vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 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: NV

Complaint narrative:
I was in deferment for about a year. I selected a lower payment that consisted of  XXXX  monthly for 24 months, and then it would go up based on income. They approved this, and I set up auto pay. When I set up auto pay it said to make first payment manually so I did. After I did that it paid the first  XXXX , little after that I got statement that said  XXXX . I called and they told me it was error from system and that they would fix it. I call back a month later because it was n't solved and spoke with another rep that said he did not know what happen but that he would have someone fix it and send me email. Today I receive another email stating that my terms for payments have changed and now my new monthly payment is  XXXX  starting  XX/XX/2017   . I feel like they are doing fraud by lying to me of what my payment plan is supposed to be. I am suppose to be paying  XXXX  for 2 years and then change to different amount. They have scammed me to pay more each month instead of after 2 years. I am looking forward to take legal action against them if possible. Then the email says it wo n't affect my current payment, but my auto pay says  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
I began the process of refinancing a rental house I own. I was qualified and all was needed was the appraisal. It came out fine for value but the  appraiser e stimated the rent to be {$1900.00}. The house is currently rented for {$2500.00}. I had no problem filling the vacancy in two days last  XXXX .     I 've asked the appraiser to both explain his reasoning and to accept my provided comps for rent which shows comparable houses for rent or rented in the $  XXXX - {$2700.00} range. He refuses to even respond.     The mortgage company underwriter will not move forward based on the appraisers opinion.     So, they will not fund my loan however I should have recourse. I 've provided proof of rents and lease agreement and the bank has chosen to rely on the appraisers opinion over my actual data and now I 'm out {$850.00} for a flawed appraisal. It 's the banks prerogative to not fund but at the same time their opinion should be based on fact not opinion. I am entitled to a refund for the appraisal. I 've performed and they 've chosen to accept the opinion of the appraiser over my documented and provided proof of the income from this rental.     If I was n't qualifying or not providing documentation needed to process the loan, I completely understand. However, I 've performed, complied and provided all documentation. I 've done everything they 've requested. If they 've decided to not move forward, at the very least I 'm entitled to a refund for the appraisers opinion over my fact.

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 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have had NUMEROUS calls from my mortgage company, Wells Fargo whom I 've been a good loyal paying customer with for over 10 yrs. I got laid off from my job that I had when I applied for the loan. Shortly afterwards my husband passed away. I 've struggled ever since then. Wells Fargo  knows all this, I called to let them know. I got behind on some payments last year but got caught up. They did nothing but harass me the whole time but I let it go. I got behind  1  payment in  XXXX  last year and again they 're harassing me by phone because I 'm still behind. I 've had numerous calls from them day and night and while at work. I work with the  XXXX  in their homes and I was getting calls from them in front of my clients. I got approx.160 calIs since  XXXX . I do n't have exact number of calls but I do have phone records since  XXXX   XXXX  of this year, which I can definitely say I 've ha d 28 c alls since then. This has been going on for almo st 6 mo. B efore all this happened to me I never ever missed a payment. Also I 've been making over and above the normal payment to get caught up and I told them that but they wo n't stop harassing me. I can provide proof of harassing calls and proof that I 've paid extra to get caught up, upon request.

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 2017-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
These accounts were all in default with 120+ lates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ... .Yet, I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.

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 2017-04-27 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: KS

Complaint narrative:
These accounts were all in default with  120+  lates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ... .Yet, I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Good day all ; Please review the below dispute at your earliest opportunity.     Warm regards,  XXXX   XXXX  Consumer Source of Information : The  Huntington National  Bank  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  Consumer ID :  XXXX  for  XXXX   XXXX   XXXX   XXXX  This account was included in a chapter  XXXX  bankruptcy i n 2010. Th is account should not only be removed from the credit report, it should be removed from check systems as well.     Further note that the address being reported for this account is inaccurate because the correct address is as follows: XXXX   XXXX   XXXX    ,    XXXX  , MI  XXXX  this when the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
- Not a Valid collection - Item was to be deleted with Payment - Item Shows with a dispute Remark on my Credit Report after the Fact it was Resolved and Settled - Amount was n't clear from the Beginning and i disputed to inquire about the correct amount - Representative never got back to me or replied and took it from collection to reported on my credit report - i was forced to settle it because i was denied renting an apartment for my family until i settle this amount - fro m 2015 u ntil  XXXX ,  XXXX  and  XXXX  still shows as a dispute Remarks on my credit report Check Attached file Page  XXXX    XXXX   XXXX    XXXX  Account #  XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Dates : late  XXXX , early  XXXX    XXXX  .   Amount : : About {$400.00}, {$420.00} payment The company  is Navient, student loan company. They started to automatically called me with an automated message every day and so metimes after  XXXX   XXXX , they would not leave me alone. And the phone calls/harassment kept coming more aggressively with multiple people on the phone. After a while, they just offered me a short forbearance for abou t 2-3  months, which is ridiculous since I 'm not working full time at the moment. I spoke with them and notified this, still their customer service people would not even acknowledge the notes. I just felt like They 're harassing me, forcing me to make a higher payment and even threaten to default if I do n't agreed with their terms. This has got to stop. It 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On  XXXX   XXXX  of  2017 I su bmitted a multiple inquire removal letter to all  XXXX  Credit Bureau 's. I did not receive any information on the results or outcome of my request. On  XXXX   XXXX  ( over 30 days late r ), I   submitted a dispute online through Equifax for the same inquiries. That same day the results were completed stating the inquiries were factual and that I should contact the creditor if I disagree with the results. I feel as if my dispute was ignored  the 1st time an d then not taken serio us the 2nd b eing the results we completed in the same day. I understand that there are many people out there with concerns and issues but these inquires were NOT authorized and need to be deleted immediately. I would really appreciate it if someone would take my situation serious. Please help and remove the following inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was promised  XXXX  bonus points once I made {$5000.00} in purchases within 90 days. I met that requirement. That is how the offer was mailed to me when I decided to apply for the card. I had even confirmed with the customer service representative on  three di fferent occassions : once when i activated my card, once I had made the purchases, and few weeks after the completion of required purchases.     I was assured that I would receive the  XXXX  bonus points with in 6-8 w eeks. I just inquired as to why I did not receive these points.     I am being told that I had a similar card bac k in 2012 that was cl osed and they can not provide another bonus.This is not how the offer was mailed nor were these conditions relayed to me at any time prior to or during when I made these purchases. This is false advertisement on  American Express a nd I believe that I would like a fair resolution for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I spoke Equifax about an dispute I have with an account. I sent information that proves tn sate law validates my dispute ( landl ord tennat act ) .I asked Equifax to prov ide me with details as to how the company carried out a reasonable investigation as per FC RA sect611. I ex plained the law required the reporting agency to do a reasonable investigation at my request. Equifax explained they have no regard for the law. I was told the company does not investigate but sends the dispute to the credit collection company to verify. I explained that this is a violation of sec 611. Equifax, was very negligent and has not regard  for Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
This company called me repeatedly trying to secure payment for a vehicle that was never even showing on my credit report. Then when the vehicle was placed on my credit report after  one year it showed a year of late payments and a high interest rate when due to the soldier an d sailors at the interest rate was supposed to be at 6 %. I try to explain this repeatedly they did not want to work with me and insisted that although I was   XXXX   XXXX   XXXX    th ey wanted for payment or there would be substantial recourse. The recourse was explained as lawsuits or garnishments. I encountered rude customer service representative 's and account managers in regards to this account. There were no solutions given only negative credit reporting and negative/rude customer service. Additional monies were added to the loan that were not included in any contract that I signed at the time of purchase. The dealership that I purchased a vehicle from went out of business and did not have proper paperwork a few months after I purchased the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My mortgage loan is currently serviced by Shellpoint Mortgage Servicing. Per the attached documentation issued by Shellpoint, the terms of the mortgage loan are as follows : 1. Original loan   amount of {$59000.00}.    2.  180 month term that matures on  XXXX .    3.  No balloon payment due upon maturity.    4. I nterest rate of 7.9 % and P & I payments of {$560.00} per month.     Shellpoint is currently claiming that the principal balance due is {$12000.00} and the total balance due is {$20000.00}. These amounts conveyed by Shellpoint do not add up and I have contested them on numerous occasions. Shellpoint has refused to prove up the validity of the debt and the accounting to back it up.they have simply told me it is what it is. Based on my current amortization calculations, the current balance due should be {$6300.00}. Shellpoint is clearly trying to over collect on the balance due, which is a violation of FDCPA and RESPA law. I feel cheated and deceived by Shellpoint and I am seeking your assistance on this matter. You can reach me direct at  XXXX  or  XXXX  XXXX  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 2017-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On  XXXX  -17 a t  XXXX , Florida  Branch of Chase JP Morgan bank, I need ed to wire transfer almost {$160000.00} from my checking account that I have had with  Chase JP Morgan ba nk to the  XXXX   XXXX   XXXX   ,   XXXX  located in  XXXX , Florida.   The transfer was performed quickly without any disturbance, however the problems appeared after I requested written confirmation for that transaction. The employee who performed the transfer (  XXXX   XXXX   XXXX   ) br ought the filled up form of Wire Transfer Outgoing Request but refused signing that confirmation. I was very surprised and asked why couldnt he signed that form. He told me that the rules dont let him. That made me even more surprised. After some painful conversation he went to the branc h manager asking for signature. She, ( the branch manager, a  lady who didnt even introduced herself, so I dont know her name ) signed that form.   However, when I asked her to sign the Service Confirmation form she refused telling me that the bank branch keeps all documents. Thats alright but I need that document in my records as well, I said. Still, she wouldnt sign that document. I was not able to understand what was the problem with signing that document by the manager or the employee who performed the money transfer. I strongly requested signing she kept refusing. She raised voice at me in public in the main area of the branch office. Many people witnessed that very ugly quarrel. Finally I was forced to give up and I left the branch without the signed document. I hope I dont need to explain how upset, insulted and humiliated I felt. And I still dont understand what was the reason for that lady to be so stubborn refusing signing the document given to customer. The document important to me  ( almost {$170000.00} ), which in nor mal business environment mustve been signed by a responsible party. If I had a little bit more time I would probably call police because her behavior looked very suspicious.   I have been your client for probably longer than 15 years. Was my request really something illegal or unusual? I have to say also that Ive never been treated in any business place like that written above.   The situation, which Ive described above brings impression that the Chase bank doesnt care much about its customers, because some of Banks employee miss the basic skills, neither training to deal with customers, act very unprofessionally ; having no idea how they need to treat the Banks customers.     The worst is that I still do not have idea why I had been exposed to all of that stress. Why the person, who made important work for the customer was so stubborn and rude and kept refusing to the end, signing that job was done properly. I can not believe that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
Earlier this year, I checked my credit reports and noticed a collection fr om Convergent Outsourcing f or the amount of {$1300.00} and the original creditor was  XXXX . I disputed this collection on two separate occasions for the  XXXX  credit bureaus and my collection was successfully removed without paying anything. On  X/XX/2017   , I checked my credit scores via the myFICO app and I saw that the collection was added again without any type of notification. I calle d Convergent Outsourcing o n  X/XX/2017    and asked the rep will they report my collection paid in full once I pay it in full and the rep did n't answer my question.

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 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Account  XXXX   XXXX   XXXX  I was hit with a late fee and interest charge on  XXXX   XXXX  when I paid my bill just a few days late, due to difficulty with your website. Given my longstanding loyalty  to Amex ( bo th business and personal ), I would greatly appreciate your assistance in waiving these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: KS

Complaint narrative:
I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Experian instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.

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 2017-04-27 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company will not contact not even frau d investigator I h ave contacted them multiple times please have them call me  XXXX  the account is mine but the whole balance is not and I have already done everything that they have asked me to do by filling out an affidavit form

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I opened a credit card with  Barclay 's ba nk and was sent a credit card. They refuse to send me a bill so I can make a payment, or they are sending my bill to a different address. Because I am not getting a bill, they say I 'm late and continue to charge a {$37.00} late fee. I tried to contact them several times and I have yet to hear a word from them. They are charging me late fee 's for a bill I never get!

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