vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 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: FL

Complaint narrative:
I consolidated my loans with Navient and have spoken with several customer service reps regarding my student loan repayment plan. I have been working for a Non Profit organization for almost 6 years. I told them that i would like to ensure that whatever repayment program I am placed on qualifies me for loan forgiveness based on the fact that I work for a non profit organization. I was very angry to eventually realize that Navient does not do the loan forgiveness program and that my loans will have to be signed over to XXXX XXXX and I had to be on an IBR repayment in order for my payments to be counted as qualifying payments. Navient placed me on a standard repayment plan, which I have called several times asking if this repayment program qualifies me for loan forgiveness through my employer and I was told yes. Through my own research I realized this was not the case, unfortunately not until late last year. I had my loans transferred to XXXX, only to be told that none of my payments that I have made to Navient for the past 5 years will be counted towards my loan forgiveness period!!! I am very upset that my 10 year calculation just started in XXXX of 2016! I will not be getting credit for 4 years of on time payment! Navient id a rip off and was only concerned about my payments which may I add was almost double what I am paying now in a qualifying program. They need to be held accountable for jeopardizing my loan forgiveness period and ripping me off!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I completed a refinanc e in  XX/XX/XXXX . This refin ance paid in full a loan I had wit h    XXXX   XXXX   XXXX   at  XXXX .  XXXX   XXXX ,  XXXX   XXXX   XXXX , CA  XXXX . Instrument number  XXXX  dated   XX/XX/XXXX  for  the amount of {$15000.00}. ln #  XXXX  date no satisfaction of lien or re-conveyance has been recorded to remove this lien from my title.   I have confirmed that  XXXX  acquired     XXXX   XXXX   XXXX   on   XX/XX/XXXX . Ac quired     XXXX   XXXX   XXXX  ,  XXXX   (   XXXX   ) i n  XXXX , DE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone has opened an account with  BBVA Comp ass bank in my name of witch i did Not authorize. i have made a police report and started credit monitoring. I do not have or ever had any account with  XXXX . i called them on   X/XX/17  and  they said they would call me back, they did not. I got on a conference call with my  XXXX   XXXX   XXXX   XXXX   XXXX  and  BBVA can celed the call, we tried calling back with no success.   There was charges applied by whoever opened this account and i have received letters, bank statements, and even a ATM  XXXX  card in the mail.   I am not responsible for these charges or this account, please help resolve this matter, Thank you,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have tried to resolve this problem with experian credit bureau I have disputed a number of inaccuracies on my experian credit from wrong address to wrong names, and old accounts that are close or paid in full still reporting on my credit report I have spoken to numerous customer service representative and to no avail experian representative refused to remove anything from my report even with documents I have fax over I need wrong address remove wrong names to be remove and closed of and paid in full accounts to be remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GU

Complaint narrative:
AFFIDAVIT I,  XXXX   XXXX , the  petitioner, witness, and r epresentative for my wife  XXXX   XXXX  stated that, I had P.O.A was uploaded on the complaint #  XXXX  by me including my driver 's license my wife 's ID card and copy of her social security number. I also stated that, I assist my wife because of her limite d English and knowledge of our dispute with these credit bereua including,  XXXX ,   XXXX   XXXX  , Experian, esp ecially, the  XXXX   XXXX   XXXX  here on  XXXX  has had the major problem issue to report to the  XXXX  Credit companies above reported our incorrect social security. I do n't know if I made mistake, I can not locate the Complaint number above. I request the CFPB to send th e POA in cluding my diver 's license and the copy of my wife 's social security and her ID card to the  XXXX  credit companies above to fix the incorrect information spell of her first name with  XXXX , and to fix the la st 4 digit of her social  security including her last name if there is any inaccurate personal information with  XXXX   XXXX , and Experian as well. The spelling of her last name with Experian  (   XXXX   ) the  correct is  XXXX . the correct of her last for digit of  her S.S.   XXXX . I also request the  XXXX  credit companies to fix my wife 's personal information so she will able to get better score on her FICO 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 2017-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have tried to file this over the phone but it did n't work. I am near a public library now and am able to attach this  Macy 's card that I have made at least 15 calls about and been called a liar, received two ( emails from Macy employees -- one was nice  the other did n't even speak, just sent an attachment? like I would open that on a friend 's smartpho ne? ). ( see  attached, ca n't locate email from  XXXX   XXXX  -- he was pleasa nt ) The following days after contact from Macy 's  personnel, I received offers to use m y Macy  's card that there was {$50.00} credit on it for me. ( see attached ) I am sick of them. I know their company is doing badly but leave me out of it. DO NOT SEND CARDS AND THEN YOU CA N'T USE THEM.     That is wrong and tell me you tried to reach me but n o one ans wers. I do n't have a phone, you silly geese. You  CAN survive as an ID Theft victim without one an d it is better.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX a Citibank employee from a local branch phoned me and tried to sign me up for a " CHECKING PLUS '' account, which protects checking accounts from overdraft fees by " loaning '' the recipient a {$1000.00} line of credit and taking fees out of the checking account to cover the loan. I declined this service. I had a free checking account with direct deposit and automatic bill pay and this is not a service I needed. The call from XXXX came in during another call and lasted less than 2 minutes, and I went back to the call I was on. The Citibank employee not only went on to open this " CHECKING PLUS '' account without my permission, he also attempted to open a " CASH and CREDIT LINE '' loan, but the bank declined this. I NEVER AUTHORIZED THESE BANKING SERVICES. I have been trying to resolve this problem for over a year, once I discovered that the bank was taking up to {$37.00} per month to cover this loan. Moreover, this line of credit has massive hidden fees. I estimate that I have paid 3 times the amount of the {$1000.00} " CHECKING PLUS '' loan over the last few years. The loan is never paid down and the bank says I currently owe {$1100.00} ( estimated ) on this account. I include an example of the overcharging in the documents. For example, the first time it used, {$200.00} is taken from the " CHECKING PLUS '' account on XX/XX/XXXX. However, after that the statement reads after I owe {$390.00}. Where does this other {$190.00} come from? I have tried to resolve this problem with both the local branch and the national customer service/credit department to no avail. No Citibank employee can explain to me exactly how the " CHECKING PLUS '' account works, or why I allegedly owe {$1100.00} after paying thousands of dollars in fees over the course of four years. I claim that the opening of this " CHECKING PLUS '' account is an act of fraud by a Citibank employee, and that they have used this line of credit to overcharge me, take excessive fees from my regular checking account, and otherwise violate my rights as a consumer protected by state and federal banking laws prohibiting financial institutions from opening lines of credit or otherwise providing services with fees to consumers without their express permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I just moved to XXXX and joined as a roommate in an apartment. The existing person was moving out of the city, so I took over the flat. He asked me if I would like to take over the existing the XXXX internet account. I just said him to please check for the information about transferring the account. The next day he told me that he was able to talk to the customer care and the account was transferred smoothly. Same day in the evening I got notification in the XXXX XXXX that there was a hard inquiry from XXXX. The next day I got one more hard inquiry from them. I called and asked them, how they can run a hard check with out my consent and from where did they obtain the SSN? They did n't answered properly. I asked them to immediately disconnect the services ( as they are not fair to me ) and remove the hard checks. They said it will be removed in a week, but till now the issue is not solved! Every time I call and explain the problem, they simply push me to other departments and I end up wasting my whole day on this. Finally I called the XXXX XXXX integrity department and after a long complaint, they suggested me to write a letter with all the details and gave me an address and a fax number. When ever I am trying to fax them all I get is " No Answer ''. - XXXX is not having any integrity - They do not care to step out and solve an issue - If they do n't know, they simply push to other department and wash their hands - In my case, they are not supposed to process the request with out talking to me - They can not access my SSN and do a hard check without my consent - When I called them and reported them the issue, they had the opportunity to correct their procedure and system - They are simply running away from their responsibilities - When you can not protect the confidentiality of an individual, do n't take their SSN and do hard checks Please find the attachment of the account confirmation email from XXXX and the XXXX report of hard inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
My credit report is showing an account in collections that was opened on XXXX XXXX, 2013. The company name is Jefferson Capital Systems. I have never received any documentation or telephone calls from this company. I submitted a dispute to XXXX and I have yet to receive any documentation regarding the origination of this debt that is in collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
After reviewing my credit report, I noticed that Aargon Collection Agency is reporting and trying to collect {$100.00}, in which I do not owe. I have never done business with Aargon Collection Agency and do not know what this collection is for. I also never received a written notification of debt, so that I may dispute the validity of this debt as is was added to my credit report in XXXX 2017. I do not have any financial obligation to Aargon Collection Agency and do not why this account is on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
On or abou t J  XXXX   XXXX  , 2017, I checked  my credit report and there 's a debt for Portfolio Recovery,     XXXX   XXXX   XXXX   ,   XXXX   XXXX ,  XXXX , VA  XXXX  in the amount of {$1500.00}, original creditor is listed as  XXXX  ( I assume it 's for  XXXX   XXXX   XXXX   ), whic h I thought was charged off.     The problem is, I have NEVER received anything from this collection agency. I 'm in the process of disputing with  XXXX  and  XXXX . Are n't they supposed to contact me prior to just placing a collections on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Continually put into forbearance, ca n't get income driven repayment from Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I went on line to check my credit. I received reports from XXXX and XXXX. When I tried to access Equifax INC. they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Deed for my property XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) received on XX/XX/XXXX ( XXXX XXXX XXXX Equal Housing Lender NMLS ID XXXX Home Lending Officer-XXXX Virginia. XXXX, VA US effective XX/XX/XXXX. No escrow/financing is available for XXXX XXXX XXXX ). Deed for ownership of The Estate at XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) Deed for price points earned with XXXX ( Product Development ) through XXXX. I have decided to use the third-party clearing agency, XXXX XXXX due to life insurance policies being used as collateral by XXXX XXXX XXXX. I would like to issue a lien for her estate in XXXX, VA until a payment is made. I would like to report an {$300.00} penalty for unauthorized use of deed. This document is for official business use only. I would like to associate the IRS link from XX/XX/XXXX with this document ( https : //www.irs.gov/businesses/small-businesses-self-employed/understanding-a-federal-tax-lien ). This link also traces to the First Quarter Income for XXXX dated XX/XX/XXXX in the amount of {$200.00} XXXX. My mortgage with XXXX XXXX has been overmodified. The reconciliations have been made. Please reference the IRS judgments issued on SEC report XXXX dated XX/XX/XXXX and the attached document of VHDA penalties for XXXX XXXX. I would like to adjust the judgments for XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three parties will be responsible for a judgment in the amount of {$83000.00} that totals {$250000.00} for life securities fraud. Each party will be responsible for a yearly payment of {$2300.00} for the next three years. The payments are to be made monthly in the amount of {$190.00}. XXXX XXXX 's total judgment is a {$1.00} XXXX payment for the next three years. She is responsible for a yearly payment of {$500000.00} for the next two years. Payments are to be made monthly in the amount of {$41000.00}. XXXX XXXX is responsible for quarterly payments in the amount of {$560000.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX ) until the {$3.00} XXXX balance is paid in full. All other judgments are as imposed. A quarterly audit will be imposed on XX/XX/XXXX.  There should be a discharge for all properties effective XX/XX/XXXX. There should be no lien on my properties. Insurance for all properties and entities are covered through XXXX XXXX. An amount of {$34000.00} should be left after closing costs that were computed and sent to the FDIC yesterday upon appraisal of my property XXXX XXXX XXXX, XXXX, VA XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I had an appt with Wells Fargo on XXXX XXXX to have my safe deposit box of 25 + years drilled into because I had lost my keys. The bank had also lost all records concerning my box including my contract and signature card recording any history of activity. There was much confusion among the WFB team in locating my box as there were so many boxes with the same number as mine. In fact when they thought they 'd located it I stated that it was n't mine as it was n't located in the main vault where I knew it was. They insisted and upon drilling open the box we found it empty. I was told that after the fact the bank drilled into 8 more boxes trying to locate mine. The bank personnel conducted an investigation for over 3 months. Mid-way during more than a 3 month investigation the district manager made an offer for my lost box and contents to reimburse me for the fees paid over the years and {$1000.00} for compensation. I refused the offer yet the bank took it upon themselves to deposit the paid fees into my account without my permission. I then received a call from the regional manager based on my insistence because the offer was completely unsatisfactory. I 'm sure he stated this debacle was indeed the bank 's responsibility. He further requested that I provide an affadavit of the contents ' value, to the best of my recollection, as it had been years since I opened it. He stated that the bank wanted to come up with compensation commensurate with not only the value but the situation. After the regional manager met with his team, he changed his position and claimed that the box drilled into during my presence was mine. Yet when I asked how could it be if he himself confirmed to me that WFB could not locate my box. and with his team they 'll work on a compansation hopefully to be satisfactory for me. He stated " it 's what it 's "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Law Office of Michael A. Priddle, LLC
State: IL

Complaint narrative:
On XXXX 2017 my car broke down and has been tow by XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX , KS.XXXX After so many attempted to have estimated send to me and to find out the cost of the repair, without proper notification they hire attorney to put a lien on my vehicle and try to retitle the vehicle without my consent. 

XXXX XXXX XXXX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I originally scheduled my closing for XX/XX/XXXX. Four days before, I was told that would n't be possible. I received an extension from the seller and scheduled closing for XX/XX/XXXX. Two hours before closing, I received a call saying the closing was n't cancelled. I was told my seller would be notified. They were n't. They contacted me to find out why the closing was cancelled. I 'm still trying to close on the house, but it 's looking doubtful at this point. I 'll likely need another extension from the seller. During this whole ordeal, my loan officer has uncommunicative for days at a time. He also repeatedly he would call me by a certain time, and I would n't hear from him again until days afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: NC

Complaint narrative:
Has taken months of repeated phone calls to get on a payment plan we were told was available to us, each time we call we get a different cust sv rep and have to reexplain the situation ( was told they could not let me speak to same rep we spoke to previously ), incorrect information told to us about when a payment was due while they worked on a mistake they made in processing for our loan payment.

Company response to consumer: Closed with explanation