bank ( XXXX NY ) to close out a CD ( {$25000.00} ) account. They could not find a record of the account. Account was originally with XXXX XXXX  ( XXXX, MD ). XXXX Bank folded in the financial crisis and their bank assets were sold to M & T Bank in XX/XX/XXXX. M & T Bank said they would " research the CD and  contact us with results ''. They gave us no point of contact or any identification number/name for who could be contacted about that action. We heard nothing for over a month. 
XX/XX/XXXX - I mailed a certified letter to M & T Bank asking them to give us a point of contact or other information so we could be kept informed of progress. A copy of the CD was included with the letter. I received no response to that letter. 
XX/XX/XXXX - Having heard nothing, I called M & T Bank Customer Service to find out the status of the CD search. I talked to several people ( who checked with their supervisors ). They had no record of the certified letter I sent ( I have the USPS receipt that M & T Bank signed on delivery ). They did not know anything about the CD or what was being done about it. The phone call ended with no explanation of what could be done next to find out what, if anything, is being done to find the letter or otherwise resolve this problem. A copy of the letter to the bank is attached.

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 2018-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2018 at XXXX XXXX pst I used a XXXX XXXX ATM and the machine did not dispense any funds. I first contacted XXXX XXXX via phone and in person with the branch manager and informed them of the situation and was told since Im not a XXXX account holder they are unable to do anything for me and I need to contact Comerica Bank and file a dispute and that will intiate the disputing process with them. I then contacted Comerica and filed a dispute and also faxed a written statement of what happened and attached a copy of the ATM receipt that states that XXXX XXXX is unable to give me any funds right now and to call their 800 number. Its been 4 days now and I havent received any type of credit to my account. Every time I call they tell me it could take up to 45 days to investigate and just because I faxed them a statement and a copy of the receipt does not mean they will be giving me the provisional credit. I have been trying to get this matter expedited with Comerica and XXXX XXXX and gotten no where.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I refinanced my home in XX/XX/XXXX. Part of my loan agreement was that if I made all my payments on time I would have {$1000.00} credited to my PRINCIPAL balance for the first 5 years of my loan. I made all my payments EVERYONE on time. I received the first credit. My loan was sold to Nationstar Mortgage in XX/XX/XXXX. Nationstar reported to the credit bureau that I was paying late which was not true they ruined my credit and I could never get that removed or fix that error to my credit. I started contacting the mortgage company which is now called Mr. Cooper in XX/XX/XXXX regarding the error in reporting and the {$1000.00} credit due toward my PRINCIPAL balance. I have been trying to get Mr Cooper to  credit the additional {$4000.00} to my PRINCIPAL balance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and the additional {$1000.00} credit due to my account if I met the terms for the first 5 credits which I never  received. I have spoken with more than 200+ people at Nationstar and Mr Cooper in the last 6 YEARS. On XX/XX/XXXX I received a letter from XXXX XXXX stating they credited the credits due from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX. They also sent me a DODD Frank Form to fill out for the additional 6th credit. I returned the DODD Frank form on XX/XX/XXXX. I called XXXX XXXX at least 5 times to have the credits from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX applied correctly as they were not credited correctly and I have and am still paying interest on the amounts. Which should have reduced my principal balance in those years. As of today XX/XX/XXXX I have not heard back from XXXX XXXX at all and I have not received the credit due from the Dodd Frank form dated XX/XX/XXXX. 
Mr Cooper had no problem raising my interest rate per the modification on time not ONE day delay but they still refuse to give me the credits I deserve and are trying to make me pay interest on a balance that should have been reduced starting in XX/XX/XXXX. It is going on 7 YEARS that I have been trying to get this resolved. 7 YEARS!!!!!!!!! I am still due the final credit and an adjustment to my payments from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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.
State: NC

Complaint narrative:
Hard Inquiry fraudulently made on XX/XX/2018 by unkown subject on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
For a number of months, I've been receiving several calls daily during the week from the same phone number. This phone number changes on a weekly basis. The caller name NEVER appears and the caller NEVER leaves a message. I have never answered these calls. 

When I XXXX these phone numbers the source is always 'National Credit Adjusters ', supposedly a debt collection agency. I have NO debt and have maintained a consistently high credit score for many years. I monitor my credit report through several credit monitoring agencies and in addition to no debt, there have been NO inquiries on my credit record. I'm not sure how they got my phone number, but this is obviously a case of mistaken identity. 

This so-called company does not identify itself or leave phone messages. Based upon the comments of others, National Credit Adjusters attempts to verbally intimidate consumers into paying non-existent debts, debts they no longer owe, or far more than the amount owed. During the summer, your agency received a settlement of hundreds of thousands of dollars from National Credit Adjusters company for engaging in unlawful debt collection acts and practices that harmed consumers. I have no intention of communicating with them and becoming their latest victim. 

I want these phone calls stopped. It would be nice if the company could be put out of business for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: PA

Complaint narrative:
Hello, In 2010 I XXXX  from college and began repaying my student loans. I had federal loans which were consolidated into one subsidized and one unsubsidized. Some payments went into deferment while I was getting my XXXX XXXX XXXX. About 2 years ago, after Navient had become the servicer of these loans, when the loans came out of deferment and I began making payments for all I applied and received approval for an income based repayment plan which also included a 10 year debt forgiveness component because I am working for a XXXX XXXX. I setup monthly automatic payments to be taken out of my checking account. These payments came put monthly without any problem for a good amount of time, I would estimate a year or more. Strangely, without any notice from Navient, and with no indication that it had do to with any issue from my bank, these automatic payments which were setup through navient simply STOPPED. I did not know they had stopped, I did not receive any word that my payments were not being collected, not even any warnings. They have simply stopped collected payments from me. While on my end, in the short term this seemed like a good thing because no one was asking me to pay, in the big picture this hurts me because I believe that it sets back the 10 year timeline of debt forgiveness that by now I should be 2 or 3 years into, through no fault of my own, and through Navients failure to even tell me that I was not paying them. In the business of my schedule as a XXXX   and a father, I have only tried once to find out why the auto payments stopped and to reinstate these payments, but I was not able to get a solution. I am going to make another attempt. But I can't help but wondering if this is related to the larger issues I am seeing in which Navient has received serious allegations for innapropriately handling their business. Is it worth looking more into for this situation, should I pursue further action? Or is my situation not one that would be eligible for correcting? Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: PA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Experian due to the reporting of a 30 day late payment placed on my credit report by XXXX XXXX XXXX XXXX. According to the contract for the installment loan, the payments for the installment loan was due on XX/XX/2018 and XX/XX/2018, that is what was stated in the signed contract agreement. I made payments according to the signed agreement. According to the contracted agreements and the date of the payments I made, there was no 30 day late payments. XXXX is reporting inaccurate information on my credit report. I disputed the claim with Experian, I even uploaded supporting documentation, and Experian within one day later, stated that there were would be no change to my credit report due to XXXX reported that the information was correct, however ; I provided supporting documentation showing that there is no way I could of been 30 days late according to the contract. I even uploaded my bank statements showing the payment made. Experian did not even bother to investigate into the documents I sent. They are reporting false information on my credit report that is hurting my credit score.

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 2018-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a debt with XXXX XXXX that defaulted in XX/XX/2018. I have explained my financial circumstances to them and repeatedly asked that they only call me on my cell phone and to stop making harassing calls to my family and my spouse. 

Today ( XX/XX/2018 ) they called my husband and when he explained that they had the wrong number the associate proceeded to give him all of the information about my account and the debt. My husband is not and has never been an authorized party on any of my credit accounts. They have also done this to my mother and father. It is embarrassing enough not to be able to pay your debt but for them to repeatedly continue to violate my privacy is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: TN

Complaint narrative:
I found a negative collection report on my credit report by SCA in XXXX because I applied for a mortgage loan. I disputed the collection because I never received a bill or notification of the bill from SGA. XXXX was handling my credit report for the bank and they submitted a dispute on my behalf to the credit bureaus. I was informed by the lender that the negative report was removed and I got the loan. I was unaware that it was only removed from XXXX XXXX. So, in XX/XX/XXXX, I applied for a loan and found out that the SCA collection is still on my credit report at XXXX and XXXX. I submitted a dispute with XXXX  because the bank used XXXX  for my application. XXXX  responded and let me know that SCA did not want to remove it because they said, it was a valid charge. I contacted my insurance company ( XXXX ) to validate the charge, but they did not have any information about the charge in their system from XXXX. 

Last week, I filed a dispute with both XXXX  and XXXX based on the same fact that I don't know about this collection from SCA and I have not received a bill for it and I can't verify the information.

I called SCA today, XX/XX/XXXX and spoke to XXXX. After explaining the situation to her, I offered to pay the amount to resolve the matter. I requested from XXXX to kindly submit a deletion certificate of the collection from my credit report after I pay. She said, she couldn't. I requested for a supervisor to call me to see if she can assist me. XXXX XXXX, ext XXXX is the supervisor that called me back. I explained the situation to her too and offered to pay the amount in full, and requested for it to be removed from the other 2 bureaus, based on the fact that I was notified I owe the money and I can't verify it with my insurance company. She told me that is not a valid reason. She added that, the reason that it was removed from XXXX XXXX could be, because they have a different policy in regards to deleting paid collection, but she could not submit a certificate of deletion request to XXXX or XXXX. I told Ms. XXXX XXXX that since I did not receive a notification of the money owed from them, it was grounds to delete it from my record if I paid for it. She however, did not agree with me. I paid the bill ( {$300.00} ) in full and informed Ms. XXXX XXXX that I will file a complain with CFPB ( your office ) and she asked me to go ahead,

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 2018-12-07 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: I.C. System, Inc.
State: GA

Complaint narrative:
This company unlawfully inserted information onto my credit report and I want it removed immediately. I have never conducted business with this company.

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 2018-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
From XXXX through XXXX I borrowed a total of {$49000.00} through Sallie Mae using a Parent Plus Loan to put my son through college. Early on, Navient became the service provider of this loan. Though I have had a few late payments, I have never defaulted. I had to take advantage of deferment a couple times and have consistently had to reduce my payments though income based programs because I couldn't afford the large payments. For many years I have been on the " Income Sensitive '' program, which apparently does NOT qualify for forgiveness after 20 or 25 years and I had no idea this was not the case until I called them. The only thing that made me feel okay about having this outstanding loan was that it would be eventually forgiven. And after 20 years I would have paid all the money back, if not more, that I borrowed, so it's not like they wouldn't get their money. I was thinking I had about 10 more years to go, which isn't great, but something I could live with. I feel Navient was negligent in not informing me that there were other income based programs that would have put me in the qualification for forgiveness after many years of payment. And nowhere on their website was this spelled out. 
Just look at these numbers : I borrowed a total of {$49000.00}. 
I have paid XXXX As of this writing I owe {$52000.00} I have no words. This is absolutely horrific.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Analysts of MN, Inc.
State: MN

Complaint narrative:
I just received a response from Professional Credit Analysts. They are refusing to remove a item from my credit file and outwardly being rude to me. I feel a investigation should be done on this company. They Stated that they provided all information I asked on them through PDF files. They did not. Bill of sale or some type of chain of title. I feel I am under no contractual obligation to this company. There is no contract. They need to show me the contract. This company I am very leary of. I really wish for the CFPB to look into this company further.

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 2018-12-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Over the past year etc, i have tried to get them to lower my payment, when i bought the house in XX/XX/2011 was mainly cause i needed a first floor apartment or house as i am XXXX. My money ran out finally this year and all i have is the social security check every month which is currently {$1500.00} a month and my mortgage payment is {$1200.00} a month.

I have asked for a lower payment for some time. I finally got a lawyer ( to pay him {$750.00} every 3 months ) to get my payments lowered. One job alone was 33 pages, and 8 pages of Bank statement IRS statements copy of light bills then money started running out etc,.

I can not live on the street, i have nowhere to go.

I would gladly pay pay Wells {$700.00} to {$850.00} a month starting now!!!!!

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 2018-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This company is the worst company. They are scammers they are adding extra fees to my account. Customer service is terrible. Interest rate is sky high. They are doing this to the who is going to stop them ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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.
State: GA

Complaint narrative:
This has been a 12 plus year ongoing saga with the credit reporting agencies Equifax, XXXX, and XXXX XXXX. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a complaint against Experian and the inability to contact a person to resolve a relatively simple issue regarding my credit. I have an extended fraud alert on my credit account due to the theft of my wallet five years ago. I need to add a phone number to the fraud alert so that I am able to verify my identity with a bank in order to get a credit card. I have been able to contact both of the other credit agencies and have my number added. However, Experian makes it impossible to contact a customer service representative by telephone to request this change. I sent an email to Experian on line to request information on how to make this change and got an email response that sent me back to the same phone system that does not allow you to speak to an actual person. That Experian has control over my ability to access credit and makes it impossible to speak to a customer service representative is inexcusable.

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 2018-12-07 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: GA

Complaint narrative:
Disputed account with Equifax on XX/XX/2018 asking for method of verification. Previously account was noted as verified by Equifax. I contacted original creditor, XXXX on XX/XX/2018 regarding verification of account requesting original signed documentation. Response letter just restating what is on report - XXXX did not send proof of verification. Original creditor unable to provide adequate verification. 
-Equifax has not conducted 'reasonable ' investigation. 'Parroting ' original creditor.

-Equifax reporting inaccurate information to credit report. As noted, Equifax reporting payment activity beyond date of last payment.

It is believed that Equifax is in violation of FCRA regulations.

It is believed that original creditor may be in violation of FCRA regulations.

Company response to consumer: Closed with explanation