vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK
State: MA

Complaint narrative:
I opened an account with a bank in my home state so that my family and I could easily exchange funds while I am XXXX out-of-state. Since I receive my mail at my XXXX address for several months out of the year ( and since I was going back to XXXX shortly after the account opening ), I listed my out-of-state XXXX address on the account application. Despite this mailing address, I am STILL a resident of my home state, and I have an ID from my home state. This information was documented on my account application. 
I was hoping to receive a new account sign-up bonus from this bank, which stated that only residents of X states ( including my home state, but not including my XXXX state ) were eligible for the sign-up bonus. Since I am a resident of my home state, I am eligible for this bonus. I completed all other requirements of the new account bonus promotion, but the bank refused to give me the sign-up bonus, saying that I am ineligible because I used my XXXX mailing address on the account. I want this bank to be penalized for their deceptive marketing and unfair customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Global Recovery Solutions
State: FL

Complaint narrative:
When 1st contact by them on XXXX called back and ask them not to call my cell phone number and used a XXXX number to call me and call again today XX/XX/2017 on my cell phone again.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I do not have any ownership of this collection debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
My flood insurance renewal, as required for my mortgage, was sent to the wrong address. By the time the renewal was required the bank ( TD ) had advised me that they were going to get insurance themselves and charge me. There was a 2 month lapse between my renewal and the time the bank placed the policy. The renewal from my insurance wes {$1100.00} for the year, the bank charge was {$650.00} and only for 2 months. This is extreme and evidence of gouging by my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
In XX/XX/XXXX, I applied for and received a credit line for a company that I was employed by The company used the credit line after I left the company in XX/XX/XXXX. In XX/XX/XXXX, the company requested that I be removed from the account altogether and that another individual be added in my place. The company made this request in writing, pursuant to the instructions that accompanied the credit application. The bank did not remove me from the account, but did increase the companies credit limit in XX/XX/XXXX, using my credit score, and once the company started to miss payments, has pursued me personally for 100 % of the corporations debt, though they have written confirmation that I was not an employee of the company and that the company requested to remove me from the account in XX/XX/XXXX. I should have been removed from that account, and that account should have been closed, or remained open with the other individual 's credentials, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hi, We are in the process of getting a mortgage from Citizens Bank. We submitted all paperwork and details the bank wanted 4 weeks prior to closing. We then were told we needed to submit a business XXXX which was submitted 4 times ( rejected 3 times due to handwritten info ) Mortgage lender did not tell us we could not hand write. Now we are on the XX/XX/XXXX and closing was supposed to be on the XX/XX/XXXX. We are now told that rates agreed on will not be honored because a disclosure document a different version of which has been sent 4 times had a clause on it for the XX/XX/XXXX. We have been asking the bank for past 3 weeks to tell us when they will finalize but no response. We also asked to speak to a supervisor but no response. Today they called me ( XX/XX/XXXX ) and said loan is not yet ready but we will lose the financing lock rate if the bank does not approve. The issue solely resides with the bank. Even after multiple communications a day to get the info they have not confirmed the closing date. They said we could provide you the closing letter sometime on the XX/XX/XXXX. How are we supposed to just know when that is and be ready to close. especially when it takes the lawyers time to prepare the closing documents from when the bank approves

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I returned home from vacation on XXXX and when going through the mail i discovered a Demand letter from XXXX XXXX XXXX XXXX XXXX telling me i was delinquent on my XXXX property taxes to XXXX XXXX on my XXXX Rose XXXX XXXX XXXX XXXX my residence ). It said if the bill was not paid by XXXX there would be additional interest and penalties and failure to pay by XXXX would result in XXXX County proceeding with levies and sale process. I immediately called Wells Fargo ( the mortgage holder ) at XXXX at night and spoke with XXXX ( XXXX # XXXX ). She confirmed that when they refinanced my old loan ( XXXX ) to my new loan ( XXXX ) back in XXXX XXXX that Wells Fargo failed to pay the XXXX taxes. She old me that she put in a work order ( XXXX ) and it would take XXXX business days to process. I asked for her supervisor and she told me that there were no supervisors available and could they call me back. I said yes. At XXXX XXXX XXXX XXXX ( XXXX number XXXX XXXX ) called me back. She confirmed that it was Wells Fargo 's mistake and it would be paid by XXXX ( a total of 18 days after the demand letter and 7 months after the initial error ). She confirmed that Wells Fargo would pay any penalties and interest. I asked her about the effect on my credit rating and was told that if i could show written proof to Wells Fargo that it adversely effected my credit they would correct it. On XXXX at XXXX I called the XXXX County Tax Commissioner 's Office and spoke to XXXX XXXX XXXX She noted in my file 1 ) I had contacted the mortgage holder 2 ) I had contacted XXXX County Tax office 3 ) The failure to pay was due to a re-fi 4 ) the bill would be paid by end of XXXX XXXX. She told me that there was a tax lien on my property and it would be removed 6-8 weeks after the bill was paid. What i do n't understand is why Wells Fargo did not catch this. Do they not have an audit process designed to catch these mistakes? Why can this not be taken care of immediately? Given my past experiences re-financing this property with Wells Fargo i do not trust them to take care of this issue in a timely manner and I will be the one to pay the price.

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 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ROC Asset Solutions, LLC
State: IL

Complaint narrative:
XXXX from API XXXX has called my relatives and friends using information obtained outside of information I gave to the original creditor for a personal loan. XXXX impersonated an attorney from a Legal department representing her " Client '' when in fact API owns the debt. She referred to a " case '' and provided a " case number '' and threatened to take legal action by Friday of this week in XXXX county. I have a recording of the voicemail. When I called her back, she original claimed to be a " mediator '' ( which is a court official ) and then gave up on that claim and offered a settlement with API, her employer. The phone number she gave was ( XXXX ) XXXX ext XXXX. Please investigate this unscrupulous company. There are so many complaints online.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient has repeatedly failed to communicate with me and claims to have sent emails that were never received, either to my online account on their website, or to my personal email address. The also failed to specify the terms of a hold placed on my account, resulting in " past-due '' payments that should not be considered so. I have been told that, despite their mistakes, they can not remove the past-due statuses on my account. 

This follows several phone calls in which I was given incorrect information about the documentation that needed to be provided, which pushed setting up my payment plan very far back when this process should have been completed in XX/XX/XXXX. This is looking like very predatory business practices in order to report fabricated delinquent payments to result in fees to Navient as well as negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a dispute with Transunion concerning XXXX accounts on my credit report that I am not responsible for. I submitted this dispute on XX/XX/2017 ( accounts are with XXXX XXXX and XXXX ). I received a letter from Transunion dated for XX/XX/2017 stating that the agencies verified the accounts and they are accurate. I find it extremely hard to believe that they could complete the investigation within two days, especially, when it the businesses have 30-45 days to verify. I have spoken to XXXX XXXX personally and they stated that they do not have the account in question and attempted to transfer me to a collection agency ( whom I was never able to get in contact with ). On the report it states that the account was purchased by another lender, however, that lender is not listed on my credit report. I would like these accounts to be removed off my credit report as they are hindering me from moving ahead in life and purchasing my first house. Thank you for all you assistance.

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 2017-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: USI Solutions Inc.
State: CA

Complaint narrative:
Claimed that I owe money from a debt from 2007, says they have mailed validation I have received nothing. Claims a judgement was filed against me and that I will be served us less I pay them today

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 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I went to XXXX Bank to apply for a mortgage on XXXX 2017 and when the mortgage officer ran my credit, he said there was a charge off/negative collection account on my report that I did not open. I realized it had been a result of ID theft so I started the process of filing a police report and disputing it with the credit bureaus but nothing has been done yet and this is still damaging my credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
House was scheduled for foreclosure auction XX/XX/XXXX. Does not appear that this happened. I just got a letter in the mail saying that I sent Wells Fargo documents allowing another company, the one that has caused all my problems including this foreclosure, to receive information about my mortgage account. I have never sent any such thing to Wells Fargo. Furthermore they refuse to discuss the account, MY account with me. This is as shady as it gets.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to 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 2017-04-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Despite being paid in full, Synchrony Bank continues to report to XXXX, XXXX, and XXXX that I have an unpaid balance with Lowes. I have a paid in full letter from Synchrony Bank, and have sent a copy of this letter to the credit bureaus, but Lowes simply will not allow this account to update as paid. Synchrony Bank is holding my credit file hostage by not reporting accurate information.

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 2017-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have a student loan that I 'm paying back through Navient.I recently started back making payments for {$100.00} a month.Navient sent me a letter stating that I had not made a payment, but sent me a conformation of payment made XX/XX/2017.I still have my recite from that payment which was paid before the due date of XX/XX/2017.Navient is not interested in collecting debt from customers, but more interested in postponing debt to later charge customers higher interest on the debt.Navient has constantly tried to give me extensions on my payment everytime I speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It was stated that credit reporting companies have the right to update and include information on my credit report based on their research. I mentioned to them that the information was inaccurate. The debt is being shown as a public record and is not mine.

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 2017-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
I was with XXXX for 10+ years and never have I been late on my monthly payment. The account was always paid in full and on time. When I decide to move my account to XXXX and port my XXXX numbers ( XXXX, XXXX, XXXX, XXXX ) my XXXX account goes haywire and starts to add numbers I have never used before after I left. I contacted XXXX at XXXX authorized store and asked him what is going on, he told me he will look into it since I provided him my personal information to switch my account over since he did XXXX and XXXX both. Next thing I know there are couple of iPhones and new numbers on my account I do n't recognize or authorized anyone to make changes other than port my XXXX numbers mentioned above. 

I contact XXXX when I received a bill questioned them about the charges and told them these are fraud charges not authorized by me, they did n't do anything and told me I have to pay for it. I even went to the XXXX store physical to get this resolved presented my identity but failed to remove the charges and telling me someone on the account made the changes. I explained to them that the changes are done by one of the representation ( XXXX ) at your authorized retail store in NJ without my authorization but nothing was done. I even contacted XXXX to straight this out but he claimed he handle it and I thought it was gone for good but when I went to refinance my house, the agent pulled my credit report and informed me my credit report is too low and there is collection on my credit report. 

I still have the current XXXX numbers mentioned above and are the only number I have ever used. I tried to contact XXXX and XXXX but they are not taking any action, so I have filed a police report with local authorities and want to get this remove from my credit report completely and settle this once and for all, please help. For conclusion, I should not be liable for {$2100.00} after reaching out to XXXX numerous times mentioning fraud done at the store level without my authorization, they were clueless and unwilling to help in timely manner and are dealing with a clearly broken system to resolve issues, especially those pertaining to fraud. Please contact me at XXXX if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank Of The West Has Twice Now Refused To Send Me The Forms For Credit Card Mischarges On My Account Because They Were Charged By XXXX XXXX XXXX. The Charge Was For {$250.00} In A One Month Period Which Is XXXX My Income. I Used To Help My Neighbor With His Bills And I Found Out That XXXX XXXX XXXX And Bank Of The West Were Also Hasseling Him In The Same Regard. They Have Been A Real Head Ache All Around. I Want My Error Corrected.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Guild Holdings Company
State: CA

Complaint narrative:
I contacted XXXX XXXX with Guild Mortgage on a fact finding mission to obtain information on mortgage loan products. I was very clear to XXXX that I was in the preliminary stages of my inquiry and that I did not want to apply for a loan at this time. XXXX requested tax returns and income information so he could review them and make a better recommendation as to what was available for my wife and I. This correspondence was only to obtain information for a possible future loan. After several days of no response I checked in to see if he had reviewed my documents. He immediately sent me some preliminary information. That information sparked several more questions, so I emailed him again with the same no response. I once again reached out to XXXX and his teammate XXXX XXXX responded letting me know that my " file was in process. '' On the same day I received letters in the mail showing mine and my wife 's credit had been pulled by Guild Mortgage. I immediately called and emailed to find out why this was done. At no time had XXXX XXXX or anyone at Guild mortgage received a signed application for a loan. Furthermore, Guild mortgage had not even spoke or emailed my wife who 's credit was also pulled. They had to obtain our Social Security numbers from the financial documentation I had sent him, which is a clear violation of the Fair Credit Reporting Act. XXXX XXXX did admit to the error but has not provided sufficient proof that this inquiries have been removed from all XXXX bureaus for my wife and I. I would like all XXXX bureaus cleared of these inquiries for my wife and I and for Guild Mortgage to provided the cost of credit monitoring service for my wife and I for a period of one year, which is estimated to be {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Well Fargo Mortgage Company has failed to timely perform our escrow analysis for two or more years consistently thereby, causing our mortgage escrow funds to have a shortage, this year ( XX/XX/2017 ) alone, our escrow shortage amount is {$1600.00}, this escrow analysis was received on Friday, XX/XX/2017, our new increased mortgage payment is scheduled for XX/XX/2017. This incident occurred last year approximately the same time, thereby causing another escrow shortage.

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